milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, XXXX sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request

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 06/27/2017 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (TX).
Issue: Trouble during payment process

Complaint: Closed on our home XXXX XXXX, XXXX. Purchased a 12 month home owners insurance policy. We were contacted in XXXX XXXX to purchase a new policy. My insurance agent provided Amerihome Mortgage with the new policy information. We received a letter today from home owners insurance. It stated " The insurance policy is being declined for the following reason : Non-Payment Insufficient premium received by the due date I checked with XXXX XXXX. The loan number and contact information they have for the mortgage provider are all correct. We also received a letter from Amerihome. They have provided us with a policy that cost 350 % more than the policy we found.

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 12-08-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: I am extremely upset with Select Portfolio Servicing because they mishandle my account. I finish my XXXX trial payments and after I received my final modification packet, I am getting a huge balloon in the amount of {$110000.00} at the end of my loan. This is not acceptable because I never had a balloon before my loan was modify. I need to know from where this balloon is coming from My loan was with XXXX XXXX before it was transfer to SPS. However ; I have not been given an explanantion. This is really devistating because SPS is not respecting the guidelines I was Approved for the XXXX XXXX XXXX and without principle forgiveness despite being part of the hamp tier XXXX guideline. This is not what the XXXX XXXX XXXX offers. I have gone to workshops for struggeling homeowners like myself and have learn about all programs available. Therefore I am hoping that SPS can please explain why my loan was not offer Principle Forgivess nor a 2 % fix for the life of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MA).
Issue: Wrong amount charged or received

Complaint: On XXXX XXXX, requested a bank-to-bank transfer of {$2600.00} XXXX Dollars to a XXXX bank account in XXXX. {$2600.00} was deducted from my bank account on XXXX XXXX but only {$2400.00} was deposited into the recipient 's account on XXXX XXXX. Although I requested this to be a XXXX dollar to XXXX dollar transfer, Western Union insisted 'Government requires local currency to be sent '. Their investigation into this has provided no results in recovering the missing {$150.00}, stating the amount of local currency ( XXXX PLZ ) is what was sent and received by the bank. It is indicating a dramatic rate conversion issue, but this is not clear. I do not believe conversion was required and Western Union incorrectly processed to convert. However, if so required, how is it possible so much money is lost in a direct bank-to-bank transaction. I truly feel money has been stolen from me and hope you can assist me to recover. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: USAA has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: During the process of refinancing my home to go to a 15 year mortgage with bank of America, the appraiser they hired lied, and wrote my house up as being less sq footage, with less bathrooms and less bedrooms then it actually is. Therefore making the house worth way less, giving me a higher interest rate and keeping my pmi. They also used houses to compare my house too, that are in much worse areas and much smaller. My appraisal was a complete scam and when I called them out about it, I did n't hear back from them for four days. I was charged {$540.00} for the appraisal.

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 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
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 n't asked for this company to provide me a debt verification and validation and they have failed to provide me that information the other credit bureaus have removed this off my credit report due to this company sending me several letters indicating that they were going to take this inquiry off of my credit report and that they were no longer going to report anything negative on my credit report they have sent me several letters stating that they were going to take it off of my report and they continuously put it on my credit report I am requesting y'all to ask them to provide you the letters that they have sent to me. I have provided them all of the information that they have requested and I have disputed this several times and XXXX will not take this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I was contacted at work by XXXX with Premium Asset Services, a collection company. He demanded I make a payment within the XXXX or they would automatically garnish my next pay check. I explained I have a garnishment currently in effect with another company, XXXX insisted he could enforce 2 garnishments at the same time. Not true. He called my work phone a total of XXXX times within an hour. Then today My General Manager states in an email he was contacted by another XXXX XXXX XXXX, insisting that I contact him immediately. I know this is illegal and they can not harass me at work. XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Billing disputes

Complaint: Wells Fargo Home Projects Visa has repeatedly assessed late fees when payments were made before the due date. Customer service was helpful in resolving this issue in the past and provided direction for how I could avoid the problem in the future ( details below ), but has not agreed to reverse any more late fees despite following their direction. 

The details of the matter regard a period between the due date and the statement closing date. Wells Fargo sets the due date on the XXXX of every month and does not allow any grace period. I have always paid prior to the due date. The statement closing date is on the XXXX though and the problem occurs when a payment is made towards the next statement prior to the closing date of the previous one ( e.g. when payment is made on XXXX XXXX for the statement due XXXX XXXX ). Even though the payment is made in advance of the due date, a late fee is still assessed. This is contradictory especially since there is no grace period i.e. any payment made after a due date should indicate a payment made towards the next statement. 

I have made every effort available to me to accommodate Wells Fargo Home Project Visa 's business practices. A customer service representative directed me not to make payments until the XXXX. Recent events would indicate that this was not correct and another representative informed me that this date can vary. I have also been told from other representatives that many people encounter this problem. Questions about the effect of this problem on my Credit History and Report were also answered unsatisfactorily. The representative stated that the Credit History would not be effected until the account was more than 30 days past due. Unfortunately, after making payments on time since opening the account, Wells Fargo still believes the account to be delinquent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2018 about Debt collection (Medical debt) with Receivable Solutions, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am making a complaint about this medical bill that should have been satisfied back XX/XX/XXXX,  I have reach out to the hospital to discuss this matter a number times over the pass couple years and most recently in XX/XX/XXXX and they are no longer able to provide me with any information.    I was informed that I will need to contact  Receivable Solutions Inc,  I have reach out this Receivable Solutions with no resolution due to they are not he original creditor for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Convergant Outsourcing LLC has reported a paid collection in which I did pay to settle the account with them for {$250.00} because I owed XXXX {$280.00} for a closed unpaid phone bill. Which was in XX/XX/XXXX when it was sent to collection for none payment..Convergent Outsourcing LLC has the account listed as opened on XX/XX/XXXX which is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 disputed a tax lien on my Equifax credit report. The tax lien purports to be from XXXX Superior Court in Georgia. The original tax lien does not contain sufficient personal identifying information to be included in my credit report. Neither my date of birth nor my social security number appear on the original or copies of the tax lien in the county records. I received a dispute resolution on X/X/2017. However, the information was simply updated and not deleted based on the lack of personal identifying information. Specifically, the tax lien as listed in the report is from XXXX Superior Court, book 361, page 105 in  the purported amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have told Experian more than once that there is incorrect information regarding my credit report. There are addresses and numbers on my report that I have know knowledge of as well as debts that I have no knowledge of. Under the Fair Credit Reporting Act, it is Experians job to make sure all information is correct and reported accurately. Their refusal to send me their investigation information from their last investigation clearly states that they never even attempted an investigation and that is against the law. You have 25 days left to have your investigation in my mailbox and to have my lawyer say that your investigation is up to standard or I will file a lawsuit in court to remeve the fraudulent information and for damages you have done to my company and my ability to make a living. I am done playing your stupid and illegal games.

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 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2016 about Debt collection (Credit card) with AFNI INC. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX states I have a debt of {$410.00} from AFNI. The Creditors Contact Details : AFNI XXXX, IL XXXX. I called the telephone they provided at XXXX. I spoke to a person by the name of XXXX. She checked for the debt via Name and/or Social Security and could n't locate the debt. Can you help me resolve this issues. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I requested a credit report in  XXXX   XXXX . At that time I noticed that there were several addresses where I never lived linked to my report. I also found that a delinquent account from the collection service  Ad Astra  for  XXXX   XXXX  was listed on my report. I have lived in Oklahoma since  XXXX  and have NEVER used a payday loan service. I disputed the false addresses a nd Ad Astra account. I did get the addresses removed, but have tried for several years to have the negative report from Ad Astra remove d.     I have repeatedly disputed this information on my account and have never received any direct notification from  Ad Astra un til  XXXX   XXXX   XXXX . This account does not belong to me.  XXXX   XXXX  has closed this account on my report, however  XXXX  has not done so after repeated disputes.     I have tried to find an email contact  for Ad Astra to contract them without success. I will not call them due to other consumer complaints about threatening phone calls from Ad Astra.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Medical) with Capital Accounts, LLC (LA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Representative by the name if XXXX XXXX called my husband from Capitol Accounts very rude on the phone and using obscene language. I called the company at XXXX spoke with XXXX advise her on what happen she transferred me to supervisor XXXX I advise him on what happen he did n't sound like he really cared or was concerned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JH Portfolio Debt Equities, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I reported identity theft to XXXX, They sent my personal information to collector agency.They are keep sending mail.I paid that amount which was fraud in my account and They added interest which was paid by me from my bank account. They did not respond back to me while I was calling to them.

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 07-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The second item reported is the same bill. I only have XXXX XXXX bill, XXXX debt owed to XXXX for XXXX amount and yet it 's being reported twice on my credit report. I do not feel this is fair practice. It 's obvious that one is an old account and the XXXX switched collection companys

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XXXX XXXX and I am only responsible for the payments from XXXX XXXX XXXX. My credit score has dropped drastically.XXXX XXXX should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). Thank You

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breach personal information exposed A letter of intent to file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: In an adjunct filing to the complaint XXXX made to CFPB XXXX/XXXX/2015 I make this further complaint about a call received the following day XXXX/XXXX/2015 from phone XXXX which is Receivables Performance Management, XXXX XXXX XXXX XXXX, XXXX, WA XXXX SPONSORED by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX, XXXX - XXXX, Ohio, which, again may not be licensed even to operate in my state of Georgia. 
The RPM website services description page lists, " CUSTOMIZED DUNNING Notice Services, XXXX, Early Age REACTIVATION SERVICES, Late Stage.. '' Please note, " OMB # XXXX : An agency MAY NOT CONDUCT or SPONSOR, and a person is not required to respond to, a collection of information unless the collection of information displays a valid control number assigned by the Office of Management and Budget ( OMB ) ... '' These control numbers are never given and more important the service that called me " Receivables Performance Management '' is being contracted and SPONSORED by XXXX & XXXX XXXX XXXX. Both companies are in violation of federal law the count of which is probably in the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (Medical) with Automated Accounts Management Services (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted about a debt on XXXX/XXXX/XXXX that I questioned the legitamacy of. The debt collector claimed I owed over {$500.00} for medical bills dating back to XXXX. I sent a certified letter asking for verification. 

On XXXX XXXX, I received a letter stating that the verified debt was {$19.00}. 

I received another call today, XXXX/XXXX/XXXX again claiming that I owe over {$500.00}. I was told they would have to verify the debt again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with Alliance Data Card Services (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: COMENITY BANK/VCTRSS ACCOUNT NUMBERs : XXXX XXXX/XXXX/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 COMENITY BANK/VCTRSS or any company associate with this account # 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 : COMENITY BANK/VCTRSS 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 SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation