milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2015 about Debt collection (I do not know) with Wilson, Riley & Associates (SD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a voice message from the number XXXX. It stated that they were trying to reach XXXX XXXX. I am not, nor do I know anyone by this name. The message stated that it was investigator XXXX calling. She said she '' d been asked to contact XXXX XXXX directly to serve a summons and that XXXX should either contact them or fax a stand down order or she would be out with the XXXX XXXX XXXX 's office to serve a summons. She ended the call with, " Thank you and good luck. '' I was directed to call XXXX with case # XXXX. I did call that number and ask to have my phone number removed from their database as I am not XXXX XXXX. They simultaneously insisted it was their process server calling and not them and that they had removed my number. Then XXXX hung up on me. When I attempted to call back to ask to speak to her supervisor, she refused to put me through to anyone else saying she was the highest ranking person there. She called me rude and nasty even though I had not been derogatory towards her, then made some type of comment about feeling sorry for my husband. I do believe that the threatening nature of this call is a violation of fair collection practice. It is also a simple process to verify that they are calling the correct party, and in failing to do so and leaving threatening messages for unintended parties with small children in the home they demonstrated highly irresponsible behavior. I have saved the message and will gladly replay it for any investigators interested in pursuing this further.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (I do not know) with Solutions To Portfolios, LLC (WI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Received a message from the receptionist at my work from XXXX a XXXX XXXX, she left a message advising it was in regards to a legal matter and I needed to return her call. I did call and she said I will be sending a XXXX legal form to your place of employment. I advised her not to call my employer or send any communication, she then hung up on me. I called back and she said, well its going to employer today.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Mortgage (Other type of mortgage) with U.S. BANCORP (MN).
Issue: Applying for a mortgage

Complaint: On or about XX/XX/XXXX my wife and I began the process of obtaining a mortgage for a four plex apartment building we planned to purchase. In the process of applying for the loan the loan officer filled out the application by doing an interview in person and by phone conversations with me. When we received the loan application to sign we discovered that some of the info was incorrect. Even after we tried to correct the info some remained incorrect. 
On XX/XX/XXXX or about a purchase agreement between buyers and sellers was submitted to US Bank and this started the application process. The purchase agreement contained all of the questions normally asked by a lender for obtaining a mortgage in Minnesota, however by XX/XX/XXXX US Bank requested that the seller complete a Seller 's Property Disclosure Statement. This was don and submitted to the bank by XX/XX/XXXX. 
Because of the repeated requests by US Bank for additional information that always seemed to be information we had already provided, I asked the loan officer and loan processor if they would tell me if they could n't or would n't write this loan. Their response was that they wanted to write the mortgage. 
Every time we provided documentation they requested, they would ask for something different. It was now XX/XX/XXXX. Because of tax liabilities my wife and I could no longer assume that we would be able to close the mortgage before the end of the year, and it became impossible to satisfy the requirements of US Bank. 
To protect ourselves we purchased the property on a contract for deed, and waited to hear from US Bank as to why it was so difficult to close this mortgage. 
I spoke with a number of leaders of the mortgage department, they were very polite and asked many questions. At the end of the conversations they promised to get back to us. 
On XX/XX/XXXX my spouse and I both received letters of denial from US Bank. These letters stated that there was not enough collateral for the loan. This is absolutely not the response we expected because that is a false and deceptive statement. We believe we were denied for some other reason, probably discriminatory. 
We have all the documentation for all contact we had with the bank including emails and texts. We believe that US Bank is being deceptive about the reasons for the denial and we believe they have broken the mortgage credit laws by this denial.

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 05-10-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Taking out the loan or lease

Complaint: I was placed into a program with my Auto Loan a few years ago, I just found out that I was recently removed without any prior notification. I called to see what was going on and I was told the rules changed to qualify and I was no longer eligible. I 'm XXXX XXXX XXXX and now I am trying to figure out what to do. I have been stationed in XXXX for the past 11 months. They stated that they mailed a letter in XX/XX/XXXX to me but like I stated, I 've been in XXXX since XXXX 2015. 
I looked at my credit report and it shows up now as a charge off/ collections account and has effected my credit. I have still been making my payments as I agreed to for the amount in the program. 
I do n't know if it is still that amount or if the payment went up or if the interest went up now that I am not in the program? I am suppose to leave from XXXX in a week and go back state side. By this being on my credit now, it is going to affect me getting a place for my pregnant wife and I along with our kids to find a house to live where we are getting sent to next.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (I do not know) with Midwest Recovery Systems (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a debt on my credit report that is not my debt. I do not know who they are, who they represent,, name has changed twice. They continued to ding my XXXX Report. I have filed a complaint with BBB ; complaint XXXX Submitted on X/XX/2017. Complaint against XXXX XXXX XXXX, XXXX Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX is reporting a negative account on my report. After two attempts, Capital One was unable to provide me with my signature and prove that account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The following dates I have contacted Transunion/XXXX to remove a public record which has been reported erroneously.

1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/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 02/24/2016 about Consumer Loan (Installment loan) with Atlantic Credit & Finance, Inc. (NY).
Issue: Problems when you are unable to pay

Complaint: The company Atlantic Credit & Finance keeps calling me at work even tough I have told them to stop calling me at my job. 
Since I told them not to call me at work, they have called me close to ten times after. 
What are my rights? 
Thank you, XXXX XXXX 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 non-monetary relief
Consumer complaint received 05/21/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery is attempting to collect a debt I supposedly owe from 2006. They have repeatedly called me, even when I asked not to. They tell me they do n't have to stop, even when I told them the Fair Debt Collection Practices Act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from me. I told them to only contact me by letter, that further phone calls would be considered harassment. The first caller would never admit that they would stop. He also never gave a definite yes on a recorded line that they would cease phone communication. They dance around the legality and will hang up. These Portfolio Recovery people are XXXX. Preying on almost a XXXX year old debt that does n't affect a credit. I 've googled them and seen that they will not stop harassing people, even after letters. So I 'm filling all the things that I can, so this stops.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I previously had a lien on my credit report that had been withdrawn by the lienholder ( XXXX ). The item was removed from my credit report several months ago and now  reappears on my credit report, dragging my score down as well. The validity and accuracy of Equifax as a viable reporting agency needs to be looked into as this type of error should NOT even be possible, not even once. This is NOT something I would want to see on my credit report just before I go apply for a mortgage. This is COMPLETELY ridiculous and unacceptable! I am just livid that this could even be a possibility! What is the point of credit reporting if it is n't even accurate and can not be verified as accurate???

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX, I opened a checking account with Bank of America in XXXX XXXX XXXX AZ. with {$1000.00}. I did not use the account and actually forgot about it. I do use a BOA credit card and online banking to track and pay each month. Recently I discovered that the BOA has been taking $ XXXX/month out for " service fees '' since approximatelyXX/XX/XXXX and this amounts to {$770.00} lost!
I spoke with a representative of BOA about ten days ago and was told that nothing can be done to recover the fees even though I was never informed that they would be applied after I had made the original deal to open the account which had no monthly charge with {$1000.00} balance.
I guess that they have some sort of " hidden wording '' in the original paperwork that I signed when I opened the account but I do not have any records to refer to as I totally forgot the account and trashed the old records a couple of years ago.
In a phone call today BOA told me that the original agreement provides that they can change the charges anytime and do not need my consent, which they did.
My complaint is that while this practice may be legal it is not at all fair to the consumer and should be stopped through regulation by Government agencies responsible for the consumer banking industry. Why should this industry be able to effectively change a contract element without assurance that the parties have been informed and consent to the change.
What a " shady '' way to do business in my opinion, but at XXXX Yrs. old I suppose my morals are obsolete.
Thank you for any assistance you may render, 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 monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX continues to list improper information on my credit report. I have never had a loan with them, have never had a loan transferred to them, and have had extensive telephonic recordings and emails related to their illegal and fraudulent actions. I am getting ready to sue them in District Court in  California for {$20.00} XXXX dollars, if this is not fixed immediately. I will not wait more than thirty days. This has been an ongoing process, and throughout the duration, they have created two fake Master Promissory Notes, released my information to a scamming private, third-party debt collection agency, called XXXX XXXX XXXX , XXXX, and lied about being XXXX XXXX, which is a non-existent company. They have engaged in identity theft and fraud, and I do not want their name on my credit report. I have had no contracts with them and have not engaged in any business with them. Further, I did not have student loans. In addition, the information listed is absolutely impossible ( PDF copy included ). XXXX claims that I have a loan originated in XX/XX/XXXX and another originated in XX/XX/XXXX. I was not in college in XXXX, and as I'm sure you can imagine,  most colleges don't begin in XXXX. The loan amounts exceed Federal Loan Maximums, and would have been processed as one loan, not two. Everything they've done is wrong. I expect this to be removed immediately, and I intend to exercise my legal rights and sue them to make that happen.

