milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-04-2016 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX/XX/XX/XXXX, Square Two Financial ( now CACH , LLC ) purchased a debt, which they somehow matched on my name, and in spite of more than a dozen attempts to have them resolve the bad data, they not only continue to report this on my credit, but are now fabricating fictitious dates of service to circumvent fair credit reporting laws. 
The company, in spite of multiple certified letters, numerous phone conversations, and the filing of a police report for identity theft, continues to fabricate false date information, change account numbers, and repost the fake debt on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX phone says I have a debt from XX/XX/XXXX, I was notified through XXXX XXXX that a company on XX/XX/XXXX that a company called XXXX XXXX bought from XXXX in XX/XX/XXXX. I have never in 6 plus years receive anything from either company of any debt owed. I have called XXXX and XXXX  and no help.

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 01-10-2018 about Vehicle loan or lease (Lease) with World Omni Financial Corp. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/2017, the State of Florida was declared a disaster zone, FEMA-4337-DR ( please see attachment ). After Hurricane Irma hit Florida, I contacted XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and asked for aid concerning the car payments. I was informed that aid was available but that the guidelines were not yet clear from corporate. I was instructed not to make payments and that the they will waive the fees and that my credit will not be affected. In XX/XX/XXXX I informed them that I would make one months payment and during the months of XX/XX/XXXX and XX/XX/XXXX I would pay all that was due. They agreed and this is exactly what I did, ( please see attached credit report ). During the month of XX/XX/XXXX while reviewing my credit report ( please see attachment ), I noticed that they reported late payments so I called customer service. After a long back and forth, they stated that they will not remove the negative information. I explained that I have never been late as the record proves and that the reason for all this was because of a natural disaster that 's out of my control. Even this reasoning would not help and they stated that they will not remove any negative information. My biggest problem is that this company supposedly extend aid during a drastic time but then hurts you by damaging your credit score.  This ill action by World Omni has even affected my employment since its credit score sensitive.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have notified all 3 credit bureaus that they are reporting incorrect personal information about me and it is very confusing to creditors. The following information is to be reported and nothing else. I need all 3 credit bureaus to remove all other names and addresses immediately. The following information is the correct information to be listed.
1. XXXX XXXX XXXX. There are to be no other names nor spellings. No alias should be listed.
2. XXXX XXXX XXXX.
XXXX XXXX, CO XXXX No other addresses should be listed as i reside at this address and have for a number of years.
3. Year of birth. XX/XX/XXXX4. Phone number is private. Remove all numbers listed.
5. Employer should be listed as XXXX XXXX as an XXXX XXXX.
All this information should be listed on all 3 credit bureau reports just as i have supplied. This shows creditors solid, cohesiveness on my credit reports.
I have asked for this to be reported correctly and the bureaus ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This Agency claims they investigated my dispute but yet they continue to report inaccurate balance on my report.I have contacted them on a number of occasions but they wont respond at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: My husband and his previous deceased wife have a collection on his credit report from XX/XX/XXXX. I called the collection company 'Outsource ' to get information on his report. They now have that collection debt on my credit report! I called the company about my credit report and that the debt is not mine - this occurred in XX/XX/XXXX and I married my husband in XX/XX/XXXX. They did agree and stated that they would remove it from my credit report. This was on XXXX/XXXX/XXXX. They informed me to " check my credit the next week and it would be removed. '' I again checked my credit report on XXXX/XXXX/XXXX and it was not removed. Again I called the collection company 'Outsource ' and again the manager agreed that it should be removed and they would have it removed as soon as possible. I did question their process because they stated they had given information for it to be removed from my credit report previously, but it had not been removed. Checking my credit report today - I am showing that the collection is still on my report and has not been removed and I am showing that XXXX/XXXX/XXXX was the date it was reported. ( I am assuming this was the updated date of any information from the company ). If they are reporting ANY information in a timely manner, would it not be removed by now? This has greatly impacted my score - it has dropped XXXX-XXXX+ points! Will this be corrected? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Non-federal student loan) with Kramer & Frank, P.C. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I send my payment on time every month for 18 months and I have never received a statement or anything from them. I have no way of knowing if my payments are even being applied against my huge {$50000.00} balance. When I call them they say they do n't know the balance or payment information and they will have to contact the credit bureau for my balance. What are they doing with my payments? Why ca n't I access my account online to view my payments and statement information. They have never sent me anything and know nothing when I call. This seems very fraudulent to me.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Have been in contact with all the 3 bureaus for over an year now to get accounts that do do n't belong to me removed with no success the only bureau that refuse to remove/update information is XXXX. The account that are not mine and are included in ID Theft Report # : XXXX which I have submitted a copy of Affavaidat and police report to XXXX and they still have failed to properly investigate and remove these accounts : XXXX XXXX XXXX ( 2 accounts ) # : XXXX, XXXX ; Illinois XXXX XXXX # : XXXX, XXXX XXXX # XXXX XXXX, and XXXX XXXX and XXXX XXXX XXXX this account is reported two times invalidly.

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 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I WAS CHARGED FOR THINGS I DID NOT AUTHORIZE ON MY ACCOUNT. WHEN I RECIEVED MY STATEMENTS BACK WHEN THIS HAPPEN I CONTACTED VISA BANK OF AMERICA AND LET THEM KNOW THAT THESE WERE FRAUD CHARGES. THEY TOLD ME I WAS TOO OLD TO REMEMBER AND I PROBABLY DID MAKE THESE TRANSACTIONS. I TOLD THEM I DID NOT AND TO PLEASE STOP BEING SO MEAN TO ME. THEY CONTINUED TO SPEAK TO ME SO MEAN. I ENDED UP HAVING TO PAY FOR ALL THESE CHARGES AND THEN THEY CLOSED MY ACCOUNT WITH THEM. I WILL LIST THE CHARGES ; XXXX/XXXX/XXXX XXXX XXXX CARD ENDING XXXX XXXX/XXXX/XXXX TIME SHARE BY OWNER- XXXX CARD ENDING XXXX XXXX/XXXX/XXXX TIMESHARE BY OWNER- XXXX CARD ENDING XXXX RESORTS FOR HEROS- XXXX NOT SURE OF THE DATE I DONT REMEMBER PLEASE HELP ME TO GET MY MONEY BACK THAT WAS STOLEN FROM ME. IM A ELDERLY MAN AND THEY TOOK ADVANTAGE OF ME FOR THAT REASON TELLING ME I FORGOT AND I DID NOT. I KNOW WHO I MAKE CHARGES WITH AND I DID NOT AUTHORIZE ANY OF THESE CHARGES.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a account XXXX XXXX XXXX is showing on Transunion and XXXX  credit reports the account was investigated and deleted off XXXX  and I have disputed with Transunion and XXXX  via letters and fax in the guidlines of my rights in section 611 and 609 of FCRA to challenge their right to report the two bureaus to follow suit and delete account off of remaining credit reports to no avail.

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 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Alco Collections, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Also collections refuses to stop reporting to XXXX even though account was discharged I never bankruptcy

Company response to consumer: Closed
Consumer complaint received 07/27/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: This is a new complaint. In the after math of successfully completing a mortgage modification from bank of america stemming from the XXXX 2014 settlement with the Department of Justice, boa voluntarily withdrew the suit filed against me. 
My mortgage statements show or state that I owe a total of {$370.00} in litigation and or litigation management fees. I sent my attorney the mortgage statements that showed this information. My attorney has contacted the law firm, listed on the former suit, a few times asking for proof that these fees can be charged to me and as of this writing no response has been given. 
All the information in the transaction activity of my mortgage statement is concerning to me. I see and understand the transactions concerning the modification but I do n't understand the following fees even though they show that they are paid ( I 'm guessing from the modification terms ) - they are : unapplied funds reversal XXXX ( which I assume went to pay for these successive itemized charges ) Attorney/Trustee fee XXXX '' '' XXXX '' '' XXXX '' '' XXXX separate entries for property inspections at {$15.00} each = XXXXTitle Fee XXXX '' '' XXXXCourt Filing Fee XXXXMailing Fee XXXXRecording Fee XXXXLitigation Management Fee XXXX '' '' XXXX '' '' XXXX '' '' XXXX '' '' XXXXProcess Server XXXXWaive/Adj LateChg XXXX '' '' XXXXUnapplied Funds Posted XXXXUnapplied Funds Reversal -XXXXPayment Posted XXXXI don '' t understand how my account can be charged for any monies/charges stemming from the suit boa filed. boa voluntarily withdrew the suit therefore the court did not state which party was liable for legal fees and for which fees or the total amount the party would be responsible for paying. My attorney and I can not find any wording in the modification that states these fees can be charged and or acceptable fees I have to pay. 
If the XXXX unapplied funds reversal went to pay for above stated paid fees from monies forgiven in the modification then I believe that money should either go toward the mortgage principle amount or returned to the settlement pool from which it came from. 
bank of america 's legal fees should not be paid by me or the mortgage modification forgiveness monies. If they believe they should be reimbursed for any legal fees they should have not withdrawn their suit or file a suit to decide who is responsible for those fees. 
This last bit is more for preemptive measures versus an additional complaint. I am reading many complaints from successful mortgage modification homeowners that two to six months into the permanent mort. mod that boa is claiming missing documents from these homeowners and voiding the mot. mods. I feel this is very worthy of applicable agencies investigation ( s ). I will certainly file various complaints if this does occur with my permanent modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-11-2015 about Debt collection (I do not know) with Progressive Financial Services, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: THEY CALL MY CELL PHONE FOR MY EX HUSBAND A MINIMUM OF XXXX TIMES A DAY STARTING AT XXXX. THEY FILL UP MY VOICEMAIL WITH RECORDED MESSAGE. THIS IS NOT MY DEBT THIS IS NOT MY HUSBANDS PHONE NUMBER IT IS MY WORK CELL PHONE. I DO N'T KNOW HOW THEY GOT IT! I HAVE TOLD THEM TO STOP THEY HAVE THE WRONG NUMBER YET THEY CONTINUE EVER DAY TO CALL OVER AND OVER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I understand that I have been reported to a collection agency for unpaid toll fines. I want to pay or settle the account. I 'm asking for the additional fees to be removed and that I am charged only for the original fee associated with the toll violation. I 've tried to call the collection agency but the hold times are in excess of 45minutes only to speak to someone that will not help resolve the balance. I do n't know how to move forward. Registration holds have been placed on my vehicles and this will only beget more fees. Can the bureau help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion Consumer Solutions XXXX. XXXX XXXX, PA XXXX ATTN : LEGAL DEPT. 
I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as :. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT.. BAL : {$260.00} This ACCT. was charged off.

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 08/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Account has been duplicated. It should be XXXX account to XXXX not XXXX accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage payment went up {$88.00} last year. This year it has gone up an additional {$430.00}. I ca n't understand how I 'm expected to pay {$1400.00} a month, when we bought our home knowing our payment was {$910.00} a month. I have read the explanation on nationstars ' website about the escrow amount going up. Still I can not fathom paying an additional {$430.00} a month. With the company making this change, our best bet to survive as a family will probably have to be to sell our home as we will not be able to make the payment of a nearly 50 % increase on our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm receiving repeat hang up phone calls from Midland Credit ( XXXX ). I do not have any collections and I 'm concerned that this is a phishing call when I called them back they wanted personal information that I would not give. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A collection agency is making false reports to XXXX andXXXX claiming that I have not paid a bill. Enhanced Recovery Corp ( XXXX ) claims that I owe XXXX XXXX {$110.00}. 
I have never had an account with XXXX XXXX. I contacted them and they have no record of me being a customer. 
Enhanced Recovery Corp. has never sent me a bill. They contacted me by phone on XXXX/XXXX/2015 and I told them I had no knowledge of this bill. They reported me to the collection agencieson XXXX/XXXX/2015.

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 12-05-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Credit decision / Underwriting

Complaint: NationStar Mortgage Co who is the servicer of my mortgage owned by XXXX XXXX made unauthorized Hard Credit Inquires into both XXXX and XXXX credit bureaus. This occurred on XXXX when having a general conversation with an individual at NationStar about possibly refinancing my current mortgage. Not only did he access my credit report, but also accessed my wife 's. The detail of our conversation was completely recorded and I was adamant about not accessing credit info and did not provide SSN or any other info authorizing the pulling of credit detail. I have provided a detail faxed containing all of the pertinent info and talked to many different individuals at NationStar. The various individuals that I 've talked to at NationStar listen and promise to call me back, but never do. I am very concerned because both mine and my wife 's credit scores were lowered 5-7 points and this will remain for 2 years on the respective reports. My requests was to remove these Hard Inquires from the respective credit bureaus for both my wife and I. 
information and

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (WI).
Issue: Wrong amount charged or received

Complaint: Account is n't always updated on time so I lose money and sometimes in the negative. Also sometimes transactions do n't go through right away

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 12-07-2015 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: Local branch manager has not responded to my request on XXXX XXXX to remove all auto drafts from my Wells Fargo accounts to other linked Wells Fargo accounts. The auto drafts continue to automatically attempt to transfer and create overdrawn accounts and excess insufficient funds and fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief