milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a phone debt in XX/XX/XXXX from XXXX XXXX. XXXX called and told me that I had a debt in my name and that I needed to pay it off in a month. The balance was satisfied on XX/XX/XXXX. I called XXXX and they said they have forwarded the debt to Jefferson Capital Systems and now there is a duplicate collection placed on the credit report on XX/XX/XXXX - a year after the fact which is double dinging me and causing the FICO score to be hindered. I have spoke to Jefferson and they provided the same account information as XXXX and XXXX. This is not a valid collection for Jefferson.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WY).
Issue: Loan servicing, payments, escrow account

Complaint: 1. On XX/XX/XXXX I got a letter from Wells Fargo Home Mortgage requiring me to submit proof of flood insurance on a home I own and on which they hold a mortgage. 
2. The mortgage has been in effect since XX/XX/XXXX and I have never required flood insurance. This is probably because the home is in the middle of the XXXX XXXX and about a XXXX miles from any water bodies. 
3. On or about XX/XX/XXXX, I called WFHM to inquire about this. They admitted it was a mistake. They said they would send a letter confirming that flood insurance was not required on the property. No letter came. 
4. On or about XX/XX/2016 I called WFHM to ask about the letter. They assured me one would go out. WFHM has no identification of its phone agents, they will not send an email, and the only identification I got was from some phone attendant named XXXX. Again no letter came. 
5. The letter is important because : a ) Wells Fargo Home Mortgage refinanced this home in approximately XX/XX/XXXX, promising a rate of 3.75 %. When the documents came for signing, the rate was 4 %. It took a complaint with the CFPB and the Wyoming Attorney General to resolve the issue in my favor, since WFHM was unresponsive. 
b ) This is the same company that took it upon itself to take out an insurance policy on the home, charging me {$3000.00}, when I already had insurance in place. It took a WF Bank employee 2 months to reverse the charges.

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 06/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been in contact with the credit bureaus in regards to recent hard inquiries on my credit. I work for the government and Office of Personnel Management ( OPM ) had a malicious cyber intrusion which resulted in XXXX employees information being breeched XX/XX/2015. I was an employee that was effected and OPM sent me email that is attached dated XXXX XXXX, 2015. I have been getting hit with multiple inquiries on my credit and I have communicated in writing, as well as on the phone to all three credit bureaus. They will not remove what has been requested and once again I can not get anywhere,

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (Mortgage debt) with Collins & Hilton Asset Group, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Collins Asset is attempting to collect on a debt that was removed and discharge from my credit over 8 years ago however the home was fourclosed over 10years ago. This loan was a 80/20 lo an and serviced with  XXXX   XXXX  and sold many times  XXXX ,  XXXX  and  XXXX  attempted to negotiate with me.  Collins Asset i s now taking me to court stating that they accelerated 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 11/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX keeps trying to collect on a debt for XXXX XXXX and has reported it on my Transunion credit report repeatedly. I am XXXX and I have insurance had full coverage insurance at the time. XXXX to be infact, and according to XXXX they only have record of me using their facilities in XX/XX/XXXX, XXXX XXXX 's records reflect the same information- stating that I have no debt to them and none for that company to collect. In XX/XX/XXXX I disputed the collection company and had them removed from all of my credit reports. In XXXX XXXX XXXX reopened the same collection on all XXXX of my credit reports under a XX/XX/XXXX date. I disputed them again and all but TransUnion has removed them from my report. I am XXXX and have been covered by XXXX since XX/XX/XXXX. I honestly think they re-opened the original thinking that I would not notice. But it is greatly effecting my ability to finance my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (I do not know) with Grant & Weber (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am contacting you in desire need before i take legal action against a company that has placed a collection account on my credit. My concern like i advised the attorney i met with is that i have never received a notice from the company asking if the account was mine and if so work with me on some payment options .... be advised none of that has happened and the account is not mine, I have no knowledge of what is is for.     The attorney told me this is a violation of the FCRA and ha s sued Grant and Weber before actually a few months ago for this and similar violations.      I am requesting the following account be removed immediately if not a suit will be f ile in Federal Court.      Grant & Weber Account  Number   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 09/14/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XXXX XXXX, I applied for a BMO Harris Everyday Checking Account, which offered a {$200.00} bonus for qualifying deposits ( screen shot attached ). The account was provisionally opened on XXXX XXXX, and fully opened after following their procedures, including submission of signature cards. 

As detailed below, I contacted the bank in order to confirm that my deposits qualified for the account opening bonus, they confirmed my deposits as qualifying in three separate exchanges, and then other agents within the bank determined otherwise. I would like the bonus posted to my account as soon as possible. 

On XXXX XXXX I contacted their eChat service and XXXX confirmed that a deposit qualified ( transcript of chat attached ). 

On XXXX XXXX I contacted their eChat service and XXXX confirmed the second deposit qualified ( transcript attached ). 

On XXXX XXXX I contacted their eChat service and XXXX informed me that deposits post only after 120 days, " as disclosed in the mailer, '' although I had not applied through a mailer but instead through their online application ( transcript attached ). 

On XXXX XXXX, more than 120 days after opening the account, I contacted their eChat service and XXXX again affirmed that the two deposits qualified and that I could expect the bonus to post on XXXX XXXX XXXX transcript attached ). 

On XXXX XXXX, XXXX " escalated '' the matter and told me I could expect a response within 3-5 days ( transcript attached ). 

On XXXX XXXX, XXXX stated that my qualification was under review, in spite of the previous statements of XXXX and XXXX that I had qualified. He implied that I might not qualify after all, but that the matter was under review ( transcript attached ). 

On XXXX XXXX, XXXX affirmed that XXXX had submitted the review on XXXX XXXX, and, after my request, contacted the marketing team. XXXX communicated to me that the marketing team now contradicted XXXX and XXXX, having determined that the deposits do not qualify without further documentation ( transcript attached ).

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This car loan has been on my credit report ove r 7 to  10 years and should be deleted immediately.

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 03/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I received a hard credit inquiry on my Experian Credit Report from a Payday Loan company called " XXXX XXXX '' and I did not apply for a loan with this company. I called the company to report the fraudulent credit inquiry and have not received any response in over 24 hours. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX. I am not the first person to report this type of fraudulent activity from this company as I 've seen other complaints online ( and XXXX that was resolved on this site ) as well.

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 06-01-2016 about Debt collection (Credit card) with CITIBANK, N.A. (ME).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was enrolled in paperless statements with Citibank. It is a secondary card and I 'm a pay in full customer who has never had a delinquency mark in 28 years on file. After utilizing this card, my work email was changed ( added my middle initial ) at my employers request which caused the electronic statements for Citibank to be returned. 

Subsequently after two full months and Citibank getting returned electronic mail, I was contacted to inform me my account was 30 days behind. I received a call on a Saturday for the first time and called back immediately. I was shocked but quickly realized why I would n't have paid the full balance which was because I never received the electronic statement. I was informed as a customer it is solely my responsibility to inform the financial institution of the change in email address. I was told that Citibank does not monitor return emails, and I asked if that was the same for mailed statements and was told yes. In the event this happens, their is no ability to utilize judgment to determine if based on the customer 's individual circumstances whether to correct the delinquency history. 

Additionally, I am concerned based on my good credit I was n't a priority to call while I was XXXX payment behind and before it impacted my credit history. 

I thanked the escalation representative I spoke to, let him know that I would voice my concern through this channel- unfortunate. 
Again, this is not a financial issue. I paid off the account immediately which I always do, but now I have a 30 day mark on my credit file based for the first time in 28 years.

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 10/17/2016 about Debt collection (Mortgage) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I just found out that there are XXXX liens on my primary residence by a creditor named citizens bank national association. 
The debt was for a rental house that was foreclosed on back in 2012. I hired a law firm from XXXX XXXX to do a loan modification to save rental. Turns out the lawyer was a scam artist that has been disbarred by the state bar of calif. 
I not only lost money to this law firm, but lost my house. I have no idea who this citizens bank is or how they were able to file a lien on my primary residence for approx $ XXXX and another one for approx XXXX. 
I need your help in resolving this matter and find out how this could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: My personal data was compromised during the large security breach with equifax from XXXX to XXXX  2017, likely including personal info like SSN, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is trying to collect on a debt for a Insurance account via XXXX XXXX XXXX XXXX. I do not recall ever having insurance with XXXX XXXX and have tried repeatedly to get proof the debt belongs to me by requesting a contract from XXXX XXXX XXXX bearing my original signature. XXXX XXXX XXXX  has been unable or unwilling to provide this information. I have reported to all 3 credit bureaus that XXXX XXXX XXXX has been unable to provide this information and the debt still remains on my credit. XXXX XXXX XXXX is also reporting false information on the date this account was opened and closed. According to the statement I was sent, it was closed in XX/XX/XXXX and XXXX XXXX XXXX states it was opened XX/XX/XXXX. Per the Fair Credit Reporting Act, changing the date the account is opened/closed is against Federal Regulations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I 'm currently back in school as a XXXX and working a part time. Navient will not postpone my payments and I 've been checking my loans and I feel that they are overcharging by a lot. The amount that owed them is now almost twice and triple the amount my loan was. How did these loans balance increased like that? How is it that the balance owed is now triple the amount of the original loan? 
Below are couples of examples of my loans are looking like right : XXXX Signature Student Borrowed : {$5200.00} Amount owed : {$12000.00} XXXX Tuition Answer Borrowed : {$5200.00} Amount owed : {$12000.00} XXXX Tuition Answer Borrowed : {$10000.00} Amount owed : {$26000.00} XXXX Tuition Answer Borrowed : {$15000.00} Amount owed : {$37000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is a complaint against XXXX XXXX XXXX XXXX XXXX. I am victim of identity theft, I have no idea what this is. This was opened without my authorization, using my identity. This account used my social security without my knowledge of authorization meaning its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have held a mortgage with Nationstar since XXXX 2013. Since that time, I have received revision to my monthly payments based on changes in taxes, the value of the property, and the balance of my escrow account. Last week, I received a notice from Nationstar that they were again revising our monthly payments based on a dis-balance in our Escrow account. This is all well and good, but the disconcerting fact was that they were raising my monthly mortgage payments by {$600.00}. Even worse was the fact that I was receiving less than 30 days notice as the new payments would be in effect starting XXXX XXXX. Upon further investigation, I discovered that the majority of the increase was due to a dis-balance in the Escrow account. Apparently, Nationstar had anticipated county tax for the to be around {$500.00} but the actual amount was around {$2000.00}. How could they not have accounted for such a huge discrepancy? Either their analysts are highly incompetent or ( which is more likely the case ) they intentionally lowballed Escrow payments the first year so that we would sign with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX, XX/XX/XXXX, Jpmorgan Chase Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Credit Bureau XXXX XXXX XXXX XXXX Mail Coded : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , NC XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XX/XX/XXXX. 

