milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Debt collection (Medical debt) with Healthcare Collections-I, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Health care collections i attempting to collect on debt that is over two years old. They removed it from my credit reports and now are trying to re attempt to collect it. There are two things wrong this, one i had insurance that was never billed, two you can only attempt to collect on a debt for XXXX  and medical debt and only report for three years in the state of az! This is again the FCRA and i want this item removed i have also sent a cease and desist letters and this complany is still contacting me. Not only did the bill inaccuratly now they are trying re 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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a  3rd  party agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.

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 05/28/2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Rushmore Loan Management Services LLC, a debt collector and servicer of the mortgage, on several occasions have authorized XXXX XXXX XXXX, to change the locks on my property. XXXX XXXX has illegally locked me out of my home, by breaking the lock, entering the home, removing valuable items, clothing, jewelry, removing food from the cabinets, etc. and replacing the lock on several occasions, leaving me unable to enter the property upon return which is late at night. I 've had to sleep in my car because of the illegal lock out. I 've replaced the lock at least three times in the past four months, at a total cost {$75.00}. I 've called and spoke, to both XXXX XXXX XXXX, the party who does the lockout and Rushmore to the manager on the account. The first lockout, I changed the lock and entered my property, which was then removed. On the second occasion, I called XXXX XXXX XXXX to inform them that the property is not vacant or abandoned. I was referred to Rushmore. After speaking with the manager on the account, he advised that I meet with their representative at the home and provide identification prior to be given the keys from the lock box to enter my home. I could not meet with them since I would have to leave my job to do so, and to be on their time frame. So upon return to my property, I again changed the lock and entered my home. This was again replaced by XXXX XXXX on XXXX XXXX, 2015. I have since replaced the lock and have placed trespassing signs on the property. Furthermore, on XXXX/XXXX/15 I have written a Cease and Desist letter to both Rushmore and Field Asset Services. The home is in foreclosure, but the debt collector has not proven that it is the proper party in the case, thus, the case has stalled and there is n't any activity on the case as of to date, and there is no judgment. This is very stressful and uncomfortable, because when you leave work and decide to drive 2 hours to get home and find the door lock changed, and you have to sleep in the car, as I 've had to do, this illegal activity must be ceased. I am hoping that Rushmore and XXXX XXXX XXXX comply with the Cease and Desist letter. I hope this agency can be of assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Unsolicited issuance of credit card

Complaint: I applied for an XXXX Signature Visa card, but was not immediately approved. Without my consent or knowledge, Bank of America issued me a Visa Platinum card instead ... without nearly any of the sign-on bonus or benefits of the Visa Signature card I applied for. The point is that I applied on the website for the Visa Signature card and was automatically issued a lower-grade credit card without my knowledge. I did n't know until I received the card in the mail, despite checking the application status website daily! The website also at no point indicates that I might be assigned a different card. This is a blatant example of bait-and-switch by Bank of America that has left me ineligible for future sign-up bonuses from 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 04/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: GreenTree Mortgage LLC offered me a Mortgage Modification Trial Period Plan ; however, their offer was dated XXXX/XXXX/14 and I received it on XXXX/XXXX/14, the same date the XXXX payment was due. Their envelope was not postmarked so I could not confirm the date they actually mailed it. Because I could not confirm the date they mailed it and I received it so late, I could not trust their offer was legitimate and therefore I did not make the XXXX payment due XXXX/XXXX/14 which is the same date I received their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (MI).
Issue: Managing the loan or lease

Complaint: My complaint is directed towards Regional Acceptance Corporation. I have had a loan with them for two years. My outstanding balance is not going down at all and they charge {$10.00} per day that the payment goes past the due date. In my particular situation, I had poor credit due to a loss of a job which in turn I lost my house, car etc ... ..this is the only company that would accept me, this is something I HAD to do as my mother was ill and I had to travel long distance every weekend to care for her. I lost my mother in XXXX of this year and due to the travel back and forth became late on my payment, I have never been 30 days but sometime close. My monthly payment is {$500.00} on a XXXX XXXX XXXX, now they are charging {$10.00} PER DAY late fee plus their late fee, the loan is not moving! It will never move, I will be paying this for the rest of my life! My credit is now in good shape, I just received an approval letter for a home loan, I tried to get a modification with Regional Acceptance and they said they do not do modifications! I was approved with my credit to refinance for {$200.00} less per month BUT my loan is under water and no one will touch it! The car value is approximately XXXX and I owe XXXX!!!! This is out of control! It has to be against the law somewhere for these people to take advantage like this. They are all over the web with similar complaints.

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 05/26/2017 about Debt collection (Other debt) with The TRAF Group (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A1 debt collectors tried to collect this debt with 2 letters sent. The first letter was lost, the second I received I tried to call to understand what the debt was. I never signed a contract with the original company, and second the company HAS never sent me a bill at all. When I contacted A1 the man I spoke with would not stop talking so I could ask how I never even received a bill and now you say that I owe. I discontinued the conversation, I sent a debt validation letter asking for contracts signed, where were the bills sent that the company says they sent that I never received. When I received their reply it was nothing more than they say the company says I owe the money. I NEVER once received a bill, had I received a bill we would not be at this point. I have all the paperwork between A1 and myself, I am sending a second debt validation letter asking for the pertinent information that says I signed a c ontract with my signature and also when these so called bills were sent that I never paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX hard pulls in my credit reports that I did not authorize. XXXX are from before I turned XXXX. Also, on XXXX of my credit reports there is an address that is not/was never mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Transaction issue

Complaint: I was a memeber of XXXX. I used my XXXX credit card to pay my share of the monthly membership dues, {$100.00}. There is another woman on my membership who pays the same amount, as we split the cost and membership. My membership was suspended on XXXX 2015 because I did not pay for a part for a boat i was using and they said I damaged it. I called XXXX XXXX on XXXX XXXX, 2015 and told them I was disputing the XXXX and XXXX charges XXXX and do NOT allow them to charge my credit card any more! I then called XXXX and left a message stating I disputed the charges and to stop charging my credit card! XXXX XXXX allowed them to keep charging my credit card til XXXX! I have been going back and forth with XXXX XXXX to get my money back. It 's always a different story with them. They told me '' when you called it was after hours so you talked to customer service not the dispute center. So someone dropped the ball there! I have all my documentation, voice messages from the owner XXXX, still I have not gotten a full reimbursement almost a year later!

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I applied for a loan with XXXX XXXX XXXX and learned that multiple inquiries were listed on my record. I have not and did not authorize the companies listed below to extend credit. Please remove the inquiries identified in my file. 

XXXX XXXX XX/XX/XXXX / XXXX Account XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX/XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - 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 non-monetary relief
Consumer complaint received 04/14/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: ( I have no idea what your question about a " final response '' means in the context of Experian 's wanton & routine violations of the law. ) Earlier this year, I requested a copy of my Experian credit report and have not received one. I completed the form for a free copy on the CFPB 's website and mailed it to the address indicated. This was a few months ago now and I have not received a copy of the 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 non-monetary relief
Consumer complaint received 06-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have submitted several disputes and letters to Transunion regarding inaccurate information they are reporting on my credit file for XXXX and XXXX XXXX XXXX Credit Card. I have sent them proof from my bank showing timely payment being made on both accounts going back to 2015 yet they have n't responded to any of my letters. The inaccurate information has caused my credit score to drop and I want it removed ASAP!

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 12/27/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I want a account that is fraud reporting to credit file to be removed ASAP. No signed contract. No signed agreement. Not mine. The company Portfolio Recovery has placed their information against my social security number and it 's causing great harm to my credit report. I have tried to explain to this company that this joint account ( ending in XXXX ) is not mine I have not signed a contract with them. This account is fraudulent and was made on the internet without my consent. I tried to explain to this company via online and through the credit reporting agencies that this does n't belong to me or the joint party involved. They only sent me a bill with no signature on it. No copy of terms of the agreement per my request. no transaction history and limited billing history which shows some crazy balance amount. This is on my credit profile and it is holding me up and it 's not my responsibility. This company is a scam and does n't care about consumer rights. I am not able to pay this account as it 's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted discover about fraud account opened in my name. They did not get back with me and refused to do anything about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Their customer service would not help and take care of the negative inquiries reporting to my credit report. I even sent a letter asking for removal. 

Inquiries for removal : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  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 12/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I submitted the online form to request my credit report annually at the very end was denied access to view my report and was given instructions another options to view

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 04/21/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is in addition to Case number : XXXX received a Letter from Bank of America requesting more time to provide a answer regarding Lender. Not only did I get a Letter requesting more time, I also received a letter about a Loan Modification. I ca n't express enough that there will be no Loan Modification. Why?? Bank of America can not even address America 's Wholesale Lender, A Corporation existing under XXXX Law in 2007. Nor can they address the fact America 's Wholesale Lender " A Corporation '' " A Lender '' does not exist in XXXX and is not a Corporation in other States as well. " America 's Wholesale Lender '' The Lender to the deed of trust and to the Promissory Note is clearly a dba, Trademark Name, or fictitious entity. Problem is, Bank of America wishes me to believe that XXXX is the " Lender '' on behalf of XXXX XXXX Asset Backed Certificates. Trustee and Lender are not the same in this case. Especially when XXXX XXXX XXXX with XXXX has written that XXXX is not a Lender, XXXX does not own Loan or Property. Bank of America knows this is true. Therefore, I ca n't understand why Bank of America would even assume that they can just choose who they want to call out as " The Lender '' My Deed of Trust and Promissory note on XXXX XXXX, 2007 were written as America 's Wholesale Lender " The Lender '' A Corporation under XXXX Law. Bank of America how did you get standing to transfer, assign, convey to XXXX or XXXX? A fictitious entity, assumed name, is not a person, is not a legal business. According to Tax Comptroller of Texas, America 's Wholesale Lender, dba does not even have a Tax ID. OCC states America 's Wholesale Lender a DBA, Banking Commissioner, America 's Wholesale Lender, a dba, XXXX County Clerks office XXXX, Assumed name Certificate America 's Wholesale Lender dba. 
There must be a Rabbit in the Hat somewhere for Bank of America to convey property when the Lender " America 's Wholesale Lender '' is a dba name ( Countrywide Home Loans dba America 's Wholesale Lender ). XXXX denies being Lender, furthermore, I have never entered into any contract with XXXX XXXX. I have no DOT or Promissory Note which calls out XXXX XXXX as my Lender. No more time is allowed. Denied. You have no more time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Consumer Loan (Installment loan) with Duvera Billing Services, LLC (NV).
Issue: Managing the loan or lease

Complaint: Since receiving the loan, Duvera Financial has made numerous mistakes with my credit card not going through. The very first month, they input the wrong expiration date, which put XXXX returned payments on my account. There was also a card charged on my account that I do not own. Due to the returned payments, I was taken off the " 90 day '' plan and am now being charged daily interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion file number is XXXX. The Transunion credit report dated XXXX/XXXX/15 has numerous ( at least XXXX ) charged off authorized user accounts that should have been removed. I am not legally responsible for repayment, nor am I under any legally binding contract with any of these authorized user credit cards. In fact, both XXXX and XXXX has removed these accounts immediately upon dispute.

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 07/15/2015 about Debt collection (I do not know) with ZWICKER & ASSOCIATES (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company yes keep calling already told then not to call animore but they yes call more than twice a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage with PennyMac. In error, I did not notice that they had been escrowing $ for my insurance of which I had on the property until the took an additional {$500.00} with my XXXX payment. My error. I have called them along with my insurance company repeatedly regarding and my insurance has sent over the proof declaration page multiple times. Every time I have called they say they did n't receive it, even once when I was assured the rep was on the phone with my insurance and would not hang up until she saw the fax. Well that was not true as we had to send again the week later. Also they say they take notes, but then they have nothing regarding. After numerous calls and runarounds, I was assured XXXX/XXXX/15 that I would be receiving a check for {$1900.00} from XXXX # XXXX and to call back today to see when it would be processed. Now after multiple runarounds, I am told that they do not have it, they have a 90 day binder and that is not enough to release the funds which 100 % contradicts what they told me last week. So again, I have to contact my insurance company to send them over a new declaration. They have had the documents no less than 3 times of what they needed. They are STEALING my money I am owed and was promised I would get on my phone call last week. I assume they are filing it to the wrong loan or something, because they can not get it right! I have spoken from the names I wrote down to XXXX # XXXX, promised call back, did n't, XXXX # XXXX promised would stay on hold with insurance company until she had correct form, have spoken to XXXX XXXX, today was XXXX who swears they only have 1 document which is wrong. This does not include the numerous calls my insurance company has made with them as well to straighten this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation