milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My date of birth is incorrect in my credit report. It has my date of the birth year as XXXX and I was born in XXXX. Anything that happened or that is shown on my credit report is not my responsibility. Plese make these corrections to show correctly on all XXXX major credit bureaus.

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 10-12-2016 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: FIRST FEDERAL CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FIRST FEDERAL CREDIT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FIRST FEDERAL CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX 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 10-08-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is against Green Tree Servicing. While they were the holders of our mortgage note we were having financial difficulties. I tried explaining this issue to them and they would n't hear any of it. They contacted me multiple times daily when I was late with very bad attitudes and abusive language they even contacted my neighbor when I was late and told her that I was late making my payments and left a message with her to call them. My husband and I were mortified, this was truly one of the most embrassing things that has ever happened to us. Not only were we struggling to pay bills, but trying to find a decent paying job in our community which paid a living wage. We felt defeated! We had no choice but to stay with this company since our credit had taken a beating. We are still suffering from the repercussions of the economy, our credit took a beating. We did manage to save our home as well as our vehicles. I have also asked about items that our on the monthly bill and never received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX can get away with identity theft to alter documents and sell that loan with the altered documents

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Medical) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company XXXX, is report a debt is not mine that need to be remove off my credit report. There is XXXX account XXXX is {$190.00} and the other is XXXX balance but is report in a negative report against me. I sent this company a request for Validation of this debt. But as I stated in the letter if no respond in XXXX must be remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm currently paying a loan by the month and i did get things caught up.But the loan company continues to harass me with phone calls and threatening me with legal action! I am currently on XXXX benefits with a XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Portland Credit Inc (OR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have a debt with a company that my ex wife works for. I also currently have a garnishment order in place through my employer for the debt. I found out by checking my account balance that the company she works for has garnished my hsa ( health savings account ) which is an exempt account for the debt. My ex wife is the only person that knows about that account since I use it to pay our children 's medical bills. I called the medical facility and was told that she was given account information and receipts of my medical payments. This is a violation of fdcpa procedures and a violation of my privacy to use personal information to obtain payments for my debt. This is not the first time my information has been acquired either. I have also obtained new phone numbers since my debt has been with her company and she has obtained the phone numbers without me providing them to her. My personal information is being shared throughout her agency. I have called and complained already regarding the phone numbers she obtained with no resolve. None of my garnishment paperwork shows anything about my hsa account either.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I entered into a modification and assumption agreement on a property from my daughter 's estate ( attached ). Ocwen sent my paperwork to an attorney who was no longer my attorney. I did not want the attorney office involved in or having knowledge of my personal affairs because they made a mess of my finances preying upon me and financially exploiting me. I am a senior citizen and Ocwen has taken advantage of me. 

I finally got the paper work returned to me signed it and returned it to Ocwen with the first payment that was due. I have made the payments. Ocwen lied about the terms of the assumption and modification. Someone sent me a copy of the numbers used for underwriting telling me to check into it something is wrong ( attached ). 

Ocwen is telling me they gave me a XXXX dollar credit, when infact they tacked on XXXX XXXX or more to the loan and added a {$5000.00} balloon payment at the end of the loan. In addition, Ocwen added a bunch of junk charges {$3800.00} to the loan XX/XX/XXXX that were supposed to be removed when the loan was modified and assumed by me. This has never happened. I'm in a trial period where payments are current but I'm also in foreclosure, and Ocwen is trying to transfer the loan to XXXX XXXX? 

Ocwen has totally ruined this entire mortgage loan and assumption with their deceit and lies. I have tried contacting the relationship manager assigned to me, XXXX XXXX but have never been able to speak with him. I started writing down names because no one is calling me back or trying to correct these servicing issues. 

Ocwen is trying to transfer my loan to " XXXX XXXX '' to cover everything up. I spoke with XXXX XXXX, and he asked me who told me there was a baloon payment at the end of the loan and how did I find out?. XXXX XXXX has never called me back or addressed the problem. When I tried calling back I got XXXX XXXX who hung up on me because she did not know what to do and would not get someone who might have known. Ocwen can not transfer this loan until these servicing errors and numbers have been corrected. I requested a payment statement XX/XX/XXXX and have yet to receive it. There were payments made that were not credited to the mortgage account. 

These mortgage companies are worse now than they have ever been and there seems to be little if any recourse for the consumer.

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 11-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Wells Fargo Credit card ( Cash Wise Card ) did n't pay rewards ( cash back ) on my account with the total amount of {$220.00}. 
Wells Fargo Cash Wise Visa Card stated that : '' When you use your new card to make {$1000.00} in purchase in the first 3 month, you earn a {$200.00} cash rewards bonus '', and " Unlimited 1.5 % on any purchase ''. 
On 1st statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$740.00} On 2nd statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$300.00} On 3rd statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$410.00} On the first 3 months I have used my new Wells Fargo Cash Wise Visa card to purchased more than {$1000.00} as shown above. 
I earned {$200.00} bonus rewards cash back and {$22.00} of unlimited 1.5 % cash back on any purchased. 
I called Wells Fargo Credit Card company to ask them to pay me reward cash back with the total amount of {$220.00}, but Wells Fargo Credit Card company refused to pay my reward cash back with the mount of {$220.00}.

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 03/22/2018 about Vehicle loan or lease (Loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: BMO Harris repossessed 6 vehicles. One of them was not even financed by them. I owe month of XX/XX/XXXX and I told them we would pay them in full to be current. They will not hear nothing of it. I estimate I have paid out XXXX if the XXXX XXXX dollar price tag and just like that I loose all I have worked for. This is over a two and a half year period. Dealing with these guys is a rip off. I strongly urge consumers to stay away from BMO Harris for financing needs. I told them I was not going to lose my investment and i would send funds to get us current and then they said they were adding 7000 plus for fees related to repossession. Buyer beware!

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 05-01-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX  put my account into collections after I was forced to close the account due to multiple billing errors and service issues. Was told several times remaining amount {$88.00} would be waived due to inconvenience and in show of good faith. Then after finding out later that indeed had not taken place and account was now in collections I called several times to try to resolve this with customer care but was told it was out of their hands. Then after a period of time interest occurred resulting in current amounted. My credit was completely ruined by this error and I am highly upset by the broken promise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On Monday XX/XX/XXXX i deposited a check in the amount of {$2700.00} to my Bank of America checking account. On Tuesday i looked at my account and the deposit went through without a hitch. I started withdrawing funds from this check. On Wednesday Bank of America received notice from tbe check 's bank that the check was probably not going to clear. Wednesday i had made two online payments not knowing my bank decided to put a hold on this check. When i came home that evening and looked ay my checking account i was horrified to see that my account was overdrawn. The bank decided on Wednesday to put a hold on the account. I do not have a history of accepting bad checks or writing bad checks. If we went through my account we would probably find that the only time i was charged an NSF fee was when someone took money out of my account that i did not authorize. As of this date i have received absolutely nothing that there was a problem with this check. It is through my own vigilance thst i even know about it. My dilligence had the money replaced with a wire transfer on Friday, XX/XX/XXXX. The bank has charged me two NSF fees for the two checks i wrote on Wednesday. I do not think this is fair. The bank should have put a hold  on the check on Tuesday at the very latest. On Tuesday it did not appear that the bank was going to place a hold on it. How was i supposed to know not to write checks when they put the hold on the check on Wednesday? As i have already stated, i have received absolutely nothing from the bank letting me know there was a probkem woth the check. If i was not vigilant with my account, i could easily still be writing checks. Once i saw the hold, i did not write any more checks. I believe the bank should refund the two NSF fees. I spoke with a XXXX XXXX on Wednesday XX/XX/XXXX He is a supervisor in the California office. I have thought long and hard on whether this next statement is true. I truly believe it is. I thought he was noting the account not to charge me NSF fees, but there is nothing in the notes stating this. Yesterday i left a message for him to call ne. He has not done so yet.

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 07/18/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have asked  Portfolio Revovery Associates, LLC  to send me verification that this bill is mine and all they send me was a bill. I need verification such as a contact or signature stating that I had this bill. I received a  Bill . This was    XXXX   XXXX   ,  2013   .

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SOUTHERN MANAGEMENT CORP. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: After receiving a letter of representation from my attorney, the creditor continued to communicate with me instead of my attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: The  Wells Fargo   XXXX   XXXX  branch  in   XXXX   XXXX  , New Jerse y permitted an unauthorized individual to open an account in lat e  XX/XX/XXXX  or early    XXXX   XXXX   XXXX  . The individu al stole a business check which had been issued by a vendor of the business to the business. That check was used to open the account. The bank never requested any documentation ( resolution or other documentation ) to su bstantiate that the individual had authority to act on behalf of the business. The bank branch employees permitted the individaul to withdraw the entire {$9000.00} sum from the account. The business was deprived of its monies.   
Efforts to resolve the matter with Wells Fargo have   been fruitless and the attorney 's letter ignored.

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 01/31/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: I applied for a BUSINESS card for my CORPORATION only to find out that the Citibank ran a credit check on my individual credit. I did not authorize them to do that. When someone applies for a corporate card with its own tax id number then the bank should utilize the information and run credit on that legal entity applying for the credit. The entity has been in business for over 18 years and if the bank does n't want to provide credit to the entity that is fine but they had no right to run credit under my personal information since I was not applying for credit personally. This has a negative effect on my credit score since it reflects as if I personally applied for credit and reduces my personal credit score which has nothing to do with my corporation. That is the reason they call it a BUSINESS CARD and not a regular credit card. This conduct of bank is not justified and should be stopped.

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 11/15/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had checked my credit report and seen a couple on there that I never got notice about. I contacted the company and XXXX answered requested validation of the debt he said he did not have to and hung up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting on my credit report under a account that is not mine : XXXX XXXX BANK. On XXXX/XXXX/2016, I requested Equifax to validate this information with XXXX XXXX BANK and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). I again sent another letter to Equifax USPS Certified Mail item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). Equifax has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Equifax had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On  XXXX   XXXX  I purchased airline tickets on the  AMEX Travel we bsite for tickets to  XXXX  for myself and  XXXX   year old g randdaughter. The fare for my granddaughter 's ticket was {$1300.00} The date of travel was  XXXX   XXXX ,  XXXX . When checking for departure at  XXXX  on  XXXX   XXXX , I was told that my grandaughters ticket was not valid and the fare was returned to AMEX. I was told that in order to take my granddaughter with me to  XXXX  that I had to buy a replacement ticket on the spot for {$2300.00} for same day travel. I had no choice and purchased the replacement ticket. I have been claiming a refund f rom AMEX for the difference between the ticket fare AMEX sold   me and the fare I had to pay {$990.00} since  XXXX   XXXX  and without resolution.     My position is that the  Amex trave l website states they are a travel service so my expectation was that if there was a problem with the services sold to me that I would have been alerted in advance instead of blind sided at the ticket counter. I have been a n AMEX cardmember sin ce  XXXX  and expected tha t AMEX w ould take responsibility for the processing error but this has not been the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/14/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My home flooded on XX/XX/2016. I got a check from my insurance company in XXXX. It was mailed to Bank of America in XXXX. They are showing it as XX/XX/XXXX ; however, my contractor has a receipt dated earlier than that. It was lost somewhere in BOA processing prior to XX/XX/XXXX. I did receive about XXXX from them but have n't received anything else. I need my first draw that was clearly outlined in all the documentation they required. My contractor will not start without a draw up front to order materials. My family has lived in a camper for 7 months. I have XXXX children that need their home repaired. Each time I call BOA, the loss claims department tells me it is being reviewed, processed or examined. Today, they told me it is an FHA loan and is being reviewed by the FHA. We are current on our loan. I am not sure why it requires such an examination for me to get my insurance proceeds. I need this process to be expedited, so we have a place to live again.

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