milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I took XXXX to care for my daughter who had an unexpected medical emergency. I was of work for 3 weeks and food not have enough money to make my bills. I contacted flagstar looking for options so that I would not be late on my mortgage payment. My payment is due on the first of the month and I contacted them before my payment was due. I was told to go through loss mitigation which I then contacted. They said that they would send out a packet. The next day I started receiving phone calls from Flagstar staying that I was in default on my loan. I answered XXXX of these and the man on the phone said " oh, we already talked to you '' and hung up. I received the packet in the mail with a list of things that I needed to submit. In the meantime I continued getting phone calls from Flagstar. I called them on the XXXX and asked them to write calling me several times s day. The lady was extremely ruderude. I tried to explain that I always made my payment before the XXXX of the month ( whenever my paycheck cleared ) but since I contacted Flagstar before my payment was even due, that they had been harassing me with phone calls of " this is an attempt to collect a debt ''. I feel like I reached out tob then for assistance and within 12 hours of my phone call, I started getting debt collection phone calls. I made my payment today, but at the cost of my daughter 's treatment since I ca n't afford XXXX. I 've been iny home 13 years..in fact, I built it .... This is ridiculous way to treat a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me XXXX times a day asking when I can pay. I 've told them my financial situation plenty of times, and they insist on a concrete date when I can pay my entire debt. They have called me while I was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Problems caused by my funds being low

Complaint: For almost a year now, Wells Fargo has been reordering my bank charges in order to maximize overdraft fees. In other words, they change the dates on my charges so that they can either charge me overdraft fees, or if I already have an overdraft charge, they will change the dates on my purchases in order to charge me multiple overdraft fees. They will also purposely withhold transactions so that my balance looks higher than it really is. Then, when my balance gets low enough they will process all of the transactions that they withheld causing me multiple overdraft fees. Here 's an example : On XXXX/XXXX/16 I checked my checking balance and it was roughly {$140.00}, so I went and bought a few grocery items that I needed. Now, fast forward to XXXX/XXXX/16. I woke up and saw that my account was overdrawn and there was a new charge on there from XXXX that was n't on there before. It was my cell phone bill that I have on reoccuring auto pay ... .which I admitedly forgot about. However, this charge did not reflext on my balance on my balance until XXXX. There were also XXXX new overdraft charges for the charges I made on XXXX. I called my cell phone privider and talked to a few different people ( including 2 CS Suoervisors ) to see why the charge took 5 days to process and they told me it was my bank who withheld it for 5 days. So basically, Wells Fargo withheld this charge for 5 days and then processed it on XXXX and tyen changed the process date on the charge to XXXX and then retro charged me {$140.00} in overdraft fees. This has happened numerous times over the last 7-8 months and has cost me XXXX ( if not XXXX ) of dollars. It is fraud and I am tired of them taking advantage of 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 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXXXXXXXXXX debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company response to consumer: Closed
Consumer complaint received 04/26/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On  XXXX / XXXX / XXXX  I called the company that has this charge in my credit report. Comenity bank/  XXXX   XXXX   XXXX   I spoke to  3 people there. Non s eemed to know why this acct that opened on  XXXX  and CLOSED in  XXXX   XXXX  is in my credit report. They told me they do n't have any records, They could not give me any information, not even verify it was mine. They said they would have to research that far back.   I never to my knowledge had a credit card in  XXXX .   Please help me with this. I am sure this was not mine and it was closed per this company 23 years ago.   The whole report on this is not correct. It says recent payment {$25.00}. incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XX/XX/2017 ( 1 yr ) Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Claim : {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Debt collection (I do not know) with Premier Portfolio Group (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to get a phone call from an agency claiming to be Premier Portfolio. They call my cell phone from numbers all over the united states, so I have not been able to successfully block them. I do not know this company, and do not have any outstanding debts in collections. They claim that it is for a check cashed in my name with my ssn and routing number, which does n't make any sense why they would have my SSN. I 've looked it up, and they are apparently scamming other individuals as well. I want to report them as well as get them to stop calling me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Payday loan debt) with Meridian ARG Inc. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I recieved a phone call from Cambridge Asset Management. They called me from XXXX. The lady said her name was agent XXXX XXXX. She told me over the phone that they worked for a lawyers office and were the mediation company. Trying to collect on a debt from 4 years ago. She stated that If i did n't pay them, that they would file a civil complaint with the county clerks office. I asked to speak with her district manager and she could not give me his name. I told her I would be in touch after some research. On XX/XX/17 I recieved another call from agent XXXX XXXX. She left a voicemail stating that they were going to turn this to the county clerks office to proceed with paperwork. On the voicemail, she stated my date of birth, last 4 of social security number and my drivers license number. I think that is highly inappropriate to give away such sensitive information as I might have change numbers and then my personal identification would be given to a stranger. I am not happy with the scam companies tactics to collect debt and I think they need to be investigated further. She also informed me that they would look for me at my place of employment, which I know they are not allowed to threaten.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (AZ).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: XX/XX/XXXX I put in a application to refinance my XXXX XXXX XXXX. 

XX/XX/XXXX I spoke with XXXX and went over a few pre-approvals and I accepted 48 months at 7.74 % and a payment of roughly XXXX. Same day XXXX called back and said they counter with 7.14 % and a payment of XXXX I accepted the offer and started uploading docs. At this time there was NO mention of down payment what so ever, all calls are recorded. 

XX/XX/XXXX XXXX calls and asks about if I will be pay the down payment and I told her that it was never mentioned so I did not know about it. She then said I will need to call you back so I can figure out what is going on. 

XX/XX/XXXX XXXX calls and says she did not bring it to my attention and that it was her mistake. 

All calls are recorded.

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 03-02-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Harassing me regarding a charge off by another collector that I don't know about. I received notice regarding an alleged debt which was charged off and then purchased by Portfolio Recovery. This account has been previously disputed and deleted from all 3 credit bureaus because it was not validated as mine and recently reinserted without proper notification to me. I have once again asked for documentation proof that I owe this debt because I am unaware. I requested signed contracts and method of which this debt was being paid. I called multiple times to obtain this information and it was not received. The last time the supervisor XXXX took the call and stated they did not have a signed contract from the original creditor on terms and conditions pages or methods of how it was originally being paid. I told her I needed proof not just basic information that is public record. This harassment for payment for something as my right to request valid documentation. Portfolio was unable to properly validate the debt in previous disputes which is why it was removed from my credit files. Now they illegally reinserted it without any notification and still aren't responding with proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My wallet was stolen in XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.

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 07-09-2017 about Debt collection (I do not know) with ERC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed this enhanced recovery corp account and did not get a proper dispute result. The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it.
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations.
<P/>
Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt.
2. The signed agreement from the debtor confirming to pay the debt.
3. The documents regarding the payments made on this account and validation of the amount.
<P/>
enhanced recovery corp failed to validate this account. This account need to be removed immediately. enhanced recovery corp is violating the laws. There are two accounts from Enhanced recovery corp on my credit that needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Medical) with Action Collection Agencies, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received XXXX letters from Action Collection Agency XXXX XXXX regarding a " debt '' from my XXXX. Upon calling the first time, with my insurance provider, they could not verify the correct amount for the claimed date of service or any other details of the debt. After this initial call ( no payment ), I called the provider and verified the date of service, amount, and received an itemized bill showing I had a zero balance. I also have my insurance 's explanation of benefits showing the payment posting directly to my provider. 

Today XXXX XXXX XXXX, 2016 XXXX, I called ACA back to verify the debt and spoke with several different people, each having to " check '' with a supervisor about basic information including a license number, the company address, requesting a verification letter, and the discrepancy in amount being collected. No one had any information and I was told my letter would be sent in 30 days ( when by law it should be sent in XXXX ). 

