milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Harris & Harris contacted me on XX/XX/2016 via my private cell phone number at around XXXX pm EST. After telling me that I owed something like {$140.00} for some type of medical bill, I was asked to provide my date of birth. I told the caller that I would not reveal my date of birth to a stranger over the phone. I told her that I believed that doing so was a risk as I did n't know who this person was. There was no information provided to me about the nature of the debt - what was it for? When was I billed last? I told the caller that I would not be able to provide my private, personal information such as my birth date to stranger, over the phone absent additional, confirming information. As a matter of practice, I do n't reveal my private information to strangers of the phone. Upon telling the caller that I would need more information, she became very aggressive and told me that I would be marked up for " refusal to pay. '' I told her that was nonsense and I asked her to send me another letter in the mail. She stated that I had already been sent a letter for debt collection and therefore I had refused to pay and therefore they would not send me another letter. I told her that I 'm sorry but that it could have been misplaced or otherwise and again asked for an additional letter. She refused and told me that she was officially closing my case as " refusal to pay '' and then she hung up. I believe this was the second time that Harris & Harris called me about the same debt. I responded the same each time - absent additional confirmatory information about the identity of the caller and the nature of the debt, that I would not reveal my private information such as my birth date, over the phone to a stranger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit card () with CITIBANK, N.A. (CO).
Issue: Credit line increase/decrease

Complaint: I had XXXX late payment so Citi card lowered my limit. The late payment could not be avoided. I am told that this is an illegal act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with FIRST NATIONAL BANK OF OMAHA (NY).
Issue: Closing/Cancelling account

Complaint: I closed my credit card ( American Express ) account with XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2017. The bank has still not sent me my credit balance amounting to XXXX {$550.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I placed a dispute with the Experian regarding an XXXX/XXXX XXXXXXXX showing as not paid in full. Experian refuses to update and validate this information. This account has been paid in full as of XXXX XXXX, 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 non-monetary relief
Consumer complaint received 02-02-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: i have not had any communications to collect on this debt and it is negatively affecting my credit score. I have no idea how to contact this agency and get this credit card paid. I have the means to pay and its not a large sum but I want it of my credit report nd I cant do that if I do n't know where to send a payment to. its ridiculous that an agency can just collect an account without any notification to the person whose name it is in.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Federal student loan) with GREAT LAKES (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been trying to get XXXX to work with me to help me repay a loan which I believed was still with my original lender, Great Lakes, on deferment but to no avail. Finally, the head of the call center, XXXX XXXX, agreed to set me up on a payment plan of {$5.00} per month if I would send a signed letter to them confirming I have XXXX people living in my household. I let him know I would not be filing taxes for the XXXX person as a dependent, but he assured me my signed letter would be enough, and I would have no further issues with a payment plan. I went to make a payment of {$50.00} like I have been the last few months and was informed my minimum payment was {$83.00} a month because I have XXXX people living at my house. I was already assured by XXXX I was approved for {$5.00} per month. Now I am being told otherwise. I keep trying to reach XXXX to fix it, but he seems to be avoiding my calls. I am afraid they will start threatening me with litigation or wage garnishment even though I did everything they asked. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is inaccurate. I have asked Cavalry to provide me with the original documents for this account and they have failed to do so. This account is re-aged and the amount has been changed. I do not owe what they are reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are several XXXX Accounts being reported in my credit file. These accounts do not belong to me. Each time that I disputed these accounts and proof that these accounts belong to me. I have not had any results from the credit agencies nor have I gotten any response from XXXX. I will like these accounts remove since they are playing a viable role in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Back in XXXX XXXX both my fianc at the time and I decided to split. We were high school sweet hearts and honestly we didnt know much about credit and how to use credit responsibly. My payment history was always on time prior to us splitting up. The problem was that I was always used to having two incomes ( mine and hers ). Transitioning into having one income I was truthfully over my head with utilities, rent, truck payments, medical bills as well as fullfiling credit obligations. I became depressed and ended up having to leave my job. I voiced my problem by which then the representative showed empathy but they couldnt do much else for me. My intentions were to pay my debts as agreed but my only options at that point were to either file bankruptcy or leave my debts unpaid until I could pay them. I now understand what it is to be responsible with credit and paying debts as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am XXXX patient account number XXXX all bill i paid on time, but they send to collection without any notice, I paid full amount on time to XXXX not to collection, I heard they send statement to wrong address, that is not my mistake, I used only XXXX mailing address that is XXXX XXXX XXXX XXXX # XXXX, this mailing address more than 4 years in patient file, in the time of ER why they used other addressee I do n't now. I talked to XXXX, XXXX XXXX XXXX XXXX they said we got this information from XXXX XXXX XXXX XXXX, I called to XXXX XXXX XXXX XXXX XXXX they told me ( you update your address after statement ) but I got call from XXXX In XXXX 2015, they told me this bill from XXXX, that is way I called to XXXX to correct the own problem b/c they used wrong addressee, when I got the statement I paid unpaid balance full to XXXX not to collection. 
Because of them my credit report is damaged, I need correction from XXXX XXXX XXXX XXXX and XXXX to fix my reportXXXX/ XXXX/XXXX take responsibility, I am not responsible for late fee, they never send to me any statement to me, I do n't now my credit card number too from them. 
Please clear my credit report in right way I am not responsible for above mistakes

