milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT FROM XXXX XXXX XXXX AND XXXX XXXX APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 11-09-2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Per my XXXX credit report this company has unlawfully and doesnt so without my permission pulled my credit report XXXX times in the last 18 months. The information below is taken directly from my XXXX credit reportFIRST NTL COLL BUREAUXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXXRequested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed debts to allied collection service for XXXX hospital. I paid allied the money owed and they said I do not owe them any mony, my acct. is paid in full but XXXX still will not take XXXX of them off my record " they removed XXXX " but not both They say they will keep the one on until 2018 even though it is paid

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a notice from a credit monitoring company that a NEW collection account was added to my credit bureau. I looked it up and it was Jefferson Capital Systems. I have contacted them asking for debt validation and have had no response. I DID NOT receive any notice from this company giving me right to validate or dispute this debt. This debt also says it is NEW and was opened in XXXX 2016 but is also in collections. That is impossible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/2016, I submitted a written dispute which included an affidavit of unauthorized opening of accoutn in my name. I have been payinng on the bill since then because it has DRASTICALLY effected my credit score and I am trying to buy a home. However, I have received no response to my valid dispute. I beleive they have not responded because I have been making payments. I am just trying to not let this effect me any more than it already has.

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 04-07-2017 about Credit reporting () with JPMORGAN CHASE & CO. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been reviewing my credit files and noticed that Chase Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a Citi checking account over the phone and I supplied a bonus code that made me eligible for a {$400.00} bonus if I deposit $ XXXX and left it in the account for 30 days. I deposited the $ XXXX on XXXX XXXX XXXX. So on XXXX XXXX XXXX I fulfilled the requirements for the bonus. The terms say that the bonus should post 90 days after the requirements have been completed. So I should have received the bonus 90 days after XXXX XXXX XXXX, which is XXXX XXXX XXXX. It is over a weeks since that date and the bonus has not yet posted. I have been back and forth emailing and calling them to no avail. I have an email confirming that I fulfilled the bonus and that the bonus should post by XXXX XXXX XXXX. However, even showing them this email they have to said they need to launch an 'investigation ' which will take up to 30 days. I do n't see why they need to investigate anything when I already have an email from them saying that I have fulfilled the bonus and should receive payment.

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 07-01-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MD).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/XXXX, I applied for a mortgage loan for a property that cost {$220000.00}. I received the terms for the mortgage. I had money for the down payment and closing cost. About a week or two before closing I received a letter in the mail stating that there was a XXXX mortgage in the amount of {$33000.00} and that the mortgage had a balloon payment that would be due in 10 years. I felt uneasy and should have pulled out of the whole deal, but was told that was the only way they could finance the loan. I went ahead with the closing and moved in. Several times during the past ten years, I have tried to refinance, modify, and short sale the property. Each time being put through months of paperwork, just to be told no. Fast forward to XX/XX/XXXX, the balloon payment is due. I owe about {$30000.00} on a loan that was originally {$33000.00}. My monthly payments were {$260.00}. I paid that amount on time for 114 months. That means that I have already paid Wells Fargo {$29000.00}! However, I still owe them a lump sum of around {$30000.00}. Wells Fargo will make about {$60000.00} on a {$33000.00} which is almost a 50 % interest rate. Basically, for every dollar I was lent, they are getting back XXXX. How can this be legal? On top of that, my first mortgage was interest only, so I have made little progress in paying that down.

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 03/19/2015 about Debt collection (Medical) with United Revenue Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: united revenue corp. account # XXXX is on my credit report and i have no idea who they are or what they are trying to collect. after contacting them in writing 2 times i have never received a response

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: After hurricane Irma, received a letter from Wells Fargo, offering a 90 days payment relief, no late payments, credit report and the option of moving the relief to the end of the mortgage. Only took 60 days out those 90 days, before the due day I star calling Wells Fargo and let them know will start my regular payments expecting those two payments get move to the end of the loan. The said it can not be possible since they only service the account and need a new application and change of my terms. I was in chock and try many times to reasoning with them, specially after they were able to move those two payments on the home equity line, even try to get the name of those investors, which they never provided, those are cheap lies and they only try to either modify my loan and reset the clock back to XXXX and start collecting huge interest on the loan, or simple foreclosure my house since I start getting many nasty and aggressive letters from them. At this rate will be force to make those payments to avoid foreclosure actions on my House. They are lairs and they only thing the do is taking advantage of peoples miseries, does not matter how long or how well you pay your mortgage.

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 01/31/2018 about Debt collection (Other debt) with Colony Brands, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a membership with XXXX XXXX for baked goods and candy delivery to my home. I returned the items they are trying to collect for and do not owe this company but they are still trying to collect and have added this collection to my credit report.

Company response to consumer: Untimely response
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I obtained a auto through Santander on XX/XX/XXXX. Over the five years I had this loan the lender charged over and beyond in fees. I paid my last loan payment and in XXXX and the lender tried to charge me a late fee. I refused to pay it. The lender has been negativly reporting for since XXXX. The balance was at {$39.00} I had it deleted from my credit report and they place it back on without notifying me first and the balance was now {$420.00}. I have tried to call them to resolve this. They are willing to accept my money but they will not delete the negative reporting history. They can not do this because technically the " charged off '' the account. They wrote this off and they want to collect money " double dipping '' Santander has been incorrectly reporting the balance on my account, I disputed and it was removed and they placed it back on my report for a totally different amount than what was previously being reported/.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: IRS contacted me about breech of 2015 tax document involving my SSN and said I could get a year of credit monitoring for this problem caused by their agency. I contacted Equifax for myself and have had no luck getting them to help. They say I have not proven that I am who I say. I submitted documents with my driver 's license and last year XXXX form along with a cover letter. After 7 phone calls, I can not get past the " protocol '' of the phone answering people who are completely uninterested in the incident # or promo codes that I have been given by the IRS to deal with this matter. I find their company cumbersome and disorganized in their phone interactions and I had similar problems trying to do this online. I want an informed person who speaks decent English to contact me so I know that my sensitive material that I have given to their " phone answerers '' is not making an even bigger problem and that I have the help the IRS says they are to give. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Federal student loan debt) with Account Control Technology, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Settled Student loan in XX/XX/XXXX-XX/XX/XXXX. Recently received notice that ACT was going to garnish my wages which started on XX/XX/XXXX. 
Called ACT to explain that the debt was paid. They said they have notes in their system about a settlement but do n't show proof. Tried to file a hearing to review but they said I need proof of settlement. I kept proof of settlement for 10 years at which time I moved and discarded many old documents that I thought I no longer needed so I do n't have the proof I need to get a hearing. 
This dept. came off my credit report in XX/XX/XXXX or XX/XX/XXXX and I have excellent credit and have n't had this issue cause me any problems since the time I settled the debt. 
I believe that a collection agency has " resurrected '' an old debt. that was, long ago ( 20years ) paid. 
I have read stories of other student loan borrowers who have had this same thing happen and I am not sure how to make this go away since I can no longer produce my copy of the paid debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are mistakes appeared in my report. I have never paid late these account ] :   XXXX   XXXX    XXXX  -  XXXX   XXXX    XXXX   -  XXXX   XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit card () with CITIBANK, N.A. (DC).
Issue: Billing disputes

Complaint: I sent up a renat a car through XXXX for XXXX. There was no cancellation penalty. They did not take my credit card. 
The XXXX folks at the desk wanted a bait and switch. At first I signed up, then rented for the original rate from XXXX and returned the papers and the keys to XXXX. 
They said that they would cancel the transaction. 

When my bill came, XXXX charged me for renting on XXXX XXXX ( when I was in XXXX ) & gt ; Citi claimed that they look into my complaint, but XXXX lied and said I booked through XXXX, The XXXX form did not have my credit card, nor my phone numbers, nor email address. Even though I showed Citi the XXXX screen shots Citi refused to consider my claim -- saying that they could process computer images which is nonsense since they used the screen shots form XXXX. I just want my money back from XXXX for a car that I never rented, on a day that I was not in XXXX!! 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Loan servicing, payments, escrow account

Complaint: We closed on our home with a BoA jumbo mortgage loan in XX/XX/XXXX. Approximately 6 months after our closing, the city sent us a notice saying that our taxes had not been paid. We contacted BoA and it was hard to get a hold of them. When we finally did get a hold of them, they assured us that they would take care of it. Now, 1.5 years after our closing, we received another notice from the city saying that our taxes are delinquent again. After speaking with the city tax assessor 's office, it seems that our taxes have never been paid in the last 1.5 years and our property is going up for auction if taxes are not paid by XX/XX/XXXX. 

We again contacted BoA, who assured us the payment would be sent by XX/XX/XXXX. They payment has not been received by the City Tax Assessor 's office. We received another document stating that our property will be going up for auction due to delinquent taxes.

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 01-08-2016 about Debt collection (Medical) with E. A. Uffman & Associates, Inc (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: repeatally attacking my credit account with same ole account that should be close.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: XXXX mortgage discharged XX/XX/XXXX, XXXX sold mortgage XX/XX/XXXX to XXXX. XXXX files bankruptcy XX/XX/XXXX. XXXX reports loan discharge XX/XX/XXXX.Loan paid off XX/XX/XXXX. XXXX reports discharge XX/XX/XXXX -4 years after discharge, 6 months after 100 % payoff yo XXXX. 
Experian refuses to correct in spite of overwhelming documentation to the contrary. 
XXXX writes they have no record of loan. 
XXXXC Has no record. 
XXXX duplicates mortgage chap XXXX discharge. 
XXXX claims issue is XXXX 'S.

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 01/23/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XX/XX/XXXX I was put on disability and my disability payments did not start until XX/XX/XXXX that was my eligibility date. in the meantime I was living off of partial pension of {$600.00} a month I called my mortgage company XXXX XXXX XXXX company to start up loan modification process I am still in the process of trying to get that modification through its been five months every time I call I get different information that they want me to send in and every person I talk to tells me to send in different items I have sent them paperwork on six separate occasions after filling out the initial application with all the necessary paperwork along with it every time I call they tell me that I need to provide additional information. Ive have been doing this for five months! in the meantime Im living off of {$600.00} a month and just started receiving my Social security approximately 28 days ago. Ive been trying to get the modification so that I have enough money to live on and I feel like theyre trying to keep me from getting the modifications so that my house will go into foreclosure .. at this time I have owned my home for 15 years and have never been late on any of my payments Im still keeping current on my payments through help from my family who has run out of money to help me with. I am at my wits end trying to resolve this issue.. I have done everything necessary on my end including keeping up my payments. at this point I am so upset and frustrated and being disabled on top of it is making my health deteriorate I need some help trying to resolve this issue with this company which is been the most unprofessional frustrating situation in my life. It is so frustrating not to be able to talk to the same person every time and also to not be able to go to a brick building and talk to somebody face-to-face .this company has outsourced their customer service to another country which creates a language barrier as well. there is no accountability, because every time I call its a different person! I am a XXXX who is XXXX living by myself trying to resolve a situation with a company that does not even know I exist I am beyond my capability to hold them accountable ... I would appreciate any kind of help I can receive in this horribly frustrating situation ..

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Making/receiving payments, sending money

Complaint: My bank of America debit card was lost/stolen/misplaced and someone has used my debit card to complete fraudulent transactions. Bank of America allowed XXXX checks to be deposited and cleared that were then realized to be counterfeit checks. ( {$580.00} x XXXX ) from a company named XXXX that I have no connection with. The checks were cleared and then the debit card was used to withdraw {$1100.00} in cash, and make large purchases at places such as XXXX and electronic stores. This counterfeit money was deposited and then taken out within an hour according to what I was told. I contacted bank of America when I realized my debit card was really lost and my online account had locked me out. Bank of America told me that I am never able to have an account with them again and that I will not be receiving my valid pay check via XXXX XXXX XXXX because my account is in the negative due to the counterfeit checks reversing. I told BOA that I would be filing a police report. I asked BOA if they can tell me the location and time of the atm transactions. I have spoken to many people and I 'm still not 100 % Positive if the transactions took place in XXXX, Delaware, or somewhere in Pennsylvania because BOA cant seem to tell. I am assuming XXXX, Delaware because XXXX XXXX XXXX is in DE, and a representative assured me there is a BOA atm inside of that casino. BOA is not helping me and do not seemed concerned at all that this has happened to me. My hard earned pay check was swallowed whole into a negative account due to counterfeit checks that BOA can barely even verify a location. I also asked if they can locate the ATM and have survelliance pulled because it was not physically me at the ATM. They said I need to deal with the police department!!! 

terrible! no help from the company that I have been using since I XXXX for them in 2014. please help ps : bank of America security questions - someone, ( probably the same individual who had my debit card ) actually called bank of America XXXX pretending to be me and submitted a fraud claim as if they were disputing these charges, ( before I was even aware of them ) My entire wallet was stolen and bank of America asks security questions such as DOB, full name, and extra security is often a driver 's license # ( I know this from XXXX there and from the fact that ive called them multiple times today and every single time I was asked for my DL 's # which thankfully I know by heart ) Making it very easy for someone with a stolen wallet to easily by pass security!!!!!!!!!!!!!!!!!!!!! My full name drivers license and DOB are all on the ID inside of my stolen wallet, and someone is easily calling bank of America and by passing security with a breeze

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