milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2016 about Debt collection (I do not know) with Recovery Solutions Group, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is calling a family member of mine XXXX on her cell XXXX and her home XXXX. She has only been in her home for XXXX years. They are skip tracing and calling her illegally asking for me. She is XXXX a XXXX and has health issues. She says they called her several times. She also told me they adviced her they would be calling my place of employment if I did not contact them immediately. She just told me about this on XX/XX/2016. The number they are calling her from is XXXX. I called them at XXXX pm on XX/XX/2016 a lady answered I asked her for the name of the company she stated Recovery Solutions I told her my name and adviced her to stop calling my cousins number who is XXXX. I provided her cell phone number to her and asked her to remove it. Than I asked her why they were calling on old debt more than XXXX She stated it was from a check company they were filing paperwork for a warrant which is false information to intimidate people. I asked for her name she hung up on me. I called the number back XXXX times she answer than hung up. I waited a few minutes called again a man answered I asked for his name XXXX XXXX. I asked for the ladies name I just spoke to and advised him she hung up on me. He put me on hold after XXXX minutes the call disconnected. I know he had trans me to her she hung up again. I want for me and my cousin to be compensated for every time they called her cell number and home number and harrassed her and for providing false threatening information used to intimidate. That lady needs to lose her job whoever she is.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midland  funding is reporting inaccurate information to my credit report.I have never had an account with this company.A dispute was sent by the credit bureau and came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Medical debt) with American Accounts & Advisers Inc. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On   XXXX   XXXX   XXXX    , I contacted in writing a collection agency called  American Accounts Advisors , Inc.  a Minnesota-based Company disputing an alleged debt owed that I noticed being reported to the credit bureaus that originated by a  XXXX   XXXX  named  XXXX   XXXX   XXXX   XXXX  (  XXXX  ), which I never heard of. I requested in my letter to American Accounts Advisors for multiple information to validate their alleged claim of me owing money to EPPA with no response. My letter to the collection agency is attached to this complaint. American Accounts Advisors are reporting to the credit bureaus ( 4 ) different dollar amounts allegedly owed to EPPA, so I contacted EPPA requesting validation of any debt owed to them and they informed me that they have no records as the account was charged off. I looked up American Accounts  Advisors, Inc.  with the  XXXX   XXXX   XXXX  and they have several derogatory complaints about their practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: There are two accounts on my credit report I have been disputing for quite some time now. The account with XXXX XXXX, I returned the XXXX within the thirty day time period. As soon as I had knowledge this account appeared delinquent I dispute and have been every since. Each time I dispute it the credit bureau 's state they have verified the debt is mine. I would not constantly dispute it for no reason. I also disputed the XXXX account because of charges on the account. I complained about this to the XXXX, disputed it with the credit bureau 's to no avail. I even requested the XXXX send me documentation. The most recent XXXX card I held I closed the account myself and paid it off because of this issue. I have several closed and open accounts on my credit report, they are all not perfect but I am paying all of them. These XXXX accounts are dragging my credit score down. In addition I opened an account with Transunion reading the correspondence makes consumer think having the account is affective or important for your credit. Their site offers more credit cards and options which is confusing since this is XXXX of the bureaus reporting consumer credit it seems to be conflicting. After closing the account I constantly receive emails telling me score is going down and I am missing out on valuable information. I do n't see the help in this. In fact the credit card I opened through Transunion 's website XXXX XXXX has credit wise so I do in fact have access to my account. Therefore Transunion was charging me for a feature they offer with the credit card. I am confused and I need help because the companies reporting my credit and score are not helping me especially offering me more credit card and loan options.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: THIS LATE ON MY AMERICAN HONDA FINANCING ACCOUNT IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALREADY SPOKEN TO THE CREDITOR AND THEY HAVE PROVIDED THEIR END LETTER OF AGREEMENT, BUT XXXX DOES NOT REMOVE THIS INACCURACY FROM MY CREDIT REPORT. 
XXXX AND XXXX HAVE ALREADY REMOVE THE NEGATIVE MARK EXCEPT XXXX, NO MATTER HOW MANY TIMES I HAVE SUBMITTED THE REQUEST THEY JUST DONT. 
PLEASE HELP ME TO REMOVE THIS MARK, CAUSE I NEED TO APPLY FOR STUDENT LOAN FOR MY SON. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: credit card company   XXXX   XXXX   had a dispute on resolve yet alleged compliant solve spoke to   XXXX   at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX   2017  to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for   XX/XX/XXXX  or e nding balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter  XXXX  open with all not mentioned forthwith

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 reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: A company furnishing date to Experian, did not comply with validation request. I provided what XXXX provided to me, which was just an itemized bill of a debt they were assigned that they are charging interest on. The company is not a licensed debt collector in Michigan, they provided no documentation that the debt was legally assigned to them, and provided no documentation that I signed anything allowing interest to be added or collection assigned.