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX, XXXX CFPB : Due to the hacking of the XXXX XXXX XXXX XXXX XXXX at Equifax, XXXX, XXXX, and subsequently, I want XXXX to use the Highest Credit Score that it has calculated for me, rather than any Middle Score, for my recent, XXXX, Mortgage Loan Pre-Qualification. 
XXXX XXXX, XXXX, I applied for XXXX Mortgage Refinancing for my XXXX ARM Loan XXXX, for which my XXXX-calculated Credit Score was about XXXX. 
XXXX XXXX, XXXX, XXXX represented to my XXXX XXXX XXXX XXXXXXXX, that it had Closed on my Refinancing Package for my XXXX ARM Loan XXXX on XXXX XXXX XXXX, XXXX, IL XXXX, XXXX ( XXXX ) days BEFORE my scheduled XXXX XXXX, XXXX, XXXX PM, Closing at XXXX XXXX. 
XXXX XXXX, XXXX, XXXX XXXX XXXX conducted a Walk-Through Appraisal. He entered his determinations into his laptop computer and said that his Appraisal was for {$260000.00}. He then transmitted his computer 's information to XXXX. That day, XXXX represented to my XXXX XXXX XXXX XXXXXXXX, that it had Closed on my Refinancing Package. XXXX sent me Revised Declarations for my Homeowner 's Policy XXXX, with XXXX as XXXX XXXX, for my {$120000.00} First Mortgage, and as XXXX XXXX, for my {$50000.00} HELOC ( Application # XXXX ) Second Mortgage. I received the Revised Declarations, via XXXX XXXX Mail, by XXXX XXXX, XXXX. XXXX would not have sent them merely upon the Refinancing Package Approval, but, only after the Closing, that is, after my Refinancing Package had been legally FINALIZED. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX e-mailed me a reminder of the Scheduled Closing at XXXX XXXX the following day, XXXX XXXX, XXXX, XXXX PM. I arrived there by XXXX XXXX, XXXX XXXX, XXXX. 
I continue to assert my federal civil right to review my XXXX for my XXXX XXXX, XXXX, Refinancing Application. 
I want XXXX to use the Highest Credit Score that it has calculated for me, for my recent, XXXX, Mortgage Loan Pre-Qualification. 


Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX Box XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a {$210.00} medical bill from  XXXX . It was turned over to collections  XXXX . This has been turned over to Equifax by  XXXX  ,  XXXX . in  XXXX . As of a few days ago, they are still reporting it. This collection is being resold. It should come off in 7 years from original report date, correct? In  XXXX ? Or will it be on there indefinitely as long as they keep reporting it. I have been getting calls from unknown numbers from someone with a foreign accent saying they were a debt collector. I never answer and let it go to voice mail. I have challenged with Equifax about multiple reporting on this but was declined.   Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Checking or savings account (Checking account) with BNY MELLON, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: My XXXX account was closed by BNY Mellon because of recent changes to the benefitwallet portal. I had uploaded the receipts based on the transactions that I had and as per the portal, the payout will only happen only when the account is funded which worked as expected in the old portal. For the new portal, they had asked me to re upload the pending receipts that were not paid out which I did. The new portal decided to send me funds that were not available and it failed and resulted in non-sufficient funds fee of XXXX $ and closure of the account. I called up benefit portal and they acknowledged this was an issue with the new portal ( XXXX Employee ID XXXX ). XXXX also mentioned on the call that she was not aware of this change in new portal and stated she is going to open a case and request BNY to do the below : The case number that was opened was XXXX A ) Reinstate my account B ) Reverse the NSF fee C ) Cancel the 12 transactions that were moved from the old portal to the new portal. I had no idea that benefit portal was changed and would work like a checking account based on how the FAQ clearly stated that payout will only happen once funded.
My claim was closed by benefitwallet operations director stating lack of evidence and are not willing to help anymore. There was no letter or any sort of communication about the payout procedure. The call records of XXXX will also state that all the employees of benefitwallet are not aware of this change. In lieu of this, I would like my account reinstated and NSF reversed

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 06/21/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to pay mortgage

Complaint: I am being sued by a third-party debt collector on behalf of Wells Fargo Bank, N.A. Wells Fargo has collected insurance for my default and can not sue as they have been paid. I need to know if Wells Fargo is allowing the third-party debt collector to sue in their name or if they are actually bringing a complaint 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 explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX I paid the mortgage at the end of the month which it was not 30 days past due and the company reported it as 30 days past due and when I wrote a letter for them to fix it they told me to go to the credit bureaus that it is their problem and the credit bureaus said it was the mortgage company that had to fix it. I havent been 30 days late and I would like this to be rectified and since the mortgage company and credit bureaus will not help I am seeking your help with this matter.

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 08-06-2016 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (FL).
Issue: Problems when you are unable to pay

Complaint: The vehicle loan was behind on XXXX payments, and we received a notice to cure default. The co-borrower called and set up an ACH for XXXX XXXX. I received another letter as to payment being in default after XXXX XXXX, and that the vehicle was going to be repossessed so I called on XXXX XXXX to make payment to cure the default. I was told by a customer service representative that the ACH payment was made on the XXXX and the loan was showing current except for XXXX in late fees and XXXX 's payment. They would n't accept my visa debt over the phone and would only accept check acct information. So I could n't pay the them at that time. Apparently, on XXXX XXXX there was an issue with the ACH, which was approximately 15 days after the original ACH date. Instead of calling the co-borrower and letting him know there was an issue with his account or calling me that just called the day before to cure the default they issued a request for the truck to be repossessed. It was my understanding on XXXX XXXX that the default was cured, so Suntrust is demonstrating unfair and deceptive practices by failing to give notice that the account is no longer current. The truck was picked up on XXXX XXXX in the morning under repossession order. Suntrust further demonstrated those deceptive practices by telling me that they did n't have to inform me of the issue with the ACH or ask for the defaulted funds before getting vehicle repossessed even though I was willing to pay the funds to cure the default. It is my opinion, the Suntrust was out for unjust enrichment because I went from payment of {$1200.00} to cure the default to payment of approximately {$5000.00} to cure the default, which is outrageous. The original amount of {$1200.00} would have been paid if I would have received communication from Suntrust saying there is an issue with the ACH. Considering the issue occurred 15 days after the original date of ACH, I believe that Suntrust made the mistake. I paid to get the truck out of repossession and I am still receiving letters from Suntrust telling me that it is selling my vehicle on XXXX XXXX and telling me the total amount of what is due. I paid more than the amount to cure the default and I am still being harassed by Suntrust for more money for a vehicle that is n't even in repossession. I personally believe that I should receive a refund of the money over the default of the account due to the deceptive practices of Suntrust and continued notices received from Suntrust. I also believe that the repossession should be removed from my and the co-borrower 's credit report because if given the opportunity and the information I would have cured the default without a repossession.

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 01/17/2018 about Debt collection (I do not know) with Law Offices of Hayt, Hayt & Landau, LLC (NJ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Hayt, Hayt & Landau, LLC called my husband 's employer without permission, humiliating my husband in front of his boss and peers. He has only been at this job for 3 months and this is phone call damaged his reputation and character. My husband is a XXXX XXXX XXXX ( outside ) and would never take a phone call in the office. 

Hayt, Hayt & Landau, LLC https : //www.haytlaw.com/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My complaint is with XXXX, Experian, XXXX. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.

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 04/24/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We have been requesting since XXXX 2016 a total account of the money paid for mortgage and also in our escrow account. We have sent a certified letter to Wells Fargo and they stated we had to go to their lawyer because we are appealing a summary judgement to keep our home. The lawyers after sending them a certified letter they stated we needed to request the information from Wells Fargo. It appears no one wants to give us an account of our money which is our legal right.

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 05/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is listing a XXXX debt which I do not owe XXXX, I have sent a dispute to Equifax and they stated they verified so I took it upon myself to contact XXXX which XXXX confirmed I do not owe them ANYTHING. This is wrong information listed. Please help as Equifax is doing nothing about this issue. It is a XXXX account XXXX I want this removed, There is also a public record listed from a XXXX XXXX which is also inaccurate and nothing happened when I disputed I also want removed

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have previously filed a complaint to request modification assistance due to a loss of income. I have been getting conflicting information on my loan for the past 2 weeks. there has been credit and withdrawals on m y account because the under writing team made some mistakes. My escrow account has been increased several times.
I am very scared and have read new about this case below.
UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA   XXXX   XXXX   XXXX   DIVISION Case No.   XXXX   based on this information Ocwen has made mistakes where home owners end up loosing their home due to servicing mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Mortgage) with Real Time Resolutions, Inc. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Collection agency is reporting to the credit bureaus as an open mortgage account. This is not an open mortgage account, they purchased a XXXX lien on a foreclosed property over 7 years ago. They are a collection agency and should be reporting as a collection not as an open mortgage account. Also date of last activity with original creditor is well over 7 years. Tried to dispute through the credit bureaus but they still will not fix the problem.

Company response to consumer: Closed with explanation