milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I took out credit card as a stupid college student. The card had a high amount and I used it on books I never received notice or contact from credit card company for long time and belive statute of limitations is past. No agreement letter or arrangement was ever received. This debt went unnoticed

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Other financial service (Debt settlement) with Manhattan Beach Venture, LLC (TX).
Issue: Fraud or scam

Complaint: Company claiming to get my student loans reduced through presidential grants. From {$57.00} to only {$6.00} over 248 months. They collect a fee of {$600.00} for their service included in the 248 months payment. They ask for no money up front, but asked for my debit card #, mine and my husbands SS # 's, and DL # 'S. I have continued to contact them for more information and never seem to get a hold of XXXX XXXX ( XXXX ). 
As XXXX XXXX suggested, I contacted XXXX, whom my loans are through, to have loans put on hold. This is because the total amount of {$57.00} was to be paid off in XX/XX/XXXX. XXXX informed me that there is no such thing and expressed to file a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stevens Business Service, Inc. (RI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I called XXXX XXXX to try and make a payment, partial payment, and tried to see if a payment plan can be worked out. At the time I was working XXXX hours a week and had been out of work due to an XXXX, XXXX XXXX sent my debt to collections when I was trying to request a payment plan option. XXXX XXXX Stated it was too late, my account was closed and to pay through collections.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I spoke with XXXX XXXX and they verified that they have no record of this debt within their system. I disputed this to Experian and XXXX and they are still reporting this debt as mine, when it 's not. Please, investigate the bureaus and have them remove this debt from my credit reports.

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 08/28/2017 about Debt collection (Credit card debt) with EQUIFAX, INC. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX is stating that I have missed eight payments and I opened this account. I have informed every agency about my identity being used to open this account. Please correct on my Equifax report that I have not been late and that someone has used my identity to obtain this account for credit. This has severely damaged my credit reports. The fair and honest outcome is to correct this information/account with Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
Transunion  : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} XXXX  : XXXX {$1000.00} XXXX XXXX  {$1600.00} ( did not provide me proof of signed HIPPA ) XXXX : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.

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 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get my credit together before applying for a mortgage and have fought to remove inaccurate information off my report including information claim have been verified by providing me with statements or copies of billing statements. That is NOT sufficient validation. I have disputed online, and through mail. They have not sent me verification of contracts. I am needing proof other than the same automated message : XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity. 


XXXX XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity.

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 11/16/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My work transferred me from XXXX to XXXX XX/XX/XXXX. Back in XX/XX/XXXX we knew we were not going to have enough to make the mortgage payment and rent plus all the utilities associated with the properties. We went to Wells Fargo and was asking for help before the loan was 30 days past due. They said that they could not do a forebeance on the loan and the only XXXX options was a repayment plan for when we did miss the payment or a loan remodification which may not work because we were selling the house. So we entered into the repayment program in XXXX and they did not fully explain how it worked or that for those four months that we were on it it would continue to count late on our credit report. I even have a letter that makes it seem like it would not. Our last payment on that plan was in XXXX and even that month was reported late on our report. It just amaz d me and my husband that there was no help offered to us till we were late. Any help would be appreciated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar continues to deny my loan mod. For 28 months our firm has tried to modify XXXX XXXX XXXX 's Loan. They refuse to supply the negative NPV form which is the reason for the most recent denial. They have also listed his primary residence as a rental which is the cause of the is last denial as the unpaid principle balance is {$1000000.00}. This balance also prevents XXXX XXXX from obtaining a HAMP/Tier XXXX loan mod. The denial letter states his income at {$640.00} less that what was provided in documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a debt collection letter from Transworld Systems Inc. for an alleged debt that I do not owe. I called Transworld Systems and their customer service agents were rude, hostile, and deceitful in flagrant violation of the Fair Debt Collections Practices Act. I do not want any further communication from Transworld Systems , Inc. I do not owe them any money. Transworld Systems Inc. has flagrantly violated the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have addresses listed on my Trans Union Credit Report I have never resided at. The following addresses do n't belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN 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 non-monetary relief
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with EQUIFAX, INC. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: There are many medical bills listed on my EQUIFAX account in collections such as optimum outcomes and a few more. However XXXX and XXXX have both removed them due to the hippa violation act! I have tried several times to get the items from collections removed by using 609 letters and HIPPA letters but nothing has changed. My next step will be to take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I have had a mortgage with greentree for 20 years, and it 's been a nightmare with threats to come to my home move me out if I did n't get my payment in and will sue me, next thing i know I had thousands of dollars added to my mortage. Threats at my boys : they Told my boys " they are losing there home need find place to move, contacted my mom asking her to come up w/money or ill lose my home /contacted my X - mother law hitting her up for money. Now I been trying for loan mofication for a year greentree would deny mofication because they did n't reviewed required documents. I sent in what I was suppose to over and over again. I have contacted my state attorney general 3 times they are NO help!!! 
Greentree sold my home behind my back when they said I was finally approved for deferral, next thing I get was a letter telling me to vacate home. I have my son and grandson ( XXXX ) living with me I have been verbally abused threaten and put under extreme pressure ( XXXX, missing work XXXX ) from years of abuse from greentree.I have worked all my life, I had XXXX good jobs, but with 20 years of declining work force ( which I did n't create ) I fall behind on mortage. Greentree lie and deceived me and should be shut down. Now I have to scrap up money to get a lawyer to help me stop the sheriff serving me papers to vacate. Greentree has billed me XXXX for attorney fees court ect. I was only XXXX behind when I started mofication, now I owe them XXXX to stay in home. Can you please help? I have all documents from start to finish. 
Thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hi there, in XXXX of this year an unknown BK appeared on my Experian credit report that was said to have been filed in XXXX XXXX 5 years later. The claim and liability amount XXXX say 0. 
Please be advised I have asked that Experian remove this error and they have refused and request that I submit documents to support it removal. If I never filed or attempted to file a BK I would not have any paperwork. 
I can not refinance my car loan until the BK is removed. The bank is questioning me because it was never there before .... yes I know this is Experian 's error. Please help!! 

IDENTIFICATION NUMBER XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Roycroft Management (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Central Mediation Service call from another phone number XXXX XXXX XXXX and leave a different number. When I called and asked them why they would threaten my wives family and call friends and family they said it was n't them and they hire that out but would not give me any information. They have called my wives family and threatened my wife through her family. Then that number calls my wives phone and asked what she wanted she game me the phone and asked what I wanted I said you called me what do you want then he hung up. When I call and ask for an address they hang up. I have called them about XXXX times the last XXXX have been just to ask for address, Now they just hang up without saying anything. They said their client was XXXX and I called them and they said they did n't have the loan and they sold the loan in XXXX of 2015 to a company that is not the same as the XXXX with all the threats. The company that XXXX sold it to wont call me back so I can ask them about it. Central Mediation Service makes it sound like my wife will be arrest. Oh and we have never got one thing from them in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX 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 07/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Other fee

Complaint: We retail and service outdoor power equipment. We sell XXXX XXXX from a company in XXXX, TX. ( XXXX XXXX XXXX ), XXXX XXXX XXXX, XXXX, TX XXXX, ph # XXXX. Since the fall of 2013 they have been surcharging us the fee the American Express card charges and calling it a convenience fee for purchasing merchandise from them. Specifically Redmax product shown clearly on the billing invoice. 
In Texas it is illegal to charge this and we have tried numerous times to ask them to stop doing this. They said they could charge and this and went a step further. We wanted to purchase this product from another distributor that does not charge this fee. They were threatened they would sue because of territory maps. We have contacted American Express and they are disputing this. Also spoke with the State Attorney of Texas consumer complaint division, and we were also told to file a complaint with your office.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (OR).
Issue: Application, originator, mortgage broker

Complaint: HelloI would like to place a complaint againstDitech Financial llc. 
XXXX, PA. XXXXAfter receiving information from my prior complaint I need to expand it to include other parties. For reference previous case # XXXX. 
In XX/XX/XXXX I put an offer in of XXXX to purchase a short sale property at XXXX XXXX XXXX XXXX XXXX , OR. XXXX from XXXX XXXX XXXX. I Put earnest money down and had a pre approval with 20 % down. On XX/XX/XXXX XXXX XXXX XXXX countered with XXXX witch I immediately accepted and signed acceptance documents. On XX/XX/XXXX we were finally contacted and surprisingly met with another counter demanding XXXX dollars more for the property. Brining it to a total of XXXX. 
Unknown until my prior complaint XXXX XXXX XXXX had sold the lien to Greentree financial who has now merged with Ditech Mortgage Group. So as well as XXXX selling the property lien when they had an agreement with me I am finding that greentree / Ditech are being very unreasonable as well. My Realtor has sent a comparable analysis report for the area showing the inflated price is way out of line. I have photo documented the extensive damages and provided average repair costs. 
Both listing agent and my realtor have argued that this is unethical and unrealistic. But all this has been ignored by the lien holders involved. There has been little communication and no cooperation from the new lien holder Greentree / Ditech. I have read complaint after complaint about greentree / Ditech and do n't want to be just another complaint. I am looking for help on what can be done or I can do to make a difference. There is a number of properties in my area that have been vacant for years and now I understand why. 
Thank You for your timeXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (VA mortgage) with loanDepot.com, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My Response to Loandepot XXXX XXXX/XXXX/XXXX The information Loandepot mention & provided are n't true. When we Refinance our home in XXXX XXXX with loandepot. Homeowner insurances was still active from " XXXX insurance company ''. I contacted them several times. and they sent me proof and I 'm sure I disclosed to loandepot such proof of homeowner insurance then. all through XXXX & XXXX still active. I do n't know where loandepot got their information from. But, they are n't true. We have gone through hell with their Dishonest services with our Refinance since : Terrible Dishonest, trying hard to find ways to twist their dishonest service foremost. but, the fact of the matter is : they tried very hard to suppress my VA entitlement benefit to purchase our home in the first place. Our Fundamental Right : right that is considered by a court ( as the U.S. XXXX COURT ) to be explicitly or implicitly expressed in a XXXX ( as the U.S. XXXX ) A court must review a law that infringes on a " fundamental right under a standard of strict scrutiny. according to how they treat and served us : because of my character as a " XXXX '' XXXX from XXXX XXXX. which also falls under invidious discrimination type of service as fundamental right is concerned. Including : False statement 1. an assertion that is not true, especially one made in words as distinguished from verbal conduct. any conduct or representation that violates a " False statements statute '' any federal or state statute making it a crime to make false statement. Or could be " frolic of one 's own conduct by an employee outside the " SCOPE OF EMPLOYMENT. '' OR " FRUIT of the POISON tree '' evidence derived from information obtained through an illegal search or other illegal investigative technique, such as evidence is generally subject to the EXCLUSIONARY RULE TO THE SAME EXTENT AS THE ILLEGAL OBTAINED INFORMATION THAT LED TO IT. IN THIS AFOREMENTIONED. NO SATISFACTION WITH THEIR COVERED UP EXCUSED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.

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 09-07-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America Account No. XXXX Twelve years ago I took out a Home Equity Line of Credit in the amount of {$20000.00}. I paid off this loan in full in XXXX XXXX. I filled bankruptcy in XX/XX/XXXX, papers from attorney showed I was keeping my XXXX mortgage and XXXX mortgage ( home equity line of credit ) from Bank of America. Now they have a lean against my house, and they want me to pay {$11000.00} from me because first they claimed it was because XX/XX/XXXX my husband and I filled bankruptcy. I sent them the legal papers showing that we reaffirmed the debt. Then they said that it was because XX/XX/XXXX I had a foreclosure. That is false, I never had a foreclosure on my home. XX/XX/XXXX I did a modification of my original mortgage. I never missed XXXX payment on any of my loans. I was told to send in {$220.00} fee for the release of the lien on my home. Bank of America has applied the {$220.00} to the {$11000.00} that they are insisting that I pay. Please help me with this matter of utmost importance. My phone number is XXXX my email is XXXXXXXXXXXX

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 09-12-2016 about Debt collection (I do not know) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: we ordered XXXX. in XXXX of XXXX our roomate signed this little XXXX box without my authorization. ( were told anybody over XXXX could sign ) this was a XXXX XXXX credit card. i canceled the order within three days. and returned their equipment. i notified XXXX of the situation and they did an investagation and gave us our money back. XXXX is still trying to charge us ov er XXXX for an illigal usage of the card and i reported the fact that we didnt wish to use their services. i want this to be taken off our credit report and they needto stop sendfing me bills.XXXX agreed with me.

Company response to consumer: Closed with explanation