milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Debt collection (Medical debt) with Herbert P. Sears Co., Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This collection agency, HP Sears, has listed a collection account on my credit file. I have never done business with HP Sears. I do n't have a signed contract nor any other type of contract with HP Sears. I have the right to demand to see a signed contract between myself and this company. <P/>Also as of XX/XX/2017, based on the Nevada government website for financial institutions ( fid.nv.gov ), HP Sears does not currently have a valid license in the state of Nevada to collect on debts. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and HP Sears. I also request to receive physical proof that HP Sears is licensed to collect on debts in Nevada.

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 12-04-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: THIS IS NOT MY BILL, IVE EXPLAINED THIS SEVERAL TIMES AND IM STILL FIGHTING WITH THIS, IVE HAD HEALTH INSURANCE FOR OVER 10 YEARS STRAIGHT, THIS IS N'T MY BILL, THIS DEBT HAS BE TRANSFERRED TO NUMEROUS COLLECTION AGENCY OF THE YEARS {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (OH).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was sent a letter from a law firm in XXXX, stating that I violated a statute in XXXX County, Florida. I live in XXXX, Ohio and have never been in XXXX County, Florida. The law firm is Linebarger, Goggan Blair and Sampson. The letter was sent from a XXXX XXXX, who is not an attorney registered in the State of Ohio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called Midland Fund to find out what the debt is for and they have no record of the account for which I was calling about. I do n't show up in there system.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: My bank periodically does not allow me to log in to my account, and at times it takes up to 3 months before they are able to fix the problem. This lack of access to my account does not allow me to access information or make any transactions other than use my ATM card. I never had this problem under my old bank. It only started when that bank was taken over. From what I have been reading, the present bank has fraudulently been using some of their customers ' money to open unauthorized accounts. I have been told that I can make a wire transfer of funds, but that would cost me {$40.00}, which I would not have to pay if I had access to my online account. This appears like a way for the bank to charge me an unnecessary fee.

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 08/17/2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Between XX/XX/XXXX and XX/XX/XXXX my credit score dropped from XXXX to XXXX. The credit company states that this is due to : a derogatory public record or collection filed. I have never received any legal documents to verify this claim via the mail or otherwise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (FHA mortgage) with MORTGAGE SOLUTIONS OF COLORADO (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage Solutions of Colorado LLC. asked me to send them my complete financial information via fax and/or emai, in which we did. I do have a sale date of XXXX XXXX, 2016 and I have called Mortgage Solutions of Colorado LLC. to check status on my file, and my sale date. I just spoke with XXXX a representative in the Loss Mitigation Department on behalf of Mortgage Solutions of Colorado LLC. and was informed my file is complete and was forward to the processing department and is currently in line for review. However when I asked about the sale date XXXX informed me they, Mortgage Solutions of Colorado , LLC, do NOT postpone sale dates until the package is complete. XXXX XXXX she just told me my file was complete and because of the completion the file was forward for underwriting and asked her to correct me if I am wrong? XXXX placed me on hold and came back on the line to inform me they will try to review my file and I can call back tomorrow to check status on my file and see if they did not sell my property. I explained my sale date is tomorrow, how does she want me to wait specially when she just told me the file is complete and this is why it was forward already for review. I asked to speak with a supervisor and was transferred to the collection department, whom then transferred me to the loss mitigation department whom transferred me back to the main menu.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Ditech from XXXX XXXX located here in XXXX, Ohio. I have contacted Ditech to inquire how to have my mortgage re-cast, and I consistently receive emails and letters through the mail stating that my inquiry is under review. I believe this option to re-cast falls under the prepayment category of the mortgage under which it is written I am free to prepay at any time. Ditech continues to delay allowing me to re-cast, thereby preventing me from lowering my monthly payments as I desire to do. This has gone on over three months now. Please let me know how I can get better service from this lender. I wish my loan had never been sold to them. I chose a local lender in the first place to prevent this kind of problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing disputes

Complaint: I request to block merchant to charge from my account in XXXX 2015, My credit was closed in XXXX 2015. But merchant still can charge me from my closing account for past two month. Chase told me that I need keeping watching my account for future charge. My account was closed already.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit card () with U.S. BANCORP (IL).
Issue: Other

Complaint: I have a credit balance on my credit card. I contacted USBANK both by email and by phone and requested that the bank to send me a check for that balance but they refuse to issue the check. They say they are " researching '' it! The money has been in my account for 10 days and I requested it on XX/XX/XXXX by email and phoned the bank on XX/XX/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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (IL).
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: I leased a XXXX Toyota Rav4. I had to pay my first lease payment when I leased the vehicle. Toyota Financial is stating they are reporting all payments to all major credit bureaus. When I got my annual  credit report this year, I noticed my first car payment was not reported on my XXXX Credit Reporting Agency. In addition to my first car lease payment was not reported on my XXXX Credit Reporting Agency. I first attempted to repair the inaccuracies with Toyota Financial Services, who  sent me a history report that shows a first payment was made of {$320.00}. In XX/XX/XXXX I disputed the inaccuracies with XXXX Credit Reporting Agency and with XXXX. I received my XXXX  Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe Toyota Financial more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to Toyota Financial Services on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. XXXX placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Checking or savings account (Savings account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I have XXXX savings accounts with USAA. In XXXX and XXXX of XXXX, they debited my accounts in error. It took several phone calls & several hours on hold, but on XXXX XXXX, XXXX, a USAA rep told me that my accounts would be credited back for the unauthorized debits with effective dates retroactive to the dates the errors occurred & that the interest earned on both accounts would be corrected to reflect the correct balances for XXXX and XXXX without their errors. I was told the corrections would take 3-5 business days. Finally, the errors were reversed ... but using the date XXXX XXXX, XXXX, not the dates the errors occurred. The interest was not recalculated. 
I have, again, spent hours on the phone trying to get my accounts corrected to show the proper interest I was due. ( XXXX XXXX, XXXX, was my last phone call concerning this. ) My accounts have not been adjusted for the correct interest earned as of today, XXXX XXXX, XXXX. 
The amounts involved are minimal, but it is my money, not theirs! I wonder how may other accounts have had errors with USAA cumulatively earning many dollars in ill-gotten profits from this practice. 
I do not have the capability of attaching documents to this complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2018 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (CT).
Issue: Trouble during payment process

Complaint: We filed multiple disputes regarding XXXX XXXX XXXX XXXX, our original lender and M & T Bank, the bank that acquired both XXXX and our loan on XX/XX/XXXX M & T 's XX/XX/XXXX letter was non-responsive. They have no addressed concerns or fixed the mortgage errors I sent M & T a letter directly disputing their XX/XX/XXXX Letter

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 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDFIRST BANK (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a mortgage showing on my XXXX credit file from XXXX XXXX. This mortgage was obtained in XX/XX/2002 by my mother. We both have the same name and I'm certain this is probably why her mortgage is was mistakenly placed on my report. The mortgage is not negatively affecting my report, however I am now trying to obtain a mortgage myself and this is causing a problem for me. When the home was purchased I was only XXXX old at the time which would make it impossible for my to obtain a mortgage, I was only in the XXXX grade. I have made attempts to have this removed so that I can start my home buying process but it has been a hassle. My mother and I do have the same name, however our social security numbers, age, and other things will verify that this mortgage DOES NOT belong to me and I am requesting that it is removed from my XXXX  report and any other report it may be reporting on.

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 01-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The account from XXXX does not belong to me I have disputed to no end but no help

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 12/29/2016 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In 2014, our mortgage was sold to Bayview Loan Servicing , LLC . Since the recession of XX/XX/XXXX-XX/XX/XXXX, we have had difficulty paying our bills on time. Regarding our mortgage, the payment is due on the XXXX of the month, and we usually pay by XX/XX/XXXX, before a late fee is charged. There have been months where we were behind by 30 days, but have caught up. The company always calls us after the XXXX of the month, with multiple phone calls, until we pay. Recently, they did not receive our homeowner 's insurance information and set up an escrow account, thereby increasing our monthly payments. The insurance has been resolved and we have paid all of our monthly mortgage payments. Because of the escrow account, they are not applying the amount that we pay to the mortgage, but to the escrow account. When I called to make the XX/XX/XXXX and XX/XX/XXXX mortgage payment, they say that I am delinquent on my account. I have spent numerous hours on the phone trying to resolve this issue. I just sent an overnight letter cancelling the escrow account - even though I never asked them to put it on the account - as they told me that was the only way to resolve it. My main complaint is I want the phone calls to STOP. We feel that Bayview Loan is targeting us because my husband is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting a XXXX account that has been taken out through identity theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I get paid every Friday, into my Wells Fargo account. I pay my bills by bill pay on Fridays, but for some reason, Wells Fargo does not send my bills out in a timely fashion ( there 's no telling when they will send the payment ), and as a result I have ended up with three overdraft fees which the bank has refused to refund.

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I just got off the phone with the  XXXX   XXXX   XXXX   XXXX  who has verified that the  XXXX   XXXX  that Equifax is showing on my credit report is paid, closed and since it was opened in   XXXX  , is over  15 years old. E quifax is reporting old negative activity on my report and I want it removed IMMEDIATELY. This reporting has cost me a job opportunity. If it 's not removed immediately I will resort to hiring an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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  reported that I paid my mortgage 30 days late, when in fact if was only 29 days. They refuse to remove it from the 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 07/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XXXX I opened a checking account using code XXXX, which I got from Citibank 's website. I have a screenshot of the offer.The terms of the offer stated if I made a deposit of {$50000.00} within 30 days of account opening and left it for the next 30 days, I would have a {$500.00} bonus deposited to my account. I made a {$50000.00} deposit 12 days later and left all of it there for over the next 60 days. I asked about the offer over the phone. I got a secure message on XXXX that the bonus would be posted within 90 days of the offer fulfillment, which would have been XXXX plus 90 days. It was never posted. I called again on XXXX and was told that they would have to research it ( XXXX ). The rep on the phone said if I did n't hear anything in XXXX or 4 days to call back and give them that number and they would expedite. I called back 5 days later and was told the same thing, that they would expedite the research. I called again today for the third time in 2 weeks, and was told again to wait while they expedited. I see from looking at the CFPB database that this appears to be a common complaint. If I had known this, I would not have even bothered to open the account. I have had a Citibank credit card since XXXX, a loyal customer for the past 29 years, just not a checking account with them. I was impressed with their quick response to my phone call in XXXX. I am disappointed with the lack of response to my last calls. It almost seems like a stall tactic now.

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 02-08-2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian online dispute system stated all documents were received. After 2 weeks XXXX & XXXX had updated the item as judgment satisfied. I checked my credit report with Experian it was still on the report and did n't show in disputed status. I called them and was told they never received anything form me or no uploads to there site were found. The customer service person entered the dispute and my complaint about the system on XXXX/XXXX/16. She stated they would call me on XXXX/XXXX/16 between XXXX-XXXX. I never received the phone call. I called Experian back, I talked to a different agent and was told it could take 30 more days to do the dispute and they did not have time for call backs. He would re-file my complaint about there system but that they were not responsible for the website that was another departments issue. They stated if the system does n't show an upload they would not investigate the issue and were not responsible for information entered on the site. This is complete mishandling of PII ( Full name, SSN & DOB ), especially from a credit bureau. According to their representatives they are not responsible for any information that you give them over the phone or via their web-site. How is this possible? I request information into what happened with my PII and my claim file via there websites on-line dispute center and document upload site. I also would like the dispute done with XX/XX/XXXX-XX/XX/2016, due to the miss handling of my online dispute and PII.

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 (I do not know) with Receivables Performance Management, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company has been calling me all week. When I tried answering the first two times, there was no one on the line or I could not hear them. Then on XX/XX/XXXX at XXXX when they called, I answered and talked to a person. This heavily accented person asked for someone other than me. I said that he had the wrong number and that I didn't appreciate this company calling me two times per day everyday. I told him to remove my number from their calling list. Then he started asking if I know the person he was trying to call. I asked where he was calling from and he said something like XXXX XXXX or something. I told him that I am not that person and to take me off their list ; that they have the wrong number. My request has been ignored. They called my cell phone again that night at XXXX XXXX. and called me yesterday at XXXX and again at 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