milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The debt was placed on my account XXXX 2015. I am currently in the process of reviewing my credit and came upon the debt on my credit report. I was not informed in writing of this debt before it was placed on my credit report. I contacted the collection company ( Enhanced Recovery ) and they could not validate that this debt was mine and they also refused to remove the debt from my credit report as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: This complaint is about maintenance fee being charged on checking account by Bank of America. Recently, since last 2 months or so, BOA changed how to charge maintenance fee. Checking account information clearly mentions that a monthly fee will be charged for checking account if average monthly balance is less than {$1500.00}. However, since last 2 months, BOA has started charging monthly fee when bank balance is less than {$1500.00} even for one day and your monthly average balance is more than {$1500.00}. When you complain, they will give you credit but have not changed their method/algorithm to calculate monthly fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Credit card debt) with Suttell, Hammer & White, P.S (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT SINCE IT WAS A SHARED BANK OF MAILBOXES AND SOME FRAUDULENT ACCOUNTS LISTED OUR OLD ADDRESS. UPON RECEIVING SUSPICIOUS FOREIGN BILLS AND COLLECTION NOTICES AT OUT NEW ADDRESS WE PULLED OUR CREDIT REPORTS TO SEE WHAT WAS GOING ON. WE DISCOVERED IDENTITY THEFT AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES. INDEPENDENTLY WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE ID THEFTS/FRAUDULENT ACCOUNTS, NOTIFIED ALL THE APPROPRIATE CREDITORS VIA CERTIFIED MAIL, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE XXXX XXXX XXXX XXXX AS WELL. ALL OF THE CREDITORS OF THE FRAUDULENT ACCOUNTS EXCEPT XXXX XXXX AND THEIR COLLECTION AGENCY SUTTELL & HAMMER HAS HONORED OUR IDENTITY THEFT REPORTS AND OTHER CERTIFIED DOCUMENTS. THEY CONTINUE TRYING TO COLLECT ON THIS DEBT DESPITE ALL OF OUR NOTIFICATIONS AND NOTARIZED AFFIDAVITS THAT THIS DEBT IS NOT MINE. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS THIS FRAUDULENT XXXX XXXX ACCOUNT XXXX BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED BY THEIR COLLECTION AGENCY ( SUTELL AND HAMMER XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ). 2 FRAUDULENT XXXX XXXX ACCOUNTS WERE OPENED IN MY NAME AND LISTED ON MY CREDIT REPORTS AND ID THEFTS AFFIDAVITS. ONE WAS DELETED WITH NO ISSUES YET THESE ORGANIZATIONS REFUSE TO HONOR THIS FRAUDULENT ITEM. *****IN ALL OF MY REPORTS FILED I HAVE NOT LISTED ANY INCORRECT FACTS, I HAVE NOT MISTAKENLY FILED A REPORT, AND I HAVE NOT BENEFITED FROM ANY OF THIS FRAUD. ******

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I rec 'd a letter on XXXX/XXXX/15 from TD bank informing me that the bank was to begin charging {$4.00} monthly fee on my XXXX account on XXXX/XXXX/15. I am appalled that a bank would begin charging fees before contacting me and allowing a period of time to move my funds if I were to choose to do so to avoid the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: Paid off loan in XXXX 2012. After multiple attempts have yet to receive my title or a lien release letter. Was told the original was " lost in the mail ''. Now I am expected to replace a title already paid for once and wait until Ally Financial decides it 's convenient for them to send me my documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Vehicle loan or lease (Loan) with Michael Wayne Investment (NC).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: The Loan Contract Documents in the Auto Loan # XXXX was predatory / fraudalent/ and deceptive in requiring me to pay close to {$400.00} a month on a XXXX yr old car with a GPS tracking device discontinued by the Original Manufacturer ( XXXX ). & on page 5 the contract clearly states that I am not responsible to pay any amounts over the legal finance charges and interest rates

