milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2015 about Debt collection (Credit card) with G. Reynolds Sims & Associates, P. C. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Law Office of G. Reynolds Sims And Associates, P.C. XXXX XXXX is a Collection Agency. XXXX XXXX associates had been contacting/harassing me since XX/XX/XXXX for a debt they ca n't prove. They also contacted my brother XXXX times, XXXX of them was at his place of employment. They told my brother that they are trying to contact me to collect on a debt that I owe. 

I sent XXXX XXXX XXXX letters in XX/XX/XXXX disputing the collection. I have not received a response to my XXXX letter. I thought that everything was ok until I was contacted from XXXX this year ( XX/XX/XXXX ) indicating that I have XXXX open collections account on my credit report. 

I had received several calls from collection reps. Especially from XXXX, whom was very rude, talked over me, told me to contact someonethat can pay the debt for me or I should sell something. He then asked for mybank account number. 

I told XXXX XXXX I want proof of the debt that they are trying to collect. 
He said it is my responsibility to prove it. I asked him how can I prove it if itdid n't happen. 

I am still trying to get this dispute resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX listed his property for sale on XX/XX/XXXX. An offer was received on XX/XX/XXXX in the amount of {$330000.00} from a well-qualified buyer. The offer received is sufficient to pay the XXXX and XXXX mortgages off entirely. A short sale would not be necessary and we are not requesting that the bank waive any resulting deficiency as all will be paid off through this transaction. 

A foreclosure sale date has been scheduled for XX/XX/XXXX and, in all of the borrower 's ( XXXX ) discussions with Ocwen, they will not agree to postpone in order for us to close on this transaction. XXXX has been working with Ocwen asking them for a postponement so that he can complete the sale of his property and they will not postpone. It is in Ocwen 's best interest, as well as their investor 's to postpone this sale and receive a full payoff on the note. 

Furthermore, XXXX performed XXXX military service in the XXXX during XX/XX/XXXX, thereby affording him protection under Servicemembers Civil Relief Act ( SCRA ). As you should be aware, real property owned by a service member before military service that is secured by a mortgage or deed of trust can not be foreclosed upon, sold, or seized during the period of XXXX or up to XXXX months after service without acourt order or the written agreement of the service member. Compliance with this law ismandatory. Failure to comply with this requirement voids the sale or foreclosure and maysubject a creditor to sanctions.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The complaint I filed previously ( # XXXX XXXX, wherein the company ( Citibank ) replied as to their reason for a hard pull on my credit. 

This is not possible, as I did n't ever apply for a Citibank XXXX card. So either they pulled the wrong report for the individual applying for the card they allege, or a fraud has been committed. 

There was no reason for a hard pull on my credit on the said date ( see complaint filed on XX/XX/XXXX # XXXX ). 

Though you have this reply from Citibank on this complaint number, I will provide the exact reply below : " I sent a letter to the customer declining his request to remove the inquiry as it was the direct result of his request for credit when his application for Citi XXXX XXXX Card was received onXX/XX/XXXX. '' As stated above, I never filled out an " application for Citi XXXX XXXX Card '' on XX/XX/XXXX. Please let me know how I can proceed or how CFPB will proceed with this false claim and unnecessary hard pull on my credit. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2016 about Debt collection (Medical) with Business Revenue Systems, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I did n't recollect owing XXXX these bill that XXXX and BUSINESS ASSURANCE RECOVERY which are the same company anyway according to my research but try to scare tactic people by modding the water and act as XXXX different entity to XXXX people up.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a XXXX and have been XXXX for 9 years. I currently have my student loans serviced by FedLoan Servicing under the PSLF program and have been paying my student loans since XX/XX/XXXX. FedLoan Servicing refuses to consider 2 payments eligible as qualifying payments because, according to them, " your payments were less than what you were required to pay. '' This has been an ongoing dispute since XXXX XXXX, one month after my loans were initially transferred to FedLoan Servicing. According to the due dates on both billing statements ( {$150.00} due by XXXX/XXXX/XXXX and {$330.00} due by XXXX/XXXX/XXXX ) each payment was, in fact, paid on time and for the amount due. Although I have provided FedLoan Servicing with the billing statements, they continue to tell me that they will not consider the 2 payments as " qualified payments '' towards the PSLF program because the payment amounts received were less than the amounts due. However, according to the billing statements I have attached and provided to you, both payments were received in full prior to the due dates. Even having offered to provide them with the billing statements I was given, they will still not consider both payments eligible towards the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Non-federal student loan) with Clarfield, Okon, Salomone and Pincus, P.L. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Attempting to collect a debt via phone calls and communication through court papers. Did not receive validation notice per the fair debt collections act to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Other debt) with Suburban Credit Corporation (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: SUBURBAN CREDIT CORP XXXX XXXX XXXX XXXX, VA XXXX, they are reporting inaccurate information. This bill was paid in full I faxed the information regarding the payment receipt twice. I have called and spoke with XXXX several times and they are still reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Late fee

Complaint: This complaint refers to a specific recurring issue regarding the manner in which Capital One processes payments. My due date to pay my credit card bill is on the XXXX of the month with no grace period. However, payments actually made on the due date incur a significant late fee because Capital One says payments made that day are " processed '' and then posted the next day. 

They claim a cut off of XXXX eastern time in terms of processing payments made that day. My contention, and I was told by the customer service person that this is a common complaint, is that if I make a payment on that date, whether it is early in the day or XXXX minute prior to XXXX, should be accounted for that day. Their policy, somehow written into the credit card agreement and no doubt buried somewhere in the mountain of fine print typical of cc agreements, is an absurd and egregious money grab. 

I asked that my credit card account and all billing issues be frozen until this matter was resolved and was refused. Also, credit card companies should be held accountable for these kinds of anti consumer practices. Some of us are smart enough to know that they have armies of lobbyists who allow them to get away with sticking it to us with crazy fees and penalties for the smallest mistake, but this is no mistake. If my due date is the XXXX and I pay on the XXXX, I should not be penalized regardless of their internal policy, accounting or cut off time. In fact, the cut off time should be moved to the XXXX to allow time for processing payments that were made on the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3XXXX 4.XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX.
7.XXXX  8.XXXX XXXX XXXX XXXX 9.XXXX XXXX  10.XXXX XXXX 11.XXXX XXXX 12.XXXX 13XXXXXXXX XXXX 14XXXX 15.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had seen my credit report and I see that they are multiple inquiries from Chase and XXXX that I do not recognize and do n't believe making so I would like them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Rewards

Complaint: I was a former Well Fargo Bank ( WFB ) Credit Card customer since XX/XX/2013, this card was marketed by WFB as a way to improve an individual credit score and the capacity to earn cash rewards for its use. The rates associates to this card were higher than other usual account but the WFB representatives reason on the offering that the rate did not matter because the opportunity to earn rewards was extensive. So I signed up for this card. I was used to making purchases with this card and the earning started to accumulate and when they started to reach higher and higher credit for the use toward me - WFB without warning, or ability to cash the rewards decided to cancel my credit card effective immediately without the opportunity to cash my rewards and they keep over {$300.00} in cash rewards that I had earned. I do n't dispute the cancellation policy but the cancellation without notice amounts to change of terms for earnings received and a taken. Other credit cards issuers like XXXX even after cancellation allow consumers the opportunity to cash their rewards even after cancellation of the credit card. 
Wells does not. Wells takes consumers monies by the enacting of this policy. Their policy is deceitful and its based on unfair business dealings.

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 04-11-2017 about Credit reporting () with Checkr, Inc (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XX/XX/2015 accident with injuries reported, but other driver was at fault. This was not noted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Credit card debt) with CL HOLDINGS LLC (PR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Jefferson Capital Systems , LLC, still insists through   XXXX   XXXX   XXXX   XXXX  , that I should contact   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   in   XXXX   XXXX   Puerto Rico, on a  U.S. Postal Service C ertified Mail Received today,   XXXX   XXXX  , 2017 at our residence, that Monday through Fridays, from   XXXX   XXXX   to   XXXX   XXXX  , I should call them if I have questions, and they want me to pay the whole amount of   XXXX    dollars  XXXX  cents, letter received today included, is in  XXXX  in just one payment? But this account is under a certified payment agreement with the same   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   XXXX   ), and today I made the fourth payment of this agreemen t at    XXXX   XXXX   XXXX   XXXX  , in   XXXX   XXXX   XXXX  , Puerto Rico, see included receipts. I was unable to contact the lawyers listed by   XXXX   XXXX   XXXX   as Jefferson capital Representatives, because not only I saw this letter today after arriving home after   XXXX   XXXX   and I should not wait for this until next Monday, but   XXXX   XXXX   is well aware of this problem, and they should contact Jefferson Capital also, but is not happening.   XXXX   XXXX   has another complaint here about this, number   XXXX   XXXX  , but this one I want to submit against Jefferson Capital and their representatives here in Puerto Rico.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (NC).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Last month the Wells Fargo Bank on XXXX XXXX in XXXX, NC allowed an unauthorized person to withdraw a total of {$14000.00} from my checking and saving accounts. I spoke in detail with the branch manger however he was not the person who appoved the transactions to my knowledge. The accounts were then closed verbally by the same person that withdrew the money. While doing my own research to figure out how this happened I noticed that one the same day this same person used the online portal to change my personal information. I know who this person is because I had a restraining order on them for hacking into my electronic devices and email on a separate occasion. I asked the branch manager to provide me with any documentation that authorized this person to be on my account and he was not able to do so. He did however provide me with an email that stated there were no documents that could prove I gave her access to my accounts. It appears that the bank literally gave my money to someone who had no claim to it. Nine days ago I submitted this claim to the OCC the next day I was told that it was referred to the CFPB and after 5 phone calls over the last two days I 've come to conclusion that my claim is being ignored. At this point I 'm prepared to move forward with my lawyer in this matter after trying repeatedly to get it resolved.

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 04/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On the advice of an Ocwen rep, I made a XXXX payment on my mortgage.  They told me that there was no scheduled payment in their system though I swore I had made one.  A couple days later, I checked my bank account and found that there were XXXX ACH's pending, so I put a stop payment on XXXX of them.  The bank charged me $32 to do this.  I have sent the proof to Ocwen and they have gone back and forth with me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I continue to try to resolve this with Bank of America. However, they continually place themselves in a position of legal representation and bill collectors for a company who is not even their customer. It is appalling to think that a bank cares this little about one of their customers. I have tried multiple times to explain that the merchant had NO authority to charge my card. But the powers that be at BofA dont care at all about using any common sense at all. Even though I have explained that the merchant is trying to double collect by charging me and also a lien on the property involved, they dont listen or care.

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 09/29/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I wrote Experian in XXXX and they never write me back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I was only informed via a XXXX article that my private information was stolen from Equifax servers back in XX/XX/XXXX. When I input my info on XXXX Equifax link, it confirmed My information was compromised and I would need to enroll in an identity theft product. By enrolling in the ID monitor I waive my rights. This will create a huge ongoing inconvenience and could delay a refinance. Equifax has such critical information that this could take many days, hours, or weeks to monitor over a long period of time. The thieves could also wait out the identity theft monitoring and then use my info to damage me. I am very concerned that equifax never contacted me directly, and this happened in XX/XX/XXXX. The identity theft service ca n't even start until XX/XX/XXXX. They have a responsibility to keep all info safe.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (I do not know) with Account Discovery Systems, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received repeated calls from a " XXXX '' at XXXX who claims that I am listed as a " contact '' for my brother-in-law XXXX XXXX XXXX. This is patently false. I told them from the first call that I was not ever a contact for him, that this was my personal phone they were calling, that I was on the do not call list. They have called several times since then. They just called me again and I found out that today they called my parents XXXX parents XXXX wife ). They need to stop calling me and my parents XXXX parent 's phone is XXXX ) and they should be fined out of existence.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This inquiry was added to my XXXX  credit report on XX/XX/XXXX. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue. 
Update : I spoke to XXXX XXXX, Office of the Chairman, at Citizens Bank on XX/XX/XXXX.  She said she needed to obtain a copy of my credit report in order to further investigate this inquiry. I was going to send my credit report, but realized that this is not my responsibility to provide my report to a company who fraudulently pulled it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Payoff process

Complaint: I stopped making payments on a XXXX credit card in XXXX 2015 due to underemployment at the time. In XXXX 2015, I got a part job and began attempting to catch up on past due payments from a number of accounts. In XXXX 2015, I was contacted by a third party collections company working on behalf of this GapCard named XXXX XXXX XXXX. I was informed that a payment of approximately {$200.00} was due to bring the account current. I told them that I was unable to pay that amount at that time, but that I was willing to begin making payments. They then asked me how much I would be able to pay, and I responded with about {$50.00}. I was placed on hold for a few minutes and when they came back on the line I was told that by setting up 6 monthly post-dated check payments of about {$70.00}, I would have the account current at the end of this period. I assumed that the account was in collections at this time ( since I was speaking with a collections agency ) and I agreed, assuming that those payments would go towards paying off the principal balance.. I subsequently learned, some 4 months, and {$270.00} later, that these $ XXXX monthly payments were nothing more than the bare minimum needed to cover interest and late fees on the account to prevent it from actually going into collections, and what I thought was a payment plan on a settled upon balance, was little more than money thrown away. My balance is no smaller than it was 4 months ago, and my minimum payment to bring the account current is now {$250.00}, some {$60.00} more than it was before I payed {$270.00} to this creditor. I was not just mislead, but lied to, and tricked into entering into what would have been a never ending payment plan. There is no way I would have ever knowingly entered into such an arrangement. I would have just let the account go to the courts and entered into some sort of arbitration to pay off the account. I spoke to someone at GapCard today and they said they would " file a complaint '' against this collection agency, but frankly I do n't trust them, and certainly do n't expect to see my money back. I would like some help. I can only imagine that this is happening to other people and it definitely needs to stop.

Company response to consumer: Closed with monetary relief