milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Every day I get calls from someone telling me to call XXXX about a debt, I know I do not owe anyone a debt but I have to stop and answer the phone XXXX or 3 times per day because of this person calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received no mail correspondence or phone call from Amsher Collection about a debt that is not mine for a XXXX XXXX acct I do not have. I do not have a contract with XXXX and I requested to get any proof that they have to legally send this to my credit and didn't receive anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Checking or savings account (CD (Certificate of Deposit)) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Funds have been removed without permission from my account, mother 's account ( XXXX ), and/or wife 's account without permission and possibly savings and checking. I have on a number of occasions gone to the branch bank to check where the funds have gone and to interpret my statements. I have not removed that much money! My involvement in her account began in 2006 upon her XXXX. There have been many account number changes in attempts to stop funds from being fraudulently withdrawn, and unaccounted.

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 06-10-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I divorced my husband and the deed was signed over to me. During the divorce, my home went into foreclosure. The mortgage " note '' is in XXXX our names, but the mortgage is only in my ex husbands name. The mortgage company XXXX Seterus XXXX Inc. XXXX refuses to work with me for a mortgage modification, because my ex-husband refuses to cooperate and I am not on the " mortgage ''. The mortgage company is trying to force me out of my home with my XXXX kids without offering any type of mortgage solution. I am weeks away from my home being auctioned.

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 Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: This acct needs to be VALIDATED not a verification but VALIDATE the acct with a Certified Copy of TRUE BILL not a statement and the Original Documents with my Wet Seal Signature on it send me all proof request or REMOVE acct. Spoke to a XXXX on XX/XX/2018 who refused to honor my request to have this account VALIDATED telling me I had to contact the company first then he said they cant VALIDATED this acct. they have to dispute it 1st when every time you dispute it takes 30 days so this acct has to stay on my credit for over 60 days that's XXXX when that is called an verification and that is not what I told them to do its called VALIDATED THE ACCT. not a verification its a difference then I request to speak with his Supv. which his supv. refused to get on the line and XXXX comes back with this script is stopped him and said I will be reporting this to the ( Cfpb ) snice you and your supv. Refused to do your job this is my credit you can't tell me what to do about my credit and the Accts. That's on them they need to be VALIDATED this is my right by they law that I have a right to ask that any acct. On my credit file be VALIDATED not a verification so I don't wish to have this account to just be disputed I DEMAND THEY ACCT TO BE VALIDATED ONLY not an dispute or an verification my new address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX and i called in and dpoke to a XXXX who was a supv. Who told me and verified that my address was updated and I was just told it wasn't updates I did record the call and I told them it was recorded NOBODY DOES THEY JOB THEY ONLY LIE UPDATE MY ADDRESS PULL UP THE RECORDED CALL I WAS TOLD MY ADDRESS WAS UPDATE IT STARTED FROM ANOTHER SMART MOUTHED SUPV. NAMED XXXX  THESE PEOPLE ARE ALL LIARS PEOPLE LIE NUMBERS DON'T all mail sent to the XXXX XXXX address will be returned. UCC 1-308 WITHOUT PREJUDICE

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XX/XX/XXXX XXXX XXXX {$310.00} ... XX/XX/XXXX XXXX {$490.00} ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX  {$360.00} ... XX/XX/XXXX XXXX XXXX {$590.00} ... XX/XX/XXXX XXXX XXXX {$1000.00} ... XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've back and forth with these credit reporting bureaus, and they are just XXXX and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass XXXX I have not been able to achieve or get any promotion due to the false report of my credit files.

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 05/18/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX ,    2017,  the borrowers executed a permanent modification agreement. On  XXXX   XXXX ,    2017, Ocwen  executed this modification agreement. The borrowers timely made each payment under their trial modification plan and continued to make timely monthly payments after their loan was permanently modified. However, the first mortgage statement they received  after Ocwen  executed the permanent modification agreement, which is dated  XXXX   XXXX ,    2017, f alsely states that there is a past due payment amount of {$1100.00}.     Furthermore, the only mortgage statement the borrowers received in  2017 is  the mortgage statement dated  XXXX   XXXX ,  2017, w hich is for the payment that came due on  XXXX   XXXX ,  2017. T his failure to send the borrowers a periodic statement each billing cycle constitutes a violation of   XXXX   XXXX   XXXX       On  XXXX   XXXX ,    2017, t he borrowers mail ed Ocwen  a qualified written request, in which they explained that their account is in error because  Ocwen falsely claims that the account is past due and Ocwen  has failed to send mortgage statements each billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at Transunion, XXXX and XXXX. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Due to a serious health issue i asked to leave before my lease was up and was told i would still be charged. I had 3 months before mt lease was up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 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: Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, TransUnion, and XXXX.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX
Creditor : XXXX XXXX  Creditor : XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX XXXX Creditor XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX XXXX  TransUnion has deleted no inaccuracies

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 11/15/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Contacted Wells Fargo in an attempt to cancel my escrow account for my VA backed home loan. Was told that Wells Fargo will not cancel escrow accounts on VA backed home loans like they will other standard loans and that the escrow account must be kept for the life of the loan. This will tie up thousands of dollars needlessly and is blatantly discriminatory towards US Military Veterans who take advantage of the VA backed home loan offers.

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 03/18/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX is attempting to collect a debt in which they are not licensed to do so in my state. The account which is in question is XXXX. This account is also be re-aged and is falsely being reported on all XXXX of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I would like file a complaint against SPS and XXXX. We have been going back and forth with both banks since XXXX 2016 to gain approval for the short sale of our home. We have a qualified buyer willing to pay full asking price for our home and we have yet to hear back from them. They are requesting multiple forms of the same paperwork, dragging their feet and delaying the process. We have done everything on our end to ensure the home does not go into foreclosure by getting any and all requested paperwork in in a timely manner and will be filing a request for mediation to avoid going to foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both equifax and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, I purchased a two family home in XXXX, MA ( XXXX XXXX XXXX ; XXXX, MA XXXX ). The primary mortgage was in the amount of {$300000.00} and the second mortgage was in the amount of {$75000.00}. While my debt was owned/serviced by Bank of America ( hereafter, " BofA '' ), I qualified for HAMP  modifications due to unexpected and unforeseen costs associated with the property. 

The primary mortgage was eventually assigned to XXXX in XX/XX/XXXX, which assigned it to XXXX in XX/XX/XXXX. This mortgage is current. 

The second mortgage was extinguished through a modification in XX/XX/XXXX but BofA never filed the lien release. BofA has, however, has reported the account as " paid/closed '' /satisfactory since XX/XX/XXXX ( documentation provided ). 

Pursuant to a HELOC application with another lender, XXXX XXXX, a title search turned up the existing second mortgage lien. Since XX/XX/XXXX, I have been unable to successfully get BofA to commit to remedying. Although he is my assigned point person, I am not able to reach XXXX XXXX ( his calls always go to voicemail ). I was able to finally speak to him once on XX/XX/XXXX, at which time he indicated that BofA was researching whether the loan was a 'charge off ' ( though it was modified and reported to the agencies as such ( paid/closed ) for close to 8 years ). He indicated that it could take an additional 15 days to complete the investigatory process. XXXX XXXX wrote on XX/XX/XXXX to identify herself as the point of contact, although XXXX XXXX had stated an hour earlier that he was the point of contact. I do n't have much confidence that my case is not caught in a bureaucratic black hole. 

Given that this account was closed in XX/XX/XXXX, more than 7 years ago, that BofA is not remedying the situation immediately is exceedingly problematic. 

The case is indexed with the following internal BofA commit number : XXXX My details : XXXX XXXX ; XXXX ; Property Address : XXXX XXXX XXXX ; XXXX, MA XXXX ; Phone 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 monetary relief
Consumer complaint received 01/27/2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Consumer Financial Bureau. 
As I have already stated in my complaint # XXXX, I have been for the last 4 years trying to settle an equity loan with Citibank Financial group. After receiving a loan settlement from XXXX in which I responded with a payment plan of 6 weeks they denied once it was submitted to Citibank. Then citibank took back the loan from XXXX and started sending me communications. I then hired the law offices XXXX in which I submitted several loan settlements and all were turned down. Once again I am being penalized for a home that I have owned for the last 20 years. After been unable to continue payments to the law firm to represent me, I have been sent several email messages to my loan support specialist XXXX XXXX and made several telephone call to Citibank XXXX number, only to keep getting transferred from one representative to another and unable to speak to XXXX XXXX which they keep stating is my Support Specialist but she is unavailable. Although I keep giving them her extension number they will not transfer the calls to her. Citibank keeps playing games and does not respond to any of my emails or telephone calls. Meanwhile the loan interests keep on piling up and I have no way to reaching them. This is unjust and unfair. Once again proving how the big banks keeps punishing the little guys. I would like someone to intervene of my behalf and assist me in getting this matter resolved.

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 10/27/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My problem is with eqifax they recently have started reporting wrong year of birth & wrong address. They sent me forms to correct but there forms are not for correcting year of birth nor address. Also they have no current report at all, it 's all old items, none of my current credit! Which makes it like I have absolutely no credit! All the other reporting agencies XXXX & XXXX are correct! Have tried to talk to someone and they keep telling me to fill out the dispute form, I keep telling them that their form is not formatted for this type of correction. Nor are the forms formatted for these corrections online. They outright refuse to correct it!

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation information is inaccurate no knowledge of accounts sent to credit bureaus

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 09/21/2017 about Debt collection (Federal student loan debt) with Texas Guaranteed (AZ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX from texas guaranteed has repeatedly harassed my potential employers for the past 6 months while I am interning - the employer has let them know I am not a XXXX Employee, even after I complained on here after repeatedly asking them to stop contacting. They do not block the number - so it shows who is calling - and leave messages with staff members to call me, including voicemails on non-secure voicemails that other staff members here stating who they are and why they are calling. The past 7 days alone I have these : XX/XX/XXXX @ XXXX both voicemail and message with staff left by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX I spoke with the manager after the last time I wrote a complaint on here to stop contacting and clearly that did not happen. How do they expect anyone to ever get and/or keep a job when they do this? 
They also call my family members and harrass them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Debt collection (Auto) with GRYPHON CORP. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: While my son and I were backing out of the driveway a towtruck swooped in and blocked the exit. The driver jumped out and started chaining my car to his truck, I got out of the vehicle and approached him and he punched me in the face calling me all kinds of distress. I am a wounded veteran with  XXXX  and a  XXXX   XXXX   XXXX  and having this happen caused all kinds of distress. The driver called me all kinds of names in front of my neighbors and continued to try to tow my vehicle with my son in the backseat. My wife called the police and the police made him release the vehicle to me in exchange for not pressing charges against the driver of the truck. I was left with no options due to the sergeants strong suggestion of not pressing charges. The driver continued to humiliate me in front of my house in the middle of the day, and the police threatened to leave me alone or they would arrest him. To this day I am still embarrassed to be seen by my neighbors. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/2017, we were contacted by XXXX Aguisitions ( threatening ). It was about a credit card debt of {$300.00}. Payment arrangements were made and payments taken from bank account on XX/XX/2017 for {$100.00}, XX/XX/2017 for XXXX, and XX/XX/2017 for XXXX. That was to pay off debt. Today, XX/XX/XXXX, we get a letter from Midland Credit Management stating we owe the debt. I called them, and they insisted we owe it, and if I wanted to dispute it, they would put it into litagation. I have bank statements showing the payments taken out to pay this debt.

Company response to consumer: Closed with non-monetary relief