milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have requested verification and validation per my right under the FDCPA section 809 a and b. This is your direct dispute. I am demanding proof of this debt. I have never had  XXXX . My account number  XXXX  according to the inaccurate information on my credit  report.. My  address is  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX   XXXX  This company collection practices are very abusive and deceptive as well. Trying to talk to anyone is a nightmare and they are very rude and hateful. I am aware I can seek actual and statutory damages against you and your client. If I must file a civil lawsuit I will to protect my rights. As I am sure I am not the only consumer whose rights has been violated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NE).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for the Delta Gold Amex card on XX/XX/XXXX17 with a promise of XXXX Delta miles and {$50.00} statement credit for Delta purchases after the card is approved and {$3000.00} spend is completed. The requirement for the bonus has been completed over 12 weeks and the miles have not been posted to my Delta account or even the {$50.00} statement credit did not post to my account after a Delta purchase. I opened a case with them 8 weeks back and they keep saying that they know of the issue and are still researching it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XX/XX/XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XX/XX/XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX XXXX XXXX XXXX, XXXX, XXXX advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XX/XX/XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX XXXX XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?

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 05/29/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: On  XXXX   XXXX ,  XXXX , I owned a property located at  XXXX   XXXX   XXXX   XXXX , NJ  XXXX .    Wells Fargo  claimed they completed a sheriff sale in  XXXX  of  XXXX , while I was still living in the home and while I was on a modification arrangement with the m. Wells Fargo  used dual tracking to foreclose on the home through an Attorney  XXXX ,  XXXX  and  XXXX  whom I sent payments to that were cashed by the law firm tha t Wells Fargo  had hired.  XXXX   XXXX  and  XXXX  were admonished in  XXXX , however they still collected payments from me through  XXXX , while i was still the owner of the property.    Wells Fargo  never confirmed a sherriff sale. On  XXXX   XXXX ,  XXXX  I contacte d Wells Fargo  who confirmed that I am eligible to do a short sale, the short sale documents were sent to  Wells Fargo and  were excepted by them. On  XXXX   XXXX ,  XXXX , the deed was filed 3 years later by the firm of  XXXX   XXXX   XXXX  who were NOT the original attorneys on the file. Also the Indenture date of the  Sherriffs Sale  is 5 days before the actual sale.    Wells Fargo h as clearly committed several frauds. I am requesting a full investigation into this matter prior to me hiring outside counsel.

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 02/13/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After leaving the hospital, a number of bills were sent to me. I sent many of them back to charge my insurance. In this case, XXXX never responded to me about my insurance. They finally sent me a single bill, which I began paying without realizing they still had n't answered. After setting up bank payments, I never got another statement, never received a balance, nor have I been able to reach anyone. After sending several payments and receiving no statement or method to determine what was paid by insurance, still owed, or had been received, I sent them a note indicating I needed a statement from them, at least. Nothing. Then, I pulled my credit in XXXX and saw that the debt had been referred to a collection agency. This agency has made zero effort to contact me, had none of my previous payments associated with the accounts so the balance reflected the full amount, and has not responded to complaints with the credit reporting agency other than they consider the debt valid. I believe that they need to at least TRY to contact me so I can pay this. It 's such a stupid amount that if I had gotten even one additional statement or notice from them, I could easily have paid. And I STILL do n't know if they even tried to bill my insurance like all the other bills that were submitted. I paid every single much larger amount to all other medical agencies because they did bill insurance and then followed up with a statement. It may be that there is an amount that is due, but I do n't know what amount and ca n't get an answer. I also feel like it is fraud to just try to ruin credit for someone without even trying to let them know. If XXXX had sent me a bill, this would have been paid easily. I refuse to deal with the collection agency since they are clearly just trying to collect the full amount ( XXXX were paid directly to XXXX before I had to give up because I do n't even know if it 's been paid off, still owing, or may have been over-paid ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Medical) with Profit Services Group (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have been contacted by Profit Services Group in XXXX, Ga who advised I owe medical bills from XX/XX/2010 that has passed the statute of limitations and bills that my ex-wife were responsible for due to divorce. I have requested on several occasions to be provided proof, but only tell me the bill is mine. I asked to see the original documents from the service provider after I was informed all original paperwork was sent to Profit Services Group. Profit Services Group has failed to provide the documents and continue to threaten me with court action. 
I paid ( XXXX ) recent bills but what they are threatening now I have verbally disputed to the employee whom contacted me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX , 60 days  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FINEX Group LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i gave a vehicle away signed a bill of sale and turned in a release of liability to the XXXX XXXX plus years after i have a report on my trw that i have a XXXX dollar debt for the vehicle after it was impounded.i contacted the reporting persons and was told that because the other party had not followed through i was responsible even though the calif XXXX couldnt find a record of me owning the vehicle.i tried working with this company providing all the info i could for them even though the dmv wasnt able to find my name attached to this vehicle and refused to investagate anything

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Problems when you are unable to pay

Complaint: Ally used its discriminatory practices to inflate my loan interest rate and inflate my monthly payments. Ally used its discriminatory practices to seize my vehicle and render me nearly financially and mentally ruined. My Ally case no is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (RI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX, RI XXXX JEFFCAPSYS XXXX, MN XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2800.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX we applied for a load modification through Nationstar mortgage. In XX/XX/XXXX I received paperwork from XXXX County with notice of a sheriff sale. Around XX/XX/XXXX I called Nationstar and spoke with XXXX XXXX to find out what we could do to resolve. He stated that since we did n't complete the modification paperwork after the trial period the sheriff sale would move forward. The only way to avoid would be to provide a payment of approx. {$25000.00} to bring everything current. We never received the paperwork he was referencing and additionally I was unaware of anything that needed to be completed. I thought since we made all payments on time and in full during the trial period that things moved forward as normal. On XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX County and I called XXXX XXXX ( formerly Nationstar ) and spoke with XXXX regarding the situation looking for advise on how to resolve. When we informed XXXX that I had not received the paperwork she provided us with the tracking number, stating the paperwork was sent on XX/XX/XXXX and XXXX delivered to our home on XX/XX/XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX ). However, when we input the tracking numbers into the XXXX portal the first only notates that it was delivered to 'XXXX ' no specific address and the second states 'In transit '. As of XX/XX/XXXX XXXX has escalated the issue at XXXX XXXX to see if we are able to resurrect the modification due to lack of communication. However, we are very close to the sheriff sale date now.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (IL).
Issue: Application, originator, mortgage broker

Complaint: I am in desperate need of assistance. I have a sale date for XXXX XXXX and it has been XXXX ever since my loan was transfer from XXXX mortgage to State Bridge.I am tired of working directly with my new lender State Bridge because they are prolonging my loan so I can fall more behind. First I was always asked to re-fax documents when they confirm that they were received. Then with not even a month of expiration I had to keep sending them more documents, due to my file getting transfer to a new specialist every time. State Bridge will always say that they needed to have a complete package to presented to my investor but my packet was always complete. Once my file was presented to my investor State Bridge told me that I could not be help because I was offer the XXXX modification previously with XXXX bank. That there was no other work out option. I was so devastate because before my file got transfer to State Bridge the only modification I had was an in house modification. I was never offer the XXXX modification. However State Bridge has use this as an excuse in order to deny my loan. Also they have switch my income many times for their own benefit so I wont get any help. My total monthly income included my husbands is {$4000.00}. Therefore when I spoke with agent today XXXX XXXX, I was told that the income that State bridge has use was {$3300.00}. I told her that was incorrect and that I am tired of all this. I have even offer them {$15000.00} to get the help and still is not enough for them. I have escalate this to my investor as well the only person that tried to help me was XXXX XXXX from the investors office. However, she has been out from the office many days and now I had to contact XXXX XXXX from the investors office. He 's responds was just to let my home sale because I have a sale date for XXXX XXXX. That this will be a better option to just walk away. I started to cry when he told me this. I dont want to be homeless I told him I was going to file a complaint with the consumer financial protection Bureau and he told me that I can do as I please. That my home was going to sale either way. I want this adress. I have proof in writing of all the wrong doing they have done. Please I am begging for help. I do not want to be leave homeless. Thank you so much and I hope you help me with this awful situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with CITIBANK, N.A. (KY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a card with citi closed acct to open a citi rewards acct, had issues when trying to use card got so upset I cancelled and paid off. A XXXX card was opened ( not by me ) and I refuse to pay something not mine. Citi sent me a letter, when I wanted proof of card and charges, telling me it was personal and confidential information. They sent a piece of psper also that was suppose to be an online conversation between me and them that states I have an XXXX ( which I do n't ) and that I was verbal ( which I was n't ) the conversation does n't even have an origination, ( from an email, phone etc ). How can they tell me it is personal and confidential if it concerns me???? I furnished info via mail to credit bureaus XXXX deleted it, XXXX is still investigating, and XXXX said they updated but it is still there and nothing has changed, it is not mine, I want it removed. I have sent XXXX certified letters to citi for proof of debt and I get nothing, I paid anything I owed citi and I want them to remove this XXXX fraudulent account. I ca n't upload anything but whatever you require by mail I will send.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit card () with Persolve, LLC - Legal - Series 2 (CA).
Issue: Delinquent account

Complaint: I had a {$6500.00} XXXX credit card account with a balance of {$6100.00} in XXXX. In XXXX I had gotten laid off from my job and worked out a fixed payoff plan and had paid over {$2000.00} by XXXX. I missed XXXX payment and they bounced the balance up to {$6500.00} stating the reasoning was because of the payment arrangement that we had. I told them that I would agree to settle with the remaining {$4000.00}, and felt cheated since they basically " stole '' {$2100.00} from me, but they would not have it. They ended up sending me to collections and then put a lien on my house. That house was sold in a short sale in XXXX and in XXXX I got notification that XXXX was attempting to collect {$10000.00}. I ignored it and figured it was a scam because I never had any account with them for {$10000.00}. Now I am trying to buy a house, it is over 8 years since I had the debt, and I come to find out that a company called PERSOLVE, LLC ( Account Resolution Associates ) is claiming I owe them {$10000.00}, apparently from this credit card account, and is preventing me from buying a house. Should n't this have been settled with the Lien in XXXX? How can they legally come to me 6 years after the lien and try and collect over 2 times my remaining balance of {$4000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX of 2016 both my XXXX and Bank of America checking accounts was charged for by the XXXX XXXX XXXX XXXX Office for a legal judgement that I owed. Since XXXX accounts were debited at the same time I was overcharged for the debt. I called the XXXX XXXX XXXX Office to complain that more money was taken than what was owed. The XXXX Office told me that they had to wait for XXXX checks to be mailed to the XXXX XXXX Office and then I would be issued a refund for the over-payment. When I called to check on the status the XXXX Office informed me that Bank of America had not sent in the check they collected. I when I spoke to Bank of America they claimed the check had been sent in XXXX so I called the XXXX Office again and they told me that Bank of America only has 15 days by law to send in the check to their office and they had still not received it. I have called Bank of America several times since XXXX and each time I call I 'm told that they will cancel the check and reissue another check but it will take three months. However each time I have called no action has been taken and the representatives argues with me and gives me the sames scripted response that the XXXX Office needs to take action. The XXXX Office has been very clear about the laws and what Bank of America is supposed to do. Furthermore Bank of America is actually the company that the judgement was for so obvious that are fully aware that the judgement has been overpaid. Bank of America owes me {$1400.00} which they have kept in limbo since XXXX and we are now headed into XXXX. Please have Bank of America release my money or I will have to file a lawsuit.

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 03-08-2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Making/receiving payments, sending money

Complaint: I have a checking account with BBVA compass bank One of my credit card ( XXXX ) did a balance transfer of {$3000.00} since XXXX last week and they sent the money to the Bank but the Bank no show my money in the balance I have call them twice but they do n't solve it please help me to find my money Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX is reporting a collection account from XXXX on My XXXX, Equifax, and XXXX credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX at Atlantic credit and finance threatened to send our account lawyer if we did n't make a payment today or set up an payment agreement and then wanted our debit card and account information. She would not allow us to send payment via money order or checks and keep threatening us with lawyers

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