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 01/18/2017 about Debt collection (Medical) with First Federal Credit Control (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX reported to the credit bureaus that I had an unpaid balance of {$290.00}. The balance should have been covered with by my health insurance company. I ended up switching jobs during the billing cycle, but I maintained health insurance the entire time. Nonetheless, I called them and the error was corrected and they said that I did not owe any money. They said they will have it removed from my credit reports. About 2 weeks later, I get a call stating my insurance did not cover it all and that left a balance of {$57.00}, I said okay, Remove the old amount of {$290.00} and I will pay the {$57.00} once it had been removed..A week or so after I spoke with them about the {$57.00}, It reported to my credit reports. So now i have XXXX collections on my credit report and it dropped my score significantly. I am in the process of trying to buy a home and this is conflicting with my pre approval from the bank. THey told me at XXXX XXXX that it should only take about two weeks to have it removed from my credit reports, but I have yet to see that happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax Breach. Equifax indicated that I might have been affected while my wife may not have been. We have no way to know ourselves and have zero confidence that Equifax knows. In accordance with guidance from your site, I placed credit freezes on both of our credit accounts with Equifax, XXXX and XXXX XXXX and XXXX charged me {$10.00} and {$10.00} respectively since we are residents of Texas. The net cost to us ( currently ) from Equifax 's breach is {$41.00}. I believe Equifax should be made to remburse any and all costs incurred by us to safequard our credit information due to their collosal

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: I reached out to  XXXX . They helped me in reaching out and negotiating with Bank. The Bank then started working with me. They then subsequently rejected the my modification.

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 01-02-2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My credit report shows a new Sync/Care Credit account, which I did not open. I have tried to contact the phone number listed for Synchrony Bank six times. They are typically only open to receive new applications. They have transferred me to their fraud department three times. Twice I was disconnected. Today, I spoke to a representative for over 10 minutes. He then proceeded to tell me he could not find an account for me with JC Penney. I explained, for the third time during our conversation, that I was calling about a Care Credit account with Synchrony Bank. He said he would have to transfer me, and then disconnected me. 
I will be attempting to file a police report today, which I know wo n't be easy. I have setup a credit monitoring service, which is unfair that I have to pay for, to prevent crime being perpetrated against 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 non-monetary relief
Consumer complaint received 12/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Hi there. The company that contacted me is called ERC - XXXX 

This is inappropriate contact due to the fact that they are trying to collect from my grandmother, who lives in XXXX, XXXX, but contacted me about the debt, and I live in XXXX XXXX, XXXX. I never shared a similar address with my grandmother. It is clear that they are attempting to share information regarding the debt with my grandmothers relatives to get us to contact her about the debt. This is inappropriate and just wrong as my grandmothers debt information should never have been mailed to me. 

Here is the information regarding the debt, in case you want verification. 
Creditor : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Amount of Debt : {$49.00} Account Number : will share if contacted Reference Number : will share if contacted

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 11/27/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage loan with Ocwen Loan Servicing LLC, bearing loan # XXXX, I applied for a loan modification recently and instead of reducing my payments, they increased my payments, I wanted to dispute the increase in payments, they said that because my property is not under water, hence they ca n't give me a principal reduction and also ca n't reduce my monthly payments. 

Ocwen has my property value as {$460000.00} ( Property Address : XXXX XXXX XXXX XXXX, XXXX CA XXXX ), and my loan balance with them is close to {$420000.00}, I got a certified appraisal done the value of my property mentioned in the appraisal report was {$380000.00}, I sent the copy of the appraisal to Ocwen about a month back and to date they have not done anything on this issue. 

I request CFPB to intervene and do the needful to help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (OH).
Issue: Taking out the loan or lease

Complaint: Collected payment for 1 year, but unable to give memoradon or title so I could get license. Refuse to refund pymts, due to breach in contract.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wachovia/Wells Fargo Bank forged and put into place a predatory loan modification in XXXX 2009 and hid the fact from my husband and I, the borrowers for over six years. They also manipulated the processing of our mortgage loan payments, escrow account balances, and annual escrow account analysis all in their quest to foreclose on our home which also was involved in a class action defective construction lawsuit which Wachovia/Wells Fargo continues to ignore all while trying every dirty trick to gain ownership of said home. It also appears that Wachovia/Wells Fargo did not legally substitute the original beneficiary which shows as XXXX XXXX XXXX nor did they legally substitute the Trustee from XXXX XXXX XXXX XXXX XXXX XXXX, a California Corporation. Wachovia/Wells Fargo lower level employees and/or sub-contractors have denied my request to investigate the 2009 loan modification for over 6 years when I still have the original, unsigned modification offer in my files. They then were able to produce a copy of the forged loan modification a few months after the supposed Wachovia/Wells Fargo employee that authorized said modification was no longer employed by them. Every time I request a review of my account and the asked for help from Wachovia/Wells Fargo, I have been thwarted. I have been repeatedly told to re-finance or apply for a loan mod, all while Wachovia/Wells Fargo pursues a foreclosure based upon a forged, predatory loan modification. I demand that the CFPB step in and stop this illegal practice, and review every loan modification that was signed by former Wachovia/Wells Fargo employee XXXX XXXX. Her signature on my forged loan modification of XXXX 2009 is a cut and paste job that was Wells Fargo purposely concealed until after she left their employment. Based upon the original terms of my XXXX XXXX Pick-a-Payment, the current interest rate that I should be charged is and should have been charged is significantly lower than what they have established under the forged XXXX 2009 loan modification. My entire mortgage loan amount needs to be recalculated with the correct interest rate charged, which Wachovia/Wells Fargo has refused to do as they claim that my husband and I are lying regarding the XXXX 2009 loan modification. If I were lying, why would I have the original loan modification offer on the original letterhead in my 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 01/26/2017 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've attempted to remove this debt that is not mine. This is a mistake.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I HAD A STATE TAX LIEN GARNISHED FROM ME XXXX TIMES AND ITS ON MY CREDIT REPORT AS BAD CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (ID).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This debt has been showing up on my credit report for few years now. I talked to someone representing this company ( XXXX ) few years ago and even had everything clarified. But, I believe 2 years ago maybe, the innacurate information showed up on my credit report again. If I remember correctly, it was a computer wich was paid for with a personal check with my name printed on it. After 4 days it was returned with receipt. But we did n't get a refund at that time. We were told that we would have to wait another week because it was paid by check allegedely, so the check had to clear with their bank to get a back. So XXXX got their product back and decided to report us for years as thiefes? In fact i think maybe they owe us close to {$700.00}. I am a XXXX XXXX and I have been discriminated because I cant run around or call all day to find out what happend.. I think XXXX of their own employees stole my refund,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I carry a {$0.00} balance on my cards. Tried to make purchase ( {$5200.00} ) that was {$260.00} dollars above my citi XXXX  credit line ( XXXX ) and the payment was declined two days later. Their app does not have a high value payment process so I called Citi. The agent I spoke to would not allow my transaction to go through even though I said I would pay XXXX off immediately to bring within my limit. 

I asked for a temp line increase and she refused saying can only due a full credit reviewm which when undertaken was declined. She then asked if I could split the payment between cards. My limits with other issuers are much higher so i might aswell just use my XXXX or XXXX. 

Dont understand why Citi 's response is basically dont use our card and use another issuer - dont they want me to use their products?

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I applied to refinance the remaining balance of a 2nd mortgage ( XXXX XXXX ) in XX/XX/XXXX which was denied due to incorrect information being reported from primary mortgage lender. I continue to make payments and have never missed a payment but in XX/XX/XXXX XXXX  charged the account off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. XXXX has been contacted regarding this issue at least twice, once in XX/XX/XXXX and once in XX/XX/XXXX.
In a letter dated XX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement.
In a letter dated XX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date in XX/XX/XXXX.
I applied for a mortgage loan in XX/XX/XXXXof this year and was approved for same pending appraisal and final underwriting. I am now in receipt of a loan denial because XXXX is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed.
XXXX was contacted via USPS and via CFPB, according to XXXX  they are reporting to that credit bureaus that my account is " charged off and currently paying under a partial payment agreement '' and that " XX/XX/XXXX is the charge-off date. '' The letter went on to say that the problem lies with the credit agencies.

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