milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Upon checking my yearly credit report, I noticed XXXX collection accounts that were being reported by Commonwealth Financial Systems. I sent a letter to Commonwealth Financial advising them I have no knowledge of these alleged debts and I would like to be able to validate them. I received a letter back stating they were n't able to locate an account based on the information I provided in my letter. I was able to locate account numbers for these debts on my credit report so I sent them another letter listing those account numbers, in response. 10 days after I sent my second letter ( including account numbers ) I received a letter from this collection agency attempting to collect payment on these alleged debts. The letter I received states that these accounts have been placed with this agency and I would need to notify their office within 30 days if I would like to dispute the validity of these debts otherwise they will assume these debts are valid. Before I saw these collections listed on my credit report I had never heard of Commonwealth Financial Systems and I had never had any communications with them. At this point, it has been well over 30 days since I sent my first letter requesting validation on these alleged debts and to this day I have not received anything to validate them ; however, they have started sending me letters attempting to collect on these debts and that only started after I asked for validation. I have no information on these debts other than what is reporting on my credit report and even though I have n't been allowed to verify these debts are valid they are still reporting and damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX sent me a collection notice regarding an account that was clearly fabricated. It does not appear on my credit report, and I never opened this account nor did I agree to assume this debt. 

The original creditor they cite - Citibank N.A. XXXX-Consumer -- is not associated with the IIN/BIN Number number cited ( XXXX ) -- and is in fact associated with a DEBIT card, not a credit card. A cursory check of the facts by XXXX would prove that this debt record is completely fabricated. 

It's clear that they are trying to collect on fake debts, and someone needs to stop them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2015 about Debt collection (Credit card) with Webcollex, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I began to receive calls, in XX/XX/XXXX, from CKS, from debt collector XXXX. XXXX who threatened to take legal action. From there on, I kept receiving calls from CKS from an automated dialer, which was done without my express or implied consent. I called to complaint and on XX/XX/XXXX I was finally able to speak to someone in the COMPLIANCE DEPARTMENT. I spoke with XXXX XXXX, who told me that they are in compliance with my calls and completely ignored my questions to her when I asked " Do you have my express authorization to use an automatic dialer to call me on my cellular phone. '' She told me to file a complaint with the CFPB or speak to an attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: In XX/XX/2015 I had a checking account with Bank of America. At the time I was working for a local XXXX who paid me by Direct Deposit. At my pay cycle in XX/XX/XXXX my DP was issued, and bounced. The XXXX then wrote me a regular check which I deposited. The XXXX at the same time as writing me a manual check had attempted to push my Direct Deposit check through again. The direct deposit ended up going through so the XXXX immediately placed a stop pay on the manual pay check. While this was going on I was working with the branch manager to help me avoid any fees or problems with my account. Abruptly the manager and myself were told that my account was now going to be closed. They closed my account shortly after with a XXXX balance. But when I try to get an account somewhere else, I 'm told I ca n't get approved because Bank of America has flagged me as fraud. I have called and spent over 30 hours on the phone with them to resolve this, every time I am told the same thing " we see that this is an error in our system but we can not resolve it you need to send a letter to our risk department. So I have, 4 times, and they have not responded to me one time. I do n't know what to do at this point, I ca n't get a bank account and this affects every part of my life. Please help.

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 09/21/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is reporting on my XXXX that they removed a collections account but the collections account is still reporting on my credit report for XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information / and the removal of any fraudulent inquire that was made from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: A loan was taken out on the Years of XX/XX/XXXX and XX/XX/XXXX to help aid in paying my schooling. The goal between two years was XXXX and now I am paying back navient the debt and also the school where the money was supposed to go both for the amount of XXXX. I am now getting my wages garnished by both departments and this is unlawful. I have called in and no one has a response or an idea as to what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Fraud was committed in my name and the credit bureau refuse to block or remove the fraudulent account from my credit file base on FCRA 605B

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 02/18/2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: This loan was over five years ago with Bank Of America. I finally managed to get a home loan modification with them but then they promptly sold my loan to another company with whom I have been making on time payments ever since.

I have asked and asked that the Bank Of America be taken off my credit report because at the time I fell in a hardship. My brother had died and I took in my mom who is the widow of a XXXX  XXXX vet. BOA refused to help me at all and I had to fight two years for the home loan modification. 

I have called and called about having this taken off my credit report due to hardship. Their customer service is very rude and refused to help me. 

I hired XXXX XXXX to help but they met with much the same response. 

All I want is this off my credit report. I really need help with this because every time I call in their customer service is quite rude to me. 
I no longer have the documents they should also have as it has been over five years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion advised me to contact creditor directly and also that they would forward my information to XXXX XXXX XXXX to verify the accuracy of my documentation. I have not received a response from XXXX XXXX XXXX or transuinion regarding the fraud inquiry. No proof has been submitted to me as advised. Per FCRA no response from creditor the the must be removed.

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 09/20/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Application, originator, mortgage broker

Complaint: I have been attempting to assume a mortgage loan from Nationstar Mortgage since XXXX 2015. During the process there were various documents that I needed to supply to the loan assumption department of Nationstar Mortgage. Documents included Loan Application, Rental History, Bank Statements, Tax Info and Title info. Please note that Nationstar did not or has not provided a telephone number that leads directly to the Loan Assumptions Department. Nationstar only provides a mailing address and fax number. 

Starting in XXXX of 2015, I sent the initial completed loan application to Nationstar via certified mail. After about a month I received a mail notification from Nationstar stating that pages were missing from the application packet. I resent the missing pages via certified mail again. Month after month I receive mailings from Nationstar stating that they have not received several documents. I resend information over and over again via certified mail, email and and/or fax. Time after time I receive mailings stating that I am missing documents. 

Today I received a mailing from Nationstar stating that they have not received XXXX last document and if they do not receive it in the next two business days, they will close the case. 

This is extremely frustrating because Nationstar does not provide any way to confirm receipt of documents and there is no one to speak to for any feedback whatsoever. It is now XXXX XXXX 2015. The process began in early XXXX 2015. There is no one to call. Email messages are not replied to and fax gets no replies. I have sent documents via certified mail, email attachments and fax. I do not know what to do next. Nationstar Loan Assumptions will close the case in two business days and there is no one to assist me and no way to confirm that Nationstar has received any documentation. I have no clue of what can do to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: With the increasing awareness on tactics of predatory student loans I believe there is cause for a investigation in the student loan company ECSI. 

At XXXX XXXX XXXX ( Tuesday ) I was unable to reach ECSI to pay my loan. Their web help line was unavailable and their phone lines indicated there was a 20min wait time. After leaving a message to be called back, my number was never returned. I 've attempted to contact ECSI many times in the past with similar problems. 

Considering my significant balance with ECSI of {$53000.00}, my monthly interest accrual is approximately {$210.00} per day, so around {$7.00} per day. 
Delays in the ability to conduct payments or discuss account problems causes undue financial burdens on the customer. 
Moreover, when trying to give a one time payment on my account, I am unable to pay the same day or day after and only have the option of paying on specified days put forth by the loan company, the soonest date being XXXX XXXX, 2017. By delaying my payment of {$25000.00} until the XXXX, I continue to accrue a higher debt load as the loan balance is higher over further increasing the amount of interest owed. Also, as I 'm unable to put in a one time payment, I need to set the auto payment to {$25000.00}, have the payment go through on XXXX XXXX and then login again and switch the auto payments back to the monthly amount. NO OTHER STUDENT LOAN COMPANY makes their customers do this. This also sets people up for failure. Moreover, their website is down frequently and is very difficult to navigate making mistakes more likely. 

After finally getting through to a customer service representative, he confirmed that yes, there was not way to electronically put in my payment sooner than XXXX XXXX. He also said they were updating their website and he would send me the link to the new one but he never sent it. I asked why I was n't able to access this when I searched for their site online. 

Please please look into this company. I had loans with XXXX and this company is going the same thing! Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Settlement process and costs

Complaint: Approved for a XXXX with Wells Fargo Bank and now had to firer contractor due to not completing the work in a timely manner. Then told that new contractor that wanted to use is not being validated. Please review there process of identifying qualifying contractors and making you pay for contractor work that is not inspected by them or county departments. I 'm now paying a mortgage and not in the home. This hurts home owners and the mortgage industy. 

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 explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have tried 3 times to make arrangements on paying back my loans. Every time that I call they only give me the income base choice for repayment. I am still not able to pay the amounts that are offered.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I noticed that my transactions were being reordered in the past  two  months (  XXXX  and  XXXX   XXXX , as well as I was being charged RIDICULOUS overdraft fees. Not only are these overdraft fees charging me {$35.00} dollars for a {$2.00} charge that keeps being debited from my account just so the bank can charge me  XXXX  dollars again, then  XXXX  dollars, then {$100.00} and {$170.00} dollars in overdraft fees.     TD bank has reordered my transactions to make it look like I did not have funds in my account in order to maximize their ability to charge me overdraft fees. For example, on a day where I was in overdraft by {$4.00}, I made a direct deposit of {$300.00} to get out of the overdraft. However, on my TD banking portal, it reordered my transactions to seem as though I still had a negative balance when I used my card after the deposit cleared the negative balance, and I was charged  XXXX  dollars in overdraft fees MULTIPLE times.     These overdraft fees are not warranted given that they were " posted '' to my account during circumstances I knew I had funds in my account because I had made a deposit that same day, and were being posted about transactions that did not actually occur on those days. Even on days that I had made a deposit and was in the positive, I was still charged unfairly.     In   XXXX   alone, banks took in over {$32.00}  XXXX  dollars in overdraft fees. Additionally, TD bank has been sued in the past over such overdraft fees and reordering transactions, but it is very apparent that this behavior is continuing. This is truly outrageous that TD is purposely reordering transactions and charging all of these overdraft fees without my consent and without even notifying me of being overdraft to begin with. There was not even ONE time I received a notice via phone nor mail about being in overdraft.       Through my online banking portal, I sent a message to TD bank detailing my issue in  XXXX , and they took a week to get back to me even though they guarantee a response within  48  hours. I called TD bank today,  XXXX   XXXX , to dispute these charges. I opened my bank account i  XXXX   XXXX   XXXX   XXXX   XXXX , where there are several  TD  bank branches, but I currently attend college in  XXXX  Washington state, where there are  XXXX   TD  bank branches. Thus, I did not have the accessibility of a branch to go in and talk to a representative. When I did call TD bank, a customer representative told me that out of the total {$940.00} dollars in multiple overdraft fees due to THEIR reordering of transactions and the system 's error, they would only refund me  XXXX  dollars. I was not able to ever use the money from my direct deposits since they were being funneled to the bank as profits via their overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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 XXXX XXXX has refused to correct the incorrect data they put in my Credit Reports due to their sloppy record keeping. 
My loans have been paid off since XX/XX/2007, yet they are reporting my account as late. 
I have tried to get this issue resolved with XXXX for months now, and so far, they have been useless in resolving and or fixing their own mess. 
I am reaching out to you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (I do not know) with The Hamilton Law Association (ME).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Hello, ive been getting phone calls from all different ph # ( recent from XXXX ) but with a call back # of XXXX ext XXXX, previous call back # XXXX. Always a different person to call back but staying they have my dob, ss # in which a law suit will be served on me if if did not respond to make payment by end of business day. Says they are from Hamilton law. In the last message i received today ; " XXXX '' stated she knows my name has changed and spoke my dob and address on the vm.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband was working for XXXX for 10 years until XX/XX/2016 they closed all their camposes I tried keep your home California and I 've got approved they asked me for mortgage statement and because SLS refuse to send me monthly statement therefore I could n't provide them with proper document they could n't further help me and that was SLS Fault. 
Now the mortgage servicer sent me a foreclosure Notice.

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 03-01-2018 about Payday loan, title loan, or personal loan (Installment loan) with Ad Astra Recovery Services Inc (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: The problem I am having is the company wants to charge an excessive amount and posted that excessive balance on my credit

Company response to consumer: Closed with explanation