milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2015 about Debt collection (I do not know) with Data Line Credit Corp (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sold a car that was later impounded from the new owner. The tow bill has been reported to my credit.Since I realize the negative item on my report I contacted XXXX XXXX and the reporting agency. I 've forward the name and address of the new owner to XXXX towing and they simply refer me to Dataline CR, the company they sold the debt to. Dataline CR does n't want to hear anything I have to say and keeps referring me to XXXX 's towing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Bank of America ( XXXX ) will not close the claim from 2012, they have also duplicated the claim which is causing me not to be able to get home owners insurance anywhere else at an affordable price. I have spoke to numerous of agents with XXXX and told that it has been taken care of and when I try to get insurance from another carrier the claim information from 2012 is still showing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Trouble during payment process

Complaint: i am excemted on paying property taxes in my county. due to the terms of my mortgage my mortgage payments were going to jump from XXXX a month to over 3000.00 a month. i am on a fixed income. i can not afford that amount. i applied for a loan modification which was granted shortly after my application was submitted with all necessary documents such as verification of income proof of residency and verification/confirmation that i do not in fact pay for property taxes. my hoemowner insurance is XXXX a year which should come to be XXXX dlls a month. when given the terms of the modification i was given a breakdown of the payment which is as follows. trial modification amount of XXXX principal & interest of XXXX escrow ( taxes and insurance ) XXXX i should only be paying XXXX a month for my escrow. when i called the lender to discuss the matterthey resuse to correct the problem and adjust the escrow to what it should be. i sent them the documents confirming i do not pay for property taxes numerous times and they never seem to have the document in file. i need authority to help me have the lender re analize the documents and pressure them to adjust my mortgage payment. they are wanting and trying to steal from me. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other transaction issues

Complaint: My bank account was grossly mishandle. I called customer service at Bank of America to ask for a loan for my hearing aid. The representative over the phone told me about a XXXX LOAN. I trusted what they told me and I thought that I was getting an interest free loan for {$5000.00} which could be paid off monthly over the course of a year which would be deposited to my checking account. Instead a CASH ADVANCE was deposited to my checking account and then withdrawn without my knowledge resulting in an OVERDRAFT PROTECTION and OVER DRAFT FEE on top of all of this. THIS IS NOT WHAT I WANTED. I ended up returning the XXXX and the {$5000.00} was returned to Bank of America from the merchant but I am still suffering interest debt and emotional and financial distress as a result of this mishap.

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 03-02-2018 about Mortgage (VA mortgage) with Home Point Financial Corporation (AR).
Issue: Trouble during payment process

Complaint: This email was sent to Home Point Financial and explains my complaint : After trying to call you on multiple occasions and being disconnected after 30 minutes of wait, I finally reached a voicemail and left a message about a letter you sent me that said I missed a payment, I have never heard back from you and it has been several days. I have never missed a payment on my mortgage and since you bought my loan nine months ago all of my electronic payments to you through XXXX XXXX have gone through. The last payment was credited to you on XX/XX/XXXX and I am about to send another payment for XX/XX/XXXX but I need to hear from you so that you can figure out why I was sent such a letter. If I dont hear back from you today I will be making a complaint to the CFPB about your practice of collecting my funds on time while trying to get me to pay an additional payment and late fees on a bill that has already been payed according to XXXX XXXX. Nothing has changed in the way I pay your bill electronically through XXXX online banking and you havent sent me anything that would indicate a change on your part. 

It is sad that you can not be reached by phone or through the internet as both where tried on your established phone numbers and website. You should be ashamed of your business practice of being unavailable after you send out erroneous late letters in order to prompt additional payments and fees on mortgage payments that are not late. I would contact the XXXX but I see you are not a part of that organization for obvious reasons. I hope I hear back from you quickly before I start contacting the state and federal resources that will answer the phone and assist me in getting you to respond about you erroneous late payment letters to home owners that require them to make another payment with erroneous late fees. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was never informed of the existence of this account. The original debt is not in my name. I never authorized this. It was a medical bill for my daughter. My wife is the insurance carrier. I never agreed to any payment and I never was aware of this at all. Somehow this collections account ended up on my credit report. It has since been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had a promotion with Sears master card that would expired in XX/XX/XXXX. 
My balance was {$500.00}. 2 months before the promotion expired, I made a full balance payment in XX/XX/XXXX. In the same month I started another promotion thinking my balance was paid off. 

Sears instead taking my payment and applying towards my balance, took my my full balance payment and apply towards the promotion i just started, therefore it seemed like a still had a balance from my previous promotion. 

In NXX/XX/XXXX sears applied {$610.00} in interest charges and refuses to solve this problem. 
Sears was deceiving towards the end of my promotion and it is trying to make money praying on misinformed customers.

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 07-08-2015 about Debt collection (I do not know) with AmeriCollect (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently reviewed my credit reports and discovered that there are XXXX ( XXXX ) accounts in collection on my credit report from a company named AMERICOLLECTS Inc. of XXXX, Wi. Looking further at these XXXX items they are collecting for their client XXXX XXXX XXXX. Neither myself nor my wife XXXX XXXX have used the services of this XXXX XXXX. I am not a guarantor for any bills except my wifes. All of my XXXX children are adults and I am not responsible for their bills either. 
I have received no correspondence of any type from either XXXX XXXX XXXX or AMERICOLLECTS Inc. They just decided to report my name to the XXXX credit bureaus.

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 non-monetary relief
Consumer complaint received 04/21/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I received a letter dated XX/XX/XXXX from Synchrony Bank regarding my Care Credit claim. The letter stated my account would be credited for the amount of the award I received from the claim in accordance with the terms of the CFPB agreement. I received a statement on XX/XX/XXXX that my account was credited {$300.00}. When the claim was initially filed against Care Credit, I was told by Care Credit that the disputed amount on my account was {$390.00}, not {$300.00}. When I contacted Synchrony Bank on XX/XX/XXXX to inquire why the amount was different from what I was originally told, I was informed that the amount had been pro rated. I asked for an explanation on the procedure used to pro rate the award and was told that they could not provide me an explanation because the amount had been determined by CFPB. I informed Synchrony Bank that I wanted to dispute the amount until I was provided with an explanation of the difference and was informed I could not dispute the amount. I asked for a phone number for CFPB which they provided. I contacted CFPB but the representative was not able to explain why my account had been credited a different amount from what I was originally told by Care Credit. On XX/XX/XXXX, I made an online payment to my Care Credit account in the amount of {$5200.00}. When I received my statement, I had only been credited {$4900.00}, a difference of {$390.00}. I contacted Care Credit to inquire about the difference and was informed that the {$390.00} was the amount of finance charges in dispute related the the complaint filed with CFPB. Since XX/XX/XXXX, that amount has remained unchanged and I have received monthly statements from Care Credit indicating my balance was {$390.00}. Since Care Credit determined the amount of my account that was in dispute, I am requesting an answer from the company about the difference. My account now shows I owe a balance of {$89.00} after the {$300.00} credit was applied ( {$290.00} finance charge refund on XX/XX/XXXX and {$13.00} finance charge refund on XX/XX/XXXX ). I feel I should have been credited {$390.00} as I was originally informed this was the amount of finance charges in dispute and the company did not explain why I was credited a lesser amount.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Berlin-Wheeler, Inc. (Kansas) (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The offices of Berlin-Wheeler ( XXXX XXXX, XXXX, KS XXXX XXXX ) have been harassing me about a debt from a cable company ( XXXX XXXX ) that I last paid on in XXXX XXXX. Pursuant to Kansas law 60-511, the statute of limitations expired in XXXX 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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (VA).
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: Ocwen Loan Servicing is reporting on my credit report a late payment in  XXXX  of 2016 and failed to fix the problem I attached a letter from Ocwen verifying and confirming the error but they still failed to address error

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Letter sent to me pertaining to my DEAD husband 's account. My husband died on XX/XX/XXXX ( almost 25 yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider 25 yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ideal Collection Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: An apartment complex has submitted communication to a collection agency that i vacated the rental property without notice and they also are looking to collect damages. I vacated the property in XX/XX/XXXX with an inspection report and a " ok '' from management. XX/XX/XXXX it hits my inspection report and I realize the debt as I was trying to finance a car. Does 5 years break the statue of limitations even if the charges were legitimate?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am requesting for a removal of old addresses on my and unknown addresses that appear on my credit report. I am a victim of Identity theft. My SS Number was comprised around XXXX. I am unaware of these following inquiries the are not authorized. XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX companies above never had permisson to run my credit report. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Bank Of America Had Given Me Inquiries Reported To XXXX That Were Not Authorized By Me. On The Following Dates -- -- > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 01-06-2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (NV).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They called my cell phone XXXX XX/XX/2016, looking for someone else. I pay per minute. I had to call them back, muddle through a computerized recording, and ask them to stop calling because it is a work phone. They promised to stop calling but did not. I received another call XX/XX/2016.

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 10/18/2017 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (MD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have asked XXXX to stop calling me from a local phone number. They insisted that it is not them. I have voice messages from them linked to the number. When I call the number it is an actual person 's phone number and she has had the phone number for over 10 years. My payment isnt due until XXXX, and they have been harrassing me all week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: My mother purchased a car back in  XXXX  for a   XXXX   XXXX  . Her interest rate is 9.94 % for 75 months with payments at  XXXX . She made her payments and in  XXXX  she made a lump sum payment of {$18000.00} dollars and you would think that would have lowered her monthly payments, but no,  XXXX  says that they have to be told to apply the payment so that they could lower the payment. We tried to get them to lower the payment and they say she has to pay {$2000.00} in order for them to do that. The term of her loan is ending and she still owes {$8000.00}. Talking with their customer service department, they have been charging her a daily charge of  XXXX  that is not stated in her contract. I have copies of the contract and her payment history that is attached. Customer Service Reps/Managers have not returned my calls/messages.

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 08/23/2016 about Debt collection (Mortgage) with Cohn, Goldberg & Deutsch, LLC (MD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: communication tactics Seized or attempted to seize property Used obscene, profane or other abusive language continue to advertise property as foreclosure after debtor seek relief In the days following bankruptcy filling. the debt collector XXXX XXXX, XXXX law firm Cohn Goldberg Deutsch may have approved the use of violence or even orchestrated it .from evidence and actions and the pride inspired by this third party .the debt collector only way was to play on the old fear, bulling and treacherous. 
inflict XXXX to collect a debt, that include the third party inflicting physical injury orchestrated by Cohn Goldberg m and Deutsch and XXXX XXXX, XXXX these debt collector moral compass is off course. they seem to have take the position that they are above the law. 
Portraying their actions as perfectly permissible. TO COLLECT A DEBT. The debt collectors XXXX XXXX, XXXX COHN AND GOLDBERG, Deutsch, XXXX XXXX XXXX XXXXl XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Kohls company will call XXXX times a day, will not leave a message, and is at all hours of the day. I set up a payment to be automatically taken from my account on a specific day. That day I looked in my account and saw it was pending. Kohls company called me XXXX times even though I had made the payment. They need a better system.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed a hard inquiry from a XXXX XXXX XXXX XXXX on XX/XX/XXXX I disputed with Equifax on XX/XX/XXXX received response on XX/XX/XXXX from Equifax stating Inquires are factual. I am asking for signed proof for this inquiry as it is damaging my credit applying for home loan and have not received such document. I feel as if Equifax is not asking for documentation from said company proving this inquiry is in fact legitimate and from me. I have contacted XXXX XXXX but no response to having any documentation to back up inquiry. 
Please assist in correcting this problem. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NM).
Issue: Loan servicing, payments, escrow account

Complaint: Wells fargo has decided to pay my flood insurance through my escro account, approx {$550.00}, for the last two years to an independent insurer I hired and negotiate with. Prior to that i pay the insurer who pays Wells Fargo. they also upped my mortgage payment by {$75.00}. Raising property taxes is very little and flood insurance do n't match the increase. Going through XXXX WF said they had no paper work regarding flood ins other than last two years. ( did the XXXX erase ). Prior to that they listed excuses detailing why i could n't independently pay for it, all totally bogus of course. I can prove Ive been paying an insurer for years and Wf claimed in XXXX reference they had always paid it my response was then you owe me over payment money. Have n't had an escrow balance sheet in a long time. The new payment disrupted my other payments. XXXX recommended you saying that they do n't have authority to do much. They never talked to me about this insurance or my escrow.

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 07/14/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (IN).
Issue: Account opening, closing, or management

Complaint: Citi credit card closed XXXX of my accounts for " excessive '' adding and deleting of users on my account. I am in right standing with the company and I have a credit score of XXXX. I did break any rules or laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (I do not know) with Flurish Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I believe someone tried getting a loan under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: I received a prepaid American express serve that I did not purchase or apply for. whomever did had all of my personal information. when I contacted amex serve they seemed to be protecting the criminal and were not helpful at all. I requested account closed immediately.

Company response to consumer: Closed with explanation