milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This action is against XXXX XXXX and the offices of McCarthy, Burgess & Wolff. 
In approximately XXXX of XX/XX/XXXX I was subleasing office space and the landlord wanted the space back to accommodate a large company coming in so I need to cancel/suspend my internet service from XXXX until I found a new location. In the interim I am working from a home office that I currently have XXXX internet service. There was no place to mark the XXXX form for suspension of service only termination of service. 
My account was quickly turned over to the collection agency above for collection of approximately {$4200.00}. I have sent letters to XXXX XXXX and have never received an answer from them, just silence. I have filed a complaint with the FTC in XXXX of XX/XX/XXXX and I do not know the status sine they have not communicated any action to me. I was in phone contact with a XXXX ( XXXX ) XXXX and I felt like things were being taken care of, however, in subsequent calls to XXXX I have had to leave a message and never returns my call.I am a 15 year customer of XXXX for telephone, TV and internet. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meade & Associates, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had disputed this account before with this company that never verified this account MEADE & ASSOC # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , OH XXXX I have a a unverified account from Meade & Assoc . I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt MEADE & ASSOC purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/29/2017 about Debt collection (Credit card) with Financial Credit Service, Inc. (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I keep getting calls and letters attempting to collect a debt that has been time-barred since XX/XX/XXXX. This has happened several times since XX/XX/XXXX. The latest attempt was XX/XX/XXXX by ARA , Inc. I incurred this debt when I was professionally employed as a software engineer. I lost my last job in that profession XX/XX/XXXX, which is the same month I made the last payment on this account. In the time after this, I was homeless for 3 years and when I was finally able to get work it was 25 % of the income I had XX/XX/XXXX. My computer skill set is now obsolete and I am also now XXXX years old. This debt keeps popping up occasionally and I am tired of telling one collection agency after another that this debt is time-barred. They just sell it to the next one.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Checking or savings account (Checking account) with Comerica (NC).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: When I was in North Carolina on   XXXX   XXXX   , 2017, I   no ticed my checking account at Comerica Bank had insufficient funds. I located the card with the bank routing number and the full account number because that information was NOT on the documentation the bank sent me. I called customer service on Friday,   XXXX   XXXX   , 2017 to as k about wiring funds into the account. I was told my account had already been closed and the only way to resolve the matter was to send a check. Within two hours I wrote a letter, copied it, and mailed a check for {$160.00} to the  XXXX   ( Texas ) o f Comerica Bank. On Friday,   XXXX   XXXX   , 2017 I re ceived a letter from  XXXX   XXXX   XXXX     XXXX   XXXX  attempting to collect a debt I had already settled and indicating the amount had been reported to  XXXX . My account was open for nearly  25 years before it was closed eleven days before I called to make an electronic funds transfer into the account. C omerica Bank acted in bad faith by refusing to allow me to execute a wire transfer, demanding a check, AND submitting my matter to a collections agency on the SAME day. If the only option for settling the matter is for the customer to send a check, then ample time must be allowed for the check to actually be received before the matter is submitted to a collection agency. I have disputed the charge with the collection agency and written multiple entities of Comerica Bank to communicate my view that the bank 's business practices are unacceptable. I am contacting this federal agency because my husband had a similar experience with a Comerica account he held in Michigan for many years. It is not an accident that a couple married for nearly  26  years would have peculiar experiences with branches of the same bank opened in states as distant as Texas and Michigan. I respectfully request exploration of Comerica Bank 's business practices because they are not clean.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: ACCORDING TO MY CREDIT REPORT, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. ( XXXX ) XXXX IS SHOWING A COLLECTION ON MY CREDIT REPORT FOR XXXX XXXX IN THE AMOUNT OF {$420.00}. IT SHOWS A DATE OF BEING OPENED ON XXXX XXXX, 2017 ( 4 mos ). COLLECTION AGENCY IS NOT LICENSED IN THE STATE OF FLORIDA NOR ILLINOIS TO COLLECT DEBT. In Illinois, there is a state law that applies to debt collectors.225 Ill.Comp. Stat. 425/1 to 425/25. The statute is a licensing statute which means it requires the collector to be licensed to collect in Illinois. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Student loan (Private student loan) with SLM CORPORATION (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have a private student loan through Sallie Mae. The total amount received each semester reflects both the amount of tuition plus the amount that is estimated to be the total living expenses for a semester. The funds are directly distributed to my school, XXXX XXXX University XXXX XXXX XXXX ( based out of XXXX, TX ), who is supposed to apply the funds towards tuition and then distribute the remaining balance to me ( since after all it is MY loan and I'm paying interest on it ). This is the second semester in a row that the school has kept my funds. 

Last semester, Sallie Mae distributed the amount of {$12000.00} to XXXX XXXX University on XX/XX/XXXX. A credit of {$4800.00} was supposed to be disbursed to me for living expenses for the semester. Instead, I didn't get my disbursement until XX/XX/XXXX, leaving me with no money to live off of for the entire semester. I realize this is a problem with the school and not necessarily Sallie Mae, but I believe Sallie Mae should hold the school accountable for making sure students get their money in a timely manner. 

I called Sallie Mae on two different occasions, and both times a customer service representative told me that once the funds are in the school 's possession, what happens to them is out of their hands. I don't understand how that could be possible as the loan is in my name and I'm the one making interest payments on it. If that were the case, what's stopping the school from keeping my money indefinitely? I believe that the school is using students ' funds to either make interest by keeping the money in their private bank account for an entire semester, or they're using the funds improperly in some other way. It's a very small school and in no way should it take 4 months to distribute these funds. It happens to multiple students every semester.

Sallie Mae disbursed my funds for this semester to the school at the end of XX/XX/XXXX, and now in the middle of XX/XX/XXXX I, once again, am without funds to pay rent or bills ( which is ridiculous because I'm still paying interest on loan money that is not even in my possession ). When I reach out to the school or to Sallie Mae they are of absolutely no help, and I believe that Sallie Mae doesn't care at all that the school is taking advantage of us. 

I believe that Sallie Mae should be held to a higher standard than what they currently are. The school should be required to distribute the funds in a timely manner. Please, please help me with this situation as I have no idea what else to do. Thank you very much for your time and help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Debt collection (Medical) with Ray Klein, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX XXXX in XXXX, XXXX - XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX performed services that were stated as covered under XXXX insurance only to receive bill of {$440.00} afterwards. Contacted attorney who wrote to this company asking for verification of charges be faxed to attorney 's office which was never done. One year later debt is now turned over to Professional Credit Service at XXXX. XXXX XXXX XXXX XXXX XXXX for collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 12/28/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a notice from Commonwealth Financial about a Medical Bill. I disputed it in XXXX & they sent a Itemized Bill. That is a Direct HIPPA Violation because it does not bare my Signature. I have sent them my Insurance Card & Policy with XXXX XXXX XXXX XXXX XXXX XXXX, as well as XXXX XXXX being I had Health Insurance with my Employer XXXX XXXX at the time. Be mindful I spoke with XXXX with CWF on XXXX/XXXX/XXXX who stated the Account was Closed & it would be deleted within 30 Days & is now going into 60 Days. Please resolve this issue my next step is to file a Lawsuit. I am keeping track of when you receive this & who I spoke to.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Other

Complaint: My deceased husband ( died XX/XX/XXXX ) had a credit card with Bank of America. Upon his death, Bank of America placed the account in my name. 
I have no knowledge of this account. 
I have asked Bank of America for a copy of the signature page that I would have signed in XX/XX/XXXX, when they claim the account was opened. Bank of America can not produce one because I did not sign one. 
This account should not have been placed into my name. 
My credit report now has this delinquent account on it and my credit score has been seriously lowered. 
I have spoken with various Bank of America representatives that do not have any of my information on their system. They did not have knowledge of my date of birth, social security number, etc. When I inquired why Bank of America felt that my deceased husband 's debt was no mine the answer was always " because our computer tells us that ''. They have admitted that there is no signature page from XX/XX/1991 ( when account was supposedly opened ) with my signature applying for this credit account with Bank of America. 
Bank of America has now 'charged off ' this account and has sold it to various collection agencies that call me repeatedly and send old monthly statements where my husband apparently used the account but no one can produce a signature page with my signature on it thereby creating an agreement/contract with Bank of America . 
Please help me remove this from my credit reports with XXXX and XXXX. 
XXXX let me attach the note that " I have no knowledge of this account. '' but will not report the information from my report. 
XXXX will not let me add the notation. 
XXXX does not show this account on my report. 
Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Blakely-Witt and Associates, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I called Barkley Witt and assoc.on the XXXX initial contact and the collection rep did not disclose the attempt to collect a debit and I called again to get a break down on what was owed and the rep was very rude and hung up in my face before I could give home the reason on my call, I called again and he gave me my balance and did not disclose again.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have an inquiry on my credit report dated X/XX/16, from XXXX XXXX XXXX, at XXXX XXXX Fire XXXX XXXX, XXXX, NC XXXX. I have not applied for any credit with them. I sent them a letter asking for the valid proof or please remove the inquiry. <P/>they sent me back a generic letter that states, " this dispute relates to an inquiry or request for consumer report. <P/>I called in to XXXX XXXX XXXX and spoke to XXXX XXXX XXXX XXXX, said if we show the inquiry it must have made an credit application. <P/>They can not provide it or even be certain that I did actually apply, This needs to removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (VA).
Issue: Trouble during payment process

