milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am receiving harassing, threatening phone calls and phone calls of death threats from representatives from EOS CCA debt collection agency in regards to a debt owed to the original creditor : XXXX XXXX. This debt do not belong to me and is the result of identity theft. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Consumer Loan (Installment loan) with Gold Star Finance, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: I have a loan that is to be paid back in monthly installments, however I am unable to take care of it right this minute and the employee continues to come to my home on a daily basis and call me twice a day.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with ALTERRA GROUP, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been a XXXX XXXX XXXX for 10 years and have never experienced such a poor mortgage company. I was the listing XXXX for a property located at XXXX, IL. The buyers decided to us the mortgage company of XXXX XXXX XXXX a division of XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX and XXXX XXXX were the loan officers on the file. XXXX is the email that I sent to them after the closing and I believe it will explain the situation. 
XXXX & XXXX : As you probably know, the above referenced property closed today after a XXXX hour closing. You were not much help and your attitude was not much appreciated by all involved - your clients, XXXX attorneys, XXXX real estate brokers and the closer at the title company. XXXX, sorry you were not able to attend the closing as you indicated in an email a couple of days ago. Just XXXX example of the lies that we heard though this transaction. 
I found you and your company to be very unprofessional, unreliable, would not communicate, fast talking, and did not ever provide accurate information. You and your company are a horrible disgrace to our industry. 
I will also be filing a formal complaint with the CFPB - Consumer Financial Protection Bureau regarding this transaction. All included on this email, the website is XXXX if you would like to join me with your opinion. 
I will never refer a client to you and will share the story of this transaction with as many fellow brokers as I can. Again, you are a disgrace and I hope to never run across you again. 
Please let me know if you have any questions. I will also be forwarding this email to your corporate office. 

XXXX and XXXX from XXXX XXXX Loans are truly a disgrace to the mortgage industry. Again, they would not communicate, provided false information .... I would have to text, email, call time and time again to get a response from them. When I got the response, it was just BS. 
It took them 2 months past the contract close date to get the clear to close. The closing took XXXX hours since we had to sit and wait for the wire from XXXX. During the closing, the buyer attorney was hung up on by XXXX and the closing agent from the title company was also yelled at by XXXX. 

All I can say is that they are a disgrace to the mortgage industry and should not be licensed or in business if this is how they treat their clients. 

Please let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After filing complaints with all 3 credit bureaus even the original company this has yet to be resolved. XXXX XXXX is very aware that they received full payment of both accounts and continue to harass me with phone calls along with threats. They along with Speedy Cash have received the bank statement months ago and refuse to make knowledge of such. XXXX XXXX provided me a tracking number via usps of XXXX that was to include all legal documents pertaining to this. However, that tracking number shows a In transit update dated XXXX XXXX, 2017 from XXXX XXXX. I do not have any proof of this being legally collected on another company 's behalf. They also are in violation of the FTC by not providing correct and accurate information to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My current employer is not listed and my middle name is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Closing/Cancelling account

Complaint: I had an account with Citibank that was paid off in full and closed a year ago. Recently I started getting statements for an annual fee. I called and explained again that the account was closed and was told they would fix their records and not bother me again. Today I got a statement in the mail for an annnual fee, a late fee and an interest charge. When I tried calling Citibank they refused to talk to me because I did not know some kind of password ; no reason I would know it since the account has been closed for a year. This is disgraceful conduct and needs to be penalized. I am attaching a copy of my XXXX 2015 statement showing a zero balance, and a copy of the statement that arrived in the mail today. I would assume the {$95.00} " previous balance '' on the statement I received today refers to the annual fee which they told me in a previous phone call would be eliminated, of course, as the account was closed. Now they bill me again and refuse even to talk to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE SEVERAL EMAILS AND IVE SENT THESE DOCUMENTS TO EQUIFAX ON PREVIOUS AND RECENT DISPUTES ABOUT THIS MATTER ABOUT XXXX ACC # XXXX REPORTING ON MY CREDIT BUREAU I PUT THIS COMPLAINT IN AND NOW EQUIFAX IS ASKING ME FOR A SS CARD OR BIRTH CERTIFICATE IVE ALREADY PROVIDED MY SS CARD TO YOU GUYS 6 TIMES ALREADY AND THE ACCT # XXXX IS NOT MY ACCT AND IVE ASKED XXXX TO VALIDATE THE DEBT AND THEY CANT VALIDATE THE DEBT TO ME BECAUSE ITS NOT MY ACCT BUT IM BEING HELD ACCOUNTABLE FOR THE DEBT FOR ADEBT ON MY CREDIT REPORT THAT EVERYONE IS REFUSING TO REMOVE UNLESS I PROVIDE DOCUMENTATION AND IVE SPOKE WITH THE CREDITOR AND EQUIFAX SEVERAL TIMES ABOUT THIS MATTER AND NO ONE IS HELPING ME RESOLVE THE ISSUE BUT SPINNING ME AROUND IN CIRCLES. IVE ASKED SEVERAL TIMES FOR DEBT TO BE VALIDATED AND XXXX SAYS IT CANT VALIDATE THE DEBT OR SEND ME PAPERWORK BECAUSE ITS NOT MY ACCT SO WHY IS IT STILL ON MY CREDIT REPORT AND SHOWING XXXX HAS VERIFIED THAT THE DEBT IS MINE BUT WHEN I CALL ITS SOMETHING ELSE AND I FEEL ITS A VIOLATION OF MY RIGHTS AS A CONSUMER FOR ME BEING PENALIZED AS A CONSUMER FOR A DEBT THATS NOT MINE AND HAS NOT BEEN REMOVED FROM MY CREDIT REPORT. SO I HAVE NO CHOICE BUT TO FILE A LAWSUIT AGAINST XXXX AND EQUIFAX FOR VIOLATING MY RIGHTS AS A CONSUMER AND RETAIN A LAWYER IMMEDIATELY TO HANDLE THIS MATTER IN LOCAL OR FEDERAL COURT. WILL FILE LAWSUIT TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (FL).
Issue: Managing the loan or lease

Complaint: I have an auto loan with BMW Financial USA. On their website, I had the option to set up an automatic debit for payments each month. This tool also allowed me to designate an additional dollar amount that would be drafted and applied toward principal. 

While perusing my online account after the initial draft was applied to my loan, I noticed that the additional payment amount has been applied toward my next month 's installment payment and not toward the principal balance. 

I am still in the process of resolving this issue with BMW Financial USA.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Medical) with Aargon Agency, Inc. (HI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was not notified at any time of these debts that I am being charged for by XXXX XXXX XXXX XXXX on XXXX. I sent a certified letter which I had tracked to see that it was delivered to the original creditor asking to get information regarding the XXXX accounts on XXXX/XXXX/XX/XX/2015, and never got a response from them. I also filed a dispute with XXXX to have these items removed off of my credit report because I do not owe these bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/16/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting inaccurate information on my credit report. They are reporting a charge-off account from XXXX when i never had a XXXX account. By the FCRA unless they provide me supporting documentation with my wet signature they must delete the charge-off account from my credit report.Failure to do so will result in a lawsuit against both the creditor ad the credit bureau 's. I have sent documentation to my attorney also.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: navient did not work with me in efforts to gain lower repayment options that were within my ability to repay in accordance to my income. Though I explained my hardship ( head of household with one income ) navient still demanded high repayment amounts that I could not repay monthly. With navient reporting missed payments to the three credit bureaus each month my credit score has dropped and is continually dropping today dramatically ( if there were logical/realistic repayment options I could have possibly began to pay.
However, being that navient had no desire to work with me to repay debts that has acquired such high interest amounts, I decided to dispute the late payments as well as ownership of the debt to navient. navient then replied with no supporting documents verifying that I owed them nor a promise to pay as I requested them to provide me. Instead I continue to receive harassing phone calls from various numbers at all times of the day, while at work, and even late hours of the night which is unacceptable.
navient also refused to allow me to explore the option to release my parents as co-signers in efforts to provide them relief from the financial stronghold that navient has on their lives. Alongside of that deceitfulness navient created many obstacles when I did attempt to pay them or defer payments. I was charged several hundred dollars in efforts to defer loans just so that my credit score/reports would not be negatively affected.
Since the transition from XXXX XXXX to navient occurred documentation has been altered or is missing. Therefore, navient has not provided me with valid documentation confirming any true or accurate debt to them. With all described, I should be relieved of all obligations to repay navient and all records of late payments, collections or delinquencies on all three credit reports should be forgiven/removed. This should also be done in respect to my co-signers/parents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX The Complaint department Federal Reserve Bank and Mortgage fraud Complaint Dear Sir/Madam COMPLAINT AGAINST WELLS FARGO BANK WRONGFULL FORECLOSURE ON MY PROPERTY MORTGAGE ACCOUNT NUMBERS, XXXX and XXXX. 
I have intentionally refuse to back off from XXXX Criminal intended employees of Wells Fargo Bank, XXXX XXXX an executive resolution specialist and XXXX XXXX assigned to my loan modification, I will continue to stay in my house until the government steps in to investigate these wrongful act committed by Wells Fargo bank XXXX XXXX XXXX and XXXX XXXX. 
XXXX XXXX with held my documents and released false information to the modification team, intentional to delay the modification of my property loan while XXXX XXXX block my account lied to me for a run around for many months with intent to lue me into foreclosure, she constantly lied to the police and use the police to harass me frequently in my house. She then blocked my access into making payment into my mortgage account and foreclosure my property. When the information was given to me by the Re-entry team of Wells fargo bank, I confront XXXX XXXX which got her angry and she instructed for a foreclosure on my property but lied to me that the modification was successfully and XXXX XXXX has my approved documents, I called XXXX XXXX only to realize that XXXX XXXX has caged me into run around to induce foreclosure on my property, XXXX got angry when confronted with the truth. 
I have written to Wells Fargo Bank and noting has been done but harassment letters of foreclosure and date XXXX/XXXX/2016 to sale my property. I just filled a law suit against Wells Fargo Bank, to stop the sale and claimed damages with Superior court in XXXX XXXX. 
XXXX XXXX has shamelessly refuse to correct her wrongful act and Wells Fargo Bank is doing noting about it. 
Her trick in blocking my account made it difficult for the re entry team to modify my loan, XXXX and XXXX in the re entry team confirmed. 
I have been harassed, insulted, humiliated and XXXX after 14 yrs of relationship with wells Fargo bank. 
I need government intervention to stop this from escalating further, I have refused to allow this criminal behavior of XXXX XXXX and XXXX XXXX to affect my life and my XXXX children. 
A sale date of XXXX/XXXX/2016 has been mailed to me for my property but I will drop my last blood to bring wells Fargo bank, XXXX XXXX and XXXX XXXX to justice, I can be reached at XXXX XXXX XXXX. 
Please SAVE MY SOUL Thanks XXXX XXXX

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I called Trans Union Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know.

I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with XXXX and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.

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 09/16/2016 about Debt collection (Medical) with Strategic Alliances, Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have NEVER done any type of business or personal correspondence, conversation or email with First Financial Investment Fund about ANY matter AT ANY TIME and am being unfairly targeted. First Financial Investment Fund has obtained my personal information, informed XXXX third parties they were suing me but NEVER INFORMED ME OF ANYTHING AT ANY POINT. I found out I was being sued by First Financial Investment Fund via the law offices of XXXX XXXX XXXX and XXXX XXXX XXXX attorneys at law whom sent me letters offering me legal services because First Financial Investment had given them a court case number to the lawsuit they filed against me. I was never made aware of any suit or any implied debt at all by First Financial Investment Fund and their practices are fraudulent by taking legal action against me over a debt that is invalid and not owed. First Financial Investment Fund is targeting me because I am a single, XXXX female mother who receives government assistance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (SC).
Issue: Problems when you are unable to pay

Complaint: My name is XXXX XXXX XXXX telephone number XXXX or XXXX address is XXXX XXXX XXXX XXXX SC XXXX email address is XXXXXXXXXXXX XXXX 2015 I was contacted on my cell XXXX by an automated dialer from number XXXX Ally financial XXXX times with a span of 1hour on all occasions .. this is considered harassment. They are only to contact my XXXX a day between XXXX and XXXX I am requesting {$10000.00} for the XXXX offenses after the XXXX call. Total {$3000.00}. On XXXX the called my home telephone # XXXX as well by an automated dialer XXXX times as well. I am requesting {$10000.00} for the XXXX offenses after the XXXX call. Total {$3000.00} ... ... .I 'm requesting XXXX on for this date On XXXX I was contacted by an automated dialer from Ally financial from XXXX on both my cell phone XXXX and my home phone XXXX XXXX times I 'm requesting {$6000.00} total for this dateOn XXXX the contacted XXXX more on my cell phone XXXX from XXXX $ XXXX would like a total of {$14.00}, XXXX Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. ( FDCPA 15 U.S.C. 1692d ) Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Bank account or service (Other bank product/service) with BANK OF THE WEST (NC).
Issue: Making/receiving payments, sending money

Complaint: I have a loan with Bank of the West and I am frustrated because I was just informed that I would not be receiving regular statements, which was not disclosed at the time I took the loan 3 months ago. In addition, when I go to view the payments that were made online sometimes the payments show and sometimes they do n't, it 's very arbitrary. So downloading my activity is useless. Is there some remedy so that I have a way to make sure my payments are posted accurately and timely? I feel like I am in prison with a bank that is less than transparent and I do n't care for it and I am wondering if this is allowed from a regulatory perspective.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: We represent an elderly, isolated senior of limited financial means. On her behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor received this letter requesting no further communication ( as evidenced by the creditor now sending communications to our client at our address ), the creditor continues to send our client monthly statements. By continuing to communicate with our client after receiving her request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under XXXX XXXX ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you

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