milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, whom we do not and never have held a mortgage with, erroneously paid our XX/XX/XXXX XXXX County property taxes and is seeking reimbursement. I confirmed XXXX XXXX made the payments with the XXXX County Treasurer 's Office. On XX/XX/XXXX, a XXXX XXXX Claims Processing Representative explained our tax ID # is similar to one of XXXX XXXX 's customers ( differs by a digit ), thus, XXXX XXXX paid our property taxes in error. Based on internet research, XXXX XXXX has made many errors in regards to property tax payments. 

Initially, our mortgage ( a FHA loan ) was with Bank of America. The following were escrowed in the loan : our home owners insurance, mortgage protection insurance, and property taxes. Historically, Bank of America made our property taxes to XXXX County without issue. However, when Bank of America made our XX/XX/XXXX property taxes, the payments were returned as they had been paid by XXXX XXXX. Bank of America failed to question the returned payments. Instead, they held the funds in our escrow account and issued partial refunds to us in the check form. 

When we received the refunds checks, we contacted Bank of America for an explanation. Customer Service simply stated that the refund reason was for an " escrow overage. '' They did not offer any further explanation and did not state our tax payments had been returned. Bank of America sold our mortgage to XXXX in XX/XX/XXXX. Our mortgage went to XXXX 's books with an escrow balance. XXXX issued us an escrow refund check, however, no explanation have been obtained from them. 

On multiple occasions, we 've contacted Bank of America and XXXX to reconcile the escrow accounts and to resolve the issue. However, they have failed to respond or work with us on reaching a resolution.

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 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof of claim that DIVERSIFIED ADJUSTMENTS INC. is a entity that is entitled to enforce a claim against me by law, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, this account has already ben disputed before with a previous Third party collection agency, so during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (I do not know) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A debt under XXXX XXXX XXXX is showing in my credit report. I 've tried calling to find out what the debt is and they keep advising that the debt with them that I had has been paid and that no other debts for me are in their system. This continues to be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Debt collection (Other debt) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a collection letter from Linebarger Goggan Blair & Sampson, LLP over two unpaid tolls amounting to {$10.00}. The collection notice also added {$50.00} in fees. The tolls were incurred over a year ago. I made multiple efforts to pay the tolls around the time that they were incurred, however I was told multiple times that there was no record of the money owed so I could not pay. I sent a letter via both postal mail and fax explaining my previous efforts to pay, and I enclosed the full amount demanded in order to evidence my good faith effort to pay the debt. By not allowing me to pay the debt, and then subsequently sending a demand letter which includes fees and other charges, this firm is engaging in an unfair and deceptive trade practice. After I sent the letter to the firm, they made no effort to investigate this matter or contact me to resolve this in any way. The letter is dated XXXX XXXX, XXXX and the checks were cashed on XXXX XXXX, XXXX. 

Additionally, this firm is violating the FDCPA by sending letters that would confuse the least sophisticated consumer. The letter clearly states that no lawyer has reviewed the account or made a determination as to the legal status. However, the letter also cites the statute which provides for payment of tolls, and then straightforwardly concludes that I owe this money as a result. It is plainly misleading to state that no attorney has made a determination yet state a legal conclusion.

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 Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was manipulated into getting this loan. The counselors at my school made me think I needed this loan and I was told that I had a fixed interest rate. Navient convinced for to keep getting a forbearance because I could n't afford to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On my XXXX credit report it shows also know as XXXX, XXXX, XXXX, XXXX not me. 

It show Employer XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Have never worked for them Have worked for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX Have never lived at XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Credit decision / Underwriting

Complaint: Aggressive sales pitch and misrepresentations for a jumbo purchase money loan by Citibank 's loan officer, XXXX Sun, XXXX # XXXX which resulted in a declined loan with lower counter offer than originally approved for, higher pricing and fees than promised, and numerous mistakes in documentation causing late closing of escrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My complaint is with Wells Fargo Bank # XXXX in XXXX XXXX, Texas. I have been battling this since XX/XX/XXXX when Wells Fargo let someone clean out my savings account while i was XXXX  XX/XX/XXXX thru XX/XX/XXXX. I went into the branch nearest me and filed a claim. The employee that recorded my claim had the details halfway correct. The claim should have been for {$1300.00}, but the teller made it for {$300.00} in which it was denied because the bank sent the thieves a replacement debit card and they used it to withdrawal money. So, a year later and I still have n't gotten my money back. And the kicker is I even have a police report on my identity being used.

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 11/30/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Numerous of old collections have been removed & added back to my credit report without sending me a letter in writing stating why this keeps happening. This is really affecting my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Problems when you are unable to pay

Complaint: I tried to correct information that Capital One Auto Finance has been reporting to the credit bureaus for several months now. I first tried a dispute through the credit reporting agencies, and the reported information kept being reported as " correct. '' I then tried contacting Capital One Auto Finance directly, was given the contact information for disputes, and tried to contact them to correct the information. I attempted to fax and mail the information regarding my dispute, gave well over 30 days time for them to respond each time, and still have received no response. This one item, if corrected, should drop from my credit report, and it is essential that it is corrected to give me the appropriate FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing collection, unknown payment status, closed. I am unaware of collection, unknown payment status, closed with this company. I contacted this company via certified mail asking for validation of the debt which was not provided to me. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. Please validate this information with XXXX. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 04-06-2015 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Validate the debt before any attempt to collect. I am very disturb with their limited responses ignoring all validation requirements by the FDCPA of 1977 as I request validation Unifund needs to come up with requested verification

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted equifax dispute center on XX/XX/2017 and XX/XX/2017 in regards to XXXX inquiries they are reporting on my credit report. I advised the representative that the inquiries were not authorized by me and I had supporting documentation from the companies stating they made a request for the inquiries to be removed. I have sent correspondence via fax and mail and have called numerous times and the inquiries are all still reporting. The inquiries reported without my authorization are XXXX, XXXX XXXX XXXX and XXXX XXXX. Equifax has yet to acknowledge requests from both myself and the companies to remove these inquiries even though I have disputed these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Debt collection (Auto) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Wells Fargo Dealer Services is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. Wells Fargo Dealer Services is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. Wells Fargo is intentionally reporting wrong credit information on my credit report and it has negatively affected me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My student loan was held by XXXX XXXX and was to be transferred to ATG. ATG said they did not receive my student loan. I need help to find the student loan. I ran my credit report, it does not show who is servicing this loan. The student loan has been " gone '' for almost 1 1/2 years.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I have filed a few complaints about BBVA Compass Bank. Their response was just posting the bill of sale of the motor vehicle and financial loan information without any explanation. BBVA Compass Bank also had committed fraud the information that was sent in response to me listed that the sales date of the car was XXXX XXXX of XXXX. I did not purchase the vehicle on XXXX XXXX of XXXX. I did not sign anything until XXXX XXXX of XXXX. XXXX XXXX was also the same day that I had put {$4000.00} dollars down as my down payment. So BBVA Compass Bank approved and made the sale of the vehicle on Monday XXXX XXXX of XXXX. I did not purchase the vehicle until Tuesday XXXX XXXX of XXXX. So that would be them either commuting some type of fraud or making the financial loan invalid. That making me Not Responsible

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: We returned our XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX to XXXX as part of the XXXX XXXX. We were told our loan to our institution would be paid off by XXXX, and an XXXX sent to us for the remainder. The lender sent documentation on XXXX XXXX, XXXX stating the loan was paid off. In fact, the loan pay off hit our credit reports in early XXXX. We also received an XXXX from XXXX for the portion of the buyback above the remaining loan amount ( so far, valid ). 

Today, XXXX XXXX, XXXX, we received notice from our lending institution that the loan was not satisfied. We called the lending institution and XXXX 's check bounced ( confirmed by a supervisor ) ; the lender received a bad check from XXXX and is reinstating our loan. 

The installment payment is now due tomorrow, XXXX XXXX, and we no longer have the car ( XXXX does ). We are concerned about the rejected pay off and what it will do to our credit reports. Do we owe this month 's installment payment? 

How can XXXX get away with bouncing a check and the institution reinstating our loan?

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: MY NAME IS SPELLED XXXX XXXX I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND CREDIT REPORT. ON MY ID MY ADDRESS IS CURRENT THATS THE ONLY ADDRESS I EVER HAD IN MY LIFE ANY OTHER ADDRESS SHOWING ON MY CREDIT FILES ARE FRAUD, ALL OF THE PHONE NUMBERS ARE FRAUD ALSO.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BTH Management (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Notified original company in 2010 that debt was included on bankruptcy. Never received notification from collection company of debt. Not responsible for debt included in bankruptcy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Equifax/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

XXXX XXXX XXXX XXXX Credit Account : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 


Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Payday loan) with CHECK INTO CASH INC. (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was called by a company called XXXX on XX/XX/2017 at XXXX in regards to a defaulted loan through Check Into Cash in XXXX. I explained to the collector that i am homeless and have been since late XXXX and he started swearing at me and calling me a liar and threatening to have me arrested and sued. His behavior was abusive and hostile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: I really need your help. There are some things reporting on my Experian report that is contradicting and I have asked several times for calcification and still the contradictions are there. I hope your company can help me with this. Experian reports an XXXX - XXXX only as XXXX XX/XX/XXXX but nothing prior to that. Another XXXX XXXX with a XXXX XX/XX/XXXX no previous payment history either.There is a XXXX account-XXXX.. shows charged off {$5600.00} but the past due balance is {$4100.00} how can one be higher than the other? There are 4 XXXX XXXX XXXX Three of the accounts XXXX, XXXX and XXXX are showing the same payment history exactly but one of the accounts states it 's due to continue reporting until XX/XX/XXXX and the other states XX/XX/XXXX and the other states XX/XX/XXXX if the payment history is exactly the same why would n't they state the same dates? The last 5th in question XXXX shows As of XX/XX/XXXX it was Foreclosed XX/XX/XXXX but no payment history before that. With so many different contradictions how can they have really researched them?

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