milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2015 about Debt collection (Medical) with Professional Medical Management, Inc. (MD).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have medical bills with XXXX XXXX in XXXX, PA I had been paying {$25.00} on each of the XXXX bills until about a year ago when a rep. called me from XXXX XXXX and we agreed that I make a once a month payment for {$110.00} and some change. I rounded off the payment to {$110.00} a month and sent my payment each month that I received my bill. Well the bills stopped coming in the mail in XX/XX/XXXX and I never heard a word from XXXX XXXX either by mail or by phone regarding any payment issues so I assumed my bills were paid in full and that was the end of it, until yesterday when I checked my mail and found that I had a letter from a Collection Agency ( Financial Recoveries ). This letter includes XXXX unpaid, overdue bills from XXXX XXXX and they are expecting me to pay them in full. First off I was making payments that were agreed upon by myself and XXXX XXXX. How can they just up and send these to collections without properly notifying me that there was a problem? I guess I should have contacted them but life gets busy, especially when my focus is on my health and trying to physically get back on my feet. I have been dealing with major back issues since 2012 and all that comes along with that, like doctors, hospitals and health insurance. I am and have been on XXXX so there is no way I can come up with a lump sum to pay these bills off the way the collection agency wants me too. I just do n't understand why XXXX XXXX stopped billing me and sent me to collections. I was making my agreed payments. 
I sure hope that by writing this letter to you that you can help straighten this mess out for me or at least point me in the right direction. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a call on XXXX/XXXX/XXXX at approximately XXXX XXXX  on my work phone from XXXX ( XXXX XXXX XXXX ). The man stated I had an outstanding debt to XXXX XXXX XXXX XXXX in the amount of {$200.00}, and did I want to settle the debt by phone. I attempted to explain to the caller my credit card with Sears was more than 25 years old and I knew my mother had paid the debt in full. The call turned hostile when I asked the caller to provide details on the amount owed by letter or fax. He told me he did not have to provide details, I knew what I owed. He told me he knew where I lived, specifically providing my home address, he knew what kind of car I drove, ( XXXX ) and he would be calling my employer regarding this outstanding debt. I hung up without giving additional details. I called back at XXXX XXXX, after reading the specifics on the Federal Trade Commissioners website about the Fair Credit Act. A man who identified himself as the General Manager got on the call and proceeded in a more abrasive confrontation manner stating if I paid the debt by phone the calls would stop. I attempted to read the statute of limitations, the right to request details on the debt and the right not to receive threatening calls on my job or my personal phone. He stated a collections notice was mailed to me two weeks ago. I attempted to explain I had not received the notice and could he fax it to my attention. He said no he was not required to provide me with details, my debt did not go away no matter how old and I needed to pay or he would proceed with taking action by calling my employer, filing charges and suing me. I told him without proof of debt I would not continue the call and would proceed with the law, as regulated by the Fair Credit Act.  He was belligerent, unnecessarily hostile and would not allow me to speak. I hung up on the call again. I was no longer going to me insulted by his hostile voice, threatening tactics of calling my employer or coming to my home.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: My social security details have been stolen along with possibly other information. 
The way I found out was a hard inquiry on my credit was issued from XXXX. 
When I called XXXX, it appeared that they opened a credit card for this individual. It was cancelled straight away. 
I also received a call from XXXX XXXX for an attempted opening of a credit card. 
I would also like them to make sure they update my details to include my current address and other information. The individual I believe used my prior address and thus was able to open an account using an old address because it was n't updated with the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with WELLS FARGO MORTGAGE. I asked for a loan m modification and was given the run-around. They seem as if they were purposely trying to make me loose my home. They tell you that you have to to be late before they can process a modification. Then while I think they were processing the modification, they were behind my back trying to foreclose. My mortgage was sold several times. it is a XXXX account. They keep adding fees that I do n't owe them to my balance. 
I bought my home in 2006 at XXXX I made my payments every month. 
the balance never seem to go down. This bank is not right

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that Credit Bureau 's disclose to me all of the documents that they have recorded and retained in their file at the time of a request concerning the accounts that they are reporting in my credit report. I requested copies of the documents that they have in their files that were used to verify them. 

If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they should delete them immediately as required under XXXX XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I applied for credit so that I may have funds as I am going thru XXXX.  My credit report from XXXX  and transunion were embarassing and incorrect.  XXXX was accurate and contained information the was true and correct.  I contacted XXXX and transunion and asked why my credit report did not reflect 14 past loans and 4 current loans with 2 current revolving credit cards,  I have banked with XXXX XXXX XXXX XXXX XXXX for over a decade and have never been late nor missed a payment.  I was told that my information was on their system but nobody could see it because the bank refused to pay their fees.  But at the same time if something negative appears they have no trouble reporting that.  there is a 150 point difference between my XXXX report and my transunion and XXXX report.  when I tried to resolve this problem with XXXX and transunion they would not discuss this with me.  This started in XXXX of 2016 with no explanation of why my credit score dropped 150 points in 1 day.

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 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: USAA Savings Bank is reporting incorrect information on my credit reports. I sent a certified letter with return receipt which they received on XX/XX/XXXX. This letter was asking them to verify the accuracy of this account, and to provide me with anything bearing my signature. By law they have 30 days to provide me with this information and if they can not provide evidence bearing my signature they must contact all credit reporting agencies and delete the item. They did not verify account. I pulled my credit report and noticed the item still being reported. In addition to not providing evidence bearing my signature, they did not contact the credit bureaus to annotate that this account is being disputed within 30 days. They have already broken the law according to FCRA & FDCPA. I gave them a second chance and sent them a letter which they received on XX/XX/XXXX. In this letter I reminded them how they have already broken the law, but if they simply have the credit bureaus remove this item, I will not pursue legal action. They still did not verify the accuracy of their reporting, they did not produce proof displaying my signature, and they broke the law by not notifying all 3 credit bureaus to mark this account disputed within the required 30 day period. Im going to give them another 15 days and if they do not contact ALL credit bureaus and have this account deleted. I will pursue legal action. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )? Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) If they remove this item, I will not pursue legal action and i will remove this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I noticed that both credit cards what use to be a fixed interest credit card from Capital One Bank changed to a variable rate card my interest rate went up from 17 % on the Mastercard to over 20 % and the Visa Card went up from 17 % to over 18 %. I have never missed a payment nor have I been late with a payment matter fact I have always paid more that the listed minimum payment. The Mastercard was through XXXX but Capital One Bank bought them both. I called them on Saturday the XXXX of XXXX 2017 and that 's when I was informed that my cards were variable rates of interest. I have n't received anything stating that my cards were variable they could have called me on the phone ( they do have that on file ) mailed me ( which all I get is statements ) or emailed me but nothing at all was sent to me on this issue. I do have the emails sent to me telling me that my payment is due and when I pay it online I get a email from them telling me that my payment has posted. Capitol One Bank most likely close my account over this or raise my interest rates over this complaint but they will just lose a customer for ever.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX erroneously mismanaged this account and fraudulently changed there promotional interest rate of 0 % for balance transfers after 6 months when it was for a 12 month promotion. They have erroneously reported me as a charge off collection remark since XXXX but more importantly the stature of limitations regarding the FCRA guidelines is from date of last payment which on this dates back is XXXX. And this needs to be deleted off my credit profile as of XXXX. This needs to be updated to current or deleted now for fraudulent reporting activity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I send it to the financial institution that has the mortgage of my house and I send that paper the financial institution told me that my modfica- tion was rejected when the company that was already discussed above told me that my model was already approved so I am writing to you to please help me solve this case.

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 01/25/2017 about Mortgage (Conventional fixed mortgage) with PULTE MORTGAGE L.L.C. (NC).
Issue: Application, originator, mortgage broker

Complaint: I am utilizing Pulte Mortgage to purchase a new house in XXXX, NC and I am providing 20 % down for the loan. I am a XXXX employee that works for a company that does not have a dedicated office within the city that I reside. Pulte Mortgage has requested proof of employment and a copy of my pay stub so that my 'income ' can be utilized as part of qualification for the mortgage. Through my company 's HR department, I have provided to Pulte Mortgage a means to verify my employment and income ( which also includes copies of my pay stubs with my North Carolina address ). Pulte Mortgage has stated that since I am a XXXX employee, in a city where there is no dedicated company office, that they also require a letter from my company, on company letter head that indicates that I have been given permission to work XXXX in North Carolina. My HR department has indicated that this does not follow their standard employment and income verification process and as such can not be provided. I have requested from Pulte Mortgage a copy where this letter of XXXX employment would be a requirement for consideration of my 'income ' within the mortgage/loan process. Pulte Mortgage denied this request and indicated they are following XXXX guidelines ( even though this is not a XXXX loan ) and that they are using a Third Party for the loan. I would like documentation from Pulte Mortgage as to why the information that my employer provides to verify employment and income would not meet the Pulte Mortgage loan requirements to utilize my 'income ' as part of the mortgage/loan process. I would also like documentation from Pulte Mortgage as to why a letter on my employers letter head is required to prove I have been given permission to work XXXX, in a city with no dedicated office so that my 'income ' can be considered in the mortgage/loan process. Lastly, I could not find any documentation on line where XXXX specifically requests a letter for XXXX ' employees from their employers stating that they have been given permission to work XXXX in a state where there is no dedicated office. If this is a XXXX requirement, I 'd like to have a copy of this documentation and I 'd also like to understand how Pulte Mortgage can request this if I am not utilizing XXXX for the loan.

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 10-09-2017 about Mortgage (Conventional home mortgage) with ROYAL UNITED MORTGAGE LLC (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was contacted by XXXX XXXX of XXXX XXXX XXXX I gave her some information on XXXX XXXX she contacted me and said I was approved for the loan, but I have to get an appraisal for {$450.00} from this specific company that they go through for appraisals I told her I did n't have that type of money obviously looking at my income that is nearly half of my monthly income so she knew that I was borrowing the money she told me and the borrower on speakerphone that will be closing in two weeks and I would be able to give the money back, the appraisal company help my money for over a week and did n't do an appraisal within that time she contacted me and said I was denied and I asked about my refund she said she would talk to her manager the next day when I contacted her she said I was asked me if I was excited because I 'm approved they sounded different underwriter and not to worry so that day or the day after the appraiser came out of course to do the appraisal. XXXX had put somewhere in some paperwork that my house was worth {$90000.00} the appraisal came back for {$73000.00} I would have never estimated so high but somehow she came up with that *she also lied to me and told me that the APR was 4.7 when he was actually 5.6 for the proposed loan she actually lied to me twice and told me I was approved for the loan obviously because I 'm not, she misled me to believe I was approved, I did not have to agree to do the appraisal, had I known I was denied but she lied to me and told me that I was approved. Now she refuses to respond to correspondence in her company is not cooperating and giving me my money back. It 's already been a month she told me and the borrower that we will be closing in 2 weeks so I could give the money back with the cash out and it 's been over a month now, I still have to pay back that money to the borrower They Do n't Really Care that the loan did n't go through she said we will be closing in two weeks and so I was expected to pay this money back in 2 weeks unaware that being so misleading was part of professional courtesy. For now the law and compliance Department of XXXX XXXX mortgage is doing an investigation on recorded phone calls to see if she told me that she would give me a refund on my denial. It seems very condescending why would she make that type of insurance when she had told me I was approved? I need that money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I made purchases in which I paid in full. 6 months later I receive an attempt to collect on further purchases, which I did not make. The company, XXXX XXXX XXXX sold my debt to Midland Credit Management , Inc. Midland put this on my credit report before ever contacting me. I contacted them to advise them that I did not owe and that they were not following Fair Debt Collection, by putting a debt that I did not owe on my credit report, especially before notifying me that they were going to do such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2015 about Credit card () with U.S. BANCORP (IL).
Issue: Rewards

Complaint: I have XXXX US Bank XXXX XXXX XXXX ( Business and Personal ) between myself and my girlfriend. We paid annual fees for each card this year under the assumption that the current reward of " XXXX free night hotel when booked with points '' would remain active for the remainder of the year for which we paid the annual fee. US Bank is changing this effective XXXX XXXX, 2015 and removing this benefit. This is a deceptive bait and switch tactic, and we are no longer getting the value we paid for in the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi, On XX/XX/XXXX, a XXXX  store decievingly tried to sign me up for a branded credit card. That performed a hard check on my credit file that instantly lowered my score with all bureaus. I immediately contacted XXXX  and they admited to the wrongdoing, removed the hard check and and notified all bureaus. Following this, XXXX ( and I believe XXXX   too ) removed the entry some three months later. To this date, Transunion has not and on the call I had with them on Fri, XX/XX/XXXX, they lied that they can't remove the entry as they were not notified. I know that is false, as the other credit score companies already removed the false credit check. 

Transunion now wants me to obtain a letter from XXXX and send that to them as proof. I consider this request onerous and unecessarily complicated. 
I believe Transunion is affecting my credit worthiness with complicity and should compensate me for wrongly affecting my score for more than half a year. 

thank you for your help! 
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 05-07-2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Hi well flagstar was my bank they wouldnt modify my loan stated i didnt have enough income.I explain my income would go up in a few weeks They only added my income up and said i couldnt afford the morgage. I feel they could have did something to help me i had been in my home for 22yrs. and lost and walk away with nothing. Flagstar took the loan and 3 mos later is when my income drop thats why they said i couldnt afford the lloan. If i knew i could have come up with more income from a family member maybe i would had better chance. but they recommended nothing i feel im still intittled to something what a lost for me do u know of anyone to look further into my case. I was supprise to see they have to pay back so much money to consumers i wait for your response Much Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Medical) with Receivable Solutions, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company has been continually calling my house and I do not owe any money to them. Someone will call now and just breathe or not say anything on the phone. I told them two years ago to stop calling. I had a XXXX and my medical bills were paid through insurance, so I want the daily calls to stop. They have called everyday for two years. The company 's name is receivable solutions.

Company response to consumer: Closed with explanation