milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is from XXXX, 13 years ago. I absolutely do not remember this at all and it is a XXXX cell phone bill. There is a statue of limitations on this type of thing and they are threatening to put me in collections from a XXXX debt I dont remember.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Attached you find a payoff letter from XXXX that states loan was paid in full as agreed. It was not part of Bankruptcy.

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX  Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX This account was never late. I've have disputed this with this company time and time again. Now this account has been paid off completely and it is still showing up negatively on my report. This is not fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: A company called XXXX called me and said they were XXXX and I had viruses on my computer and they would remove them for {$300.00}. I later found out that they were actually putting in viruses to hack into my computer. I had to have another company remove them. I reported this to my Citi bank credit card to remove the charge. I filled out several complaint forms and was told it was not enough information and they could do nothing, so I cancelled the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hi, I have got calls/Letter from Credit Management XXXX to collect debt. I have disputed the debt and requested details of the calculation as I do n't own any debt for XXXX. Credit Management XXXX is not able to provide any details of the debt verification. 

I will appreciate your help in resolving this issue ASAP. 

Thanks

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2018 about Debt collection (Mortgage debt) with Blakely-Witt and Associates, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Date Debt Occured : XX/XX/2012 NAME OF DEBT : Blakely-Witt & Associates AMOUNT OWED : {$4200.00} I was going through my credit report and I noticed this debt being deliquent, now I have tried to reach out to this company via phone and left numerous messages and I have not received any contact back. I looked their profile up via XXXX XXXX XXXX and they have a F Rating.

Now how does this pertain to me it does when their is thiss debt that I know for a fact is not the right amount, the apartment company that this Debt originates from is XXXX XXXX Apartments in XXXX Texas. And here is what should have been reported when I moved out of these apartments the property management at this time because I was late on my monthly rent by only {$800.00} and I told her that it would be nearly impossible to get this caught up being I was on a fixed income and this was mentioned to them at time of move in also. The Apartment Property Manager after a private meeting in her office told me that after speaking witht he owner of the properties I had two options to pay my {$800.00} rent this was deliquent or due to the circumstances that they would let me out of my lease being I had only a few months left at no additional cancellation fees. 

So I see this debt sitting at an expensive {$4200.00} I am disputing this charge because thats not what I was told I owed at time of move out from the property. This number is def. wrong is def. some fraudlaunt charges here. Now I have attempted many times to reach out to the company but they dont seem to care to reach back out in return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Transunion XXXX XXXX XXXX XXXX, Pa XXXX I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. The item ( XXXX XXXX, XXXX ) is inaccurate because the accounts is not mines. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. 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 07/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Problems caused by my funds being low

Complaint: Bank of America had changed the term of my checking account to add a monthly fee for my account in 2015. After I had many weeks of disputes with them and finally contacted the CFPB when they charged not only the fee, but also an overdraft fee to my account. Subsequent to that discussion, BofA contacted me and told me the fee would be waived. They 've resumed charging the fee again this XXXX and have continued after I started putting direct deposits greater than the XXXX minimum limit previously set, and I 've now noticed that they 've set the requirement to greater than {$250.00} in one direct deposit. This practice is unclear and clearly intended to mislead consumers.

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 10/20/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Sent letter requesting validation of all claimed verification on credit report, no response was ever recieved

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (Credit card debt) with Messerli & Kramer P.A. (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Messerli and Kramer in XXXX, Minnesota are trying to sue me for a possible old debt which I do not remember. They claim it is a credit card and the bill is in my old last name, a name I haven't had since my divorce over 13 years ago.

I do not even remember this and do not even know if the amount is valid. They keep updating the date as if it is a new debt, raising the cost of it and threatening me to sue me at each new job I get. I was on XXXX XXXX due to raising XXXX kids myself and now finally off it but my take home pay is small due to health insurance. I have been a single mom these past XXXX years.

I called the company they are choosing to represent them ( Messerli and Kramer in XXXX  Minnesota a year or two ago for evidence that this is a true amount.

I don't remember borrowing or even qualifying for a XXXX XXXXredit card as my credit rating was low I stated that I need some statement to prove I actually had an account and how much I actually owed, for what. etc. They refused to provide that. They are about to try and sue me again. I have links to prove that they do illegal debt collection acts. I need help to get them to stop!

https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ http : //skibalaw.com/bank-of-america-fia-card-services-found-to-engage-in-unsound-unsafe-and-illegal-debt-collection-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 08/22/2015 about Student loan (Non-federal student loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I cosigned a loan for my stepdaughter with Bank of America. I went into Bankruptcy in 2011, but between my stepdaughter and I, the payments were made according to bankruptcy ( which BOA agreed ). The loan was turned over to XXXX who then turned over to a law firm in XXXX because they said we did n't make payments. Both my stepdaughter and I proved we were making payments. He instructed us to not make any more payments until they could figure out where money was going. Subsequently, they turned over to law firm in XXXX-who threatened to sue us for non -payment. My bankruptcy lawyer got involved and all the documentation was provided to show that not only were we making payments, but we were ahead of schedule. I talked to lawyers in XXXX XXXX and we came up with payment plan for rest of it ( which is paying faster than bankruptcy said we had to ). All both my stepdaughter and I want is this taken off credit report. It shows I 'm behind 120 payments and owe almost 5,000 dollars, when in fact made all payments on time ( except for the few months their lawyer told us not to pay ) and actually only owed XXXX dollars. None of the lawyers would help with the credit companies. I know student loans complicated, Im just asking for our credit report to be accurate Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Yesterday, I called my mortgage company, Ocwen Loan Servicing , LLC . that as of XXXX XXXX, 2015, I owed them $ XXXX and that I did not need to pay my mortgage for XXXX 2015. As of XXXX 2015, I received a notice from their company stating that I owed XXXX to cure the default by XXXX XXXX, 2015. First and foremost, I was not aware I was in default. I have never agreed to a forbearance or loan modification with Ocwen Loan Servicing. I sent a certified money order totaling {$800.00} on or about XXXX XXXX, 2015 ; and on XXXX XXXX, 2015 I wired {$1900.00} via XXXX to Ocwen. According to my records and calculation from the notice sent XX/XX/XXXX, I had satisfied the requirement to cure deficiency. I was told twice by customer service that I did not owe a XXXX payment however my balance is {$1300.00} for the month of XXXX 2015. I informed the customer service whose agent number is XXXX that this incorrect. XXXX XXXX, Ocwen 's agent, informed me that the balance included late fees and my escrow analysis ( which they have been tampering with by Ocwen ). As of XXXX XXXX, 2015. I do not owe Ocwen any fees or mortgage note. Ocwen is a " predator. '' They are preying on minorities, XXXX, and the poor. They are not in the business to " keep people in homes '' this a fraudulent statement ; they are in the business of adding as many fees to your loan in order to put the customer in default. They are/have destroyed dreams of being a homeowner, people are homeless because of their business ethics to benefit the CEO of this corporation. They are liars and you have the power to " REVOKE '' their ability to do business in this country. The loan modification process with this organization is DECEPTIVE and whomever designed the model for this company should be ASHAMED and ordered to go JAIL!!! 

Sincerely yours XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have 4 loans, they are reporting 6 loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I tried to disput info from my XXXX report. All the other companies fixed it no problem. Not only did they not fix it they deleted all my good credit, current and past. 17 years worth. I olve over the phone. Called them 9 times. Takes XXXX minutes to get a human on the phone. They say I requested it I ask for supervisor and wait another XXXX minutes. They repeat the first guy. I finally get XXXX supervisor that admits I did n't do it but they wont fix it. I have to call creditors which I do. They wont call XXXX like XXXX guy said. Not how its done. So again I call and I wait, Go through whole thing again and they keep transferring me to nowhere, Or the ohone just loops from XXXX recording to another. I call until they close, They refuse to return my imformation they deleted. Cost me over XXXX pts on my score. Now XXXX XXXX has returned the derogatory marks back to my report where the had removed them. No notice or reason why.

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 04/15/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Advertising and marketing

Complaint: On XXXX XXXX, XX/XX/2015, I was billed my annual membership fee of {$75.00} for my XXXX XXXX Visa Signature credit card issued by US Bank. I paid the fee due to the card 's offered benefits, including the Bonus Award night on award night redemptions of XXXX nights or more in the XXXX XXXX Rewards program. On XXXX XXXX, XX/XX/2015 the statement contained language indicating that this Bonus Award Night benefit would end on XXXX XXXXXX/XX/2015. Since I already paid the membership fee, I should be given this benefit until the end of the card membership year. US Bank has refused to refund the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is from XXXX originally. The amount in XXXX of 2010 was less than {$150.00}. 
It is now 7 years old, EOS XXXX has illegally changed the date.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: i have submitted my loan modification request with my penny mac loan servicing and there processing it, i was informed by penny mac that it looks like there is a possibility that i could be approved for some type of loan modification, but i need to give them or pay them XXXX % of back payments that were due in order to get a loan modification, not sure if this correct or not but i did n't think i would have to pay to get a loan modification, from the bank that has already received federal funding, i have the means to pay a modified payment but not large amount of savings to pay for a modification in order to stay in home

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Student loan (Private student loan) with SLM CORPORATION (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: When loans were presented by school was told after twelve consecutive on time payments co- signer ( s ) would be released. All promissory notes were electronic. Now that we have met the requirements they are refusing to release co-signer ( s ) & doing a run around on information. Original promissory notes are no longer available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Trouble during payment process

Complaint: My name is XXXX XXXX, the Mortgage account holder ( Loan # : XXXX ), with XXXX XXXX Mortgage. XXXX XXXX was formally named NationStar Mortgage until a recent name change, therefore all events initiated under the company name NationStar Mortgage which is now officially named XXXX XXXX Mortgage. I am writing in regards to an Investigation for POSTED UNAPPLIED MORTGAGE PAYMENTS, POSTED INTEREST PAYMENT REVERSAL AND PRICIPAL PAYMENT REVERSAL. Upon reviewing our mortgage payment history with XXXX XXXX Mortgage, I noticed several Posted Unapplied Mortgage Payments dating all the way back to XXXX. 
By Law, there should have been a Suspense Account set up for my Mortgage Account held with XXXX XXXX Mortgage and the Unapplied Mortgage Payments should have been deposited into the XXXX XXXX Suspense Account. 
I am asking a Resolution of the following : Unapplied Mortgage Payments, Interest Payment Reversals, FEES, AND Principle Payment Reversals to be either applied to our Applied as Future Mortgage Payments in the AMOUNT OF {$11000.00} or CASH IN THE FORM OF A CERTIFIED DISBURSEMENT CHECK FOR {$11000.00} :

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Bank account or service (Cashing a check without an account) with CITIBANK, N.A. (NY).
Issue: Problems caused by my funds being low

Complaint: I autopay my Citi credit card online and changed the bank account for them to withdraw the funds. I have an email confirming the new account change, yet the following month, Citi withdrew funds from my previous account, which no longer had any money in it, causing me huge fees and penalties! They refused to accept responsibility for their mistake and want me to pay those fees and penalties. I 've been trying to resolve this dispute for the past few weeks and they keep pointing the finger at my previous bank.

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 01-03-2017 about Debt collection (Medical) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by Fidelity Creditor Services in the week of XX/XX/XXXX about a debt from XX/XX/2013 from XXXX, the amount is {$520.00} and I have XXXX never got a mail or letter or anything from XXXX before. Fidelity Creditor Services has reported the debt to my credit without obtaining verification or validation and they are trying to collect the money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (I do not know) with Coastline Financial Resources, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX contacted my husband, my sister, and myself and told us that I had done something illegal and criminal and that they are going to serve me with papers and sue me. They advised that they are a litigation firm and that they are going to start legal proceedings. They have been advised to cease contacting my family and my self and they have contacted my family XXXX other times after they were advised of this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Bank ( WFB ) placed a hold on a {$2000.00} payment I made to my WFB HELOC on XXXX XXXX, 2015. WFB removed the hold. Then, on XXXX XXXX, 2015, WFB placed a NEW hold on this payment. I have complained in person and on the phone EVERY day to no avail. The payment is XXXX of XXXX payments I made from my XXXX account through XXXX Bill Pay between XXXX and XXXX 2015. I have never been late or in default on this loan in ANY way. I have NO mortgage or liens of ANY kind on my house other than this HELOC, which represents LESS than 10 % of its current value. I am afraid to make any more payments, but if I do n't, WFB will foreclose. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation