milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2017 about Debt collection (I do not know) with CB1, Inc. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: No contract about these debts. Never got a bill or anything from these medical agency that are more than 3 years old. Stop attempting to collect on fraud information and fraud medical services. They have NO contract. 

So the credit agency attempts to stalk, contact, email excessively. 

Please tell them to go away. 

XXXX http : //www.cbbcollections.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: i was given a mortgage i did not uderstand and did not qualify

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: We are in a Hurricane Irma FEMA designated area ( XXXX XXXX XXXX , FL vicinity ). 

We applied for and were granted a 2 month deferred minimum payment grace period on our XXXX credit card ending in -XXXX. 

We were told our credit limit would be raised from {$8100.00} to {$11000.00}. It has not been applied as of today. Consequently, we would not have been assessed a Citi {$61.00} fee on XX/XX/XXXX. 

Additionally, the {$75.00} fees for the cash advances were to be waived due to our extensive Hurricane Irma damage we sustained and is ongoing as well as the {$37.00} Interest Standard Adv XX/XX/XXXX fee. 

Total fees that were to be waived : {$170.00}. 

Thank you. 

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 06/23/2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was was looking for legal representation after firing my lawyer and they notified me of the courts decsion late and put up my house for sale XXXX/XXXX/2017 with no notice to me. I had already spent thousands on legal representation for lawyers that negotiate with their clients XXXX of defending the merits of the case. There are no lawyers that want to appeal the case without excessive charges. I was forced to file Bankruptcy to stop the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Payday loan debt) with Kashia Services (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: On Tuesday XXXX XXXX, 2017 while at work I received a phone call from the vice president of the company in which I am employed stating he had received a legal matter involving me on his desk via fax. He forwarded me an email of the fax communication he had received from Kashia d/b/a XXXX XXXX  requesting an wage assignment. I stated to him I was unaware that any civil judgements or garnishments had been placed against me as I had not been taken to court for anything relating to such. It was requested that I follow up with a company that my employer follow up with a company called XXXX XXXX. Upon a simple internet search I learned that this was an unlicensed payday loan lender and that the contact information for both Kashia d/b/a XXXX XXXX and XXXX XXXX was vague at best.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from Ally Financial.The company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of 2012 following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with XXXXXXXX, as the creditor has once again revised dates, substantially changing the reporting. 
XXXX refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.

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 08-12-2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Other

Complaint: XXXX and Transunion have reported this incorrectly. The statue of limitations in Ohio ( where the debt began ) has run. This needs to be taken off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Other banking product or service) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: After checking my credit report I realized that 5th 3rd 's Identity Alert program has been inaccurately reporting my credit score. After speaking to several branch  managers at different locations and reps on the phone they informed me that the reporting is never meant to be precise and refused to refund all. The branch managers tell me to call XXXX and the phone tells me to speak to a branch manager. I have also had issues with unauthorized charges that resulted in overdraft fees. I was promised at least one reversal and assistance disputing the other charges and when I follow up I get conflicting information. I have not been receiving refunds for atm fees. I am with a program that refunds atm fees 6 times per month

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Kay Jewlers will call from blocked numbers, random numbers and blocked numbers at all hours M-S, even at night or very early sometimes 15 times a day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 03-04-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Transaction issue

Complaint: I signed up for a Citibank XXXX Card where they promised me {$350.00} If I spent {$2000.00} within the first three months. I did that and they only gave me {$150.00}.

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 07/23/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have had to hire a lawyer because from day 1 when Greentree took over my loan from XXXX, I have yet to get a straight answer on what was owed, how much was owed, when it was due, etc. I need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (I do not know) with SIMM Associates, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company, Simm Associates, continues to call our home repeatedly after we have told them that we are not the debtors whom they seek. They call at all hours and are unresponsive to our requests to take our phone number off the call list.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed the information you listed on my report : XXXX XXXX XXXX - Account # XXXX : Unverified account XXXX XXXX AUTO XXXX - Account # XXXX : I have never paid this account late. 
XXXX POLICE FCU - Account # XXXX : Unverified Account My personal information has been reported wrong : - I have never known by these names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 07/13/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Coldwell Banker Mortgage /PHH Mortgage made an unauthorized withdrawl from my checking account and ca n't find the payment in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled my XXXX XXXX in XXXX 2017 and gave 30 days notice. They billed my credit card in XX/XX/XXXX, which was for the month ahead, XX/XX/XXXX. XXXX XXXX makes you pay in advance for the month ahead. I no longer had XXXX XXXX so assumed this was a mistake on their behalf so I called my credit card and stopped the payment. They have now sent me to a collection agency. 

I was a customer of XXXX XXXX for years and always had paid my bill using autopay. I had never not paid my bill nor had I ever paid it late. Why they would think I would not pay a bill that I owed is beyond me. It is a mistake on their behalf. They need to listen again to the recording of me calling them to cancel my service. They say the calls are recorded for customer protection so now I would like them to use the recorded call as evidence to support my story. 

I am not paying for a service that was cancelled a month prior and that I no longer had and feel that I am being bullied by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX/XXXX Transunion has listed all account status in collections on my. The accounts listed have been paid off in full. My most recent credit report shows the change, credit file number of XXXX. It list all accounts that can be viewed on report in collection status. Transunion also list accounts older then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ). 
XXXX is not giving me access to my credit report and I do pay a monthly payment to view, they also will not allow a dispute. Online access is jammed and phone calls turn bad do to naive behavior of employees that do n't understand the it problem associated with online dispute. Because I 'm given the option to use online or phone, this is how I 'd rather discuss it. Using mail requires to much time and I 'm not home during mail hours of operation. Thank You!

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 08-12-2015 about Debt collection (Auto) with WELLS FARGO & COMPANY (NE).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On XXXX XXXX at XXXX. Central Time, I spoke to a Supervisor XXXX regarding the status of my account ( did not tell me that this was an effort to collect a debt ). He gave me the details and I asked for options available for my account. XXXX option he gave was that I could attempt to sell my car to a dealer. I told him that I would explore options and proceed as needed. On XXXX XXXX, I visited a dealership and they attempted to call WFDS to obtain a payoff quote for my car, and when they were attempting to get a payoff, my account was not to be found. They attempted via my SSN and name and was unsuccessful. I visited the dealership again on XXXX XXXX as I was going to sell my car. They again attempted to contact WFDS and they were again not able to locate my account. The dealership proceeded to obtaining an approximate payoff and closed on my new loan. On XXXX XXXX ( at XXXX Central Time ), XXXX from WFDS called me to inform me that I still have an issue with my account ( to my knowledge, she did not inform me that this was an effort to collect a debt ). I explained that I sold my car to a dealership and she proceeded to tell me that if they do not receive the payoff check within a certain amount of time, they will pick up my old car from the dealer. I explained that I spoke to a supervisor to explore options and that attempts were made for a week to speak with someone and she indicated that since there are no documented calls, that she essentially did not believe me. I told her that they could not document a call if my account could not be found. She was going to call the dealer to see what is going on. I called again at XXXX to ensure that she did what she told me she was going to do, which she did. I brought up the unable to locate my account situation again and said that if they could bring up my account on this call, why not for the past week. I told her that there were multiple attempts and explained that she was pretty much calling me a liar. She said I was putting words in her mouth and that since ALL calls are recorded, they could play back the recording. I told her that I had explored the options laid out to my by XXXX, and that since calls are recorded, she can pull up that call to hear the conversation. She told mentioned that supervisor calls are not recorded, how convenient. I asked her now what and she said that they were going to discuss my account. I told her that I am considering this resolved and she said that even though the car was sold to the dealership, it is still my issue. 

As with any other experience with this company, the customer service has been poor and uncooperative. This is not how a company should operate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Credit card debt) with Credit Corp Solutions Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I made an arrangement with XXXX XXXX XXXX , XXXX to pay {$220.00} for settlement of debt to be paid by XXXX XXXX, XXXX. I call the company on XXXX XXXX, XXXX, and spoke to a XXXX . XXXX. I made the payment that same day using my debit card. XXXX XXXX sent by email the payment receipt dated XXXX XXXX, XXXX. I notice on my XXXX XXXX, XXXX, on my credit report for XXXX XXXX / XXXX account in the comment section that it was purchased by another lender. So I contacted XXXX  and they told me that XXXX XXXX XXXX has this account. I asked why and told them that I had paid the account with XXXX XXXX XXXX. The representative told me that they did n't have any information concerning this company or payments and I would have to contact XXXX the lender. I contact XXXX XXXX  and spoke to a XXXX XXXX concerning the issue. She told me to email to her the receipt of payment and she would get back to me. I received an email from her stating that the document I sent did n't show that the original creditor was XXXX that it was Credit Corp Solutions. She told me to contacted XXXX XXXX  about the payment and Credit Corp Solutions. I told her I did and they advise me to call her company. I asked her if she could send something stating that this payment was received to XXXX Credit Bureau and XXXX XXXX / XXXX. She told me that they sent out this information to the credit bureau in XXXX XXXX and the company does n't do this anymore and she could n't help me. Therefore I should contact Credit Corp Solutions and XXXX XXXX again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XX/XX/XXXX i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX.i tried again XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no one else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was approved for the income driven repayment plan for 1 year and I am to reapply yearly. Nelnet AND XXXX credit bureau are inaccurately reporting my program as in deferment which is inaccurate and bringing my credit score down XXXX plus points. I have contacted Nelnet, credit bureau regarding this matter and received letters from both entities that it was resolved but it 's worse. I have been paying student loans for 10 years for a certificate degree with no late payments and finally approved on a program and now my credit is messed up from both branche 's with no resolution. I 'm in worse shape. I 'm complaining against Nelnet for innaccurate student loan reporting and XXXX for poor reporting, bad customer service and failure to verify information which has been submitted by myself and Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Emmett L. Goodman, Jr., LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate from FL to GA but was paying $ XXXX/month on the debt. The loan was sent to XXXX XXXX and XXXX where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from XXXX XXXX ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit card () with DISCOVER BANK (CA).
Issue: APR or interest rate

Complaint: In XX/XX/XXXX, I performed a balance transfer to Discover Card with a creditscore of approximately XXXX. XXXX months later Discover has issuedan 18.99 % interest rate. My credit score is now XXXX. I have XXXX creditcards, of which XXXX I cancelled ; A gold card XXXX with a balance of {$470.00} with unlimited purchase, a XXXX card with a balance of {$780.00}. 
I have another active and initial purchase range to {$17000.00}. 
Amex/Costco card with purchasing up to {$14000.00}, a balance of XXXX. 
After I inquired about the high interest rate, Discover sent me anemail on XX/XX/XXXX stating it had increased my credit limit an additional {$3100.00} ; and in an initial conversation stated it would lower my futurepurchases to 16 % +. I declined! In the initial offering for a balancetransfer, it stated the interest would be XXXX to XXXX. One might expect with nearvery good to excellent credit, the lower rate would apply, and anythingwithin theupper limits might apply to anyone with alower/riskier score. After numerous conversations to ascertain whymy interest rate was so high and having a present credit score of XXXX, what was the rationale that warranted the high interest juxtapose to the10.99 %. Discover sent me another email with thesereasons ; % of balances is to credit limits is too high on revolvingaccounts ; Too many accounts with balances ; Proportion of loan balances toloan amounts is too high.Yet, Discover is willing to increase my credit limit an additional {$3100.00}. Obviously my credit score and Discover 's desire to lend me morecontradicts these assertions. After you have read this, if you need. I have the email sentadditional information is needed, please contact me. I have the emailfrom Discover regarding the credit card limit increase, etc. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief