milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XX/XX/2015, this company offered me a new credit machine for my store. When they came to install the new machine, they could never get it to work. Eventually, I became tired of dealing with the issue, and I asked them to come pick it up. Even though the equipment never worked, they refused to pick it up and continued to bill me for a service that I never used. I just do n't know how they can continue to bill me for a machine and service that never was operational. I have repeatedly asked First Data to come pick up their machine, or give me instructions on how I can send it back to them. They never do. They just keep sending me bills, and reporting this account as a past-due account on my credit report. That is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (MI).
Issue: Settlement process and costs

Complaint: After Citi refused to honor my divorce decree and a quit claim deed by ( resetting ) my loan for the remaining years .Citi instructed me to refinance the loan While they figure out what 's going on. Citi went as far as to falsely put on my credit report that I was delinquent five months which prevented other lenders, from refinancing my home. The document that the court provided does not state that I followed the instructions of the lender and submitted the document for refinancing within the time line, several time I called the underwriter and finally he stated that my paperwork was in his drawer for 60 days and he was not doing anything with it he said it should have be foreclosed on a long time ago. Keep in mind that the 7 years that I had the balloon payment, I was never late and I continued to make payments a year after the note should have been reset. I saw in there consolidation report the question was asked ( has the contested title been resolved ) Why is it contested I am the first and only title owner. Is this the reason they want me to do a modification instead of the ( reset ) when I sign the note .Does this allow them to break the law. See XXXX and supporting documentation that the courts would not allow because of the summary judgment. What are my rights as a consumer, I followed all the instructions of Citi representative who instructed me on what to do.

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 09/15/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (NM).
Issue: Managing the loan or lease

Complaint: I have a " Personal Installment Loan '' through Rise Credit. I was recently educated on the Military Lending Act through a local agency financial counselor. 

Rise Credit 's interest rate on my current loan is outrageously high. Does the Military Lending Act not apply to them? I brought this up to them and that lenders have until XX/XX/XXXX to comply by lowering the interest rate to 36 % or under, and they said that the rule does not apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a XXXX XXXX XXXX credit card on my report that is mine. This account was paid and closed in 2013. There is a balance of {$18.00} showing on my report with a past due amount of {$17.00}. I have contacted XXXX XXXX XXXX and they have said that the account is closed and there is not an outstanding balance even thou I have showed them the report. I would like to resolve this balance but have no idea how I can when XXXX XXXX XXXX insists on the phone that there is n't a balance owed. The info reported by XXXX XXXX XXXX is showing me as past due and this is having a negative effect on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (I do not know) with National Principal Group, LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: T his company, NPG, has repeat edly called and harassed me and my elderly mother. They have called my husband. I called them twice and when I disputed the false claim, they hung up on me. They emailed me a docusign file and asked me for my credit card and banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have a business account with Bank of America and on XX/XX/XXXX they charged me a {$35.00} NSF fee for a {$9.00} transaction. When I logged into my business account there was a balance of {$18.00} which was enough to cover the {$9.00}. So when I logged into my account the next day there was a NSF charge for the transaction. 

I called Bank of America on XX/XX/XXXX and asked why was there a {$35.00} fee. The representative and the supervisor that I asked to speak to me told be that there was a hold on money in my account from XXXX and XXXX. He said XXXX had a hold on the money for 5 days. I asked them that if there's a hold on the money then why is it showing an available balance of {$18.00}? How am I supposed to know that the money is not available? The supervisor basically told me that it's my responsibility to know what is coming out my account. I was done with the supervisor and hung up the phone.

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 04-07-2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I am having a problem with Ocwen Mortgage Company of which my loan is managed. I applied for the ability to pay my own escrow per their instructions officially sent to me in the mail. I was denied. The XXXX points in their requirements to allow me to do this was:1. You have been current on your mortgage payments for the past 12 months. 
2. Your loan does not have a negative escrow balance or any other outstanding delinquencies. 
3. You do not have a tax or insurance payment due in the next 45 days. 
4. You do not have a force placed insurance policy. 
5. Your loan has not been modified within the last 12 months to include escrow. 
They also said that additional exclusions may apply, but Ocwen only knows those exclusions. 

After meeting all these requirements, Ocwen told me I had to have a loan ratio of less than 75 % of my loan remaining to qualify for escrow payments on my own. In other words I still owe more than 90.52 % of the outstanding balance on my loan and I can not be allowed to pay my own escrow. 

Another problem I have is Ocwen adjusts my escrow upwards every year even though I have an escrow balance at the start of 2015 of over {$1000.00}. 

Is this legal? Can they just nickel and dime me every year just for XXXX even though I live in a small town outside of XXXX XXXX, Kentucky. The city, XXXX XXXX, KY is not that big a city to have the taxes and homeowner 's insurance adjusted every year.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Wells Fargo Bank made unauthorized name change to all of my checking and savings accounts. They changed my last name on all of the accounts to my name prior to my marriage which occurred twenty years ago.

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 07/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Transunion 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Transunion provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX 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 03/31/2015 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: APR or interest rate

Complaint: I consolidated with Bank of America credit card. Due to the nature of XXXX of my loans ( it was a line of credit with my bank ), the consolidation was split into a regular credit card balance transfer and a cash advance. I now have two different % rates, and I can not pay the higher one off first. They are using a law meant to protect consumers against me. The promotional rate has long expired, so now I 'm stuck paying down a loan where the interest rate is killing me, and I ca n't choose to pay the higher one off first.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It is shown that the following agenc y,   XXXX   XXXX   XXXX    with an address of  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  phone number (  XXXX  )  XXXX , are not bonded in Texas and can not legally collect debt. They are active on my report as of  XXXX   XXXX ,  2017 in  the amount of {$190.00}.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 have sent several certified letters to Transunion ( XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Transunion still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor. On XX/XX/2018, I sent a letter to XXXX XXXX XXXX in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XX/XX/XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from them.

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 04/20/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: I placed a credit fraud alert on my credit report in XXXX or XXXX and people are still opening accounts under my name and using them and it 's affecting my credit score and I am being turned down or any and everything thing and it 's not fair my score was at XXXX and not its in the low XXXX 's and nobody is helping me people have applied for XXXX XXXX XXXX cards, XXXX XXXX cards, old navy, XXXX XXXX cards and XXXX personal loans, and tjx rewards credit cards when I already have cards with most of theses banks and theses were all recently and the somebody applied for a XXXX XXXX XXXX credit card like 2 weeks ago and I want all this to stop please there are XXXX credit incuires on my XXXX credit repot and only XXXX of them are mine the rest are fraud and then there is like XXXX on my XXXX report please please do something I am wanting to buy a house and a car and I ca n't and none of the banks will remove anything from my report I have called and called the banks and Amazon says I owe them XXXX dollars to when its fraud transactions and they not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2015 about Debt collection (Payday loan) with Solidus Group LLC. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Called and left a message saying that " serious allegations '' were being filed against me in XXXX XXXX in which I used to live. They continue to leave harrassing messages using different numbers frequently.

Company response to consumer: Untimely response
Consumer complaint received 01-02-2017 about Payday loan () with Ad Astra Recovery Services Inc (CA).
Issue: Can't contact lender

Complaint: AD ASTRA RECOVERY SERVICES is an in-house collections company owned and used by XXXX ( XXXX ) Unless I am mistaken, Payday Lenders are not permitted to report derogatory information to the XXXX credit bureau agencies They have reported information of an alleged debt to the XXXX credit agencies which, in turn destroyed my credit

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Creditors Validation letter to Receivables Performance Managment. I had my Personal Financial Consultant XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a XXXX Cell phone bill that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Receivables Performance Management. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be registered with the State of Texas in order to collect a debt in Texas. Receivable Performance Management is not registered with the State of Texas. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Receivables Performance Management. 
I have never open a joint account with XXXX in my name ever. This is a fraud account open and needs to be removed 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 12/26/2015 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: APR or interest rate

Complaint: I am being charged monthly for interest and there are no eligible purchases that warrant the interest charges. The only eligible interest charge was paid and reversed. I have made many calls and have been told different things by different representatives. Last month, I was told if I pay over {$70.00} towards my balance ( from a non-interest bearing balance transfer ) that I would clear any charges in the past that might be charging interest. I paid {$100.00} and I am still receiving the interest charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED 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 non-monetary relief
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXXThese accounts need to be removed asap I have filed police and ftc reports regarding this issue. Police ReportXXXX Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX complaint - case XXXX Fedloan Servicing Account XXXX I paid off a loan originated on XX/XX/2013 and it continues to accrue interest and payments. I received a XXXX answer from my XXXX complaint that was unacceptable. I need HELP resolving this issue or will need to hire an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Struggling to pay mortgage

Complaint: My XXXX Mortgage is an interest only loan that has adjusted out to {$3000.00} a month this mortgage is with XXXX XXXX Mortgage, Bank of America is the XXXX Mortgage. I owe more on my property than the market valve I need to get my payment on a fixed rate. I do want to keep my home

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 01/27/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In receipt of the latest correspondence from Wells Fargo Home Mortgage Return Mail Operations, dated XXXX XXXX, 2016. This is yet another attempt of calculated bullying designed by Wells Fargo Home Mortgage to begin the steps of credit ruin. The letter comes on the heels of my correspondence with XXXX XXXX, of the XXXX XXXX XXXX, NC Wells Fargo Branch. In which we sat down, discussed my concerns, made copies of my deposits and letters from Wells Fargo Home Mortgage. In an attempt to receive a definitive resolution, seeing that my point of contact XXXX XXXX ( XXXX ) XXXX, whom I contacted XXXX twice ), yesterday at XXXX and XXXX. In both instances I was unable to establish contact with XXXX XXXX. Additionally while at Wells Fargo XXXX XXXX XXXX, I made a deposit of {$1600.00}. All while XXXX XXXX phoned a Wells Fargo Home Mortgage representative directly while I sat listening. The letter sent to my home states that I requested mortgage assistance and that I must " Please Contact Us Right Away, Do n't Delay- Call Us Right Away! ". The tactics displayed by Wells Fargo Home Mortgage has now come to a point of unprecedented ridiculousness. I challenge Wells Fargo Home Mortgage to provide proof of myself requesting this assistance. Even through this back and forth of repeated letters and Wells Fargo Home Mortgage failing to request pertinent information, ie, receipts, deposits. The manage to attempt to flat out lie to gain the upper hand. Again PROVE that I requested this assistance, with either a phone call, email, written request, anything!!. This company is at the height of shame and sham, to falsify documents is AGAINST THE LAW!. This and other false documents will continue to be shared with CFPB and the CEO 's of Wells Fargo Home Mortgage, XXXX and all other agencies necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2016 about Credit card () with BARCLAYS BANK DELAWARE (DC).
Issue: Advertising and marketing

Complaint: I signed up for the Barclay XXXX Card because it was advertised to me as having " no foreign transaction fees '' for purchases made abroad. This was represented to me in writing multiple times. However, I recently discovered that the card applies a " foreign currency fee '' for all transactions abroad, although this fee is hidden and is simply incorporated into the amount shown on my bill without any separate line item. I have documentation that I have been charged these fees by Barclay 's customer service and their absurd distinction between a " foreign transaction fee '' and " foreign currency fee ''. The whole reason I got this card was so I could use it abroad and now they 're charging me a fee for using it abroad despite multiple written assurances that XXXX of the benefits of this card was no foreign transaction fees. I have used this card for multiple years, on mutilple trips abroad, all the while paying these fees without knowing. Cumulatively, this 1 % fee has cost me over {$100.00}.

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