milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a mailing from a debt collection company called Dynamic Recovery Solutions dated XX/XX/XXXX. It claimed that I owed the original creditor, XXXX, the telecom company, {$370.00}. The letter also indicated that the debt was purchased from another collection company called XXXX XXXX XXXX. I had never heard of the original debt. 

Upon calling Dynamic Recovery Solutions, I learned that the supposed debt was from XX/XX/XXXX - 13 years old - and that it was not reportable to credit reporting agencies because of its age. I explained to the representative that this debt was not mine, that I had never heard of it, and that it is unscrupulous and illegal for a company to make up a debt in a consumer 's name and offer to negotiate that debt down, especially a supposed debt of such age. I threatened legal action and an FTC complaint if any further steps to collect this fraudulent debt were taken by the company. They claim to have filed a " request for dismissal '' of the debt back to XXXX XXXX XXXX - the original debt collector - but never emailed me the paperwork confirming that this request had been made. 

I believe this company may be operating a scam, namely calling former XXXX customers from years past and claiming that these consumers owed XXXX some nominal amount that could be resolved for some fraction of the original " debt '' amount. As a result of the age of the " debt '', consumers ' lack of memory of debt from decades prior, and consumers ' fear of harming their credit scores, consumers may pay the {$100.00} or so dollars to have the issue resolved, even if there was no " debt '' owed in the first place. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Transunion, XXXX, XXXX  XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX   Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical Data XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number

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 12/16/2016 about Student loan (Non-federal student loan) with Williams & Fudge, Inc (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I Do not know of Williams and fudge collections with a student loan amount from XXXX university. I do not know Williams and fudge and requesting to be removed as it 's reporting to the CB and negatively affecting me

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 ACS Education Services (MI).
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: For ACS/XXXX to remove the 120 days late reporting status. The credit bureas to notice ACS/XXXX balance was paid in full after a student loan debt consolidation ; however now there reporting more than 120 days past due damaging my credit score. All XXXX bureaus have been notified but they continue to report erroneously 120 days past due causing me to not qualify for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: On or about XXXX XXXX I closed my safety deposit box at Wells Fargo XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in anticipation of a move out of state. XXXX XXXX, Personal Banker at that branch, went with me into the vault to empty the box and I gave her the key when I was done. She gave me a receipt. I moved XXXX the next month and continued my other accts. with Wells Fargo. On or about XX/XX/XXXX I received a call from Wells Fargo saying that I owed for another year 's rent on the safety deposit box. I told them I closed it and gave them the receipt number. The man I spoke to said " all was taken care of and not to worry ''. A year later I was moved back XXXX - still having a Wells Fargo account - and when I went into a local branch to change personal information I was told that I now owed for two years safety deposit box fees ( XX/XX/XXXX and XX/XX/XXXX ) - I told him that box was emptied and closed and he said I would have to take care of that at the original branch. So I drove over 30 miles to the XXXX location and explained the situation with them. I no longer had the receipt. They said there was nothing I could do. They continue to hold the box in my name and charge me yearly fees for an empty box that I closed. The only document I have is the business card of the woman who closed the account for me. I do not wish to collect monetary damages for my out-of-pocket expenses/duress in dealing with this. I just want them to close the safety deposit box account and remove any debt associated with that from my name. They are a rich bank who made a mistake and lost the key and they are trying to make me - who lives on limited income - pay for their mistake. Please assist me with this problem. I did not know where to turn until I saw your name in a news article.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2017 about Debt collection (Credit card) with Mitchell Rubenstein & Associates, P.C. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: The debt collector is NOT responding via mail to my efforts to discuss debts. A lawsuit was filed against me at a property I do not live in, after they were notified of my correct address. Ultimately a judgement was made, once again, without using any correct address. Not even the court used the correct address.. Now, in an attempt to discuss the debt, I find myself on perpetual hold with the companies phone-bank and after emailing and faxing them my correct address, I receive no mailed responses of any kind and no return phone calls when I 'm able to speak..

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 06/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Credit Management has outrageously ignored my validation requests for an alleged debt that they say I owe. They have NOT sent me any of the information that I have requested so that I may look it over front and back and verify it as correct/incorrect, mine or not mine. Instead, they simply sent a COPY of a bill as well a two delay/avoidance letters saying they do not understand the nature of the dispute and they need me to send them documents! I do NOT have any documents hence the reason I am asking THEM for validation of what they claim I owe them.They need to show me the documents that I have requested. All along they are continuing to report this to all XXXX credit bureaus and in their letters, they state that they are attempting to collect a debt ... which both violate FDCPA section 809.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Application, originator, mortgage broker

Complaint: I bought my condo in 2007 at the height of the market. At the time, the builder was offering a special through their preferred lender XXXX Loans. I believe that I was a victim of fraudulent and deceptive practices because at the time I was advised to take out a first and second loan ( XXXX with a 10 % down down payment ). XXXX was onsite at the builder and they disclosed the terms of the first mortgage which were very attractive at the time XXXX 5.5 % XXXX but I was told that their " printer was broken '' and they did not disclose the terms of the second loan, which were very unfair ( 9 % interest with a XXXX balloon ) and well above market stadards at the time. I belive that XXXX was predatory and intentionally withheld the information about the second mortgage. 

Since then, my XXXX loan was acquired by XXXX XXXX XXXX and then Nationstar. I have called many times and spent countless hours trying to resolve this loan. They blame XXXX and do not accept my assertion that by acquiring my loan they also acquired responsibility for XXXX 's fraudulent, unfair, and deceptive tactics. They refuse to help me unless I stop making payments and/or until the 15-year balloon is up and I ca n't pay off the loan. 

I have also tried to refinance the second loan, but the condo is still ( after almost 10 years XXXX too underwater. I have struggled and managed to maintain the loan, but with a 9 % interest rate I can not pay down the loan fast enough to make a dent in the principle and will be in major trouble when the balance is due at the 15-year mark. I do not anticipate having enough equity given the slow recovery of these condos which were all built in 2007 and have mostly been acquired at a much lower price than I through through foreclosures and short sales. Also, the builder and HOA are in litigation that inhibits sales and have been for years.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, Ocwen Loan Servicing, has continually charged me late fees for payments that were made on time. I have sent documentation to Ocwen from my bank confirming that my payments actually cleared my bank before the past due date, but they ignore my attempts to receive a credit. I have been trying to resolve this issue for several months. I have written to Ocwen multiple times and they continue to do the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: On XX/XX/ I sent written correspondence to TransUnion requesting Verification of Negative Items shown on my credit report. TransUnion was instructed to obtain either Verbal or Written Proof Directly from a Person at that Source, pursuant to 15 USC Section 611 ( i ) ( 7 ) section ( 6 ) ( I ) ( iii ) of FCRA. 

On XX/XX/ I sent second written correspondence to TransUnion re-opening the investigation of negative items listed on my credit report. In this correspondence, TransUnion was instructed to provide VALID PROOF OF VERIFICATION BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE or TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. 

On XX/XX/ I sent Third Written Request & Final Warning to TransUnion that they are to reinvestigate the negative item shown on my credit report and to provide PROOF OF ACCURACY OF VERIFIED ITEMS BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE OR TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. 

As of Today, I still have not received any valid proof of verification from TransUnion yet they continue to report the items as accurate and verified.

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 11-06-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello - I have a mortgage with Wells Fargo. Back in XXXX I met XXXX XXXX from XXXX associates. He said he can help me get a lower rate with my mortgage and lower payments. My expenses went up. Higher car payment and my husband hit a parked car in the ice left his name on the windshield and his insurance went up. In the meantime I told XXXX I had a modification back in XXXX 2014. Little did I know that FHA modification are only every 2 years. XXXX told me that does not matter. I paid him {$1900.00} and wells fargo did take the application back in XXXX but I need a quit claim deed to take my father in law off the income because he is a co-signer. It took sometime and months went by I will still needing the deed the get recorded. With the XXXX here and a case of bed bugs in XXXX hall it took longer that I thought. When I spoke to Wells Fargo they said we could not help me until the 2 years was up. Why did they take application and not tell me so many months went by now I owe {$8000.00} and it will go in foreclosure unless I get that payment. I was scammed by XXXX XXXX and I think because of that Wells Fargo should help me with somekind of assistance because they communicated with him and went along with not telling me it was impossible. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2015 I erroneously sent an electronic payment to a BofA XXXX card, in the amount of {$1500.00}, that I had closed 5 years prior. The account was CLOSED NOT DORMANT. I called my bank XXXX XXXX XXXX XXXX on XXXX to stop payment. Apparently the were not able to stop the payment. Instead of BofA rejecting the payment, as XXXX informed me they should, they cashed it on XXXX XXXX, 2015. I have filed claims with each bank as well as made dozens of phone calls and visits to the branch. XXXX XXXX confirms BofA took the funds but BofA continues to tell me they do not have record of my payment. It has been nearly a month and no one can tell me who has my {$1500.00}. The account I sent payment to was a closed account. Why did BofA take my money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Other

Complaint: Macy 's Credit card services and their in-house collections Company, Citi-Bank, claim that my account with them is unable to be resolved. I want to pay the debt, but Macy 's wo n't accept payment because they have a 5 year statute of limitations. Since they are no longer looking for payment they claim I owe nothing, however they will furnish no correspondence to me to that effect. My concern is that the bureaus wo n't update it to show that I owe nothing because Macy 's wo n't update this with them. The Bureaus will continue to report for 2 more years, in the meantime Macy 's still reports on my credit account as recently as XXXX XXXX, with the initial being in XXXX of XXXX.

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 03/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted transunion many times in regards to this matter. XXXX XXXX in the amount of XXXX remains on my account after disputing many times because no documentation has been goven to me verifying this is my dept. They only send me my bill to pay them which i know we had no contract. My name is not even spelled right on the bill. Transunion states they have verified my dept to this collector but no verification has been presented to me.

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 09/29/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: Citibank took over the credit card service for Costco members. I received a new Citibank Visa. Then, I received one statement and paid it. My FICO score is well over XXXX because I pay all my credit card bills on time and in full. On the next Citibank statement I received, it showed an unpaid balance from a previous month, a late fee of {$25.00}, and interest of just over {$7.00}. Citibank claims I should have known the billing cycle was that payments were due on the XXXX of the month. With only one bill having been sent, there was no " billing cycle. '' Clearly, Citibank is taking advantage of consumers by failing to send statements and, then, collecting {$25.00} late charges and interest. With the thousands of Costco members, Citibank could end up with millions of dollars, with this scheme. I strongly suspect that Citibank is engaged in this scheme, for profit, taking advantage of its new relationship with Costco members and the members ' lack of familiarity with Citibank 's billing.

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 monetary relief
Consumer complaint received 06-02-2017 about Debt collection (Other debt) with Peterson Enterprises Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Note : There is no account in collections/judgement/credit reporting on my credit report and most importantly record is not available as it should be online when searching for court cases  (  judgment ). I was never notified about any debts, or aware of any debts, even to this day.  <P/> I initially was garnished in  XXXX  of  XXXX . The Creditor is  Valley Empire  Collections in  XXXX , WA. The garnishment reflecting on my paycheck was the initial notice about this debt. I found out that there was an alleged debt  XXXX  transpiring from  XXXX   XXXX   ( who clos ed  XXXX  ). Due to the age of the account I could not even recall the debt in addition there was no communication received from the agency or  XXXX . I was disappointed to find out that I would be garnished for a debt i do not recall, or be charged for allegedly terminating a contract when actually the company shut down.I have not been billed for, and for a company that closed in  XXXX . In all of my ( and famil y )  communications with the agency since  XXXX   XXXX   (  maybe  4/5  calls ) they have failed to advise that they were a debt collector or the mini/recorded miranda, so i can not confirm if calls were recorded. I have yet to receive any validation of debt and the agents seems irritated or not wanting to help when requested. It is my understanding that though i am being garnished 11 years after the agency retained the account that somehow i can be still be garnished due to an apparent judgment for it almo st 10 years old.  It is wrong to let an account sit like that with no communication/consumer knowledge, let it build interest maybe 80 % more than the initial balance and then decide they can garnish the consumer. I thought the FDCPA/FTC laws were here for the consumer. Waiting 10 years not only complicates the balance as it accrues interest but it contradicts the statue of limitations and that is the biggest failure, having laws to protect consumers that in this case ca n't apply per the agency. I would like this complaint to include the agency as well as the FTC as i feel these laws are more so here to protect the debt  collectors  versus the consumers.

Company response to consumer: Closed with explanation