milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2015 about Debt collection (Medical) with Robinson, Reagan and Young PLLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recieved a letter from Robinson, Reagan, and Young in XXXX TN located at XXXX XXXX XXXX XXXX # XXXX, XXXX, TN XXXX. The letter said that I owed {$6900.00} due as a medical bill From XXXX XXXX XXXX. I called the firm and asked about this I said to them that I did not owe this amount and that this was a mistake. The firm said that I did and to call XXXX XXXX XXXX. When I called XXXX XXXX XXXX they told me that they could not find any debt in my name. So I called the firm/Collection Agency and they denied it, and told me to call again. So I called again and they again denied that I owed anything. So I called the firm again and they agreed that they would look further into my case. When I called them back they said that it was a mistake and that they would take it off of my credit Report. It has been about a month and a half and it has not been the case.

Company response to consumer: Closed
Consumer complaint received 01-10-2018 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Because of the market crash and my home value decreasing so that I could n't sell it for what was owed and other personal harships, on XXXX XXXX 2013 My home was foreclosed. The 1st lienholder XXXX XXXX received release from the 2nd Lien holder GMAC to foreclose on the property. After foreclosure the 1st lien sold the home for the full mortgage amount. I called GMAC the 2nd lien holder to see what would happen at that point since they did not receive money from the sale. They said they filed bankruptcy and wrote it off. Within the next year I started receiving calls from a company called XXXX XXXX XXXX who said the debt was sold to them and they are collecting it. XXXX XXXX XXXX is showing this debt on my credit as an open mortgage with late payments every month. I did some research and I found that legally GMAC should n't have sold the debt if they filed bankruptcy and wrote it off but even if it is okay for them to do that, the Collection company since they were not the original lien holder can not show this on my credit as an open mortgage with late payments every month and continued interest etc ... I have filed a complaint with the 3 credit bureau companies and XXXX refuses to do anything about how it is being reported ; however the other two have updated it. 
My complaint is against XXXX XXXX XXXX  and XXXX. Please help me in straightening this out. I understand the debt has to show on my credit report but at some point it will fall off but as long as it shows an open mortgage it will never come off and it looks like I am paying late mortgage payments every month and I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My mother XXXX XXXX in 2016, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with D. SCOTT CARRUTHERS (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was notified in  XXXX  I owed a debt from a personal loan of  XXXX  dollars. I made payment arrangements to the company of  XXXX  a month which wa s D. Scott Carruthes  a law firm in CA and I was told if I do n't pay this debt I will be sued and taking to jail. I was making these payments and decided to consolidate my debt through   XXXX   XXXX   in  XXXX  and they were confirmed through D  Scott law fi rm I owed  XXXX  and my payment would be  XXXX  towards the law firm every month. I recently wanted to know my balance as of today with   XXXX   XXXX   which they told me was  XXXX  left to this company. I call the company direct and they are telling me I owe  XXXX  dollars still because of interest and fees over the years. All I want is a correct amount to pay and set up payments or pay the  XXXX  in full and not deal with this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have XXXX items on my credit report that was n't opened by myself and I do n't have any knowledge of these account they were open during the time I was incararated. XXXX XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 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: XXXX XXXX XXXX billed charges initially to to the wrong Insurance company when they should have sent the bill to XXXX. Before they fixed that they sold their billing to a collection agency. XXXX XXXX submitted the bill to XXXX and was paid by XXXX. They subsequently sent me back a refund for the overpayment I had made. XXXX XXXX, the Collection Agency does not recognize that and is using Transition as muscle. I sent All three reporting agencies the details and XXXX along with XXXX fixed the problem. TransUnion did not do anything with it and continues to report negative collection information. XXXX XXXX refuses to acknowledge any facts.

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 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX emailed me that I have a account in collections on my credit report, I called the collection company and explained the debt is not mine. I then called the company that sent the info to the collection company and have no gotten anywhere in over a month.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  signed reaffirmation agreement for mortgage ...  XXXX   XXXX .    XXXX  called  XXXX   XXXX  for another reaffirmation agreement. I received it in late  XXXX  and sent it back to them. They said it took long to receive and the debt was now discharged. My bankruptcy papers show where I am reaffirming my mortgage and my car. It 's listed on page  XXXX .    XXXX  asked Equifax to investigate and sent them proof of payments and BK information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (NY).
Issue: Managing the loan or lease

Complaint: While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry initiated XXXX PNC BANK on XXXX XXXX. I did not authorize employees of PNC BANK to review my credit report at any time. This action is in clear violation of my FRCA and Privacy Rights. I have requested that PNC BANK provide me with any documentation to validate this inquiry within 5 business days and they have failed to do so. I am requesting that PNC BANK contact XXXX and/or All credit reporting Agencies to permanently delete this adverse information from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Other debt) with I.C. System, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted by IC System ( Debt Collector ) about a {$40.00} debt that was owed to a Cable provider ( XXXX ). They had the wrong address on file and had an incomplete last name and wrongly spelled first name on file. They said I owed a debt from XX/XX/XXXX but said the actual amount was for equipment in XX/XX/XXXX. I did not use any cable equipment in XX/XX/XXXX. I contacted my cable company ( XXXX ) and they said they do not see any outstanding charges under my name. I believe this may be someone else 's debt because the address was wrong and the spelling was off. I am worried about my credit score and will be taking appropriate steps to contest this charge. I do not understand why I am being notified about a debt date marked as XX/XX/XXXX but it references XX/XX/XXXX equipment. Account number referenced was 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 04/20/2017 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Billing statement

Complaint: I have a credit card  ( visa ) w  ith Wells Fargo Bank  and my statements are reflecting  XXXX  different interests charges that I must pay otherwise I will never get out of debt with them! I had gone paperless since  XXXX  and it was n't until a company known as    XXXX   XXXX    XXXX  th at I realized I was being charged a fee each month for insurance that did not apply to me, so I requested all of my statements from  Wells Fargo. I  was told that my minimum payment was calculated : Interest rate times new balance plus 1 % of my new balance and when charged additional interest its calculation : Interest rate time my average daily balance.   Since I have not charged on my visa since   XXXX   XXXX   XXXX   my minimum payment and my  Interest  charged are still running neck to neck in which that would be the case since my balance is being charged interest twice! In order to get my visa lower I have to add additional monies in which will thereby would lower my principle balance! Right now I have interest charge d by Wells Fargo Bank o ver {$5000.00}. I am trying to find out if  1.Is this legal and 2. If not would this be classified under RICO?

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: This is my o ver 20th time  in trying to clear this up. Equifax has me held hostage. They claim they have fixed this problem f or over two years, and I still ca n't access my credit file. I 've attached two documents. 1 from   XXXX   XXXX    where I was denied credit since I could NOT lift my security freeze a nd 2 a nother le tter ( same one sent over a year ago ) telling me  everything is fixed. It is not. When I attempt to lift the freeze, following the prompts, entered my SS # and # 's of my address response : we are unable to match the records.     An attorney is my next step. Class action lawsuit? I can not access my file to lift the security freeze and have NOT been able to do so  for over two years now. When will this be fixed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Mortgage (Conventional home mortgage) with Cavalier Mortgage Group (VA).
Issue: Struggling to pay mortgage

Complaint: I am receiving letters that are addressed like they are from my lender, however, they are really from third party companies phishing for people to sign up for a loan protection. Not only are the letters worded as though they are from or on behalf of the lender ( misrepresentation ), they also include specific information such as the exact loan amount which I find to be a breach of personal information.

Company response to consumer: Untimely response
Consumer complaint received 10/25/2016 about Debt collection (I do not know) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive phone calls from a company at XXXX. They identify themselves as Acme Debt Collector. They are looking for a person by the name of XXXX. I have explained to them that it is the wrong number. I have asked them to remove me from their calling list, however they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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: First ... ..I am at an ABSOLUTE LOSS AS TO WHY EQUIFAX HAS BEGAN PLACING MY FULL SSN ON THEIR REPORT ... ... .This is something VERY NEW ... .and AMIDST ALL their " PROBLEMS '' You would think they would not do that ... ... so MY FIRST COMPLAINT is ... ... STOP PRINTing my entire SSN!!!!!! Next is I received in the mail that they have verified a fraud account as accurate ... ... .that 's great ... ... not only does Equifax continue to show XXXX XXXX as valid although it is not ... ..Equifax now reports an imaginary account that they wrote as a " charge off '' ... ..amazingly has given itself! How is this account open????? Closed? Charged off????? It 's not mine!!!!! Is this how they plan on treating all the people they allowed their data to be breached???? .Because of course Equifax is aware that ANY ONE can simply " access info ''. A computer can not verify who you are. So Equifax ... ..send me your DOCUMENTS!!!!!!!!!!!!!! You are telling me this make believe account is " verified '' ... not because of a papertrail, but because my name was placed into a computer program.Is this how Equifax plans on handling their recent breach ... ..All names and birthdates of victims will be deemed " verified '' on a bunch of fraud accounts Equifax helped to create ... .... Real nice of you to have consumers holding the bag ... ... for your lack of security.!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Student loan (Private student loan) with AES/PHEAA (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: A few weeks ago (X/XX/2017)) I got a letter from a collection agency telling me that my creditor for my student loan wanted the full amount that I owed them. The last time I heard from this company was in XX/XX/XXXX stating that I owed them $XXXX, which I paid. I have also been paying them regularly ever since. The letter told me that the account was placed in collections on X/X/2017, however I never received any written notification (either by email or regular mail) of the company's intent or options available to me to collect the money owed to them. The letter doesn't even tell me the original company that gave me the loan, therefore I cannot even contact the company to talk to them about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: BEWARE OF XXXX XXXX 'S PUSHING THEIR CREDIT CARDS ON UNWARY CUSTOMERS! Speaking as such a customer as well as a consumer economist, I found that they claim instant issuance of a credit card, whereas my wife and I stood in line for a half hour, early in XXXX of XXXX, while our frozen groceries melted -- only to be told that we would get a letter in the mail, which took weeks to arrive! We had just moved to XXXX XXXX and Target declined to issue us a card for that reason, whereas we got cards instantly from XXXX and XXXX. Target  store staff fail to mention the truth about their cards, making it seem that newcomers have no problem being approved, and that the cards are issued instantly -- which is a bald-faced lie. Try entering a Target store, and the " greeters '' corner you to push their cards, as do the checkout staff too. These high-pressure tactics lead unwary consumers to apply for a Target card, but be denied. 