Complaint: The bank continues to send me notices, in which, they include the mini Miranda disclosure making them collection attempts. These letters state that they need my XXXX XXXX insurance policy. I had called them several months ago and gave them the number and information to call the condominium association. Being the absurdly horrible bank that they are, they have n't done this. I live in a condominium with well over 100 units, so I 'm sure they could cross reference with other mortgages at my address or they could contact the condominium association as I had directed them in the past. If these letters continue, I will pursue legal action against M & T bank for the time I have spent on this matter as well as attorney fees and applicable damages. It 's particularly interesting that no other bank that has owned my mortgage in the past ( there have been many ) has ever made this request. It further speaks to M & T 's incompetence, laziness and disregard for their customers time. 

Please let this clown show of a bank know they can reach my condominium association with the information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX & XXXX XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX

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 01-04-2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: I took out a loan in XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX for {$310000.00}. Now it appears that all the documents are fraudulent including the Note and Proof of Claim and I want to receive all info requested by my attorney in the attached QWR from the alleged new Trustee XXXX XXXX asap via Fax : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PR).
Issue: Application, originator, mortgage broker

Complaint: We 're in the process of buying a house in XXXX. We 've lived most of our lives in XXXX, but unfortunately had to make the decision to move because of health related situation. We started the application process on XXXX XXXX, we have submitted all of the official documents that were requested by the loan processor as well as the ones that were requested by the loan originator. Some of our documents are in XXXX, but the associate who was the originator of the loan assured us that that would n't be a problem because they do have XXXX speaking employees and that she used to work in XXXX XXXX for the bank were we had our bank account. By the beginning of the loan application we set XXXX XXXX as the closing date. The mortgage was being handled by an associate since the beginning of the application, and about a week an a half ago, it was changed without notice. This new associate, which was assigned to the loan process because he speaks XXXX, have made remarks like the loan process is taking longer because " there 's a language barrier '' to the transaction coordinator of the Realty company who 's representing us, when not only me but my wife as well speaks XXXX, he has questioned why we want to move to the United States, even though I 'm a XXXX citizen and a XXXX Veteran, and asking " why after XXXX years living in XXXX, XXXX you want to move to the United States '', in which from what I understand he should ask in a non specific way, and he has questioned even a transaction for {$9.00} for a purchase of Chinese food, just to make the process even more difficult to us. Documents are being submitted not only through Loan Mortgage application website, in which he 's in charge to verify and add notes when the customer uploads documents, or in case there 's a specific document needed, in which he has n't update any of the notes he wrote the first time he did, not really letting us know what is wrong with the documents we submitted, or is he want a different document instead, and through the mortgage originator. We have submitted our tax information, social security statements, my retirement pension information, my VA Certificate, and non of it has been enough. We already sent our stuff to XXXX through a moving company and shipped our car, and they told us we would not be able to close on the house today. We have the credit and the assets to cover the loan, and we have even chose and signed the terms and interests on the loan that we want, but we still waiting for them to finish the process. We might even loose the house we 've chose almost a month in a half ago. All of this has been more than tedious.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am XXXX XXXX in the XXXX program. My loans through Wells Fargo are for my XXXX which should be deferred until I graduate in XX/XX/XXXX. Wells Fargo states that i withdrew from the XXXX program in XXXX of XXXX ( which never happened ) they now inform me that my loans are due XX/XX/XXXX, I have made numerous calls to Wells Fargo in regards to my XXXX XXXX status. They requested that I fax my current and previous class schedule which I did, now they want other forms filled out by myself and the school because they do n't know why I was told to send my class schedule. In addition my student loans online state they are in grace with XXXX due, if I have a payment due on XX/XX/XXXX and it 's currently XX/XX/XXXX should n't a payment amount be there?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: A Mortgage Company has conducted a modification behind without my consent. The primary account holder did not advise me that a modification was happening. After doing research and receiving documents from the loan, I noticed that the modification agreement was only signed by the primary account holder and the co-borrower did not sign the document for the agreement to move forward. I did not sign the modification. The Mortgage Company went ahead and did the loan modification without my consent and it shows that my name was crossed out from the modification. I fell that the Mortgage Company is still reporting on my credit report I fell that this loan modification was done illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXXXXXX XXXX XXXX promised to remove the account after being satisfied since the account had been open sinceXX/XX/XXXX. I contacted Experian and they continued telling me it was verified but they key it as Key Derogatory instead of removing it.

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