milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 

My name is : XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX My current phone number is : XXXX Also, my current and only address is : XXXX OH XXXX I HAVE RESIDED HERE FOR 7 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS ALLL OTHER ADDRESSS ON MY REPORT ARE NOT MY PLACE OF RESIDENT PLEASE REOVE THE FLOWING : XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct

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 08/24/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX, a debt collector for XXXX sent mail to me concerning payment that they claim I owe. The debt is for a bill they claim I owe XXXX for service received in XXXX XXXX. The first I have heard of this debt was when XXXX contacted me, which was in XXXX of XXXX. I contacted the New York Better Business Bureau on XXXX XXXX. They referred me to Consumer Financial Protection Bureau -complaint number-XXXX- This was my complaint : I do not agree with the bill sent to me by a XXXX XXXX for XXXX XXXX for services rendered to me almost five ( 5 ) years ago ; especially since I did not live at the location at the time of the billing which I can prove.t. I resent that they waited that length of time to contact me ; and not personally, but through a collection agency. I have tried to fix the issue with Better Business Bureau.

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 09/22/2016 about Credit card () with SYNCHRONY FINANCIAL (NV).
Issue: Other

Complaint: I have XXXX inquiries on my XXXX credit report over a 2 year period from SYNCBPAYPALEXTRAMC XXXX. XXXX XXXX XXXX, Florida XXXX. I have never applied for any credit card through this company. I have called them 4 times to inform them that those inquiries are not mine and asked them to be removed. Each time they promise to remove them and never do. They did put a fraud alert on my account. I have written two letters as well. I received one letter of apology declaring they will remove the inquiries and a second letter stating that they need proof and that the XXXX different credit monitoring programs I use are not proof. They wanted the report directly from the credit bureau. I sent them the exact proof directly from my TransUnion report. Instead of fixing it, on XX/XX/XXXX they added the XXXX inquiry. This has lowered my credit score significantly and is unacceptable as I am going to move soon and can not afford this on my report. These are not mine and I should not be penalized for this SYNC PayPal 's fraudulent practices and lack of a timely solution.

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 11/25/2016 about Debt collection (Auto) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am currently behind in my payments to Harley Davidson motor corporation. They call my phone 6-8 times a day and will not stop even after I have told them I am trying to get the money. This is starting to borderline the attorney point. If this continues I will seek an attorney and sue for damages and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Payday loan () with CNG FINANCIAL CORPORATION (OH).
Issue: Can't contact lender

Complaint: I have a loan with Check N Go. The loan is now at {$870.00} with fees and re-financing, even though it started off at {$500.00}. 

I have refinanced it four times. 
Today, I asked for an extended payment plan, and they said that they do not have to offer one in the State of Ohio. 

I would like to file a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial LLC XXXX informed me by letter on XXXX XXXX 2016 that my XXXX 2016 mortgage payment received XXXX 2016 was returned unpaid. 
In fact, my payment are all made electronically from my checking account. All payment XXXX, XXXX and XXXX were made and all cashed by Ditech according to my Bank. My Bank account statements all show all payments to Ditech made and cashed and no returns. Since XXXX to date XXXX 2016, I have provided Ditech with faxed images of all the checks they cashed and my bank statements reflecting my good faith payments and no returns by Ditech. To date, this issue is unresolved and I am begin to suspect a mortgage scam possibility of an artificially created late payment by Ditech Financial LLC. My Ditech Mortgage Company monthly statement show no such 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 11/18/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: customer service would not help and take care of the negative inquiries reporting to my credit report.

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 06-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I got an following email from Citibank about a promotional offer where-in if I open a citigold account with the promotion code : XXXX and then meet the following requirements, then I 'll be getting the XXXX American Bonus miles after 90 days ( starting from the last statement after the requirements are met ) Requirements : 1. Spend {$1000.00} on the debit card 2. There has to be 2 consecutive bill payments in consecutive 2 months. 

I met both the requirements in XX/XX/2016, then I waited for the statement generated on XXXX XXXX 2016. After that I waited till 90 days ( 3 statements ) i.e the statement generated on XXXX XXXX 2016, still i have n't ' got the XXXX miles. 

After that I called the customer care of Citibank multiple times, escalated the case to supervisor, still nothing happened. Waited for next month statement as well on XXXX XXXX 2016 which was delayed by 2 days and I finally got it on XXXX XXXX 2016, still no miles. 

This is same scenario with couple of my friends as well. 

So I was left with no other choice, but to raise a complaint against these cheaters who make false promises just to attract customers in the beginning and then they never fulfill their promises. 

If I wont get my deserved/earned XXXX American bonus miles, I 'll close my Citibank account and I 'll never open it again. 

Hope you understand my frustration here and help me get my XXXX American miles from Citibank. 

Thanks and regards, XXXX XXXX XXXXXXXXXXXX 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 04-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Refuse to investigate inquiries that I did n't authorize

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (TN).
Issue: Application, originator, mortgage broker

Complaint: I pre qualified for a XXXX loan from wells fargo on a home loan. The house appraised out at XXXX the XXXX mortgage is XXXX, leaving me with XXXX in equity. I am XXXX years old with a credit rating of XXXX. I was jumping through hoops and can document why for this loan. I was ultimately denied because " I do not have enough in savings '' I know it has to be age related. I feel discriminated against ... because anyone with common sense would know that XXXX XXXX still leaves a considerable amount of money on the table.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Received my payoff quote from my lender, Nationstar Mortgage. There is an unusually high " other fee '' amount for {$1700.00}. Called Nationstar, talked with a rep. They said my account was tagged with a " referral fee '' back on XXXX XXXX, 2013. I asked what this " referral fee '' was for. They have no information for me. But it is on my payoff quote. Now, they are sending my request of disclosure to their research department and will get back to me in 7 business days with the details of this " referral fee ''. 
I am 5 weeks into my refi and this throws the breaks on it. This fee can not be rolled into my new loan and I will have to pay it in full at closing and prove that I have the money to do so with bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX reported to TRANS UNION that My account was LATE and in their COLLECTION Dept. 

I was in the midst of a dispute with XXXX over a {$300.00} early termination fee since I was told by a XXXX Customer Service Representative that the cancellation fee would not be imposed since I notified them I wanted to cancel HOWEVER wanted to keep my same home telephone number which may take 7 -10 days to be released. 
The trial period was ONLY 14 days, I called on day 13 to cancel but was told I would not be able to keep my number unless I waited until XXXX released it. 
Thus it would be impossible to terminate service and keep my number ( which I 've had for 23 years ). 
A few days later when i received notice that my number was released I terminated service. 
I received a statement stating I had service for more than 14 days and therefore I would be charged the {$300.00}. 
I spent countless hours trying to speak with representatives and get XXXX to investigate the rep. who assured me the cancellation fee would not be charged. I sent XXXX letters to XXXX disputing the charge. 
Without a XXXX party or fair investigation, XXXX assigned my account to their Collection Dept. 
I disputed the wrongful tactics of XXXX. Preventing me from canceling within 14 days and keeping my 23 year old telephone number. 
XXXX claimed the rep. did not enter the comments into record and therefore the agreement to charge my was valid. 
XXXX should not be able to report my account as in collection while I am disputing the charges. The also should be required to have a third party investigate since XXXX simply denied their representative had told me or had the authority to tell me the early termination fee would be waived while awaiting the release of my home telephone number. 
I have paid IN FULL my account including the {$300.00} and XXXX still refuses to enter a new report to Trans Union without the indication that it was in collection. 
My credit score has suffered, dropping over XXXX points. 
IT is the ONLY adverse information on my credit report. 
Trans Union refuses to remove the collection designation even though it is paid. 
I told them it was reported while I was actively waiting for XXXX to investigate. 
Trans Union " investigated '' and a letter arrived showing that XXXX still shows it was in collection and thus it will not be removed until 2019! 
I want Trans Union to remove the Collection designation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (I do not know) with Brock & Scott, PLLC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: this debt collector was transferred the alleged debt the previous debt collector never verified or validated regarding the old account the CFPB is investigating the Case Number isXXXXXXXX and Case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Diversified Consultant has never that prepared paperwork for the collections before placing it on my credit file. I send them and certified letter and email correspondence request from such information to verify the debt such as contract agreement, charges, and payment history. I have not received any thing back from Diversified Consultants to verify that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: We have had several banks over the years go under or get in trouble and we get sent to a different lender. Some times we pay the payment and then it gets frozen in the other banks account by government and then it takes months to show we paid in the mean time we have proven we made it cause it is on bank statements, yet the new lender would charge us late fees. We went to court over it 2 years ago with XXXX and thought they were to remove the fees move the payments and the new lender was going to lessen the amount since they had increased fees which was not due to anything we had done. Not having a lawyer we could not fight them and so we paid the amount sent to us even though other paperwork we had showed a lessor amount. We would receive foreclose paperwork every month and when I would call they would say disregard it is sent automatically and since we had paid the payment it was no longer actively being pursued. When we asked why our payment was higher than what was agreed upon in court they would give us a comment like taxes went up but when we called clerks office they had not, then it was insurance increase, we called no it was the same. We had a decrease in pay with my husband losing his job after XXXX and being limited to weight he could lift, FMLA ran out and the job let him go saying he could return once his limit increased but they no longer would hold his job. We missed 2 payments I sent in letter saying what had happened and said we would pay those payments over time and we had been, we were paying our monthly payment but we also were getting some late fees each month. We received notice of possible forecloser again so I called again and they said we will cancel it and send out a notice of what was owed to get caught up. When we received it the amount showed XXXX missed payments so I again called. They told me they had declined my last 2 payments and needed to contact XXXX to receive the money. That was for XXXX payments 3 months before. I asked why we had just now been informed and only after I called to find out. XXXX is who sent me a notice I had money to come get not them. We were told we had until XX/XX/XXXX to decide if we wanted to pay the fees of over XXXX and start making payments again or they would proceed with foreclosure yet 3 days later we received court papers for the foreclosure. We want all documents they have to explain all the fees they say we owe and where they got the amount from. Please help us. We did contact a lawyer but they said this was our first step. We have worked so hard over the 10 plus we have been in our home and feel we are being bullied by cooperation. We pay our payments when others just walk away leaving the home we have worked so hard, put our own water lines and electric lines in, did our own XXXX foot driveway, cleared the home site ourselves with a small yard tractor. 
Thank you, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to  XXXX   XXXX    XXXX   Since insurance company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with   XXXX   and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.

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 07-08-2016 about Debt collection (Payday loan) with GC Services Limited Partnership (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Multiple harassing phone calls to myself and family members

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian are not fully investigating accounts. There were doctor bill that was put on my credit in which I had no knowledge of. According to the FACTA section 623 ( a ) ( 7 ) it requires all creditors to collectors to notify you by mail. This did not happen. I ask Experian to provide me with the person 's name they verified the dispute with, the address, the telephone number and the documentation used to verify the dispute. They told me to contact the creditor which I did but no response. I wanted to find out if I can not get an response who are they verifying this information is valid.

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 08-11-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (NC).
Issue: Problems when you are unable to pay

Complaint: I recently purchased a car XX/XX/XXXX. My payment was due XXXX XXXX. I was unable to make the payment on XX/XX/XXXX. The finance company called me 2 times the morning of XXXX XXXX. I missed both calls so I called them back that afternoon. I spoke with a representative and advised her I would make my payment on XXXX XXXX. She asked me why I was late and I told her. I asked her if I could change my due date she told me once I made my first payment I could get that done. I told her I did not have a statement and I needed it to set up an online account. She suggested that I call in the payment since it was already late instead of mailing it and told me what the fee would be. I told her I would and she said great she would note my account accordingly. 
Sunday, XXXX XXXX, I had a missed call from them. 
On Tuesday, XXXX XXXX I had a missed call from them at XXXX XXXX. At XXXX they called again, I picked up the call and advised the female representative that I spoke to someone last Friday and made an arrangement to pay. She said, okay and we disconnected the call. At XXXX they called again. I picked up and told that representative that this was bordering harassment and that I already spoke to someone on Friday and made arrangements, and that I told that to the representative that called earlier that day. 
Today, XXXX XXXX, they called me at XXXX, I picked up, there was brief silence then the call disconnected from the other end. I received another call at XXXX XXXX. I spoke to that representative and advised her about all the other conversations I had. She said if I do n't ID with a representative they can not note my account. I did not tell her I did not ID with the XXXX representatives that called me on XX/XX/XXXX. How would she know if it was not captured systematically? I told her I also spoke with someone on Friday XX/XX/XXXX and made arrangements. She said the representative I spoke to on XX/XX/XXXX did not note my account. 
In 6 days, between XX/XX/XXXX and today, I have had 4 missed calls, made an outbound call, had 4 incoming calls where I spoke to XXXX separate representatives without giving them ID ; XXXX that disconnected shorty after I answered and this last representative who I had an extensive conversation with, like I did with the representative on XX/XX/XXXX totalling 9 Calls in 6 days.

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 12/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an incorrect collection showing on my credit report with the original creditor being XXXX, but reporting as Pinnacle LLC. The original account was supposedly opened in XX/XX/XXXX, and was recorded as delinquent. I disputed the account because it did not belong to me and thought the matter had been resolved. Unfortunately, the account has come back and Pinnacle LLC is showing delinquent with a date of XX/XX/XXXX, pushing the old account forward XXXX Years from the original account date. This is not, nor has this ever been my account and I would like it removed from all of the reporting bureaus.

Company response to consumer: Closed with explanation