milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX   and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) CMRE, account number XXXX ; 2. ) CMRE, account number XXXX 3. ) CMRE,  account number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I planned a trip with my XXXX to XXXX. I have had past issues with ATM machines within casinos, and unfortunately, I did n't have any cash for the trip. I decided to use on of the ATMs to take out cash. And I was alerted to proceed to the teller with my receipt in hand. I made a total of XXXX withdrawals. When I checked my statement on my way back to California, it seemed that I was double charged for each attempt of cash withdrawal. My heart sunk because the total was XXXX. I was terrified that this much money was even capable of being withdrawn in ONE day. Is n't there a limit of withdrawals? Or of the amount. I was petrified. I called BOFA who was kind enough to reverse the charges while I held on to my receipts just in case they were to be needed. I received a message from BOFA stating that the claim was denied and that all charges would be reversed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Credit card) with Alliance Data Card Services (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My name is XXXX XXXX. I am very much a XXXX individual and they are now and have been repeated calling my cell phone at all hours of the day looking for " XXXX '' and that " XXXX, you need to call us right away or have your attorney contact us. '' I have had this cell phone number since XX/XX/2006. I do n't know what game they are playing but it needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Mortgage (Other mortgage) with Aspen Properties Group, LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: The homeowner has been trying to get a loan modification since  XXXX / XXXX / XXXX . Recently I was served a Notice of  Default  on  XXXX   XXXX ,  XXXX . The servicer  XXXX   XXXX  served the  XXXX  Notice. A trustee of Sale is :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , Nevada,  XXXX .     I have a change of circumstances and am formally filing an appeal via the CFP B Consumer Finance Protection Bureau. I  am requesting a basis of denial report, as appears that errors in the income and property value were used to base the denial for request for a loan modification. I was denied a loan modification : without an explanation for the denial.     On  XXXX / XXXX / XXXX  A notice  of Default was file d. There is no date of sale set at this time.     Recently on  XXXX   XXXX ,  XXXX  I discovered that the previous lenders,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX   XXXX  and   XXXX   XXXX   XXXX   : signed consent agreements for mortgage fraud violations, including no just standing. The homeowner has ordered a  XXXX   XXXX   XXXX  on this property and reserves all rights under discovery and possible violations exist in the following :   1. Broken chain of title.
2  . No just standing  3 . Gross fragmentation of the note to  XXXX   XXXX .   The home owners  XXXX  audit produced in  XXXX   XXXX ,  XXXX  : could also show strong evidence of known robo signer participation in  XXXX  documents and more.   The Homeowner alleges the following investor, Master Trustee and servicers ; most likely knew of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include :  Aspen G LLC ,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX   XXXX  and of course   XXXX   XXXX   XXXX  .     This CFPB complaint includes :  1 . LACK OF STANDING TO FORECLOSE ;  2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10 . RESCISSION.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My car has never been late or in repossession status with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, sent me a letter after doing an investigation on my automobile account. I was told by Experian Credit Reporting Agency, to  send in the letter to have the account updated. So I overnighted the letter to Experian Credit Reporting Agency to have the information corrected. At that time Experian and I got on the phone with XXXXXXXX XXXX XXXX XXXX to verify the letter. XXXX XXXX XXXX XXXX verified the letter that it was valid. But, Experian to date has not removed the inaccurate information from my report. Please help me, I am trying to close on my home, but ca n't because Experian has not removed the inaccurate information from my report.

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 02-11-2018 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This company has derogatory information listed on my report I have asked for for proper validation they have not done so, I needed the signed agreement for the account they have failed to supply it to me, the account is not mines I never lived at those addresses Ive never obtained credit from this comany JARED GALLERIA, therefore I need them to immediately submit a request to remove the adverse information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am in an active modification review with my lender Ocwen, as of XXXX/XXXX/2016 I was informed that additional documents were needed and was informed from XXXX ID # XXXX that the sale currently set for XXXX/XXXX/2016 was ON HOLD pending further documents in which was faxed over on XXXX/XXXX/2016. Now after following up with the lender I am informed the sale is in fact active and they are proceeding tomorrow XXXX/XXXX/2016 at XXXX XXXX leaving me no option but to file an emergency bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received several messages today from XXXX. They have called myself and every family member and threatened to take legal action against me. When I called back the statements he was making were false. I asked for his fax # and please and not contact any of my family member 's. The account he spoke about has been in active for 7 years. He quickly started calling me names and hung up on me. When I tried to call back he used more false statements and said he would call everyone I knew to tell them about me. Now he is calling my children 's phones.

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 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have had phone conversations and exchanged e-mail trying to resolve.  Chase refunded a credit balance in my account that amounted to $XXXX on XX/XX/18.  This credit showed up the same day I made a $XXXX  payment on the account.  The problem is that I was not contacted, the check was sent regular mail and they said it's because of the length of time the credit balance was reflected.  Note that the credit balance on the account, if any, fluctuates monthly so can't see how that might be but perhaps it's a regulation they have to live with.  In any event, why would they send me a check one day and on the same day I made a payment?  I'm now out the $'s as I have no access to the funds.  Have no idea when the funds will get here and they said something about a wire but that was like a week after stop payment on the check is issued.  The have taken control of my $'s, made no mention of it to me and are holding my $'s.  I believe the account would require me to pay 18% interest on  more so would expect that interest paid to me along with immediate access to the $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Debt collection (Credit card) with Security Credit Services, LLC (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Security Credit Services , LLC has failed to prove correct date of XXXX Delinquency for an amount owed to the original creditor, XXXX and has been reporting the collection account on my XXXX Credit Bureau Report. Pursuant to the FCDBA Debt Vericiation must be furnished in order to report adverse account on my Credit Bureau Report and thus XXXX XXXX XXXX has also violated the FCRA. They have reported Experian with incorrect Date Of XXXX Delinquency. To my knowledge the date of XXXX Delinquency is in early XXXX and not XXXX XXXX as reported by Security Credit Services , LLC. 
I am demanding Debt Verification from XXXX XXXX XXXX and they must establish the following:1. Proof that the collection company owns the debt/or has been assigned the debt. 
2. A copy of a statement from the original creditor including the amount of the debt and complete payment history ( Established by XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 3. Copy of the original signed loan agreement or credit card application. 
If Security Credit Services , LLC can not furnish the requested Debt Verification or Correction, they must remove the collection account from my XXXX Credit Bureau Report. If they keep reporting it, they are clearly violating the FCRA guidelines and I have the right to sue Security Credit Services , LLC for {$1000.00} in damages in addition to court costs. 
XXXX Credit Reporting Agency, XXXX Credit Bureau also must provide " Method Of Verification '' of the alleged Security Credit Services , LLC account. 
XXXX and Security Credit Services, are both causing me financial harm by continuing to report the negative account incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (ID).
Issue: Trouble during payment process

Complaint: Wells Fargo foreclosed on house saying I missed 6 payments, then sent an agent to tell my tenants that they would have to move, they would not listen to what I had to say, so I sold every thing I owned and moved so I could pay what they said I owed then they listened and I sent copy of receipts, that was the last I heard from them, I was unavailable, for month, maybe they tried, I am available now.

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 09/25/2017 about Debt collection (Other debt) with Bull City Financial Solutions, Inc (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On several occasions I have contacted Bull City financial Solutions : XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX about a {$330.00} debt on my account for a account at XXXX XXXX. I have submitted letters stating this debt is not mine at no time did I authorize services in my name nor have I had them. I sent proper documents stating this that they have requested and they have refused to respond nor remove this item from my credit report. It has been more then enough time for this item to be removed.This debt does not belong to me and I have provided more then enough information to show this. I do not know what else I can do to get this removed they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the following tax liens with Transunion multiple times. Despite my best efforts they refuse to remove the negative accounts. The results of the investigation are that the accounts have been verified and to contact the furnisher of the information. I contacted XXXX XXXX XXXX court and they stated that they do not report to the bureaus. How can Transunion verify these accounts if the original furnisher does n't even report to them? The false reporting of these accounts is extremely damaging to my credit score and affecting my ability to obtain a mortgage. I would like them removed immediately. I have attached a copy of my credit reports reflecting the accounts in question. Below I have also listed them : XXXX XXXX XXXX : Tax Lien # XXXX Lien # XXXX Lien # XXXX Lien # XXXX Lien # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: There are two issues at hand : 1st issue is that I have a mortgage with XXXX XXXX, that was set up last XXXX, and it is still not reporting on my Transunion file, it is how ever reporting on the other 2 agency 's, I have called mutiple times to get it corrected and get some one overseas that tells me that that I have duplicate files, I told them there are 4 XXXX XXXX XXXX in XXXX County,  Ohio, but it 's never been corrected as of today, I have reach out to XXXX  and they state they are reporting. 

2nd Issues, is that we did a tax settlement with the IRS, the IRS agreed and we file the paperwork to remove the reporting of a Federal Tax Lien over 7 years ago, mutiple letters and calls to get it resolved, but it 's still reporting.

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 02-08-2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (CA).
Issue: Shopping for a loan or lease

Complaint: I had a XXXX XXXX in XXXX Arizona run my credit and issue a auto loan to my cousin without my consent. They ran my credit in XXXX/XXXX/2015 and I never signed any consent for them to do so. I did not find out until XXXX XXXX sent me a letter stating that I had a new auto loan with them. As a result of XXXX running my credit TD Auto Finance XXXX XXXX XXXX XXXX XXXX MI XXXX also ran my credit without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: The most recent issue is this : We had a modification on our mortgage. It was signed in front of our attorney with Ocwen on the phone with us for any questions. They had already filed suit on me eventhough i had paid and had receipts. 
On XXXX XXXX, XXXX the Modification was signed. Our payments would be XXXX by XXXX. My payment was made on time. 
I have recieved a letter in the mail stating that we owe XXXX starting XXXX. 
We signed the modification and agreed. Now they are wanting more, again. They also attached a balloon payment at the end and no credit given for the 14 years of payments that i have already paid. 
In XXXX, i was not going to include the house in the bankruptcy but recieved no affirmation from ocwen when I asked for XXXX. After I paid the payments from then to XXXX XXXX, i recieved no credit for it. They also say that they are not attempting to collect a debt. I never recieved a monthly bill, but i knew the monthly payment and continued to make them. Now since i have never been credited for those payments ( which i have reciepts ) since the modification, they are trying to collect the escrow for three years! 
They are asking more for the house now than when i bought it.

Company response to consumer: Closed
Consumer complaint received 06/25/2016 about Credit card () with U.S. BANCORP (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a call from USBANK stating that the free Overdraft protection is not active on my account and they asked me if I want it activate, so I said yes ending the conversation with that. After, a couple of days I check my account and USBANK has made hard credit inquiry and have opened a new credit card without my permission. 
First of all they never told me that they are opening a new credit card They did not tell me, they were going to do a hard credit inquiry They did n't affirm my identity upon calling my phone number. 
I have also the recording of the conversation that I had with the USBank representative, where all I said was yes to overdraft protection.

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 09/21/2015 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: California Business Bureau of XXXX, CA, has attempted, on numerous occasions, via their representative XXXX, to collect over {$1000.00} above the principal balance of an alleged medical collection with XXXX Hospital in exchange for deletion of this account from my credit report. The company claims they have validated this debt with statements and bills in 2010, however, I stated I do not recall this, and they have refused to send updated copies of this debt validation to my current address or remove this from my credit reports. 

California Business Bureau has attempted to extort excess money from me, the consumer, in exchange as a barter for deletion from my credit files. I believe this to be a violation of the FCRA and a very unethical practice. 

I have disputed this debt with the original creditor as well, XXXX HOSPITAL, who claims that the debt is valid based upon me recalling one of the services performed ( XXXX ), though I still dispute the dates of service in question and total amount said due. The original balance is quoted as being {$1700.00}, and CBB is requesting over {$2800.00} to close the debt and remove from my credit report. 

In addition, I have filed a complaint with the XXXX and the Attorney General in California for this company 's extremely unethical business practices. Note that XXXX, CBB Agent, stated " I 'm not supposed to do this and normally we do not do this, but will delete this for you if you pay this amount ''. The company has refused to further dispute this information, nor has accepted responsibility for the attempted bartering with their agent and non-compliance with FCRA. It is also worth noting that NEITHER THE ORIGINAL CREDITOR ( XXXX HOSPITAL ) OR THE COLLECTION AGENCY ( CALIFORNIA BUSINESS BUREAU ) HAVE COPIES OF MY DRIVER LICENSE, SIGNED DOCUMENTS BY MYSELF, or SOCIAL SECURITY CARD proving this is my debt, or that I was seen on the alleged date of service for the alleged services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My insterest rates are so high that I ca n't cover XXXX payment because that XXXX payment is more than XXXX of my paychecks and I only get paid twice a month. I called navient and they do n't want to help me or hear it. I have called them so many times now and ca n't get anywhere. I literally feel at a loss because I do n't know how I 'm going to actually live have to make over a XXXX dollars in XXXX payment. They refuse to decrease the monthly payment. They even told me I do n't qualify for an income based repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Disputed account is well beyond the 7 year statute of limitation for being on a credit report but 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