milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Cawley & Bergmann, LLP (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My name is XXXX XXXX and I am filing a complaint on Cawley and Bergmann. I was shocked to find on my credit a debt of XXXX in XXXX or XXXX after running my annual credit report. I reached out to this vendor and they informed me that they were given my loan from XXXX XXXX. I did not understand what this debt was until further investigation which it belong to XXXX that had closed their loan offices in XXXX. When I spoke with them in XXXX, Cawley and Bergmann acted like they were a legal agency who was taking me to court so I out of fear begin payments of XXXX per month and eventually as they called once a year and informed me that I was n't making a dent in my account I increased to XXXX per month. Several times I was inquiring about how the debt went from XXXX to XXXX and they informed me it was because of interest. This year I did some research about understanding my rights and I was informed that a agency should not misrepresent themselves as attorneys and any threats made to the consumer are also illegal. Furthermore, when requesting to speak with the initial debtor I was told I could not and they were handling my account. When reviewing my initial documents and questioning the amount I owed I discovered that I only owed about XXXX. Because XXXX is no longer in business I was also made aware that they went bankrupt and that it may be possible that my debt is cancelled. I am wondering since I have paid Calwely and Bergmann almost XXXX am I still required to pay more than 50 % of my loan. I read that a consumer must only be made to occur only XXXX percent of additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: According to section 6.11, I have been gravely affected and my credit score is suffering badly. I am requesting that all the credit inquiries be removed.

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 07/14/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I am in the middle of a bankruptcy case. I was told that once my loan was included in the bankruptcy that PHH Mortgage would finally give me an answer to my modification request. PHH Mortgage has yet to give an answer after I have submitted my paperwork over and over again. There has been no answer for over 6 years. Now I am facing my bankruptcy case being thrown out of court because PHH will not modify my loan, so I can keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Midland in 2013, I immediately, ( XXXX XXXX 2013, they received it on XXXX XXXX ) sent them a letter requesting validation on the alleged debt. To this date, I have received any response nor validation to this alleged debt. Instead, I received another letter attempting to collect another debt as the account number of the previous alleged debt do n't match. My name does n't even match, i 've sent them another letter requesting validation again for this alleged debt. This is basically the XXXX bogus attempt from them to collect a debt that I do not owe to them. Also, with this contact they are in clear violation of the Fair Debt Collections Practices Act. As i 've never received any response on my previous request for validation, instead I just received another letter attempting to collect. My initial request for validation was timely within the XXXX days timeframe I have to request validation under FDCPA, so ; any further activity to collect on the debt would be a violation of their cease collection bar under FDCPA 809 ( b ). If they are communicating regarding a different collection ( i.e., they consider it to pertain to a different debt ), then that would have required they send another dunning notice within XXXX days after any initial communication. They thus either consider it the same debt, or have violated requirement for a XXXX dunning notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2016 about Payday loan () with WLCC (FL).
Issue: Can't contact lender

Complaint: Lender Will not stop calling my place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Medical) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am XXXX veteran and told hospitals that they would be paid by VA I gave them my member ID # XXXX & SS # XXXX as well as address to submit their claims. Now after years I see they are all listed on my credit report.Causing extra Fin cost on every thing.I served and paid the price. Hope you can help me I would be very grateful. XXXX Vet. XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In the attachment, XXXX credit bureau has incorrect information. I have never had an account at XXXX. 

Why is this account ( for which I have never had ) appearing on my credit in XX/XX/XXXX, when the debt is zero and the original ( inaccurate ) report is listed as XX/XX/XXXX? Can you please work with Transunion to remove this from my credit? 
Thank you, 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 11/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage processor is sending me a NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT when i 'm not even 3 months ( 90 days ) late on my mortgage. In addition, my mortgage is due on the first of each month with late fees starting on the XXXX of each month and a grace period until the end of the month. Therefore, Ditech ( my mortgage processor ) starts calculating my loan is late on the XXXX and issues me a NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT on the XXXX of the month. As a result, I have 90 days before I even suppose to get such a letter which was send to me in 60 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I have a credit card and checking account with bank of america and the accounts disappeared from my online banking profile. When I called Bank of America, they indicated that they had marked me as deceased in their systems and began the process of closing those accounts. They could not give me a reason why this occurred and I am I concerned about potential identity theft.

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 08-04-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Settlement process and costs

Complaint: We received a loan modification through bank of america more than a yr ago.we suddenly, 8 months after, started recieving modification packets again stating either it was notarized incorrectly or that they had neglected to include needed paperwork.Each packet included a promised cash incentive if we would sign and return.They also offered to send a BOA rep. to our home for the signing.So far we 've been told that they can not send a rep to us due to our Morgage type.Secondly, we 've received and returned XXXX packets thus far.Every time I call they either tell me we 've notarized wrong or it was a mishap on their part.Nobody has been able to tell us what we are doing wrong.Not one cash incentive has been seen.We would have to travel XXXX of miles from our home to reach a BOA.At one point an agent told us that our paperwork was rejected because a XXXX looked like an s in the date.This is getting to be harassment at this point.Not to mention the time involved in going to several local banks to get paperwork notarized over and over.My sress level is maxed!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX/ XXXX/ XXXX XXXX is stating that I owe money to the company, however the debt was verified as invalid with XXXX  XXXX. Amount that they are stating I owe is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: When checking the alternatives for refinancing my home loan with Citimortgage, I discussed various loan options and was offered a XXXX at 2.875 % and a XXXX interest only loan option at 3.50 %. As I wanted to live a long time in the home, I chose the XXXX option at 3.5 % and was given no guidance or advice in the process. Only several years later did I discover the loan will revert to a 20 year amortization period, with much higher loan payments which I will not be able to afford. Had I realized this fact, I would have chosen the XXXX loan with lower payments after 5 years so I could afford to live in the home. I have asked Citimortgage to consider the facts and provide an alternative but they have refused to help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Other transaction problem

Complaint: on Saturday X/XX/17 my employeer tried to direct deposit XXXX it was rejected by my bank. According to 5/3 bank the routing number was incorrect. My employeer called 5/3 bank with me and was told the correct routing number and my employeer read out the routing number to make sure that it was correct. On X/XX/17 my employeer tried to direct deposit XXXX into my account again. Again it was rejected 5/3 bank stating that the routing number was wrong. We called and talked with four different personal that told us four different routing numbers that was associated with my account. As of right now my employeer is unable to direct deposit money into my account because of their errors. I have tried to work out the situation with 5/3 bank however, they just keep apologizing and telling me to try to have the company send the money again.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Equifax over the phone to dipute XXXX accounts on my credit report that does not belong to me. The account s are XXXX XXXX XXXX acct # XXXX and XXXX Acct # XXXX. I have filed a police report under report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I signed up for a citigold checking account with citibank in XXXX of 2016 under the promotional code XXXX. After signing up for the account I received and printed out the terms and conditions for the promotional offer. The promotional offer entitled me to XXXX thank you points after a set of terms were meant. In XXXX I completed the terms of the offer and asked via a chat session with a Citibank representative when I should receive the XXXX thank you points. The citi Representative informed me that I should receive the XXXX points within 90 days. After 90 days had passed I still had not received the points. I contacted citibank again via chat and again was informed that I should have received the points and that my request was going to be elevated to an upper level. After 3 days, on XXXX XXXX 2016, I received an email saying I was not eligible for the promotion. I called Citibank back on XXXX XXXX to request clarification and was told again that it needed to be elevated to an upper level. On XXXX XXXX I still had not heard back so I called Citibank again. I was told I was not eligible for the promotion and there is nothing they can do about it. 

To summarize I was directly told by XXXX different Citibank representatives that I was eligible for the promotion but they are now refusing to honor it. I have documentation in the form of chat logs of these XXXX occurrences. Citibank did a bait and switch in order to get me to sign up for the account. I have been charged XXXX dollars so far in fees for this account which they are also refusing to refund.

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 03-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I HAVE BEEN XXXX WEEK OR TWO CELEBRATING WITH MY PARENTS AND SISTERS ON XXXX FOR YEARS. I HAD A XXXX AIRLINES MILEAGE ACCOUNT FOR A FEW YEARS. THEN ON ONE FLIGHT I WAS OFFERED MANY MILES TO OPEN A XXXX XXXX ELITE CARD, SO I DID BEFORE LANDING. 

UNFORTUNATELY, THE TWO XXXX AIRLINES MILEAGE ACCOUNTS ARE IN 2 VERSIONS OF MY NAME AND NEITHER XXXX AIRLINES NOR BARCLAYS BANK WILL FIX IT. PLUS THEY SAY MY ACCOUNT IS " INCOMPLETE '' WITH 2 MILEAGE ACCOUNTS AND THUS I AM UNABLE TO USE ANY OF THE ACCUMULATED MILES! I HAVE TRIED FOR 3 YEARS TO GET THESE XXXX XXXX MILEAGE ACCOUNTS, ONE WITH BARCLAYS BANK, MERGED WITH ZERO SUCCESS, THO I HAVE DONE EVERYTHING THEY TOLD ME TO DO FROM FAX AN OFFICE NOT RECEIVING FAXES, TO EMAIL AN OFFICE NOT ANSWERING EMAILS TO CALLING VARIOUS PEOPLE WHO CAN NOT FIX THIS SIMPLE PROBLEM. 

THIS LAST XXXX WEEK ON XXXX AT XXXX XXXX ( THEY HAVE A GREAT WEBCAM IF YOU NEED A CHEER ) XXXX XXXX XXXX, I TRIED FOR A COUPLE HOURS FOR 2 DAYS AND GOT THE RUN AROUND, EVEN INVOLVING THE RESORT DESK CLERK FOR AN HOUR ON SENDING FAXES THAT WOULD NOT BE RECEIVED! 
MY BARCLAYS CREDIT CARD IS FOR " XXXX XXXX XXXX '', XXXX XXXX XXXX XXXX. 
AND TO TOP IT OFF, BARCLAYS ANSWERS THE NUMBER ON THE BACK OF THE XXXX AIRLINES MILEAGE CREDIT CARD AS " XXXX AIRLINES ''! OUTRIGHT XXXX. 

EACH XXXX I AM OFFERED AN UPGRADE TO FIRST CLASS SEATING FOR XXXX MILES, OR OVER {$400.00}. I CAN NOT USE MY MILES AND THIS LAST XXXX THE COACH TICKET WAS OVER {$1100.00}. I FEEL XXXX AND XXXX IN CAHOOTS OWE ME FIRST CLASS SEATING FOR MY NEXT ONCE A YEAR TRIP, AT XXXX MILES, WITHOUT HASSLE. 
THEIR MAINTAINING OF 2 ACCOUNTS IS TOTALLY THEIR FAULT AND RESPONSIBILITY AND 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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XX/XX/XXXX we have taken steps to freeze credit reports at all 4 know agencies : Equifax, XXXX, XXXX, and XXXX. This is in response to the significant security breach and theft of personal information from Equifax in XX/XX/XXXX. 

XXXX and XXXX have charged {$10.00} each form myself and my wife, for a total expense of {$40.00}. ( Equifax and XXXX have no charge for this service. ) However, we believe that Equifax 's official response to the breach inadequately protects our identity. Credit reporting alone is insufficient. We feel that the company should reimburse us for the time and expense of freezing or credit reports. We should also be allowed to temporarily lift credit freeze at no additional charge with all of the credit bureaus as required for normal financial matters.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Closing/Cancelling account

Complaint: Target acct # XXXX Closed XXXX/XXXX/14 still showing on my XXXX report. Need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: Wells Fargo Dealer Service inaccurate reporting to the Credit Reporting Agency about, late Auto payments, no insurance and harassing phone calls. Wells Fargo Dealer Services has been calling me at 3 times a day for about a month or so ago. They allege that I owe them money, extra money and increased the balance owed on my auto. I have not missed a single payment ever since I got the car loan through them. I requested a deferment on my pay in XXXX XXXX, they granted my request. They have claimed that I do not have full coverage auto insurance, and that is why they believe I owe them money ; when again this is incorrect. I have submitted proof of insurance online, through a website they provide, as well as over the phone. The website is very difficult to manage due to the site off and on malfunctions. I spoke with the customer service representative multiple times about what they need to correct. This did not resolve the issues and even though Wells Fargo sent me documentation stating that my Insurance policy was updated and effective since XXXX XXXX XXXX Wells Fargo still reported me late for the month of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. When I call to explain the errors made by WFDS the customer service gives the same update stating that they will not the file. Now because of WFDS inaccurate reporting and attempting to add fees has caused a chain reaction when applying for a place to live for my XXXX children and myself. I feel this is a great deceptive pratcice used by Wells Fargo Dealer Services.

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 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: AFNI Inc. Reported a debt they state I owe to XXXX on my credit and on my fathers credit. 

My father ajd I filed a complaint with the state AG office and in turn XXXX contacted us and we were told by a XXXX representative that neither he nor I owe the debt that AFNi is collecting and that they have no record of a debt in my name or my fathers being sent to AFNI. I filed Bankruptcy in XX/XX/2016 and a debt from XXXX was included in the bankruptcy. Oddly enough AFNI reported this on my credit after i had filed. They also violated my automatic stay by contacting me by mail after i had filed. 
We belive this debt to be fraudulent. As XXXX has no record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: I never agreed to " Debt Protection Fees '' with Best Buy or Citi Bank when signing up for a credit card in 2007 to purchase a TV. Over the course of 9 years they have charged me with {$540.00} of fees associated with this fraudulent " debt protection fee '' or service. It 's basically the entire balance on my credit card billing statement. I have requested a full refund twice, and nothing has happened. 

Please help!

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 05/29/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am currently working with a third-party credit repair agency,   XXXX   XXXX    XXXX , by which have any and all phone numbers listed to   XXXX   XXXX   have been added to a do not call list and any phone calls to me while I am working with  XXXX  puts them in violation.

Company response to consumer: Closed with non-monetary relief