milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with ERC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have not had a contract with  XXXX . The Debt is not mines. the creditors continue to remove the debt and then reinsert it back on my credit with a new date

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Debt collection (I do not know) with Sortis Financial, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received a " Monthly Loan Statement '' from Clear Spring Loan Services each month for several months stating I have an outstanding principle balance of {$70000.00}. This supposed debt/loan is not identified in any way and is addressed with an incorrect middle initial. I have absolutely no outstanding debts that are not current and that I am not fully aware of. Therefore, this loan either belongs to someone else, is a fraud/scam, or is an attempt to collect a debt that has been paid/discharge. 

Despite the fact that I expressed this to Clear Spring in writing one month ago, I just received another Loan Statement dated XX/XX/2017 and have received absolutely no response to my concerns. I would like this practice to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WA).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to facilitate a short sale for the homeower XXXX and XXXX XXXX. This file has been completed including values, sellers information and short sale docs needed for well over 30 days. I have lost XXXX buyers already. This file has been in progress for over 6 months and since our last buyer made their offer its been sitting there with absolutely no updates, no movement for over 30 days again. I have asked that the file be escalated and someone to call me back, but after XXXX separate attempts at that no one is still responding and the file still has not been reviewed by the underwriter. We are about to lose our XXXX buyer and US Bank is just holding our file hostage instead of working on the approval for the sellers. I need some help in getting this bank to do what they are required by law to do, which is respond to the seller in writing one way or the other within the guidelines set forth in the Making Home affordable act.

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 02/13/2018 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I want to provide USAA with additional prove that I was a victim of fraud back in XX/XX/2014. Again the case was tried in the court of Law by the State Attorney Generals office if Delaware Case Number # XXXX. In this compliant I want to provide USSA a copy of the Bank Wire from my personal bank account where I paid for the car with my personal funds. In addition to the documentation I am enclosing an email correspondence, in which XXXX XXXX XXXX acknowledged to have received a direct wire from me to purchase the XXXX XXXX XXXX XXXX, which provides verification of fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my Equifax report, there are multiple hard inquiries that I do not recall applying for. 4 to be exact. it goes in this order : XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( this one is also on my XXXX report ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( I 'm not sure what XXXX is )XX/XX/XXXX I have always been approved for the cards that I apply for. 
I have also had a cell phone financed through XXXX for over a year now, so I do n't know how that ended up on there. 
and XXXX XXXX, I have never heard of this company before.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: XXXX confiscated my Federal Income Tax Return for XXXX and XXXX, with no XXXX-day notification of said action. In addition, XXXX began garnishing my wages as of XXXX XXXX, again with no XXXX day notice of said action or notification of my rights to prevent such measures, as spelled out in the Consumer Protection laws, Administrative Wage Garnishment laws and the FDCPA, etc.. In addition, I had previously mailed XXXX a debt-validation request letter and then a follow-up letter informing them that " they are attempting to collect on a Zombie Debt. '' The latter mentioned letter was entirely ignored, as they began garnishing my wages in the same month the letter was mailed. I have since sent XXXX a " cease and desist letter, '' informing them that they are violating the consumer protection laws and are unlawfully garnishing my wages, which must stop immediately and let proper procedure follow. It has now been XXXX days since they received this letter and I have received no response, and my paychecks are continually garnished, UNLAWFULLY.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease

Complaint: I had leased a XXXX and my lease was through Ally XXXX. I returned the car at the end of the lease on XX/XX/2016. The inspection was done by Ally on XX/XX/XXXX ( after XXXX weeks ). Then Ally sent me a bill for {$550.00} for damages that did n't exist when I returned the car. I spoke to Ally a couple of times and emailed them but they just keep sending me the bill.

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 04-08-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Central Financial Control also know as Syndicated Office Systems continues to publish derogatory information to the credit bureaus regarding paid medical bills. In a settlement between NY States attorney XXXX and the credit bureaus, the credit bureaus agreed to remove medical bills from an individual 's report after the debt is paid.

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 05-04-2016 about Debt collection (I do not know) with Solutions To Portfolios, LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received multiple calls from multiple people claiming to be from STP Management saying they are attempting to collect a debt. I have twice asked the person on the phone to send me via US Mail the paperwork connected to this debt and when asked they become hostile on the phone. Today I received a call from the listed number saying his name was XXXX and his message was somewhat threatening in tone, like mafia like threatening. This company is listed all over the web as being a scam or operating a scam and someone needs to look in to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Called XXXX and the associate told me that as far as she can see all my payments are made on time and are current. The date on my bank online credit monitor says date last reported as XX/XX/2015 and stated that I have 1- 30 day late which is this month she should see something. Also this account has autopay which would also make this impossible. She said that She could give me copies of statements but could not transfer my call or other wise resolve the dispute. My Phone is XXXX email XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: American express has frozen all of membership points for no reason at all. I have called several times and they keep telling me it will take 6-8 weeks for someone at corporate to review my account. I believe they have " randomly '' picked me out just because of my XXXX name. I can not find another reason for them doing this.There is no reason that ALL my XXXX membership rewards point should be frozen and this includes all my membership points accumulated, going on for several years now. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX, XXXX Repeatedly calling friends, family and business after requested not to.

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 03/31/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CO).
Issue: Problems when you are unable to pay

Complaint: My vehicle was repossessed on XXXX XXXX, 2015. I do n't think it 's fair that the lender can repossess my vehicle as collateral and still earn money as a result of a deficiency. The only compensation should be the collateral and not both the collateral and deficiency. I have also left messages for the company that repossessed my vehicle to allow me to come and get my personal property and they have not returned any of my telephone calls. Consumers should not be treated in such a disrespectful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus.
 XXXX  reported they used a 3rd party to verify the information which is   XXXX   XXXX  . I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account.
This is a violation of the FCRA because they are reporting INACCURATE information on my report.

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 08-05-2017 about Debt collection (Other debt) with ERC (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On  XX/XX/XXXX , I checked my credit scores from  XXXX ,  XXXX , and  XXXX  in order to obtain refinance for our mortgage loan. My credit scores with all   XXXX   (   XXXX   ) credit bureaus were low due to   XXXX   XXXX   XXXX   and their 'third party collection agency, '' ERC.   XXXX   XXXX   XXXX   had referred my account in the amount of {$160.00} to the collection agency ERC. I had filed a complaint with Better Business Bureau against   XXXX   XXXX   XXXX   regarding my cell phone billing. My complaint is based upon cancelling my services due to poor coverage, making monthly payments, and billing from their third party ERC, collection agency. Prior to that, I had an old account with   XXXX   XXXX   XXXX   then when I signed up again it went to another account. I spoke to   XXXX   XXXX   XXXX  , Manager Executive Response regarding the billing problem on  XX/XX/XXXX . As he had indicated on the BBB response that part of the payments paid off the balance on that account and the overpayment was refunded. There was a credit balance on the account that he transferred to the account in question. I had mentioned about the refund. Subsequently, as consumer I rebutted to the business response.   XXXX   XXXX   XXXX   response that I work with the third party collection agency to settle the balance. On  XX/XX/XXXX , I contacted   XXXX   XXXX   XXXX   third party collection agency, ERC, to settle the account. I talked to   XXXX   XXXX  , ERC representative and the settlement owed is {$81.00}. We discussed settlement payments for  XX/XX/XXXX  in the amount of {$40.00} and  XX/XX/XXXX , {$41.00}. ERC attempted to charge me {$28.00} in order to initiate this transaction, which I was not willing to pay, then offered me {$8.00}, and again {$2.00}. As per my phonecon with   XXXX   XXXX  , I told him to waiver it since I am a  XXXX  veteran,   XXXX   XXXX   XXXX   and living on a fixed income.   XXXX   XXXX   XXXX   hired ERC, third party to collect a debt which drastically affected my credit scores and prevented me from refinancing my mortgage, obtaining a loan, or purchase a brand new vehicle. This is totally unfair and it appears on my credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with 21ST MORTGAGE CORP. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been without a job for five months and I am trying to make ends meet, I have a counselor whom is trying to help me and the lender, 21st Mortgage, says that I can pay a lower amount for certain time but they keep sending me regular bills eventhought they are acepting the lower payment and I dont believe they are doing it in a good faith, my loan has gone thru problably more than XXXX servicers and there are a lot of things that are not right. They keep telling me that my loan can not be considered because I was in a 2008 bankrutpcy and I included the mortgage on it and I had a XXXX allready but, again, something wrong with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Payday loan () with Acceptance Solutions Group, INC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I received a pay day loan from Ohio Acceptance that according to Ohio law exceeded the max amount of a pay day loan and the fees and payments became excessive. And now they are taking me to court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with JPMORGAN CHASE & CO. (KY).
Issue: Billing disputes

Complaint: I have good relationship for over 1 years. I was a loyal card member never miss a payment. I notice fraud charges on my account and I notify Chase. Chase promtly took off my charges but then rebill it a month later on XXXX XXXX. Chase also closed my account. I do not know why a big bank like Chase would took those actions against customer while they lost their credit cards. Chase should not be advertise zero fraud, but when it happen they will close the account and let the customer deals with the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I currently bank  with WellsFargo and i use the app   XXXX   XXXX   to get paid daily for everyday i go to work.my bank is refusing to allow   XXXX   XXXX   update reports about my banking information. They authorized and update their info to active hours every 24 hours.   XXXX   XXXX   requests my bank info like balance etc to be updated every hour. Its an automatic system so whats the trouble right? Well they still only send updates to the app every 24hrs so thats n y complaint

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 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file at the time the lease was executed, most likely done online like all the other accounts. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/1986 I have attached to this dispute the police report and two letters from major financial institutions that opened and tried to open credit accounts in my name and mailed credit cards to the address of this apartment complex that this debt collector is collecting for. As you will read in the letters the banks did their own investigations and both banks agreed that identity theft took place. XXXX XXXX XXXX opened a credit card account in my name and sent the card to this apartment that the collector is collecting for. They have since removed the card from my credit profile and deleted it from their records after finding I was a victim of identity theft. The letter XXXX  XXXX XXXX sent was printed with the fraudulent address on the main page and the correct address on a page. Both pages of the XXXX  letter are attached.

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 11-02-2016 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collector called multiple times at my work office stating that I owe a debt which does not have the correct name nor address. Collector can not prove that I own the debt and can not verify any of the information which can be linked back to me.

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 02/29/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed XXXX medical debts with Equifax the end of XXXX 2015 via the CFPB. I was told I would receive results from the investigation within 30 days. I have not received anything from them via mail or email. These debts are not mine and should be removed from my credit report. As of end of XXXX, XXXX debts continue to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (VA).
Issue: Struggling to pay mortgage

Complaint: I have applied for at least  XXXX  loan modifications since approximately summer of   XXXX    . My request in   XXXX   was denied due to employment income being too high. When I applied in   XXXX  , I was currently on short-term  XXXX  with my employer and was still receiving full compensation. Since I was receiving full pay, I was then denied the modification request.     I was then awarded social security benefits in   XXXX   XXXX     and was then advised that I am totally  XXXX  and unable to return to work. I then reapplied for another loan modification since my financial/employment has changed. I repeatedly received numerous requests f or CitiMortgage requ esting documents and clarification on numerous items. I provided all documents to them as requested. I was just notified yesterday via phone that my request for modification was denied due to income being too high. My representative then told me that it appears that I earn approximately {$2800.00} per month. I then explained that my social security award letter confirms that my monthly benefit is {$2100.00} per month. I explained that I currently receive a monthly insurance long-term  XXXX  payment, but this monthly benefit is an insurance benefit and is not guaranteed. My monthly pay has been reduced by over 50 % since becoming unemployed.

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 10-12-2016 about Debt collection (Medical) with Professional Recovery Management (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was paid and has a {$0.00} balance and the collection agency will not remove it even with consent of the doctor 's office that issued the collection. The doctor has stated they have been paid and agree to the removal. I would like this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation