milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2017 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX Debt collector mailed stipulation and order and financial disclosure form for me to sign and date for paymen i i owe. 
XX/XX/XXXX Debt collection enter Judgment/and order me to pay. XX/XX/XXXX I wrote the Judge stated I do not owe this company any I was told to fill out earning garnishment debtor answer. I did not. 
XX/XX/XXXX Debt collector agency mailed me an letter demanding for full payment XX/XX/XXXX debt collector mailed my job earning garnishment.I informed my job please do not mail any payment to this company. 
XX/XX/XXXX Debt collector agency Attorney faxed my job letter demanding mutually agreeable terms to resolves debt account and wanted me to sign stipulation and calling my cell phone.Therefore my job was order to garnishment. I wrote the Judge again to reopen the case and motion was granted XX/XX/XXXX at XXXX was court day and the Attorney did n't show up. The next day I got and Letter from the company and the Clerk of Court Plaintiff respectfully requests to dismissed the hearing base on documents provided by the Defendant XX/XX/XXXX- XX/XX/XXXX. another Debt collector demanding full payment past 2 years this 2nd debt collection Attorney has been harrashing me and my job. this case has been scheduled Pre trail conference, court hearing. The first court day the judge ask for any documentation stated not owe this Company. I shown the account is closed, company has no record, and I file for dispute status from XXXX to prove this account is close, and I shown the judge copy of my old account I saved from the company bill statement. 
XX/XX/XXXX Judge close the case. Debt Collector reopen XX/XX/XXXX Mailled me another for Court for Notice of Hearing to Garnishment Wages. Than the company Mailed my Job Affidavit of mailing to payroll department Months later another court date to reopen this case and this continue each time during school has stated for work. During these Month this company has Garnish my wages with out any order for garnishment. This company has been fishing for information from the system from the first Debt Collector who ender judgement. 
XX/XX/XXXX asked the court to reopen this case again therefore, motion to reopen was granted. 
XX/XX/XXXX court day Attorney always order phone appearance. 
XX/XX/XXXX Debt Collector mail form to fill out for exception filled it out.and no respone from Debt collector XX/XX/XXXX Debt Collector mailed court order for court day XX/XX/XXXX I wrote judge a letter to dismiss this case and why, new judge for this case and I had to explain all over again Court date was XX/XX/XXXX at XXXX I was late for my court day coming from work and the judge order wages garnishment. what hurts so badly this company garnish my wages before court order and am paying a company I do n't owe.

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 07-12-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The Bank of America froze ALL of my bank accounts after receiving a temporary order in a divorce case, that is now final. They are still holding my money as frozen, and their legal department will never talk to me or even send me info on when the money will be returned. it appears they 'charged ' me for the legal hold as well and are trying to steal my money. the divorce is final and i need my money back, there is no reason that they should be holding it.
Also, the order that they were provided by my x-wife 's attorney stated clearly that they were only to put a hold onto XXXX account. They went and took money from ALL my accounts including my son 's college account that was his money he was using the account. This was not ordered by the court, Bank of America just did this on their own.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: As of today   XXXX   XXXX   XXXX  ,  XXXX  shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of   XXXX   XXXX   XXXX       I have received no bills, and have no idea what this is for. I have confirmed with the  XXXX   XXXX   XXXX  at  XXXX  that I owe no balance to them. That all charges that would appear as  XXXX   XXXX  have been paid and no balance outstanding since  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Consumer Loan (Installment loan) with Eagle Financial Services, Inc. (OH).
Issue: Managing the loan or lease

Complaint: I was never late with this company. I had to file a chapter XXXX and offered to pay them in full and NOT include them in the bankruptcy. First they said I could do that, then they said I could n't. SO, I included them in the bankruptcy and since they are a secured creditor they are getting paid in full. In XXXX 2015, 1 month after my Chapter XXXX was filled, they reported to my credit file that the account was charged off and have been reported it charged off every month since then.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (RI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have been getting calls from Midland Credit Management for over a year, about the time I have had this number. They ask for a XXXX, who I have stated hundreds of times by now, that I am not. They have said, would put me on a no contact list, which is an obvious lie. They have called me twice today alone. I got tired and called back today, it took me a total of 5 phone calls, with numerous call time totals ; I had to ask to speak to a Manager. To whom I complained about his agents handle on the call, and the fact that theyve been calling me for over a year and have said I 'm not getting called again. I will be more than happy to ask for my phone records from the company that gives me service, if you need proof. But I ca n't deal with this harassment to debt that is n't even mine. I went as far as checking my credit just to double check I do n't owe them anything, and I told them about credit check ( on their recorded line! ) They continue to ignore me, I understand that XXXX is a female and so am I. But my name is XXXX XXXX!!! I 'm tired of this, and they do n't have the right to continue to do this to me!!! I am actually working on fixing my credit, and seriously this is putting a dent in my own progress. Wasting my time, patience, and not making me have belief that other creditors are even willing to help, let alone be nice and cordial on the phone. The sad part is I have been a collector, and would never treat anyone that calls me this way ; hence why I was top collector for my campaign.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Other

Complaint: I recently pulled my XXXX and XXXX ctedit report and to amazement, I still see this company name Synchrony Bank/ Walmart account displaying on my reports. I have been disputing this account with credit reporting agencies XXXX and XXXX, but it comes back " verified '' since 2014. I have also contacted the data furnisher as well. They tell me account has been sold, but does not verify/ validate ownership. Synchrony Bank is the company that is listed on my credit report with XXXX and XXXX. No legal proof has been provided to justify the company name being on my credit reports. I have requested information, documentation, validation, and verification. Nothing ever gets accomplished, this company name continues to remain on my credit files with XXXX and XXXX unjustly. It is a violation of my federal rights under the Fair credit reporting Act and Fair Debt Collection Practices Act.

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 11-03-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian Credit Reporting Company allowed : 1. Allowed XXXX XXXX XXXX to grant credit against my SSN. ( " hard '' inquiry, made to my credit history using my SSN, with " Fraud Alert '' in effect since XX/XX/2010 ) 2. XXXX XXXX, allowed an individual, to open an cell account of {$1800.00}. This person ( XXXX XXXX, of XXXX, Illinois ) has not paid this bill and XXXX sent this bill for collection. ( XXXX XXXX, XXXX, Illinois ) Under my SSN, this account was never opened by me. 3. Experian Credit Reporting Company kept XXXX ( XXXX ) credit histories, for me under XXXX SSN 's whiched caused my credit ratings to fall XXXX ; XXXX-XXXX points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed a bankruptcy back in XX/XX/XXXX and it was discharged in XX/XX/XXXX. In this banruptcy I had included a loan from chase home mortgage for a house which belongs to my brother legally on the title. I was never in the title only in the loan. Years later he defaulted again and chase home mortgage claimed that they never received documents from the court regarding my bankruptcy and they are coming after me and threatening to or a lien on my current home and my credit has been ruined again because they have not reported it properly to the credit bureau and have not taken the financial responsibility off my name in their system. My life is being affected yet again since even an employer checks your credit to offer you employment these days and I can't even get a credit card or buy a car, nothing because they have not reported this properly. Chase has taken me to court and asking for something like {$140000.00} or a lien on my property when I declared that debt in the banruptcy and it was discharged! I need these cleared up and my credit cleaned so I can have my life back! Never ever ever lend your credit to anyone and when you file bankruptcy make sure you sun your credit to ensure it is being reported properly. I have learned my lesson but fixing this is taking a long time and causing stress on my marriage and our family! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (MN).
Issue: Trouble during payment process

Complaint: Shell Point Mortgage took over my mortgage in XX/2016. We got notice of the fact. Two months ago we got a letter saying whats past due. We have NEVER GOTTEN A MONTHLY STATEMENT. I am in bankruptcy. My mortgage is not part of the bankruptcy. I have no online access. They will also not talk to me when I call them.
How many laws were broken here? We have no idea of our monthly payment or interest rate. Have no idea how our payments have been applied. No contact is allowed except they do take my payments!!
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 03/26/2017 about Debt collection (I do not know) with National Enterprise Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am XXXX XXXX XXXX and do not have any debts. My cell phone number is XXXX, which I have had for 10 years. I get lots of calls from XXXX asking to speak to XXXX and saying my cell phone number is hers. On XXXX XXXX, 2017, I told them I was not XXXX, but they keep calling. They have called at least 7 more times. I am very busy at school and do not appreciate these harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: Receiving phone calls out throughout the day on my personal cell phone family members for that that I 'm unaware of

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 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have an account negatively reporting on my credit report as EOS CCA dated XXXX which was from an original creditor XXXX XXXX XXXX from XXXX XXXX. I would like this to be taken care of. I 've disputed this and they did nothing

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (DC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXX I made the last payment on my XXXX XXXX account. I have used the company multiple times for furniture financing and have had this account since XX/XX/XXXX. In XX/XX/XXXX I had a financial hardship and as a result I had the only late payment I have ever had on this account. Because I paid the account off two months early, XX/XX/XXXX, and only had one late - I wrote a letter to this creditor ( received by Synchrony on XX/XX/XXXX ) asking for consideration of forgiveness for my single late as I am in the process of buying a home. I did not receive a response to that request but three days later ( XX/XX/XXXX ) I received an email stating they were closing my account due to my credit score, the credit report also cited a pull date of XX/XX/XXXX. Although the account has a Status of " Paid, Closed '' it also was updated with a Comment stating " Account closed at credit grantor 's request '' and is reflected as a potentially negative item on my credit report. Since I completely paid off the account without any new transactions more two months prior and the credit report referenced as being the backbone for a decision in XX/XX/XXXX, was pulled in XX/XX/XXXX, I have reason to believe the Comment placed on my credit report and the account closure was done out of spite.

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 02/16/2017 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have been informed by the original creditor that Transworld System Inc, is the collector for this debt, I have never been informed and or received any type written communication or notice from Transworld System Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In XXXX of 2017, I noticed a collection on my credit reports from XXXX XXXX XXXX that was incorrect. After disputing the information with the collection agency, the agency agreed to remove the negative trade line from my credit report. In XXXX, XXXX and XXXX  sent me documentation showing that they removed the account from my credit report while Equifax continues to show the negative item. I 've sent them documentation that I 've received from the CFPB as well as the collection agency showing that they have agreed to remove the account, but Equifax continues to report the negative information. I 've contacted the collection agency and they have advised me that they have sent the information to remove the account on multiple occasions due to Equifax saying they have n't received a request to remove it. I 've spoken with Equifax multiple times to resolve this issue, but they keep advising that the debt is valid when I as well as the collection agency has submitted the documentation showing the account was to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: In XXXX XXXX, I went online and cancelled the {$25.00} automatic monthly scheduled transfer from my BOA checking to savings account, but the bank made a mistake and started the transfer back up on XXXX XXXX, XXXX, without my authorization, charged me a {$35.00} overdraft fee because I did n't have {$25.00} to transfer in the first place, and left me with a negative - {$60.00} balance in my checking account. What kind of program do they have anyway that allows somebody to transfer negative checking account funds to a savings account to incur an overdraft fee on the checking account??? When I called today to complain about the transfer and fee, I asked when I supposedly reauthorized a transfer ( which I did n't ) and they could n't tell me the date, but said I was sent a low balance alert, which means nothing because I knew the balance was low anyway and I do n't have to maintain a minimum balance to avoid the monthly maintenance fee. Please make them put the {$35.00} they took from me back in my account because what they did was wrong. I am a XXXX on a very tight budget and it 's not fair that they are taking my money like this. I had to get a loan from my mom to cover the overdrawn checking account balance until this is resolved. You have my permission talk to her about this.

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 05/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Amount : {$2200.00 } Date :  XX/XX/XXXX  Company : B ank of America took over. Nations Bank  of F lorida where this account was. I contacted the state of Florida, sent in proof of my relationship to the owner of the account, my mother, and all other required documentation. They want some kind of business paper from the banks. This account is o ver thirty years ol d, my mother is deceased since   XXXX  , and we have no business papers to show. Bank of America says they have nothing either. The state of Florida will not release these funds without some business paper. There is n't anything. The bank should have something and they claim they do not. The state of Florida refuses to do anything, .claiming they need some document between the  XXXX  banks. It seems if there was a document it is either long gone, thrown away, or misplaced.

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 04-06-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX did not send me a copy of the original signed contract which proved when i opened the account and i did not receive the full payment history as in statements. i see no proof that my last payment was made on XXXX/XXXX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX WAMU Loan HolderFDIC Employee Quits and Goes Public With Complaint Against Chase, WAMU, XXXX and XXXX law firms.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: First, I sold my home and used the proceeds deposited into m y Citibank checking   account to make multiple online payments to credit card balances at other institutions usin g Citibank 's online bill pay. Citibank closed my checking account within the week. 3 months later, Citibank closed my credit card account, which I have used frequently for 9 years. I always try to maintain my credit limit utilization to under 80 % to the best of my ability. I have diligently managed my balance with Citibank over the years and never missed a payment. Citibank closed my credit card account and they are not providing me with any phone numbers for additional details. I have to hand write a letter to a P.O. box to even get any details about why my account was closed.

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 11-10-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed an account with Experian and the credit reporter and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Debt collection (I do not know) with Credit Systems International, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On or about XX/XX/2016 I sent a letter to creditor requesting information regarding the alleged debt ( originator, amount, authorization, etc. ) on XX/XX/2016 I received a letter from creditor stating they could not locate my account. I have since then contacted the credit bureaus requesting the same information with no results. I am attaching the letter I received from the debt collector.

Company response to consumer: Closed with explanation