milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowlegde of this debt and it is shown each of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/30/2016 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My student loan defaulted and was passed around to collection agencies. Immediate Credit Recovery never contacted me regarding this debt. They went through the Dept of Education to garnish my pay, in which they were successful. I appealed and have not heard back for over a year now and have requested an itemized bill numerous times only to be directed to the Dept of Education who tells me they do not own the debt and I need to contact my collection agency. So basically calling back and forth in circles getting the same response. I am attempting to get the status of my appeal and an itemized bill. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AMCA is attempting to collect on debt that I never established a contract  with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.  AMCA are in violation : Violation of the Fair Credit Reporting Act Viol ation of the Fair Debt Collection Practices Act Defamation of Character an d the HIPPA L AW.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On my TransUnion credit report, under Public Information, there is a State of Maryland tax lien that has been reported since XX/XX/XXXX. I have been challenging this item for years, because the lien may list my correct name, but it does not list my correct address and does not list my social security number or my birth date.  The credit bureaus are only verify my name, but are not verifying other identifies such as address, SS number and date of birth as required by the law that went into effect in XX/XX/XXXX.  I have been fighting this for several years and I cannot afford to have this on my credit report, especially if the information is not correct.  I have been able to have it disputed and removed from the XXXX and XXXX credit bureaus, but TransUnion is not doing a thorough investigation.  Please help me get this resovled.

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 01/21/2016 about Debt collection (I do not know) with Creditor Claims of America, Inc. (MD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Caller named XXXX XXXX called my employment. When I called him back he immediately raised his voice and started yelling at me and arguing with me. He would not give me any information as to what type of debt he collecting. I told him that he was not allowed to call me at my employment and he continued to argue with me in a very violent harassing manner. He hung up on me and then immediately called me back to " prove a point '' is what he said.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Checking or savings account (CD (Certificate of Deposit)) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: XX/XX/XXXX - - letter to XXXX XXXX XXXX, CEO of Citizens Bank regarding offer of CD at 1.75 % and/or 1.50 % ... attempted to open CD as per the print advertising, but could not. ... ... <P/>XX/XX/XXXX - - spoke with a XXXX XXXX of Citizens Bank at XXXX XXXX who informed me that he would research the matter ... .The matter is that the offer as presented fails to mention that the customer needs to have {$25000.00}. on deposit with Citizens to get the premium CD yield ... <P/><P/>XX/XX/XXXX -- wrote another letter to CEO XXXX XXXX pointing out the incompetence of his XXXX XXXX in resolving the situation ... <P/><P/>XX/XX/XXXX -- a third letter to CEO XXXX stating that XXXX XXXX had offered me a CD at 1.25 %, but failed to relay that information to the branch ( XXXX ) staff where XXXX XXXX is the branch manager, and XXXX XXXX is also in a supervisory capacity .... <P/>XX/XX/XXXX -- I receive yet another advertising piece ( two in fact ) offering a CD, and again no mention of the absurd minimum to be maintained to avoid monthly charges.
A curt email was also sent to the CEO and the two local officials about the new marketing post cards .... <P/>THIS IS SIMPLY A BAIT AND SWITCH situation wherein the public is the victim

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Other

Complaint: I have sent many disputes to the Credit Reporting Agencies and to Chase JMorgan in regards to the XXXX accounts that they are reporting in error on my credit file. I have informed them many times that these accounts do not belong to me. I contacted the Credit Agencies and they stated that Chase JMorgan verified that these items are accurate. But it is ironic how Chase JMorgan will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Chase JMorgan. Not to mention, these accounts are still reporting on my credit file. I need your assistance in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Nationstar Mortgage has stalled at every request. I have gone to     XXXX   XXXX   to refinance and get a loan on the equity on my home. I have been making automatic withdraw payments for over  three  years without fail.  XXXX  let me be late for two years without notifying me and wouldnt rectify it for my credit even though they were automatic payments. I fixed the late payment issue and continued to make on time payments for over a year. My mortgage guy at  XXXX  was on a conference call o n 4  different occasions with Nationstar representatives trying to get them to update my payment information for my credit report. They failed to do so for over a month. I contacted them today a t    XXXX   XXXX   with my  XXXX  rep, and they verbally responded that my payment information would be updated by  XXXX   XXXX . I did not agree with this and asked for a supervisor. We waited on the phone for ov er 15 minutes  longer and they assured me I would get a phone call in "  15 minutes ' ' by a supervisor. That never happened. This company is inept and I cant take it anymore. I am being punished because of thier incompetatant procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public Records - XXXX County Tax Lien sent letter to LexisNexis, XXXX, XXXX and XXXX XX/XX/XXXX requesting the Tax Lien be deleted as the item was Paid Off in XX/XX/XXXX and it was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (AP).
Issue: Loan modification,collection,foreclosure

Complaint: I originally had a home loan through XXXX XXXX XXXX in XX/XX/XXXX. I took our a VA mortgage to purchase my first house but had to move shortly after. in XX/XX/XXXX the renters in my house cause over {$15000.00} worth of damages to my home. The house was not livable without costly repairs. I spent all of the money I had repairing the house and could not afford to pay the mortgage. After my home was in foreclosure my loan was transferred to Nation Star Mortgage. I completed a loan modification packet half a dozen times and returned it to nation star. Each time I was never given a resolution. After a year and a half of trying I finally signed a document waiving Soldiers and Sailors Relief Act rights. I instructed the bank that they could sell my home now because I was told that because this was a VA loan they could not. It has been an additional year now and I am no closer to moving on with my life. The payments have piled up a level I can never hope to pay and I just want the bank to do what they have been threatening to do since XX/XX/XXXX. I gave them permission when I waived my rights and I have sent this documentation to the bank multiple times. This house has not been occupied since XX/XX/XXXX and it is destroying me financially.

Company response to consumer: Closed
Consumer complaint received 08/21/2017 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do n't know this issue did n't receive any statement on this collection from any company.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX/ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX My brother was killed ( XXXX ) in XXXX last year on XXXX XXXX. 81 days later my father passed away from a XXXX XXXX/XXXX  of losing my XXXX XXXX XXXX XXXX XXXX age XXXX years old. The Army is currently XXXX me under lone survivor to take care of my family deaths. <P/> Nation Star Mortgage Company is the loan # XXXX. They are not recognizing that I am a service member of the XXXX XXXX. I have been denied loan modification and they are proceeding in foreclosure. I wish to stay in the home, I have no where to go. Nation Star mortgage has had home inspector come to resident and I have been harassed numerous occasion. Their home inspectors have pulled in my driveway and yelled pay your " XXXX Mortgage ''. They do n't know the circumstances and the home inspector when I came out into the driveway he reached in his car and got a bat. I told him to leave and called police. Their home inspectors keep pulling in the driveway taking pictures and speeding off. I followed numerous inspectors and told them to stop stalking my house and sitting in front taking pictures for 10-mins. My wife has recently purchased a firearm because of the harassment. Nation Star said their house inspectors, the gentlemen who approached my wife on the property said he was with the bank. I suffer from XXXX I served XXXX XXXX XXXX in XXXX XXXX, XXXX, XXXX and XXXX I have contacted MD sheriff XXXX and he said they are n't allowed to do all this. Sheriff XXXX said their breaking the law for even putting the house in foreclosure status. If they come on your property again we will arrest them for trespassing and advised me not to discharge my firearm unless they try to come in the property. I currently had friend a XXXX Police officer XXXX XXXX XXXX staying with me at the residence to make sure nothing happens anymore. <P/><P/> Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing/Cancelling account

Complaint: I was issued a Credit Card from Bank of America in 2013. I have been making payments each month. I hardly make purchases on this card, due to I only wanted it for emergency reasons. I made a purchase the other day. and it was declined. I called the Credit Card Compnay, and was told my account was closed. I never received a noticed of this closesure, and they proceeded to tell me a noticed was sent out. As I looked over notices that I did not know were available on my online account. All noticed were statements, and not one indicated they were closing my account. I am really upset with this company, I have banked with them for many years, and this is how they treat me as a long time customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in limbo with moving ahead with a disposition of a mortgaged property. It has been over two years. I have written to Shellpoint Mortgage asking them to either move toward Foreclosure, a Deed in Lieu and I have someone who wants to do a Short Sale. They have refused to move on either one. I am willing to assist them in whichever direction they choose. They only continue to add on fees and services without moving ahead. My hands are tied and I do not know what to do in order to get them to move ahead to some type of closure. I have my registered letters and all of my emails sent begging for a resolution. Please help me. I do not know where to turn to get this 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 10/15/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I kept receiving letters of collection for this debt. They put it on my credit report and I was denied credit. I wrote to them, stating I was living in North Carolina at the time, in addition I never took an ambulance. I asked for proof of service, did not receive. I wrote three more times and all they do is send the collection notice, in the amount of {$1900.00}. I have copies of letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Credit card) with DISCOVER BANK (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The is at the least the 2nd complaint that I 'm filing against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and Discover within the last several months. I have been harassed and threaten for almost a year now with emails, phone calls, letters, and now a legal Judgement. XXXX XXXX XXXX has been consolidating and resolving 7 debts for me starting in XXXX of 2014. Over 60 % of the debts have been resolved and I 'm waiting on the remainder to be resolved. But all Discover has done is harass and threaten me since XXXX XXXX XXXX has been consolidating and resolving my debts. My rights have been violated and I want XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and Discover investigated by your agency and the FBI. They seem to be doing the same thing that your agency caught XXXX doing..? There is something illegal going on with Discover 's practices and I would like for the Federal government to investigate all the parties previously mentioned. I 'm writing to the President of the United States, the U.S. Congress, the FBI, the Federal Trade Commission, the Governor XXXX, and the Governor XXXX about Discover and their practices ... I have already started writing. I 'm sending the copies of the Judgement to the White House and others mentioned ... and to as many media outlets as possible to tell the public what Discover has done to me and possibly many others.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XX/XX/XXXX After disputing TransUnion 's incorrect reporting on my credit report, they still report the account is derogatory in contrast to XXXX reporting. 

After filing dispute, TransUnion dropped my credit score by 72 points im one day, and over 100 points since filing a dispute on their error. Obvious retribution.

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 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX university is sticking me with a tuition bill for classes the university administratively withdrew me from. This is a scam and a way to get money. 
I began a XXXX with XXXX Uni on XXXX XXXX, 2015. I was shocked to receive an email from the Financial Aid office stating that they will be sending some of my aid back to the US Dept of Ed because I had not been participating in class enough. I was then informed that the university was Administratively withdrawing me from the class. I immediately balked at this assertion. I also asked how the university even knew about my online activity for my class and asked if " big brother '' was watching my clicks and logins. I also argued that the university had no right to take my financial aid and then withdraw me from class. Once the financial aid was sent back to US ED, XXXX stuck me with the bill for the class they had already withdrawn me from. It was the university ( Not me ) who initiated and completed the administrative withdrawal. It clear that they XXXX is using shady practices to commit fraud and get money out of unsuspecting Americans. They know that once they send financial aid back to the US ED, a tuition bill will result. Additionally, how can I be expecte to complete a course that I am withdrawn from? I asked if they were concerned about my clicked and logins to the online class, why didnt someone contact me to see what they issue was BEFORE initiating any adverse action. The university has all of my contact info, name, SSN, address, email, etc and could have easily contacted me about any attendance concerns. Instead, they hastily withdrew me from class without any regard to me as a student. I asked why wasnt I contacted and was told by a staffer that " no one has to contact you, it 's not a requirement. '' I was dumbfounded by that statement. It is clear that this " university '' has very shady business practices and is only concerned with getting money from students ; not in actually ensuring that students get a good college education or even graduate. They are, after all, a " For profit university '' ( emphasis added )! The university has not acted in good faith throughout this ordeal. How could I complete the coursework if I did not have access to the classwork and class assignments after the withdrawal? I still have yet to get a response to that question. 

I did a little research on line and found that several other thousands of people have experienced the same thing from XXXX University. So apparently, this is a business practice. This is away they get money ... off the backs of unsuspecting students who are blindsided by being withdrawn. Well, this student is taking a stand and will not allow this faux " university '' to continue to prey on people 's real goals and ambitions to get an education, only to be railroaded by this company. My outstanding tuition bill is bogus and I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Checking or savings account (Checking account) with NETSPEND CORPORATION (NC).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: On Thursday, XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, NC, to cash a money order. I filled out the necessary forms and was told that a checking account would be opened for me. I stated that I did not want the account. My money order was cashed, I was told to press several buttons ( Green and Red ) on the credit card machine, and then I was given a packet of information describing a checking account ( XXXX XXXX XXXX by XXXX ) that was opened for me. The cashier told me that the account was opened automatically for everyone and that I would just have to call XXXX and cancel the account if I did n't want it. I called the phone number provided as soon as I left XXXX XXXX XXXX and was told by the representative that I could only close the account if I paid a {$15.00} closing fee. I explained that the account was opened without my approval, but the representative insisted that I had to pay the fee. I asked to speak to a supervisor and was connected with XXXX. XXXX also said that I needed to pay the fee. When I refused, he stated that I needed to return to XXXX XXXX XXXX to have the account closed without a fee. When I pressed him on why the bank itself could n't do this and that I was going to contact the CFPB, XXXX placed me on hold. When he got back on the phone, he stated that he was closing the account and waiving the fee. He stated that this would take 1-2 days. On Tuesday, XX/XX/XXXX, I received a text message stating that my XXXX XXXX XXXX Debit Card was mailed. I called XXXX again to check why the account was n't closed. I spoke to a representative who said that the account was escalated to a manager, but not closed. After being placed on hold several times, the representative told me that I could only close the account if I paid the {$15.00} fee. When I explained my previous experience and the resolution given to me by XXXX, the representative said she understood my concern, but offered no resolution other than me paying the fee. I asked to speak to a manager to resolve the issue. I was placed on hold for 40 minutes before ending the call.

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 04/27/2017 about Debt collection (Other debt) with The Phoenix Recovery Group (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX / XXXX / 2015  {$2200.00} The following agency is not bonded in TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. I am also unaware debt collector and the original organizations. This debt does not belong to me

Company response to consumer: Closed with explanation