milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2016 about Debt collection (I do not know) with Shellpoint Partners, LLC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: NOTICE this attorney is indirectly engaged in a illegal debt collection action and identity theft. I am the consumer creditor as defined in 15 usc 1692 A3, 1692 A4. The company is in violation of federal law including a communication issue, 1692C a-c, and failing to obtain prior consent nor expressed permission to communicate about alleged debt, after filing complaint with CFPB, a cease and desist, and notice of dispute to this entity and the entity XXXX XXXX XXXX. and representatives. Shell point Mortgage Servicing responded that the account will be updated to cease. However your documents with the register of deeds is another violation of Federal Law 1692D 1,2,3. I am a victim of Identity Theft, and your company and others have use unauthorized information to report and open accounts. I demand you withdraw your documents and in 7days obtain sworn, under penalty of perjury, verification and validation of the alleged debt1692G a, b, or the consumer will presume that 1692C c-1 has been invoked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX my mortgage company, Ditech, completed my escrow analysis and showed that I had an overage of {$160.00} and that it would be paid out in 5 business days. I have not yet received. I contacted Ditech in XXXX, via phone, and was told they had implemented a new system and it was preventing the checks from being sent out, that it would be sent in 10 business days. I contacted Ditech twice more via phone, every 10 business days and kept getting the same explanation. I have not yet received the overpayment. As I was getting nowhere via phone, I contacted Ditech via their messaging system on XXXX XXXX and again XXXX XXXX in response to the same issue. I have received letters from Ditech stating they are looking into it. Ditech sent me the letter stating they were going to send me a check, I am not sure what they are looking into? 

I have also requested, via their messaging system, that they no longer send me anything regarding refinancing, that due to their inability to process an escrow overage check, I have no interest in refinancing with them. Ditech continues to send these notices. 

I am hoping someone can review this information and get Ditech to issue my overage check and quit mailing me the refinance letters. They have wasted more money on the refinance letters than had they just sent my check.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Medical) with Professional Placement Services, LLC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I received notification on XX/XX/XXXX that my credit score had changed. I opened XXXX up to research what has changed on my credit report. along with my credit score dropping XXXX points. A collections account from Professional Placement Services was placed on all three of my credit reports. The original Creditor was XXXX. The origination date was XX/XX/XXXX. This account just appeared on my credit report this weekend. The trade on my XXXX credit report states that this account last reported XX/XX/XXXX, which is false. XXXX shows that it just reported XX/XX/XXXX for the first time. This account has never reported until today. I check my credit report weekly. In reviewing the trade line, it stated that this account was assigned to Professional Placement Services on XX/XX/XXXX. Attached is a copy of my XXXX credit report from XX/XX/XXXX and XX/XX/XXXX. I then thought about it, The medical bill that I did have during XX/XX/XXXX was included in my Voluntary Amortization of debt of XXXX. ( chapter XXXX ) a repayment plan in which it is file with the Wisconsin Court System. This account was paid off and satisfied through my bankruptcy repayment plan. XXXX could not have assigned this debt on XX/XX/XXXX because it was a part of a bankruptcy repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax continues to keep allowing incorrect collection accounts on my credit report that have been previously deleted multiple times. When I dispute the collection accounts Equifax states accounts were verified which is not possible because they are not mine. When I contacted Equifax by phone they will not explain how the collection accounts were verified to be my responsibility or what information the company provided to verify them except my name and address. I explained to Equifax anyone can get my name and address because they list it on my credit report. This credit reporting company ( Equifax ) needs to be sued for their lack of investigation and reporting false information on people 's credit report that damages people 's credit rating. I have had the same listed collection accounts in my Equifax report number ( XXXX ) deleted from other credit reporting agencies because the company knows they are not my accounts. These credit reporting companies need to be held accountable for the damage they are creating by their lack of investigation efforts when investigating for consumers. Equifax automatically rule 's against the consumer because they are being paid by the collection companies to keep this false information on the consumers credit reports. I have asked Equifax and the companies listed in my collection investigations to provide me with a contract or a document with my signature showing I have any responsibility to pay any collection accounts I have disputed. Equifax and the companies both have failed to provide me with any proof I owe the amount requested or any other amount they show in collections on my credit report. I demand this matter be taken seriously by Equifax and the false collection information deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (I do not know) with Genesis Credit Management, LLC (MT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In both XX/XX/XXXX and XX/XX/XXXX my husband and I bought new vehicles. Both times at financing we were informed that my husband had better credit than me, so we did the financing in his name only. In XX/XX/XXXX, out of concern for what was on my reports I pulled my credit and found that XXXX XXXX XXXX reported that I had a debt of {$650.00} that I owed from XX/XX/XXXX and that I paid this debt in a settlement for less than the actual amount of what was owed to them and it shows as an adverse account on mine and y husbands XXXX credit reports. XXXX XXXX XXXX was a collection agency that I worked for doing collections in my home. When I no longer was working for them in XX/XX/XXXX they sued me and my husband for {$650.00} for the used computer and monitor. My husband NEVER worked for them at any time. My husband and I appeared in court XX/XX/XXXX XXXX Civil and Small Claims, the case was dismissed with prejudice. Their attorney, XXXX XXXX, took possession of the computer in the courtroom in front of the judge and court clerk. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported a debt onto my credit report and my husbands XXXX credit report 13 days AFTER their attorney was in possession of the computer and monitor and after the courts dismissal with prejudice. They created a debt by using my date of hire, fake DOBs, my husbands name is misspelled, in order to generate this debt. I have worked since XX/XX/XXXX trying to get this off of our credit. We've consulted an attorney, filed complaints with the XXXX and the Attorney General, and disputed the debt with XXXX. The WA state Dept of Licensing said that XXXX XXXX XXXX dissolved at the end of XXXX and that XXXX XXXX assumed assets and liabilities. This is fraud and many laws were broken by the very collection agency that I worked for as a way to retaliate against me for quitting. XXXX XXXX XXXX is now DBA Genesis Credit Management , LLC, located in XXXX WA and they have learned a really good shell game of dissolve and assume a new name. But if a collection agency can do this to a former employee can you imagine what they can do to a debtor or a consumer that has no idea what to do or where to turn to protect their rights?

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XXXX XXXX2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the Amount of {$5600.00} XXXX XXXX, 2010 unauthorized withdrawals of {$4900.00} Check # XXXX XXXX XXXX, 2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the amount of {$2500.00} XXXX XXXX, 2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the amount of {$8500.00} XXXX XXXX,2010 unauthorized Withdrawals of {$6100.00} check # XXXX XXXX XXXX, 2010 unauthorized withdrawals of {$15000.00} check # XXXX XXXX XXXX,2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX Business account in the amount of {$3500.00} XXXX XXXX 201 unauthorized transfers from another XXXX XXXX XXXX. Business account in amounts of {$2000.00}, {$7000.00} and {$3500.00} XXXX XXXX,2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX Business account in the amount of {$4000.00} check # XXXX XXXX XXXX, 2010 XXXX XXXX Citizens Bank employe made unauthorized withdrawals from XXXX XXXX XXXX. Business Account in amount of {$16000.00} check # XXXX All checks were sent to XXXX XXXX residential in XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been making qualifying payments under PSLF since XX/XX/2013. Recently my loans were transferred from XXXX to XXXX XXXX. Currently XXXX XXXX is showing zero qualifying statements. They also show my current status as both in forbearance and 9 days delinquent. My main concern is that all past payments be counted as qualifying payments under PSLF. XXXX XXXX   said it could take up to six weeks for them to review my past payments. They should have started this process back in XX/XX/XXXX when my loans transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX is not being reported correctly again. The date the account allegedly was opened is confusing and looks to be in error. The application was signed XXXX/XXXX/XXXX however they are alleging the account was opened XXXX/XXXX/XXXX. The full payment history including all of the credit card statements were not submitted as per XXXX XXXX. The billing practices are in question now, due to not giving full disclosure on the biling and the payment history which was also requested with Case XXXX.Where is the proof that they confirmed the open date of the account. There all sorts of inaccuracies and incomplete items regarding the reporting. The credit bureau indicates the account was opened on XXXX/XXXX/XXXX. For all of XXXX up to XXXX XXXX how can I assume the reporting was done properly and correctly. 
Equifax is not properly reporting the date the account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: INformation on the credit report with XXXX XXXX XXXX and XXXX XXXX was removed and it appeared on my credit report. It has been over 30 days since I have filed a dispute and they state that the information is correct from the furnisher and when I contact the Creditors or debt collection agencies they state that they never disputed any information with XXXX, XXXX, and Experian. 

I have asked XXXX, XXXX, and Experian whom they verified the information through and their statement are outside vendors and there are tons of those. I want to know which vendors they are using to get this information. 

When Notifying XXXX, XXXX, and Experian. They will not let you dispute information again. This should be illegal for them to do so. I would like for all three CRA send me a most up to date credit report ASAP.

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 01-10-2017 about Credit card () with CITIBANK, N.A. (RI).
Issue: Late fee

Complaint: I paid off the balance as stated when I signed into online banking on XXXX of {$90.00}. The VERY next day, the credit card company charged me a late fee for the previous month. Then they began charging me interest on the late fee ( no purchases had been made for several months, I was just paying down a final balance ) and I did n't realize it. I assumed the card was paid off, and the interest and late charges continued to rack up. I got a phone call about it months later, and when I went to look, I owed them {$75.00}! When I called, the guy argued with me angrily for a half hour about how I should pay my bills and I was late. I finally demanded a pay off number and paid {$77.00} ( a little over what he gave me to ensure they did n't try to charge me finance and interest charges again! ) today. Basically, they charged me interest on late fees which is absurd but also charging late fees the day after someone pays off their balance and not informing them that they actually will owe more is deceitful.

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 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I contacted the national credit system a debt collection company many times, by phone and by letters. with this i asked to validate my account, then submitted a settlement offer to the company. when i made a call to the company i was spoken to very abusively and disrespected horribly, i was just trying to make an reasonable offer and settle me debt. I want someone to be aware of this company 's unprofessionalism

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I filed an dispute with ERC on XX/XX/2016 and XX/XX/2016 and requested copy of original contract with my authentic signature that begun this alleged debt. I never received the contract that begun this alleged debt with my authentic signature from ERC. ERC are in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Debt collection (Credit card) with Altisource Portfolio Solutions, S.à r.l. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The collection agency has contacted my father regarding my debt. It appears they discussed more than just my location with my father. I never gave them authorization to communicate with my father.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: American Express offered a XXXX card and required {$2000.00} spend in the first 3 months to receive XXXX bonus points. This bonus reward was confirmed by an associate and during that chat I specifically asked how much needs to be spent to receive the bonus points. He gave me a number and I spent enough to get the bonus. I waited for an extended period of time but no bonus was credited. When I contacted customer service they said {$3000.00} was required and I am not entitled to the bonus. I described the conversation with the first associate and they reviewed the transcript but no action was taken. I contacted customer service 3 more times but they only respond by saying it still being escalated. All this after the 2nd associate said it would be resolved within one week. Here we are 2 months later and it is still being investigated. I do not believe anything is being done internally and I am looking for outside assistance to persuade them to honor their commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Medical) with AR Audit Services, Inc (ND).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I got served papers through certified mail. Im not sure how everything works so i was waiting for my day in court to explain my situation to the judge. then i received this judgement in the mail only 30 days after i learned that i had been turned into collections. I was paying the agreed upon amount monthly to the clinic and they decided to turn me in anyway. Please help with this issue. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Closing/Cancelling account

Complaint: Chase is reporting that I have balances owed on XXXX credit cards they issued XXXX 's on last year. I included those XXXX 's in my last year 's taxes, and they were paid. They should not report owed balances on debt they cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: Credit card was opened by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fraudulent activity took place on the card for approximately {$130.00} in XX/XX/XXXX. Charges were disputed with XXXX XXXX XXXX XXXX and was assured that late payments / delinquencies etc would n't be reported on the credit history because of fraud on the account. 

Credit card charges in the form of late payment / delinquent account still continue to appear on the credit report even after more than 120 days. 

Investigations of the disputed account by all 3 credit bureaus namely XXXX, Transunion and XXXX  suggest that the reporting is accurate and have n't corrected the situation. 

Since, the dispute with the credit bureaus have n't yielded much success the FICO score has dropped significantly resulting in denial of credit.

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 12/28/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (AZ).
Issue: Credit decision / Underwriting

Complaint: My wife and I applied for a Home Equity Line of Credit with Wells Fargo Bank. The phone rep, XXXX, obtained all of the information. Based on our mortgage balance and the estimated value of the home as well as income figures, he offered us a loan of {$33000.00} which was more than we were asking for. We lifted the credit freezes we have for protection. Our XXXX scores were above XXXX. Wells Fargo ran our credit reports and denied our request for a HELOC based on Loan to Value. We complained to Wells Fargo that they misrepresented, mislead us and committed fraud. The application should have stopped with the phone rep based on loan to value since he had the figures. The file was re-opened by XXXX XXXX, a supervisor, who said XXXX had entered incorrect figures for income ... he had used net instead of gross amounts. We were then conditionally approved for {$33000.00}. Documents were provided as requested. We were then denied a second time for loan to value and income/debt ratio. We feel that Wells Fargo committed fraud by misrepresentation, was misleading, provided false information to us, and made false statements to us. They had all of the loan to value and income to debt figures when the original and corrected application were submitted. They should have known then and there that we did not meet their criteria for the loan. They should never have run our credit reports based on the information they had. Now our credit reports show a hard hit and a declined credit request. We are asking that the credit hit from Wells Fargo and the declined credit be removed from both of our 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 10-07-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other transaction issues

Complaint: I called MoneyGram on XXXX/XXXX/2016 in reference to transaction # XXXX to ensure that their would be no problems with the money transfer due to previous denials of transfers. I was told that the transaction would n't be denied, however ; it was denied after funds were sent. MoneyGram will not provide information to why the funds transfer was denied and MoneyGram will not immediate refund the money so that I could use another service to send the money. MoneyGram holds the funds for up to one week which causes a financial hardship for the customer and the recipient which further delays the necessity of the transfer of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a report of collection for {$100.00}. The debt collector is listed as XXXX XXXX. The original Creditor is listed as XXXX and XXXX XXXX. I have not had an account with this creditor, and have never received literature regarding this debt from the original creditor or the collection agency listed.

Company response to consumer: Closed with explanation