milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Debt collection (Medical) with United Consumers Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My husband and I owe medical bills. I assume they are a legit debt collector but maybe not. I live with my Mother and I 'm her caregiver so it 's her landline phone. We are financially strapped and this company who shows up on the phone is called UCI. They have called for quite sometime and will not stop. My Mother is not in good health and it 's beyond annoying when they continually call almost daily. I told them today once again to stop calling. We can not pay the bill and I 'm not even sure if their scammers or not. I have XXXX phone numbers they call from. They are harassing us and I want them to stop. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (HI).
Issue: Settlement process and costs

Complaint: I refinance my home on XXXX XXXX, 2016. Loan was with XXXX. XXXX transferred my loan to Freedom Mortgage on XXXX XXXX, 2016 even though they had received a payoff demand letter from my lender and I had called them to inform them that I was refinancing and it would close on or about XXXX XXXX, 2016. Meanwhile, there was also an insurance claim check for water damages to my home for {$7000.00}. XXXX transferred my loan, the insurance check and the payoff check all over to Freedom Mortgage when I had refinanced with XXXX Bank. XXXX had received the payoff demand letter and I had called them. I have been fighting with Freedom Mortgage since XXXX XXXX, 2016 to get this corrected. Now Freedom Mortgage has kept my {$7000.00} insurance claim money and charged me {$6000.00} in interest for a loan they never should of had to start with. I have been trying to resolve this now for almost 4 months going on 5 months. All I get is the run around and I am frustrated beyond words.

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 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. ().
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 'm a XXXX XXXX XXXX in XXXX and I was n't able to submit an electronic request for my credit report from my country of service. I had a friend in XXXX navigate the website for me while I was skyping him and we could n't get through the security questions for Experian and XXXX. None of the questions they asked applied to me and then I was blocked from getting their credit reports. When this happened I was told to submit a written request for my credit report with identification and a current bill. I had my mom, who has power of attorney for me, send in the form with my identification and a note explaining that I am in XXXX and have no current bills and they refused to send her a credit report on the basis that she is a third party and that I could n't provide a current bill, of which I have none. 
If there is incorrect information on these reports from Experian and XXXX, this is the XXXX time they will have negatively affected me. I have student loans coming my way that depend on a good credit check and if I ca n't get them, I ca n't go to XXXX XXXX. 
I am a XXXX so I literally can not afford to be calling all the time, especially when this should be a simple task. My email is in my contact information and I want you to only contact me that way unless you want to take charges for international calling.

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 09-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have requested debt verification of this debt and have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was in the process of doing an FHA streamline refinance that would have saved me significant money on my monthly payment. Towards the end, we were working with Lakeview Loan Servicing LLC to order a payoff. 

Lakeview stalled my originating lender by over 1 week in getting a correct payoff. My lender requested that my impound account be netted towards the payoff, which would reduce my cash to close by {$XXXX}. At the last minute, XX/XX/2018 after a lot of effort on behalf of my lender, they relayed the news that they would not do a netted payoff. 

This made it so that I had to come in with an extra {$XXXX} that I did not have, and I had to cancel the loan. My lender is willing to re-attempt this next month or anytime in the future if we can get a netted payoff. But if we can not, Lakeview has made it unnecessarily difficult to complete my refinance, which would have saved me over 10 % on my monthly payment. Additionally, this is egregious because since my loan has started, rates have gone up on average by 1 % - which makes an FHA streamline not doable. Therefore, I may lose out on savings for the next 29 years of my loan, because of Lakeviews unwillingness to have client centric policies in regards to netted payoffs!

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 11-10-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Problems caused by my funds being low

Complaint: i put a check into my account on XXXX XXXX,2016 i made a few purchases all the amount is accounted for yet Suntrust Bank still charged me XXXX over draft fees every time i put money in there they hold the money extra long then charge me a fee even if when i had not over drawn this is a copy of my statement pay close attention to the dates and how they take the money XXXX RECURRING CHECK CARD PURCHASE XXXX XXXX NY - {$14.00} XXXX RECURRING CHECK CARD PURCHASE XXXX XXXX CA - {$16.00} XXXX POINT OF SALE DEBIT XXXX XXXX XXXX {$110.00} XXXX POINT OF SALE DEBIT XXXX XXXX XXXX {$50.00} XXXX POINT OF SALE DEBIT XXXX - {$7.00} XXXX POINT OF SALE DEBIT XXXX XXXX - {$9.00} XXXX POINT OF SALE DEBIT XXXX - {$20.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$36.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$16.00} XXXX XXXX - {$36.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$9.00} XXXX XXXX XXXX - {$36.00} XXXX DEPOSIT {$400.00} XXXX CHECK CARD PURCHASE XXXX*ONETIMEPAY XXXX FL - {$130.00} XXXX CHECK CARD PURCHASE XXXX*ONETIMEPAY XXXX FL - {$200.00} XXXX CHECK CARD PURCHASE XXXX XXXX CA - {$160.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX MD - {$14.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX # XXXX XXXX MD - {$58.00} XXXX CHECK CARD PURCHASE XXXX XXXX NJ - {$7.00} XXXX CHECK CARD PURCHASE XXXX XXXX NJ - {$17.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX - {$10.00} XXXX ATM DEPOSIT {$230.00} XXXX ATM DEPOSIT {$1.00} XXXX ATM DEPOSIT {$15.00} XXXX ATM DEPOSIT {$1.00} XXXX ATM DEPOSIT {$10.00} XXXX ATM CASH WITHDRAWAL XXXX XXXX XXXX XXXX XXXX MD - {$80.00}

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 monetary relief
Consumer complaint received 07-03-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Bank of America Closed our account because they said we deposited fraudulent check. We did not. We went to XXXX and got a letter from the bank proving the check was good. When we did, they said the check was cashed. BofA said they did not at first and even if they did they could keep the funds because of fraud.When we went back with proof they said " we do n't want your kind of business and your account is closed and if there are any funds we may mail them back to you. And hung up the phone. I have been disconnected 3 times now trying to find out what is happening. XXXX. This has been going on since XX/XX/XXXX. We asked to file a complaint and was told there was no one to complain to and it was finial. Check amount was for {$1400.00}

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 monetary relief
Consumer complaint received 11/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I have completed successfully XXXX trial loan modifications with Wells Fargo/ASC on loan number XXXX an Investment property. 
We also completed XXXX trial payments on another Separate Wells Fargo loan number XXXX. Wells Fargo said they would not modify these loans if the liens were not addressed. 
These liens which the Wells Fargo Home Preservation specialists provided us with were cleared. 
In XXXX 2015 Wells Fargo modified loan number XXXX, but they have refused to modify this loan number XXXX. They want us to pay off the second lienholder or have them subordinate the lien. 
The second lienholder has modified their loan twice but Wells Fargo said they will not modify the loan. Our even speak to the Second lienholder who agreed to work with me if Wells Fargo contacts them. I have no single point of contact at Wells Fargo, I keep getting letters but when I call in to Wells Fargo I am transferred from person to persons who keeps telling me to send in documents or call back when I get my second lienholder to subordinate the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Debt collection (Medical) with Navient Solutions, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX I was a patient in XXXX XXXX Hospital in XXXX XXXX, Texas. At the time I was a student at XXXX XXXX XXXX, which I obtained insurance through my tuition. My insurance had taken care of my doctors visit/hospital stay. Now 8 years later ( XXXX ) Pioneer Credit Recovery is calling my work stating they are going to garnish my wages for these past due debts that I supposedly have from that previous hospital stay.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 05-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Trans Union is blocking my credit report, i have contacted them repeatedly and they refuse to fix that, all they do is transfer me to another representative. i have been calling for over more than a month, so I they 've had plenty of time to contact me. No matter how many times I call they do the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX still reporting several fraud account after numerous disputes filed with the credit report on accounts for XXXX {$1300.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX XXXX {$330.00}

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 non-monetary relief
Consumer complaint received 02/19/2017 about Credit reporting () with Southwest Credit Systems, L.P. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an account from XXXX on my credit report that I disputed because it is 8 years old now. XXXX found in my favor and removed the negative account from my credit report. XXXX dispute somehow says that the debt is still valid. Somehow after 8 years, XXXX is still renewing the date on this debt and it 's still reporting the last being in XX/XX/XXXX. How can XXXX keep reissuing the date of this debt as of it is new when the original date was in XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (I do not know) with Total Card, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I CAN NOT BE BOTHERED WITH THESE PEOPLE. THEY DO NOT HAVE THE RIGHT INFORMATION AND FOR SOME REASON THEY DO NOT UNDERSTAND AND HAVE STARTED TO REPORT ON MY CREDIT I SENT A CEASE AND DESIST ORDER TO HELP BUT IT SEEMS TO HAVE FAILED IM STILLING RECEIVING CALLS AND ITS STILL ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Billing statement

Complaint: On XXXX/XXXX/16 I made payment in full on my Citibank XXXX XXXX credit card. Today I logged into my Citibank online account to get a copy of the statement showing that my balance was paid in full. To my surprise, I could download the XXXX statement, and the XXXX statement, but not the XXXX statement on which my payoff transaction would appear. I used the bank 's online Live Chat feature to contact them about the problem. Their representative, XXXX, stated that they do not provide statements when the account has a zero balance, so no statement was generated for XXXX 2016. I pointed out that I had made a large payment during that statement cycle, so there was a transaction on the account, & even though the ending balance was {$0.00}, the starting balance was not {$0.00}. I should therefore receive a statement for that month, which did have some account activity, as proof of my payment and of my zero balance due.

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 02/17/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed an incorrect collection that had been submitted against me from XXXX XXXX for 6 months now. I had disputed it as soon as it appeared on my credit report which I was alerted by XXXX. I called XXXX and submitted a dispute against this collection as well as the other XXXX XXXX and Equifax. I had submitted various disputes against that collection with XXXX and Equifax and both came with results that the collection belonged to me. I was not challenging the fact whether or not it belonged to me I was challenging the fact that it was a Medical bill that had gone unpaid by XXXX. I explained to all XXXX bureaus that this bill pertained to a No-Fault accident that I was involved in. I was the passenger of the vehicle that was struck from behind. The vehicle I was in was insured with XXXX and the vehicle that struck us was insured with XXXX. My motor vehicle accident took place on the afternoon of XXXX XXXX, 2014. I had made my attorney aware of the bills and submitted it to them. I also made them aware that XXXX collection was contacting me and threatening that if I didnt pay I would be sent to collection. The Representative XXXX who works with XXXX collection was really rude and when I tried explaining my situation she hung up on me. My credit report shows no late payments, my credit history is mint and everything has always paid on time. This is what I have on my side and I explained to the credit agencies that if I were responsible for this bill I would have paid the {$200.00}. But I am not. This collection has stopped me from purchasing a home and has been damaging to me and my credit history. I have tried many times to contact the credit bureaus and with no resolution. XXXX has been the only one who removed and deleted this collection off my report. My attorney has also submitted a letter notifying the collection company to hold off collection due to the fact the case is still open and pending settlement. And they continue to notify no payment/ or delinquent on my credit report. My case is still in litigation and my attorney who is representing me is seeking to schedule an examination under oath so we can finally close this case.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: the debt collector called me last 2 months ago in paying off my account. and i already make the payment. but they did n't close the account and now i recieved collection payment from different company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was having financial difficulties so I contacted the loan company for a repayment plan. The adviser gave me a repayment plan and a recertification date of XX/XX/2017. XX/XX/XXXX I received a notice that stated my plan ended and my repayment amount changed. I called twice and chatted online to see why. Each time I was told my plan ended because it was added at a later date than my other loans. This did n't make any sense because I applied the repayment plan to all of my loans. I was advised all I had to do was complete a form to recalculate my payment. I received the form prefilled by the previous agent. I signed the form and attached my proof of income. I never received an update so I contacted the company. Now I 'm being advised I did not complete the form correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (I do not know) with American Collection Systems, Inc. (OH) (DC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Contacted company over a year ago to cease and desist, after not receiving verification of debt. 

The company shared / school, is not verified and I have no record or knowledge of debt. 

The company has continued to contact parents home and cell numbers, even after they requested them to stop contacting ; in addition to making repeated, early/late, and harassing calls. 

Shared information about collection with parents - even after they shared they did not have contact information ; I am activity duty and parents do not have contact information, as they shared ( depending on TDY ).

Company response to consumer: Untimely response
Consumer complaint received 04-11-2017 about Debt collection (Medical) with Phoenix Financial Services LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Phoenix Financial Services, LLC sent me a collection letter for {$520.00}. I replied to their letter as they requested advising them that this account is not mine. They reported the collection account to my credit on XX/XX/2017. I wrote to the credit bureau to investigate this account for is not mine. The credit bureau replied that they verified the account. I wrote again to the collection agency asking them for the medical signed documents for this debt. They do not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: I had fraudulent charges to my checking account, upon me discovering this I contacted JPMORGAN Chase and they refunded the charges and fees associated with the fraud. Several weeks later I received multiple notices from them stating the charges were not fraud and they were immediately removing all funds they had reimbursed. I immediatelywent into a branch to discuss the situation and was told that because I have budget application my phone that randomly updates connected to the account they show a " log in '' into the account that they assume I reviewed all charges every time the app updated and I did not report the fraud immediately that it is no longer fraud. Now the account is severely overdrawn and they are demanding payment and threatening to charge off and report.

Company response to consumer: Closed with explanation