milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get a collection from a company representing a Cellphone company but I paid my bill in full when I switch with my new company and never received any bills of balance due on anything. I get phone calls from collection agency asking about a bill I do not have any knowledge of. I want the calls to stop and the unjustified bill to be removed and cleared to XXXX balance immediately.

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 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Stellar Recovery, is collecting a past due balance from XXXX so I made a payment arrangement for when I go back to work because I was in school during the summer, so that they would n't put it on my credit report but they put it on my credit report anyway because they said I did not pay it within their time frame but they never told me there was a time frame so that was misleading and unfair because if they were going to report it on my credit anyway then I could 've took as long as I wanted, but I tried to settle my debt and they screwed me over anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently filed a complaint with XXXX concerning XXXX XXXX. This complaint is against Experian. 
XXXX XXXX has placed another inaccurate post on credit report with Experian after it was disputed and successfully removed from my Experian credit report. 
Experian re-posted the inaccurate information on my credit report after they review and removed 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 non-monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Trans union has not removed negative information about my bankruptcy. I 've contacted transunion on multiple accounts without it being removed. Due to the new law issued XXXX 2017 states that improper or negative and or personal information can not be displayed on my credit 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 01/30/2017 about Mortgage (Home equity loan or line of credit) with The Lemoine Group, Inc (CA).
Issue: Loan modification,collection,foreclosure

Complaint: the company that purchased the 2nd mortgage loan on our property contact us and toll that we could get a loan modification or if not they would foreclosure on us.we fill out all the papers they sent us and we agreed to make payments for six months and come XXXX 2015 we would get together and do a modification but to our surprise we receive notice that the house had been sold on a foreclosure sell that we had 3 days to move out or be evicted by the sherrift police because the new owners wanted passetion of the house.I toll I was about to make my payment to the 1st mortgage he do n't do it we are paying them off we own the house. I call the company that 2nd mortgage and toll what happen we had agree to met on XXXX and do a modification the owner said its nothing personal its all business we own the house you have to move or be evicted.i toll that there no way we had a agreedment that the house had over XXXX dollars of equaty .he said lets meet so we did he came to the house and said that it wasent nothing personal but that they own the house we had to move out. I explain that how this could be that I had as my mom for a loan of XXXX dollars a couple months back to get courent with the 1st mortgage and we had to star paying it back on XXXX 2015. he said let me make a call to my associates and he did and said i all give you XXXX to move a get a rental place and if your out before the month ill give the money to paid your mom. I call the 1st mortgage and they set up for me to talk to my representative on the XXXX of XXXX but for some reason he did not call. I receive a call from the 2nd mortgage that why I had not cash the check thatif the month went by and we were not out we would loss the ckecks and be evicted by the sherrif. I went and met with XXXX lawyers but both wanted XXXX dollars and XXXX and hour to take the case and nothing warranty I did not had the money to fight the case. so we did move out before the month. I receive a call from XXXX the server on the 1st mortgage and he said that there was no way we sould had move out from the property that the only way for a foreclosure was if we were behind on our mortgage or property taxes witch was not the case we were current by the time the house had been rented and they had taken out XXXX dollars of the equity of the house on the XXXX weeks. by then the family had gone separated ways I was homeless for 11 months and got serve by my wife for the divorce and during the proses the judge said that something was really wrong and to call the 1st mortgage to see if we did own or not the house I did contact them and also XXXX and they both said that yes we are the owners and that we had to take this out with them the company that did the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Student loan (Private student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: I was offered a grant from HESAA and was asked to accept or decline the offer, after I accepted it and started school at XXXX. I was surprised today by an email telling me that NJ state higher education has cancelled my financial aid. Now I'm stuck with the school is charging me XXXX % of the tuition fee even if I drop the classes as I have to take a loan or pay out of pocket. I feel like that I was trapped by HESAA to take the loan. I'm sure that this inconvenience was not from my part and I think somebody made a mistake on HESAA by offering me the aid and cancelling it few months later after I accepted it and I would be happy if I can get help from you to fix this issue by reviewing my FA application again.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Re : Account Number end with XXXX Case Number : XXXX Capital One closed my dispute case and did n't ask me the same information they needed from my account Dear Sir or Madam, I 've made a dispute with Capital One credit card with the amount of {$270.00}. The credit card was charged by XXXX XXXX XXXX on XXXX XXXX, XXXX. I made the dispute because I went to the clinic with pain and swollen, the doctor checked my teeth and said he could n't find my root canal but they swiped my credit card for root canal treatment. I still felt pain afterward and after a month I finally got XXXX Dental Center to do the root canal. Capital One sent me a letter indicated that they want me to provide additional information about invoice or agreements but it was very frustrating because XXXX XXXX XXXX did n't provide any estimates, agreements or contracts to let me review or sign at XXXX XXXX, the date I went there. And I 've never agreed with any prices and never sign for any credit card receipts. 

Capital One rebilled me and sent me a letter and ask me about sales invoice or purchase agreement, from my understanding, the agreement or invoices should be provided by the merchant, and I 've never received one. I faxed the receipts I got on XXXX XXXX and I called Capital One again, they said they need to have " Second opinions from a professional specialist with a letterhead '' and they already closed my case.  They should provide a letter to me when they need this information but they have never asked me to and the letter they sent to me was the letter to ask for invoices and agreements. And that 's also the information not from my end, they should investigate the merchants, because they did n't give me one. 

FYI, I called Capital One again today ( XXXX XXXX ) The name of the agent is XXXX, Agent ID XXXX, she asked me to provide the second opinion from another dental specialist but she  also agreed that it was not the information which Capital One Dispute Department asked me to provided. But they already closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX things : Bank of America is refusing to allow us to pay our mortgage each month in XXXX parts- Both being early and before the month due. They continuously treat the second payment as deficient ( partial ) and ignore the first payment. And they then trigger additional service charges, interest and reported to the payment as late our credit bureaus. 
Second issue : We want them to decrease our principle. Our house is underwater by a very large amount and we paid for years and years a very high interest rate which they finally lowered when we complained to the XXXX office in XXXX Massachusetts. While our interest rate is no longer 8.65 % but a more modest 4.25 % - we have always had perfect credit and good income and have NEVER missed a payement or even paid late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED : -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015

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 09/26/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with U.S. BANCORP (OR).
Issue: Trouble during payment process

Complaint: Opened a home equity line of credit with US Bank in XXXX of XXXX. At the time I opened the credit line the representative at the bank said that in order to make payments on the line of credit I needed to open a checking account with the bank, transfer or deposit funds in the US Bank checking account monthly, and set up the equity line to automatically withdraw from the checking account to make the payment. I had no desire to sign up for a checking account, as I had no intention of moving my other banking to US Bank and did not want the hassle of maintaining and transferring money between multiple accounts, but did so anyway at the behest of the branch employees insisting that it was necessary to make the monthly payments. 

I made timely payments throughout the remainder of XXXX and into XXXX. At some point during that time period the branch employees encouraged me to downgrade my checking account from platinum to gold, to avoid fees for not carrying a large enough balance in my checking account. I told the branch employee that set up the checking account that I only intended to maintain enough of a balance to pay the equity line payment. Selling me that checking account in the first place was a mistake given that I never intended on carrying a $ 25,000+ balance. I made the change and continued to make my automatic payments to my equity line. The branch employee failed to inform me that the change in checking account type ( which I never wanted in the first place ) would result in an annual fee being added to my checking account. When the annual fee was charged it caused my checking account to have insufficient funds to pay my equity line, despite the automatic deposit into the checking account that I never wanted. 

The cascade of this ( starting in XXXX of XXXX ) is that I have been charged hundreds of dollars in overdraft fees for a checking account I was coerced into opening ( that was closed by US Bank ), been charged late fees on my equity line and given a 30 day credit late for a late payment on my equity line.

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 monetary relief
Consumer complaint received 08-01-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am in the middle of refinancing my home mortgage when I was told my credit score dropped from the XXXX to the XXXX because of a $ XXXX collection. When I pulled my credit reports there is a company, XXXX XXXX claiming I owe an education debt of $ XXXX. I have two student loans, one with XXXX and one with XXXX, both of which are current and I have never missed a payment. When I contacted XXXX XXXX I asked for the original creditor or account holder. They would not provide me with that information, only that it was XXXX XXXX University. I never attended XXXX  XXXX University, I 've never had a student loan in this amount either. I asked for the original documents and I was told they would be mailed to me. I called Convergent back a second time requesting some additional information and I was told that there were no notes in my file to send me the original documents. Convergent also told me this is from a debt in XXXX, which is far outside the Florida Statues of limitations. I have never had any other collections on my credit report regarding this account XXXX XXXX is claiming I owe. Please investigate XXXX XXXX. I have researched them myself and they are well known for fraudulent collections similar to mine. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: BBVA Compass is scamming customers. 
When a customer pays their credit card bill at the BBVA Compass website, here is what happens : The funds are IMMEDIATELY withdrawn from the customer 's checking account. 
However, it takes 5 days to post to the credit card. 

I often transfer {$5000.00} from my checking account to my credit card balance ( on the BBVA Compass website ), and this happens everytime. 

Bottom line : they TAKE my money out of checking immediately, but withhold the payment to my credit card for 5 days. This is unfair to the consumer who now can not access the money from the checking account, but still does not have their balance cleared on the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had all of my student loans consolidated in XX/XX/XXXX, but Fed Loan Serv keep reporting my loans as120 days past due. These loans were opened between XX/XX/XXXX and XX/XX/XXXX.This is adversely affecting my credit score. I respectfully ask that all loans older than 5 years be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: At XXXX XXXX on XX/XX/2017 ... We received yet another telephone call from ( XXXX ) XXXX. The caller ID listed the number as belonging to Portfolio Recovery. When the voicemail came on the caller hanged up. We immediately called the telephone number back. We spoke to a Representative that identified herself as being XXXX XXXX. I advised this Representative XXXX that earlier this date, I spoke with another Employee, namely XXXX XXXX. It was the same type caller showing the same caller ID ... ( Portfolio Recovery ... that hung-up when the voicemail answered the call at XXXX XXXX on this same date, XX/XX/2017. We have at least Three ( 3 ) calls this week from Portfolio Recovery. ( The numbers were ( XXXX ) XXXX ... @ XXXX XXXX and @ XXXX XXXX ... and ( XXXX ) XXXX @ XXXX on XX/XX/2017. ) After speaking with the last Representative XXXX, I requested to speak with a Supervisor. Minutes later a Supervisor whom identified himself and XXXX XXXX came on the call. I advised Him that I had requested earlier today that " NO MORE CALLS '' ... be made to Our number ... YET ... I received another just a few minutes ago. This is Telephone Harassment and I want this to cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I received 4 emails from Wells Fargo Bank, welcoming and thanking me for opening ( 1 ) Wells Fargo Everyday checking account, ( 2 ) Wells Fargo Way2Save savings account and ( 3 ) Platinum Debit card. I also received a thank you for registering to Wells Fargo Online. The problem is I no longer have any WFB account of any kind at the time. I previously held a {$80000.00} credit card which I had cancelled. I also previously had one of my XXXX accounts with WFB which I had since rolled-over to another bank. 

I can not get a straight answer or explanation from WFB about these emails. I am afraid that I may be a victim of identity theft or other financial fraud. 

I am attaching a couple of these emails. 

Sincerely, XXXX XXXX XXXXXXXXXXXX

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 03-05-2016 about Consumer Loan (Vehicle loan) with BANK OF HAWAII CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: We would call Bank of XXXX to make payments and they would n't take them out until a week or two after we authorized the payment to be taken out. This resulted in late payments being made. This would happen every month since XX/XX/XXXX. We paid Bank of XXXX three payments on XX/XX/XXXX and that has us current until XX/XX/XXXX. We requested XX/XX/XXXX to ship the vehicle from XXXX to XXXX under XXXX. They stated that due to the late payments they informed us that we would have to make our payments current after we submitted all the paperwork to ship our XXXX Dodge Journey. After catching up on payments they requested additional XXXX payments to allow us to ship the vehicle, we requested that in a written form and they would not agree or let us speak to the supervisor since that was who the request had to go through. Now when we call they put on hold until the phone call gets disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: My grandmother wrote me a check for XXXX, but the date was wrong. I did not notice until the bank teller told me so. Now, this is understandable. I laughed it off and went home to call my grandmother. She apologized and wrote me a new check. Now, keep in mind that she is XXXX XXXX XXXX. After driving quite a distance to pick up this new check, I arrived approximately 1 week later to the very same bank location. And the very same teller. Little did I know, my grandmother had crossed out the new check number and written the old check number. Apparently this is not okay. So, I was denied once again. A little frustrated at this point, but by no means mad. This is again, understandable. After waiting a week and driving ANOTHER quite a long distance, I pick up a third check from my XXXX year old grandmother. Did I mention this has taken up a significant amount of my time and money? Driving long distances and leaving work early, etc. I arrive at the bank once more, same location, same teller, confident that " third times a charm. '' Well it is not. This time, my poor XXXX year old grandmother 's handwriting is " illegible. '' It is to the point where I am being profiled. I was told I need to tell grandma she needs a power of attorney. My grandmother does not need a power of attorney. The best part is, I heard XXXX tellers say the amount of this check aloud. It 's clearly legible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation