milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Debt collection (Other debt) with I.C. System, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had an account show up on my credit report at XXXX XXXX it stated it was a XXXX account opened in XX/XX/XXXX. The account they are referring to is an account from XX/XX/XXXX that was handled and resolved in my divorce. The equipment was returned to XXXX and my ex-spouse took care of the remaining. I have not lived in Georgia since XX/XX/XXXX and have never been contacted about this account since. Now all of a sudden it is showing up on my credit report as a recent account. I tried to contact XXXX and XXXX XXXX on XX/XX/XXXX and just get transferred from one department to another. XXXX states I have to speak to XXXX XXXX and XXXX XXXX states I can just write a letter. They are reporting this account incorrectly and refusing to hear anything about it.

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 10-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Trouble during payment process

Complaint: I paid down my home equity line of credit to zero but kept the account open. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the XXXX try I reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account and that my account was closed. I said that was not correct -- I never closed the account, only paid it down to zero. I was also told that I would continue to be charged interest on this balance until XXXX even though I no longer borrowed any money. I was told that even if my balance were zero I would continue to be charged interest because " that is the way variable rates work. '' Unable to get a straight answer from the HELOC support team, I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because the HELOC had been apparently misrepresented when sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. That never happened. 

I placed a complaint with the CFPB because I ran out of other options. Fortunately, I received a response to the CFPB complaint. But it was not from Bank of America. The response came from a debt collector requesting my personal information. Since Bank of America is not responding to this complaint, I ca n't verify if this organization is legitimate or shady. 

The debt collector is only open until XXXX. There is no email or web form ; there is only a phone number. I have called XXXX XXXX, XXXX XXXX, and XXXX XXXX without response. 

As Bank of America will not contact me directly but seems to respond to CFPB complaints, I will continue to correspond through this channel. Bank of America claims it will continue to charge interest on the fees that are in question, which is irresponsible and unethical -- the longer it delays in responding, the more Bank of America stands to gain in interest. I do hope the CFPB complaint system can help me here. I have been a customer of Bank of America for 20 years and they do not have the decency to contact me directly.

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 09-05-2017 about Debt collection (Credit card debt) with DISCOVER BANK (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Just received this email!  the password that they used is the same one I used ONLY to get into my discover accounts!!!!

On Wednesday, XXXX XXXX, 2017 XXXX XXXX, XXXX XXXX  wrote:
 
 
Hello XXXX XXXX,
 
You (or someone else) has just registered an account on XXXX XXXX XXXX. We are checking the validity of all email addresses to avoid that customers pay for services and finally don't get their confirmation emails with the access data.
 
Clicking on the link below will activate the account and you will be able to resume the signup process:
XXXX
 
username: XXXX
password: Using the pass word that I used to get onto their site to pay my bill!
 
--
Best Regards,
Customer Support team

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: Hurricane disaster deferment scam ... ... ..

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 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
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 01-03-2018 about Debt collection (Mortgage debt) with Specialized Loan Servicing LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Loan matured XX/XX/XXXX.

Loan extension was requested prior to maturity but terms of modification were never disclosed to me. I was not willing to pay trial payments without knowledge of the modification terms. 
In XX/XX/XXXX, I requested a payoff amount to pay loan in full. I received a payoff quote charging me interest up to the end of XX/XX/XXXX which is way pass the maturity date. I requested to have an updated payoff with interest up to the maturity day. the investor stated this is not allowed. I checked the credit agreement today on XX/XX/XXXX and no where in the agreement it says they can charge interest past maturity. in fact, there is language that talks about a balloon payment at maturity where all interest and principal is due up to that point. that is all I want to do - I want to pay the account accurately and in full up to the maturity date. they stated if I pay less than that then the account will reflect as settled and non paid in full on my credit history. I do n't agree with this. in addition, today 's representative " XXXX '' stated that there is default language in the agreement that states they can charge interest pass the maturity date. this is a lie as nothing is stated in the agreement regarding default. he proceeded to hang up the phone when I asked for the language he was referencing.

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 05-11-2015 about Debt collection (Medical) with Account Brokers Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Account brokers of XXXX county picked up a debt of medical bills that my insurance was suppose to pay but did n't. The bill was under XXXX dollars but they sued me for it and added XXXX dollars for that. That increased the debt to over XXXX dollars with interest I paid them XXXX dollars then about a month and a half later they send out a wage garnishment and added XXXX dollars for that even though I was paying then. The garnishment paperwork says they are now coming after over XXXX dollars off my wife 's wages!

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing information on my credit report on several accounts for 2 years. I have included excellent proof which consisted of a signed letter from the property manager for account with the name of XXXX ( XXXX XXXX XXXX ), indicating it was paid 5 years as of today and given to me upon payment for my records. Yet they have not deleted it. The XXXX item is XXXX, it should never have been listed for the following reason : A ) It is illegal in the state of Maryland for judgments to be placed on credit reports unless the money judgement box is checked, B ) The amount on my credit report is {$9000.00} but the judgement amount was {$4100.00} C ) I filed an appeal to vacate it and it was granted and D ) By law credit bureaus are supposed to delete inaccurate information and by no means should those accounts still be listed after I provided substantial proof. My next step will to file a lawsuit against XXXX and Equifax if they keep refusing to delete the items and intentionally disobeying the mandated laws that are suppose to protect consumers..

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had credit card debt with the company called XXXX XXXX. The debt was approximately {$3500.00}. At the time I obtained the credit card I was married and was paying everything on time. Unfortunately shortly after, I got divorced, changed my last name back to my fathers and stopped paying my credit card debt. Many years later the company called Pressler and Pressler bought my debt from the bank XXXX XXXX. In approximately XXXX Pressler and Pressler began contacting me constantly but it was to my old last name, which was my ex-husbands last name. Eventually they put a link on my social security and continued calling me to pay. Years later they sued me again but this time to my correct last name. Pressler and Pressler also began garnishing my checks, taking 10 % of my pay per week. After about a year or so my pay drastically dropped and they could n't continue garnishing my checks because of how little I was now making. About two years later a court sheriff came to collect my tenants rent which was when I decided to get a lawyer. We tried settling but they refused all negotiations. Eventually my lawyer made a deal with them to pay {$2500.00} off the bat and {$500.00} every month until the total of {$5400.00} was paid. I decided to pay it through my lawyer to make sure everything was accounted for. After the last payment was made my layer called them to confirm that I did n't owe anything else and they told him everything was paid off. Many months later another sheriff came to collect my tenants rent with a new court order. About a week later I received a letter with the same sue asking for the same amount of money I originally owed. The only difference now is that the envelop contained my first name followed by my ex-husbands last name and inside the letter had my first name followed by my ex-husbands followed by " - '' followed by my actual full name with my father 's last name. We have proof and copies of ALL checks that were sent to them, copies of my divorce papers, and copies of the company I worked for when they garnished my checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (FHA mortgage) with MB FINANCIAL, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company did not pay the flood insurance out of escrow as it had been set up. As such I had to pay my flood insurance and submit verification or lender insurance would be secured. I obtained insurance in XXXX, submitted proof in XXXX, XXXX and twice in XXXX. The insurance was not verified so I had to pay an extra {$500.00} to cover the lender procured insurance. I submitted my normal payment, plus XXXX as I always do to pay my mortgage of quicker, but the lender refused to process it since it did not cover the full cost of the extra insurance. 
MB financial blackmailed me into paying for insurance that was not needed, since I had already sent in proof 4 times for valid flood insurance, and was way over priced ( normal insurance is XXXX a year and their insurance is XXXX a month ). They offered a refund of course but if i did not pay the full amount XXXX before the end of the month, even though they had my proof of insurance, they were going to start charging late fees and of course report to the credit bureaus. 
I had paid XXXX but they refused to process until I paid the extra XXXX over the phone. They could not process a partial payment of XXXX, but would process a partial payment of XXXX and then apply the other payment. 
This can not be proper. To procure self insurance at an absurd rate and force someone to pay, even after proof of insurance was submitted multiple times. The threat of piling up late fees on top of attacking my credit is absurd and hopefully illegal. Thank XXXX I have the resources to pay, wait for a refund but if not they would have intentionally attacked my financial well being over their mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Last week I contacted the Veteran, s Administration to see if they can reduced my Home Veteran 's Loans monthly payments. They check my credit and to my surprise they said that my Score was low.and that XXXX of my accounts were delinquent for some time. I told the counselor that it was impossible because I always make the payments. The XXXX XXXX XXXX are paying the bills for about 2 years. The VA counselor told me that I have to find out thru XXXX XXXX. I called XXXX and told them to send me all the payments made from XXXX 2015. They send it and and find out that the XXXX was making the payments, XXXX send me to The Credit Bureau, Experian,. and that was the cause why my scores went down like crazy. My telephone is XXXX, My address is XXXX XXXX XXXX, XXXX, Tx XXXX. This is serious business. Thanks XXXX XXXX 2015. They dis sen

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 08/22/2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (MO).
Issue: Taking out the loan or lease

Complaint: My credit score according to XXXX, is XXXX. I applied for a pre-approval to US Bank on XX/XX/XXXX. They obtained my credit report on XX/XX/XXXX. On XX/XX/XXXX, I contacted them to inquire as to the status. 

