milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2016 about Debt collection (Credit card) with Berndt & Associates, P.C. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I will try and be brief as possible as there are a lot to this complaint. I have been fallen victim to zombie debt and banks selling bad credit card debt and robo-signing court documents. I have been forced to pay on debt when I have made it clear I had NOT seen, heard, had any correspondences or seen any statements or burden of proof I owe debt. I have fallen into the system by default due to the tactical advantage of debt collecting lawyers. I was intentionally mislead to obtain a default judgement. I have not seen anything or any statements of said credit card and I have not heard from them on any debt I owe for over 12 years. Last I knew I paid the debt and I cut up my card back in XXXX or XXXX. I never paid on this debt after that since I had not known I owed anything at all. Once I was able to obtain any statements that are specious in of itself especially since there were XXXX different account numbers from same original banking institution of record. Only XXXX account number was referenced to from debt collectors as breach of contract and the other account number is what the bank of record has as my account with them. Even the banking institution shows nothing on file only that I had held an account there in the past and account number if the bank wanted to know more info they even had to call card services to obtain any information. Please reference my attached documents and my response to the court once I obtain statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/14/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Application, originator, mortgage broker

Complaint: Bank of America has charged off the mortgage, but is not accepting payments. I would like to keep my home and apply for a modification.

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 11/21/2017 about Vehicle loan or lease (Loan) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Hello, Yes, I took out a loan with HSBC back in 2005, which I have not paid back in full, but have since found that fraud occurred with HSBC charging me a higher interest rate than was allowed, due to the rigging and of Libor interest rate. 

The loan was through XXXX XXXX in XXXX, Ohio. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my XXXX, XXXX and Trans Union credit report : XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX unsecured personal loan account # : XXXX  for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX. The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : 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 10/16/2015 about Debt collection (Payday loan) with Premier Recovery Group (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I keep receiving threatening, harassing phone calls from " XXXX '' " XXXX XXXX XXXX '' stating they are going to have me served court papers and have me arrested for non-payment of a payday loan from 2012, as they are stating they have converted this into a " bad-check '' case. They keep calling me from phone # XXXX, again, being very rude and threatening.

Company response to consumer: Closed
Consumer complaint received 03/22/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Trouble during payment process

Complaint: I have mortgage from Bank of America for my home. I purchased home ( in XX/XX/XXXX ) of {$200000.00}. I took mortgage of {$180000.00} ( 11 % ). Thus, I have PMI insurance on mortgage. My current principal balance on mortgage is {$150000.00} which is 74.6 % LTV ratio. When I called Bofa for first time to request cancel PMI ( principal balance {$160000.00} ) they told me my LTV ratio of mortgage need to be lower than 78 % and I need to do home valuation report but if I have principal balance less then 75 % then I don't need home valuation. At that time my LTV ratio was 78.28 %. Thus, I deposit more money towards principal and I request again for canceling my PMI at {$150000.00} ( principal balance ) which is 74.6 % LTV ratio.

At this time, Bofa stating they can not cancel my PMI until XX/XX/XXXX year because that was the date loan supposed to be at 78 % according to amortization schedule. According to Federal law I am eligible to cancel my PMI, once it is less then 78 %. I have continuously make regular payment and deposit more each month towards principal. It's becoming racket by Bofa. Each time I am getting different response by Bofa to decline my request.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked due to negligent security measures, and all of my personal information was stolen. I am now facing potential identity theft and all of my personal information could me made public on the internet, leaving my identity free to be stolen at any time for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Dear sirs, My wife and I are being constantly harassed by this collection agency named First National Collection Bureau , Inc., located in XXXX, Nevada. The collection is for old credit cards which was discharged in bankruptcy some 20 years ago. And in which the statue of limitations has also run out. We have continuously sent them letters telling them to Cease and Desist all collection activities from us. And they just continue to do so. So I 'm contacting you to see if you can resolve this very annoying matter for us.They have been doing this to us for the last three years now. Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Ad Astra Recovery Associates has placed an account on my credit report that I do n ot owe. I have never received anything in writing from this company nor have I ever seen a contract between the company and myself. I do not owe this debt, I am being held financially responsible for a bill I did not create. I have disputed this account multiple times asking for verification or proof of debt. I have yet to receive any type of information regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I signed up for a Wells Fargo Cash Wise Visa Card. I did not receive the {$200.00} cash rewards bonus after spending {$1000.00} in first 3 months

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX. Experian, have me having an Alias of XXXX XXXX this is my son. I have sent doucments. It still remains

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 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened an American Express Starwood Preferred Business Card in late XX/XX/XXXX due to the enticing XXXX open account reward promotion. I have met the spending requirement of XXXX dollars in XX/XX/XXXX, however, the reward points promised never showed up in my Starwood Reward Program account, where my previous points from the American Express cards appear. Three attempts to communicate with American Express were made roughly 1 month apart starting in late XX/XX/XXXX. Each time, I was promised the points will be awarded. To date ( XX/XX/XXXX ), three months after the requirements were met, I have not seen any rewards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have informed collector of my new mailing address but yet collector still send collection letter/notices to my old address which my sister live. Collector seems to use the mailing to old address for important documents/court order to which I did not received and fail to report and result in a default judgement. I have letter written to inform collector with settlement check which the cashed and acknowledgement of my new resident/mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with Choice Recovery, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have a a unverified account from CHOICE RECOVERY   XXXX , XXXX . I   had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY 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 CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I 'm in compete disbelief at the lack of credibility that this bureaus holds. I have submitted a multitude of disputes with evidence " validating '' my finds and indicating Equifax 's discrepancies. Without a shadow of a doubt you have confirmed your lack of wherewithal and utter failure at upholding the FCRA standards of practice 611 ( a ) ( 5 ) ( A ) ( i ). To state your investigation practices are blatantly incompetent is an understatement. I submitted a dispute roughly around XX/XX/XXXX. I am just now being notified of the results. The results are a complete contradiction of not only another investigation Equifax conducted but of the actual " debt collector '' falsely claiming I owe them. On XX/XX/XXXX XXXX XXXX informed me they have NO record of my debt and will be notifying you. So what investigation did you conduct? Who did you contact? What verification code did you issue, to verify your findings? At this point, it is very clear your response will be false on a number of plateaus. Please be advised, under the 15 U.S. Code 1681i, all unverified accounts must be deleted. Therefore, if you are unable to provide me a copy of validated proof that you have on file for EACH account listed on my report. You must REMOVE these accounts immediately. Upon doing, so I am requesting an updated report demonstrating the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with AFNI INC. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I called XXXX XXXX XXXX Afni Account # XXXX, with the original creditor being XXXX XXXX XXXX, creditor account # XXXX to pay the the discounted amount of {$180.00} to settle me debt. This was all verified and confirm over the phone. I just received my Bank Statement and they charged me for the full amount of {$370.00}. I then called today XX/XX/XXXX at XXXX to dispute this transaction and Afni Account stated I have to wait 6-8 weeks for them to refund the money and then they will return the account to my credit report as being charged off, then I would have to repay the account again with me telling them I want to pay the discounted amount, not the full amount, which I already told them all this when I made the payment XX/XX/XXXX. 

Afni Inc stated I did not tell them I wanted to settle my debt at the discounted price of {$180.00} so they charged me the full amount of {$370.00}. How ridiculous is that statement? 

I then asked for a confirmation number or reference number for record keeping and to have proof the conversation between me and the creditor occurred on XX/XX/XXXX and the creditor who was on the other line of phone # XXXX XXXX XXXX at XXXX stated, there is no proof or record keeping of this transaction, the proof is me telling you what's going to happen, which is I wait 6-8 weeks, they then return my money of {$370.00} along with my charged off debt on my credit report, once this happens and I see it on my bank statement, I call them and tell them I want to pay the discounted amount, not the full amount. etc..

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My account ending in XXXX had fraud on it and I filed this complaint last time and a person from the bank names XXXX got back, but she never did anything about it and she dropped contact. I tried calling and reaching her numerous times and even sent the information to her that she requested but she just disappeared.

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 10-04-2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (TX).
Issue: Settlement process and costs

Complaint: In or near XX/XX/XXXX, I applied for a reverse mortgage and was told that I was approved. I was to receive {$18000.00} cash back at closing. I received {$1800.00}. I was told on several different occasions from several different people from the XXXX XXXX XXXX and Reverse Mortgage Solutions that I would get my money but it 's not XX/XX/XXXX and I still have not gotten my money from the HECM loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Commonwealth Financial Systems, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX Services do not allow for services to be rendered before being paid. This was a paid account. Somehow on XX/XX/XXXX they believe I owe an unpaid emergency services debt. I have never been to emergency with my daughter unless it was paid so this must be someone elses report. 


XXXX account reported on XX/XX/XXXXOpenAccount # XXXX $ XXXX Creditor $ XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNote

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Payday loan, title loan, or personal loan (Installment loan) with Braviant Holdings, LLC (NM).
Issue: Problem with the payoff process at the end of the loan

Complaint: My husband and I received a loan for XXXX on XX/XX/XXXX We have made 6 payments every two weeks for XXXX totaling XXXX. I called on XX/XX/XXXX to payoff loan and they asked for another XXXX to pay the loan off. I do not believe that they have applied any of my payments to the principal. They kept telling me that I still needed to pay for interest that was to paid throughout the original term of the loan. I advised them that I am paying them early so that does not apply to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Constant phone calls and no messages left. Research the number and its XXXX XXXX XXXX. I dont owe anything to this debt collection company and nothing is reported on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did  not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with EquifaxXXXX XXXX, and XXXX. The credo bureaus remove it, however XXXX XXXX continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at Equifax to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for XXXX XXXX to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers :  XXXX CFPB Complaint : XXXX Credit Bureaus Complaint ID : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My complaint is dealing with my Chase saving /checking account there was a fraudulent charges on XX/XX/XXXX. This particular charge at XXXX XXXX for {$1100.00}. I disputed Initially. They replaced the funds briefly. Then on XX/XX/XXXX a reverse credit for {$1100.00} debit card dispute appeared on my statement. I contacted Chase to resolve the matter they stated XXXX XXXX disputed the charge and I 'd have to file a small claims to get the money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit card () with TD BANK US HOLDING COMPANY (UT).
Issue: Other

Complaint: I was issued a credit card XX/XX/XXXX through Target Financial services. On my credit report, target is reporting that the date of last payment is XX/XX/XXXX. They are also reporting that my date of XXXX delinquency is XX/XX/XXXX to XXXX and XXXX to XXXX. XXXX merely reports that the account was charged off XX/XX/XXXX. My contention is that if the date of my last payment was XX/XX/XXXX, then my 1st date of delinquency should be XX/XX/XXXX, not XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. I have disputed this account multiple times and Target Financial has validated the information several times with each credit reporting agency. This account is being reported directly to the XXXX credit reporting agencies, and not through a factoring company. Contact directly with the creditor is difficult as the account is closed.

Company response to consumer: Closed with explanation