milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2015 about Credit card () with U.S. BANCORP (NJ).
Issue: Delinquent account

Complaint: I have an account with Spencer Savigs Bank which is managed by Elan Financial. Not only did I receive a call from them telling me that I was XXXX days past due without them even verifying any information other than my name, when they discovered that my payments had applied to my spouses account, they refused to transfer the payments. They said that they could not transfer the payment because my husband has a payment due this month on the XXXX. His account is not past due and they see that more than XXXX payment has applied to his account and this is an obvious error yet they still refused to transfer the XXXX payments that were made to his account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AZ).
Issue: Managing the loan or lease

Complaint: My name XXXX XXXX XXXX I bought a car through Ally Financial Inc. Four years later on XXXX XXXX, 2017, I payed it off. As of today XXXX XXXX I did not received my tittle by mail as stated in the purchase contract, to realize what was happening with my tittle I called to find out that my tittle was sent to a wrong address and now is lost.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Ever since I first tried to be successful chasing the American Dream, companies like XXXX have been profiting off of me and keeping me down. They are the default " ethics police '' and the # 1 form of " lawful '' slavery. Their theft of my personal information means I ca n't even put money in a bank without those XXXX  knowing MY business ( not their business!!! ) I want them to delete my information from their database, they have made my life a living XXXX and I want justice. Their company keeps the rich rich and the poor poor. Their company supported XXXX XXXX and calls XXXX XXXX uncredible! ( For the record, I AM credible, dummy XXXX! ) I find their business model incredulous and can not believe that people are investing billions into this fraudulent scam to profit off of the American poor. This has no dignity and I am concerned that honest people are unwittingly supporting this classism through their investment " advisors ''!!! XXXX : Supporting classism for over 100 years! 
-XXXX p.s. if they made actual changes to help the poor ... that would be something, but as far as I can tell, in its current state, the company does more harm than good. 
Also their " freeze '' is 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 09-10-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/15 I authorized a mortgage payment over the phone to XXXX for {$650.00}. I had an electronic payment scheduled to them on XXXX/XXXX/15. Due to my mistake I thought I cancelled the electronic payment but it was n't cancelled. XXXX received XXXX mortgage payments from me and should have only received XXXX the phone authorization.I have been attempting to get the one for {$650.00} returned. On XXXX/XXXX/15 at XXXX central timeI faxed the information I was instructed to fax to a supervisor name XXXX. I was told to call Tuesday XXXX/XXXX/15 to checkthe status. As of XXXX/XXXX/15 I have yet been able to get a reply. I have called 3 times a day since XXXX refaxed the documents to XXXX XXXX/XXXX/15 XXXX On XXXX/XXXX/15 on my XXXX call of the day I was told they needed a letter from my bank stating the XXXX payments were paid and would not be returned by the bank for insufficient funds. The letter was faxed from the XXXX branch manager stating this and payment to XXXX was cleared and paid. This was faxed to XXXX at XXXX pm on XXXX/XXXX/15. I called 3 times today XXXX/XXXX/15 and each time all customer service did was continue to send emails to the supervisor on my behalf asking the status of the payment being returned to me.She does not respond and has n't since this ordeal started.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work with BOA in qualifying for a program to lower my payments-specifically my interest rate with no assistance. I began the process speaking with a HUD counselor who assured me I met the HAMP guidelines due to the extensive questionnaire and financial information she collected. After many months I was told I qualified for a trail modification which RAISED my payment with no other changes to the loan. After appealing my decision I was told again I did not qualify for any program and this letter dated XXXX stated I was not interested in refinance options at this time. What exactly do you call trying to lower your payment and interest rate?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Duplicate XXXX XXXX XXXX accounts belonging to my ex husband are appearing on my report. I am not responsible for this delinquent account, and have court paperwork to show this. This company has not only fraudulently reported this XXXX XXXX XXXX  account, but they have sold it to another debt collector who is now also reporting it with a slightly different amount. Transunion has failed to fix this problem despite multiple complaints, and this error is now preventing me from getting a favorable interest rate on a car loan.

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Bayview Loan Servicing , LLC has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as  well! This purported debt was rescinded and closed out by XXXX  XXXX XXXX a/k/a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Bank account or service (Checking account) with U.S. BANCORP (FL).
Issue: Deposits and withdrawals

Complaint: I needed to wire funds for a mortgage closing and the bank refused to do a wire over the phone, even though I offered to sign whatever forms and fax in whatever verification they required. I do not have access to a branch because I have moved and there is no US Bank in Florida. The US Bank website says you can do immediate or next day transfers which would also help because I could transfer to a FL bank and then wire, but when I went to do that instead it would n't let me because I was above the transfer limit. I am unable to access my own money via wire and it may result in me loosing my home. This is unacceptable!

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 11-03-2015 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (CA).
Issue: Other transaction issues

Complaint: I used Google Wallet to pay my roommate rent. It was linked to an account I had recently closed and I did n't realize this until a few days later. I removed the closed account and added my new one and repaid my roommate from that account. Without my consent, Google paid out the original payment and drew my Google Wallet balance negative instead of rejecting the unfunded payment. I never gave them permission to do that and that payment should have just been rejected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I would like to file a formal complaint against XXXX XXXX XXXX XXXX. They have been my loan servicer for years, since consolidating my loans under the Obama administration programs. I have continued to encounter the same problems, year after year, particularly with updating and renewing my income based repayment program information. This year, for example, I became divorced XXXX in XXXX of XXXX ) which drastically changed my household income. I submitted a recertification form within weeks of this event and provided documentation of my new household income. When I called to ask about the status, I was told that they were behind in processing these types of requests. They gave me the option of being in forbearance which I did not want to do because that would simply allow my interest to build and I would also not be making a qualifying payment towards my plan if I were to enter forbearance. I updated my re-certification information again this XXXX upon receiving a letter from them stating that I needed to do so ( even though they had all of my information since XXXX of last year with no change in my payment ). After several phone calls, they again said that they were behind in processing and I had done all I could, I just had to wait for them. Finally, this week I received letters of my new payment amount, a year later, which is only slightly less despite my household income going down by {$80000.00} per year. Not only has the payment amount hardly changed, but they put half of my loans on forbearance without my knowledge or permission and drafted {$1600.00} from my checking account this month on XXXX XXXX, XXXX without advance notice ( which is nearly XXXX times my normal payment ) even though all of my recertification information was in for months and is stated so on their website. This has happened before, and they refuse to refund the amount that was over and above my normal payment. As a XXXX mother, trying to support her family all while making student loan payments that are nearly the size of my mortgage, I am asking for my complaint and several other similar complaints of students working with this company to be taken seriously so that they can be held accountable for their extreme negligence and misconduct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have requested Equifax to correct the information on my correct report and nothing has happened. I have requested " VALIDATION '' AND NOT " VERIFICTION '' of the collection accounts, which have no company name listed and no information has been provided. Here are the accounts : XXXX {$130.00} XXXX {$110.00} XXXX {$180.00} XXXX {$120.00} They always say they verified information and do not ... Please VALIDATE this debt! Also, please provide, who you spoke with, date, time, phone number and documents shared. Other wise by law, please removed this negative information of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The following information XXXX XXXX XXXX reporting on my Experian credit report ( report # XXXX, dated XX/XX/XXXX ) is false and inaccurate. 

1. XXXX XXXX XXXX is reporting the account Status as Petition for Chapter XXXX Bankruptcy. This is not correct. I sought Chapter XXXX on XX/XX/XXXX. My Chapter XXXX was DISCHARGED on XX/XX/XXXX. I am no longer in bankruptcy. 

2. XXXX XXXX XXXX is reporting the Account History as Charge Off. This is not correct. This account was Paid-in-Full {$7900.00} by the Bankruptcy Trustee, XXXX XXXX XXXX, XXXX. 

3. XXXX XXXX XXXX is reporting the Account History that I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. This is absolutely false. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint, ( CFPB Complaint # XXXX ). XXXX XXXX XXXX response stated they were to correct the inaccurate and false information, ( AUD Control Number : XXXX ). However, XXXX XXXX XXXX has failed to properly do so as Experian continues to report falsehoods.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Crosstown Law, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX and Crosstown Law LLC, continues to try and collect a debt that not only do I not owe but I 've never had a XXXX account. XXXX themselves has verbally told me that there 's nothing in there system showing I 've ever had an account with them. 

XXXX can not validate the debt according to the FDCPA Law 15 USC 1692g, Section 809 ( b ) Validating Debts.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with CITIBANK, N.A. (IN).
Issue: APR or interest rate

Complaint: I was told that I had 0 % interest charge. I was not informed or warned about the deferred interest charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2015 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Am having a huge problem with Equfax for the past few years they have not be releasing my file to anyone i ca n't disputes online i do n't understand what else to do. I need your help to look into this issue with this company. I want them to release my file so that i can access my report trough third party and also able to disputes incorrect information on their site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX credit and mortgage companies have submitted multiple credit inquiries on credit file with out consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XX/XX/XXXX, I pulled my credit report using a credit monitoring service. Upon pulling my credit report I found that Diversified Consultant had placed an account on my report as a collection item for the amount of {$510.00}. On XX/XX/XXXX I sent a letter disputing the debit via certified mail, pursuant to 15USC162gSEC.809 ( b ). I never received any communication from Diversified Consultants nor did they provide any documentation, or proof of the debt. On XX/XX/XXXX I called Diversified Consultants at XXXX and spoke with a representative named of XXXX XXXX. XXXX confirmed that they had received my request, and had not responded to it. She noted that they do n't send off any information, that the account was closed out as a dispute and then sent back to XXXX. XXXX then stated that XXXX charged off the debit and they ( Diversified Consultants ) received the account again. When I asked why they are reporting this debit on my credit and they have not provided with the information requested she said she would mark the account as a dispute in her system. I am filing this claim as I have disputed this debit twice, and have yet to receive any documentation requested, yet Diversified Consultant has this account listed on my credit report as a collection account. I find Diversified Consultant in violation of the FDCPA section listed below. 
809. Validation of debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (I do not know) with EMCC Holdings, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I 'm getting calls from Equiant ( sometimes a debt collection agency, other times not, depending on who I talk to ), claiming I owe on a timeshare account with a separate company, XXXX. Although I do own a few different accounts with different resorts, I could n't recall ever signing up with XXXX. I finally found bank records of their withdrawls from my account, which I 'd overlooked originally as I do not have any automatic payments set up with it, or so I thought. I understand that, in each notice sent to me from XXXX ( nothing sent from Equiant ), I 'm entitled by law to a written notice of my right to dispute this " debt ''. I have received no such notice. Furthermore, several other discrepancies have led me to question the existence of this " debt collection agency ''. 
Along with the lack of written notice of my right to dispute, I requested a copy of the contract be sent so I could verify the debt. I was told that a request by Equiant to XXXX to send the contract to me had been submitted, but that it would take longer than I had to wait before the account was reported to major credit bureaus and my credit rating would go down. In other words, pay before I can verify the debt, or else bad things will happen. I did receive a virtual copy of the contract from contacting the resort itself ; though I 'm still awaiting a hard copy. I 've also received a virtual copy of the auto-pay document that my late wife and I apparently signed. I began my own investigation of this company ( or companies? ), along with the help of my local congressman, at first because I had wanted to dispute the debt. Assuming all of these documents are valid, I can not dispute it. So my concern turns to possible infringements of certain rights of mine by Equiant and/or XXXX. They did n't supply written notice that I could dispute the debt within thirty days and, in fact, I have received nothing from Equiant in the mail at all. My latest step in resolving this matter was to inform XXXX at XXXX XXXX services that the payment I was sending, which covered the two months of late charges that were unpaid, were to be the final payments for that account until I got a hard copy of contract.

Company response to consumer: Closed with explanation