Throughout this process, each person I spoke to was belligerent, refused to listen, and kept changing their story. At XXXX point the " supervisor '' XXXX XXXX XXXX ID # XXXX ) told me the account had an " XXXX on the bill and when I asked how did he have the bill, he said he knows the insurance paid a portion of the claim. How could this be on the " bill '' with XXXX in place.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (FHA mortgage) with American Financial Resources, Inc. (KY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX I had trouble using the automated system, which resulted in me having to pay a fee by the time I got it to work. I assumed this was my fault. In XXXX, I attempted to pay by phone sometime between XXXX XXXX. I was then contacted by letter, saying that there were non sufficient funds for the payment. I checked my account to make sure there was n't a math error and to confirm that there were funds available. Once I confirmed this, I attempted to pay my payment again on XXXX/XXXX/15. I was contacted around the XX/XX/XXXX by phone, by the company and they stated that they had not received payment. I explained to them that I had tried to pay twice and that the funds are in my account. At that time, the representative told me that I entered my checking account number wrong ( both times, the exact same way ). I told him this was impossible, because I do not even key my checking account info in, and that I always just use what is on file. He refused to admit that there was any kind of glitch with their automated system. When I called to pay my payment in XXXX, I made sure to listen to the automated system when it asked me how I wanted to pay. It does not read me the entire account number, it only asks if I want to use the account ending in XXXX. There is no way I could have entered the information wrong, all I did was say yes that I wanted to use the account that is on file. Now they are trying to charge me {$15.00} for each time that the payment did n't go through ( even though it never even touched my bank account ), plus a late fee, plus they charged me extra to pay by phone because the payment was late. In all the total fees are nearly {$60.00}, even though I tried to make my payment twice before XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (Payday loan) with Citi Management Group, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted concerning a payday loan debt. I informed the agency that I did not owe and produced a bank statement proving that I did not receive the funds. I asked that we take this to court. 
He threaten to have me fired. He then contacted my boss, the president of the college and reported this claim

Company response to consumer: Untimely response
Consumer complaint received 07/23/2015 about Debt collection (Medical) with Capital Accounts, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection agency has received information from a dentist regarding an outstanding debt which does not belong to me.The collection agency was notified by me through an email, that the debt instead is owed by my son.Their response was the debt will be reduced, however, it does not address the fact that the debt is not mine and I did not cosign anything.The dentist office says its in the hands of the collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I disputed a paid collection item on my credit report with the collection agency Cavalry Portfolio Services and requested that the item be removed from my credit report as it was over 7 years old and had been paid. The original creditor had already removed the item from my credit report. I then sent Cavalry Portfolio Services a certified written request that they provide all information on the disputed item such as the original collection date, date paid, and all information pertaining to the collection and the proceeded by only sending me a letter that stating that this account was already settled. I called them and spoke to a manager concerning the account and I again confirmed to her my request that I would like to know the original date of collection, proof and confirmation. The manager told me that they had no such information because the item was so old and I told her that was the point in my dispute and the item was much older. The manger than said I would have to file a complaint because it was our of her hands to be able to remove the item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2016 about Debt collection (Credit card) with Meyer & Njus, P.A. (IA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX, 2016. I received three phone calls at XXXX, XXXX and XXXX. The phone number being called is my work phone number. The voicemail for this number clearly indicates this is a business line. No messages were left, no indication of who or why these calls were being made. I had to place a business conversation on hold and called XXXX at XXXX to ask them to stop. I spoke with someone named XXXX and advised him the calls they were making were interfering with my ability to do my job. XXXX said he understood the importance of being able to work and said he would ensure they calls would stop. The calls did n't stop. The next call I received was at XXXX. I believe this is a direct violation of the TCPA which should result in a penalty paid to me in the amount of {$1500.00} for knowingly violating.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016, I applied for a Citibank Gitigold Interest Checking Account with a XXXX promotional offer ( XXXX ). The offer was sent to a friend - not to me. I mentioned that detail to the account representative at the time that I opened the account and was told that I still qualified for the offer. I completed the promotional requirements by XX/XX/XXXX and waited 90 days for the points to post. When the points did not appear in my account, I sent a message to Citibank to confirm that I would be receiving the points. Citibank opened an investigation and determined that there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of my account. On XX/XX/XXXX, I contacted their customer service department and spoke to a representative who told me the same thing. 

I understand that Citibank wants to limit promotional offers to targeted customers, but when I mentioned that I did not directly receive the promotional offer at the time I opened the account, I was not informed that I did n't qualify. Further, I did not receive any disclosure in the account opening documents or over the phone that indicated that certain individuals could not qualify for the offer.

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 01-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello I am writing with a severe cmplaint. There are a number of erros and collection files on my report that dpo not belong to me. They need to be removed ASAP. 
** XXXX XXXX - {$520.00} ** XXXX XXXX - {$430.00} ( Acct # XXXX & XXXX ) ** MEDICAL - {$75.00}, {$69.00} and {$59.00} ** XXXX XXXX XXXX - {$95.00} I have previously demanded the CRA remove these entries under my name or show just proof that they belong to me. I have never had an account with any of these companies and am again demanding that these entries be removed asap.

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