FURTHER, writing to their corporate officers -- including XXXX XXXX XXXX and their top media staff -- does not even merit a response. Target does not even reply to customer service complaints, on their own comment form! Target top staff are high-handed, heavy-handed, and do not honor their own corporate responsibility statements. Target compounds injury ( by lying about their card issuance ) with the insult of non-response. Given their pious statements of respect for their customers and customer rights, this firm behaves abusively & does not deserve customer support. A full investigation of these abusive practices and misrepresentation is quite overdue! 

Ps. By way of background, I am a consumer economist who helped former XXXX XXXX XXXX XXXX write the original CFPB legislation, and who also advised your first XXXX XXXX XXXX. I am proud to have helped the XXXX people by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Checking or savings account (Checking account) with U.S. BANCORP (KS).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I deposited a check for {$7600.00} on XX/XX/XXXX to my business account at US Bank. During that visit I made sure to get the teller to confirm I filled out the check correctly, she confirmed it was fine and that I would have access to the money the next day. XX/XX/XXXX I submitted a transfer from my bank account to pay off my US Bank credit card, which was {$1200.00}. XXXX XX/XX/XXXX I noticed my bank account available balance was - {$1100.00}. I called and was told the USBank XXXX department had put a hold on the funds for an unknown reason and I would n't have access to the funds until XX/XX/XXXX. Today I stopped by the US Bank branch and talked to them, ( the teller had to clear her breakfast from her desk as I approached ) I asked if they could cancel/reverse the payment to my USBank credit card so my checking account would n't be overdrawn. I wanted to only make a minimum payment to keep the credit card account in good standing and not have a negative on my checking account. I also explained the {$7600.00} check had cleared my other account, so why had n't US Bank released the funds for my account. The teller said she did n't know if the credit card payment could be reversed, she would have to call the credit card department. She then went to talk to another teller and came back to say they would not reverse the credit card payment and they would not release the funds for my account. She said they would work with me on fees assessed instead. She never made any calls to the credit card department or anything .... But I guess she was able to get back to that breakfast sandwich.

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 08/23/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (ID).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a lower interest refinance from Bank of America. I was turned down. The only answer I was given on the phone was I made too much money for my area, which is XXXX, Idaho. My interest rate is 8.375 %. My house payment is {$830.00} a month. My credit score was good. I am on Social Security, my only income, and earn {$1700.00} a month. After being turned down, I was not eligible to try somewhere else. I am still paying my mortgage to Bank of America. I do not think that President Obama knows how the big institutions are still ripping off the middle class. Someone needs to go over the loans that were turned down and see if B of A is still ripping off consumers.

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 04-12-2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (MI).
Issue: Trouble during payment process

Complaint: The bank foreclosed on the home in 2007 and sold the home to a different person. Now, all of a sudden, I received a bill. ( Please see attached. ) When I attempted to resolve it, the operator said I was obligated to pay it in full. I explained that I lost the house over a decade ago to foreclosure. 

This is predatory debt collection practice.

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 04/28/2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (TN).
Issue: Trouble during payment process

Complaint: I received a late property tax notice with late fees attached on   XXXX   XXXX   XXXX  . I tried to call Fay Servicing , LLC that day and also emailed them. Since then I have sent numerous emails and called several times. I get a random account manager who directs me to leave a message with my assigned account manager. I ALWAYS have to leave a voice mail. The  XXXX  time I reached her on    XXXX   XXXX   XXXX    she stated she would investigate and call me back the same day. Never heard from her. I have attempted twice since then to have anyone call me back, no one has. This is supposed to be paid out of my escrow account, which they have. On   XXXX   XXXX   XXXX   another late fee will be assessed. This is mishandling of funds. I have checked with the tax assessor and it still has not been paid. There have been  XXXX  emails sent to  Fay Servicing  and several voice mail messages left. The one time I spoke to someone they stated it was paid on time in    XXXX   XXXX   XXXX   The   XXXX   XXXX   Tax assessor stated it has not.

Company response to consumer: Closed with explanation