milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2018 about Checking or savings account (Other banking product or service) with FIRST CITIZENS BANCSHARES, INC. (SC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened an XXXX account and a bank that I am not famaliar with is listed on my account. I contacted the BBB and this bank is not accredited. I have a block on my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Problems when you are unable to pay

Complaint: We purchased a 2014 XXXX. Later in that year, the wife and I were forced to retire, due to the funding expiring ( we both worked for the XXXX ). Completely unprepared to retire, we lost our home, and had to turn the car over to a XXXX, XXXX agency. Ally Bank got {$15000.00} at auction, we paid {$16000.00}. Ally insists we owe another {$8500.00} due to 5 yr payoff. We are paying {$50.00} a month to a collection agency. I am XXXX old..my wife is XXXX. In order to eliminate that debt, would we have to declare bankruptcy?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was specific that I would pay the agreed amount if they would give me a letter once paid stating that the debt was paid as agreed. I required them to send me a letter prior to payment addressing this. I received the letter prior to payment - stating that once my payment cleared the account would be paid " Less then owed '' ( but is was the amount that we settled on ). I paid w my bank card the funds were taken out of my account over {$600.00} I called everyday and was told I had to wait for the funds to clear -even though checking my bank the funds did clear. After 2 days the funds had cleared they sent me a letter stating the same thing as the pre payment letter - 'WHEN YOUR FUNDS CLEAR ... I explained to them this is not prof that the account was paid and then it says less than owed, and I tried to address them that they told me it was a settlement amount and should be a settled as agreed. I am trying to re-coop the monies from my bank and will pay the co directly ( which will be additional XXXX dollars ) but at least it will be paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/18/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have sent mutiple request, XXXX by calling and also sending letters, the last was a Certified Letter XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, 2015, to have them produce signed documents and statements showing I owe and debt, to date we have not been provided the proper documents as required by law to collect and debt, further research shows a pattern by this company to change names and also complaints against their collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a credit card account with XXXX 's, a small balance of XXXX $ left and my credit limit is only XXXX . I  receive at least 25-30 calls A DAY from this company. It is a different number each time, local area numbers and out of state, the collectors also try to call me by listing a private number to try and trick me into answering their calls. I am currently in a financial bind and my hours at work have dropped. I cant afford to pay the XXXX $ min payment at the moment and I have explained all of this to each rep I have talked to. I simply dont have it but each rep tries to force me to give them a date to pay in order to stop the harassing phone calls. I did that just so they could stop calling me. I plan on paying off this debt in the next 2 months but I ca n't at this point. Please help me stop these harassing phone calls 7 days a week, 3-5xs a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Debt collection (I do not know) with NORTHLAND GROUP INC (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: In addition to this company leaving messages at my place of employment in which I have several voicemails saved.And after telling them by phone to not call my place of employment because I could lose my job, the vcalls are still being made with the last call from them being on today.The voicemails states that I will be served at my job on the same day the voicemails are left and to consider myself notified.My place pf employment tel. no. that I have asked them not to call is XXXX. And on top of that, I have no clue who these people are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Today I purchased  my credit score and report from  XXXX  via online and also included in the purchase was the same information from   XXXX    and Experian. There was a major discrepancy in the scores at which point I contacted   XXXX    customer service and was informed that the credit score I purchased was not the same program model use bye their customer service representatives when you call them directly! This lead me to realization that the score I am paying for is not the score  XXXX  reports to credit lenders when they   inquire about my credit history so why is it being sold to me and allowing me to believe this is what my credit worthiness is being judged bye! I also recently refinanced my mortgage in  XXXX  and I received a letter from my previous mortgage company that my  credit score th rough   XXXX   was some  XXXX  points lower than what was shown to me at that time which lead me to not be able to get a better rate moving forward in my refinance!

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 10/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: These attached accounts DO NOT belong to XXXX XXXX XXXX after a thorough investigation was completed and no viable evidence provided. 

XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$2600.00} XXXX/XXXX/XXXX {$2500.00} PAYS 61-90 DAYS XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$1500.00} XXXX/XXXX/XXXX {$44.00} PAYS 31-60 DAYS {$1000.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$7300.00} XXXX/XXXX/XXXX {$7300.00} CHARGE-OFF {$3500.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$570.00} XXXX/XXXX/XXXX {$190.00} 120+ DAYS PAST DUE {$400.00} XXXX XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5300.00} XXXX/XXXX/XXXX {$690.00} 120+ DAYS PAST DUE {$2500.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$4800.00} XXXX/XXXX/XXXX {$740.00} XXXX DAYS PAST DUE {$2300.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5200.00} XXXX/XXXX/XXXX {$750.00} 120+ DAYS PAST DUE {$2700.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$770.00} XXXX/XXXX/XXXX {$170.00} PAYS 91-120 DAYS {$600.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$1800.00} XXXX/XXXX/XXXX {$300.00} 120+ DAYS PAST DUE {$1700.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$2600.00} XXXX/XXXX/XXXX {$350.00} 120+ DAYS PAST DUE {$2400.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$560.00} XXXX/XXXX/XXXX {$100.00} PAYS 91-120 DAYS {$400.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$6700.00} XXXX/XXXX/XXXX {$760.00} 120+ DAYS PAST DUE {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$450.00} XXXX/XXXX/XXXX {$120.00} PAYS 91-120 DAYS {$300.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$5700.00} XXXX/XXXX/XXXX {$790.00} 120+ DAYS PAST DUE {$5100.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$840.00} XXXX/XXXX/XXXX {$150.00} PAYS 91-120 DAYS {$700.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5600.00} XXXX/XXXX/XXXX {$1000.00} 120+ DAYS PAST DUE {$5500.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$3600.00} XXXX/XXXX/XXXX {$380.00} 120+ DAYS PAST DUE {$3400.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$3100.00} XXXX/XXXX/XXXX {$430.00} 120+ DAYS PAST DUE {$2500.00} Please update your records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Medical debt) with Account Resolution Corporation (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I 've been for the past few months in contact back and forth with XXXX, XXXX XXXX XXXX and Account Resolution Corp in reference to my medical bills and with all the disputes gotten no results.. I was told by XXXX XXXX XXXX and Account Resolution Corp that all I needed to do was send in proof that I had coverage during the time of the hospital visits in XXXX XXXX 2015 and I did so. I Sent them a copy of my XXXX showing that I was covered during that time and was told that that was n't good enough and that I needed to have XXXX  XXXX XXXX XXXX XXXX to write them a letter stating that I was covered. When i originally got this form from XXXX  XXXX XXXX XXXX XXXX I was told that this is all I would need and that this would be proof of coverage. XXXX XXXX XXXX and Account Resolution Corp. is telling me this is n't good enough and that i need them to write a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Student loan (Federal student loan servicing) with College Foundation, Inc. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This student loan has been in deferment and in forbearance until XX/XX/2017. The customer service representative said they made sure they back dated everything to reflect current as my other student loans because they all should show the same status. They are still reporting incorrectly and showing late payments.

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 09/21/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ProCollect is attempting to collect {$1100.00} for a " supposed '' debt from XXXX XXXX XXXX. My husband, XXXX XXXX, and I were both on the lease and on XXXX/XXXX/XXXX we were given a standard travel order to XXXX. We notified the apartment the apartment complex and were told everything was in order when we did the walk through. 

I was not aware this was an issue until we had our credit pulled in order to purchase a home and come to find out this is on our report. I sent the transfer duty to the credit bureaus and to Pro-Collect on XXXX/XXXX/XXXX. They never responded to my dispute so on XXXX/XXXX/XXXX I called them and was advised I could only communicate via email to XXXXXXXXXXXX by a XXXX XXXX and a XXXX XXXX. 

I contacted XXXX and XXXX advised me they received my documentation however I never received a response from them. They stated they responded on or around XXXX XXXX, XXXX and the evidence I submitted was not " suffecient. ''

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 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management purchased my account from XXXX XXXX XXXX. This account with XXXX financial services began in XXXX and was charged off in XXXX. Midland Credit management/Midland Funding tried to collect this debt from me and could n't so they sent it to a lawfirm by the name of XXXX ( XXXX, MO ) in XXXX of XXXX. They are currently trying to garnish my wages for additional fees and the amount of interest charges and unpaid balance which is not accurate. I 've tried many times to get them to send me signed paperwork that I owe them ( midland credit management, or midland funding ) any money and they have constantly refused. It is illegal for them to continue trying to collect debt on anything over 7 years old and also. They are unable to prove that I own MCM or Midland funding any money as I have not signed any paperwork with them or purchased any goods or services from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. PRA refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXXXXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX is the last creditor.
I disputed with the CRA onXX/XX/XXXX ; XX/XX/XXXXand XX/XX/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 11-10-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: In XXXX I took out a home loan with XXXX XXXX XXXX XXXX dot XXXX for $ XXXX. It has been transferred multiple times and an alleged servicer called XXXX from XXXX has been collecting payments from me but I have still not received an updated statement as required by State and Federal Law. They claim that XXXX XXXX XXXX XXXX. is the Trustee for a Trust called XXXX XXXX XXXX XXXX which owns no properties nor ever acquired my note since it was filed with the XXXX XXXX  XXXX in a Chapter 13 BK filed by the original lender XXXX XXXX. My Attorney has sent them a QRW asking them ofr certian information and they have yet to reply to it. We ask that the CFPB please get involved as soon as possible and investigate this since we believe the documents filed by them on title are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: she told me and did not give me her name that she can go after me for a 10 yer old debt. i tried to get it settled but the company refused payment told me i had to pay the whole amunt or esle. than sold the debt to another company. which calls me 5 times a day now even after i said no contact

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BB&T CORPORATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: For the second time since XXXX 2016, the principal that was to be applied to my home mortgage was not and instead held in suspense. I am striving to pay my mortgage off within a year of XXXX. The mortgage payment ticket was completed correctly both times by me ( XXXX and XXXX ). The first incident involving the error took 3 weeks to correct and apply the payment to the mortgage principal. I received a letter from BB & T Bank dated XXXX and noticed that the full amount of the principal was not deducted. The payment amount was {$3500.00}. {$3500.00} is in now in suspense. This is disrupting my goal of paying the home mortgage off because BB & T is not applying the extra principal to the home loan. I am under the impression that BB & T is purposely holding the extra principal in suspense so that I will ultimately be paying more interest or someone is stealing money. This kind of mistake is unacceptable 2xs within 6 months. After contacting XXXX branches in XXXX, MD and the customer call center the issue is still not resolved. I received a statement dated XXXX and the mistake is not adjusted.

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 07-06-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home equity line with Wells Fargo Bank and I setup an automatic payment so that they can make these withdrawals on time as well. The bank was unable to withdraw money from my account where I have plenty of money to satisfy the withdrawal and they have charged me all sorts of late fees and this is happening for the second time. I had to get on the phone and explain to them how this is not my fault and I was assessed several late fees which they will not remove from my account. On top of this they keep sending me collection letters with the wrong amounts on them. I need help with this situation. My loan number with Wells Fargo is 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 09-07-2016 about Student loan (Non-federal student loan) with Radius Global Solutions LLC (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I paid off my student loan from XXXX but I am getting letters in the mail from a comany called Central Credit Services LLC. They are stating that I have not paid off my debt. But I have documentation that I have paid my debt in full. I believe they are a scam. 

Their contact information is Central Credit Services LLC XXXX MO XXXX Phone 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 03-03-2016 about Debt collection (I do not know) with Lyons, Doughty & Veldhuis, P.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by a Law Firm ( Lyons, Doughty and Veldhuis XXXX ) in regards to a debt owed to XXXX XXXX Bank. 
I immediately notified them that this was not my debt and that I would like verification. ( Proof of fax receipt enclosed ). They then sent me a copy of a XXXX XXXX Statement with a name XXXX which I am not and have never used. Included was a typed letter with a notary stamp ( not raised ) that named not XXXX. But me with my address. I can only assume this is a deceptive practice used by this firm. 
I sent them another response stating that this was not my debt. They filed court action and I would not sign for the registered letter because it was addressed to XXXX. Shortly thereafter I received registered mail with the XXXX removed ; I can only believe this to again try to deceive me into paying a bill not owed. 
I have contacted XXXX XXXX Bank at XXXX and after they asked my birth date and last XXXX I was told that it is not my debt. I asked for proof and they said they would not share that because it was not me they were collecting from. I told them about the suit being brought and the response was just tell them it is n't you. ( Conversation all on tape ) If I could find out that easily, I would expect a law firm to do the same. 
I was told by the superior court ( Docket No. ) that I have to pay court costs to respond to this phony lawsuit. 
I just received another letter in today 's mail ( XXXX ) telling me to pay the bill because I am being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: The company in question ( DiTech, formally Green Tree ) not only calls and harasses me on my home phone ... but they call my cell phone, the corporate office for my place of employment and leaves harassing messages on the main voice mailbox, leaves messages on my personal line at work, has left more than a dozen messages on the business line for my brother in laws business, left messages at my mother in laws house, and my husbands uncle and cousins ' houses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have only went by XXXX name my entire life. There are XXXX names that are not me, reported on my credit. One is associated with a misdemeanor. I have never been married. my birth name is the only name I have ever went by.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting a dismissed Bankruptcy that is damaging my credit and opportunities of new credit as if the Chapter XXXX bankruptcy is completed. I am XXXX and have been denied affordable accessible housing with this as a factor. credit has been refused because of this. When I contacted the agency they said contact the courts they are responsible. I received a letter from the courts after inquiry stating that they are not reporting. This is already a public record and they do not report to any credit bureaus. I am being penalized as if this bankruptcy actually went through. I filed papers in XX/XX/2011 and it was dismissed in XX/XX/2011 due to my inability to to follow through because of declining health and insufficient debt. I am receiving the same punitive treatment as if i had followed through and none of the forgiveness or debt relief.

Company response to consumer: Closed with explanation