milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AmeriCollect (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. 
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX 2. AmeriCollect 3. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with EOS Holdings, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I dispute this with credit Bureau and the Collections company claims to have verified the debt without sending me any proof or verification whatsoever. 
I demand that they immediately remove the negative items on my credit report immediately or proof to me that I owed the debt by providing me documents and the original contract of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I closed this account from XXXX almost a year ago. I paid off my equipment fee and last bill, and even called XXXX to verify it after I received a bill from them again. They told me they would call the local store and verify and never contacted me again. Furthermore, I have NEVER, I repeat, NEVER EVER received any form of communication from a debt collector concerning this debt. I am just now seeing this debt, thanks to XXXX XXXX, and it infuriates me that no debt collectors, nor XXXX XXXX, has tried to contact me to inform me of any such debts, although I paid them the day I closed my service with them. There should not even be a debt to begin with. Either way, I want this settled ASAP.

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 11-01-2015 about Credit card () with SYNCHRONY FINANCIAL (LA).
Issue: Other

Complaint: On XXXX/XXXX/2015, I filed a complaint against Sam 's Club Credit card because they did not close my account when I contacted them on XXXX/XXXX/2015 to request that the account be CLOSED AND NO MORE CHARGES be allowed ( CFPB case number XXXX ). 

I received a letter dated XXXX/XXXX/2015 from Synchrony Bank in response to my complaint about my Sam 's Club Credit Card. In the response, the company acknowledged that on XXXX/XXXX/2015, I advised them that XXXX XXXX was no longer authorized to charge on my account. The letter further acknowledged that Sam 's Club SHOULD HAVE processed a lost/stolen card request at that time. The letter further stated that, regardless, no additional charges would be incurred because the account was at the {$6900.00} credit limit. Additionally, the letter indicated that Sam 's Club Business Credit account holders receive the courtesy of charging 5 % over the credit limit. The letter indicated that I was to receive a credit in the amount of {$1000.00}. 

I just received a letter dated XXXX/XXXX/2015 stating that the credit of {$1000.00} was reversed ( see attached ) because " Customer benefited from use of card/participated in purchases ''. I DID NOT - my daughter, XXXX XXXX, was allowed to continue using the card after I called to have the account closed! THE CARD SHOULD HAVE ( ACCORDING TO THE ORIGINAL XXXX/XXXX/2015 RESPONSE ) been de-activated ( reported lost/stolen )! Further, there is no FRAUD - I called to close the account on XXXX/XXXX/2015 - the company acknowledged this in their XXXX/XXXX/2015 response. 

And, with regard to the 5 % overage " courtesy '' - do the math : 5 % of {$6900.00} is {$340.00}. They allowed an additional {$1000.00} in charges - a difference of {$690.00}. 

I respectfully request that Sam 's Club ( Synchrony Bank ) honor the original resolution of a credit in the amount of {$1000.00}. 

I am XXXX years old. I will pay the debt up to the {$6900.00} credit limit ; however, I do not believe that I should pay a dime over that because the credit card company did not follow their own ADMITTED internal procedures. 

I expect a letter fully granting the original {$1000.00} credit to the account once and for all - once received, I will pay this credit card in full. There is no fraud - the bank failed to follow their own procedures and failed to close the account when I called to have it closed.

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 Experian Information Solutions Inc. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, Experian experienced a security breach and according to their reports, I was a victim of this breach. I 've had to add credit freezes to my account at each of the 3 major credit reporters ( Experian, XXXX, and XXXX ) because of this breach. My state requires that I have to pay a {$10.00} fee to each to of these companies, so I 'm paying good money and will have to deal with these freezes in the future because of Experian 's neglect.

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 07/25/2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: PayPal ran a hard inquiry on my credit on XXXX/XXXX/15 which I did not authorize. I was trying to make a purchase on eBay and I clicked add PayPal credit, thinking I was adding the {$10.00} I had in my PayPal account, but instead you ran a hard inquiry on my credit. I was NOT applying for credit nor did I authorize PayPal to run my credit. Please remove hard inquiry from my credit report with all XXXX credit bureaus. Customer service was very rude and made me cry, when asked to speak to a supervisor I was put on hold twice for over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (Credit card debt) with Monterey Financial Services LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I paid this account off almost 3 years ago and it has not been removed off my credit report. I tried calling the customer service department this week  XXXX - XXXX  ( I can not recall which day ) to see if they could help me out by removing this off my credit report since it has already been paid off but they rudely said they could n't help me and that they would not remove it off my report. The customer service was very rude to me when I tried to talk to them and ask them if they could help me out by taking it off for me. I asked to speak to the manager but they also treated me very rudely and also said he could not help me out. I would like for this charge off to be removed because it would help increase my credit score and it would allow me to qualify for a home that I am trying to obtain for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Private student loan debt) with Convergent Resources, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My daughter was sued by a law firm representing XXXX. We hired an attorney, and 10 days before the four separate filed suits were to go to trial, XXXX 's lawyers non-suited them. There were statute of limitation issues and I am doubtful that XXXX could prove that they had a right to sue since they probably could not prove that they owned the loans. 

Now, XXXX has sent at least some of these loans to XXXX XXXX, XXXX, and they are actively attempting to collect. I personally received a phone call today, XX/XX/XXXX2017, from XXXX XXXX. They are also bothering my daughter. 

I thought this was the case : " The Consumer Financial Protection Bureau today took action against the XXXX XXXX XXXX XXXX XXXX and their debt collector, XXXX XXXX , XXXX, for illegal student loan debt collection lawsuits. Consumers were sued for private student loan debt that the companies couldnt prove was owed or was too old to sue over. These lawsuits relied on the filing of false or misleading legal documents. The proposed judgment requires an independent audit of all 800,000 student loans in the XXXX XXXX XXXX XXXX XXXX portfolio. It prohibits the XXXX XXXX XXXX XXXX XXXX, and any company they hire, from attempting to collect, reporting negative credit information, or filing lawsuits on any loan the audit shows is unverified or invalid. '' Seems to me that XXXX is already in violation of the CFPB order. Have they completed the independent audit?

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 04-12-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Trouble during payment process

Complaint: I received a response from Wells fargo which is unacceptable. I would like to see evidence from my court proceedings 1 ) that states Wells fargo is not liable for my attorney fees.

2 ) XXXX XXXX at Wells fargo found in his research that we'll fargo inadvertently applied my funds on an incorrect loan and never reversed them.

3 ) Wells fargo has not correctly responded to all of my questions.

4 ) Wells fargo has refused to work with me on all of these issues, and will admit no fault 5 ) Wells fargo has refused to report correctly to the CFSB and your organization does not do the appropriate follow up 6 ) I have a letter from Wells fargo which shows me having a XXXX  in escrow, they they're tell me.its something different 7 ) Wells paid my Tennant XXXX XXXX at XXXX XXXX XXXX XXXX XXXX minute XXXX  $ to move out. This was done in XXXX  or XX/XX/2012. This was done under their REO ( real estate owned ) unit. They refuse to admit 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 explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: did not authorize inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Checking or savings account (Checking account) with ARVEST BANK GROUP, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is  XXXX   XXXX .   XXXX   XXXX    XXXX . I was recently released from  XXXX   XXXX  on  XXXX   XXXX   2016 . Upon running my credit report I discovered several accounts had been opened under my name and social security number. I filled a police report with the  XXXX  Police Deepartment noting the fraudulent activity. I would ask the bank please remove the checking account overdraft charges in the amount of  XXXX  for the account ending in  XXXX . I have contacted  Arvest  Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account with XXXX was a lease. This account was paid in full and A new account was opened with a different make of car. It reflected negatively as if it were just a closed account and brought my credit score down.

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 01/31/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX Attention : Department of Consumer Affairs I spoke with a representative in your office on Friday, XXXX XXXX XXXX. I was instructed to send a brief detail of my current situation, in hopes your office can help me resolve this eight month issue, which at this point seems irresolvable. 
My previous mortgage holder, XXXX sold my mortgage to Nationstar Mortgage Company. I received a notice from XXXX on XXXX XXXX XXXX to notify me of this transfer which will go in effect XXXX XXXX. I received my first correspondence from Nationstar on XX/XX/XXXX with my account information and my first payment installment information. On this document it also listed a discrepancy of XXXX, in addition to my monthly contacted payment of {$500.00}. I immediately contact this new company Nationstar and spoke with a representative on XX/XX/XXXX in hopes this error on my loan transfer could be corrected. 
Since XXXX XXXX XXXX to date : I have had XXXX calls, XXXX emails and XXXX faxes of requested documents to Nationsatr Mortage and XXXX. I have spoken with over XXXX different representatives in many different departments, from Customer Service Representatives, Escrow Supervisors and Corporate Staff. Apparently, XXXX made an error when transferring my loan to Nationstar. All documents have been received by both companies and it was concluded that I do not and did not owe this discrepancies. The monies were to be resolved between the XXXX companies. ( XXXX sending Nationstar this {$1400.00} ) Unfortunately, for reasons I do not know, this payment has yet to been sent. Nationstar has been and is still billing me for this amount. This situation has become a huge burden on me and my family. Nationstar has put my account in a delinquent status and has charged me numerous penalties for this outstanding {$1400.00}. 
I have been beyond diligent to do all I know/ knew to do and all I was asked by both companies in order for this to be resolved. Unfortunately, I am exasperated, exhausted, overwhelmed and quite frankly saddened, that I, the customer, have been treated as though I have no value to these companies. I have stated to both companies from the beginning, I do not owe this money, nor do I have this money to pay. I am a single mother of XXXX. I work XXXX jobs and I live on an extremely low budget. 
I have all documents to substantiate the facts. I will email or fax upon your request. Below, I have listed the last XXXX representatives I spoke with and their contact information. Both assured me, this problem was resolved! 





Thank you in advance for taking the time to review this distressing issue. I pray your office will be willing to step in and assist. I honestly do not know where else to turn for help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (MD).
Issue: Managing the loan or lease

Complaint: The interest rate is 35 %. At the beginning of the loan I was not told that the interest rate would be this high. As a matter of fact the advertisement said that the rate would be around 6 %. They changed the terms of the loan which they called restructuring of the loan to change the payment and they never honored the new payment of {$100.00} a month. I have paid for about 7 payments of this loan on this and still own the same amount as when I started out. About 3 months ago when I had to change accounts or method of payment they would not let me change checking accounts to make my monthly payments. The fees are out outrageous. They are already gouging me at a rate of 35 % interest plus bogus fees attached to late payments. Predatory lending practices at best. Customer # XXXX Loan Id. XXXX Avant 's Contact Info. XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX 2016 an employee had did a mobile app deposit of {$470.00} and cashed the check and withdrew it immediately. On XX/XX/XXXX 2016 the same employee took the physical check down to the check cashing place and cashed its again. As a employer we re held responsible for the check and had to pay the money back to the check cashing place. However, by law ( UCC/Holder in Due Course and Check 21 ), the Holder in Due Course who cashed the actual physical check is the one who is entitled to payment by the account holder. I have every legal right to demand that your bank recall the funds that were paid on the electronic presentment of your check to reclaim your lost funds. However, you are required by law to pay the Holder in Due Course for the physical check they cashed. Also under The key provision of the Check 21 Act is that it imposes a warranty and indemnity obligations upon a bank issuing a substitute check. A bank creating a substitute check assumes the risk that arises from the creation of multiple legally enforceable copies of the same item. The employee 's bank in the scenario above is deemed to have warranted to each subsequent handler of the check that it will not receive multiple presentments of the check such that it will be asked to make a payment based on a check that is already paid. The Check 21 Act specifically states : ... no depositary bank, drawee, drawer, or endorser will receive presentment or return of, or otherwise be charged for, the substitute check, the original check, or a paper or electronic version of the substitute check or original check such that the bank, drawee, or endorser has already paid. 12 U.S.C. 504 ... 
As an employer we were obligated to pay the money back plus fees, We want the bank to pay us back in full or we will file civil suit and file a complaint with the state attorney general.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2017 about Debt collection (Medical) with Paul Michael Marketing Service (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There was pathology performed as part of a XXXX in XXXX of 2015. Apparently XXXX XXXX XXXX rejected the claim from the provider and the amount was immediately sent for collections. 
I was not aware of the issue until I received the first collections letter. 
I contacted the collections agency, the insurance company and the provider. Eventually the provider straighten the reimbursement with the insurance company however I continued to receive notice after notice from the collection agency even after they were notified that the matter has been settled.

Company response to consumer: Closed
Consumer complaint received 02/13/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear Support Representative, I just discovered this and it has been effecting my credit since XX/XX/2017. 
My family been a customer of XXXX for 15 years and handling this account for almost 10 years paying all of my bills on time. 
I never opened the account that is in collections and marked with XXXX and pay my bills with XXXX on time every time for a decade now. 
I would appreciate if you can help me remove this derogatory mark as it affects my credit history. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (OH).
Issue: Application, originator, mortgage broker

Complaint: My husband and I wanted to do a stream line refi so we could get out of this PMI part of our loan. We started the process in the beginning on XXXX and we were told repeately that it will be just a couple more weeks until we close. We were told XXXX then XXXX then XXXX now we get a call today saying that its not happening at all due to the fact its been to long and it would not benefit us at all now! WHAT? I even called in XXXX and spoke with the guy who said its totally us, we are just way behind here we will close in XXXX for sure! What a bunch of XXXX! Its not my fault they were berried in refi applications and for some reason mine got pushed back 4 times!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX my house was damaged by super storm XXXX. We received some funds from XXXX and through our flood policy however had to come out of pocket with a lot of funds as well. Inbmarch XXXX I received notice from XXXX that they were auditing all of the NY claims as they realized they had under estimated on the funds they paid out and had shorted home owners. I immediately filed for a review of my file. ThXXXXe determined that yes I was shorted and this XXXX issued a check for $ XXXX. Because I XXXX mortgage the XXXX was made out to myself and the mortgage XXXX servicing. I have contacted XXXX, specifically XXXX Frye, multiple times. He will no longer call me back. I had requested how I can get the check endorsed. there was no additional work done to my house and based on their track record of handling my mortgage servicing thus far ( you can see I have multiple complaints for basic servicing items ) I do not XXXX for just blindly send the check in without some assurance that they know what to do with it, endorse it and send it back to me. My husband and I laid out a lot of money out of pocket to fix out house and this will help, to replenish the savings we had to pay due to XXXX shorting us.

Company response to consumer: Closed with explanation