milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On XX/XX/XXXX I received a letter and in was documents for me to give my place of employment, cars that I drive, and  banking information amongst other personal information telling me that I had a judgement against me I called them and told them I pulled my credit report in XX/XX/XXXX and paid ALL of my debts. The debt is said to be from XXXX yet its not on my credit report He stated that there was a cease and decesase letter in XXXX but didnt tell me when asked where it came from. He stated that he couldnt contact me to pay the debt because of the letter but i found a letter from them in XXXX saying i could pay the debt with my income tax but no mention of a judgement in that letter Now they say i have a judgement and that judgements stay on file for 20 years however i can find nothing from my hometown as they stated it originated in XXXX county and the address given i had not lived at during the time they claimed they served me They claim they couldnt get in contact with me but letters prove that its not correct He also said the letter with the XX/XX/XXXX date had to be filled out and sent back as it was from XXXX County courts on the companys behalf. I stated that and asked for validation of debt and the questions I asked he couldnt verify the debt either. He said until they investigate and that can take " some time '' I should fill out the information regarding all of my assets I said so I am supposed to hand over my assets to you without validating a debt and on top of that you are telling me I have a judgement that should be public record but i ca n't find it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (Medical) with Credit Consulting Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A XXXX office enters into an written agreement to accept the insurance payment as complete payment for his groups services. He charged me and my ex wife {$30000.00} for operation and accepted that I will receive what the insurance company pays up to this amount and anything over this amount would go to his office. He has renagged on this written agreement and sent the case for collection to Credit Consulting Services. I provided our contract with the doctor to CSC That should our payment and agreement with the doctor 's office but CSC still keep trying to collect a non existent debt from me and my ex wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have contacted XXXX and Bloomingdales on several occasions sent them polices reports identity theft reports and a notarized statement and they still telling me they can not accept that. I did not open these accounts and I do not know what else to do

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 11/22/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Credence Resources Management XXXX. XXXX XXXX XXXX MI XXXX XXXX XXXX, XXXX. {$2700.00} XXXX XXXX I disputed this with the credit beaurea as the amount of money that is listed is not owed. I cancelled my XXXX as they were grossly over charging me monthly not according to the monthly agreement. I requested proof showing how and why this was owed from XXXX but never received anything. Now it has been listed with a collection agency and is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I open an account in XX/XX/XXXX for dental work and agreed to pay XXXX a month until paid in full. XX/XX/XXXX when I paid the account in full and never used again .. now more than 4 years later I received a letter from XXXX XXXX dated XX/XX/XXXX stating the account will be closed for serious delinquency, time since delq is too recent or unknown, I was never late with a payment in the four years that I had this account and even paid in full early, When I called XXXX XXXX on XX/XX/XXXX I spoke to a woman who all she kept saying was that She will not help me if I continued to yell and get mad, I advised her I was not yelling and I was not angry yet. All she would do was transfer me to a XXXX XXXX XXXX ( that is the number he gave me as reference ). I told him that I was never late with a payment and if the account is paid in full how can I be seriously delinquent .He said to call XXXX XXXX the credit reporting agency. Again I told him you are the ones reporting to XXXX XXXX  this needs to be fixed now, he then was making Hmm sounds and did nothing for me, Since I have never paid this late and it has been more than 4 years since used. it I feel this should be taken off the 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 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was not mine as this is a business account and I am only an employee. The company has been notified by my employer as well as XXXX however they continue to report. This account was a commercial account, I was just a contact person not the responsible party. This company has reported this as a residential account despite being updated from XXXX. Numerous faxes, phone calls, and letters have been written. They have only updated the account to thw bureaus stating that this has been paid however this is not my account and must be deleted as they are reporti g it fraudulently. They are well aware. They have been explained the urgency however they refuse to remove and continue to hang up calls, my escrow has been delayed and may even be cancelled XXXX to the derogatory report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, we completed a mortgage refinance with Bank of America. The major feature of the refinance that we insisted upon was no Escrow Account for the XXXX Property Taxes or Property Insurance. We were going to make the payments directly to XXXX Real Estate Taxes and Home Owners Insurance. 
The final Mortgage Refinance Documents were signed with no Escrow Account. The XXXX Property tax that was due on XXXX XXXX, XXXX was included in the closing agreement. Per agreement going forward we will continue to pay the XXXX Taxes ourselves. 
When the Tax Bill from XXXX Department of Finance arrived, we discovered that the quarterly bill had been paid by Bank of America. We contacted Bank of America immediately so that they fix the mistake. 
We believe that Bank of America has broken the terms of the Refinance by imposing an Escrow Account and adding the interest of the Escrow to the account. The current statement dated XXXX XXXX, XXXX from Bank of America clearly shows their disregard for terms of the original refinance agreement. 
Presently, we paid in full the XXXX Real Estate Property Taxes for the period of XXXX XXXX, XXXX to XXXX XXXX, XXXX. Since Bank of America is well aware of the mistake they made, they should request a refund from XXXX Department of Finance, but instead they have chosen to break the contract and do what is most convenient for them.

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 05/23/2016 about Credit card () with U.S. BANCORP (FL).
Issue: Closing/Cancelling account

Complaint: I call the credit card line to cancel my card and they transfer my call 3 times and hang up on me at the end of XXXX minutes wait. I could hear them whispering on the background! 
Credit card company US Bank.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The original credit line of this card was XXXX they are trying to say i owe more than XXXX i dont know from where or how

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is the bane of my existence! I have been dealing with them and these issues for over 3 years! They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me, and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. XXXX is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!

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 12/22/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: While checking my credit reports I noticed Diversified Consultants has shown back upon my reports. This debt is not mines as I have relayed that to XXXX on several occasions. I WAS XXXX at the time this account was opened. I do not recognize this debt and it is not mines.This unverified debt has caused major stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Platinum Holdings Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: After repeated calls from Premium Asset Services and disrespectful remarks I settled the debt for {$800.00} upon doing so it still was not marked paid on my credit report. During this time my newborn was battling surgeries to stay alive which I told them and they were completely heartless of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Making/receiving payments, sending money

Complaint: I had a company make a withdrawal from my checking account and they had already been paid from another one of my hunington bank accounts called in to stop the process but was told I was to late and that I need to file a dispute I did I submitted all the documents contacted the company they agreed that the was and error on their behalf agreed to return the funds minus the over draft fees and my dispute included a all overdraft fees associated with this transaction I was lied to by hunington every rep I spoke to told a different story I just want my money back from XXXX XXXX XXXX transaction in the amount of XXXX plust all fees

Company response to consumer: Closed
Consumer complaint received 07-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: They want me to pay over {$100.00} a month for loans but I 'm barely making it out in the real world. I went to school for   XXXX   XXXX   but not working in my field because they say I did have enough experience so I had to take a finance job because could no longer find work as a   XXXX   XXXX   because lack experience

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed an account on my credit which was investigated by the credit bureau ( Experian ) and concluded. The dispute was concluded. The Creditor company, XXXX XXXX XXXX XXXX, concluded that I owe them for early termination of the account even though I canceled the account in less than 30 days of opening and returned their credit card processing machine to them. I contended that I do not owe them since I canceled the account on time and returned their equipment to them. They insisted that I owe them and concluded the dispute. 
However, they left a dispute comment on my Experian credit as if the dispute is still active even though it has been concluded. I want them to remove and delete the " dispute comment '' from credit since it has been concluded by them after the investigation by Experian. It is holding and preventing me and my wife from our mortgage application process. The banks and mortgage companies said they can not proceed with our mortgage application with the " active dispute comment on my credit. '' I need them to remove the dispute comment only and not remove or delete the account since they insisted that I owe them. The credit bureau ( Experian ) said that it has to be removed by the creditor company since they put it there. The XXXX XXXX XXXX refused to remove it even after I requested them to do so through Experian several times. 
I called the XXXX XXXX XXXX on XXXX/XXXX/15 and spoke the Account XXXX, XXXX XXXX, about removing the dispute comment. She agreed to remove it at start of our conversation. And she concluded with me that she will recommend to Experian to remove it. However when she requested that I pay the debt and I said that I could not, she became angry and probably do n't want to remove it again as she agreed to. It is on record that she initially agreed to remove it as they recorded our conversation. 
I have waited since XXXX/XXXX/15 when I spoke to her up till today XXXX/XXXX/15, ( I just spoke to her again ) and she has refused remove it. She referred me back the Experian to remove it. I called Experian again today and they insisted that the creditor has to remove it. Hence this complaint. The dispute comment has been on my credit since XX/XX/XXXX and has prevented me and my wife from proceeding with our mortgage application. We intended to buy and move into the home by now but we are being stalled by the dispute comment. 

PLEASE HELP ME AND MY FAMILY TO PREVAIL ON THE XXXX XXXX XXXX XXXX, FROM PUTING A HOLD ON OUR LIVES BECAUSE OF THE DISPUTE COMMENT ON MY CREDIT. 
Thanks. 
Sincerely, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Wrote to TransUnion and have proof through certified mail. I have not received the results of my disputes within the 30 days allowed.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Capital One Auto Finance repossessed a vehicle that was in my possession on or around XX/XX/XXXXin Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to Capital One beginning from date XX/XX/XXXX up until the last letter which was sent XX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of capital one auto finance on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: The firm of Pressler & Pressler has filed a levy with my bank for a debt they claim is mine. I have never received any notice of this debt or the lawsuit they apparently filed. I have received XXXX documentation. I first became aware of this debt when the levy was filed with my bank. Upon contacting Pressler & Pressler, I was told they contacted me at an address I have not lived at in many years. I was then told they have been trying to contact me at my current address for the past four years, however I have only lived at my current address a few months ago. They said they have sent many notices, but have no proof of service or anything with my signature indicating that I have received even a single letter from them. They have offered no proof that this debt is mine. Additionally, they were extremely rude when I contacted them and claimed that they have other debts they are trying to collect from me. Again, I have never been contacted by them, they offered no proof of the validity of these debts, nor any proof that they contacted me at any point in time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (IL).
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint: They financial company keep harassment me. They keep sending me texts. The financial company is on all my credit report as a bankruptcy. I was paying them for 23 months on time and they report. On my credit report. Now I have stop paying.Now they want to put it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My last XXXX banks someone has been able to steal all my money and use it to reroute my mail steal funds by overdraft bill pay and inflated utility bills also has stolen my identity to get a home loan car loan credit card line of equity and formed an LLC fleet trucking co and modify my credit reports bank statements ect. All made possible by network monitoring and hacking my network and all my devices this has also been done to my mom who died in XXXX {$25000.00} stole lawsuits filtering it through the LLC with a tax ID totaling in the millions and taxes claimed also

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