milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Debt collection (I do not know) with Aargon Agency, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX Law Dictionary, 9th Edition, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be 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 12/21/2016 about Debt collection (Payday loan) with Halsted Financial Services, LLC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I spoke with a young lady on XXXX/XXXX/2016 I believe from this company..she informed me of the balance owed. I advised her I did not want to get any calls from their agency. She then had an attitude and demanded payment. I asked again for no more calls and disconnected the call. 
I receive another call on XXXX/XXXX/2016. I was not able to answer. I called them back XXXX/XXXX/2016 at XXXX and let the agent know I previously requested not to be called. He said he is going to mark my account as a refusal to pay ( misleading ). I said I am not refusing to pay, I just do n't want any calls. He said they can stop the calls. 
I called again and spoke with XXXX on XXXX/XXXX/2016 at XXXX to get the company info and my account number. I asked him for their company website. He did not want to provide it to me. He kept asking why I needed it. I said I wanted their company info and a place to make my payment. He said I can only pay over the phone with a card or check. I stated I still wanted the site. He provided https : //halstedfinancial.com/ I said thank you and disconnected the call. 
Their site does allow for online payments, therefore agent was misleading and lied.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Billing disputes

Complaint: Syncrony Bank- Walmart Cre dit card charges daily interest not annual. I have had my account closed since  XXXX , My balance at that time was just under  XXXX  dollars of  XXXX   XXXX  dollar limit. It is now over  XXXX  dollars. They are charging late charges, yet my due cycle was changed to the  XXXX  of the month as soon as I opened the account because I am on  XXXX  and only get paid the  XXXX  - the  XXXX  depending on date  XXXX  falls on.   On my credit report it says never late, this month they claim I owe  XXXX  for a payment, The site for their credit report says annual percentage rate. The representative I talked to last month said it is daily on purchases, yet card was closed at my request.    XXXX  is no better, but more transparent,  Walmart  on the other hand has been awful from day  one on la ck of clarity and changing terms, due dates, and interest at their will with no agreement from me. I have filed a dispute with  XXXX  but no result as of yet.    Walmart said i t will take up to 60 days to adjust due dates ( again mind yo u )  and to get results of their erroneous interest charges on this closed account. I do not owe this amount, it is much lower, I have paid faithfully the minimum and a few times well over that when I closed the account. Balance should be approximately  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 02/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUN LOAN COMPANY INC. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: " XXXX '' has called my roommates number every single day, has called my number several times a day, has called my mother and brother-in-law several times and has also called me at work at the hospital more than several times. On one occasion she spoke to me, so she knows that I am aware of the debt, and I ca n't receive personal phone calls at work. Yet she still calls, even today ( XX/XX/2016 ). She refused to deal with the credit counseling company even after I signed a power of attorney for them to negotiate my debt. I told her I was going to seek the advice of counsel for all my debts to see what I should do, and she spent 30 minutes on the phone telling me why I should n't do it while I was at work. I ca n't tie up the phones so doctors and other XXXX or the XXXX ca n't get through to get results. She obviously does n't understand that. She was told again today by the XXXX manager that I ca n't receive personal phone calls at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: hello i have a number of hard inquires from chase bank on my XXXX   credit report. i dont have a chase account and i have not applied for a bank or credit card with them. the dates of the inquires are XX/XX/XXXX.this is my first step in resolving this issue and any help would be great. thank you

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 (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: After the data breach/hack on XXXX, I went into all three agencies to freeze my credit. Both XXXX and XXXX made this process very simple and fast ; a couple of click of the mouse and it was done/locked, secured. However, when I went to secure on TransUnion 's web site, it kept taking me back to their paid for credit monitoring service ( they want {$19.00} per month to monitor/freeze my credit ). When I called, their agent ( XXXX ) explained to me that that is a part of the credit monitoring service and if I just want to freeze my credit, he would have to transfer me to another department. Low and behold, we were disconnected. 

I have since found out that the only way I can get TransUnion to freeze my credit is by sending them a letter, via USPS, with the following information : - full name, including middle initial - complete current address and previous addresses for the past two years - social security number - proof of identification ( e.g. photocopy of your valid driver 's license, passport, state ID, military ID, or birth certificate ) - address verification ( e.g. utility bill, cell phone bill, pay stub. Do not send a credit cards statement, magazine subscription, voided check, or lease agreement ) - payment ( check, money order, or major credit card ) Now, say I send all this information, via USPS, and it does not reach them but it actually falls into the hands of a dishonest person - my ID has been stolen. 

Why do they have to make this so hard? I 'm trying to do the right thing and they are making it very complicated. Make no sense to me. 

Thank you for your time 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 explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: TransUnion has on my credit File Names Reported : XXXX XXXX XXXX XXXX I have never used this name nor ever applied for any type credit under this name. Transunion needs to provide proof/documents as to this name or Remove/Delete from my credit file.

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 03-01-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Citimortgage to attempt to remove PMI from my mortgage loan. The conditions under which they would remove the PMI ( XXXX % XXXX with a new appraisal ) were different from the paperwork I signed at my closing ( XXXX % XXXX with new appraisal ). My original loan was with a different company, but they sold it to Citimortgage. I paid Citimortgage for an appraisal as the identical unit next to mine appraised a few months prior well below XXXX %, but it came back at XXXX % XXXX. I asked for a review of the appraisal as one of the homes they used was in horrible shape and on a busy street, but they refused to adjust my appraisal. Regardless, I do not feel the terms under which PMI is removed should be different from the original loan paperwork I signed ( which was 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 explanation
Consumer complaint received 12-10-2015 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home Loans holds my mortgage. In XXXX 2015, they overpaid my state and local property taxes, resulting in an account deficit, and have for months refused to issue the appropriate refund. Due to Caliber 's error I have lost accrued interest and now my escrow amount due was recently increased to my detriment and through no fault of my own. See this e-mail thread for a summary of the problem : Thanks, XXXX. I greatly appreciate your time. Please find a full accounting attached. Please note, that I pay taxes on the unit and the parking space separately, hence the XXXX line items. Respectfully, XXXX and the involved Caliber folks are mistaken. Please escalate this as you see fit. 
At closing, the following payments were made ( see attached HUD-1 ) : Closing - {$1700.00} of {$2500.00} annual tax assessment ( {$1200.00} due XXXX XXXX and {$1200.00} due XXXX XXXX ) Closing - {$190.00} of {$330.00} annual tax assessment ( {$160.00} due XXXX XXXX and {$160.00} due XXXX XXXX ) After closing, in total, I owed the county {$780.00} ( {$2500.00} - {$1700.00} ) and {$140.00} ( {$330.00} - {$190.00} ). 

Please note, that had I not paid taxes at settlement, Caliber 's payments would have been proper. Unfortunately, Caliber overpaid as follows ( see attached Caliber Escrow Report ). 

XXXX - {$1200.00} XXXX - {$160.00} Therefore, exclusive of lost earned interest, I am owed a refund of : {$480.00} ( {$1200.00} - {$780.00} ) and {$21.00} ( {$160.00} - {$140.00} ) Moreover, according to the online Caliber portal, Caliber intends to distribute even more funds in XXXX ( see attached Caliber Escrow Report ). 
Thanks XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Managing the loan or lease

Complaint: Wells Fargo Bank is not applying extra paid on the payment to the principal they apply it to the next months payment. I called them to complain and at first I was told they do not apply the extra to principal they did not have to, and there was not way for them to do that. They do not give an option online when making payments for extra to be given or applied to principal. When I stated that is not legal then they tell the only way was to send in a check by mail with instructions to apply to principal otherwise it would be credited towards the payment/interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Payday loan debt) with Worldwide Processing Group, LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Me and my family are getting called repeatedly by Forward Movement Recovery ( XXXX ) for an online payday loan that i have never taken out. They are threatening to call my employer and threatening to call the police. I believe this is some sort of scam to steal personal information. The debt is not valid. And they will not send proof of debt or identify the who is original owner of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (Medical) with Central States Recovery, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The original creditor had my mailing address incorrect, but they did have a good contact telephone # ; I did n't realize I even owed this until I pulled my credit report. By then the debt had been sold to the collection agency. I never received a bill from the original creditor, or the collection agency. I am an XXXX so I had my wife call the agency based on the info from my credit report. They attempted to use scare tactics to get her to pay it over the phone without ever seeing a statement of any kind. I have filed complaints against both the original creditor and the collection agency, with the XXXX and still have yet to receive proof of this debt despite giving them my correct address. The XXXX response was that they would remove this debt from my credit report once paid, but I never received anything from them. I have even emailed the collection agency 's legal department and they have not responded. I would 've been happy to pay this in the beginning if I had received notification that I owed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (ME).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have not been contacted by  XXXX  (  XXXX  ), in regards to an email I sent in regards to this matter. I emailed several entites in regards tom this serious matter, including billing the wrong debit card, etc. The last contact was in regards to removing an incorrect email address. I have not heard from  XXXX  since my attached email.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: Most of the problem is explained in the enclosed letter, but the woman that I talked to at the consumer protection bureau said I could ask to have the escrow waved since I am having so much trouble with it. 

I would rather pay my own taxes and insurance myself and save the hassle of the bank paying it for me! 

The only thing that Wells Fargo paid for me in XX/XX/XXXX was my property tax, I paid for my XX/XX/XXXX Home Insurance myself.If you'll notice from XX/XX/XXXX to XX/XX/XXXX they had me in a shortage of XXXX from lender placed insurance that they placed on me in XX/XX/XXXX, but I had insurance in XX/XX/XXXX that I paid for myself.I told them this and they acknowledged that I had insurance in XX/XX/XXXX, but somehow I don't think they wiped out that shortage off my records.I think they made a mistake and they don't want to correct it.You will find this in the bank explanation letter.I want to know why I started out with a shortage of XXXX in XX/XX/XXXX. I want to know where they came up with that amount.

I just went to an accountant and she told me that the {$2300.00} in the XX/XX/XXXX statement was interest accrued on the XX/XX/XXXX lender placed insurance that Wells Fargo put on me and dos n't want to fix. So I think that's where the mistaken was made.

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 11/29/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job and have been in financial ruin every since. My bank advised that Im eligible for a Short Sale option. I submitted my loss mitigation packet XX/XX/2015 and have experienced nothing but delays, lack of communication, mistakes and hassel with this bank. My intention is to avoid forclosure, but this bank and the behavior of its staff will almost guarantee the loss of my home because of staff incompetence, mistakes, and all around negligence. I want someone to investigate the shady practices of this bank/servicer and get to the bottom of my concern. This company is a sham.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently reviewed my credit report and notice several inaccurate information. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the information validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( never validated the allege debt ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with XXXX XXXX nor have they provided legit documents ), and XXXX XXXX ( this company has not responded to any letters, CFPB is unable to locate the company nor have they added the sentence consumer disputes ). There are several unauthorized inquiries reported to the Credit Bureau, I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent Experian notices to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Today is XXXX XXXX, XXXX. Last week I checked online with Equifax to find out if my info was breached. The response was that it may have been ( a yes or no would have been helpful ). Today I attempted to place a credit freeze with Equifax, XXXX and XXXX by phone and online. They were unable to process my request. 

Their industry created a potentially big problem for me but they are not allowing me to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: In XXXX of XXXX I returned Toyota Camry for end of lease. Prior to lease i had an inspection which determined tail light crack and damage to tire. i had both of these replaced prior to return. In early XXXX toyota billed me for damages to car. i called, submitted my proofs and was told this matter was resolved and had assumed it was. now almost two years later Toyota submitted my account to a collection agency XXXX XXXX, XXXX. This matter was resolved almost two years ago and i consider this harassing.. it is very apparent that they prey on consumers after they expect their records to be long gone. the collection agency has no fax and does not provide a prepaid postage to respond. another harrassing feature.

Company response to consumer: Closed with explanation