milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Checkr, Inc (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Checkr performed a background check on me and was only authorized to look back 7 years based on the contract I signed. They put negative info on my report that was 12 and 15 years old. This influenced XXXX to not allow me to become a driver for them. They violated my rights and are now discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i feel XXXX over charged me disconnection fees for lines that where prepaid. now that XXXX doesnt have disconnection fees for there new customers, im left with the bill. this bill is about 7 or 8 years old. no one has called me about it. nor have i received any type of detailed bill explaining what i owe. even when i go to XXXX they cant find anything on my case ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Debt collection (I do not know) with Alorica Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company is West Asset Management. They have called me several times, and each time they ask for a different person. I have been told XXXX times that they will take my number off of their list.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NJ).
Issue: Using a debit or ATM card

Complaint: I attempted to withdraw {$60.00} from a CITI Bank ATM on XXXX/XXXX/15. No money or receipt came out of the machine, but nevertheless my Credit Union account was debited {$60.00}. 

I am trying to resolve my {$60.00} problem with my Credit Union but my concern is that no ATM should be set up to charge an account when no money is dispensed. The functioning of these machines should be examined. I attempted to find someone in CITIBANK to address this but they shunned responsibility, and blamed it on the XXXX store where the machine is located-which is of course ridiculous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've disputed child support enforcement account #   XXXX   going on 5 times before, I 've provide full official documentation from my county clerks office, the official account history keeper, showing every payment I 've made since  XX/XX/XXXX - XX/XX/XXXX  without missing a single payment since the day I was ordered to begin paying child support,   XXXX   and  XXXX , have fixed the account listed above accordingly and in my favor since I have proof, experian seems to not care about my proof and has failed to fix this issue. There response is always we are working on it or the documentation you 've provided is not sufficient, how ca n't it not be sufficient when it comes straight from the  XXXX  county Clerks Office. Please help, I 've attached complete 7 year history of payments from day 1 till now, plus a separate month statement  XX/XX/XXXX  to be exact, according to experian I failed to pay on that month, and lastly a couple transcripts from web chats with child support agents, where I clearly state my case with them about this error and they acknowledge no delinquencies on my account. 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 12/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016, in a previous phone conversation, I spoke with XXXX XXXX of Bayview Loan Servicing regarding a letter I received on XXXX XXXX, 2016, from Bayview Loan Servicing stating " you notified us that you did not want to accept the offer. '' I told XXXX XXXX that I never notified Bayview Loan Servicing that I did n't want to accept the offer because I had never received the offer from them. XXXX XXXX became very combative and angry with me he stated that 's not what the letter said. XXXX XXXX also became extremely combative, angry and aggressive regarding permanent modification documents Bayview Loan Servicing claimed they sent that I never received until XXXX XXXX, 2016, with Permanent Loan Modification documents dated XXXX XXXX, XXXX 
Although I indicated to him over and over again that I never received the first set of documents and that the second set were water damaged and late and that I had notified Bayview Loan Servicing of this, and that I was back and forth between the hospital dealing with a terminally ill husband and had been checking the porch everyday, XXXX XXXX LITERRALLY ATTACKED ME, BULLIED AND HARRASSED ME AND WAS ANGRY AND AGGRESSIVE BECAUSE AS HE STATED BAYVIEW LOAN SERVICING MANAGEMENT AND SUPERVISORS HAD GAVE HIM PERMISSION TO DO SO, and he is bullying me XXXX XXXX STATED SO WHAT PEOPLE DEAL WITH STUFF EVERYDAY AND SOME PEOPLE LIKE YOU DO N'T WANT ANY HELP AND INSTEAD OF FILING COMPLAINTS WITH THE CONSUMER FINANCIAL PROTECTION BUREAU you should sign the predated XXXX XXXX, 2016, Permanent Loan Modification Documents that Bayview Loan Servicing dated XXXX XXXX, 2016, and put into a XXXX dated XXXX XXXX, 2016, that I did not receive until XXXX XXXX, 2016. Bayview Loan Servicing XXXX XXXX XXXX Manager was very angry, aggressive and combative with me and kept accusing me of not wanting help and not wanting to sign the permanent modification documents. XXXX XXXX told me it was going to be all bad for me if I do n't return permanent modification documents by tomorrow. XXXX XXXX ALSO ATTACKED ME ABOUT THE COMPLAINTS I FILED WITH THE CONSUMER FINANCIAL PROTECTION BUREAU AND CHISTISED ME ABOUT THE {$1.00} COMPLAINT. Due to me having XXXX XXXX on speaker when I was talking to him my daughter recorded the phone conversation because she said he was so angry and combative and people should know what you go through mom. I am posting XXXX of the conversations in additional documents. My daughter stated she is posting all of the conversation on social media so that people will know what Bayview Loan Servicing did to her parents. XXXX XXXX also stated that if an Attorney tried to change anything including the statement violating my constitutional right giving up a trial by Jury that Bayview will deny my permanent modification. My daughter is posting the full conversations on social media. I have attached a partial conversation because the full conversation would n't

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (CO).
Issue: Deposits and withdrawals

Complaint: Suntrust Bank handles the donations that people give us for our non-for-profit. We mailed in a cash donation along with a check that had been handed to us from a donor. We mailed it as certified mail to ensure that it would arrive at the bank. The USPS has record of delivering the envelope with cash and check in it. The USPS declared after a corporate investigation that Suntrust Bank had received the envelope. The envelope with the cash and check is missing. The check was for {$2000.00} and the cash was {$500.00}. The check has since been cancelled, but the cash is still missing. My complaint is that we are out {$500.00} dollars cash, from what looks like theft while in Suntrust 's care or negligence from Suntrust by losing our deposit. Suntrust will not take responsibility for the money. Suntrust will not take responsibility for losing the envelope, the check and the cash. I have record of it being delivered to Suntrust bank by the USPS.

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
Consumer complaint received 10/30/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Struggling to pay mortgage

Complaint: I took a Reverse Mtg in XXXX of XXXX. Champion Mortgage has been paying my property taxes and doing a direct withdrawal from my account monthly. In response to notices, I would always renew the agreement annually & there was usually a slight increase from the prior year. In XXXX, the amount was actually lowered. In XXXX of XXXX, I received a foreclosure letter from a Law firm. I then called Champion Mtg. to address this issue with no resolution. I was told they have been paying the taxes too long & the recommitment letter was sent without a reply from. me. I have never received such a letter. A process server placed a contact number to be called to serve me documents to sign. I have not called him back as I was seeking resolution otherwise. The amount owed on XXXX/XXXX/XXXX was {$6800.00} & increased without explanation to {$7900.00} by XXXX/XXXX/XXXX. For reference, I have my home insurance w/ Keystone XXXX. My name & address is XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX Loan # XXXX Champion Mtg, XXXX XXXX. XXXX XXXX XXXX, OH Email.XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have an XXXX XXXX XXXX that was paid on time. 
New bill arrived 10 days ago. Within two days, dunning robo calls began daily at about XXXX XXXX. 

Called customer service and set up payment date for end of month. Still calls are occurring XXXX days a week. 

Company is USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was shopping at XXXX XXXX and I am aware of my limit. I told the representative that I would like to pay part on my card and part cash. He said to me, we do automatic crease during XXXX XXXX and credit score would not be affected. I come to look at my credit score and saw hard inquiry and my score went down due to XXXX XXXX. I called the company instantly and all I was told was sorry for misinformed info from cashier. This is truly unacceptable.

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 07/15/2017 about Student loan (Private student loan) with Allied Interstate LLC (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have never applied for a private student loan. I do owe this company, I did n't agree to any part in a Private Loan, The Schools Financial Personnel Conducted Fraudulent Practices In This Claim.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened my mortgage with XXXX onXX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with XXXX onXX/XX/XXXX. The closed account for XXXX is still reporting negative on XXXX and Experian. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with XXXX XXXX  back in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX assumed the loan, it reports from the beginning of the opened loan original date. XXXX is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by XXXX. They acquired the loan and the information and reports from history.

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 06/15/2017 about Debt collection (Medical debt) with Receivable Management Group, Inc. (GA) (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I 've previously submitted a complaint against this company and did n't receive validation or a contract stating anything. This company has lied and said they sent papers to my 'Previous Address ' and also claims to have spoken with me this year which is a lie. They have violated m y Hipaa rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: CREDIT BUREAU HAVE NOT PROPERLY INVESTIGATED NOR REMOVED FRAUDULENT ACCOUNTS OF MY FILE WHE N IM  A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In the dispute of the day XXXX/XXXX/XXXX hereby request the validation of this account, but after 18 days I have not received any document at the address reflected here, any information you send me, not my signature show make me responsible, accepting the terms and conditions thereof, is invalid, if they need a request for physical validation, sent them without objection, you can not blame an individual for a debt would supposedly test information format printing, without the existence of my signature, the law is accurate, unverifiable or inaccurate accounts they have to be removed, it is my right under the FDCPA 15 USC XX/XX/XXXXg sec 809 ( b ) FCRA Fair credit reporting Act 1 Show me that license numbers are registered and agent 2 Explain and show you how calculated me what you say i owe 3 Any contract or document signed by me to make me responsible for this debt. after XXXX i can receive XXXX dollars for defamation of character in lawsuit, i request a letter of consent where it is manifest that will not be sold to another collection agency and be closed systems in their correspondence should with return receipt be sent to verify that i have received correctly

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After reviewing my credit report i seen that i have some unauthorized credit inquiries, i contacted all 3 credit bureaus and placed fraud alert as well as disputed the inquiries, Equifax sent me a letter stating that i need to contact the creditors, i contacted the creditors and received letter from most creditors that the inquiry is fraudlent and will be taken off my credit report, i sent copy of all letters to Equifax and there was no response neither deletion of the inquiries, along with this i received notifications from XXXX that my identity has been sold on black market and as well a notification of unknown attempt of someone signing in into my email, i contacted Equifax again concerned about my identity and inquiring about the fraudulent inquiries and never received any type of response or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Medical debt) with Credit Systems International, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: credit systems international debit recovery put an open charge off with no bill ever from 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: I regularly transfer funds into my Wells Fargo checking account, from my primary savings institution, which is a Credit Union. The last transfer I initiated was a next business day delivery, which I sometimes choose. Funds were ordered on XXXX/XXXX/2015 and should have been credited on XXXX/XXXX/2015. I have initiated these transfers, well over a XXXX times in the past, both XXXX business day and XXXX business day requests, with no issues. The most recent transfer in question, was not credited until the XXXX business day, instead of the next business day, as was requested. As a result, my account was debited on XXXX with outstanding checks, and my account was placed into overdraft, which I have protection for. The deficit was covered through funds in an associated savings account. In addition, an overdraft fee was charged. If the entire amount of the funds transfer from my Credit Union account had been credited on XXXX/XXXX/2015, as should have occurred, the account would have not have been in danger of overdraft. I contacted Wells Fargo customer service, requesting they reverse the overdraft fee. The representative on the phone refused, at first, but reacting to my repeated request to reverse this erroneous charge, offered to credit 25 % of the overdraft charge?? I declined the offer and requested to speak with a supervisor. I was connected to XXXX XXXX in the Texas call center. I reiterated my account of what happened, resulting in not only the same 25 % offer, but in addition, she tried to place responsibility on the Credit Union which sent the funds. After repeated requests to reverse the entire overdraft fee, I was again offered the 25 % refund. I declined and ended the conversation. I have checked with my Credit Union and they contend that nothing out of the ordinary occurred with my transfer request. As mentioned before, I have engaged in this same type of transfer over a XXXX times, with no prior issue. Additionally, in the XXXX years since I 've had these accounts at Wells Fargo, an overdraft has never occurred. This is simply a case of Wells Fargo getting an additional day of float on the funds transferred into the account, as well as, a spurious opportunity to charge an illicit fee ... .very simply, a fee grab by XXXX of the XXXX largest banking institutions in the country, involving a relatively small customer who has several accounts with them. The primary reason for my relationship, is because they acquired my accounts subsequent to a takeover of a regional bank, which had very exemplary customer service, and I 've remained with them as a convenient way to pay my mortgage. A resolution to this issue I 'm reporting would be to very simply, refund the entire amount of, what I believe is, an invalid fee which was charged because of Wells Fargo 's own inefficiency.

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 EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XX/XX/XXXX, I received a credit report alert for the first time through XXXX notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named XXXX XXXX XXXX. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number. Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: CRA is in direct violation of fdcpa, fcra, state and federal consumer credit reporting laws.

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