milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: BK OF AMER ACCOUNT NUMBERs : XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX, DE XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BK OF AMER or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BK OF AMER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 10-06-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I first to out a mortgage loan with XXXX XXXX XXXX, then XXXX sold my loan to green tree, now the sold the loan to DITECH. I recently received a call from DITECH demanding a payment and harassing me about a late payment. I was not late on my payment. Ditech is harrassing for a mortgage payment that I was late on 2013. They have spoken to me with very bad language and demeanor. I have never been treated with such a bad attitude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I originated a Mortgage Loan with XXXX XXXX XXXX in XXXX XXXX, filed for Bankruptcy in XXXX XXXX, and the loan was discharged. The lien survived and was attached to the property. XXXX XXXX XXXX has been reporting inaccurately on my credit report, they are reporting Date Reported XXXX XXXX, this has to change to reflect the Bankruptcy Discharge of XXXX XXXX. I have attempted to resolve this issue for over a year and nothing has been changed. The inaccuracy has been effecting my credit and have not been able to obtain better credit offers.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2015 tryed to work with Ocwen for Loan Modification got nowhere. Wrote to Senator XXXX XXXX detailing my issues. His office contacted Ocwen. I received a letter from Ocwen stating my would be completed by XX/XX/2015. Nothing happened. Received another letter stating my case would be done by XX/XX/2015 nothing happened again. Been getting the runaround ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I came across financial difficulty. When I attempted to lower payments or work out an agreement navient would always push me to deferment or forbidance. They have always reported me late to the credit bureau, charged a TON of interest, and late fees. Was not willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and   XXXX   has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting documents.   XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH   XXXX    AND WAS TOLD IT WAS   XXXX   RESPONIABLY TO REMOVE 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 10/15/2015 about Credit card () with WAKEFIELD & ASSOCIATES, INC. (UT).
Issue: Other

Complaint: Wakefield & Associates is collecting a debt that is not valid on my report. I have disputed them through all XXXX credit reporting agencies, XXXX did not verify the debt as valid. XXXX said the company verified the debt. When the company was contacted, they were very abrasive and rude. XXXX is lazy in their verification process. XXXX reported that they did a XXXX part inquiry to verify. The company could not verify the information, yet somehow XXXX insists that they did.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Medical) with CFM Group LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: this company is destroying my credit with negative reports and the statue of limitation has run out, please remove from my report, company was paid over 7 years agao

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Credit decision / Underwriting

Complaint: I began applying for a loan modification with my mortgagor, Select Portfolio Servicing on XXXX/XXXX/2015. I began submitting the documents they requested. I have submitted a hard ship letter, bank statements, lease agreements for the subject property, lease agreements for other properties I own. Each time I submit a requested document, I get a letter stating that they have received the info they requested and once they receive a complete application along with third party approvals they will send it to underwriting. Once I receive these notices I call, then they request some other document. This process has been going on since XXXX 2015 and now the want something more bank statement detailing the rents I am receiving. I had explained in the hardship letter that I was having trouble collecting rents consistently. They want copies of canceled checks when most of my tenants pay with cash or money orders. I do not take checks because the bounce then the bank charges me a fee plus take the money from my account. They seem as though they do not want to modify my loan. I wonder if they ever give loan modifications to their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MI).
Issue: Managing the loan or lease

Complaint: Our son purchased a vehicle and had it financed through Chase Bank. Our son XXXX XXXX XXXX, 2015. We contacted Chase Bank in XXXX and sent XXXX Certificate and account information to Chase Bank probate department as instructed. In XXXX we received past due billing notice, again. Again we contacted the customer service department and were assured that it would be taken care of. It is now XXXX and we have received a past due and collection notice from Chase at " our '' address. Our son lived at a different location and his loan had that address. Amazing they got our address but not the other information? Also, the vehicle was recovered by Chase Bank in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested written notification of my husband 's debt and they refused to send it to me. They stated they had already sent it out and they could n't send me another letter showing the information regarding the account. i.e. balance owed, original creditor, date account was opened ect .... I am really confused as to why they can not provide me with documentation regarding this debt. The rep that i spoke to kept saying they sent it via mail and that I should have it. I then stated to her to check her notes because I just changed the information on file earlier that day. She said " Oh ok '' but still refused to send me any info and claims it was requested, but I still have not received anything. They refused to provide documentation and also stated they could n't send it until the bill was paid off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: COMPANY CONTINUE TO DEMAND PAYMENT ON OUTDATED (XXXX)ACCOUNT, NOT MINES AND PAST STATE(GA) STATUE OF LIMITATION OCGA 9-3-24, OCGA 9-3-25 ; (4) YRS ON OPEN END ACCOUNTS, VIOLATED FCBA, FCRA AND FDCPA...NOTE: ID FRAUD AFFIDAVIT WAS FILED WITH FTC# XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are trying to charge me for service that they were unable to render to me. after three months of having them come to my house to install and fix the service that they were trying to render to me I had decided to disconnected my service with them. Now that account is in collections I have contacted the collection agency I did a written dispute in detail and now have to deal with unnecessary collectors.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Union B ank took over my  XXXX   XXXX  card and my  XXXX  Card from  XXXX   XXXX  Bank. They changed the card from an  XXXX   XXXX  card which I had applied for to a  XXXX  card. By changing the card, they made it appears the card was a new card issued  by Union  Bank.     In the process of taking over the card, I lost my  XXXX   XXXX  benefits and the web and app access to my first bank card app and easy to use web site. After a few months, I noticed a {$99.00} annual fee.     I contacte d Union Bank  and explained the situation and asked them to remove the fee since I no longer had the same benefits. The phone agent told me she was unable to do so. I asked her to close my account and reverse the fee. She agreed and closed the card and after  XXXX  minutes on hold, she returned and said the account was closed and she could not reverse the {$99.00} fee.     I spoke to a supervisor  (   XXXX  ) who confirmed the card was closed and that they would not reverse the annual fee charge. I asked to speak to client relations and the supervisor said there is no one above her I can speak to.     I called the following day (  X/X/2017    ) and asked to speak to a supervisor. I was advised by the  CS rep (   XXXX  ) that there were no supervisors and they were all in meetings. I asked to have the fee reversed and she said no.     I explained that I had another identical card and asked if there was an annual fee. She said  No t here isnt. I asked her to explain how to identical cards ( Union Bank  XXXX   XXXX   XXXX   XXXX  ) from the same bank could have such different terms and her response was I do n't know and there is nothing I can 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 monetary relief
Consumer complaint received 03/24/2016 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Account opening, closing, or management

Complaint: I had around XXXX dollars in my account. I wrote checks to cover bills. XXXX check was written for {$830.00} and the other was written for {$34.00} to XXXX XXXX XXXX checks went to US Bank on XXXX XXXX. The agent for the bank misread the checks. They thought the check for {$34.00} was fraudalent and returned it to XXXX.US bank cashed the other check for the wrong amount for XXXX 
I had written other checks thinking there would be no problems that also went through and US bank cashed them,, A few days later XXXX XXXX XXXX sent the check for {$830.00} through again. This time US bank cashed the check knowing I did not have enough money in my account to cover the amount. They coldly cashed this check ( with not enough funds in my account to cover it and I had no overdraft protection ), they charged me an overdraft fee of {$36.00} and a fee of {$25.00} for over limit fees. This took my checking account to - XXXX 
Seeing this improper behavior of the US bank system I called them and stopped payment on XXXX more checks. My account was overdrawn so I did not want anymore charges. US bank still took in a few more transactions they knew I did not have funds to cover and charged me more fees of {$36.00} and {$25.00}. This took my account to a negative XXXX Again, US bank knew I did not have funds in my account to cover any transaction! 
Days later I received notices from US bank acknowledging my stop payment transactions. I saw a check for {$62.00} that I had stopped payment on. US bank cashed this check in spite of my stop payment. This unscrupulous bank behavior has my account now overdrawn for XXXX Banks are supposed to serve customers not prey on them for fees! These bank behaviors are predatory and should be stopped! 
XXXX XXXX XXXX ( Nevada resident )

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 06-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX, my wife and I disconnected our service with XXXX XXXX XXXX. At the time, XXXX XXXX XXXX issued us a refund for the funds that we had paid. 

A month later, XXXX XXXX tried to charge our credit card for another monthly payment, at which time we contacted customer support. We were told that they were unable to stop auto-payment and that they would refund the charge. After a month, the charge was not refunded so we asked our credit card company to cancel the payment. 

After cancelling the payment, XXXX XXXX sent us a debt collection due to the cancellation of the credit card charge. After speaking with XXXX other people, we were reassured that the notice was sent in error. Finally after speaking to a XXXX person, we were told that the notice was correct because of the way they do their billing. 

After fighting with the company for 6 months, we agreed to pay a reduced amount to close the issue. 

On XXXX XXXX, XXXX, we received a letter from yet another collection agency trying to collect on a XXXX XXXX debt. This time it was for an amount that we did not recognize and has never been billed to us at any time. We have responded to the collection agency yet again. 

This appears to be a common practice by XXXX XXXX of sending unsubstantiated debts to collection agencies. We have also dealt with an issue where XXXX XXXX tried to collect a debt from my wife for not returning her equipment despite the fact that she had a receipt from the day it was returned.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
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: There is a withdrawn  Federal tax li en still showing on my report that was withdrawn i n   XXXX   XXXX   2017.  On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS withdrawl form ( which I will also attach here for you ). I have also verified with   XXXX   XXXX  , KY that the lien withdrawal has been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal.  XXXX  removed the lien from my credit report immediately and  XXXX  is investigating

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The man who contacted me would not let me dispute the bill. He would not tell me how to dispute it. He was very rude and every time I would talk he would tell me to stop. I asked for information about the bill and he would not give it to me. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been going back and forth with this Credit Agency in regards to this Bankruptcy that is being reported on my credit as " Verified As Accurate '' On XXXX XXXX I personally contacted the bankruptcy court myself and spoke with XXXX who is the Bankruptcy Court Clerk at XXXX XXXX est. She made it 100 % clear to me that they do not report anything to the credit Bureau and nothing is on file with them Confirming anything with the credit reporting Agencies. XXXX then stated that they do not report anything to XXXX, Transunion nor XXXX! Please Take it Upon yourself and contact them at XXXX. The number that XXXX provided to me to contact the Bankruptcy court was also incorrect. I am tired of being lied to stating that the information was verified as accurate when it IS NOT. I want this Removed IIMMEDIATELY because you are not verifying this information with the DIRECT CREDITOR!

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is a second complaint since my first complaint was not resolved even though it was closed. The complaint was XXXX Original Detail as follows : On XXXX XXXX I applied for a XXXX XXXX XXXX XXXX card from XXXX XXXX XXXX. They pulled my credit twice on Trans Union resulting in two credit inquiries. I only authorized one inquiry for the one account. Trans Union needs a letter from XXXX XXXX XXXX stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry from my account. 


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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 06/30/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Getting a line of credit

Complaint: XXXX XXXX of 2017 I applied for a XXXX personal loan. Wells Fargo denied the request. I have a credit score of XXXX ; I have a credit card with them with a limit of XXXX with a current balance of XXXX. I have collateral ( properties ) ; Steady Job ;  been employed by the same company for 14 years ; but I was denied. In the past I been denied twice. Because I m a woman and XXXX. THIS IS PLAIN DESCRIMINATION.

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 03/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 'm submitting a complaint against all XXXX bureaus ( individually ) due to the failure to investigate and process my disputes. I have notified them that the information that they are reporting on my file is not correct and I have yet to see more than XXXX updates in the past 5 months. This is absolutely ridiculous and they are a farce of a company just pulling in money for reporting inaccurate information. I require a full investigation and for the information that I have disputed with them to be processed, updated or removed within the 30 day time period or I will have no choice but to make a complaint with the Texas Attorney General as well as make a press release that details how they have failed to investigate my disputes.

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