milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I contacted transunion asking them to provide me with information regarding my bankruptcy and how they received my information I 've sent them letter and have n't gotten a response I contacted the bankruptcy court asking them how do they share information and do the report to any credit bureau agencies or third party they informed me over the phone that they do n't I 've ask if they can send me that in righting but they said they did n't it is to my knowledge that a credit bureau agencies can not receive any information from my bankruptcy from any other source only from the bankruptcy court and that they are to provide me with the information on how they verify my bankruptcy they have yet to respond I 've tried several time according to the fcra section XXXX they are required to send me proof of how my information was received and they have 15 days from the letter to respond but still nothing they told me over the phone they do n't have to submit me with that but I know that is untrue please 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 01-03-2018 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The debt posted below and attempt to obtain pass due balance is false. I notified the company that the debt does not belong to me. To please send proof of any debt or validation with my signature. I have yet to received any information. I am asking for the company to remove the debt and have no further communication with me going forward. The debt does not belong to me. I no valid contract with the creditor " No Contract '' I am not legally responsible for the seeing as it does nit belong to me. 

When speaking with the CSR i was told they may not be able to obtain any original record for my viewing to prove and validation that the debt belongs to me. I have yet to have any mailing response. 

Please remove all false attempts to collect debt. I have reached out to XXXX to remove the fraudulent information. 


DEBT RECOVERY SOLUTIONS , LLC Last reported : XXXX XXXX, 2017 - {$980.00} Needs Attention Overview You 've paid off 0 % of your collection amount. 
Balance {$980.00} Highest Balance {$980.00} Opened XXXX XXXX, 2017 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Medical Collection account Original Creditor Name XXXX XXXX XXXX XXXX See an error? 
You could dispute an error with XXXX. 


Creditor Information DEBT RECOVERY SOLUTIONS , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I attempted to access the payment history on my account and received a message that stated, " Please call the Bankruptcy Department at XXXX for assistance. '' On XX/XX/XXXX I called the number above and was transferred to XXXX XXXX XXXX, which is a third party company that handles all bankruptcy accounts for Ditech Financial. I spoke with XXXX XXXX xt XXXX, a representative for XXXX XXXX XXXX. XXXX XXXX informed me that my case was showing that I was still in bankruptcy. I informed XXXX XXXX that my bankruptcy had been discharged in XX/XX/XXXX. She placed me on hold and researched and found that my bankruptcy had been discharged XX/XX/XXXX. She stated that her company should not have received my account because they began handling all bankruptcy cases for Ditech Financial on XX/XX/XXXX. I asked how long would it take to remove the bankruptcy from my account. XXXX XXXX stated 3 months for Ditech to audit the account. I asked for a supervisor and was transferred to XXXX XXXX ( he did not give me a last name ). He stated that what XXXX XXXX had previously stated was true and he apologized for the inconvenience. He agreed to escalate the case and told me that he would contact the Consumer Financial Protection Bureau and file a formal complaint. My concern is that I can not contact Ditech Financial directly because my account status remains in bankruptcy and all of my calls route directly to XXXX XXXX XXXX. I am also concerned that a third party company has received my personal account information in error. Both Ditech Financial and XXXX XXXX XXXX were negligent. Ditech Financial was negligent because my account should have never been sent to XXXX XXXX XXXX. XXXX XXXX XXXX was  negligent because they never reviewed my account to see if it was in bankruptcy. XXXX XXXX told me that I can check back any time to check on the status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Other

Complaint: They call XXXX times a day donot leave a message and are not in america

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2016 about Credit card () with CITIBANK, N.A. (AL).
Issue: Late fee

Complaint: I 've been a Citi credit card member for years. In XXXX 2016, I was late for my payment ( due on XXXX XXXX ) because I thought I already scheduled a payment but actually I did n't. When I realized it, I paid all my balance on XXXX XXXX. Since this is the first time I was late for my payment, I was hoping Citi can waive the late payment fee as a goodwill to a customer who is always making payment on time for years. I called the customer service and was told they can issue a credit for the late payment fee after the payment is posted. But when I called them again, XXXX days after the payment posted, I was told they ca n't have the late payment fee waived or credited.

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 07/13/2017 about Debt collection (Medical debt) with Russell Collection Agency, Inc (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Russel Collection Agency in XXXX MI has reported 4 accounts to my XXXX credit report. These four accounts appear to be from ONE medical bill but have duplicated as 4. They refuse to provide me proof that I in fact owe this debt. I do not recall ever using the services of the XXXX XXXX XXXX that they are collecting for. I have sent multiple requests in writing to them asking for debt verification and proofs to be sent to me. I have not received anything back from them. I had never received a bill or anything from the XXXX XXXX XXXX. My medical insurance would have paid the bill had a bill ever been sent out to me or my insurance. I would also like to point out if someone did have a bill with this medical center it would be ONE account and not FOUR as was reported to my credit report. I have also filed Bankruptcy and since they would not send verification of this debt or remove it from my credit report it was added into my bankruptcy. So the account shows a XXXX balance on my credit report HOWEVER it is still showing up as FOUR collection accounts and as an open file. Since I filed bankruptcy the file would be closed. I do not owe this debt and it is not right for them to continue to report that I do and refuse to provide me with proof and refuse to remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: In response to the XXXX security breach, I attempted to place a freeze on my credit report with Experian and XXXX and got messages from both that it would cost me {$10.00} to do so because I live in Virginia. This is XXXX. XXXX did n't charged me to place a freeze on my credit. Furthermore, this whole mess is XXXX XXXX fault. XXXX is the one that allowed this breach to occur and it should pay for all consumers to protect themselves and any losses they incur as a result. I should not have to pay Experian 's or XXXX XXXX {$10.00} charge and I wo n't. So, if my credit is stolen as a result of my inability to place a freeze on my credit I will be suing both Experian and XXXX along with 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 12-11-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/2013 around XXXX in California time I was at a shopping mall trying on some clothes when I received an email alert on my mobile phone stating that a {$200.00} withdraw was made from my chase debit account. So I checked my purse and my debit was still in my possession while a withdraw was made. I called the bank to complain about the matter and they turned me down twice even though I had supporting receipts stating that I was using my debit card in a city no where near where the atm withdraw was made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: There are 4 accounts on my Transunion credit reports that do not belong to me. I have disputed these accounts, Was sent notices that the accounts have been verified. They CAN NOT verify accounts as mine that do not belong to me. And they are still listed on my credit reports even though they do not belong to me. 1. XXXX Account # XXXX, 2. XXXX XXXX Account # XXXX, Both accounts 1 and 2 have same acct # s different amounts listed and different company names. 3.XXXX XXXX Acct # XXXX, 4.XXXX XXXX  XXXX Acct # XXXX These accounts do not belong to me so I want them removed from my credit reports IMMEDIATELY.

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 06/29/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: After reviewing the documents provided by HSBC Bank I noticed that my mortgage is overstated by at least {$6100.00}. 

The documents provided by HSBC Bank state that HSBC Bank provided me with {$120000.00} at closing ( see attachment B, E & F ). That is new loan of {$110000.00} and XXXX XXXX XXXX Grant of {$7500.00}. However, after adding the closing costs to the XXXX checks from HSBC Bank it reveals that HSBC Bank only could have provided a maximum of {$120000.00} ( {$120000.00} - {$6100.00} ) ( see attachment A, B & C ), the calculation is below. 

On attachment B-2 there is a {$300.00} charge which should have been paid to XXXX for review of recognition agreement ; I contacted XXXX XXXX XXXX did not receive this {$300.00}. Also, on B-2 there is a {$1000.00} charge for settlement charge. In a letter dated XXXX XXXX, 2016 from HSBC Bank ( See attachment A-2 ) it is stated that the {$1000.00} was made payable to my closing attorney. However, my attorney said that this was a bank charge and it had nothing to do with him. 

Attachment D-1 is the lien filed in XXXX County for the XXXX Grant of {$7500.00}. HSBC Bank did not file any lien for the mortgage of {$110000.00}. 

I need HSBC Bank provide me with a check for the overstated amount ; that is {$6100.00} plus interest adjustments. 

Principal Amount New Loan XXXX XXXX Grant XXXX Total XXXX XXXX HSBC Check # XXXX XXXX HSBC Check # XXXX XXXX XXXX ( XXXX ) Closing Cost : Origination Charges XXXX Appraisal Fee XXXX Credit Report XXXX Daily Interest charge XXXX Settlement/Closing Fee XXXX XXXX Search XXXX Government Recording Charges XXXX Flood Certification XXXX Tax Service Fee XXXX Review Recognition XXXX Construction Fee XXXX Maint to XXXX XXXX XXXX XXXX XXXX ( XXXX ) Total XXXX Add Back : Settlement/Closing Fee XXXX My attorney said he had nothing to do with this Review Recognition XXXX XXXX said did not receive this Construction Fee XXXX Paid by XXXX Grant Check Received XXXX Maint to XXXX XXXX XXXX - Pro-rated XXXX XXXX Total Overstatement XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: JP Morgan Chase gave me the wrong payoff on my home. I was told by Chase that my payoff included my original loan amount as well as my loan modification I had done a few years prior. I even have a letter signed from an officer at Chase stating that my payoff included XXXX. I sold my house and made {$13000.00} only to find out that I owed {$15000.00} after closing, which is the amount for modification. I had to return money and give an additional {$2500.00}. I would have not sold my home if I knew this. I was misled in believing that when I sold my home I would actually make a little money to help with my debt because the payoff was supposed to include the loan and modification. I am a recently divorced single mother of a toddler and an infant. This ordeal has cost my children their home. I have no home now and no money thanks to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TN).
Issue: Problems when you are unable to pay

Complaint: Date of first major deliquency was XX/XX/2010 although i have settled this account it has reached it 's maturity of 7 years and i respectfully request it be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit card () with U.S. BANCORP (OH).
Issue: Customer service / Customer relations

Complaint: I overpard my balance on a credit card by {$15.00} and three months later I still can not get a refund. I think I 'm owed the over payment plus interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX and Trans Union-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Attached is a full explanation of my issues with Bank of America concerning their putting me on a Trial Modification Program without me filing documents and clearly telling them I did not want to do a modification since it was rejected several years ago after 7 months, leaving me with a ruined credit report. After numerous telephone calls for 4 days I finally got them to a few days later to correct my information and remove me from the trial period. My concern it this should never have happened. They had no authority or permission and frankly continually made excuses. I did file with the state and then now with you. If this is happening to me, it is obviously happening to others. Please investigate and stop this continuous nonsense and I believe illegal process they force on people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: I XXXX XXXX applied for a mortgage on or about XX/XX/XXXX. 
I applied for a mortgage amount approximately of {$500000.00}. 
I filled out a XXXX form and supplied all necessary documentation along with signing aXXXX form so the bank who originated this no income check subprime mortgage to verifyI can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX 's directly from the IRS to verify my actual income and stated what it was instead. The current mortgage with Wells Fargo Home Mortgage loan # XXXX and also with XXXX XXXX XXXX # XXXX on my Owner Occupied Property : XXXX XXXX XXXX , XXXX XXXX, NY XXXX, my S.S. # is XXXX D.O.B. XX/XX/XXXX. Wells Fargo Home Mortgage and XXXX XXXX are committing the following Fraudulent and Federal Law violations:1. LACK OF STANDING TO FORECLOSE ; ATTEMPTED ON OR ABOUT XX/XX/XXXX2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Closing/Cancelling account

Complaint: I had a secured credit card with a limit that i deposited of XXXX and had made a few payments from my personal bank account. I had to pay an unexpected auto expense and the payments I had made returned from my bank. After calling and speaking to capital one the representative advised me that is in violation of their policy after kindly explaining the situation and she said that they would be closing my card and taking all of the money back that any remaining balance after they took out their fees and cleared any payments that are pending the would take it all and i would not recieve anything back which is not my understanding of how the secured card worked.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This agency ( Equifax ) has continued to report inaccurate information on my Credit File. They continue to report XXXX 90 days late payments of XXXX of my student loans serviced by XXXX XXXX. i have disputed this on numerous occasions but the agency claims they carried out a thorough investigation and found the reporting accurate. That is impossible. please review the attachments very carefully. I have never been late on these accounts, In the attachment you can see that i was never late in any of the prior months before and following months after the stated 90 days late payments. It is impossible for me to be 90 days late if i was never late in any prior months or months after the date claimed by these agency. I have called numerously to the bureau as well as the Company servicing the loans, despite all the evidences provided that shows that these company and Equifax continue to report inaccurate results on my report, they have refused to remove the late payments. This is a violation of the FCRA and by law they are required to remove both late payments on all the XXXX loans reported by XXXX immediately. I request this be removed from my file immediately. If this is not removed in the next 5 days, i will be forwardind all evidences to the Maryland State Attorney for further actions against Equifax for failure to comply with the FCRA. I will also take legal actions against Equifax and they will be liable for Defamation as a result of false reporting, which has prevented me from successfully obtaining a mortgage for my Home purchase for my family. Once again, review attachments carefully and delete both late payments on the XXXX loans immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (I do not know) with NCC Business Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Several letters have been sent asking them to bear my signature and all me letters and gone un answered. They have failed to comply with the FCRA and not provided any documentation. This information needs to be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from my credit report immediately.

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 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Thy put this on my credit XX/XX/XXXX after I sent then proof of this being paid. It was paid XX/XX/XXXX, cancel order XXXX, XXXX was told to discontinue service. At location XXXX XXXX XXXX XXXX XXXX Az XXXX, XXXX said thy ca n't delete the account per federal law. I request the account to be deleted and Pinnacle refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation