milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Maury Cobb, Attorney at Law, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I bought a XXXX phone for my girlfriend 's son in XXXX XXXX while I was on vacation. After XXXX months the phone was stolen from him. He never informed me that the phone was stolen, I found out late XXXX 2014. I asked him if he contacted XXXX about turning off the phone? He said he could not turn off the phone because XXXX needed my social security number. I did not give him my ss #. 

I got a phone call from XXXX in XXXX 2014, that the cell phone bill was {$430.00}. I explained to them that the phone was stolen in XXXX XXXX. and asked that they shut off the phone. XXXX said, " I WAS NOT THE OWNER OF THE PHONE AND COULD NOT REQUEST TO HAVE IT TURNED OFF. '' Then I asked, " So why are you telling me that I owe XXXX {$430.00}, if the phone is not mine? '' I said to the representative that something does n't sound right about this. '' XXXX months later, I received a bill in XXXX from XXXX saying that I owe {$840.00} and It 's going to collections. 

I immediately called XXXX and demanded an explanation. I was told that since I bought the phone, I am responsible for the bill. I challenged that statement because of what they told me 2 months before, that I was not the owner of the phone! 

I received a collections letter from an agency demanding {$430.00}. Then I received a second collections letter from Maury Cobb & Assoc. LLC form XXXX, Al for {$820.00}. 

The first XXXX calls from XXXX were threats to collect the debt via voice mail, calling my phone at least XXXX times per day. They use XXXX, XXXX and XXXX numbers to call, and rotate the calls daily. 
I have tried calling XXXX on numerous occasions, at least XXXX times per day. Whenever I call the numbers back, I receive a recorded message to leave a message and someone will get in touch with me. 
I contacted XXXX again but they insist that I have to pay although - : ( 1 ) The phone was stolen and was not in my possession ; ( 2 ) I pointed out that they told me I could not turn off the phone ( while the bill was at {$430.00} ) ; ( 3 ) They said that the phone was not mine, and I had no authority to turn off the phone ; ( 4 ) Then 2 months later, they insisted that I am now the legal owner of the phone and have to pay {$820.00}. 

Can someone please tell me what 's going on with XXXX and Maury Cobb & Associates LLC? Am I responsible for the {$820.00} bill?

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 09/23/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: As per complain XXXX, Nationstar Mortgage alleges that I paid full mortgage payments during my trial period. As soon as I received my trial period, I began making payments of {$600.00} for the first month, {$600.00} for the second month, {$600.00} for the third month and {$570.00} for the fourth month when it was brought to my attention that I needed to make the exact amount and that I had full filled the trial period by their representation. Their representative, XXXX, who is a manager, told me they had added an additional month to the trial period. I have resubmitted the forms to them for a new loan modification and they have laughed at me and told me I have been denied. " Once you fail a trial period - you NEVER get another. '' said XXXX on XX/XX/2016. Nationstar failed to apply the funds properly as shown in the original mortgage statements I sent to you in the above referenced complaint. Notice the unapplied funds in that statement. They were putting the payments in unapplied funds and then applying them as full payments. I never made a payment for {$470.00} which shows as being applied at one point - this occurred because they had n't been applying the funds correctly. They were taking the trial payments and applying them as full payments creating the failed environment themselves-which is what I have been telling them all along. They do n't know what they are doing. It is fraudulent and and obvious effort to take my house. I have had to humiliate myself by begging and borrowing money from family and friends to save my house and prevent myself from becoming homeless. No one is looking at the proper place on the statement. UNAPPLIED FUNDS which is where they put my proper payment!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (I do not know) with Winona Holdings, Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We received a collection letter from CheckCare requesting payment in the amount of XXXX which included a {$25.00} fee. The first name was in correct and the NSF check was allegedly written to XXXX for a prescription. It is very rare for us to even write checks and our accounts are not at risk for NSF. We have never been to XXXX. Assuming this is a scam collection and we will not provide any personal information to this company. What else can/should we do to protect our credit/identity?

Company response to consumer: Untimely response
Consumer complaint received 02-08-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MN).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I received an auto loan through Wells Fargo for my truck. Unfortunately, I have developed an XXXX in my XXXX as a result of a XXXX XXXX. Due to the XXXX I needed to have my XXXX  XXXX XXXX taken out and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For six weeks Ive been on antibiotics through an IV. Then a XXXX XXXX XXXX surgery and a few months of recovery. During this time I am unable to work. I also have no income, I am waiting for the auto insurance to send me a check for my lost wages. I have tried to work this out with the lender and they said they have no way to help me. When the check is sent I will be able to pay off the total owed for while Ive been off work 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 07/18/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Trouble during payment process

Complaint: Wells Fargo has not been reporting my home mortgage to the credit reporting bureaus.
Loan #  XXXX  is an automatic debit, never a penny missed in nineteen plus years. I attempted to resolve this last year with them ...  XXXX / XXXX /13 I was discharged from chapter   XXXX    bankruptcy having to file to stop a federal judgement for violating a noncompete.   XXXX   XXXX  ,  XXXX , MN presided.
My lawyer processed ALL documents necessary as we went through the process. WF claimed we did not. The bankruptcy had no bearing on my home or mortgage. My loan to pay my lawyers was reaffirmed at my bank and satisfied. My bankruptcy lawyer says WF is doing this to hundreds of his clients ... ..I want my credit to rebuild and reflect my perfect payment history! Please hold this evil empire to the fire and resolve my concern! I will, at my lawyers ' advise, be sending the  XXXX  credit reporting bureaus documentation of my loan history, if you deem this to be necessary.
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been contacted by XXXX firms that claim I owe XXXX ( formerly GE Capital ) {$1700.00} for a Sleepy 's purchase in XXXX XXXX. I had paid off other GE loans ( medical and other ) so when I was offered an account settlement I was most willing to pay the a lesser amount in XXXX installments of {$350.00}. As agreed I did so and I do have the letter and subsequent payment documents. I was later contacted by a credit firm in XXXX, NY, XXXX, and explained the situation -- I had a solid explanation about the resolution. XXXX XXXX I was served by XXXX, XXXX XXXX and XXXX. I explained the matter to their representative, XXXX XXXX asked me to fax the documents discussed to a " XXXX ''. I have the number and contact names. I wrote a followup on the cover to XXXX XXXX. I asked for a letter of confirmation. I did n't receive XXXX, but was n't surprised. Not until this week did I hear from the XXXX firm. The paper work, a cover letter and an old letter " from GE '' were sent. It 's dated, insufficient work. A great problem for people is the insufficient, groundless information that causes firms like XXXX to join in without full knowledge of the matter. A firm like XXXX is just permitted to contact and harrass consumers without the proper paperwork. I remember seeing the issue on the XXXX XXXX. ... Something needs to be done. I 'd appreciate your assistance. I can easily provide documents. Thank you for your vigilance. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: during my divorced i had to go into bankruptcy -- -- during 5 years in bankruptcy protection -- - XXXX dollar school loan accrued XXXX dollars in interest for a total of XXXX dollars -- is this leagle?

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Medical) with Receivable Solutions Specialist, Inc. (CO).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I called several times to pay my debt. I emailed as well. No one ever answered the phone or returned calls when messages were left. Thankfully I was able to pay thru the original creditor. I was trying to verify that the company was in fact real, and not a scan before I just mailed a check.

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
Consumer complaint received 07/29/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Money was not available when promised

Complaint: On XXXX/XXXX/2015 I went online to Western Union and started a Money Transfer Transaction for {$510.00} USD to my wife in XXXX. I choose WU Pay as the method to pay for this transaction. To utilize WU Pay I had to set up their account with " Bill Pay '' at my bank. I then approved a transaction with my bank to pay {$510.00} + XXXX fee = {$520.00} USD to WU Pay. WU Pay stated on the Western Union website that the transaction would take 1 to 3 business days for approval of funds received. WU Pay told me on XXXX/XXXX/2015 they never received my payment and would not wire the money to my wife in XXXX. My Bank said they sent a wire transfer for {$520.00} to WU Pay on XXXX/XXXX/2015 and had confirmation it went to WU Pay. I made several calls to WU Pay and each time I was told they had not approved receipt of my payment and could not complete the money transfer to XXXX. Finally I told them I was going to stop payment on this but was unable to do so because it was a wire transfer originally. WU Pay held my money for 5 days and refused to send it to my wife all the while telling me they had not received funds from my bank. On XXXX/XXXX/2015 after talking with Western Union again, I received an email that they had not received payment from my bank. WU Pay has my money and will not send it to my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I attended XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I currently owe {$56000.00} in loans. I am just beyond upset and frustrated that I am paying back a loan which charges $ XXXX/day in interest to a company that took over my loan from XXXX XXXX. XXXX XXXX went bankrupt in XX/XX/XXXX and unknowing at the time I now know that their financial issues were an issue way before I graduated. I do not feel that it is my responsibility to continue to pay for this loan, the company my loan is with they should be forgiven. The interest I am paying alone with this loan will have me in debt with this for my lifetime and that is just not fair seeing as how the school closed and went bankrupt. I am a single mom and was a single mom when I attended XXXX XXXX. To have to owe {$56000.00} to a school that no longer exists is just mind boggling. I know I am not the first to complain about this and I may be a little late with my complaint but financially this is going to be such a burden on me and I just want for this issue to be looked into a little further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed inaccurate information on my credit file with Transunion, I have on numerous occasions requested that they please verify that these are my accounts by validating my signature that i have a contractual obligation to pay these accounts that I do not recall owing these creditor.1 ) XXXX for XXXX, XXXX for XXXX and XXXX XXXX. I sent several certified letter to validate this information with my signature which they have not but they continue to verify this inaccurate information on my file.. please 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 non-monetary relief
Consumer complaint received 09/16/2016 about Debt collection (Credit card) with Law Offices of Hayt, Hayt & Landau, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a credit card account with XXXX XXXX from XXXX to XXXX. I paid the credit card faithfully until I was laid off in XXXX. The credit card went into collections in XXXX. I paid the collection company from XXXXto XXXX.I stopped paying on it because I hit hard time again. So XXXX in XXXX the XXXX XXXX account went The Law offices of Hayt, Hayt, Landau, LLC. stating I owe {$2100.00} and {$13000.00} went to interest. When I sent my response letter to them, There response was a letter and XXXX XXXX statements from XXXX XXXX. Not anything I paid to the collection agencies.

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 04-02-2017 about Credit card () with Comerica (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My social security goes to direct express, this month when my money went in someone went into my account changed my pin number and transferred all my money out of my account, after doing research online this has happened to thousands of other people that have there social security go to direct express.Most say i will never see that money, others say it will take forever, everyone to a man said Direct Express was rude and acted like it was their fault, when in fact they have bad security.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The XXXX credit reporting agencies ( XXXX EquifaxXXXX ) falsely reported XXXX items that did not belong to me. It took months to have them take said items off my credit report but now, the XXXX credit agencies wo n't correct my credit score after they damaged it. It was their mistake to report me to begin with then adjust my score by removing ALL of my credit. My score was around XXXX before the credit bureaus made this mistake now it 's " DAMAGED AND HARMED MY LIFE! '' The bureaus will not correct it! 
I have attached a document from XXXX XXXX showing what the credit bureaus are reporting on my credit score. I have NOTHING and the credit reporting agencies do n't even show my positive credit. This has ruined my chances on getting a car loan, an apartment, an advancement at work and a credit card!! They wo n't fix their mistake and I 'm going to have a nervous breakdown! I ca n't believe what they did to me!

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (RI).
Issue: Struggling to pay mortgage

Complaint: Tried to Modify with XXXX XXXX XXXX representing me in Federal Court and was put into the courts masters program. Then my case was withdrawn from the federal court and was supposed to be put into state court, XXXX committed XXXX. Have been working with a local company after FHA loan was sold from XXXX to XXXX and became a non FHA and then sold to Shell Point Mortgage servicing and was denied numerous times in 2 years. There was no mediation, ShellPoint was and still is conducting UNLICENSED business in my state, and RI Housing issued a Certificate of compliance to forclose when the company is not licensed which is a severe compliance issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Other mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Morgage payment late due date on XXXX.check made out XXXX.put in mailbox.was called by penny mac a few days later asking if payment was sent.told them date mailed ect.rep said it may have not arrived yet perhaps due to postal holiday on wednesday middle of week.told them that could be .XXXX on XXXX. Payment recieved 1 day past grace period .recieved on XXXX.due XXXX. Called company rep because i recieved a letter asking why i hadnt paid the XXXX late fee?? Called penny mac explaining holiday ect.they would not comprimise.i have included late fee with next payment but would like credit for fee. First time ever being late in 6 yrs mortgage paying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: At Transunion I spoke to a Supervisor named XXXX. I have approximately XXXX hard requests that are not mine. He told me he could not dispute them. I had to call them individually then make a police report for FRAUD. I called each XXXX they say they have no applications for me so then it was an error. I ca n't get letters so They will not take off my report. The police said they need to do there job. If there are no reports then there is no fraud.

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 08/24/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MI).
Issue: Credit decision / Underwriting

Complaint: I purchased a home with citibank in XXXX through the FHA program. In XX/XX/XXXX I contacted XXXX XXXX via phone and started a REFI to conventional. While on the phone I had asked about being credited back the upfront mortgage insurance premium because I had only been in the FHA program a matter of months. He told me that would be credited to me at closing. When I received the HUD prior to closing I asked the closer where my refund was. She told me that would come from HUD in XXXX weeks. That I have in email format. I was expecting well over a XXXX dollars back in MIP refund which I have been told by HUD that I do not qualify for because I refinanced into a conventional product and not FHA. I was lied to and mislead.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I initially sent a dispute as the info on my TransUnion Credit Report is inaccurate as it related to a Chapter XXXX Bankruptcy. I received notice back they the information was verified and it listed it as being verified through the courts. I knew the filing dates were inaccurate so I pulled my file and sent supporting information and sent to the bureau. They still sent me back " Item Verified '' Therefore, they claimed to have gotten the information from the Courts and when I reached out to them ( the Courts ) they advised that they do NOT supply information to Credit Bureaus or 3rd party agencies. To better assist you guys in your research I have attached supporting documentation as it related to the bankrupty listed on my report ( s ) showing a filing date of XX/XX/2016 not XX/XX/2016 as reported to the credit bureaus. With that being said, it is my understanding since they are reporting inaccurate information this MUST BE DELETED as per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. If you look at the attachment I have attached you will see clearly that the filing was completed on XX/XX/2016.. This items should be removed. 

Thanks in advance for your help in resolving this matter.

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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is wrong information on my report :  XXXX   XXXX  > I have never paid late this account, insurance paid late   XXXX   XXXX    XXXX   XXXX  > I have never paid late this account, insurance paid late

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 04/17/2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EXPERAN CREDIT REPORT. FTC ID THEFT REPORT # 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