milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2016 about Debt collection (Payday loan) with BlueChip Financial (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I got the loan XXXX XXXX, 2016 from SpotLoan for {$800.00} ... .first payment was {$140.00} on XXXX XXXX and then I sent in check for {$800.00} on XXXX XXXX, using a consolidation loan from a local consumer finance company, using my husband 's vehicle. They contended that we still owed them {$350.00} since then. We do not think we owe them anything else, as we paid them back the loan, plus some interest, all within a month. We had email exchanges about the disputed debt in XXXX XXXX XXXX XXXX ). They told us that we were 11 days past due. We could n't pay anything else, as we had just paid off all of our various internet loans with our consolidation loan, and were and still are in the process of repaying that loan. 
XXXX XXXX, a woman named XXXX from XXXX XXXX called my father in-law, looking for my husband or me. She gave him the fie number, and told him that we had to pay. That same day, while at work, I had received a call from her saying that she was from XXXX XXXX and telling me that I owed on a SpotLoan loan, and that I had to pay her {$350.00} over the phone. I did n't have my credit card with me, so I went home to get it and found out that she had called my father in law, even though that day was the first day I had ever been called from them at all. They had also within 10 minutes of calling my father-in-law and me, called my husband 's cell phone that same day. 
I was threatened that she was part of the legal department and she was sent to review the case before sending it off to recoups as a garnishment. Because we had already paid so much at the very beginning of the loan, I was n't sure if she was legitimate. I requested that she send me proof or validation of the debt. I asked that it be sent to me home in writing, not by email. 
I was then called on the XXXX of XXXX, asking if we had received her email. I said no, and noted to her that I had also requested it to be sent to my home address. She said she had mailed it out on the XXXX. I have yet to receive it, and I also have not received any emails. 
XXXX also insulted me because she then accused me of trying to get out of paying by asking for proof of the debt. I believe I have a right to know what they think I owe, since XXXX from XXXX XXXX is the XXXX that is calling us and the address I was able to get from them is XXXX XXXX XXXX, NY XXXX and her phone number is XXXX ext XXXX ... ..she is saying claim # XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account that I never opened spoke with the company which is XXXX XXXX and confirmed this should not be listed on my credit file and also Equifax has inaccurate personal information, there response to my dispute states XXXX XXXX which is NOT me my name is XXXX XXXX. Please help I have disputed with no changes on anything. I can not make a financial move I need to because of the inaccurate items

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Payday loan) with American Credit Resolution, Incorporated (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: claiming that they a company called American Credit Resolutions and that they are going to arrest me if i do n't pay. 
I made the mistake of giving them my information. 
The original creditor : XXXX gave them {$200.00} i do n't think there legitXXXX XXXX XXXXAmerican Credit ResolutionsXXXX XXXX, Georgia XXXX is the new number

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 06/15/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: portfolio recovery has called up to weekly to collect on a debt b y some one with  same name. It is not my debt and I dont feel I should have to respond.I also should not have to do their work.If they did their proper due diligence they wouldnt have to harass peo ple needlessly.They ha ve called in the past I told them it wasnt me and stop calling .The calls have resumed  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .6  months ago I informed a  XXXX   XXXX  from  portfolio recovery   XXXX  Virginia  XXXX   XXXX   XXXX   XXXX  to  stop harassing as th ey had wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Problem with fraud alerts or security freezes

Complaint: On four separate occasions I have sent the ask for documents to all three credit reporting agencies in hopes of removing an Extended Fraud Alert I placed on my credit accounts in a mistaken effort to restrict access to my credit. Somehow this alert is for ten years and turns out was n't needed now I virtually have no credit at all and am denied credit everywhere even with an XXXX credit score, this prevents me from obtaining certain services in my XXXX XXXX fight. In the end my concern with my credit may actually kill me.

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 08-11-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was acquired by Green Tree from XXXX, XXXX. I have made my payments during my 20 year, fixed-rate mortgage. Now that my mortgage is paid in full, after paying my regular monthly payments as provided for in my statements, Green Tree has sent me a statement indicating there is an additional {$11000.00} due. I believe their records are incorrect and dispute this amount. 

I have tried to get information from my account representative multiple times during the XXXX week of XXXX. However, she has not given me the information I have requested. I even faxed copies of my records to her, and she has not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Delinquent account

Complaint: On XXXX/XXXX/2015 I purchased a refrigerator from Sears. They gave me a discount for signing up for their XXXX XXXX. I never received a bill, statement, late notice, etc. on this account. I never even received the XXXX XXXX. All my bills are paid by " auto pay '' and I simply forgot about this bill. The collection agency mentioned my previous address so my speculation is the correspondence was sent there. I did not give this old address to Sears, I can only assume they found it on an old Sears " XXXX '' account that I use to have. If they did send it to this old address, then the company should share blame for not doing due diligence and catching this mistake when they approved the loan. 
XXXX contacted me on XXXX XXXX to inform me this account had been turned over to them for collection. I immediately paid the amount due in full ( including penalties ) from my checking account and the check cleared my bank the next day. 
I am XXXX years old and I have never missed a payment in my life. If Sears had sent me a bill or late notice, this account would have been paid

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 02-09-2018 about Debt collection (Medical debt) with Universal Collection Systems, INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The invoice was paid to the billing department at the medical facility on time. This is not a debit and there is no reason the debit collector should be contacting me. I sent a Certified letter to the collector with a copy of the invoice and a dated payment conformation. A cease and desist was included in the letter, the letter was sent on XX/XX/XXXX, on XX/XX/XXXX Universal Collection Systems contacted me via phone using an automated system violating the cease and desist demand. I now consider this harassment and will press charges upon a second violation.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Application, originator, mortgage broker

Complaint: We obtained pre-approval letter through Bank of American ( ( XXXX ) in this XXXX then started house shopping. In XX/XX/2016 our offer got accepted and we started to get our loan processed in next day, our loan officer gathered all the items needed, ordered appraisal then submitted our loan to their underwriting in CA ... ... We did not get a loan decision by XXXX/XXXX/16 which was the closing date. 

The selling agent contacted the loan officer for an update. However, there was no firm answer from Bank of America. Seller listed the house for sale next day ( XX/XX/2016 ) and kept our earnest money. Seller 's lawyer contacted our agent and let us know that seller was entitle to keep all earnest money since we did not meet the closing date. We also hired a real estate lawyer to fight. Keep long story short, it took over 2 months get this case settled. We only got a potation of our earnest money refund. 

Bank of American also issued a denial letter to us for a wrong reason, then requested a revised one ... back & forth. It has been a very unpleasant experience to deal with Bank of America.

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 10/26/2015 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I co signed loans for my XXXX children through NJ Class. We got into billing disputes regarding unsent billing and other billing errors. We 've made monthly payment but its not what XXXX says we owe. We 're paying the loan, we just disagree on the amount. Now they are attempting garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Mortgage (FHA mortgage) with U.S. BANCORP (MN).
Issue: Trouble during payment process

Complaint: US Bank has had the funds for the next due mortgage payment since XX/XX/XXXX.  They have once again applied the funds as a principal only pre-payment without the written notification as required by section 4 of the mortgage note. 

I requested that they reverse the funds and apply them as a mortgage payment on XX/XX/XXXX. They did not respond or correct the payments.

I requested that they reverse and apply the payment correctly a second time on XX/XX/XXXX. They still have not responded or corrected the payments. 

They are have been very clear that they do not believe that they are required to follow the terms of the mortgage note and can apply the funds how ever they feel. To the point of not covering the mortgage payments when they have funds to do so.

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 09/30/2016 about Debt collection (I do not know) with Credit International Corporation (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My wife was made aware of an outstanding debt she owed to XXXX XXXX College. She did not receive any notice and only found out about it when attemtping to request transcripts. The debt is from XXXX and neither the school nor the collection agency have described to us the nature or reason for the outstanding debt. 
The original amount owed was {$370.00} and has escalated up to {$1100.00} due to interest and fees per the collection agency. We have sent a debt vericication letter on XXXX/XXXX/XX/XX/XXXX and are still waiting for a response. 
After talking to them on the phone they offered to settle the debt for {$750.00}, without verifying the debt. Since we just want to take care of this we agreed to meet their settlement for {$750.00} but they absolutely refuse to provide us with a letter or email of verbal agreement describing the settlement. The only explanation they offered is that it is company policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is reporting me 90 days late twice. last reported XXXX 2015. This is incorrect. I have paid on time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased our home  XXXX   XXXX   XXXX . HUD assumed my mortgage  XXXX   XXXX   XXXX , and sold my Loan to Ocwen in an Alonge dated  XXXX   XXXX ,  XXXX . I had payed HUD  XXXX  for two years from  XXXX  till sale to Ocwen in  XXXX  which was a slight reduction from  XXXX  due to our  XXXX  losses. Ocwen says I only paid  XXXX . I have original letter head from HUD verifying  XXXX  ... their 's is not on H UD Letter Head ... .I hav e constantly had issues of harassment, they even tried to process a payment of  XXXX  thru my checking years ago, conflicting statements, a forced foreclosure resulting in having to pay  XXXX  to get back in good graces and now my loan is up  XXXX   XXXX  and they are saying I still owe approx  XXXX  have not asked for final payoff yet. There have been multiple other issues such as back posting, unsubstantiated late payment charges, property inspection fees, I asked to pay my own taxes they sent me  XXXX  checks from escrow but say they have no record of  XXXX  of them ... I cashed none of them ... switched me back and forth from Modification without approval and forbearance statements ... .and more. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (TX).
Issue: Managing the loan or lease

Complaint: I have a a few loans with RISE. Last month when I looked at my credit report I had XXXX inquiry from this company now I have XXXX and they all are dated for different months in the same year. I understand that the company will pull my credit to approve the loan, but they can not place the inquires on the file 10mos after the loan has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from wells Fargo untill you called in XX/XX/XXXX saying I missed XX/XX/XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XX/XX/XXXX payment was missed ... I didn't know where to remit payment and I paid both XX/XX/XXXX and XX/XX/XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018

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 12-12-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX accounts opened between XX/XX/XXXX- XX/XX/XXXX for the US Department of Education XXXX I have disputed the reporting due to the account was consolidated in XX/XX/XXXX. The account is showing a collection status for XX/XX/XXXX and XX/XX/XXXX. This incorrect reporting has damaged my report. I spoke with the Dept of Education and they have denied the reporting of a collection in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (NM).
Issue: Unexpected or other fees

Complaint: I have multiple charges for  XXXX  declining fees when I have n't used this card in months!!!! I want t dispute the charges and decline whoever is charging on my card.

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 02/15/2016 about Mortgage (FHA mortgage) with MidAmerica Mortgage Inc (SC).
Issue: Credit decision / Underwriting

Complaint: I applied on line to Mid America Mortgage for a FHA loan on-line. Their representative, XXXX XXXX took my application and issued a letter of qualification and sent me a request for some additional documents. I was not returning the documents fast enough for XXXX and he began to call me daily and become difficult to deal with. Finally, I told him to leave me alone and that I would get the loan elsewhere. XXXX XXXX then called my real estate agent and complained that I was not living up to the purchase contract for the property. Unbeknownst to XXXX, my real estate agent is my wife. XXXX was obviously using private information that I had given him during the application process to damage my purchasing the house because I would n't use him or Mid America mortgage. When I called him, he said that he had every right to do it and that I was the one in the wrong. He has violated the basic rule that my information is private between us and not for any use other than what I intended it for when I gave it to him.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: The Transunion is deliberately giving me a low credit rating because I had filed a compliant against them. It is a 60 point difffirent between the other 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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 XXXX XXXX XXXX appeared on my Transunion credit report, I am disputing this inquiry and requesting documentation regarding a third party 's access to my consumer credit report pursuant to the permissible purpose provisions of the fair credit reporting act

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 02/16/2017 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Using a debit or ATM card

Complaint: Hi. I had five errant ATM transactions in XXXX on XXXX/XXXX/17 The ATM machine cancelled the withdrawal transaction but posted it to my account as a withdrawal five times. 
BMO has only credited me for FOUR out of FIVE transactions, and TWO out of FIVE transaction fees. I am still waiting for the credit on one transaction of {$130.00} and TWO additional {$4.00} transaction fee and ONE additional {$3.00} transaction fees. 
Please see attachments for original statement and the current credits. Obviously, I would like to get the final credit for the transaction and the fees.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 12years I have not been able to achieve or get any promotion due to the false report of my credit files.

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 02/26/2018 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 information incorrect

Complaint: This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agency and the company. My rights have been violated. I sent in several disputes to have incorrect information deleted from my credit report. XXXX XXXX XXXX has been reporting incorrect information on my report. I have asked them to provide proof the proof provided was incorrect and was not what was being reported on my credit report. I have asked Equifax to do and complete a thorough 8investigation and have not received any feedback or even an update on the dispute. Yet they have added this account back to my Credit Report without my knowledge. I do believe that under the FCRA this is illegal on both the CRA and the company. So again this is my final attempt to have this problem fixed before I seek legal action to have this completed.

Company response to consumer: Closed with explanation