milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Debt collection (I do not know) with ESCALLATE, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX, a debt collector called Escallate called my home number and left a voicemail asking for a call back. I called back and learned that Escallate was looking for my ex-husband. I explained that he and I have been divorced since XXXX. The debt collector agreed to take my phone number out of their database. Since then, I have received calls from Escallate on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I saved all of their voicemails. The calls need to stop or Escallate needs to be shut down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Medical) with Radius Global Solutions LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt had been fully paid to Central credit services

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 12/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX XXXX, XXXX, I was charged {$1000.00}. This was a result of someone hacking my XXXX, sending themselves money with my linked credit card. I also received a text from XXXX asking if I authorized this charge and they asked me to text yes or no back. I texted no back hoping that meant they could stop it and freeze my account and whoever hacked it. They also asked me to change my password because it was hacked, so they could see it was hacked from a different XXXX location. I contacted XXXX and they basically said it takes 7 days to figure everything out. After 7 days they basically said there is nothing they could do because the money was sent as friend/ family thus not having their purchase protection but then I explained how it was hacked and they had me change my password because of the hacking etc but they would n't do anything and said that I needed to contact my credit card company. I proceeded to contact Chase on XXXX XXXX, XXXX. After months they sent me a letter saying there is nothing they could do. So now I am stuck with a {$1000.00} charge on my card that has been also charged interest for months with no one willing to help me. Luckily I heard about you guys from one of my business mentors and REALLY hope you guys can make this right! Thanks so much

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Credit card protection / Debt protection

Complaint: I use my bank account to pay for my credit card debt on a regular basis. I have experienced problems with my privacy of my account being violated and my payments being manipulated. I have complained to the bank about this breach, but it will not investigate the breach and inform me when, where it happened, and who was responsible for it. they refused to answer my question of who has access to my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (MN).
Issue: Problems caused by my funds being low

Complaint: I had a target debit card payment go through that overdrew my account {$.00} - XXXX XXXX CENTS and they RETURNED the payment to XXXX and slapped me with a {$35.00} fee. I will also now get a {$30.00} fee XXXX. Their overdraft policy CLEARLY states if your account overdraws less than {$5.00} there will not be a fee. Not only did I get the fee they returned the payment entirely. This is insanity! I am now paying {$65.00} for a {$0.00} mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (I do not know) with Access Receivables Management (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We receive daily calls from Access Receivables Management, a debt collector. 

We have told them previously we do not have any outstanding debts and they continue to Harass us with these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Att phone service has ran my credit without permission. I want them to remove it.You ca n't run any ones credit without their knowledge. ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Student loan (Federal student loan servicing) with MOHELA (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Over the past 11 years, while working at XXXX  XXXX XXXX, I have inquired with Mohela, my student loan servicer, about consolidating my FFEL loans into direct loans which would qualify me for public service loan forgiveness. I inquired several times over the course of the past 11 years and they have consistently made it very clear that it was an impossibility to consolidate my loans to direct loans because my loans are FFEL. I called Mohela yesterday just to see if they are still telling people this false information, and they did tell me I could not consolidate my direct loans to direct loans in order to gain public service forgiveness, which I 've recently found is false. After I told them I had spoken with XXXX XXXX XXXX XXXX, they then said they do n't make those types of decisions and they are sorry I 've been misinformed for all of these years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Credit card) with Convergent Resources, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We received a letter addressed to my husband XXXX XXXX ( letter says XXXX XXXX XXXX ), stating we owe a debt to XXXX XXXX bank. We do not have an account with XXXX XXXX. The letter gave us a huge fright and now, believing it is not our debt, we want to ensure others do not get caught by this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (OH).
Issue: Trouble during payment process

Complaint: When I originated this loan I requested that the escrow account be established out of convenience and it was not required. Since that time the loan was sold to SLS. At this point I would like the escrow account to be removed and for me to be able to pay my own insurance and taxes. I have had several conversations with SLS through this process and you can see through their response, requesting for the escrow account to be removed. At first I was told that the escrow account would not be removed because my debt ration of the house was at 82 %. After being hung up on by the agent, transferred to different departments, asking for a re- appraisal to be done and submitting a request for a re-appraisal using the guidelines that I was given by their representative. I was given incorrect information and was told that the re-appraisal had to be submitted a different way. I then submitted another request for a second re- appraisal to be done on the house and followed the guidelines given and told that the re-appraisal would be done. I then requested for the escrow account to be cancelled again and was told that the escrow account would be cancelled. To ensure that the escrow account would be cancelled I hung up and called back an hour later and was told by the representative that the escrow account would be cancelled. I also called a third time just to make sure and was told a third time that the escrow account would be cancelled. At that point I contacted, my local County tax authority and Insurance Company to have me billed directly for insurance and taxes. Only to receive a letter from SLS three days later that my cancellation request was denied. I then contacted SLS to ask them why it was not cancelled and no answer was given. I again requested a re- appraisal and was told by the representative that I would receive information via mail to have the re-appraisal done. I have yet to receive that via mail and I have received SLS response that they can not remove the escrow because the debt ratio is at 81 % and they are refusing to do a re-appraisal on my house. Lastly. I would like to state that my local tax authority has re-appraised my house and has it listed at {$30000.00} more than when originally purchased, Yet SLS refused to do a re-appraisal in the feedback. Can you please work with this company to have my house re-appraised and have the escrow account cancelled so that I may pay my taxes and my insurance myself? I have a credit score of XXXX and pay my things on time and it shows in my credit history. This company has not received one late payment from me, in fact it has all been paid 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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Other mortgage) with BB&T CORPORATION (GA).
Issue: Application, originator, mortgage broker

Complaint: We began the process with BB & T of a construction to permanent loan. After demonstrating we had sufficient income, credit, and down payment, we were extremely disappointed in the due-care and professionalism of our mortgage contact at BB & T. Our appraisal, although told by BB & T would take about 2 weeks to get back, took over a month and a half. The first XXXX versions of the appraisal were based on the wrong set of architectural plans and the next XXXX versions contained XXXX of XXXX houses in different school districts and XXXX of XXXX houses that were over 20 years old compared to our new construction. Our mortgage contact at BB & T was unresponsive, did not return emails, did not return phone calls, and acted in a manner that lacked professionalism. His response to my frustration with the entire process was simply to state, " duly noted. '' We have expended considerable time and energy to at this point and were extremely frustrated that we had to fire BB & T even though we met all of their pre-approval requirements and could just not get adequate professional service.

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 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Central Holdings, LLC (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: IVE COMPLAINED ABOUT THE INACCURATE INFORMATION ON MY CREDIT REPORT TWICE. THIS COMPANY IS TRYING TO DAMAGE MY CREDIT. THEY HAVE TO BE STOPPED MY LATEST ALERT RECEIVED ON  XXXX   XXXX   XXXX  (   XXXX    ).    XXXX   1. AN  ACCOUNT PROVIDER REPORTS THAT WHEN YOU FILED FOR BANKRUPTCY AND LISTED THIS ACCOUNT AS  XXXX  OF THE ONES YOU COULD NOT  PAY. ( FALSE ) 2.DELINQUENT  ACCOUNT CREDIT  CENTRAL REPOR TED THAT YOU DID NOT PAY THEM ON TIME  XXXX , THIS COMPANY IS DELIBERATELY REPORTING INACCURATE INFORMATION..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Student loan (Private student loan) with MOHELA (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: 22-year old debt : 1. fixed income prohibits making regular principle and interest payments 2. debt grows exponentially each year - no end in site 3. no consistent tracking records available for accumulated penalties or interest 4. purchased by multiple companies so document tracking is fragmented/non-existent 5. to-date payments on {$18000.00} loan, approx. {$30000.00}, representing a 60 % ROI ( please See attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XXXX/XXXX/2017 at approximately XXXX, I received a call at my place on employment in regards to my American Express card that I have failed to pay due to filing for a Chapter XXXX XXXX . 

I advised the representative that there have been previous statements made to American Express to cease communication at my place of employment. Since then, numerous automated calls have been placed. 

I told the representative that I will be giving her my Chapter XXXX XXXX Attorney name and she then stated that would cue the calls to stop. I advised her that that does not negate the fact that her organization was instructed to cease communications. 

I did advise her that I was a Director of Operations for a collection agency and at this point I was not going to get into an argument with a collector. She instructed me that she has a XXXX XXXX and informed me " that at least she pays her bills ''. 

Moving forward, being that my call and her call was recorded, I will be pursuing an FDPCA claim on this as well. I work in this industry and by NO means would I tolerate that on my floor.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: XXXX 2014 I applied to Bank of America to refinance all XXXX properties at the end of modification. My home payment increased significantly and it will increase several more times I have XXXX more years on my home loan. XXXX of 2014 I was told they will not refinance the loans without a reason. I would like to know why I was turned down

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (WA).
Issue: Application, originator, mortgage broker

Complaint: I represent a homeowner who is doing a short sale and has been approved under the HAFA guidelines to receive XXXX at closing which was approved by the sellers first mortgage holder ( XXXX XXXX ). The XXXX mortgage servicer at Seneca mortgage told me that they did not know that HAFA incentives were at XXXX and thought they capped at XXXX so if the seller was going to get more than XXXX then the investor at Seneca Mortgage wanted the difference between those XXXX numbers to go back to Seneca Mortgage and not to the seller. Seneca Mortgage also was offered 10 % of their unpaid principal balance, so they not only wanted that XXXX %, but also XXXX that the homeowner is supposed to receive from HAFA at closing. I told them that they had no right to collect the sellers incentive money if they already are being offered XXXX % of the UPB and also receive TARP money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim, her information was used to open an account with XXXX XXXX without her consent. A dispute of this account was mailed to XXXX XXXX XXXX/XXXX/XXXX however as of this date nothing was received from XXXX to confirm the account was closed as being fraud related. This is a violation of the FCRA.

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 05-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: diversified consultants just put this on my credit I do not no who this company is this company sent the credit bureaus wrong and misleading information I do not owe them are who they say they are representing  XXXX  it what 's showing on my report when I tried to call both no success speaking and getting any understanding  because they do n't no what they are doing you just cant throw o ver 3000.00 debt on  someone 's account with out notifying them 30 days i n advance that 's against the law I 'm sick of these companies destroying people credit like this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 am reaching out regarding predatory practices on behalf of the company XXXX XXXX that seek to damage my credit. With the exemption of XXXX in which account XXXX XXXX # XXXX is removed, this said account has been charged off and closed. Additionally, Transunion and XXXX   report this account as closed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The lender ( XXXX XXXX ) is attempting to ILLEGALLY re-age a closed, charged off account. According to the FCRA, the beginning, first date of delinquency can not be changed once an account is charged off. Once a charged off account reaches 7 years, then the credit bureaus must purge the account from your credit history. XXXX XXXX has ILLEGALLY re-opened the account in an attempt to reset the 7 year clock. It is illegal for a creditor to change the purge from date on a negative account by reopening the account so that it remains on the consumer credit report. 

In light of the lack ethical practices on behalf of XXXX XXXX, incorrect payment history, incorrect account status, I am requesting that this account is REMOVED from my credit reports immediately. I have disputed this account several times and both Transunion and XXXX have failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. The lender is attempting to illegally re-age the account. Consumers have the right to be protected from unfair credit practices ; hence I am requesting reparations by the account being removed. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. Thank you again for your time. 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 explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My house is being auctioned on XX/XX/XXXX. I listed my house for sale. My house is in default and I 'm trying to get it sold before foreclosure. We got an offer on my house. My package was originally sent to the servicer on XX/XX/XXXX - it was a full package. We were told it had to be initiated in XXXX. It then was initiated on XX/XX/XXXX. Bank of America has taken a full month to request documents. It is XX/XX/XXXX and up until last week they were still collecting documents. They had taken so long to request things, that they still have not done a full review of my property. My listing agent just got a call today from someone to see the property. It 's unbelievable to me that my lender needs a full two months to review short sale documents and NOT cancel an auction. I 'm requesting a postponement so my file can be appropriately reviewed.

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 03/30/2015 about Bank account or service (Cashing a check without an account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo lies and continues to assert that I 'm not listed in XXXX. I reviewed again my report I have offered evidence as such and identity theft and yet they still do nothing. They do n't value my XXXX year relationship nor the 40k I 've deposited since XXXX. I 'm switching banks Asap if this is n't rectified. Contact XXXX you own them they will not do anything when I contsxf them saying you told them to keep it on file. Bait and switch, lying to the government and me too. Normal Wells Fargo XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a personal loan with XXXX XXXX in XXXX in the amount of {$10000.00} at 18 % interest rate after losing my job. Since then, I 've repaid the loan in an excess of {$25000.00} and they 're still saying that I owe {$9500.00}. They refuse to renegotiate the loan and it has since been sold/transferred the loan to another company called OneMain Financial. I 've made my payment consistently for over 10 years and now they 're saying that I 'm behind in my payments. They 're destroying my credit in the process. What can I do to solve this never ending mistake?

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX, XXXX the vendor attempted to bill for services and used a wrong address and telephone number, confirmed by XXXX the bookeeper XXXX. All vendors were paid by XXXX, I have never received any written communication from the vendor proving the insurance carrier has not paid the supposed outstanding amount

Company response to consumer: Closed with explanation