They requested to contact the dealer and ID the car, both of which I happily orchestrated. I told them I need an answer, as they advertise " approval in minutes '' and I am losing the option to buy this particular auto. After requesting further documentation, I angrily told them in no uncertain terms I would NOT do business with them. 

They were aware of the XXXX value of the auto I was purchasing, the XXXX I was putting down on the purchase, and aware of my credit score. According to the subsequent institution I obtained the loan with, they confirmed that it was " highly unnecessary '' to request or obtain any further documentation regarding the loan than I had disclosed to USBank. It 's their right to refuse my loan based on logistical parameters, however, this was blatant discrimination. 

My complaint however, is not about discrimination, although I am absolutely sure this was a personal discriminatory decision from a representative of UBank. 

My complaint is that this institution, or someone within it, deliberately, with malice and obtained a second credit report on XX/XX/XXXX, 3 to 4 days AFTER I told them to cancel the application, and that I had " no intention '' of ever doing business with USBank, and that I was in fact going to close my account which is held by them. 
I have proof of this VIA my XXXX Credit account, which alerts me to all activity concerning my credit, including any request to obtain said report. 

I have uploaded a screen shot of the proof of obtainment from USbank on XX/XX/XXXX ( valid ) and XX/XX/XXXX ( Malicious and illegal ). 

Access to the actual account where this proof resides may be obtained from me, to verify and validate the screen shot I have attached. 

I find it revolting that a personal grudge largely stemming from the unethical, capricious and arbitrary actions of those involved, later utilize their position to illegally and without due cause or authority, to take personal action in hopes of one can only deduce, to create a deleterious outcome for me, the consumer.

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 09/22/2016 about Other financial service (Check cashing) with CNG FINANCIAL CORPORATION (TX).
Issue: Customer service/Customer relations

Complaint: The cashier named XXXX XXXX, working in the Check 'n Go store located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, took my driver 's license and social security number, and input the numbers into the company computer system before telling me how much they were going to charge me to cash a {$500.00} insurance check. When I asked her why she did not tell me the fee amount before taking my personal identifying numbers she flew off the handle. She shoved the check back at me and tapped the keyboard once or twice and angrily said, " there now you 're info is deleted ''. I took out my phone to video the conversation and she yelled at me that it was illegal to video her and she threatened to call the police reaching for the panic button and picking up the phone. This woman is extremly rude and does not need to be working with the public. My greater concern is that this company now has my personal identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax had a security breach that affected 143 million people. This is a credit monitoring service. It took them over a month to find the breach. How can ANY of these credit monitoring services be trusted with our very personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am submitting a complaint on Convergent once again because they are illegally reporting a collection on my credit that is a result of the identity theft that occurred on my credit. In 2014 I disputed this debt with them and the debt was removed from my credit profile and once again they are reporting the same debt on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX  and the credit bureau XXXX, XXXX and Equifax, I even conferenced a call with XXXX and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My husband and I are in the middle of an FHA Short Sale for the property located at XXXX. XXXX, GA XXXX. FHA /Investor requirement to be late on our mortgage to get FHA short sale approval. Supporting documents are uploaded. Please examine, audit or re-evaluate credit. As you see from the credit report that all creditors shows excellent record- " paid on time never been late. ''

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 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Funding has been trying to collect for the wrong balance for years! High balance is just over {$700.00} for original creditor, and Midland is trying to collect over {$1000.00}!!! Midland is also showing a Payment History and MONTHLY TERMS!!!! I never signed an agreement with this company! Under status it says CLOSED Collection on XXXX and XXXX Reports and yet they are still reporting!!!! Last status update for XXXX and XXXX is XXXX/XXXX/XXXX. XXXX is XXXX/XXXX/XXXX. PLUS I never did received a debt validation from this company when I sent one years ago! Says Original creditor is XXXX or XXXX XXXX and I never signed anything for that company! I believe the original company is XXXX!!

Company response to consumer: Closed with explanation