milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband and I are receiving daily calls from Southwest Credit in XXXX, TX asking to verify personal information and saying that they want to collect debt. Because we recently received a mortgage, we have seen our credit records and have no unusual outstanding debt -- other than regular bills and credit cards. We do not want to receive any further calls from Southwest Credit. Because the phone numbers for the calls do not show up on our phone, we can not put this company on the Do Not Call list. And, the return call numbers that it leaves in our voicemail ( on different phones ) is not always the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/26/2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Credit decision / Underwriting

Complaint: On XXXX XXXX, 2016 I submitted an application for loan modification through my mortgage company OCWEN. I owe more on my house, so I ca n't sell it. Plus, I pay about {$300.00} out of pocket because my rental income does n't cover the mortgage. I sent every required document that 's listed on a checklist that comes with the application. Initially, they needed an additional few documents, so I sent them. Then the next week, they needed something else and was a different person ( I have never spoken with my so-called " relationship manager '' ) ; it 's always someone else that I ca n't understand and that knows nothing about my case. Then the next week and so on. Never at any point in time have they spoken with me about my application or have been organized enough to tell me everything they were missing at one time so I could provide them with what they need. Another example is that they required my banking statements to be within 90 days of the application. Mine were valid, but they expired because OCWEN continued to " need additional documents ''. Today, they said that they needed rental income verification, which is a tax document and that amount is listed on the tax return. The caller on the OCWEN end had no clue what I was talking about. It 's as if they do NOT want to help me. Am I even talking to people in the banking business? My private information is out there ( and my husband 's ) and I 'm terrified. I am just trying to make a tough situation better and I want to document this somewhere in case they try to make me foreclose ( i 'm making my payments ). As a consumer, I have no control over anything and OCWEN knows this. I am at the mercy of this company that has been in trouble for their dishonesty once already.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I wrote to the federal courts to ask them when and what did they report to transunion about bankruptcies report on my credit report. Received a letter back from the courts stating that they do not report and thing to the credit bureaus and they do not verify and thing to any one that could possibly be reported on my credit report. Upon disputing the XXXX bankruptcies reported on my credit report i received a letter from transunion stating that they verified each bankruptcy and there is no change.

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 12/18/2016 about Debt collection (Medical) with AMCOL Systems, Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I just found that the debt was fowarded to collections. I have not been notify prior to that. 
It is that wasy to destroy someone credit that way I have a HSA that allows me to pay my medical bills upfront This is just ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: Bank of America called me and told me that I qualified for a quick and easy " HARP '' refinance. My mortgage is $ 100k. My home appraised at 900k. 
I submitted all documentation to the loan agent who never processed the paper work. Three months later, I have yet to speak to BofA and have processed a new loan elsewhere. Seriously disappointed in the level of service after being a loyal top 1-percenter for over 30 years. The Bank of America team, has been dishonest and fraudulent. I dealt with XXXX, XXXX at XXXXXXXXXXXX, XXXXXXXXXXXX XXXXXXXXXXXX ; XXXXXXXXXXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Medical debt) with Budget Control Services, Inc. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Budget Control svcs Derogatory marks from unknown sources Inaccurate information added to my credit report with out my knowledge Dispute charges for unknown collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Trans Union continues to list a, " Bankruptcy '', on my credit report which in fact is not correct. Please view the screen shot of another agency and they report, " Never Have filed Bankruptcy ''. I have asked them to correct the listing Via their web portal, but appears that they are issuing auto robotic responses that state it has been confirmed. How can it be confirmed if it never happened? 

Also, I think the time of the listing is past the 7 year allotted time. I am trying to qualify for a home loan and this is seriously damaging my ability to be able to qualify and it is incorrect to start with. I greatly appreciate your efforts. 

This is the screen snip from the XXXX reporting agency that states that I have not Bankruptcies, and shows the only negative reporting item is a Lien that I am in the processing of settling, that is mine. 
Thank you again for your help. 

I will uploaded as a document to show this.

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 12-08-2017 about Money transfer, virtual currency, or money service (International money transfer) with Remitly, Inc. (OK).
Issue: Money was not available when promised

Complaint: XXXX XXXX XXXX, {$1000.00}. I initiated a {$1000.00} transfer through remitly, which was promised to be delivered to my XXXX bank account on XXXX of XXXX XXXX. I received numerous emails asking for SSN, passport copy and Driver 's license and even after providing that and following up with them more than 3 times through their customer service, the money was not transferred at all. Finally I had to cancel the transaction. Dealing with them has caused me frustration, time loss and opportunity loss, since I had to make this money available to my friend who was in need. On the other hand, the customer service representatives or the company 's system/people who approves the transaction was not even apologetic for their action/delay.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: I began receiving mail from USAA Bank confirming the establishment of my new XXXX XXXX XXXX XXXX account. These mailings included account numbers, amounts, membership cards with account numbers, account disclosure statements, etc. I contacted USAA to inform them that I did not, and have never, dealt with USAA - and I was repeatedly transferred to different departments until the call was dropped. I was repeatedly told that they ( USAA ) could not discuss the account with me because it was " restricted ''. USAA possesses all personal information for both me and my wife - I do n't know how they came into possession of this information and they will not discuss anything with me - even though they have allowed this account to be established. FDIC is their regulatory authority and I can not understand why this account was opened in my name without proper due diligence ... .rules state that proper identification must be obtained prior to opening an account. See XXXX XXXX for Banks, XXXX ( a ) ( XXXX ) Customer Identification Programs for banks, etc. I would like to pursue punitive measures against USAA Bank and XXXX XXXX, CEO., USAA Bank XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have contacted Transunion 3 times to change my address and update it and I have faxed them 3 times with the required documents regarding my new address and with a copy of my id card attached with proof of my address and they still will not give me my credit report or change my address on my account I have done all I can to give them proper documents please help me

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I dispute all unverifiable transactions contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX by XXXX XXXX summary disclosure. 

As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or  application. 

Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Consumer Loan (Vehicle loan) with CarMax, Inc. (AZ).
Issue: Problems when you are unable to pay

Complaint: I have a loan with CarMax. I am currently behind on the payment and have made payment arrangements through their online system to bring the account current. CarMax continues to call me leave messages and the call back again. They continue to first leave a message and then call back later in the day and not leave a message on the same phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: In a letter dated XXXX/XXXX/XXXX, XXXX XXXX, Loan Adjuster, Recovery Department, Wells Fargo Education Financial Services, agreed to accept my payments of {$350.00} per month to satisfy XXXX private student loans that were in default. I 've attached a copy of that letter. 

Since then, in accordance with that agreement, I have paid {$350.00} every month, mailed to the address specified in that agreement. Although I have made every payment under that agreement ( until this month ), I have never received any statements or other information from Wells Fargo to tell me how my payments were applied and whether the balance is being reduced. 

Wells Fargo accepted my agreement. My payments within this agreement should have brought me current and should have cured any default. Instead, I recently discovered that the loans were " charged off '' XX/XX/2016. This charge-off is severly damaging my credit rating. 

I believe I have been deceived and that Wells Fargo has breached our agreement. I have been making good-faith payments, but now I 'm not sure if they 're going to the correct entity or if they 're being honestly or accurately applied.

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 12-12-2017 about Debt collection (Credit card debt) with GMA Investments, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX, XXXX at XXXX, XXXX from XXXX XXXX called me and left a message that he had left numerous messages for me. That is false. He also tried to call other people who he thought might be related to me. These people have told XXXX at XXXX XXXX  on XXXX XXXX, XXXX to not call them again looking for me. XXXX told the people that he called looking for me that I gave XXXX their phone number. That is a false statement. 

This company calls my home phone and cellular phone 10 plus times a day and does n't leave messages. The calls start at XXXX and do n't stop until XXXX. 

The telephone numbers for XXXX XXXX  are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, California per caller ID. 

They are not the original creditors.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Problems caused by my funds being low

Complaint: Over the past couple of years, Wells Fargo has charged my account numerous overdraft fees using the 'highest to lowest ' method of accounting. With my account not having a sizable financial cushion ( as my family live on limited means ), this practice has caused serious financial distress. Every now and again, they will refund a portion ; however, they are viewing this as 'giving ' me money back. The last set of overdraft fees was on XXXX/XXXX/2016 : a direct deposit was scheduled to go into my account, but some drafts we presented the same night. Per my online statement, the dates for the transactions were the same, but the deposit was accounted for LAST. The deposit was more than enough to cover the incoming drafts with a little to spare ; but because of the way the accounting was handled, they charged me {$140.00} in overdraft fees. Over the past 18 months, I have been charged over {$4200.00} in overdraft fees! Some of these fees include {$12.00} per transaction when money is transferred from a " Way To Save '' account that is linked as an overdraft account to my primary checking account. The purpose of this overdraft account is to prevent ... OVERDRAFTS! But yet, I have been charged {$12.00} per transaction to use this service! Unfortunately, the last time I called the customer service line at Wells Fargo, I was pleading with a CSR to see if anything could be done to reverse some of the recent fees. While I was mid sentence, he transferred me to another department, without saying a word, adding insult to injury!

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 10/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian continues to damage by reporting an unverifiable & possible fraudulent acct. They just completed another investigation on my credit & I 'm truly confused how they 're verifying the following information ... XXXX is reporting on my credit. I 've sent over 5 letters to Experian requesting how they verified the information as I 've contacted the company twice & have received nothing from them. Additionally, I have no signed contract or agreement so I 'm curious as to how they 've verified the account. I 'm attaching all the correspondence which I sent to all parties. It has now been over 9 months since I first started disputing this account. It 's time that they do their job & remove it for lack of any verifiable proof. Lastly, I believe the company is trying to collect on an account which was already paid or covered by insurance but they did n't file the proper documents to get paid so they thought damaging my credit would get them paid. I have no records of this company nor do I think any exist. And since I 've never signed an agreement with them I believe it 's a fraudulent claim & could do n't be verified. I need it removed at once or I will be seeking a legal remedy.

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 03/15/2017 about Bank account or service (Other bank product/service) with MB FINANCIAL, INC. (IL).
Issue: Deposits and withdrawals

Complaint: I visited the MB branch in XXXX on XXXX and XXXX XXXX on Monday, XX/XX/2017. I am a XXXX representing a XXXX and I needed to go there to deposit money for the XXXX XXXX XXXX XXXX. The XXXX has a partnership with MB Financial Bank to assist with our counting and depositing of coins, dollars and checks from my XXXX. However, my experience was not pleasant. In particular, I had interactions with XXXX XXXX & XXXX XXXX, two of the tellers at the aforementioned location. Here is what I experienced with these two individuals : 1. Neither employee claimed to have any knowledge of said partnership with my charity. Furthermore, they did not make any attempt to familiarize themselves with my situation. 2. I asked them for a cart to transport the 30+ boxes of coins from the trunk of my car. They reported that they did not have any such cart/dolly. 3. I asked them to help me transport the boxes then ; they said 'no. ' They told me I had to carry the boxes " one by one '' from my vehicle. 4. I was denied access to their coin counting machine. 5. There are no phone numbers for individual bank branches ; let alone specific employees. 6. My overall experience was that these particular employees were rude, unprofessional, and made no attempt to accommodate me. Very disappointing & disturbing to be treated this way ; my only purpose to frequent their establishment was for the purpose of charity & I was not helped at all.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian is reporting incorrect personal information. 

Inaccurate names : XXXX XXXX XXXX XXXX ( there is no space in my name, please delete ) XXXX ( there is no space in my name, please delete ) XXXX ( name spelled wrong, please delete ) XXXX XXXX ( last name incomplete, please delete ) XXXX XXXX XXXX ( last name incomplete, please delete ) XXXX XXXX XXXX ( last name incomplete and there is no space, please delete ) XXXX ( last name incomplete, please delete ) XXXX ( name incomplete, please delete ) XXXX ( there is no space in my name, please delete ) Inaccurate Addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY 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