milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a BK that we discharged XXXX XXXX XXXX at the time, I was approved for a loan modification to make extra payments over 6 months to bring my mortgage current. i have since made XXXX payments and my mortgage is current. My loan was transferred to Freedom Mortgage in XXXX. 2016. Freedom mortgage is holding my payments and not applying them to my balance. They told me they were waiting for there underwriter to release the funds but in the meantime I am getting foreclosure notices. They are also charging me fees to have inspections done on my home to make sure I have not abandoned it.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been trying for two weeks to get my credit freeze thawed so I can complete a mortgage loan I am working on. I did n't have my security pin so I called Transunion to find out what I needed to do. I was transferred to XXXX where I was told that they would mail me a new pin in XXXX days. I never received the pin, I called back and they said they would mail me another one. I needed the credit freeze thawed so I insisted that I need it done now. I was told they are n't allowed to do that. I asked to talk to a supervisor and I was given the same story. I asked to speak to the supervisor 's boss and I was told I would have be transferred to XXXX. I was transferred and the lady I spoke with said if I sent a fax and a copy of my drivers license that they would thaw my credit. I tried for two days 100 's of times and the fax number is always busy. I called back to the number in XXXX and I was told that they get so many faxes to the number that it is always busy, but to keep trying. It is crazy that a company as big as Transunion ca n't handle a simple credit freeze removal. Only one fax number for 1000 's of customers is definitely customer no service.

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To whom this  may  concern I 've faxed and emailed Equifax regarding my correct name on my credit report on  XXXX   XXXX ,    2017  also  XXXX   XXXX ,  2017  also  XXXX   XXXX ,  2017 . Included with the fax and certified mail to Equifax was a copy of my Identification and Social Security Card. Every month Equifax updates my name as  XXXX   XXXX   XXXX   XXXX . I have no  XXXX  on my name I 'm a Woman. This error is coming from a old debt collector which is  XXXX . I 've called  XXXX  and they always disconnect the line.  XXXX  is listing inaccurate information on my credit report its stating a charge off and the old account has been transferred to  XXXX  and paid and  XXXX  was the original creditor and they havent changed the information on my credit file. They are reporting my name wrong also to Equifax as  XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Medical Data Systems, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX XXXX, I received a phone call from XXXX XXXX XXXX, the collections agency, saying a small medical bill had been sent to them after the medical provider had not received payment. Come to find out, the medical provider had mailed it to the incorrect address and did not attempt to contact me when payment was not received before turning it over to a collections agency. I was in college at the time and thought my parents had taken care of the bill. I found out in XXXX XXXX that the bill had still not been paid, upon which I paid it immediately. XXXX years later, my husband and I are purchasing our first home and are applying for a mortgage. Our mortgage broker notified me that my XXXX XXXX was being severely impacted by the collections claim still appearing on my report. Although the balance shows {$0.00}, XXXX XXXX XXXX is still reporting this to Equifax, which is the score the mortgage broker uses to pull credit. MDS is not reporting it to the other credit bureaus and my scores are above XXXX with them, while my Equifax score is XXXX. Because my credit is so high without the collections claim, I called MDS and spoke to XXXX different people, all of who refused to remove the claim. I also left a voicemail with the head of XXXX who never returned my call. I also called Equifax who told me they have no control over what is reported to them and can not remove it. Obviously, my husband and I are now receiving a worse interest rate on our mortgage because this claim is still being reported XXXX years later.

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 05/16/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Balance transfer

Complaint: I previously had a Home Depot credit card through Citibank. I used it a few times and paid off the balance and then didnt use it in the past year. Unexpectantly I recently received a bill from them and it appears they have transferred debt from my husbands business credit card to my account. My husband 's business has had difficulty and he has some credit cards he has not been able to pay. However his business debt is not my debt - I use my money to pay the mortgage and food bills. I tried calling the Citiback but they want me to give them my phone number, SS #, or account # just to answer my questions about the letter they sent me. I am not willing to give them any of my information as then they will give this information to their debt collectors. How can I resolve this quickly and easily. I am willing to file a lawsuit because creditors seem so evil these days. 
thanksXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: When it was time to start making payments in my loans salliemai would now accept lower payment amounts. They would constantly call me everyday and I would talk to them till I was blue in the face and explain I could n't send a full payment. Finally I stopped answering and now I 'm with navient. They finally agreed to lower my payments for me but it just sucks that I couldbe been making payments tho whole time if I was n't denied before.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian fails to remove the XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly the date of first delinquency for removal. Experian reports incorrectly that this account is scheduled to continue on my report until XXXX 2016 even though I received a XXXX Cancellation of Debt from XXXX. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 11/29/2017 about Debt collection (Auto debt) with McCarthy, Burgess & Wolff, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owe a debt that they repeatedly call about and tell them to stop calling!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Bank account or service (Cashing a check without an account) with JPMORGAN CHASE & CO. (IN).
Issue: Deposits and withdrawals

Complaint: I have a Chase business checking account. I paid a young couple for XXXX XXXX dollars by check on that account. When they cashed my check at my Chase bank they were charged XXXX dollars for using my money. 
This kind of banking targets those in our society who can least afford it and who probably least understand this kind of banking. 
Actually I do not understand how my bank can profit off my money. 
I am sure this is " legal '' it is not moral.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit card () with DISCOVER BANK (PA).
Issue: Closing/Cancelling account

Complaint: discover card refuse a payment agreement violated my privacy and did not close the account i did n't own discover card when i told them to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Credit card) with GRYPHON CORP. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was notify by my credit union of the writ of garnishment. They have put a hold on my account and my step-father account too. I do not recall this credit card account. I did not receive either notice of either kind. The debt collector paid the amount owed or make a settlement offer. I repeat I do not recall this account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Medical) with Senex Services Corp. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: these bills were made when I was taken by the XXXX to the hospital for XXXX. I was found to be legally XXXX XXXX/XXXX/2011 and recieved medicaid that paid all my medical bills up to two years before I recieved medicaid. I also filled out the hospital charity form that was supposed to pay as much as XXXX % of the bills. As you can see by the differant dates I went to the hospital more than once and filled out that form each time. I submited the bills to medicaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Problems caused by my funds being low

Complaint: Well Fargo is charging me XXXX in just overdraft fees. Why does a billion dollar company which continuously denied my transactions think they deserve to collect money for denied transactions

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Debt was purchased for profit and is not valid or verfified, company is also in voliation of FDCPA, FCRS and CONSUMER LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed him that XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for this account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account he pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am sending this letter in regards to the fraudulent accounts your company listed on my credit report. I am disputing the accoutns as internal disputes, and I am sending this letter as an affidavit. The accounts seem to be an error and I am demanding that you remove the accounts within 48 hours of receipt. According to HIPPA you have violated my rights and have violated my rights within the FCRA sections 609, 611, 612. I have contacted you several times about this incident and you have ignored my certified letters from the past dating back since 120 days ago. I really dont appreciate how your company is treating me as a consumer and I have contacted the FTC, and my attorney generals office. My next step is to go file a lawsuit upon your response. I dont appreciate the disprespect and the ignoring you have done. The fraudulent/error accounts that your have been reporting are XXXX XXXX, XXXX XXXX XXXX XXXX. I also noticed fraudulent inquiries as well and I am unaware of the errors you are reporting. XXXX 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 6XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX XXXX 1XXXX XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7.XXXX XXXXXXXX 8. XXXX 9. XXXX EXPERIAN :

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 08/26/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Making/receiving payments, sending money

Complaint: I wrote a check to a university for {$370.00}. It was stolen and the perpetrator added a " XXXX '' in front of my " {$370.00} '' cashing the check for {$1300.00}. This happened XXXX XXXX. My bank credited my account for {$1000.00} almost immediately. I had to fight to get my {$370.00} back. Although obvious fraud, my bank filed this as an " encoding '' error. Therefor, the my bank debited the {$1000.00} they had credited me on XXXX. Took money back XXXX. No advance warning, nothing. Obviously, the bank moved money from my savings to cover funds shortage for bills, etc. Going into month 4. Fraud, not my fault, but my bank has n't given me my $ $ $ $ back!

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Other mortgage) with UMPQUA HOLDINGS CORPORATION (CA).
Issue: Settlement process and costs

Complaint: last year I applied for a loan with Umpqua bank ( actually sent a complaint to CFPB on the loan officer last year ) and rescinded the loan the day after I signed since it was not the terms I was told it was. 
Recently my husband and I decided to do a refinance and found out that Umpqua bank recorded a XXXX on my home. As you can imagine I was so upset. I have been dealing with them for the past week, and they are trying to fix it however has not happened yet. 
That is illegal and should not have happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Trouble during payment process

Complaint: Greetings! I am filing an official complaint against Select Portfolio Servicing , Inc., XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX for continuing lies and unprofessional attitude. I have an existing loan with SPS - XXXX and I have set up an automatic bill pay with my banking institution. In XXXX I made an accidental double payment in the amount of {$3500.00}. Once I discovered my error, I promptly contacted them and requested that they wire me back the money to my bank account on record, and have faxed them numerous times all the pertinent information - XXXX routing number, account number and the contact information of my banking institution. The last week has been, mildly speaking - XXXX on earth. Different reps telling me different stories, tossing me around from extension to extension, putting me indefinitely on hold and just dropping the connection at will. So, finally, they promised that today, XXXX I will have the check overnighted. To me, such an attitude where you tell your paying customer a whole bunch of lies and just never bothering to do the right things is just unacceptable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Billing disputes

Complaint: I was an authorized user on my soon to be ex husband 's Amex card. He charged {$270000.00} on the card without the card being present. Three times the credit limit. He will not pay them. Amex has called me XXXX4 times a day demanding that I pay his charges. I told them I was not joint on the card and not liable. They then reported his delinquent charges on my credit report. They removed the info on the credit report when I told them they were in violation of the FCRA. Then they suspended my individual Amex card without notice. I have always paid it in full and have excellent credit. When I called they told me unless I provided financial info including tax records on my soon to be ex husband ( divorce should be final XXXX ), they would cancel my card. I cancelled the card myself. I feel that they have harassed me, violated Federal law and attempted to get me to provide illegal information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: I mailed a certified USD XXXX check to BBVS Compass ( where Simple ) holds their accounts. It was delivered by XXXX and signed for. In the meantime they lost the check and have not deposited the amount, and does not respond to inquiries about the status of the case.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Medical) with Professional Medical Management, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Bill was received for a test or lab work that I never took part in. I notified debt collector ( Financial Recoveries, XXXX New Jersey ) within 30 days that I disputed the debt. I asked them for proof of medical tests performed. They did not provide that proof, instead mailed me a print out of medical codes from a screen on their computer. In less than 30 days of the debt collector sending me the first letter they had already reported it to credit companies. ( Letter mailed to me XXXX/XXXX/2015 late charge filed on my FICO score XXXX/XXXX/2015 ). 

The bill is for " Lab Work '' from XXXX Hospital. I HAD NO LAB WORK DONE! They said my XXXX filed it. I never agreed to this. No labs were ran, and no results provided. I called the hospital and they had no records of any lab work. The debt was only {$170.00} and now my credit score has taken an unnecessary hit. I was unaware they reported the debt to FICO until my score dropped and I had to look into it. I was unaware they reported it because other than the second letter they sent me which only contained a print out of medical coding screens, they never attempted to collect the debt again. So I was left to believe my letter disputing the debt must have proven to them that it was invalid and they dropped the claim. 

I am just a hard working individual that pays what he owes in life. If this was a valid debt I would have most certainly paid it. This is unbelievable. 

I have medical insurance and my deductible had already been met for the year. My insurance company was confused to this bill when I contacted them as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 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: Information belongs to someone else

Complaint: In mid XXXX XXXX, I filed a written dispute with TransUnion, XXXX, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt XXXX verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt XXXX or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

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