milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I requested a validation of a debt verbally from Hunter Warfield on   XXXX   XXXX  , 2017 regarding a debt that I noticed on my credit report. I also requested a validation of a second debt from Hunter Warfield on   XXXX   XXXX  , 2017 both verbally and in writing. In both cases, I requested that Hunter Warfield cease and desist collection activity during a 30 day period while I investigate the debt.
I received further information from Hunter Warfield regarding the first matter, which is currently under dispute in writing. A complaint has also been filed with your agency regarding to this debt. I have not yet received a validation of the second debt. However, today I received a debt collection call from Hunter Warfield despite my statements to Hunter Warfield that collection activity must cease and desist during the investigatory period of 30 days ( which has not expired ).

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 09/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Municipal Collections Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My car was stolen XXXX XXXX 2014. The corresponding police report number is XXXX. I was issued few tickets between the time the car was under the possession of the thief. XXXX IL also issued me tickets within that time frame. I explained the situation to them several times and also mailed and faxed the copies of police report to prove I am not liable for the tickets. They still went ahead and referred the ticket to a collection agency. I then contacted the collection agency and explained the situation to them and provided copies of police report. However, they still went ahead and put the ticket on my credit report causing it to drop by a XXXX points almost. This adverse account on my credit is totally unfair. Other tickets issued by other agencies were removed once I provided the proper documentation. I was not liable for this ticket in the first place. I was instructed by the police to provide a copy of the police report to any agencies the issued me any violations to get them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried several times and ways to have the AZ XXXX child support payments history corrected with the bureaus. Account was never late or with arrears. I have submitted court documents from the collecting state confirming on time payments and a overpayment. The CRB wo n't update and shows 35 missed pay, nets of 120+ days. There is also a loan showing wrong/false information not once but twice both with different data. It 's from XXXX XXXX in South Dakota and states I entered into some loan I have no idea about. I have been trying to get a home but it 's been months with incorrect information 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 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Capital Management Services, LP (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2006, while in my final year at XXXX University, I had a checking account with XXXX. During that spring, I received phone calls from a collection agency representing XXXX informing me that I owed around {$2000.00}. They had my name and SSN correct, but the account number was not my account. This account had bbeen opened fraudulently, used until XXXX stopped honoring the checks, and the person who had opened it disappeared. I communicated with XXXX, the debt collection agency, and I believe even filed a police report. I thought the issue had been resolved, but every few years since then, I have heard from a collection agency attempting to acquire payment on this debt.In the last three months, this has reared its head again in the form of multiple phone calls to me and a letter sent to my parents ' residence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted XXXX XXXX XXXX. My initial call was made over 30 days ago in late XXXX. This collection agency has 2 duplicate charges from XXXX XXXX in XXXX KY on my credit report, that I requested to get removed. One for {$3900.00} and the other for {$3800.00}, both with a principle balance of {$2600.00}. I was advised that the duplicate could be removed after a 30 day investigation, even though the rep that I spoke with advised that they placed the charge on my credit report twice himself. Both charges hit my Credit report in XXXX on in XXXX and the other in XXXX. XXXX XXXX also placed the account in collections with XXXX XXXX XXXX as well, so in actuality I have 3 marks on my credit for the same exact thing. I have contacted Transunion and XXXX as well and seem to be getting nowhere with the removal of these charges.

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 03/14/2016 about Debt collection (I do not know) with Clear Debt Solutions, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received repeated calls and voice mails from XXXX about an alleged debt of a XXXX year old relative who lives in another state and who is not my financial responsibility and who has never been my financial responsibility. Nor have I ever co-signed for any of her debts. When I called back to tell the company to stop calling me they said they were " not customer service '' - suggesting that they did not have to deal with irate callers and could use whatever tactics they chose to collect debts.

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 09/23/2015 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX private loans being managed through American Education Services AES. These loans are also co-signed. I have never defaulted on the payments, but my pay schedule is not in line with my due date. The begin to calling my co-signer over and over again starting the day after the due date. They rarely, if ever call me. I have over {$100000.00} in loans both private and federal and have asked AES to work with me on payments that I can afford. They reduced to the payment, I am still making {$240.00} a month payment and {$0.00} of it is going to the principle so 100 % goes to them for interest and my balance is going up monthly. The are rude to my co-signer. The calling multiple times a day. When I call them back the make threats to me. I make the payment due and within days they call saying I owe more money and that I am delinquent. I have paid XXXX of dollars a month and have still been considered delinquent. Payments are made they say I owe then fees show up out of nowhere. The are harassing myself and my co-signer. They are apply {$0.00} to my principle and therefore, my loan will never be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I receive telephone calls from XXXX Harassing me about an account XXXX I have never done business with them. They Claim Washington Mutual Bank was the seller when was this and for how much? They state that I owe them XXXX.
This is false Washington Mutual was more than 8 years ago for less than XXXX while I was sick. SOL had been up for many many years and these people continue to damage my credit.
They should be fined for harassment calling, false reporting, harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent a letter to Caliber Home Loans disputing the validity of the mortgage debt .I requested proof of payment for the fees Caliber Home Loans charged in escrow. 
Caliber Home Loans did not sent any documentation I requested it. 
Caliber Home Loans stated that will not produce or provide copies of invoices wherein I paid a fee for my loan. 
Caliber Home Loans keep sending fees breakdowns and payment history without any proof of payment! 
Caliber Home Loans will not provide copies of receipts and invoices because it is unclear as to how they relate to an error on the loan. Why Caliber Home Loans does not provide proof of fees payments they charge to my Loan? In the criminal world is called stealing. 
In addition Caliber Home Loans did not answer any questions i asked regarding the transfer and purchasing of my loan from XXXX to Caliber and new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Checking account) with First Data Corporation (NE).
Issue: Using a debit or ATM card

Complaint: I have NEVER, EVER experienced such unprofessional service as what has occurred with a fraud situation with XXXX XXXX ; payroll provider for XXXX. On XX/XX/2017 my wife and I went to a local supermarket, XXXX to purchase some groceries as there was a pending ice storm. My payroll debit card was declined which was impossible as I was just paid two days prior and had not spent much of the funds. We came home and logged on to the website and noticed XXXX FRAUD CHARGES ; XXXX pending with XXXX for {$260.00} and XXXX charges for a company known as XXXX XXXX XXXX ( XXXX charges for {$100.00} and XXXX for {$51.00}. We immediately called the XXXX # on back of card and where directed to a XXXX male who spoke XXXX. He told me to contact the merchants and try to cancel with them. My wife works at a bank, XXXX, and explained that the procedure is generally a fraud affidavit and to dispute the charges. The XXXX male assured me he would send out a fraud affidavit and we had only 10 days to dispute charges from XX/XX/2017. I contacted XXXX but you can only contact them via an online email form. I described the situation and asked for them to cancel the pending charge of {$260.00}. By XXXX on XX/XX/XXXX, the XXXX charge was cancelled and money of {$260.00} was back in my account. I conacted XXXX XXXX XXXX via email form to as there was no phone number as out of country company. I did not hear back from the company until email received on Wednesday, XX/XX/XXXX stating that there was nothing that the company could do to explain the charges since WE HAVE NO PRIOR BUSINESS with them but they " would cooperate with any disputes with the debit card company. '' I forwarded all documentation to Money Network via fax and mail on XXXX/XXXX/17 and then sent out all the documents via priority mail return receipt on Friday XX/XX/2017. I have retained all necessary documents which can be provided if needed. I regret having my money deposited with Money Network AKA First Data as now my co-workers have informed me that they have had similar situation and have NEVER received a resolution and that I would likely lose my money as the 10 days have now expired. I NEVER RECEIVED a fraud affidavit from the company and now am very concerned as the unprofessionalism and lack of understanding is clear on part of an out sourced call center to another country. I have done everything correctly and spent time and out of pocket to try and correct this situation for obvious FRAUD but the company does not seem to care to respond or act. I am at wits end and hope that at least but notifying the CFPB someone else does not go through this mess.

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 10/14/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Hello, I recently contacted and reported a privacy concern regarding USAA Your submission, [ Case number : XXXX ]. I have since experienced retaliation were they have now closed all of my banking and credit card accounts without reason without proper notification or reason other than a generic notice dated XXXX XXXX that they have decided to no longer do business with us per the customer service department. We have a been customer with USAA for years and they have always assisted us even in our most extreme difficult time and now when I submit a complaint and bring attention to their customer service practices our account abruptly gets closed and stating checks are being sent out from closure of our account and this has severely inconvenienced my family and my husband who is overseas to fight for our country. I have never experienced such infidel behavior and this is unacceptable. I seek to have all of our accounts reestablished and reopen all banking checking and savings and credit card accounts without lapse or gaps of any history affecting our credit. I also want the inquiry removed that was ran beyond my knowledge and my authority. When I called and spoke with their credit card customer service department on XXXX XXXX to report fraudulent charges from XXXX XXXX on my credit card and requested a new card under the same established account and not closure of my accounts. I received my credit card express delivery Saturday faster than expected from XXXX days shipping. Upon my return Sunday I found my card and called to have it activated was advised by credit card customer service I could not and only my account for the credit card was closed and my husbands was open and a supervisor advised they did not know why. They advised i needed to call back on Monday for the reason why. I advised them I have already exhausted a lot of time and requested a call back and verified and provided the new correct number with the supervisor and she advised that I would receive my call back from XXXX - XXXX tomorrow, Monday XXXX. 

Of course Monday morning no call as advised from the supervisor. I called them back after XXXX and was disconnected and transferred to the incorrect departments multiple times to finally get an agent out of the correct department and state they show no reason why as well and was going to have the Manager call me back within 24hrs regarding my account. 

Please help for I am without any money or funds to feed my family. 

No Military Spouse or Family should have to suffer as a result of unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Few months ago I opened up a BMO checking account for the {$200.00} sign up promotion for " Receive two qualifying direct deposits of at least {$300.00} or more within 90 days of account opening ''. I completed the requirements but the {$200.00} sign up bonus never posted to my account. I checked my account today and account has been closed. This seem like a switch and bait where they advertise you to sign up and refuse to pay and simply close your account.

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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX refuses to remove fraudulent inquiries from my credit 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 09-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I made a mortgage payment in XXXX XXXX for the wrong amount. I received a notice that I was late and the payment I made was in the suspense account. On XXXX/XXXX/XXXX I sent the correct amount and sent them a note on their web site to return the {$810.00} in the suspense account. I have called them many times and was told they would sent the funds back to me. 
I received a letter today stating they could not send the {$810.00} back. Checked my account and on XXXX/XXXX/XXXX when they applied the payment the balance was XXXX On my XXXX XXXX statement shows I am owing over XXXX then the XXXX XXXX statement shows over XXXX in the suspense fund. On the payment history on the DiTech page it show my balance went up to XXXX. I called and asked for a correct statement for how the funds were applied and was told to look at my statements. Also it is not possible to refund the XXXX. Also the letter I received to day says only XXXX was applied to principle, what happen to the other XXXX? If I go by the statements I was charged 2 more months of late fees. I need you to send someone to audit the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2015 about Bank account or service (Checking account) with KEYCORP (OR).
Issue: Problems caused by my funds being low

Complaint: I was automatically signed up for a mileage account when I opened a HELOC. Since I did n't want to pay the {$30.00} fee, I closed out my XXXX account in 2008. I was refunded the {$30.00} fee. My account was charged the fee again the following year. I wrote letters, called my loan officer and customer service 800 numbers. No one listened. As a result my overdraft account has snow balled as fees and penalties keep being added to a fee that should have NEVER been there. My overdraft protection should be at zero, and I should have a positive balance in my bank account, because I pay {$97.00} a month, while my bill is {$96.00}. 

Bureau of CFP, please do n't reward Key Bank 's customer no service for failing to listen to me, then stealing my $ by adding fees and interest due to their incompetence. 

Most Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Closing on a mortgage

Complaint: I had applied for a loan modification and while I was in the process XXXX XXXX XXXX was simultaneously foreclosing on me. Bayview will keep requesting for the same documents that i had sent to them back and forth and when they did no one will have a look at it. When I contacted them about the intent to file for final judgement that I had received from their attorney and that I wanted to respond, I was assured by the loan servicer XXXX XXXX not to worry because they 'll let their attorneys know that they 're working on a modification with me. Few weeks later I saw someone in front of my house taking pictures only to tell me that my house has been foreclosed. I contacted XXXX XXXX who was my asset manager to let him know what was happening. He told me not to worry because I was in the process of modification so they 'll reverse it. When he tried to get his manager XXXX XXXX to approve the modification he refused. I contacted XXXX XXXX who is the investor on the loan. They told me to contact Bayview and have them modify the loan and rescind the foreclosure. I contacted the Bayview manager XXXX XXXX who was very rude and nasty to me, and he told me there 's nothing they can do since they 've already foreclosed. I told him that i had spoken with XXXX  ID # XXXX from XXXX XXXX and had told me to tell him to modify the loan, have the foreclosure rescinded and notify XXXX XXXX but he refused to even listen to me and hanged up on my. I contacted XXXX XXXX and they told me they were launching an investigation. They assigned my case to a XXXX who was supposed to look into it. Every other day I called to get the status of my case and she was never there to answer the call. I try to speak to a different person and they kept telling me XXXX is the person assigned to my case so she 's the best person to speak it. She finally called me back on the XX/XX/XXXX and told me she 's trying to get my loan modified and that I should give her few more days. Prior to that she had requested I fax her all the paper work and my modification application to her which I did. She also told me that she was able to track my email conversation and the documents that i had sent to bayview to modify my loan. She told me that all foreclosure activity was supposed to cease when i applied for a loan modification. She assured me that she 'll work on my behalf and get my loan modified. To my amazement I receive a notification from XXXX today that my house is being auctioned. I have being lied to and treated unfairly by both Bayview loan servicing and XXXX XXXX. My children and I are going to be homeless

Company response to consumer: Closed with explanation