milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2015 about Debt collection (Payday loan) with EMPIRE MEDIATION SERVICES LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On Wednesday XXXX XXXX I recieved a phone call from a supposed process server that works for empire mediation services. He told me papers were going to be delivered the next day that I needed to sign. That a summons was being delivered. He left a phone number for me to call to resolve the situation BEFORE the papers were delivered. The number was XXXX. I called the number and they were trying to collect for something that was paid. The company goes under a few different names so I emailed them what I had. They emailed me Nd told me I was scamming them and it was not pAid. The man called me a liar. I told him my attorney would be in touch. I asked him for his address and he would not give it to me. Then he tells me he is n't speaking to me any more because I said I had an attorney. But then the next day he emails me again!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I vacated " XXXX '' before the lease expired. I gave 60 days written notice as requested. When I received the final bill from them, they charged me {$1100.00} for improper notice. They also charged me {$200.00} for final water bills. I was current with rent and water at move out. My water bill never exceeded {$35.00} per month and I hand carried the 60 day signed notice to the apartment manager. I have a copy of this notice. I requested copies of the " final '' water bill and disputed the improper notice charge. No proof or copies of the water bill were ever sent to me and no reply was sent about the improper notice charge. They just turned it over to ProCollect in XXXX, Texas and they promptly listed the charges on all XXXX credit bureaus. After disputing this collection with all credit bureaus, XXXX XXXX removed it. XXXX and XXXX did not. ProCollect has not yet sent me requested proof of the the above documents. 

I am now filing a law suit against ProCollect for reporting false information on my credit report.

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 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with First Data Corporation (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: To whom it may concern, I am bringing this attention to your office regarding an open account # XXXX from XXXX XXXX that I strongly believe was a fraudulent account under my name. The letter content my name and informing me that I open an account and has been upgraded to premier account. 

I tried to contact the customer service but it prompt to enter my social security number so I decided not pursue it. I never sign for the company. I found out that there so many people that filed a complaint against this company. 
The company named is XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX FL XXXX. 

Thank you for immediate attention regarding this matter. Should you have any questions, feel free to contact me at XXXX. 

Sincerely, 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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX a hard inquiry was reported on my credit report from Syncb/walmart and another was reported on XX/XX/XXXX from XXXX/XXXX. I have not applied for credit from either one of the companies. I contacted XXXX to inform them of the error and to ask them to remove the inquiry from my report. As of today, I have not received a reply/response from XXXX. Both of the inquiries were based out of XXXX, Florida. I do n't want to wait 2 years to have it dropped off of my credit report. 

I do n't have any additional information of these accounts to present to you, but I can just show you what is displayed on my credit report. 
XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Thank you for your assistance.

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 04/20/2015 about Debt collection (I do not know) with Allied Interstate LLC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX of Allied Intertstate has been calling for XXXX straight business days beginning on XXXX/XXXX/15. I XXXX at a high school and she keeps calling me at the school. I have no outstanding debt. I called her back on XXXX and got her voicemail. I left a message stating that I had no outstanding debt and told her to stop calling. The same thing happened about a year ago. She called my work again today and left another message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against COMMONWEALTH. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3XXXX informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have submitted a Complete HAMP Loan Modification Package to Wells Fargo on XX/XX/2016, through my 3rd Party.Wells Fargo received the XXXX Page submission on their Fax No. : XXXX. They confirmed receipt of this Package.I am attaching a copy of the same, for your ready reference. As you can see from there, I am fully eligible for a HAMP Loan Modification. 
However I am surprised to learn today that Wells Fargo declined my Loan Modification saying that : " There is no change in my financial status '' What do they mean by that? Do they want me to lose my job or what? First of all I was never reviewed for HAMP and I am told there is no such condition in HAMP. Are they free to do whatever they want? Have n't they signed up for HAMP and if so, is there no regulator who is overseeing them, for the proper implementation of HAMP guidfelines?

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 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 07/27/2017 about Debt collection (Other debt) with EQUIFAX, INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Equifax is reporting a debt that I asked them to validate to no avail. A medical collection account # XXXX for {$210.00} It does n't even show who its from nor the name of the collection company. Please show me the contract bearing my signature, the last payment is incorrect and the amount is inaccurate. I 've asked this account to be removed previously according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a letter at my residence in XXXX, XXXX via my employer ( XXXX XXXX ) that I would have my wages garnished for a debt. I reached out to my employer for more information however they were short with me. I made several attempts to the court however they were no help. I would have physically went to the courthouse however I live in XXXX and the court house was in XXXX XXXX, XXXX. I was never notified by the debt collector ( Asset Acceptance ) or court formally at my residence in XXXX. To make matters worse they took me to court in a state that I do not reside. The debt was paid in full however they refuse to remove it off my credit reports. I still to this day do not know what the debt was for. The case number at the court house is XXXX and the XXXX XXXX XXXX XXXX XXXX. The county is XXXX County, XXXX XXXX, XXXX. I have also included my XXXX XXXX license to prove I got it issued on XXXX/XXXX/2008 once year prior to the Judgement issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I have filed police report on XXXX/XXXX/XXXX, case n. XXXX, I was called by TD bank Fraud department that my TD bank card was being use and they closed the account. I was asked to open a new account and I was able to dispute the charges from account # XXXX during this period I was still fighting with TD bank car loan service, I was asked to go to local branch to talk to someone about late payments or missing checks. I requested payment record from XX/XX/XXXX to XX/XX/XXXX, I was told by the bank that the only things will be provided is bank statement, not copy of checks. if I want copy to be included I must pay them each check. I did not agree on paying for my own record while they continue to miss credit my account. On XXXX/XXXX/XXXX, I did filed an other police report due to scammer. case # XXXX. TD-bank account number # XXXX This account is closed by TD-bank. Since I 'm not getting any where with TD-bank car loan department and both of my checking are now closed, I 'm demanding that DT-bank must provide me with every checks I wrote to pay for my car loan payment. I want pictures of front and back of each checks so I can compared with my External account see what the evidence will lead me to. I will not pay TD bank any fee for me to be able to have my personal bank records. Since I purchase this vehicle I received payment slips at the binning of XXXX since that time I never received total payments subtracted from the original balance, but they continue to claim that I have late payment. as you can see a copy of letter submitted yesterday with all checks from XX/XX/XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX, still never subtracted. I want all checks record before I can hired a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have written to all XXXX credit report agencies and to XXXX XXXX over 90 days ago regarding a credit card issued by them that is currently been reported on my credit report. I am still waiting to get a respond from them. I need this to be removed from my report because of the negative impact it is having on my report. In my letter to XXXX I asked them to provide me with a proof that I open this account. I have not receive a respond from them. I need this item to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion XX/XX/2018 File # XXXX XXXX XXXX I gave Transunion copy of application that XXXX XXXX gave me. The application had a different middle initial than mine. Transunion have been given proof that the account is not mine and still will not take it of.

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 09-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (ID).
Issue: Loan servicing, payments, escrow account

Complaint: I had a payment of {$53000.00} sent overnight to Nationstar Mortgage , LLC. THe addressed used was the address on the website to accept overnight payments. It was received by their mailroom at XXXX on XX/XX/XXXX. After more than two hours over the last two days they still have not been able to tell me anything about this payment other than to ask if my check had cleared my account. I tried to remind them that this was a cashier 's check not a personal check. Today the call began approximately XXXX and ended at XXXX. I repeatedly asked for a supervisor, was promised I would be connected " now '' numerous times over a 30 minute time period, to a XXXX XXXX ... I was transferred to hold music and finally a XXXX XXXX answered. She finally took me up on my oft repeated offer to send a copy of the cashiers check and XXXX waybill to help her research department. She said it could take 7 days. This payment was to reduce the loan balance below what the net proceeds are for the sale of this home. If this payment is not applied the sale of the home could be cancelled. The title company handling the sale is waiting to hear that the payment was applied but soon the time limit for completion of the required paperwork will expire. The sale is to close XX/XX/XXXX. She verified that she had received the email containing the payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 began disputing these items with Trans Union, XXXX and XXXX beginning on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

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 01/15/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX and I currently live at XXXX XXXX XXXX XXXX and about 3 years ago I lost my job. Well I was concerned and call PNC which is my current mortgage holder, and asked them if I can apply for a loan modification. Well after the 5 time trying I hired a lawyer, XXXX XXXX, out of XXXX IL to help me work with the bank. Well I 've been paying the lawyer about $ XXXX {$600.00} a month, because that is what he required, to help me settle something affordable. Well now I have sheriff 's coming to my home to evict me, without paperwork handed to me, social workers not willing to give me advise and the bank whom will not answer any of my calls. I have a wife with XXXX, my XXXX year old father-in-law, my daughter and her XXXX year old son. We have no date as to when to get out and again no paperwork or answers. I have tried calling PNC to see if I can rent out my home, nothing. i asked them where did the money go, nothing. I need answers please! We currently have the XXXX looking into XXXX XXXX to see what happen to all of my money that was supposed to go to fighting for our home. Then we find out it was sold, then sold back to the bank. No paperwork telling us what was going on and to top it off the lawyer never wanted to meet with us and or talk via phone, it was always " text me '' WHAT? And now we are losing our home. Why wo n't PNC tell us anything? Please help. My account number for our PNC mortgage is acct # XXXX and my contact number is XXXX. When the sheriff 's came they never gave us any eviction notices, we did receive a default but forwarded that to the lawyer. Again I do n't know when the sheriff 's are coming back and me and my family are not ready for this. PNC is the worst and I ca n't believe after several attempts to try to work with them they tell me well you ca n't afford it!

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian credit reporting has failed to update my credit report in a timely manner of all inaccurate and negative comment account information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I XXXX XXXX submit this complaint against Bank of America for failure to modify my Home Equity Line of Credit according to my XXXX mortgage modification, whereas I 'm unable to afford XXXX payment. My home right now is only worth about {$250000.00} my XXXX mortgage balance is {$240000.00}. which was modify under the making home affordable program. My XXXX lien balance is currently {$560000.00} my income can not meet XXXX payments at this current level. I filed a discrimination lawsuit against Bank of America in XXXX Court the judge granted Bank of America summary judgment. I lost the case, due to this reason I believeBank of America is refusing to be fair with me the reason they want give me an affordable modification payment. I really wants to keep my home at this rate with XXXX loans I really do n't know how I can afford it. Right now I feel like I 'm lock in this loan forever. It 's no way I will be able to refinance this loan. Please Help!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Credit card debt) with Nelson Cruz & Associates LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XXXX XXXX, I received a phone call from Nelson Cruz and Associates, advising that if I do n't pay taxes on an old debt that was written off over 7 years ago, that they would garnish my social security wages and freeze my credit cards and bank account. They represented themselves as being associated with the IRS. The total they were looking to receive was {$1700.00}. I was not home at the time of the phone call, so I called them back and they started threatening me. I was not going to pay them, since the initial debt was written off, but they kept calling and harassing me to the point that I gave them a credit card to pay this debt. When I realized what I had done and that this was a scam, I called my bank ( XXXX ) to put a stop on the payment, and they froze the account. They later unfroze the account and made payment because they found out that I had unwittingly given them my account information. I spoke to XXXX Bank fraud department and they told me that I was not informed of my right to cancel under the cancellation refund policy and I should make a formal complaint against the company. 

I made this payment under duress, since I am living on a fixed income and could n't afford to have any of my income frozen. I am, therefore lodging a formal complaint and am looking for a refund of the {$1700.00} from this company that should not have been paid in the first place. 

Please look into this and advise how I can proceed. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Advertising and marketing

Complaint: I applied during XXXX 2016 for a XXXX XXXX sponsored XXXX with Chase bank, which offered various incentives for enrollment to include an {$0.00} introductory fee for the first year, then {$95.00}. I received a statement charging the annual fee for {$95.00}. Chase needs to do a review of all their online offers, because they all continue to offer the {$0.00} introductory fee on Visa cards. It is impossible to believe that my online offer is different from the rest. Attached is the pricing and term for my Visa card.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Medical) with Tormey Bewley Corporation (NM).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Violated HIPPA Laws disclosed private medical information

Company response to consumer: Closed