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 04-07-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: i refinanced my mortgage to lower my payments with a predatory lender by the name of XXXX. after about a year i received a letter from boa saying they had purchased my loan and i was due some payments. i started to contact them sending copies and dates. they threatened to foreclose so i talked to a attorney and was talked into filing XXXX to keep my house. boa never did straighten out the payments and to this day say i owe these payments. i paid my XXXX plan out and it seems i have paid them twice. boa sold the loan in the mid of bankruptcy and you are contacting them.

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 07/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIZENS FINANCIAL GROUP, INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have an account with them, but they keep calling a number that is n't mine that I asked them not to call. They said they removed the number, but they are still calling it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I thought I was only applying to one company when I got approved to buy the car. 

I've had XXXX credit cards for nearly a decade and my XXXX XXXX for 12 years before the transmission went out. At first I was happy when I learned XXXX joined with them as a lending partner. However only 3 weeks later I'm getting barraged by with hard inquiries ( XXXX ) related to my purchase on XX/XX/18. 

This also comes after I reported a screw was lodged firmly in my front-right tire of the XXXX XXXX XXXX I purchased. 

I haven't made an insurance claim. It could be coincidence after I scheduled an appointment to have the screw removed. Bottom line : Why all the sudden do I have all these inquiries? 

Reports are as follows : XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX   XXXX XXXX - XX/XX/18

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 09/25/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Today is XXXX, XXXX, 2015, no payment has been made for over eight years on a mortgage for a home that I legally own. The Statue Of Limitations in MA is six years to collect any kind of debt. The original mortgage was with XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX forgave the debt and discharged it at the registry of deeds, XXXX XXXX XXXX sold the debt and has been selling it and moving it around to all different banks, a lien was placed at the registry of deeds by US Bank NA and now XXXX XXXX XXXX XXXX is claiming they bought the loan and could possibly be selling it and moving it around. In the mist of all this my identity could possibly be at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has lied and claimed that there is no enough evidence to support my claim, well I am about to submit proof as to how the XXXX XXXX XXXX account was not mine and why all accounts associated with it are not mine. XXXX XXXX XXXX claims the account was charged off in XXXX by someone named esquire, myself, and a XXXX XXXX. In XXXX XXXX of XXXX, I was married to XXXX XXXX who became XXXX XXXX. In XXXX of XXXX, all her accounts were changed to her married name including a student account she had with XXXX XXXX XXXX. I am attaching a few pictures of her card showing this. Now explain to me why I should not sue you for the XXXX you have cost me XXXX. Give me a XXXX 60 day response and I will make sure court papers are filed the next day. You were caught committing a felony and should be charged but we all know heartless souls like those at Equifax bought all the agiencies that oversea them.

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 03/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am looking at my credit report and my name is not fully my legal name. I would like to update that information as soon as possible.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a letter that I sent to Equifax, XXXX, and XXXX XXXX on XXXX XXXX. More than 30 days have done by, and I have not yet received responses.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MI).
Issue: Fraud or scam

Complaint: Western Union sent me XXXX letters dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ( I did not act on this until this week because I was out of the country for 4 months ) saying that they made a mistake and wanted to refund my transfer fee on a specific transaction ( {$12.00}, {$15.00} & {$12.00} { for a total of {$39.00} }, corresponding to the above letter dates ). They did not enclose a check but said that " You may generally pick-up your refund at any Western Union agent location in your area ''. Monday XXXX XXXX I went to a 'full service ' agent ( XXXX, XXXX XXXX XXXX , XXXX XXXX, MI XXXX ). They took my letters, went to their computers and after much time said that they could not find any information about this matter. The only way they could help me is by calling Western Union. I said, " You are busy, I will stand here and call Western Union myself. '' I did so and spend a total of 26 minutes on the telephone. After a long initial hold period, I did speak to a customer service representative who knew nothing about the matter but went off-line twice for long periods of time. After the second time off-line she came back on and excitedly told me that she now knew which department I needed to talk to. She quickly transferred my call at which point I was on hold again. After 5 or 6 minutes more on hold and, as noted above, 26 minutes total elapsed time after Western Union first picked up my call, I gave up and disconnected the call. This whole process strikes me as a blatant attempt on the part of Western Union to avoid refunding monies that I am due. The {$39.00} is 'de minimis ' to my financial well being. But, how many other people and how much money is Western Union trying to avoid dealing with ; trying to avoid fulfilling their obligations?

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 've been trying to get my credit report with Equifax. They continually ask me for evidence of my address, etc. I have tried and tried over and over several times and It has been over XXXX since I 've been doing this. They now want me to pay for my credit report when I have not received my FREE annual credit report.

Company response to consumer: Closed with non-monetary relief