milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX wanted to charge me the full monthly price of XXXX to terminate my contract ending on XXXX XXXX XXXX, but with access ending on XXXX XXXX XXXX. There was no clause my in my contract I would only have 10 day access for paying the full amount of the final month. The claim was " so that I would not be billed again. '' If that was the case, they should have charged me the prorated rate. There was no clause in the contract that my access to the gym would terminate early. The debt was disputed within the legal time frame of 30 days, so it not a valid debt because it is disputed. ABC financial continued their attempts to collect and have sent it to a third-party for collections. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Has been Hacked 143 million, They finely gave a news cast They are not concerned enough about me or any of there customer to contact them personally.
I contacted Equifax.
Equifax finely said Thursday, hackers STOLD, sensitive personal data, Social Security numbers, birth dates and home addresses.
Equifax said the breach began in XX/XX/XXXXand continued until it discovered in late XX/XX/XXXX.
Poss ably my Social Security numbers and birth date and other information about me, is in the hand of thieves ...
Equifax also lost control of drivers licenses, credit card numbers and credit dispute documents for 182,000 people.
What little information I have got is not enough ...
I need answers, Not token responses to this problem.
At there web sight, no help They said check back on a certain date.
I have to do the work they are lackadaisical.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a call from citi stating that i had opened a credit card with them and I told them I had not so on XXXX XXXX, 2016 I sent them a letter requesting that they provide me with validation persuant to FDCPA meaning competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation with them and they did not provide this information. I also explained to them that any negative mark placed on my credit report for a debt that I did not owe was a violation of the FDCPA sec 807 { 15 USC 1962e } : and I gave them 30 days to validate or delete this account and they did not nor did they mark it as disputed as required by the FCRA. I then sent them a second request on XXXX XXXX, 2016 to validate and provide proof of this account and to this day they have not done such they sold this account to a collection company called XXXX XXXX and I sent them a cease and desist letter because I do not have a financial obligation with them and they can not provide me with a signed contract stating that i owe this debt. I am requesting that CITI remove this account immediately from all XXXX credit bureaus ( XXXX, XXXX and XXXX ) as i have requested validation of this account and they are both unable to and unwilling to provide me with the proof that I am requesting, I am keeping records of my transactions with them and am willing to take them to court and file a defamation and a reporting of inaccurate information case in both federal and state court.

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 02-09-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: I had a mortgage with Wells Fargo and did a modification in XXXX in which they reduced the mortgage by {$92000.00} and then sent me a XXXX stating it was {$81000.00}. I recently sold my home and I needed to pay the money they reduced from my loan which to my understanding was {$81000.00}, however WF and Hud stated it was {$92000.00}. I went around and around with both agencies until Hud advised me to call WF executive complaint line in which I did and spoke with a XXXX XXXX XXXX who was very rude and condescending who did not listen to my complaint but rather continued to talk over me until I hung up on him. He then followed up with a letter, but again he did not address my complaint which is why did WFB send me a correction regarding the Hud partial cliam. He instead did what he did over the phone which was add up the charges that equal {$92000.00} but never addressed the correction of {$81000.00}. In reviewing the documents sent to me by WF the Loan modification agreement ( Deed of Trust ) states the original principal amount is ' {$300000.00}, they reduced the unpaid principal amount due ( payable ) to {$220000.00} when subtracted from the original balance of {$300000.00} is {$79000.00} ( {$1500.00} ) difference of about the required modification payment of {$1100.00}. When I stated to both Hud and WF that the repayment due was {$81000.00} not {$92000.00} I hit a brick wall. I received copies from Hud of the Partial claim deed they received from WF it was for {$92000.00}, however they did not have a copy of the CORRECTED copy sent to me by WF dated XXXX for {$81000.00}. This corrected copy was not filed as stated per the document. Additionally, WF reported to the credit bureaus that I was late with my payments for 120 days, I was not late, as I paid the required amounts set up by WF for the modification process until it was complete. Per the statement indicated on the documents by WFB they would report to the credit bureau " late payments, missed payments, or other defaults my be reflected. I signed an agreement with WFB for the modification and I made the payments as they required and I paid the on time. I was not late, I did not miss nor was I in default. They ruined my credit and caused me to have to receive a higher interest rate for the purchase of my new home. I believe WFB has acted in a less than honest manner in handling my modification and I ask that you would conduct a full investigation. I have not been able to resolve this issue with WFB as they did not address my concern regarding the correction of the partial claim from {$92000.00} to the {$81000.00} which is what I believed would be due to Hud at the sale of my home. I paid Hud {$92000.00} in order to complete the sell of my home but I have disputed this amount and continue to do so as of this letter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Mortgage (VA mortgage) with LENDER LIVE (VA).
Issue: Settlement process and costs

Complaint: I am an XXXX service member and XXXX in XXXX of XXXX. When we arrived in the area we purchase a house for {$190000.00} and by XXXX the value had dropped dramatically. I am now set to transfer to XXXX in XXXX of XXXX and can not afford to keep the property so I started the process to sell my house in XXXX of XXXX, thinking that two years was more than enough time to sell before leaving. I know I will never be able to sell the property for as much as I paid for it so I requested a Short Sale through my then mortgage company. After a couple of months of waiting for a reply from them and listing the house for sale, that mortgage company sold my loan to another mortgage company and in the process lost some of the documents causing the buyer we had for the property to back out because they were taking to long. We then got back on track with the new company trying to sell the house. The last appraisal was done in XXXX of XXXX stating the house was worth {$76000.00}. We listed the house for {$100000.00} and received an offer at that price. Now almost a year and a half into trying to sell this house and not go into foreclosure, my now mortgage lender says they need to net {$140000.00} to approve the Short Sale. I have never missed a monthly mortgage payment and can not afford to in the future because it will affect my security clearance and my job. I do n't know what else to do. We have been very patient and done everything this company has asked. If I foreclose on this house it will affect my career and family and that is the last thing I want to do but come XXXX of XXXX I will not have a choice and will be forced to foreclose. I would very much appreciate any assistance you could offer. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (I do not know) with Rash Curtis and Associates (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This is a follow-up complaint to Case number : XXXX. 

On XX/XX/XXXX, I submitted the above referenced case. I provided back-up documentation. The company responded that they would no longer contact me on my work telephone number, yet today, at XXXX I received an debt collection call from Rash XXXX at caller ID number XXXX. I heard a recorded message that it was an urgent business matter for myself and then I was placed on an indefinite hold. 

From my previous complaint : I received a phone call on my direct line at my place of employment on XXXX at which time I sent them a letter via fax and USPS to cease and desist contacting me at my place of employment during my work hours. I have continued to receieve phone calls : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I have sent them 4 notices, all faxed and then sent by standard USPS delivery. 

On XXXX I spoke to a woman named XXXX who verified that they had received my communications and was unsure why I was continuing to get calls. She was going to contact their IT department. 

The company submitted a response : Good Morning, Per XXXX request, our auditing department reviewed his account today. All numbers in the complaint had been removed and the file was noted that no calls are to be placed to his place of employment. One number, XXXX was located in another file in our office under a different individual 's name. This could explain why calls were placed to that number even though the number in XXXX account had been removed. Effective today that number was removed from the other file as well, and was noted that no calls are to be made to the place of employment. RCA has placed both numbers in our " Do Not Call '' data base. 

They have not ceased this illegal collection activity as of today, XX/XX/XXXX. This will be their 6th written notice to cease and desist. ( I will note that all of the calls were placed to my direct inward dial line at work XXXX and not the XXXX that they reference above. Phone systems logs are available to corroborate if needed. ) I request the the Consumer Financial Protection Board take enforcement action against Rash Curtis for their ongoing and blatant disregard for the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX XXXX XXXX XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Every day of the work week, they call up to XXXX times and normally do them one right after another at my work number. They do n't leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Last month, I submitted a complaint under case number XXXX. I had been dealing with Ditech for 6 months to get my escrow account updated with the correct tax amounts. They stated that the issue had been resolved and I got a new mortgage amount. This " resolution '' lasted one month. I just received a statement that my mortgage and tax amounts have gone back up. This incorrectly adds {$200.00} to my payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I was subjected to deceptive trade practices. I explained the situation in great detail and submitted evidence that the company was not following industry standards. 

Chase treated my inquiry as a billing error instead of deceptive trade practices prohibited by Virginia state law and proceeded to resolve the issue with the deception ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian reporting information is not mine.

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 06/22/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The bank opened an account for someone other then me without obtaining my signature or iidentification card which resulted in an account being opened for someone other then md

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX my husband and I came up short on a few mortgage payments, he is in XXXX and was XXXX which was between {$XXXX} and {$XXXX} a month. We decided to start a request for a loan modification through XXXX and were told to stop our payments all together from a XXXX representative and the loan mod would put those payments at the end of our loan when it was rewritten. So we stopped payments, we filed the paperwork for the loan modification XX/XX/XXXX, ever time the package was submitted XXXX would need another document or they would claim to be missing something we had already sent 3-4 times. Finally they had all of our information and documents and said they would have an answer soon. Within the week XXXX said they were no longer in control of our loan that we were now with Nation Star Bank. We had the same issues with Nation Star Bank, we would call and would be on hold for 45 mins or more with now answer or would be hung up on, they would need more information or not receive documents we had sent many times. Finally on XX/XX/XXXX we had an approved loan modification but the modification does not help our situation they are requesting us to pay double paymets for 12 months to get " caught up '' they requested us to accept the offer by XX/XX/XXXX. We sent the accepted offer in to them on XX/XX/XXXX we had to contact them to make sure it was received they made no attempt to contact us, on XX/XX/XXXX my husband called and they again claimed to be missing documents so close to the due date. Today we signed another acceptance and sent it to Nation Star via email and they were already closed when we tried to call to confirm it was received. Again so close to the due date, it really feels like Nation Star and XXXX are trying to make a 22 year XXXX family homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
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: After investigating my credit report, results and facts is this company has reported false information ; after my first dispute the results remained the same. The results are clearly false reporting and I will be moving forward with my actions.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I filed a dispute with the credit bureau and the company asking them to validate the account and any information they have proving it belongs to me and they have not done so and it 's been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have XXXX student loans through Navient, XXXX with co-signers and XXXX without. Due to medical /financial issues, I have fallen behind on making payments on the XXXX loans without co-signers. Navient has resorted to contacting my co-signers, in an attempt to get into contact with me, about the XXXX past due loans. This is an abuse of the information they have at their disposal and I want it to stop. Navient should only be contacting me directly and, if available, I will take their call or respond to their emails.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (I do not know) with KEYCORP (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: An overdraft fee that was " not to increase '' did in fact increase. I attempted to put a hold or freeze on my account and they would not comply. They continued to multiple the overdraft to the power of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Student loan (Private student loan) with TimeMark Solutions, Inc (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I called and thought I was speaking to a   XXXX   customer service rep. However by the end of the call I realized I was not. This was a company called time mark solutions. I gave them my social my debit card as well a license number. They did n't tell me until the end of the call when they were " supposable '' sending me my paper work that I never got that they were n't  XXXX  they were a debit consolidator. Here is there number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (MI).
Issue: Fraud or scam

Complaint: My email account was hacked and I found money orders in my email box. It appears XXXX caught and blocked it, looks like western union sent money through. 

THIS IS FROM XXXX 'S XXXX : Money Transfer Receipt Dear XXXX XXXX, Thank you for using XXXX. We appreciate your business! 

XXXX must get approval from your bank before sending the money to your recipient. When the electronic withdrawal is complete, which may take from 1 to 4 business days, we will notify you by email and send your transfer to our partner for Cash Pickup. 

We will also give you specific pickup instructions that you will need to communicate to your recipient. 
To view the current status of your transaction, visit Track your transaction. 

For Customer Service, visit our Help Center or call XXXX. 

Transaction Details XXXX Tracking Number : XXXX Transaction Date : XXXX XXXX, 2017 XXXX XXXX PDT Date Available : XXXX XXXX, 2017 Central Standard Time - XXXX XXXX, XXXX Cash Pickup with : XXXX View Locations Amount Received : XXXX MXN Exchange Rate*:1 USD = 17.79 MXN Amount Sent : XXXX USD Transaction Fee : + XXXX USD Total Cost : XXXX USD *In addition to the transaction fee, XXXX also makes money when it changes your U.S. dollars into a different currency. XXXX rounds to the nearest whole peso. 

Recipient Information XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sender Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX United States HERE IS THE WESTERN UNION ONE : Dear XXXX XXXX, Please return to westernunion.com and enter the 4-digit PIN displayed below on the verification screen within the next 3 days. 
Your 4-digit verification PIN : XXXX If you have any questions, contact us at XXXXXXXXXXXX. Please DO NOT reply to this email. 




I am unaware what, if any, recourse is possible. I just wanted to pass along this issue with hopes it can be beneficial in combating fraud. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation