milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech processed my mortgage payment on XXXX. My automatic-payment agreement clearly says that the money is not to come out until XX/XX/XXXX. That was the date I chose. This is the second time they have done this, and I did file a complaint. But Ditech said they did nothing wrong. I wish to mail a copy of my overdrawn alert from the first time and a copy of my online banking statement and a copy of the auto-payment agreement, so you can clearly see they have done this again. What good is an agreement where I have chosen the date for withdrawal if they randomly take out money from my account. The first time they did this I was over-drawn {$1900.00} and could n't pay for groceries. This time I was shopping for a new washer and dryer and all I had left in my account after they put a hold on the money was {$400.00}. Their agreement clearly states that the money will come out on XX/XX/XXXX and if XX/XX/XXXX falls on a holiday then it will be the next business day. I have the money in my savings and I transfer it over on XX/XX/XXXX to be ready.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Absolute Recovery Services, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX I moved from an apartment, with the permission of the property owners. I moved due to water problems in the apartment, i.e. it rained thru the bottom of my back door and the carpet in the dining room was soaked and mildewing. A water pipe in the upstairs bathroom was leaking and caused the kitchen cabinet to fall off the wall. I had no problems with my move and have been able to lease housing there was no negative information regarding leases on my credit report, until XXXX XXXX. In XXXX I received a notice from Absolute Recovery Services, a collection agency ; that I owe {$500.00}, my lease in XXXX was for {$610.00} a month. They also indicated a payment was made in XXXX of XXXX. I did not make a payment to them. 
I spoke with the agency via telephone and let them know the resolution I had reached with their client. 
The lady stated she was going to submit the charge to the Credit Bureau. Which she has done. I have disputed the claim with XXXX twice and learned they do not verify information that creditors submit. If I had owed rent to the creditor it seems to me ; they should have notified me of that in XXXX, and/or gone to court to get a judgement. He did neither of these options. Instead 4 years later I am being harassed by a collection agency for an amount that does not even match my lease agreement.

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 non-monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being XXXX XXXXXXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX XXXX is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed and all files under my public records does not include the information and should be deleted from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Credit card debt) with Conn's, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Conns Credit Company is reporting my account current as a victim of a natural disaster so they can continue to add charges, fees, late fees, etc., to the account to make the balance higher as they know once it is charged off for collections they cant add to the amount. I am NOT a victim of a natural disaster. I am a victim of credit card fraud recently : last week : but thats it. I also know for a fact they are doing the same thing to my husbands Conns account. 

They are very untrustworthy and I dont know how many other people they are doing this same trick to as to drive the amount owed to them higher and higher before charging it off. They also reported my husbands account as a victim of natural disaster and brought his account current as well while they continue to add to the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (AZ).
Issue: Managing, opening, or closing account

Complaint: On XXXX XXXX 2015 I put {$500.00} on my pre paid Rush card. Since then, my account balance is {$0.00} and when I call this company the recording says my card has not been activated. I have had and used this card for over to years. When I finally got through to speak to someone she said she could not access any accounts and would text me when the problem was fixed. I 'm still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (TN).
Issue: Taking out the loan or lease

Complaint: GMAC has erroneously reported auto lease information to credit reporting agencies. I contacted them once and the reporting stopped for four years and now they have begun reporting negative information again. The company states that there was a charge off when in fact the vehicle was returned in a timely fashion under a lease and the account was satisfied in full. No additional monies were owed to them. Legally inexplicably GMAC created a deficiency dollar amount and reported it to credit agencies. I disputed this issue four years ago and it disappeared from my report for a period of four years. 
Ultimately the CREDITOR RESET THE REPORTING TIMELINE AND ATTEMPTED TO MAKE IT RUN ANEW AND LENGTHEN IT. The trade line and expiration date has been fraudulently readjusted by the creditor GMAC. It potentially could be linked to GMAC 's release from the federal government 's loans and control over the creditor GMAC. In other words GMAC upon release from the US Government became a rogue elephant creditor engaging in fraudulent activities with former purchasers of their products and services.

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 01/22/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On several occasions, I mailed letters to all XXXX credit bureaus. 

XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS EXPERIAN I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX Inquires were removed then added back to my credit report. They did notify me when adding them on. This is a violation of the FCRA. 
I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX Service Member Currently XXXX since XX/XX/XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

Thank you

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 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently began to receive calls from collection agencies for accounts that I never opened. I reviewed my free credit report, and found several accounts, including student loans that I never applied for. I have initiated an investigation, and added a fraud alert.

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 11/15/2017 about Debt collection (Other debt) with MARINER FINANCE, LLC (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I 'm complaining today about Personal Finance Company and Mariner Finance 's never-ending attempt to continue to make claim to a debt that has been charged-off in XXXX XXXX bankruptcy. But now they state in a letter ( SEE attached letter ) dated XXXX XXXX, XXXX that THEY 'VE TRANSFERRED my ALREADY CHARGED-OFF, IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), Personal Finance Company LOAN account number ending in XXXX to Mariner Finance as  account number XXXX!!! WHAT???!!! They need to understand the rules and the laws of personal bankruptcy which is the debtors personal liability ( Me, XXXX XXXX, XXXX XXXX for a dischargeable claim is WIPED OUT FOREVER!!!!, if the creditor ( Personal Finance Company ) got notice or if there was no payment to creditors in the case ; therefore, according to this rule, Personal Finance Company had no authority or right to transfer this debt ( account number XXXX ) to Mariner Finance that no longer exist! How is this EVEN remotely possible since this loan ( Personal Finance Company LOAN account number ending in XXXX XXXX has already been CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX )!!!!??? What 's really going on here?? How can Mariner Finance OWN a loan that has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), GONE, DOES N'T EXIST???!!! Furthermore, it is illegal that Personal Finance Company and Mariner Finance TRANSFERRED a loan that has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), GONE, DOES N'T EXIST and they continue to insist that Mariner Finance now OWNs a LEGALLY CHARGED-OFF IN, CHAPTER XXXX BANKRUPTCY LOAN ( Case Number XXXX as of XXXX )!!! I hope that you, Consumer Financial Protection Bureau and the Federal Trade Commission come up with a reason and an answer to my questions and find out what federal bankruptcy laws Personal Finance Company and Mariner Finance have violated. I will also be notifying the Attorneys General HERE in Kentucky where Personal Finance Company and Mariner Finance are located. Either this loan, Personal Finance Company LOAN account number ending in XXXX is CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ). See the attached chapter XXXX bankruptcy creditors list showing XXXX XXXX representing Personal Finance Company. THIS debt has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY, GONE, DOES N'T EXIST!!! or Personal Finance Company and Mariner Finance are involved in some type of nefarious activity that further deserves investigating. If their doing this to me, how many others are they performing this nefarious activity? Please get to the bottom of this for me Consumer Financial Protection Bureau and Federal Trade Commission.

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 04/15/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX therapy is trying to collect {$40.00} as a co-pay for the days I did not seek their services. I have called the XXXX facility in XXXX MA to clear the matter twice and was told both times that the charge was an error due to rescheduling conflict. However, I kept getting bills from XXXX. Recently I received a letter from Transworld systems inc about debt collection. 
I was a poor tactic from XXXX to forward this to the debt collector, while their XXXX MA branch kept telling me that the issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Medical debt) with Harvard Collections, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, XXXX ( 2 mos ) XXXX XXXX XXXX I have never been to XXXX XXXX XXXX XXXX and I do n't know where this hospital belong. Please remove this off my reports

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Consumer Loan (Vehicle lease) with AUTO TRAKK LLC (PA).
Issue: Taking out the loan or lease

Complaint: I recently " purchased '' a car with a {$12000.00} sticker price. Under the guise that this was a financed loan. After all the paperwork was finalized, the final cost of the vehicle became {$35000.00} and this was a lease, not financing. So after 5 years of paying for the vehicle, I then would have to return the vehicle and also pay any depreciation cost. Also, if I return before the lease term is up, I 'm still liable for the cost of the vehicle. Or if I return the vehicle and stop paying for it, this would severely damage my credit. The name of the company who does the " financing '' is Autotrakk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Medical) with Support Collectors, Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to the doctor XXXX/XXXX/15. I had a {$72.00} co-pay I owed for a dermotology visit. I intermediately paid it when I received the bill ; paid XXXX/XXXX/15. The doctor 's office took and cleared the payment. Then they say they ca n't find the payment. I called to clear it up. They said to fax in proof of payment. I did that. They submitted the account to a collection agency. XXXX/XXXX/15 I received a bill from the collection agency ; I have a collection company trying to collect on an account that has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Original HELOC with XXXX since XXXX, Filed Bankruptcy XX/XX/XXXX, XXXX " charged-off '' loan XXXX/XXXX/XXXX adding charge-off fees, added " unexplained interest ' ( $ XXXX ) held loan through the duration of the Bankruptcy applied all payments to principal - ( Internal decision, given charge-off, as per BK Specialist ). XXXX XXXX sold/transferred loan to SLS ( Specialized Loan Servicing ) who confirmed balance, XXXX % going forward, statements confirmed balance, XXXX %. Wrote XXXX/SLS ( certified return receipt from both ) XXXX, XXXX, regarding explanation of unexplained fees, interest, etc., XXXX has not responded, received call from BK Specialist saying they no longer held the loan, could not/would not answer any questions, reconfirming balance and 0 % " going forward ''. SLS acknowledged our written concerns and would contact within 30 days ... never did. As of XXXX, XXXX SLS has reversed Trustee payments ( $ XXXX+ ) to interest, showing " past due '' as of XX/XX/XXXX with $ XXXX+ due immediately. Not one agent is able to explain why, evading, will look into it, will escalate etc., We not only do not have answers to our initial concerns, we now have unexplained ( $ XXXX+ ) past due amount that SLS agents can not explain. 
Numerous calls have all been futile, have filed complaint with Dept. Insurance and Financial Services, 1st request went unanswered, 2nd answered, can not comment on past servicers ' transactions. States account is past due XXXX XXXX, cites Trustee as to how payments were applied. 
Have spoken to BK Attorney - Loan should not have been Charged-off, fees, interest, etc,, with an active BK - could be re-opened by Judge. 
Spoke to Trustee, Trustee pays the claims submitted, does not designate how a claim is paid. 
SLS will not answer our concerns, on countless repeated demands, phone calls, complaints. Has frivolously reversed Trustee payments applied to principal as stated on previous statements, now appear as interest, on statements, cites past due as of XX/XX/XXXX, we were in an active CHXXXX Bankruptcy, ( XX/XX/XXXX-XX/XX/XXXX ) which they acknowledge. 
Complaints are not adequately answered, as per Dept. Insurance and Financial Services

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
Consumer complaint received 04/13/2018 about Debt collection (Mortgage debt) with Ditech Financial LLC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Ditech Financial is continuing to report a balance and collect on a debt, for a house sold. The balance was taken care of, and also this debt is past the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX my wife opened our monthly statement from Roundpoint Mortgage to pay our bill. To our surprise, our payment had nearly doubled, jumping from $ XXXX/month to $ XXXX/month. We  immediately called Roundpoint thinking we missed a payment somehow. The gentleman in customer service told us we had a significant escrow shortage of {$17000.00} dating back to almost the inception of our loan XX/XX/XXXXwhen we had our home built. I asked how could this be? We are current on our loan, paid every penny that we are billed. His explanation in a summary was, we were paying an incorrect sum towards escrow for two years and Roundpoint was paying the difference out of pocket. According to the service representative, they had been trying to reach us but admittedly had a wrong phone number on file. No certified letter, no face to face representation, no phone call to warn us of our situation. We were completely blindsided. We were left with few options ; pay, sell, or do a loan modification. We are not in a position to pay {$17000.00}. A loan mod stretched as long as possible still would not get our payments down to a reasonable rate. So that left us with sell. We have been on the market for a little over a month with a few interests but nothing extremely potential. Earlier this week we received a certified letter from a law firm declaring foreclosure status on our residence and we have roughly 60 days to vacate the premises. I can not express enough how sad and disappointed this makes me. Without warning we had our home taken away from us. Thankfully my children are young enough to not completely understand what is going on, but for my wife and I we have taken away the bitter taste of shady financial practices.

Company response to consumer: Closed with explanation