milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2015 about Debt collection (I do not know) with Maury Cobb, Attorney at Law, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: this company call my place of employment XXXX times a day it is always an automated system it states my name and continues to state this is a law firm attempting to collect a debt and it provides a number to call back, every time i call the number to find out who this is and why they are calling to my knowledge i do not owe any debts and never recived any notices of collection to my home or job.. i have never been able to speak to a live person the number they provide goes staright to a voicemail and asks me to leave a message and a call back number

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 04/24/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (KS).
Issue: Loan servicing, payments, escrow account

Complaint: I built a house in XXXX when the house was finshed I received a mortgage with XXXX XXXX Bank which sold my loan to Washington Mutual. Which filed for bankruptcy I 'm not sure of the date of the bankruptcy filing but at XXXX/XXXX/XXXX my balance on my mortgage was XXXX. Not sure of the date but Washington Mutual was ether sold or given to Chase on XXXX/XXXX/XXXX the balance on our mortgage was XXXX do n't know the exact dates we have been told are home is going to be forclosed on sold on the steps of the steps of the court house for not paying are taxe 's all the time we had over {$12000.00} in our escrow account.On appox. XXXX XXXX Chase sold our mortgage to XXXX with a balance of XXXX on XXXX/XXXX/XXXX they gave us a loan modification 4.25 % for 40 years I would be XXXX and my wife would be XXXX XXXX XXXX. We went to our local bank were we have been banking for over 20 years were given a very good loan at 5.5 % for 15 years XXXX said our payoff on our mortgage was XXXX. I been paying on this loan for 20 years and owe more on it then when I frist took it out.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Medical) with Account Management Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: this was paid either by my health insurance or fed workers comp

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 04-05-2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION ().
Issue: Using a debit or ATM card

Complaint: To Whom it may Concern ; My name is XXXX and my husbands name is XXXX. We have been banking with USAA for about 10 years with no issues but currently we are experiencing a problem with Fraud and USAA emptying out all of our accounts to cover the offset the amount of the fraudulent activity that has taken place out of the State of XXXX. 
We notice our situation on the XX/XX/2017 when we discovered through our online banking account multiple electronic deposits happened on XX/XX/XXXX and XX/XX/XXXX totaling up to around {$20000.00} were made then multiple ATM cash withdrawn totaling up to {$20000.00} within the matter of hours from one of our checking accounts. Since my husband and I are the primary account holder they have taken all our money in all of our accounts to pay for the fraudulent activity not committed by any of us. I tried going onto my account to print out those transition in order to file a police report but my online account access was locked and was told I can not have access till an investigation is completed by their fraud department. A USAA representative stated these transactions are made from our sons account which is a Sub-account under our primary account, we are held responsible for any transactions even if a fraud claim has been made. USAA made it clear to my husband and I that we have to cover USAA 's lost. 
After much research very similar situations have occurred with other USAA members having their accounts wiped out by USAA to cover for fraudulent activity out of the State of XXXX. The exact same situation, same account fraud type, and same response from USAA. I do n't understand how is it that if USAA have a cash withdraw limit of {$600.00} per day but allow multiple {$1500.00} withdraw in a matter of hours. This wiped out my son 's paycheck. My husband and I are XXXX and my son is XXXX in the state of XXXX. And now they are holding our funds as well. USAA was are primary and only bank. I have nothing and is using credit cards to manage till my husband and I get paid again. Till this is settled, we had to open up a new bank account to ensure our future income/ funds are not depleted. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Debt collection (Credit card) with Weber & Olcese, PLC (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I had a debt with XXXX I had been paying. I had a car accident and became temporally XXXX with a XXXX and was off work for a long time. I finally got back on my feet but have some medical issues with some things that I need help with still. XXXX sold my debt to XXXX who I had been paying until I could no longer. Then they got Weber and Oclese to recover a large amount from me. I started paying on the debt in XXXX 2015 again. I asked them to accept what I could pay and I would try and pay them often until the debt was paid. They kept telling me to call. I did not wish to call because I need everything in writing. I continued to pay, and got a receipt from them thanking me for a payment of {$25.00}, {$100.00}, {$32.00}, {$12.00} payments starting in XXXX with an explanation BUT THEY STILL CONTINUED TO serve me with a summons. I kept paying and kept asking them to drop it and work with me on a plan. They ignored my requests after I told them that I could not pay a large amount and even though I was paying, they proceeded with got a garnishment with my local court and theirs to now lock onto my tax return even though I paid the debt in full! Now they say I owe them {$480.00}! 

The date of the first summons was XXXX. I had started in XXXX paying on this debt.I have submitted several receipts and continually asked if they would drop a pending summons of wage garnishment because I had been injured in an auto accident and was trying to get back on my feet. I have since found several medical problems from my injuries. I have other bills to pay but had also been trying to pay them. The requests went ignored and they kept telling me to call. Since I had a XXXX in the accident I got help with figuring out my finances. I could not call them because I get confused easily so my father had filed a complaint. It went ignored and they accused my father and mother of filing the complaint. They proceeded with a garnishment not only of my tax return but a judgement ruining my credit, even though I was paying on and paid it IN FULL OF {$440.00}. now say I owe them $ XXXX only had the {$440.00} and that is all it said on the website to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank ( 1 ) Opened multiple account when not necessary, ( 2 ) charged fees on accounts that were supposed to be " free '', and ( 3 ) charged " Direct Connect '' fees, but called those fees as " QuickBooks '' fees on my bank statements when I never used the Direct Connect service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: I was tied ti my daughter student account with additional checking and savings. My daughter was only allowed to use the ATM with her student account. In doing so she deposited a check through the ATM which was a fraudulent check she withdrew {$200.00} at that time. I was in another state when she was doing this at college. Since it was a fraudulent check all of our accounts XXXX of them were closed and filed with companies so as to never open up an account again with any other bank. I have since lost XXXX jobs because of this filing and I 'm not able to open up my company again because I can not open up banking account. I need help with this resolving as I have tried to fight with first response and security companies to allow me to make a living I am now destitute. I can not find myself to make a living to feed my family. I 'm a single parent and had a woman own business. please help me to put my life back together.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (I do not know) with Seattle Service Bureau, Inc (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I recently was denied credit due to a delinquent bill. National Service Bureau is negatively reporting a collection that does not belong to me. I filed a police report with the XXXX Police Department. Identity theft report # XXXX and Report # XXXX with investigator XXXX. I was a victim of identity theft and I do n't owe this debt and I would like this item removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016, I mailed Registered Mail ( # XXXX ) to Nationstar Mortgage and it was received and sign for on XXXX XXXX, by XXXX XXXX XXXX. A STATE CERTIFIED BOND ASSIGNMENT was enclosed for the amount {$230000.00} to payoff the loan, with the payoff statement. Nationstar Mortgage acknowledged that payment was received and the account was never credited and closed. Nationstar Mortgage have not sent my Bond Payment back to me, the account should have been adjusted to SATISFACTION IN FULL., to this day, it is not. I would like to have my money back or adjust the account and closed it. UCC XXXX, states if a tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, the debt is discharged. Please investigate, there is some fraud taking place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: failure to abide by fcra. 
continued failure to comply w previous complaints. 
continued " updated '' files which canot be proven accurate and nothing was sent my way from either the bureau or these companies within 30 day limitation. 

refuses to remove all reported adverse accounts. 
refuses to remove accts closed under fraud statute which should be deleted. 
accepts fraud from companies violationg cardholder agreements etc.

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 07-08-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a dispute regarding the retention of a tax lien on my credit report that has been paid and released. Because Equifax continues to report the lien although it lists the lien as paid/released it continues to be a derogatory notation and negatively impacts my credit score. Both the IRS and the Records Department stated that they Do Not report to the credit agencies and this old debt has nothing to do with Equifax there is no one to discuss the matter with ( IRS ) or ( XXXX XXXX XXXX XXXX I have no recourse and am at the disposal of Equifax and it has No stake in this matter and only serves to be a noose around my neck. 
The other CRAs have deleted this derogatory information and there is no reason that Equifax should not delete the information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Auto) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted XXXX regarding a loan that I had with Springleaf financial as of today I have disputed it with all the credit agency and them numerous times that issue that I have is that in XXXX 2016 they said that I made a XXXX dollar payment on my account which I have not paid a dollar on the account the account is in accurate the amount owed is in accurate the timeframe is in accurate and the whole account is just wrong they refused to remove it they are very very rude I 've asked them to validate the debt and they are not doing so they just keep updating the information I do not owe the {$740.00} the account balance from the last record that I had was XXXX dollars they will not tell me where they arrived at the {$740.00} they will not provide me any documentation showing any information about the debt all they give is the date and the amount that 's it

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: INQUIREIS ON MY EQUIFAX ACOOUNT I DONT HAVE KNOWLEDGE OF FROM 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 XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I JUST PURSCHED A CAR IN XX/XX/XXXX SO I DONT  KNOW WHERE THESE INQUIRES CAME FROM BEING THAT I ALREADY HAVE A CAR FINANCED A YEAR PRIOR AND THE COMPANY IM WITH HAS THERE OWN FINANCING. I HAVE REACHED OUT TO EQUIFAX AND THE COMPANIES WHO SENT THE INQUIREIS BUT HAVE NOT RECEIVED A RESPONSE AND CAN NOT GET THIS RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I reviewed my TransUnion credit report several months after a Chapter XXXX bankruptcy discharge and found numerous errors, so I filed a written dispute via a detailed certified letter. Not only was a lot of my personal information incorrect, the main issue was that the creditor accounts discharged were still noted as delinquent and every trade line contained negative information. Since accounts discharged in bankruptcy are only allowed to reflect this wording and a XXXX balance, and no other negative information can be shown on the account 's trade line, I filed the dispute mainly in regard to the accounts in question. When I received the reply from TransUnion, it was very apparent that no one read my very detailed letter nor did they pay any attention to the meticulous documentation ( my bankruptcy discharge, the creditor matrix and petition ) I enclosed because they did practically nothing to correct the errors in my report. Other than deleting the wrong addresses and some of the incorrect phone numbers listed in the file, nothing else was fixed. They even created a new error by removing my current employer and adding a previous company that I worked for 15 years ago in it 's place! Each of the creditor details were the same and included the very same negative remarks that were there in the first report I reviewed. I spent hours and so much time putting together the package that I initially sent them with notes and back-up documents the first time around to actually have things fixed. I just want it corrected once and for all. I 'm trying to put my life back together. After a bankruptcy, you take the hit by having that public record notation in your file for 10 years. Every trade line in your credit report gets " Bankruptcy '' added to it, as well, but they do n't get to keep any of the balances, delinquency notes and collection remarks, on top of it. Is n't that why you went down the bankruptcy path in the first place - to wipe those slates clean? So in closing, I just want the errors and delinquency information appearing in the trade lines of my TranUnion report fixed once and for all. I have attached a copy of my dispute letter along with the first credit report I received from TranUnion with all of the errors highlighted, the supporting documentation, and the so-called " revised '' report I then received from Transunion. Thank you in advance for your time and assistance.

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 07/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: For months I been asking for Qualified Written Request from time back in XXXX. I still have not receive anything from Wells Fargo. I receive no letters from them to what I had ask for. Now they have been way pass the 60 days mark from providing me eveything I ask for in the QWR. I needed updated information on my account. Wells fargo is refusing to complay with my request and saying they send me the information on this awile back. Which was years ago. Which is not current information. Nevertheless, they did not provide everything back then on what I requested from in the letter. What was sent to me years ago and not current information.

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 10/21/2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (MI).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Citi student loan was sold to a government loan. It has been 7 years since XXXX/XXXX/2009 I disputed this to be taken off my credit report with all the credit report agencies. Instead of removing this old account that is 7 yrs old which is a violation of the fair credit act. That 's suppose to protect consumers. The reporting agencies made it like it was a new account and just said I was disputing the item. It had been closed for 7 yrs. now since they did that it made my score on XXXX, XXXX, and XXXX go down XXXX points or more. Please help me to remove this account from my credit reports so I van continue to work building my good standing credit with no late payments. Thank you for your help on this matter.

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 03/27/2017 about Other financial service (Credit repair) with BLUE WATER CREDIT, LLC (CA).
Issue: Advertising and marketing

Complaint: After reading all of the positive reviews from other clients that have used this service, I hired this company in  XXXX  to assist me in improving my credit and credit scores. Each month this company would send out dispute letters to all  XXXX  credit bureaus to dispute information on my credit. After 6 months of using this company and paying {$150.00} a month, I have not seen any significant changes in my credit or scores. When I first began with them I was advised by the credit  counselor  to pay off some of the collections on my report. I paid them off and did exactly what was advised. I followed up with the advisor on occasion and was told that some of the bureaus are difficult to work with as far as getting deletions removed. I also spoke with the owner of the company and was told that most customers see a  XXXX  % improvement in their credit. I only have a  XXXX  % improvement in the time working with this company and am disappointed in the results. I feel like the company false advertises and it makes me question the reviews from these other clients. I have been working diligently and doing my part and I have invested {$650.00} to see barely any improvement. When I spoke to the owner, he told me that they would do an over all analysis and recommend if I should continue with the company. I am disappointed in that response because if I walk away now, there goes the {$650.00} that I invested so far. This is unfair customer service practice and I have wasted a lot of money on something I could have done myself. I just want my money back and will repair my credit on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (WA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They have called at XXXX in the morning to sometimes XXXX at night, when I answer, no one will say anything, they just hang up, they call 5 to 7 days a week, will not leave a message and sometimes I will hear music in the background. I have asked them to stop calling if no one will answer and they continue to do so. I have checked sites where there is complaints about this happening to them with this same number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Debt collection (Mortgage) with U.S. BANCORP (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal TransUnion credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!

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 03/24/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt is not mine. I spoke to the billing department and I do n't owe anything. Never been to this hospital. There is no medical record of the date and service that the collection is for. I never lived in the address that the collection has on file. This collection is invalid or another person did it not me. I have medical insurance there is no way I would a have a bill like 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