milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2015 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A letter was sent to my place of employment, that was a false court document, asking to.garnish my wages.They wanted banking information, and social security number information.They put my job in jeopardy by doing so, on top of the humiliation I had to face at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX I was sent a notice of collection from resident collect, Inc. that I owed XXXX from XXXX which I moved out from on XXXX XXXX 2016. A few days prior to this notice, I received several move out statements from XXXX XXXX with misleading charges. On XXXX form I 'm being charged a higher rate for the replacement of carpet and vinyl flooring. While on a XXXX form it list charges to replace the carpet and vinyl flooring at a combined price for much less. I spoke with XXXX concerning these charges and they say it amounts to the same charges which it does not. I was also charges for the replacement of vinyl for the entire flooring in the kitchen although I only cause minor scratches to a portion of the flooring. I was told that the entire flooring must be replaced. Another section of the vinyl flooring was damaged by water due to the negligence of the apartment maintence by not cleaning out the drains for the washer machine connections. Several maitnence calls were placed to correct the drainage issue as well. In total, I have three different total for the same damage and requested a dispute of these charges. Instead, resident collect reported this incorrect debt to the XXXX credit reporting agencies without acknowledging my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We had received an approval for a short sale with GreenTreeXXXX the buyer did their inspection and issues came up on the report. I alerted my closer at GreenTree ; XXXXXXXXXXXX, about the property report, and the buyer wanted a reduction in the price to cover the repairs ; and he told me that XXXX will not reduce the purchase price so I need to close with the approval I had. I contacted XXXX and they asked that I forwarded the property report to the servicer and they will forward my request to them to review it. I emailed me : XXXXXXXXXXXX, the reports and the addendum asking for a reduction in the purchase price. The closer XXXX XXXX, refused to forward the email to XXXX. I requested multiple times and my request went in vain. I decited to circumvent the servicer and email everything XXXX. This was when I received an email XXXX that my file wad cancelled in GreenTree negation system XXXX went ahead and reduced the Value to XXXX less although GreenTree refused to submit what XXXX had requested. This seems to be a practice of GreenTree to force you to close. I need my file reopened so I can close on this sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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 do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX XXXX XXXX XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX Status makes no sense, delete this immediately : Experian and XXXX : closed/XXXX : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that Experian and XXXX report a monthly payment of {$0.00} while XXXX reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX $ XXXX {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX $ XXXX {$68000.00} XXXX due : Experian and XXXX $ XXXX {$0.00}

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
Consumer complaint received 04-06-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015, I received a phone call from my Bank of America case representative in regards to my complaint about receiving an incorrect XXXX tax form. The Rep XXXX XXXX stated that BOA reviewed my interest payments and my XX/XX/XXXX XXXX form was indeed correct. I told her she has been misinformed and she was incorrect. She kept going on about a partial claim which has nothing to do with interest paid. She advised me to wait on the paperwork she was sending via mail with the breakdown. However, I informed her I already received a breakdown from BOA regarding my payment and interest transactions on XX/XX/XXXX. In that document it shows each monthly payment and interest paid for XX/XX/XXXX which totaled in {$10000.00} of interest paid for XX/XX/XXXX. Now if this document was sent to me by BOA themselves, then how are they now contradicting themselves and saying the original XXXX of $ XXXX is correct? 

Instead of the representative listening to me and awknowledging the fact that i didnt need to waste time waiting another week or more since I already received a breakdown from BOA, she just totallly dismissed me. I 've attached the interest breakdown from BOA 's own documentation they sent me from the cited case number as well as the incorrect XXXX form. This needs to be taken care of immediately as it ia almost the deadline for taxes and I have been dealing with this since early XX/XX/XXXX!! 

In addition to this matter, I have not heard anything on my dispute of the cited case number regarding the " missing payments '' that BOA XXXX XXXX, on behalf of XXXX XXXX stated the cited case numbers response to me. I supplied documentation prooving that I never missed a mortgage payment except when BOA directed me to. I have attached those documents as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Debt collection (Medical debt) with Sequoia Financial Services (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My name is XXXX XXXX XXXX and in late XX/XX/2013, I was involved in a car accident. The accident was the fault of a XXXX XXXX, who had XXXX me. I was XXXX  after the accident and taken to the nearest hospital, which was XXXX XXXX. 

From my understanding, the driver 's insurance very minimal and at the time I did not have insurance, so the cost of the hospital bills were not able to be fully covered. 

The reason I did not have health insurance at the time was because I was working one job for minimum wage and going to school and could not afford it. 

Months after the accident, I was sent bills from a collection agency called Sequoia Financial Services for XXXX XXXX. The bills were for the amount of approx. {$25000.00} and have been collecting interest, I imagine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid off the collection in full. The company never deleted the collection record from my account as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Managing the loan or lease

Complaint: I called on XXXX/XXXX/15 to pay off a loan I received on line on XXXX/XXXX/15. I wanted to pay off the loan using an increase I received on the credit limit of a credit card. I was told the company does n't accept credit card payments above the amount of the monthly payment. When I asked where it states that in the contract, I was told it does n't. That 's just company policy. Had I been told this, I would have forgone the loan. I believe this is Inadequate loan disclosure. It 's unfair business practice to change a contract that is in writing, without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (MI).
Issue: Problems caused by my funds being low

Complaint: An unexpected charge hit my account on XXXX along with XXXX other expected transactions. I checked online before making the transaction and my available balance was enough to cover the XXXX transactions I put through. TCF then charged me XXXX overdraft fees over the XXXX transactions. Had the XXXX transaction not been applied to my account I would have had sufficient funds to cover the other XXXX transactions. I contacted customer service about this issue and they stated that there was nothing they could do. I told TCF bank I would be filing a complaint and they reversed XXXX of the overdraft fees. I have had problems with overdraft fees before ; on multiple occasions I have been told overdraft protection was turned off only to have a transaction slip through anyway. I have repeatedly asked to have overdraft protection removed from my account so this would stop happening but they keep re-enabling it without notifying me or getting my permission. The XXXX transaction should have been declined, instead TCF allowed it to post and then stacked overdraft fees on top of it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: had been financed for a medical procedure when i was XXXX. all debts had been paid off, but the medical office made a mistake and sent my account into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease

Complaint: I had an accident XX/XX/2014. The car was totaled. I contacted Chrysler Capital to find out how to handle the balance left over. I was told that there was n't anything due at the time. I tried several times to take care of this. I kept getting the same response. I moved in XX/XX/XXXX. Months went by and I did n't hear anything. Then I went to buy another car and the Chrysler account is reporting inaccurate information. I sent a letter to see if I could get this straightened out, but have n't received a response. I will pay the money I owe ( minus late fees ), but I would like the reporting to be cleared up. If I was given a total when the claim was completed, I would have paid it then.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Settlement process and costs

Complaint: Entered into a short sale 1 month before the seller declared bankruptcy. A {$170000.00} judgement from default of a business loan. A third lien holder was assigned to the home. After the dust settled and with consent of the sellers we provided a HUD-1 to the bankruptcy trustee to move forward with the sale of the house. The cost of the house {$800000.00}. The HUD-1 represented the payoff to XXXX and XXXX mortgage holders and {$25000.00}. for removal of the lien from the judgment. This appeared to allow the short sale to move forward. Because of the HUD-1 showed funds that would be available for her creditors. The trustee petition the court to hire an attorney, then used our HUD-1 to file an adversary case ( XXXX ) to remove the judgment. After nine months we expected a revised HUD-1 with the trustee as the third party to develop and move forward with the short sale. To everybody 's surprise Nationstar the senior lien holder changed the price of the house and increased it by {$90000.00} which was way out of align with the value of the other homes. Nationstar has around {$750000.00} payoff. You could ask yourself why does n't Nationstar sell the house and just take what 's owed. Four months, after trying to negotiate a sale, we were told that Nationstar is like a bank. Unlike a real bank that requires to have percentage of cash in its reserves Nationstar uses the asset as the reserve. If the house was bought buy the previous seller at {$1000000.00}. the bank looks at its book value and compare is liability. They are {$250000.00} into the money. Immediately this property became a valuable asset to their portfolio. Nationstar uses advances through securitization of servicing agreements. Unlike XXXX and other banks Nationstar business is building a portfolio of performing assets. Nationstar had acquired a lot of properties in the last 2 years. The regulatory agencies have n't caught up. As far as this short sale is concerned Nationstar over stepped by misrepresenting to the Bankruptcy court. What 's in it for me. I am half of the HUD-1 the buyer. Half of that government document is me and Nationstar used it to remove a judgment for their own financial gain. I just wanted to buy the house.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We have received another scam letter fro m Hunter Warfield, claimin g they are attempting to collect a debt for a company we 've never encountered and an amount we 've never owed. I am well aware how these organizations work in attempting to purchase debts from creditors, manipulating people with similar names into believing they owe a debt that is not their own, and harassing said people until they give in and pay a debt they do not owe. I will not stand for this again! Companies like this should be taken down by the government for their deceptive and shameful acts of extortion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We/our client have been unsuccessful in a loan modification process that we have been attempting since XXXX 2015. We have submitted each and every request to Bank of America to no avail. We have provided documentation each and every time it has been requested and can not seem to get confirmation of documentation ( because there is an active cease and desist on the file due to litigation ) along with opposing counsel continually requesting the same documentation over and over only to consider they are not forwarding to their client 's for review. Our translation of the guidelines support that we are to have a dedicated individual reviewing the documentation and open communication re : same. Litigation is still continuing and we are not getting anywhere with the review.

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 03/18/2016 about Consumer Loan (Vehicle loan) with Go Capital Holdings, LLC (LA).
Issue: Managing the loan or lease

Complaint: My vehicle was repossessed last Saturday XXXX. Full disclosure, this is the second repossession and the first was in XXXX XXXX. I redeemed the vehicle shortly after and have made every payment ( sometimes early ) which means I am NOT in default. According to my contract, my payments are due on the XXXX of each month. XXXX, XXXX, XXXX, and XXXX have all been paid. XXXX will be due soon. I am not understanding why my vehicle is gone. 
Let 's say I was in default, which according to my recent payment history i am not, according to my attorney, Go Financial illegally and wrongfully repossessed my vehicle. Below you will find the act according to Louisiana Law. 

Effective XXXX XXXX, XXXX, Louisiana 's Act 191 ( " Additional Default Remedies Act '' ) and Act 814 ( " Notice of Repossession '' ) permit a " secured party '' or " a lessor '' to take possession of collateral without judicial process provided : 1. ) the Security Agreement, or lease, contains the following specific wording : " Louisiana law permits repossession of motor vehicles without judicial process '', 2. ) prior to taking possession, a notice of intent is sent to all debtors, in writing, containing the specific wording : " Louisiana law permits repossession of motor vehicles without further notice or judicial process '', 3. ) a " payment '' default exceeding 30 days ( monthly installment contracts ) or 60 days ( weekly or bi-weekly contracts ) I never received a notice letter of intent. Because I was not 30 days behind. 
Nor can Go Financial show where I was 30 days behind. 
In addition, after the vehicle was taken, I contacted Go Financial. They gave me the recovery company info. After speaking with them, they asked if I would mind if I could meet up with the driver to sign a self-help vehicle surrender form which obviously needed to be signed beforehand. 
I am also in the process of filing a suit because I have lost a significant contract with a client worth $ XXXX. 
Lastly, I am requesting correspondence via email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have disputed several incorrect address with Experian several times. Experian is saying that they can not remove the fraudulent addresses because companies are reporting these addresses. I have never lived at these addresses and Experian is violating the FCRA by reporting these addresses for me. Please remove the attached addresses.

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 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX HAS A AMOUNT ON MY CREDIT REPORT THAT DATES BACK TO 2008 -- BY LAW SHOULD OF BEEN REMOVED AFTER 7YRS. WHY IS IT STILL ON MY C/R?? -- XXXX SOLD MY ACCT. TO MID-LAND CREDIT -- -MID-LAND CREDIT DELETED MY ACCT. WHY IS THIS ON MY CREDIT REPORT?

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I discovered there were billing issues with XXXX merchants. Customer service assured me the balance would receive a credit and my new invoice would reflect that change- This did n't happen and I was erroneous reported late. This needs to be reversed and corrected.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: In early  XXXX ,   XXXX   XXXX   XXXX   attempted to pull my credit report thru Equifax but was unable to due to a security freeze. I wrote to Equifax to explain that I could not locate the 10-digit PIN and provided them with all of my PII along with a copy of my pay stub, driver 's license, and utility bill. Equifax responded on  XXXX / XXXX /17 by requesting all of the Info I had already provided AND the 10-digit PIN. I replied with my original documentation along with some extra docs for good measure and Equifax charged my credit card {$5.00} and responded on  XXXX / XXXX /17 confirming that they had permanently removed the freeze.   XXXX   XXXX   XXXX   tried to pull my credit report again today, but they could not. I am trying to obtain a car loan, but obviously ca n't until the freeze is removed. I 've called multiple Equifax phone numbers but have never found an option to speak with a person..

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Medical debt) with I.C. System, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have in my XXXX XXXX collection account from I C SYSTEM and I already call the collection company and they said, he cant find nothing in my name or social number, when I tell the person in the IC SYSTEM I have this debit colllection he said he cant take off from m report credit because he cant find anything about the debit account, in my name or social security and I want discharge this because not body know anything from this 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 05/16/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I get phone calls at home and on my cell as well as my wife 's cell sometimes hourly. I asked them to stop. They then call from another phone number.

Company response to consumer: Closed with explanation