milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2016 about Debt collection (I do not know) with Credit Protection Association, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from credit protection association on XXXX/XXXX/2016 demanding me to pay {$150.00} to XXXX XXXX XXXX, I contacted credit protection association and inform them ia have no any contract with this company and MY provider of gas and electricity is XXXX only, and I have paid their bills in time update. Further I wish to conform I have not received any arrears of payment or any other letter from the said XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2016 about Debt collection (Auto) with ENCORE CAPITAL GROUP INC. (WI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Threated to take legal action again after the case is closed. 
I was sued by Midland Funding company on XXXX/XXXX/XXXX and went to court and talked to their lawyer XXXX XXXX, and XXXX XXXX and agreed to pay {$150.00} per month until the debt is satisfied. I made my monthly payments for 3 months in a row and then I received a letter in the mail asking to call. I called and spoke to XXXX XXXX and he told me that {$150.00} is not longer the agreed amount and now they want {$300.00}. I told him I can not afford to pay {$300.00} a month. He than said that they would garnish my wages up to {$400.00}. He refused to work with me and kept telling me there was nothing I could do about this because it is all legal. XXXX. I have XXXX and was XXXX without work. This is why I got behind on my bills. XXXX said that getting a lawyer for myself would do nothing. He told me that I can do nothing about any of this. I either pay {$300.00} or they garnish my wages for around {$400.00} I also called Midland to get the date of the original debt and they told me I would need a letter stating that I am not represented by an attorney. The original debt was XX/XX/XXXX and Midland received the debt in XX/XX/XXXX. Why are they telling me I can not get an attorney and have not right to dispute anything that they want to do to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Chase bank refuses to reopen the investigation on my account that was closed due to fraudalant activity. I have a police report which they gave me and told me they had made XXXX arrests for the incident and yet chase wont even bother to change the issue. I called thru relay to report my card missing and either there was a misunderstand between operator and banker or they are make it up that i claim to still have my card which isnt true at all, even the banker i was talk to said they would send me a new card. Now that i am settled down and ready to possibly take chase to court to lawsuit because while this situation happened, i was losing my XXXX son in the hospital and 1 day after he died, i went to file police report. 
I lost my son, my home, school, and my bank all in one month, and i am devastated after trying to deal with bank numerous times to solve this issue. Besides losing a son, i have XXXX other kids i am caring for. Please help or i have to take them to court for my suffering and causes that has effect my life

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Debt collection (Medical debt) with Receivables Management Corporation (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this account on X/XX/2017 with the credit bureau. I have disputed this account also in X/2017. I also offered and sent this {$50.00} check to the company to pay off the debt and they refuse the payment and sent the check back to me. The company is refusing to cooperate with me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WI).
Issue: Credit decision / Underwriting

Complaint: I am in the process of purchasing a home through US Bank. I am in a US Bank American Dream Loan which is suppose to help low-income buyers, like myself, obtain a mortgage. This is not what is happening with this loan product. I have been through this program two times and I still do not have a home. I have lost thousand of dollars because the bank does not explain, in details, the full process of the American Dream Loan. They do not tell me that any repairs are over {$4900.00} will turn the loan a rehabilitation loan. They do not tell me that if the amout of repairs over the appaisal value will have to come out of my pocket regardless of whether or not the repairs are under the {$5000.00} mark. They do not tell me the process for the American Dream Loan will take more than three months to complete because you have to find your own licensed contractor to do the work that bank is requiring. Why does n't the bank have a list of contractor who have worked with the program and bank to facilitate an easier process. None of this information was given to me at the time I applied the first time for the loan. It was only after 7 months of trying to purchase a home did US Bank give me this information along the way. Over the course of those 7 months did US Bank reveal to me pertinent information little by little. They are leaving information out to be spread over the entire process and this caused me to waste myr time and my money. I was not able to come up with an additional XXXX % when I had paid for all the prepaids and only had my 3 % down payment. Based on these scenarios, the American Dream Loan is not for low-income buyers. In my opinion and experience with the process, it seems that low-income buyers within the central city do not have a chance XXXX of completing this loan based on the housing condition in the central city. Most low income buyers are unable to get a conventional loan. The large number of affordable homes for myself in the area will need required repairs ( over {$4900.00} ) and these repairs are over the appraisal value ( which most will be ). This is my second time around in this loan program and I still can not get to closing. I just want to close on the property, pay my mortgage and live my life. US Bank should be ashame of leading low-income buyers on with this program while the buyer loses thousands of dollars. This program does not help the low-income buyer nor is the information about process of this program divulged to buyers. The American Dream Loan should be investigated. I am sure I am not the only buyer who is or has gone through this with US Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Other debt) with Weinberg Mediation Group LLC (AK).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Multiple automated calls from " Weinberg Mediation Group '' since XX/XX/XXXX claiming of taking legal action against me with no reference to what the actual case was and no option to speak to a representative. 

On XX/XX/XXXX I awoke to an automated call at XXXX. Agitated, I called back and spoke to a representative. They told me they were calling to collect on a debt I had. I informed them that they were in violation of the Fair Debt Collections Practices Act. They replied it should be XXXX where I lived and I told them that was incorrect and that I live in Alaska. They attempted to defend their automated call by claiming they have an Arizona phone number and address on file for me. I told them that was irrelevant because my new address is publicly available via credit report and it 's their responsibility to verify information prior to calling to ensure that they 're not in violation of the law. Representative claimed to take note that I lived in Alaska and I ended the call. 

On XX/XX/XXXX, I received yet another automated call prior to XXXX, XXXX XXXX to be exact. Called the number back and attempted to abrasively tell them that it was the second time they were in violation of FDCPA and if it happened a 3rd time I would pursue whatever action I could for them being in violation of the law and harassing me. The representative proceeded to talk over me eventually stating that he was " was moving forward with the case against me '', " good luck '', and proceeded to hang up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Trouble during payment process

Complaint: We paid off our HELOC on XXXX XXXX, XXXX and we have not been able to get Bank of America to discharge the mortgage. 

Can you please ask them to discharge my mortgage and record the discharge? 

Thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2017 I opened a letter from IQ Data Collection in regards to an amount they are claiming I owe to an apartment of some sort that judging by the address I have never lived at. I asked the debt collector to provide me with more information and she refused saying she talked to me on the phone and I know it 's my debt. I have no idea who this lady has talked to and what she is talking about. She proceeds to overall me and say that I lived there. The conversation got aggressive and I ended the phone call. Still concerned that they are trying to hold me accountable for a debt I did n't make I ask to send me information and she began to refuse. This company is fraudulent and trying to bully money out of me for something I did not do and then refuses to show me proof.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My current credit report lists   XXXX   XXXX   XXXX   XXXX   XXXX   as being 120 past due with  XXXX  missed payments since   XXXX   2016 and in adverse status. I have not MISSED ONE PAYMENT. I have made  XXXX  payments since   XXXX   of 2016 totaling {$18000.00} ( see printout from the state of CT attached ). I called the state of CT and they told me to dispute the credit report with Transunion. I did and they still did not fix my payment history or account status. They changed the balance, but not my payment history. This mistake is probably bringing my  FICO   down  XXXX  points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed for bankruptcy in XX/XX/. In XX/XX/, I received a letter from XXXX stating that they were transferring my mortgage to XXXX XXXX XXXX XXXX effective XX/XX/XXXX. I made multiple attempts to obtain a reaffirmation agreement from XXXX prior to the transfer and was denied due to the transfer. I did receive a reaffirmation agreement from XXXX XXXX XXXX XXXX which was signed, submitted and approved prior to the discharge of my bankruptcy. The date to rescind this agreement expired over a month ago, therefore, this is a valid and enforceable reaffirmation of my mortgage loan. My mortgage payments have always been made on time prior to, during and after the bankruptcy. XXXX, however, refuses to acknowledge they transferred my account and are listed it on my credit reports as included in the bankruptcy causing this account to reflect negatively on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: From XXXX 2014 to XXXX 2014, XXXX XXXX kept charging {$52.00} to my credit card although I canceled their services since XXXX. I disputed the charges and XXXX of their supervisors called and told me all charges will be credited. They made XXXX charges and only credited XXXX. Their automated system turned the balance ( {$52.00} ) to a collection agency by the name of Allied Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX who put the derogatory charge on my credit report. I was n't aware this derogatory info was on my credit report since last year as I have been applying for loans and was getting denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: A credit card bill over 15 years old. Charged off on my credit report. Still being harassed to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech mortgage will not update my account and I can not make my payment. If I do, they will not apply the money to my account, but will instead hold it in a separate account. I contact them every month through my account and they have never responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Valentine and Kebartas, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcy XX/XX/XXXX under file XXXX and put this XXXX XXXX XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day Valentines Acct number XXXX Current due XXXX XXXX XXXX XXXX re ; XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: We need to complain that the   XXXX   Credit Agencies simple reporting system from the banks, is biased against the consumer and small family.Our standing with  XXXX  was misrepresented.
This misrepresentation is intentionally built into the Credit Agency 's systems!
We, the consumer, must have an equal opportunity under our common law rights. This has been denied us.
an equal opportunity to present the ongoing dispute, the facts and actions of the parties.And an accurate and equal The Credit Agency 's ignored the facts, the actions of  XXXX  in refunding us 100 % of all 'late charges ' The facts and actions of the parties are as follows ; a ) There was only one occurrence of a late payment, about 30 months prior to  XX/XX/XXXX .At that time l was in Intensive Care a. We asked   XXXX   for the regular paperwork showing our balance, so we could make a special 401k claim to catch up with the balance.
We had not been late prior to hospitalization. Despite numerous phone calls   XXXX    never supplied the norcmal paperwork in a timely manner. Later   XXXX    produced Fraudulent papers to 'clim ' they sent the papers on time.
We were n't the only family suffering from   XXXX   unfair servicing on the same issue.
b ) We never were further behind than that one occurrence ( of two late months ) during hospitalization.
But   XXXX    marked the binary system late every month, after they refused to supply the paperwork, which would have allowed us to be current.  XXXX  themselves stopped us from becoming current, then charged us late charges for about two years or more. This became a serious disagreement with  XXXX .
c ) In the few years since that first occurrence l was hospitalized about fifty percent of the time. And on  XXXX  for eighteen months. Even so, we never extended the two past due payments, past the one time only original occurrence.
d ) In  XXXX /  XXXX   we reached an agreement to sell our house and informed  XXXX  we needed to agree to 100 % of the pay-off.  XXXX  agreed to take the action of refunding 100 % of all late payments.
e ) The dispute took a turn, when  XXXX  stopped making any late charges against us in  XXXX .
f ) This action meant the binary reporting method to Credit Agencies was unfair and incorrect. It is biased against families, allowing big banks and the   XXXX   major Credit Agencies to unfairly and wrongfully impose huge damages on our family.
f )  XXXX  actions speak louder than computerized binary reports.On  XX/XX/XXXX   XXXX  took ACTION and returned to us 100 % of all late charges.
These binary reports ignore the actual state of affairs and the refund action.
Our direct damages today, due to the biased credit reporting is over {$100000.00} and will climb substantially after  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Medical) with Louisiana Recovery Services Inc. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Repeatedly has called my place of employment. Was told on several different occasions that they were not to call me at work by the managers. Lady told the manager that I owed her over a 1000 Dollas and she needed it paid today. Was very rude and aggressive toy employers and shared embarrassing information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Late fee

Complaint: My husband and I bought electronic equipment on a Best Buy credit card, which account was opened specifically for the purchase and which carried no interest for 5 years. The account is held by Citibank. I immediately set up an automatic payment for the account, paying half of the minimum due every two weeks. At the time, my husband and I were employed at a company that pays every two weeks. My husband is still employed there ; I have since retired. No further purchases have been made with this credit card. 
In XXXX XXXX, I discovered that I 'd accidentally set up the payment for a single payment of {$57.00}, payed in XXXX XXXX ; I promptly paid the {$130.00} due, bring the account current. I have been paying {$28.00} every XXXX weeks since then. 
I just got a phone call saying I owed {$110.00} because of a late payment. I did n't understand how I could be late when I 'm paying an extra full payment a year. I spoke with the manager and she finally told me that my payment hit on the XXXX of the month, when I was supposed to make the payment no later than the XXXX. I asked how I could be late when I was making an extra payment every year and she said that we were not allowed to pay the account early!! I was charged over {$200.00} in late fees last year, by their own admission, because I paid my account early and the funds were applied to my balance rather than to the next month 's payment. 
I have brought my account up to date and have changed the payment date to the XXXX of each month and the payment amount to the full minimum payment. 
I feel that Citibank engaged in deceptive practices in order to charge late penalties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CHASE Credit CardXXXX XXXX, XXXXClosed $ XXXX DetailsLast Reported XXXX XXXX, XXXXCreditor Name CHASEAccount Type Credit CardAccount Status Closed - DerogatoryOpened Date XXXX XXXX, XXXX Date XXXX XXXX, XXXX $ XXXX -- Monthly Payment $ XXXXResponsibility Authorized UserBalance $ XXXX Balance $ XXXX Status Collection/Charge-OffWorst Payment Status UnknownDate of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXX 30/60/90 Days Late 0/0/0Remarks Charged off as bad debtCanceled by credit grantorMy deceased fathers debt. Not mine

Company response to consumer: Closed with non-monetary relief