I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Jpmorgan Chase Bank inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am contacting the CFPB because I do not know where to turn. Wells Fargo just approved my request for modification under the FHA HAMP program. My income was calculated so much higher then it actually is and all I receive is basic pay stubs. I questioned the dates of pay stubs being used and Wells Fargo advised me they were dated from XXXX and XXXX. This does not make any sense as I have been submitting pay stubs from XXXX up to XX/XX/XXXX. The income calculated off my 5 and 6 month old stubs was {$10000.00}. If my recent 30 days of income was calculated, it would show my average closer to {$6600.00}. This difference would lower my trial payment ( which is higher then my original payment I could not afford ) by {$400.00} a month. This would help me even if I could save a {$100.00} a month rather than the payment increasing. 

I am appealing the calculations and income used in determining my approved FHA trial payment amount : My income with XXXX is much less than what is being calculated as we no longer get any overtime. It was announced companywide in XX/XX/XXXX no more overtime will be granted and or paid out to employees. 
I am paid weekly and please see my last XXXX consecutive pay amounts:XXXX. XXXX {$1700.00}. XXXX {$1600.00} = {$8200.00} divided by XXXX = {$1600.00} x 52 weeks = {$85000.00}. XXXX {$1700.00} divided by 12 months = {$7100.00}. XXXX {$1500.00}. XXXX {$1600.00} ( Unreimbursed Expenses - I am filing for unreimbursed expenses as per my accountant due to the nature of the job and what I pay out of pocket. In XX/XX/XXXX I filed {$5900.00} and in XX/XX/XXXX, I filed {$5700.00}. For XX/XX/XXXX, the amount should be the same as all my expenses are the same XXXX ( I previously misunderstood the question ) So to my understanding, unreimbursed employee expenses are backed out of the monthly income which for the XX/XX/XXXX year was {$5700.00} divided by 12 months = {$470.00} subtracted from {$7100.00} = {$6600.00} which is a tremendous difference from what was calculated in determining my modified payment of {$2400.00} as my payment was calculated at {$10000.00} as per the trial agreement dated XX/XX/XXXX. 
The FHA Hamp guidelines show the basis of the program is to get the new modified payment 31 % of my monthly gross income which if calculated off my recent income and not from XXXX, would make my payment closer to {$2000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with Accounts Research, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for supposed debt : Accounts Research , Inc. XXXX , TN XXXX RCVD call from XXXX XXXX , stated he was trying to conduct research and has returned mail for me. He wanted to confirm my address was the same as what was on the returned mail, I told him to just resend it to me as addressed. I asked him again who he was, since I have a large relation to XXXX 's, and he said he just had gotten some of my mail by mistake and wanted to make sure I got it since it was from my bank. No big deal. However, I felt weird after the call and did some research and found he is a collector for a company who changes it name often due to not following collection practices. They used to operate under XXXX XXXX XXXX. 

So, the big issue is that this account with XXXX XXXX had fraudulent activity and was closed. A lady from the fraud dept with XXXX XXXX called me, I believe in XX/XX/XXXX or XX/XX/XXXX,  and informed me the account had been locked due to activity. After reviewing the charges, they were determined fraudulent. The disputes were processed, and once processed, the account was to be closed with any remaining proceeds mailed to the addesss on file. I have not had any further correspondence from XXXX, so due to my own assumptions, I thought this matter was resolved. I have called and left a message for XXXX, in collections, with XXXX XXXX. I have since tried to communicate with the debt collector and that went nowhere. 

I will not resolve this debt with anyone other than the bank directly. XXXX XXXX lied, multiple times, when I asked who he was/with. Every time he represented himself as a provate citizen just trying to do the right thing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation