milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2015 about Debt collection (Medical) with RSI Enterprises, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: RSI Enterprises has not reported a payment I made in XXXX of 2014 to the credit agencies and this has affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I was notified by XXXX of a credit collection claim that had been filed against me by Receivable Performance Management ( RPM ) and spoke to a customer service representative. Prior to this point I had not received notice of any type from RPM, or from the company the alleged debt was owed, XXXX XXXX. As I informed the customer service representative, I am a current customer of XXXX XXXX and my account is in good standing. 


After requesting some basic contact information about me the representative informed me that the claim related to a " XXXX XXXX '' for service provided at XXXX XXXX XXXX, XXXX XXXX, XXXX, AL. The service for which the collection was based upon ran from XX/XX/XXXX to XX/XX/XXXX. 

I informed the customer service representative that I had, in fact, resided at the aforementioned address, but that my lease ended and I relocated in XXXX XXXX, prior to the period in question. Additionally, my name is XXXX XXXX, not " XXXX XXXX. '' The representative advised me that they would mark the account as disputed and dispatch a packet to my attention with paperwork to fill out to dispute the claim. 


As of this date, XX/XX/XXXX, I have not yet received any correspondence from RPM. 

I was told by the representative of RPM that the collections claim was filed using my social security number, however, a subsequent call to XXXX XXXX 's fraud department indicated that not to be the case. XXXX XXXX confirmed that I have no claims against my account, nor have I in the past. I am a current customer of their service in good standing. XXXX XXXX further told me that this sounded like an instance of " skip tracing, '' which prior to that date I had not heard of. 

Subsequently I put a 90 day hold on my credit reports and requested a full version of my Equifax report, which revealed the details of the errant claim that was made against me. 

My credit scores dropped over 30 points due to this collection claim, but have since rebounded as it was apparently removed. As I never heard anything from RPM I am concerned as to : 1 ) how/why my credit was incorrectly penalized, and 2 ) whether this erroneous claim has been fully expunged.

I am filing this complaint to notify the CFPB of the skip tracing tactic that was applied to this account, erroneously leading to a collection effort against me, simply because I shared a common name with a person who resided at an address that I left years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We took out a loan with Wells Fargo about 10 years ago. This loan was an interest only loan for a duration of ten years ; then the interest can change after 10 years. Early in the mortgage we realized that this was not in our best interest and it was the bank that acted as a predatory lender. My wife and I were quite capable of paying our mortgage. We have never missed a payment and always paid on time. We have asked Wells Fargo on many occasions to give us the opportunity to refinance our mortgage. Each time we were declined. Our first attempt for seeking refinancing by Wells Fargo was done with the assistance of Neighborhood Assistance Corporation of America ( NACA ) and we were declined. We were declined many other times through out the 10 years. We have paid out to Wells Fargo over {$400.00} dollars with little or no principle.
We finally got the opportunity to refinance with a different bank at a 4 % rate last year ( 2016 ). At the end of 10 years we are starting with the same amount on our mortgage as day one ten years ago. Wells Fargo should have the decency to refund us back a portion of that 400,00 dollars. With my new bank today, I pay interest plus principle plus an extra XXXX  for principle only to pay off my mortgage in 15 years. Be careful with Wells Fargo!!!!

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 Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Trouble during payment process

Complaint: XX/XX/2018 marks the anniversary of the successful completion of my loan modification with Nationstar aka Mr. Cooper. Part of the completion of the loan modification the on going late fees should have been removed and or not charged. They claim I owe {$740.00} in late fees however I disagree.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (I do not know) with ROC Asset Solutions, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received calls from the firm ROC and API Recovery Solutions claiming to be process servers coming to serve me papers and if I pay them they will stop the law suit. They have called my family and said I am a criminal in a case and they need to get a hold of me. They have claimed to be a " pre-legal '' firm, and then claimed to be a debt collection firm. They give me false names for employees then when I say I spoke to someone by that name they say I am a liar. They route their phone numbers through local numbers to ensure I pick up. They call me a criminal and scammer. They are harassing me, and when I tell them to stop they say 'no '. They are causing me distress and will not leave me alone. 
http : //apirecoverysolutions.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: I hired a service provider to develop a website for me and this never occurred. I then contacted the XXXX credit card company 's ( I paid the bill using XXXX credit cards ) and told them about the situation. Both credit card companies opened up disputes and XXXX credit card company XXXX citibank XXXX after 90 days said that they could no longer offer me assistance because it was past their time frame. The other company XXXX XXXX XXXX said that no billing error has occurred and that the merchant has shown that all billing information matches my information and that I was working with the merchant for website development. Obviously this is the case, since I hired them and gave them my credit card information. I gave XXXX credit card companies ( Citi Bank and XXXX XXXX all of the information that I could. CitiBank is trying to hold me accountable for almost {$2500.00} and XXXX for almost {$1500.00} I called the merchant and they too, are unwilling to help me with the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (I do not know) with AR Resources, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving intimidating collection notices after I filed a cease and desist letter by certified mail. In where they threaten to reopen some old resolved debts as a negative mark on all XXXX credit bureaus. These were old debts that I settled with the original companies as product of identity theft many years ago. these debts are old so they know they because of the age of the debt can not hold legal action against me, so instead I receive these letters and harrasing calls. After I submitted a cease and desist letter they have responded threatening to reopen on my credit report as unpaid and undisputed when it was settled long ago. Actually I received XXXX additional letters after cease amd desist letter as to some unknown debts that are also noted as old debts which are not mine. Here is a copy of the cease and desist letter that was mailed as certified mail and a response sheet was sent back. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Midland Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Re : XXXX Dear Debt Collector : I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. This account is closed and settled. It was You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the XXXX Attorney General 's office. Civil and criminal claims will be pursued. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: A rep from Navient called me to discuss a loan that I had with XXXX XXXX in 2007. I asked the rep could she supply me with additional information, because all of my student loans should be consolidated. She proceeds to tell me that my mom has the information and if I wanted it ask her. I told the rep my mom is not sure of what she is talking about either. Then she gets defensive and starts talking over, repeatedly asking if I 'm going to pay my debt. Then she tells me I 'm unprofessional because I want information on a loan that I suppose have through them. I told the rep this loan is over 10 years old and I need more information so I could better understand the situation and work toward a resolution. I also asked when was the first payment made on the loan and how is just now coming to my attention. The rep would not answer any of my question she started yelling at me telling, I know what the loan is and I better pay it. After her yelling she then ends the call, while I 'm asking to speak with her supervisor. I called back several times on have her hang up on me multiple time and threaten me with harassment because I was calling her wanting information on a loan. The rep was very unprofessional, she was also loud and disrespectful. I still have no answer about the loan in question.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: For the past two years, I 've been trying to resolve a payment issue with Green Tree Servicing LLC. Green Tree continues to state that I 'm past due when I made good faith attempts to research the payment in question and made payment arrangements. Green Tree does not acknowledge the fact that payments were received and credited as a result of the payment arrangement. In addition, I was advised to send a specific amount that was past due. A certified letter was sent XXXX XXXX, 2014 and the past due amount of {$840.00} was sent to bring the account to a current status. I thought it was resolved and current based on the information provided only to receive additional letters stating that the account is past due. How is that accurate when a bank representative sent a letter with the amount that was due? I do not want to be held responsible for a banking error or mistake. Green Tree should acknowledge it, be responsible and held accountable. Also, Green Tree felt it was necessary to refer to all the correspondence sent between the XXXX of us and re-read them as they continue to stand by their responses. I noticed that I had a copy of another Customer 's letter in my packet. I have the customer 's name, address, phone, account number, email addresses, and nature of their inquiry. I think this is a private and sensitive matter. The careless act of including another customer 's correspondence is a serious matter that requires immediate attention as I continue to question Green Tree 's data integrity and commitment to quality service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: My name is XXXX XXXX. I ca n't acces my rush card account. They 've been giving me the run around for almost a week. Ima single mother of a XXXX old son and XXXX year old brother. I 've been with rush card since 2008. This is my second issue with this company. I have been without food for 6 days and I had to go to a food bank. I 'm late on my car note and just lost my job. I 'm a full time student. I cried because I felt like I shout have put myself in this situation, when all I 'm trying to do is support my boys.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Struggling to pay mortgage

Complaint: My husband and I were behind on our bills as well as our mortgage. From the XXXX of our mothers, father and my husband a XXXX XXXX a year after filing bankruptcy back in XXXX. Our mortgage keep going up because had an adjustable rate never giving us a chance to catch up. So we applied for a modification early part of XXXX. There was info they needed from us to start the modification process. So each time I would fax something they would say they did not receive it. So I started faxing by way of XXXX to insure that I would get a confirmation stating that documents were received. According HSBC mortgage services they finally started reviewing the application. Meanwhile I 'm inquiring about our mortgage payment because we had not been making them, the representative says to me no you do n't make a payment while you are waiting for the modification department to approve or deny your application. Well we went to bankruptcy court XX/XX/XXXX to discuss the mortgage as well as potential increase in our bankruptcy payments, this occurred 3 other times with a HSBC representative being present. On XX/XX/XXXX, the representative from HSBC approved the modification as well as the judge. We received a letter XX/XX/XXXX stating what our new payment would be and date it would began XX/XX/XXXX and also modification actually started on XX/XX/XXXX. We did not wait, we made a payment in XXXX and XXXX. A couple of weeks after making the XXXX payment we received a letter stating there was a breach so they needed XXXX by XX/XX/XXXX or they will be foreclosing on the property. My husband called them and asked why did n't the XXXX go to rear of the loan and we do n't have XXXX. So the response was if you come with XXXX you can keep your home. Our question is, if we were approved in court where were the figures then and why did they send these letters after approval of modification and making our scheduled payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Vehicle loan or lease (Loan) with Carvana Group, LLC (GA).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: Hello, I 'm contacting you in regards to some concerns I have with the way your employees at your headquarters are handle business practices within your company. I recently applied for a car loan on XXXX XXXX and was given options on my loan based on my consumer report and annual income. When I contacted your reps to verify nothing else was needed, I was told only my license needed to be uploaded and my check stubs just in case your underwriting dept needed them. After uploading these documents, a few days after the holidays I contacted support to get the status. I was then told some information that was incorrect and wanted to speak with a supervisor, after being connected with team lead XXXX in Arizona instead of being assisted with my concerns on what I originally called in about I was attacked with all kind of questions that I felt was unnecessary to ask being the underwriting dept had already emailed me with a few things that were needed to move forward and out of those things I only needed to provide one. XXXX began to ask questions that I felt were inappropriate for him to ask. He also informed me that on a previous application that was submitted months before there was n't any verification done for a fraud alert I have on my credit report, also informing me at the time there was n't one on the report and that 's why the verification processes was n't done. I then contacted XXXX to make sure this was true and it was verified it was n't. After receiving the initial email of documentation that was needed after getting off the phone with XXXX I received another email and suddenly documentation requirements changed. XXXX not only went on Secretary of State to investigate the company but also accused me of not being an employee but the owner! After, I explained that I was no longer affiliated with that part of the business and was just an employee XXXX he continued to find other unethical reasons why they could n't go any further. " The number on the account created with XXXX did n't match the number on my credit report '' even after I verified the number on my report with XXXX he never took the proper measures to verify me which was calling the number listed on my consumer report and verifying security questions. I 'm disgusted with the way I was treated and investigated despite the information I provided and furthermore I feel as though decisions were made based on feelings and not fair business practices. After, resolving that issue XXXX wanted additional information other than the check stubs I provided. He began to ask for scanned documents from the bank even after I provided my check stubs and bank statements from a legit bank institution showing proof of income. After, complying with all his requirements he still refuse to approve my application

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed an inquirty from Ccb/Ppc with Equifax on XXXX XXXX, 2015 and was sented the results stating that the Inquiries are a factual record of file acces. I disagreed with Equifax and ask in a cerified letter dated XXXX XXXX, 2015 that they provide me with:1. Method of Verifcation2. The name and phone number of the person they talked to. 
3. Copies of any documents paper or online they used in their investigation. 
Equifax responed by senting me the same letter i received on XXXX XXXX but with a different Confirmation number. Equifax voilate my right under the FCRA section 611 ( a ) ( 7 ) and i intend to file a claim in small claims court against Equifax for this violation. I have include uploads of the return receipt from the XXXX postal service showing Equifax received my letter, copy of the results from Equifax dated XXXX XXXX 2015, a copy of my letter ask XXXX Equifax for their method of verification and whom they talked to and their phone number as well as any documents used by Equifax to validate their results and a copy of thier letter dated XXXX XXXX Equifax sent when i ask for results show how they investagated this inquirty. 
These are my rights under the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: I had an account with Nation 's Bank years ago when Bank of America purchased Nation 's Bank and grandfathered my no fee checking. I moved this account to XXXX, Oregon and BoA grandfathered my no fee checking. BoA compelled me to change the account to a no-interest checking account when I purchased a home with BoA mortgage. BoA then sold my mortgage disqualifying me from having the account at no charge to me. They claimed they would grandfather me. Fraud occurred in XXXX XX/XX/2014 with a washed check, at BoA request we opened a new account and at great annoyance migrated everything ( bills, autopays, etc. ) to that account over 3 months time. They promised they would grandfather my new account. Their payments got messed up and they failed to make a scheduled mortgage payment inciting my mortgage company to interrogate me. After unwinding that in-person at BoA they again promised to grandfather my account. On XXXX XXXX, BoA started charging a new fee ( {$25.00} maintenance ) posted on XXXX XXXX to my account. On inquiry they determined they would not live up to their promised grandfathering and offered other fee based account options. While they refunded the fee they failed to mention I would get charged the same fee the next month. 

Through mergers and coercive behavior, the gov is a willing participant in reducing competition and reducing consumer services while funding these companies with taxpayer dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I HAVE SENT XXXX DIFFERENT LETTERS MONTHS APART ASKING THIS COMPANY TO STOP HARASSING ME ABOUT SOME ACCOUNT THAT IS NOT MINE. THEY HAVE CONTINUED TO DO SO.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Using a debit or ATM card

Complaint: I have been a client of BB & T Bank for over 15 years. As of XXXX XXXX, I have noticed numerous unusual charges to my XXXX Checking Account and fraudulent activity on my account and have asked the bank to assist with no help at all and continuous bank charges are being accessed on my account and I need some help in resolve and to recoup monies owed to me by my financial institution. Also please note XXXX XXXX the issued a chip security card with my old atm debit card number XXXX cards were active until XXXX XXXX. Claim # XXXX, XXXX, XXXX ( pending )

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