milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've been disputing items on my EQUIFAX Credit Report for over a year. I 've submitted police reports and grand jury indictments which I also uploaded to your site. EQUIFAX has done nothing to delete the fraud information or place a block on the disputed accounts so that they 're no longer on my report. Both XXXX and XXXX XXXX immediately took action and removed the fraudulent information and blocked the fraud from ever reporting again. EQUIFAX has done nothing. Police report and Grand Jury Inductment were already uploaded on my past request, but I 've heard nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Balance transfer fee

Complaint: Sears mastercard credit card services provided balance transfers at 0 % until XX/XX/XXXX, they only had one place on info that stated they are charging a fee vs interest on paperwork. This was misleading, so in fact they are getting there interest up front. There topic in bold larger letters states, YOU COULD SAVE ON INTEREST BY TRANSFERRING HIGH BALANCES. 
Checks should state that you agree to rates provided. I have used there checks before without this fee provision. 
Please advise

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX/XXXX/XXXX my credit score was XXXX. I paid my student loans off decreasing my total debt by {$6000.00} +, and was notified by experian credit reporting on XXXX/XXXX/XXXX via email that my credit score had decreased by XXXX pts ( XXXX XXXX. Prior to then in XXXX I paid a large amount of my student loans off and my credit score increased XXXX XXXX XXXX. Once I received notice my score decreased I logged into their site to compare my previous summary of credit factors from XXXX/XXXX/XXXX back to the end of XXXX to XXXX/XXXX/XXXX and could not find any new factors. I contacted experian and was transferred many times, on the line approximately 47 minutes then hung up on. I called back only to be told I should hire a credit counselor. I was not sure why they were telling me to do that as I am a paying member of experian. After a lot of frustration I cancellelled my membership.

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 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In 2015 I agreed to a debt consolidation with US/DOE for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts.

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted. 

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report. 

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the US/DOE to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was the deed on my deceased father 's house. I paid the mortgage payment each month. The house did not go through escrow after he died. At one point, Wells Fargo stopped accepting my mortgage payment on my father 's house. Thus, forcing it into foreclosure. Wells Fargo cross out my father 's account number on my checks and wrote my loan number on my checks and applied to my loan for my mortgage on my house. 
During that time, I filed for Chapter XXXX bankruptcy and the court wanted to know what I did with the rent for my father 's house. I told them that I paid the mortgage each month at time. They conducted an investigated which were additional fee deducted from the sale of my father 's property.

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 04/30/2015 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: THIS IS NOT A DUPLICATE ... 

I have been trying to get Experian the information they are saying to be more specific about AND ... They have now locked me out of my account ... So I can not get the account numbers. I want someone from Experian to call me ASAP. How do we let people like this keep ruining peoples life 's? I Have XXXX bankruptcy on my file..Not sure how they do n't know what I 'm talking about?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX nationstar stopped taking auto withdrawl from XXXX XXXX XXXX ac. with no notification ( phone calls ' letters ) that they stopped withdrawl or quite posibly sold my mortgage on XXXX/XXXX/16 i was served in person a forclosure notice i called to resolve and they said ihad to pay XXXX lawyers fees i offered to pay only what i owed imediately they refused to take my money without lawyers fees they also had no answers why they stopped taking automatic withdrawls

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ive contacted this company as well as XXXX in my recent attempts on XX/XX/2016 NUMEROUS times over the past several months almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times only to receive a bill which does NOT prove this to be MY DEBT. This has went WAY past the XXXX days limit to prove or delete and this company has done NEITHER even upon MANY MANY request from me for them 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 09/23/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: These people threatened to garnish my XXXX check through and did. The man was very rude even when I said I had no idea what he spoke of, he laughed and thought that was very funny. Me, not so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Credit determination

Complaint: Pulled credit report without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern : Our complaint is about Chase bank. We tried to make payments towards our balance to Chase Bank XXXX XXXX, 2012, but they would n't except the payments. Chase Bank expected us to make the full payment of {$21000.00} in which we did not have. This amount would have been the remaining amount due towards our 30year mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Fraud or scam

Complaint: I am XXXX XXXX military member with the XXXX XXXX XXXX XXXX. I have a checking account with USAA. On XX/XX/XXXX mobile deposits were made into my account in the amount of {$6500.00}, {$6700.00}, and {$500.00} for a total of {$13000.00}. The deposits were made by a " XXXX XXXX '' XXXX XXXX XXXX, XXXX GA, and the check was from a XXXX XXXX XXXX XXXX Account. I do not know XXXX XXXX, how she got my bank account information, or how the deposits were made. On XX/XX/XXXX, several debit withdrawals were made in increments of {$1000.00}, {$1500.00}, and three ( 4 ) {$2000.00} withdrawals for a total of {$10000.00}. The withdrawals do not provide any information about who withdrew the money from the account. The deposits of {$13000.00} were also withdrawn. I spoke with USAA reported the incident, it was investigated, and was told that they could not help me because it was a " personal matter. '' I also spoke with a legal assistance attorney with the XXXX XXXX and was referred to this complaint system with the CFPB. Any help in the matter would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Debt collection (Other debt) with Source Receivables Management LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I wanted an internet service and I went to XXXX XXXX located at XXXX XXXX and XXXX in XXXX Texas. They gave me a modem and I installed it but it was not working. I kept calling them so they can guide me with the installation. It worked for a day then I was no longer getting Internet connection. I went to a XXXX store close to me in XXXX to return the modem, they refused to take it back. My personal car broke down and I was driving a company vehicle which I could not use for my personal errands but every XXXX store that was on my way I stopped to return the modem but they were refusing to take it back. 
Finally, I had a job around XXXX and XXXX XXXX I left the modem with a XXXX clerk by the name of XXXX. But he told me even though I brought the Modem back, I still was going to pay for it.I got the Modem onXX/XX/XXXX and I returned it sometimes early XXXX for the reason I stated above. 
Next thing I know, I received a bill from XX/XX/XXXXXXXXXX/XX/XXXX in the amount of XXXX Dollars. I called them to ask where this amount came from, did not get a satisfactory answer. 
Next, another bill from XX/XX/XXXX - XX/XX/XXXX in the amount of XXXX dollars. 
Next another bill from XX/XX/XXXXXXXXXX/XX/XXXX in the amount of XXXX dollars Next another bill from XX/XX/XXXX - XX/XX/XXXXXXXX in the amount of XXXX Now they put me on collection and said I owe them XXXX. 
I do not have the money to hire a lawyer that is why I am turning to you for help

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 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX is charging me for monies that I have paid to collection agencies. In addition, I was advised by XXXX to keep internet equipment and suspend accounts until I restore services in my new state that I moved to. Unfortunately, I decided to turn in the equipment ( see attachment ) and is currently being charged. XXXX is stating that they did not receive the equipment, but attached records shows that a XXXX employee signed for the equipment. Also, they have XXXX different collection agency contact me regarding the same account. I paid one {$170.00} and the other is demanding payment. Both are unethically on my credit report and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Alleged debt is fraudulent. Owner 's maintenance fees were charged to my wife and me as co-owners and paid in full. My wife and I decided to place the time share into my name alone. The Owner 's Association then apparently decided to charge the same maintenance fee that i had paid with my wife to me as the " new owner. '' This duplicate charge is unconscionable and i will be reporting it to all appropriate Federal and State Agencies.

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 04/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have recently been monitoring my credit report and I noticed that a negative account had been added. I did not recognize the company that reported. I contacted the creditor and discovered it was a delinquent XXXX XXXX XXXX account. They did not contact me in any way whatsoever before adding it to my credit report. They refused to work with me or remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Incorrect XXXX XXXX XXXX Inquiry posted to my account on XX/XX/2017. It should be removed from my 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 07/24/2015 about Debt collection (Credit card) with Blatt, Hasenmiller, Leibsker & Moore, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Problem-Garnishment of Funds by Blatt, Hasemiller, LeibskerXXXX & Moore LLC for a XXXX account that had been settled. 

The law firm of Blatt, Hasemiller, Leibsker & Moore LLC. BHLM garnished my income tax returns for an account that had been previously settled. I had already submitted the paperwork to them a few years back. After coming across that old documentation again, I re-submitted it to the law firm on today XX/XX/XXXX. On XX/XX/XXXX I received a letter in the mail stating that the firm did an investigation and can find no evidence that this account was ever settled or paid in full. I also was sent a copy of a Request and Writ For Garnishment ( Income Tax Refund/ Credit XXXX dated XX/XX/XXXX I never received. I do have a copy of the Request and Writ For Garnishment ( Income Tax Refund/ Credit ) that I had received and do n't understand why there are now two.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: PNC allowed XXXX XXXX XXXX to steal over $ XXXX from my business account by approving his access. ( I 'm the only legal signer. ) There was a huge investigation, indictment and his guilty plea to a XXXX theft charge. Despite the admittance of his guilt, PNC does not want to return the money they allowed him take. 
In the process of waiting for his trial, I got another call from the police. This time they found my PNC documents on site of a raid for a Identity thief ring with all of my personal information. ( Name, address, SS #, Date of birth ). I 've recently recieve a letter from the Department of Justice advising of my victim 's rights on that case. Despite them allowing XXXX XXXX XXXX to take money out of my account and allowing my personal documents to be stolen, they still defaulted my commercial loan that I made attempts to stay current on as well as paying on the credit card that XXXX XXXX XXXX pled guilty on abusing. My business was never allow to benefit from the loan because XXXX XXXX XXXX was allowed to steal the money directly from my business account. Just yesterday they sent an appraiser to my office to prepare for an online auction of all my equipment. I just want to make the public aware of what can happen when you are too small to fight against someone as big as PNC. I 'm asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Debt was deleted from my credit report and was reinserted around XXXX without proper 5 day notice or reinvestigation notce

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2015 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: reported to collections early ... negatively impacting credit report AES student loans

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am sending another complain because i am becoming extremely concerned about some misinformation that is reporting on my credit report. I have been waiting more than 6o days, I have sent a second complaint and I have disputed this companies response and yet I still do not have a proper resolution to some incorrect reporting on my credit report. 

Transunion is reporting false negative items to my credit report damaging my creditability with all of my financial institutions. I would like to extend another complaint to the CFPB with high hopes that my situation will be elevated to a more invasive investigative unit. I am highly concerned that they are continually shutting me down and refusing to properly investigate and validate their wrongful reporting and this process is taking so long that it has left me financial paralyzed. 
1. XXXX XXXX card # XXXX is reporting XXXX late payments and that is absolutely false and I would like the CFPB to join forces with Transunion and properly verify this misinformation immediately. 
2. XXXX is the SAME. For some reason they are reporting the account as PAST DUE and it has NEVER been late. I would like a full investigation with the help of the CFPB in order to validate and verify all information legally and properly. 
3. XXXX, XXXX is an account that has violated consumer safety and protection laws against me as a consumer and has to be deleted for falsely and illegally reporting to my credit report with your company. They are in violation of FDCPA laws and are currently under federal investigation for threats, abusive conduct and illegal documentation and non-debt validation. 
4. The TAX Lien was withdrawn from my name and I DONT REQUEST INFORMATION SUCH AS MY NAME TO BE VERIFIED! I have repeatedly asked them to stop sending me generic and uneducated responses verify silly things such as my name and such. I have told them that there are court orders from 2011 withdrawing these invalid liens. VERIFY THAT OR DELETE THE TAX LIEN immediately because you are ILLEGALLY reporting it! 

*************************************************************************************I will say this again and again. I will not take ANOTHER generic response as a form of validation of my disputes. You are clearly IGNORING me and have messed with the wrong consumer Transunion. I hope the CFPB can see you for who you are, a fake company in the pockets of ally of these companies who pay you hundreds and thousands of dollars a month to ruin peoples lives! Correct these XXXX items immediately, I will not stand for your lack of proof, investigation and evidence. That is not a proper reinvestigation BY ANY TERMS!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Full payment has been made, received, and deposited and yet the collection company, Transworld Systems , Inc., continues to send collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: A home at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX was sold at public auction on XXXX XXXX, 2017 at the XXXX XXXX County Court House. The property had been recently refinanced and the company forwarded all closing documents to the trustee who continued his unethical practice of hindering trade and commerce and a violation of Florida Statute 542.18. The Trustee / Attorney violated Florida Bar rule 5-1.1, " by not following a directive of a client or protecting the interest of a client ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NY).
Issue: Trouble during payment process

Complaint: I " inherited '' them as my servicer when they purchased the company that held my loan. Green tree and now ditech bought forced insurance on my property, at double the going rate. I have a Co-Op which means the building has its own insurance. After numerous complaints and hiring a attorney, ditech conceded that they made a mistake. Their lawyers admitted that they were wrong and ditech sent me a letter admitting their error. This is after months of them threatening to foreclose my home and ruining my credit rating. Then ditech sent me a bill for an escrow fund which I did n't understand but paid it for the amount of {$4000.00}. I then realized that they use this escrow account to PAY for the forced insurance which they ADMITTED it was incorrect. I telephoned them about this and after speaking with several people they stated that they will " look into it. '' And when you ask them, repeatedly, and nicely as a customer for them to fix their errors they continue to gameplay. Furthermore, they continue to not cashed my past mortgage payments then they add late fees or worse send a foreclosure letter. I 'm also attaching a letter emailed to them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation