milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Debt collection (I do not know) with Credit Collections U.S.A., L.L.C. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have asked over and over for verification of debt and all accuracies of it several times and i have yet to receive verifications ... this is reporting on all 3 credit bureaus and i Have askes for it to be removed months ago and its still there despite my multiple requests and complaints ... i have no knowledge of this collection i have written company certified also over month n half ago still no responses

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 01/17/2018 about Debt collection (I do not know) with Resurgent Capital Services L.P. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On yesterday XX/XX/XXXX I received a notification from XXXX in reference to my credit report that a collection account was added to my credit file by XXXX. Back in XX/XX/XXXX I received a letter from this company asking for a said amount owed to them in which I 've never done business with this company and I never signed a contract with them. I then in XXXX sent the company a Certified letter asking them to validate this said debt and gave them an set amount of time to reply. All I received from this company was unknown statements and nothing that I asked for in my validation letter, they failed to validate. I then sent them a letter stating that they did not validate and also they did n't send what was requested. And I no longer heard from this company. Until they reported this on my credit file causing my credit to be damaged. This company violated my rights and need to remove this collection from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 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 submitted 4 dispute requests,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX in regards to tax liens on my credit report. Under the new law effective XX/XX/XXXX any public record data must include name, address, SSN and DOB in order for it o appear on your credit file. The credit bureau does not have the verifiable information and the Tax liens should be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Debt collection (I do not know) with Turning Point Solutions LLC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Advanced Capital Solutions has called my cell phone repeatedly. When I have answered, I have told them the person they are looking for no longer has this number. When I have not answered, I have called back the number left in the voice mail and told them that the person they are trying to contact no longer has the number. 

This morning ( XX/XX/2017 at XXXX, pacific ) they called yet again. There had been a long break so I thought they might have actually listened to me.. Alas, they  have not. 

The number called from : XXXX. The message left was from " XXXX XXXX '' and the number in the voice mail was 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 04/14/2015 about Debt collection (Medical) with EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Evergreen professional recovery has repeatedly called my place of employment in an attempt to get ahold of me after I explicitly told them not to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing a complaint because EQUIFAX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Consumer Loan (Installment loan) with Atlanticus Services Corporation (NC).
Issue: Problems when you are unable to pay

Complaint: Comapany block customer for 7 days before making another payment. I have called and was told to wait 7 days. If consumers ca n't make payments, IR balance will increases. This customer is forcing consumers to pay more money in IR not fair and very fishy..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/14/2016 about Credit card () with TD BANK US HOLDING COMPANY (AZ).
Issue: Unsolicited issuance of credit card

Complaint: Target opened a red card ( credit card ) in my name without proper authorization. It was a fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I opened a secured credit card with  Wells Fargo , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it down to {$110.00} only because I disputed it. Those action lowered my  credit score.  And I have yet to receive any letters on what happened with the deposit.

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 09/15/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: They have takem {$1400.00} dollars from me for the last 4 years. They where never my mortage comoany and been sending fraudlent papers to my home. Never helped me lower my payments and increased fees, wuthdrew escort payments, and charged me a pmi every month. They avoid my calls and never answer my emails.

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 10/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I am facing a foreclosure sale by my mortgage lender Bank of America. I have gone through major hardship the last few years and was hopeful that they would negotiate with me fairly, but instead they have ignored my repeated requests for assistance. I am a single mother raising XXXX boys and this is a bank that received billions of dollars in bailout money from the government. This is not right. 

I bought my home in XXXX. At the time my husband worked full time and was the primary source of money. I worked several part time jobs. Not long after I bought our house my husband was arrested and went to jail. I suddenly had to not only raise the children but was the sole source of income. I was able to make ends meet for one year, then I lost XXXX of my XXXX part time jobs. My husband was released from jail but was XXXX, and I was in desperate need of help. I fell behind on my mortgage first in XXXX and tried to get Bank of America to work with me but could not make any progress. I did not give up and was able to find new work and somehow balance this with taking care of my boys. I eventually came up with {$17000.00} and paid this money to Bank of America so that I could get back into good standing with them. They gladly accepted this money. I told them that I needed help with my mortgage because there was no husband helping with the bills anymore and that I was barely making ends meet. Since I had paid and gotten caught up Bank of America did not care to help me. 

I ran into more problems with my employment and once again could not afford the payment and fell behind. I applied for a modification from Bank of America but could not make any progress. I called in many times and it seemed like all I did was play phone tag with the people there. They were not serious about helping me and I spent so much time trying to fix this issue but nothing came of it. 

I am very worried because they are now trying to sell my house at auction. I have a good job at the XXXX and they are increasing my hours. I can afford a reasonable payment if Bank of America would give me a chance and be reasonable, but instead they ignore me. When things were tough I did not give up, I got new jobs and worked hard to pay back Bank of America. I told them I needed help but they ignored me. I do not want to lose my home, I have XXXX boys to take care of and I fit into the rules for these government programs. If Bank of America would take the time to review my information they would know this.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
They should begin to rectify this heinous breach by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident, regardless of their " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Making/receiving payments, sending money

Complaint: I just noticed that i get charged an interest rate charge for making a payment transfer from my checking account into my credit card account ( online, both accounts are with BOA ). 
For the past 8 months or so ive been paying a regular {$150.00} a month into my credit card. Thinking everything is ok i never really checked unit today, turns out the actual value of my payments were only {$50.00} because the other {$100.00} have been charged to me as a transfer fee. If thats not stealing, I dont know what is. 
What is the point then of having multiple accounts with this bank if you CAN NOT use them with each other? BOA always makes that argument, saying it is good and beneficial to have multiple accounts with them. This proves that this is a lie of theirs and that they are crooked thieves. I might as well have an account in a different bank and pay from that bank into my credit card, that way their transaction fee is justified. 
Most ridiculous thing i have ever heard, I wish i was not banking here anymore. 

Yes some might argue that I should have read the policy or that i should have been checking from the beginning, its not the banks fault. I would say that is why the USA is the way it is, you keep supporting crookedness. 
I did what almost all Americans do, I did not read it true and did not check, but that does not make it right. BOA even makes it so clever and easy for you to be charged this fee, online they 've placed a button that says make payment, once you click it easy lets you select what accounts you want to pay with, and I always choose checking, well this grants you this so called interest transfer fee. 
If was told about this fee when applying for it, because there was an agent there whom helped me and answered all my questions, I would have never opened the CC account. 
Like i said Most ridiculous thing i have ever heard, I wish i was not banking here anymore. I will pay off as quick as I can and get out of this bank. 
Thank you BOA, you 've finally proved to me you are the worst and to think i ve been with you for over 11yrs.

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 12/18/2015 about Debt collection (Medical) with BYL Collection Services (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: BYL Management Services LLC submitted XXXX collection notices to my XXXX credit report regarding bills from XXXX XXXX XXXX sometime between XXXX/XXXX/2015 and XXXX/XXXX/2015. This was after a representative from the NJ XXXX XXXX had contacted XXXX and informed them that they would be paying any outstanding debt on my family 's behalf after their meeting on XXXX/XXXX/2015. I ( 1 ) had never received a bill from XXXX showing this balance, ( 2 ) show a XXXX balance when I access their website and ( 3 ) never received notice from BYL XXXX XXXX stating that I owed them any type of debt prior to them placing a collection account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted PHH Mortgage on XXXX to cancel my FlexPay agreement as I was refinancing my loan, which was scheduled to close XX/XX/XXXX. On XX/XX/2016 PHH processed my XX/XX/XXXX FlexPay Payment anyway, which not only put my account in jeopardy of being overdrawn and required me to take out a payday loan, but when I called to dispute the charge, I was told that they had no record of me rescinding my FlexPay ( but yet, they somehow knew about the upcoming refinance ) and said they could not refund my money without a letter requesting reimbursement and a copy of my bank statement showing the payment had cleared my bank, and then it would take up to 10 days to " process '' a check. They refused to electronically credit my account even though they electronically debited my account, and they were reluctant to overnight a refund but agreed they would upon receipt of my request for reimbursement. I sent my letter and bank statement to the fax number PHH provided to me on XX/XX/2016. I attempted to call and check on the status of my fax on XX/XX/2016 and was disconnected and then conveniently when I attempted to call again I was placed on eternal hold and then received a recording telling me they were now closed. Today, I emailed PHH demanding status and action, as they continue to be unresponsive, but have no confidence despite my growing frustration and demands, that they will attempt to correct their mistake with any sense of urgency. My refinance has since closed and the original loan has been paid in full as of XX/XX/2016, which means, in addition to the unauthorized debit to my account on XX/XX/2016, there is now an over-payment on my account that PHH has not processed. As a last resort, I have filed a dispute with my bank, and am filing this complaint in an effort to get some action or response from PHH so that my account and the extreme financial hardship and burden this deduction has placed on me and my family, can be promptly 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 10/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my score is suffering as a result. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. They said that they would delete them all but only some were deleted. And I never received an updated credit report.

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 10-06-2015 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Due to financial hardship contacted USAA to obtain mortgage assistance in XXXX 2015 *before mortgage was late. Submitted workout package in XXXX 2015, received misleading information from Loss Mitigation Department advising that account must be 3 months past due prior to approval. XXXX XXXX, 2015 received denial for forbearance, repayment plan or any other type of assistance. On XXXX/XXXX/2015, Submitted 1 month payment. Received no calls or correspondences. I checked account via online and noticed that it was not credited. Contacted USAA and was informed that it was returned by USAA via USPS mail on XXXX/XXXX/2015. I continuously called every day to check on the status and they repeatedly stated it was returned on XX/XX/XXXX via USPS mail. It was credited to my bank account on XXXX/XXXX/2015. Then, USAA demanded 2 months payment by XXXX/XXXX/2015 to stop acceleration process. Payment made on XXXX/XXXX/2015 ( {$3600.00} ). USAA sent certified letter stating that they are going to foreclosure on our home and demanded another {$4000.00} to avoid foreclosure. Documentation provides XXXX different toll free numbers for assistance. Called all XXXX numbers and each number is to a different company : XXXX or USAA. Receiving phone calls up to XXXX a day. Answer each call and the representative tells us to disregard call. I would like resolution and an honest answer from USAA and XXXX on what is the status of the account and if they plan on working with an active duty service member on a repayment plan. I 'd appreciate a cease to the threatening daily letters and phone calls considering that I have met all of their demands to date and unfortunately they have not honored their agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Consumer Loan (Vehicle loan) with CarMax, Inc. (FL).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/2015 carmax charged me twice & its on my bank statement & I faxed them a copy of the charges. They are still declining the double charge. Check # XXXX is an unathorized charge. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  is reporting that payments of {$320.00} on the months of  XXXX ,  XXXX ,  XXXX , and  XXXX  all as being 30 day late.   A formal debt validation request was sent out to  XXXX   XXXX   XXXX  on the dates of  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  with no response.   Calls were also made in  XXXX  of  XXXX  but I was told that they though they could see that the payments at that point were indeed not 30 days late there was nothing that they could do to help and that I would need to go through some other means to get the report removed from my credit report but could not give me the information on what that would be.

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 10/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Iam filing a complaint against Navient department of education loan servicing. I have been a student since XX/XX/XXXX, loan repayments are not due until you finish school. Right now Iam under the loan forgiveness program because Iam unable to start making payments. I have called every month for the last 5 years to indicate if I need I am able to make the monthly payment or if an extention is needed but the agent forgot to update my account and now my credit report is showing XXXX derogatoring marks, that is drastically affecting my credit. Navient is reporting that I have XXXX late payments for XX/XX/XXXX, and that is not correct. I have tried contacting them sending them letters to fix and delete the mistake made by their agent and I get no response from them! I have asked them in several occasions to please mail me the copy of my forbidance letter and they never do!! All they send is a summary of the bill.

Company response to consumer: Closed with explanation