milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2017 about Credit card () with U.S. BANCORP (MA).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 07/27/2016 about Student loan (Non-federal student loan) with Stillman Law Office (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attempted to contact a loan provider in regards to a loan towards the end of XXXX. I was given a number of the bank branch to call and was not able to get in contact with them. A month after initial contact I got a letter in the mail from collections. I called and left a message and I did not receive a call back. I recently started a new job from being a XXXX to an XXXX at XXXX XXXX and XXXX. On my second week on the job XXXX XXXX from Stillman and Associates called my job and upon receiving the call I notified and requested he never call my job and gave him my cellphone. Today XXXX/XXXX/XXXX I got back from my lunch and my supervisor informed me that a XXXX called and aggressively asked for me by name after I explicitly told him not to. He then called my cellphone I believe and continued to try and bargain with my loan. When I informed him I am in a tough situation he began to say my co-signer has the assets and if I could n't pay it, he would then go to him to collect.

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 Account Services Collections, Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX cra-hippa violation inaccurate information account no knowledge of or not mine sent po number to credit company reporting inaccurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Shopping for a loan or lease

Complaint: I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section XXXX ( c ). 
It constitutes your agreement to compensate me for this predetermined sum of {$10000.00} per document. 
Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ XXXX XXXX. XXXX ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 

Sincerely, 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 11/21/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Maa impacted my credit negatively on an account that I have been trying to resolve in person and via E-mail. I did not receive the notices they claim were sent and after I tried to reach out to pay, they were not helpful and instead proceeded to end negative information to credit reporting impacting my credit score by 50 points

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.

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 08/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The highlighted Account was disputed and removed and reinserted and originally this account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Medical debt) with USCB, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received several 'robo calls ' from USCB in regards to a debt that they purchased from the XXXX XXXX Medical Foundation . 

When they call it does not connect to a live person but instead plays an automated message from someone identifying themselves as XXXX XXXX. The message is as follows. 

This message is for [ Last name ] [ First name ]. If we have reached a wrong number please call XXXX. If you are not [ Last name ] [ First name ], hang up now. If you are [ Last name ] [ First name ] continue to listen to this message, but not in the presence of others as it contains personal and private information this is XXXX XXXX from XXXX XXXX. This is made in attempt to collect a debt... 


I have received this call four times within the month. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Everything on my Credit Report is accurate except my score is not going up as it should be because I make all my instalment and revolving credit payments on time, just for example it went down XXXX points a couple of days ago for no reason. I suspect that it could possibly be some kind of identity theft involved because my score should be at least over XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: THIS WAS RESOLVED YEARS AGO WITH  XXXX  FOR {$270.00} WHICH I DO N'T KNOW WHY I OWE BECAUSE I PAID MY BILL IN FULL THEN YOUR COMPANY BROUGHT THIS ACCOUNT AND PUT A NEW DATE ON IT LIKE IT JUST HAPPEN THIS WAS OVER 9+ YEARS AGO I 'M WITH THE COMPANY THAT BROUGHT  XXXX  AND IF I OWED ANY MONEY YOU WOULD THINK THEY WOULD HAVE NOT GRANTED ME SERVICE, FOR AS I 'M CONCERNED YOUR COMPANY IS JUST OUT HERE DOING WRONG TO HARD WORKING AMERICAN AND NOT DOING YOUR JOB CORRECTLY JUST PUTTING ITEMS ON PEOPLE ACCOUNTS.   I DO N'T HAVE ANY PAPERWORK SHOWING ME HOW THIS {$270.00} BILL WAS CALCULATED SO I SUPPOSE TO JUST PAY FOR SOMETHING I DO N'T OWE, COMPANY MAKE MISTAKE ALSO LIKE  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Medical) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: After requesting the information to be sent and not to be called until i receive the documentation, i was called at my place of work and verbally insulted. i asked repeatedly for the persons name and they refused to provide it. i have asked to not be contacted again but they continue to call.

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 10/24/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: I did n't in contact with multiple people at Wells Fargo home mortgage. I have been given the runaround and been transferred to multiple different people. When I asked for payment arrangements, I was directed to XXXX. Who told me I need to submit all this paperwork from pay stubs, to tax returns, tax transcripts, etc. It appears as though I was either applying for a loan or doing a refinance, based on all the paperwork they was requiring from me and multiple people in my household. 

All I asked was for payment arrangements. That 's it, I do not understand why all those paperwork from multiple different people in the household just to get a payment arrangement. The paperwork they was asking me is so much. They want everybody 's paperwork in the household and they said I have to submit all that just to see if I could get approved. For payment arrangement only. 

When I said I rather just pay it off in full, I was directed to XXXX at Wells Fargo. She said she was looking into the extension and would be able to give me an extension for 30 days. However, I had to wait for her to call me back to see if that was okay. I had called her multiple times and have not heard back from her. I also have sent her an e-mail and she still has not replied back to me.. 

The money what I owe is due tomorrow XXXX XXXX, As of today nobody came back to me with an extension or even return my calls or emails. I am still asking for the extension. And I would appreciate if somebody would get back to me. I do not want to loose my home. I have my wife, children and the elderly person I need to worry about. They ca n't be left in the streets.

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 01/13/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Minnesota Court File No. XXXX Midland Funding LLC as successor in interest to XXXX vs XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX Case Type : Default Judgment Location : XXXX Debtor ( s ) XXXX, XXXX XXXX aka XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Creditor ( s ) Midland Funding LLC as successor in interest to XXXX Entered Date : XX/XX/XXXX Docketed : XX/XX/XXXX XXXX Orig. Amount : {$1300.00} Curr. Principal : {$1300.00} Judicial Officer : XXXX, XXXX XXXX. 
Type : Judgment Status : Active I have never been contacted by Midland Funding or the original creditor XXXX before, until I just received a garnishment summons that threatens to garnish my savings account. 

After receiving this summons, I discovered a judgement was entered for this debt XX/XX/XXXX in XXXX County, Minnesota. I never received notice that a judgement was pending in my name, nor any debt collection letters or phone calls regarding this prior to the judgement, or after, until this garnishment letter now, or I would have disputed it. It is not my debt. 

I contacted XXXX XXXX XXXX XXXX, the attorneys for Midland Funding, and was told this was a credit card debt with the original creditor being XXXX, with a principal balance of {$1300.00}, and issued under my maiden name XXXX. They are now seeking an unpaid balance of {$1900.00}. 

I have never applied for, obtained or received a credit card from XXXX. In fact, I have never even had a credit card with a limit higher than {$300.00} in my name ever. The only credit cards I have ever owned are from XXXX XXXX and XXXX. I also have not lived in the county of issuance ( XXXX County ) since XX/XX/XXXX, nor have I used my maiden name ( XXXX ) since I was married in XX/XX/XXXX XXXX my last name is XXXX ). 

Neither Midland Funding or XXXX XXXX XXXX XXXX will supply me with any further details relating to this debt for a possible identity theft investigation. In fact, they will not even supply proof that the debt belongs to me. They may have mistook my identity for another person who actually owns this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Money transfers (Domestic (US) money transfer) with CHARLES SCHWAB CORPORATION, THE (CA).
Issue: Other service issues

Complaint: Charles Schwab ( brokerage ) illegally took {$190000.00} from my bank account at the Charles Schwab Bank in XXXX, XXXX today ; I deposited a Trust check from XXXX XXXX XXXX, XXXX, XXXX for this amount on Saturday, XXXX XXXX, 2016 into the only ATM and only real Bank Schwab has. We believe they are operating a XXXX State illegal bank where " back office '' is XXXX XXXX XXXX, XXXX where Bank Statements are processed. Deposits are made by pre-addressed envelopes which go to XXXX XXXX, XXXX. 

We believe these are illegal racists acts by the " Client Advocacy Team '' which is a fraudulent name for a Unit with actions like XXXX during XXXX. 

I am an expert on Banking ; You will note " CAT '' on the withdrawl attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: After a month long ordeal of begging Ditech to pay our property taxes from our escrow account and having to prove our property was indeed the size the signed mortgage and deed says it is, Ditech told us on XXXX XXXX, 2016 when we called in the morning that our already past due taxes would be paid to our township. We received a tracking number from XXXX for an envelope that was never shipped and was made on XXXX XXXX. We called Monday, Thursday, Friday and Saturday during the week on XXXX XXXX asking when our tax payment would be sent and notified them that the taxes are past due and will be turned over to our county on XXXX XXXX with additional late fees and a lien will be placed on our home. The lien could cause a ding on our perfect credit. The taxes are still not paid and funds were removed from our escrow account to cut the checks for the payments that were never sented. We have a previous complaint for this issue with the CFPB and Ditech was sent an official notice of error. 

Ditech has been provided with tax bills and contact information for our township.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have received a Cancellation of Debt from the IRS, as for 2017, from my XXXX XXXX old debt, and I still have the balance due in my credit reports. Also, as of the Statute of Limitations on Debt, I need that all the old debts on my reports be DELETED, because as of this Statutes, they should not be in my credit records, for the Virginia State are 3 years, only to appear on credit records. 

I will very much appreciate your help, because I need to get a job and my credit report is not helping. I am not working right now.

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 12-01-2015 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I signed up with Nationwide Biweekly Administration ( NBA ) to have biweekly payments drafted from my account every month to help " minimize my interest payments '' for my mortgage loan. **This message is NOT intended to stop the CFPB. I received a very unprofessional email from the company president stating that the company was in danger of closing and pleading customers to stop the CFPB from shutting them down. I called my mortgage company to see if NBA was indeed making biweekly payments on my behalf. They were not. They were holding my biweekly payments until they received the full payment amount and then sending it to my mortgage lender. So, basically, I was paying NBA a processing fee for nothing. Since the payments were not made biweekly like the company advertised, there were no additional savings to me. More money was coming out of my account than necessary. Now, the company will not answer customer phone calls or emails. I 've tried multiple times to contact NBA to no avail. The company took a payment out of my account XX/XX/XXXX and I have no way of knowing where that money is. I need answers, but obviously can not get them from NBA.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Personal information may have been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Mortgage) with Cohn, Goldberg & Deutsch, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Did not disclose communication was an attempt to collect a debt Not enough information to verify debt i.e. amount of debt & name of creditor Did not receive notice of right to dispute assignment fraud was to the servicer assignment fraud was challenge in 2012 upon discovery they dismiss the case of fraud assignment was prepared by co-conspirator XXXX XXXX, PC, and debt collector XXXX XXXX, Na ( XXXX ) XXXX, XXXX XXXX ) without document of true fact of who the owner note, or mortgages are .lack of transparency and fraud activities

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Vehicle loan or lease (Loan) with U.S. BANCORP (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: U.S. Bank Branch XXXX XXXX XXXX XXXX 0.7 mi XXXX XXXX XXXX XXXX XXXX ) XXXX Opens at XXXX XXXX Auto loan we never received a written or e-statement from the bank. We have asked this two or three times We have filed complaints with California Consumer Affairs with the California Attorney Generals Office.

Payments have not been recorded, and we have to drive in person to pay the account without an account number. Why?

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 05-12-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX, I refinanced a loan originally held by Green Tree Servicing LLC., with XXXX. XXXX sent XXXX separate payoffs checks to Green Tree. XXXX was on XXXX XXXX and XXXX was on XXXX XXXX, XXXX. The loan was never processed by Green Tree and I continued to receive bills. I contacted Greentree on XXXX XXXX, and advised them of the issue through a three way call with a XXXX rep. The rep for Green Tree ( XXXX ) was provided the routing and bank information where the disbursement was sent to. Ironically, I settled XXXX additional loans through XXXX with Green Tree and there were no issues. XXXX indicated the funds were there but had to be verified. By XX/XX/XXXX the issue had not been resolved. I contacted Green Tree several more times and no one was willing/able to help me. I also spoke with XXXX ( manager ) who indicated the disbursement was allocated to a different loan and would have to be transferred to the loan in question. Of course, nothing was done and on XXXX XXXX, I spoke with a rep for Green Tree who was actually helpful. She indicated I had a suspended credit disbursement, but the payoff still did n't appear. She attempted to reach XXXX, but to no avail. Today, XXXX XXXX, I received XXXX identical letters from Green Tree indicating that they were looking into the issue. Technically, I have XXXX loans for XXXX home and am still being contacted by Greentree for payment. An additional concern is whether my credit will be affected. According to XXXX, the disbursement checks were cashed by Green Tree on or about XXXX XXXX. 

Green Tree is a terrible company who has poor customer sevice. They make ridiculous mistakes and do nothing to rectify the situation. At this point, I believe they are intentionally affecting this process. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX To Whom it May Concern : Experian XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Personal Loans Cos. 
XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, 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 non-monetary relief