milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved from XXXX XX/XX/XXXX to XXXX. I lived in XXXX from XX/XX/XXXX to XX/XX/XXXX. I had all of my services turned off at my old residence in Alabama after moving XX/XX/XXXX. XX/XX/XXXX, I was contacted by a debt collection agency Transworld Systems , Inc. stating they purchased debt from XXXX XXXX XXXX in the amount of {$160.00} that was dated from XX/XX/XXXX until XX/XX/XXXX. I explained that I did not live there during that time, as I moved to XXXX. They were rude and continued to harass me stating that this is my debt and I was obligated to pay. They began to call my cell phone incessantly and then found my home phone number and began to do the same. When I continued to insist that I did not owe the debt, they stated if I could prove I did not owe it, they would stop harassing me. So, I sent them proof that I had services in XXXX in the form of a letter from XXXX noting when I started service in XXXX and when that service ended, i.e. XX/XX/XXXX until XX/XX/XXXX. I thought that would stop the harassment, but it has not. They are now sending me letters stating that I needed to settle a debt I do not owe. The letter indicates that they are monitoring my credit to see when an inquiry is made. The letter uses intimidation tactics and states, " We hope that you are now in a better position to pay the above account ( s ). ". I do n't owe money to XXXX XXXX XXXX or Transworld, and I am not obligated to pay for services I did not receive. They are invading my privacy and utilizing my personal identifying information unlawfully by monitoring my credit actions and possibly lowering my credit worthiness by suggesting I am severely delinquent for a debt I do not owe. Your assistance in this matter is greatly appreciated. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX my application to Bank of America for a mortgage modification was declined on the basis of a fraudulent property appraisal. The false and inflated property valuation resulted in a failed NPV test. 
Even though no house ( of that model ) had ever sold for such amount in the history of the subdivision, the appraiser valued my house at {$700000.00}. I objected, and it was reappraised for {$690000.00}. The values are absurd considering : There are vacant abandoned houses in the next block ; At the time of the appraisal no homes in the subdivision or area had sold in over a year ; On-line services valued the house between {$540000.00} and {$600000.00}. 
When I received a copy of the appraisal, I phoned the appraiser to question the basis for his valuation. I was told that Bank of America was his client and those were his instructions. 
Finally, on XXXX XXXX, XXXX a house in the subdivision finally sold. The exact same house as my house, same model, same builder, same subdivision, XXXX blocks away, sold for {$570000.00} ( see Exhibit A ). 
In XXXX XXXX, upon renewal of the homeowners ' insurance, the insurance company would only insure the house {$530000.00}. They said that it was the maximum that the house could be insured for because that was its replacement value ( Exhibit B ). 

So, if an identical house in the same neighborhood sold for {$570000.00} and the insurance company states that the replacement value of my house is {$530000.00}, how does Bank of America 's appraiser get a valuation of {$690000.00}? 
Bank of America is obliged to follow all rules and guidelines for the servicing of conventional mortgage loans, including, critically, rules relating to the Home Affordable Modification Program ( HAMP ). Bank of America did not follow the rules of HAMP in connection with my account. 
Had Bank of America properly reviewed my application and not applied a fraudulent property valuation when I applied for HAMP in XXXX XXXX, I would have been found eligible for a HAMP modification that would lowered my monthly payments by at least {$1500.00}. 

Instead, Bank of America used a fraudulently inflated property valuation to cause my application to fail the NPV test. Since then I have taken nearly {$40000.00} in credit card cash advances at 24 % interest rates to keep the mortgage current, which has damaged my credit and caused me and my family great anxiety.

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 01-01-2018 about Debt collection (Credit card debt) with Messerli & Kramer P.A. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a case with Messerli and Kramer. According to the online court record, they tried to send me letter/correspondence on XX/XX/XXXX. I did receive information that they wanted to communicate with me electronically. However, I could not access their request due to a name change. The letter specifically stated that if I did not accept the electronic request, they would continue to communicate with me via mail. I could not and did not accept the electronic request. I did not receive any further communication from this company. Last week I got notification from my employer that they were required to begin withholding my wages. I had to go on to the WI Court website to locate the response form, as my wages are exempt from garnishment. I was not notified by the creditor of the garnishment or given the proper time frame or documentation by them to file my response. WI state law requires that they notify both me AND the employer. They only notified the employer. They also updated my address on XX/XX/XXXX, per the WI court reporting website, to an address I have not lived at until XX/XX/XXXX, which is stopping me from getting proper mailed documents, if any were sent, which according to the court file, none were. I did call in XX/XX/XXXX and left them a message in reference to stopping communications with me at work. After that, it feels that their debt collection practices became almost retaliatory in nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There is an account with XXXX XXXX XXXX that is now closed. The account was open in XXXX but it says XXXX. The account was supposed to have been removed but keeps appearing. I requested for it to be removed and its still there.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: Unreasonable delays in mortgage modification.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: Experian Report per XXXX XXXX XXXX card # XXXX Limit of {$7900.00} This is acount is being reported wrong and illegaly per the FCRA and Metro 2 reporting compliance mandates. 

This alleged Charge off debt shall not carry a balance or High limit which is injurous to my credit score.  and incomplete account number. Per FCRA all information reported shall be reported 100 % accurate or must be deleted. 

XXXX XXXX XXXX account # XXXX alleged collections account showing a balance of {$1300.00}. Which is again is being reported incorrectly and illegaly per the FCRA and metro 2 reporting compliance standards.

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number XXXX XXXX XXXX XXXX XXXX2017.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I attempted to get a loan modification or forbearance from Bank of America and they denied any assistance despite the fact that I was unemployed. In addition, I ask for a forbearance and they told me that I needed to start a new process for forbearance despite the fact that I had given them every document possible. They have been very uncooperative and have shown no desire to work with me to resolve the matter. Bank of America seem intent on foreclosure as opposed to working with consumers and they are doing this despite 10 years of consistent payments and an outrageous interest rate. Their tactics are predatory in nature.

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 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE

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 06-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I settled both of my Capital One accounts with the law firms handling the debt. I have disputed the balance multiple items on my credit report to show updated as paid in full and Capital One is refusing to update it which is causing my credit score to remain really low. They ca n't do this and it needs to be removed from my credit report now since they are reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have ben trying to dispute a bankruptcy that is on my credit report for over a year with TransUnion. I have sent in letter after letter, and also verification that this bankruptcy does not belong to me. The only reason they keep verifying it is because they are calling an automated system getting information. I called today an spoke with XXXX on XXXX/2018, and at first she said they verified electronically, then when I informed her that I contacted the court and they informed that that they do no communicate with any credit agencies or third party credit agencies, then she comes back to the line and tell me she called a number and verified it on the phone just then. my question to her was how do you know that he information was correct when you did n't actually speak to a live person, and you did n't physically receive any paperwork verifying this information. She told me well that was all they needed they did n't need to speak to anyone or need any paperwork to verify it. I find this practice odd because most public records are verified through XXXX or XXXX. I just want it verified the correct way or have them remove it from my credit report. I have sent information to them verifying that the BK is not mines and can not be verified.

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 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: MY PAYMENTS IS DUE AD THEY ALL 3 TIMES BEFORE NOON EVEN AFTER YOU TELL THEM YOU WILL ALL BACK THEY ALL AGAIN AND AGAIN AND AGAIN, YOU ALSO TELL THEM YOU WILL PAY BY A CERTAIN TIME OR A CERTAIN DAY AND THEY SAID OK AND ALL YOU THE SAME DAY. I HAVE RECEIVE A TOTAL OF XXXX CALLS IN THE LAST WEEK FROM THE SAME PEOPLE I AM NOT I COLLECTION WITH THEM I DO OWE THEM I AM NOT SKIPPING OUT ON THEM THEY ARE GETTING PAID I WANT THE CALLS TO STOP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Problems caused by my funds being low

Complaint: I now have a negative balance of over {$200.00} a check was posted to my account for {$86.00} Wells Fargo then decided to charge an overdraft fee for a {$7.00} debt which set in a charge of {$35.00} of which set my {$86.00} into a negative of which they charged a {$35.00} fee for that then they reversed my check of which set off yet another {$35.00} overdraft charge I am annoyed with these fraudulent charges and practices

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The public record / lien that was recorded ( Ref. # XXXX ) does not comply with the rules set forth in the National Consumer Assistance Plan that states that liens must have a full name, address, FULL social security number, and/or date of birth to be included on a credit file. The lien and subsequent lien release recorded does not include all of the required information to be included on my credit report. 

The public record / lien ( Ref. # XXXX ) should not have been filed against me or included in my credit report, as I did not owe the State of Oregon personal income tax for the period ending XXXX XXXX, 2014. I received a personal income tax refund of {$180.00} from the State of Oregon for the year 2014. While the lien has been released, State of Oregon does not do lien withdrawals and is on my credit report.
I have included attachments regarding the liens and tax summary for 2014.

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 08/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Customer service / Customer relations

Complaint: Years ago I used my Bank of America card to keep my XXXX year old mother in a nursing home. The balance soon grew very large. After she passed away I began to repay BofA a larger monthly payment. I did pay monthly {$500.00} a month and XXXX or XXXX times I payed BofA {$1000.00} a month as they requested, to get the balance down. This was very difficult, so I reached an agreement with them to pay $ XXXX monthly I did this automatic payment for about two years. 
About 6 or 9 months ago I noticed the {$200.00} was not being taken from my checking acct. I called BofA and was told my acct. was written off and it was sent to collections. I told them I would have happily continued sending them {$200.00}. They did not contact me in anyway that to say the payments were schedule to stop. I asked what could I do. They said " nothing, once its gone to collections, there is nothing you can do ''. I asked for the address to begin paying again to a collection agency. Of course this places a negative credit mark for many years on my credit history. It seems so wrong the way they managed my acct. and placed my acct to collections without a tele. call, nor an email, or a letter to give me a chance to continue making payments. This lack of common courtesy to me by sending my acct to collections was wrong, and costs me a lot in higher interest rates throughout my life. I am XXXX years old and do not have a lot of years to wait 7 years for them to remove the " Sent to collections ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Money transfers (International money transfer) with XOOM CORPORATION (FL).
Issue: Fraud or scam

Complaint: I got 2 emails today one stating I had authorized a transfer to XXXX XXXX for {$100.00} ( XXXX seems to be their fee ) thru a company named Zoom and the second one cancelling said transaction. 
I did not do neither. I never sent the money to begin with and now I 'm very concern because despite the fact it was cancelled these people had my information and when I called this Zoom place I was placed on hold and then passed to a 'verification ' office were a person named XXXX wanted my personal information and when I did not want to give her my personal information she said that without it she could not help me. 
I need to make sure my information is safe and to know how this people got a hold of my information Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Vehicle loan or lease (Loan) with DriveTime (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Drivetime XXXX  are liars. I have talked with so many people to the point where I give up. I have told them numerous times the car can not be driven. If you guys want the car please go pick it up. You all have done nothing for me the only reason you guys paid the fee to pick the car up is because your sorry warranty team did not pick it up when it stopped in the middle  of a busy road. I  will just keep filing complaints. You all are a scam and there are countless lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I purchased a car through XXXX XXXX back in either XX/XX/XXXX or XX/XX/XXXX. I made all of my payments on time. In XX/XX/XXXX, I claimed bankruptcy. When the company got notice from the court, they shut off my access to my account. I continued to make my payments on time and signed a reaffirmation agreement. I called in XX/XX/XXXX, because I could not access my account. I was told that I had to wait until the bankruptcy was discharged, to have access to my account ( statements included ). My bankruptcy discharged in XX/XX/XXXX. I called in XX/XX/XXXX to find out why I still could not get access, and was told it could take up to 3 months for them to get the discharge information. I called again today, XX/XX/XXXX because I am still unable to access my account, and XXXX XXXX still hasnt reported my payments to the credit bureau. I was told today, that unless my bankruptcy was terminated, which to my understanding, is a dismissal, which will not happen because its been discharged, I will not have access to my statements or account! I signed a reaffirmation agreement for the sole purpose of the company reporting my payments to the credit bureau, to help rebuild my credit. I have no information such as account numbers, or what is left to pay on my loan, or how much of the {$510.00} a month is going to interest or principle, to supply with this complaint because they will not give me a statement or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed for Bankruptcy XX/XX/XXXX and was discharged XX/XX/XXXX. The bankruptcy trustee did not pay the real estate taxes on properties in the estate and the liens have been recorded against my personal credit although they were not my liability.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is refusing to delete an account that is older than seven years, and that is reporting inaccurate information, I was never late in XXXX of 2016. I consolidated my Department of Education loans with XXXX Loans.

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