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 Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I received a letter dated XX/XX/XXXX from my current mortgage company ( Nationstar Mortgage, also known as Mr. Cooper ) that my mortgage will be serviced by XXXX XXXX XXXX   effective XX/XX/XXXX and that they will stop accepting payments on XX/XX/XXXX. This violates the 15-day notification rule 1024.33 ( b ) ( 3 ) ( i ). Also, I received the second letter on XX/XX/XXXX, dated XX/XX/XXXX that my ACH transfer for the month of XXXX will take place around XXXX business days after XXXX/XXXX/XXXX and that my account will not be assessed a late charge fee, but they do not say anything about interest charges that might be assessed by XXXX XXXX if the mortgage payment is processed this late in the month. Also, I logged in to my new XXXX XXXX Mortgage account online, but I do n't have an option to make a payment on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Medical debt) with Bonneville Billing and Collections (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Worked with billing processor for 3 + months to resolve balance. XXXX sent by check from XXXX  XXXX account which was not applied to correct account. Biller did not send claims to insurances based on coordination of benefits. Took all info into dental office to assist employee in billing claims properly. The {$1500.00} the insurance sent was received by dentist office but not applied to the correct account nor were the claims billed to primary, secondary and health savings account billed in the correct order based on insurance guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is against Nationstar Mortgage LLC DBA Champion Mortgage. On XXXX XXXX, XXXX, my husband and I paid off our Champion Reverse Mortgage loan by refinancing the loan with a forward mortgage from a XXXX XXXX. We ( my husband and I ) took out the reverse mortgage in XXXX because we were not able to get a forward mortgage from any bank. We received a lump sum payment from the original lender ( XXXX Mortgage ) and made payments every month to XXXX Mortgage and then subsequently to Champion Mortgage to keep our total loan balance from growing exponentially. Even though payments are not required on a reverse mortgage, we opted to make payments. Our payments consisted of interest, and mortgage insurance premiums, with a letter attached explaining how we wanted our payments applied. In XXXX we had to file a complaint with the CFPB regarding our XXXX form for XXXX, we filed a complaint again in XXXX regarding our XXXX form for XXXX, and now again in XXXX we are filing a complaint regarding our XXXX form for XXXX. I sent a letter to Champion Mortgage on XXXX XXXX, XXXX ( 4 months after payoff ) asking for answers to several questions ( copy enclosed ). I received an incomplete response around XXXX XXXX, XXXX. On XXXX XXXX, XXXX I received the XXXX form for XXXX, and it is wrong again! On XXXX XXXX, XXXX I emailed the Customer Relations person at Nationstar Mortgage ( copy of letter emailed enclosed ) requesting a new corrected XXXX form. 
Since Champion Mortgage has all the documentation they need to produce a proper and correct XXXX form for me, there is no excuse for their delays and untimely responses. Maybe when they receive this complaint from the CFPB they will respond appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an XXXX collection from XXXX for {$820.00}. I refused to pay the original amount to XXXX because it was for internet service that i asked to be disconnected on my kids cell phones. Somehow my 10 yrs activated the internet service on the phone and i was charged around {$200.00}. 
I disputed the charges but XXXX XXXX XXXX refused to remove the internet. I immediately cancelled the account. The bill was sent to collection. 
in XXXX XXXX i received a collection letter from XXXX XXXX financial systems for the amount of {$820.00} and i was offered a 50 % discount to settle the debt. I took on their offer. 
I paid {$410.00} with my visa XXXX XXXX XXXX card on XXXX XXXX. 
I have proof of the payment, i have copy of their original letter. 
I never received proof of payment nor the settlement was reported to any credit reporting agency. 

Now for the last two years i have been receiving collection letters trying to collect the remainder of the original debt. SCAM. 
I have been receiving collection letters from COMMONWEALTH FINANCIAL SYSTEMS asking to collect {$410.00}. 

To me this is illegal, I try to reason with them but to no avail. 
Please help. 

1 ) i am sending proof of original collection letter with offer of XXXX % discount. 

2 ) proof of payment. XXXX XXXX XXXX card statement. 


3 ) latest collection letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Commonwealth Financial Systems has once again placed an unsubstantiated collection on my credit reports in the amount of {$57.00}. This is the 6th time that this fraudulent account has appeared on my credit reports and the 4th time that Commonwealth Financial Systems has reported this false information. Each time they change the account number reported to the credit bureaus. I have proof of sending certified letters to Commonwealth Financial Systems denying their allegations and requesting evidence of their claim. In all cases, Commonwealth Financial Systems ignored my letters and has refused to provide evidence of their claim. This fraudulent collection was reported in the past by other collection agencies as well. XXXX XXXX XXXX, XXXX & Northeast Credit have also reported this false collection in the past. It took assistance from the Attorney General 's office to get them removed from my reports. The credit bureaus have also removed this false collection placed by Commonwealth from my report multiple times. I have kept all correspondence and evidence of my complaints with the Attorney General as well as credit reports showing that this fraudulent account was previously deleted multiple times. I have had to place a fraud alert on my credit reports because this continues to occur. It is horrifying to see that Commonwealth has well over XXXX complaints with the CFPB. I have filed new complaints with the Attorney General of XXXX as well as the XXXX Attorney General & the XXXX. I am also filing a complaint with XXXX XXXX for code of conduct violations. 
It is my prayer that the CFPB will take action against Commonwealth Financial Systems to stop their continued abusive, deceptive and illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this information Portfolio Recovery and have received no response from the company. Instead, they have updated the account as current and continue to report derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/15 my car was broken into at a park in XXXX XXXX ( XXXX, FL ). The thieves took my entire purse/wallet which held my license, Chase, XXXX XXXX, XXXX XXXX XXXX XXXX, insurance cards, car registration etc. Police report was filed ( XXXX, XXXX XXXX ). I immediately called my card companies, XXXX XXXX being 1st, then Chase. Chase was notified that both my Temporary card and inactivated debit card ( I had just received it ) along with wallet and everything was taken. Employee told me she canceled both cards and would not be able to send a new one via mail due to my account being relatively new. 
Friday XXXX/XXXX/15 my new XXXX XXXX card arrived and I called to activate it, XXXX I went to do groceries, new card declined - I called XXXX and they notified me they had an imposter at the bank earlier the same XXXX & the XXXX took ID and Card, ( @ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, Branch XXXX : XXXX XXXX XXXX ) - she advised to check other ACCTS I had in wallet. Immediately checked my Chase app and remaining balance was {$0.00} ( they withdrew {$750.00} from my account ). I immediately called Chase, told them everything ( how I found out via XXXX XXXX etc ) and filed a claim ( CLAIM # XXXX ). I was told to call back for address of branch when " transaction processed '' - Saturday morning ( XXXX/XXXX/15 ) .. I checked Chase APP and it was processed, called back claims department for branch address where withdrawal occurred ( @ CHASE, XXXX XXXX XXXX XXXX XXXX FL XXXX ). To my surprise, even after both incidents my account STILL HAD NOT BEEN FROZEN for my security/protection.. until I called back XXXX Morning ( even after calling regarding information theft on XX/XX/XXXX and imposter on Friday XX/XX/XXXX ). The freeze did not take place until XX/XX/XXXX. On Friday XX/XX/XXXX I called to see the status of my claim and status of the credit to my account - to my utter shock I was told my claim was DENIED, a FIRM DENIAL ( wont be reversed ) due to " My lack of care ''? I told them XXXX banks were provided same information, same day and how could this be.. not to mention the LACK OF CARE on THEIR/CHASE part that they did not FREEZE my account or put an ALERT when I called with information regarding THEFT and SUBSEQUENTLY with a claim that they had an IMPOSTER which withdrew all my funds. I cant fathom this is appropriate? We do not live in a corrupt 3rd world country, where are the consumer/customer rights? Where does the line cross where the institution is negligent and acting inappropriate and against the proof where everything is documented? Phone calls, police report, XXXX banks with same information same client with different actions? Please let me know what can I do from here. Whether it was {$50.00} or $ 1500+ its the principle that Chase is not abiding by what an insured Bank claims to provide. I am in utter shock of this decision and the events that led up to this writing. I hope to hear from you soon -

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Starting in XX/XX/2013, someone used my name and my address to create checks, and a fraudulent checking account. I filed a complaint with the FTC ( ref. XXXX ) and a police report ( RN. XXXX ). I recently found these checks on my credit report which does not belong to me.

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 01/17/2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (AA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened a NAVY FEDERAL BANK ACCOUNT CHECKING SAVINGS MONEY MARKET I HAVE NOT RECIEVED MY MAIL APO OR A DEBIT CARD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do not have a contract wit h Enhances Recovery Company in the amount of {$1000.00}. I am not liable for collection of this debt from  XXXX    XXXX   XXXX . I am not responsible for this debt and would like it removed from credit report!! I have been contacted by this agency on numerous cases threatening me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Initiated credit freezes at all XXXX bureaus in XXXX of 2015. 
Equifax and XXXX now require a form letter and ID to be sent via mail to receive the free credit reports. XXXX still provides the report online. 
Equifax and XXXX are being punitive since I initiated the credit freeze.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2015 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased visa gift card labeled as debit from giftcardmall, but they are sending product incapable of handling debit transactions. 

The major issue is that this specific debit product I received does not come with PIN ( in violation of federal reserve board regulations ), therefore, it can not be processed as debit card even though it has the word of DEBIT on the card. 

Additionally, they deliberately mixed the " terms and conditions '' of different products ( issued by different banks ) for the same item, so that consumers are unable to tell which product we are actually purchasing. 

The terms and conditions page for the item : XXXXXXXXThe terms and conditions page for XXXX product : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: wanted to see if I qualify for any type of loan forgiveness or reduction s of any sort

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my XXXX and XXXX credit report, A collection agency is reporting a debt ( {$44.00} & ) that was included in my bankruptcy as collection accounts and money that I still owe. My  bankruptcy was discharged XXXX 2011. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Since I blocked there number on my phone, ( they use XXXX different numbers ) I have received over XXXX calls. Sometimes up to XXXX times a day calling me. If I pick up and hang up they will turn around and call again. Last Monday XXXX XXXX they called me at XXXX, XXXX and again at XXXX. Along with every day of the week they constantly call me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have used Equifax services in the current year of XXXX to provide a credit report for a loan. Equifax, for its incapability of holding onto my information and personal identity safely is a danger to me and my mother 's credit which is an important asset to our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (RI).
Issue: Loan servicing, payments, escrow account

Complaint: I performed a re-finance of an existing mortgage with Quicken Loans. Two months after the closing, Quicken sold the mortgage to XXXX XXXX. I do not want XXXX XXXX to be my mortgager. Is there a process that I can go through to stop this transaction?

Company response to consumer: Closed with explanation