milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2015 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had XXXX ( XXXX ) Collections that were placed with Fredrick J Hanna and Associates in XXXX. XXXX XXXX {$500.00} credit limit ( now show that I owe over {$1500.00} ). How can the payoff be more than the credit limit on the card when there was a {$300.00} credit balance left on the card. I called Frederick J Hanna 's office to settle the acct. for the original credit card balance and was told by a XXXX XXXX representative that they would not except the payment2. XXXX Credit card {$1500.00} credit limit ( same thing happened as with the XXXX XXXX. There was an XXXX representative at Frederick J Hanna that said they would not except the {$800.00} that I offered. After making several attempts to pay the collections I then pull my credit report to find that XXXX was sold to another collection agency named XXXX XXXX and they are now and has been reporting me late every month since XXXX Who are these people and how is it that the account was sold while being handled by an attorney? 
This now appears XXXX on my credit report, which is affecting my overall score. 

I am really at a lose and do n't know what I should do from here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit determination

Complaint: There was a hard pull ( inquiry ) made by CBNA ( Citibank national association ). I do not have an account with this company nor did I give them permission to pull my credit report as well. This event has unfortunately caused a drop in my credit score and I would like this hard inquiry removed from credit report as soon as possible. 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 explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax had a security breach announced in XXXX 2017 and my information including social security number, credit cards, driver 's license etc. was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: changing terms of loan from XXXX y to XXXX yover charging escrow taxesrefused to sent me a vod. validtion of debt per section XXXXXXXXbuying home insurancerefusing paymentsnot paying taxes

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with M. G. Credit, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Back in XX/XX/2014 I was thinking about joining a gym but could n't due to health problems plus I am XXXX, XXXX and also had a XXXX and XXXX I could not go to much going on. I never got there letters now this company named XXXX put the bill in collections now there is a very negative collection on my credit report. My Dr would have vouched for me because he knows I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I got a new Consumer Credit Card with Home Depot yesterday afternoon. I had to submit my social security number and my telephone number. An hour later I started getting calls ( I have now gotten 8 calls that I answered, with various different scams. One claimed that I had won a government grant of {$9500.00} for paying my taxes on time. The other claimed it was an agent of the IRS calling. Another was a Medical Claims Payment. All of them were scams asking for some id or financial information from me. I think that one or more of the organizations Home depot sells its information to is using that information to call people with illegal money scams. I called Home depot and had my number put on the do not call list, and I have stopped getting calls.

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 01/22/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. My apartment was broken into and several identity documents were stolen. After the theft several accounts were opened in my name. I have had to dispute these accounts in the past. Now there is only one account left. The collection account from debt collector " Hunter Warfield '' is being reported on my credit report. This collection account is for an original creditor. The original creditor is an apartment complex called " XXXX XXXX ''. This apartment is the address that all the fraudulent accounts were opened at and credit and debit cards sent to. I never lived at this apartment complex nor have I ever agreed to any lease with this apartment complex. Every single bank has done their own investigation and found that I did not open the accounts nor did I live at the XXXX XXXX address. I have filed a police report and an FTC Identity theft report. I submitted this information in a dispute directly to Hunter Warfield 60 days ago yet they still are reporting this negative account on my credit. This is the only negative item on my otherwise perfect credit report. 

I have attached the following documents to this dispute : A copy of the police report A copy of the FTC identity theft affidavit A screen shot of the " XXXX XXXX '' webpage showing the address which is the fraudulent address where credit cards where sent to and where a lease was executed in my name without my knowledge or consent. 
A copy of the XXXX credit card application that was opened in my name, showing the XXXX XXXX address A copy of the letter from XXXX showing the results of their investigation removing me from the account and deleting it from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Late fee

Complaint: My husband got a new job and he was paid monthly at the end of the month. I started paying all our bills at the end of the month. Synchrony Financial has charged me late fees since XXXX 2016, even though I made payments and paid over the minimum payment some months. In some of the months, I made two payments, one at the first of the month for current statement and one a the end of the month for next statement. However, the second payment was not applied to the next billing statement, even though it was made after the required due date from the previous statement. I have now incurred over {$200.00} in late fees, but have been paying every month.

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 01-01-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: BBVA Compass froze my account without notice after cashing a fraudulent check because they did n't do their due diligence and verify funds availability of the check ( POLICE REPORT FILED ON WEDNESDAY, XXXX XXXX, 2015 WITH THE XXXX SHERIFFS OFFICE IN XXXX, FLORIDA ). Further I was not notified in any way about my account being frozen or the fact that they are going to hold my employer based direct deposit and all other accessible funds on my account, which has placed my family in dire financial constraints even for basic necessities. All of this was without knowledge to me of what the bank was doing with my account/ my funds. All of which violations of Regulation E, Graham Leach Bliley Act, Dodd-Frank Act and financial acts relative to full disclosure given on actions taken by financial accounts to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I purchased a home in XXXX and financed both the XXXX & XXXX loan through same lender. Home was foreclosed in XX/XX/XXXX. It appears lender wrote off any unpaid balance on XXXX lien but sold the XXXX lien to a collection agency that goes by the name of XXXX XXXX XXXX. 

XXXX XXXX XXXX is keeping the XXXX lien on my credit report as active and open loan. There has been no payments since XXXX XXXX. Collection on the debt is barred by the Statute of Limitation in Texas. I want the loan to show as closed and not as an open & active loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 11/18/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several inquiries on my report from companies, I do not have any accounts or services with. I did not authorize these companies to access my credit records under any circumstances. These inquiries appear on my XXXX as well as my Equifax accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and are currently in the middle of a loan modification work out with Select Portfolio Servicing. We have been resubmitting all of the same paperwork for the last two and a half years and we still ca n't get a closure from this lender. 
Now our loan is being transferred to a new servicer on XX/XX/2016 and SPS our current servicer put a foreclosure sale date on our property of XX/XX/2016. 
Hears the unethical business act that SPS is doing to us, we are currently in the loan modification workout dept. 
We really need help stopping our Foreclosure Sale Date on XX/XX/2016. We have followed every request and guideline from SPS and now we are going to lose our home because of the lack of knowledge and again the unethical business practice that SPS feels they can get away with and nobody will file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I paid a tax {$1100.00} to XXXX XXXX XXXX XXXX XXXX on time. Bank of America made a mistake whereby the taxing authority returned the money to my account and Bank of America paid them the above amount plus {$220.00} in late fees. The mortgage payments are deducted from my cheeking account on the XXXX of the month automatically. Bank of America erroneously opened an escrow account and fund it out of my payments thereby making my loan payments partial payments and late for the last XXXX months. I have spoken to several persons in customer service and escrow department. I am promised the problem will be fixed it is not. I have a letter dated XXXX/XXXX/2015 my loan will be accelerated by XXXX XXXX. I was told to send a letter asking the bank to remove the late payment history from the XXXX credit bureau, I did. I was told I must also contact the bureau myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have sent to XXXX  and XXXX  copies of my current drivers license along with utility bills showing my correct address and that the ones they have listed other then it are incorrect. Yet they do not remove them, I have sent the proof to XXXX  3 times and each time they claim they need me to resend the proof. I do not understand why they are being so difficult in correcting my address. I have also notified them and ask for proof of several inquiries appearing on my report yet they both just send me canned letters about credit inquiries and nothing proving I authorized them or any thing, this also includes Trans Union in this complaint on the inquiries.

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 06-04-2017 about Debt collection (Medical debt) with Mid-Michigan Collection Bureau (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off two outstanding bill from Mid-Michigan Collection Bureau. Still on my credit report. # XXXX & XXXX are the account numbers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: I used XXXX " access checks '' from Bank of America ( {$600.00} each ) to pay a contractor for work related to repairs on my house. The XXXX access check was written to him for the work. The XXXX access check was written to him after he claimed that the XXXX check was accidentally destroyed by his dog. He then never completed the work nor returned any of the money. Since then, the police has charged and arrested him ( the case is pending trial at this time ). I had also notified Bank of America asking them to reverse these charges. They had asked for a copy of the original contract ( which I provided ) and evidence of the work not being completed ( they refused to accept pictures ). On this, I submitted the adjusters report from the claim I filed on my homeowner 's insurance. This report showed clearly the significant damage done to my home as a result of the incomplete work by the fraudulent contractor. I had also submitted the police report and contact officer 's information to Bank of America. After receiving a rejection letter from Bank of America claiming I did not submit all required documentation ( which in good faith I had! ) I called their Status Department for dispute resolution and spoke with XXXX XXXX the supervisor. She admitted that EVEN IF I FOLLOWED THROUGH EXACTLY WITH ALL OF THEIR REQUIREMENTS ( which I did! ) that they STILL COULD NOT RE-CREDIT MY ACCOUNT since, in her words, Access Checks are like cash. I had used those access checks because I felt they gave me greater security in dealing with merchants. As a consumer, when I use those checks, they show up as CHARGES TO MY CREDIT CARD and thus should be treated like any other charges I would make from time to time using the credit card -- thus being protected from unscrupulous merchants. As a final note : I expect in life to have to deal with people who are out to defraud me ; unfortunately, its a part of life. What I do n't expect and am even more angry over is when a company that promises to protect my purchases IN WRITING fails to follow through with that commitment. 

I have the following documents : 1. original contract with the contractor ; 2. copies of checks cashed ; 3. police case # and investigating officer ; 4. copies of insurance adjuster report detailing damages to my house ; 5. invoice from the new XXXX I had to hire to repair the unfinished work ; 6. documentation of phone calls to Bank of America ( XXXX phone calls over a period of 2 months totaling over 2 hours ) ; and 7. XXXX fax confirmation sheets that I had sent to Bank of America providing documents that they requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: not my account. company is still reporting even though I 've notified them of such, filed a dispute with CRA and they have not provided proof that this is my account or the amount they say I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCB Credit Serivces, Inc (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX SERVICES WAS PAID AND SETTLED ACCOUNT IN XX/XX/XXXX-XX/XX/XXXX, XXXX-ILLINOIS ACCOUNT XXXX, SOLD DEBT TO XXXX XX/XX/XXXX WHERE THEY WENT ONTO CREDIT REPORTS W/O VALIDATING INVALID DEBT. FCRA, FDCPA AND TCPA VIOLATORS.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint: After careful review on my behave of the consecutive timeline period provided by "XXXX XXXX XXXX" correspondence and all paperwork necessary in resolving this case; as stated in the attached letter "ChexSystems Request for Investigation" that was initiated by you (******.) and disputed for investigation by me on XX/XX/XXXX; ..it was written by your letter that if ChexSystems does not receive a response to this investigation requested by XX/XX/XXXX this "disputed item" shall be removed from the "ChexSystems" files. ChexSystems and myself were notified of the outcome on XX/XX/XXXX--that is more than 1 month and 12 days that passed over as directed by the Federal Fair Credit Reporting Act!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This is for loan XXXX XXXX and the late payment on XXXX that was reported as late on my credit report while an investigation by XXXX XXXX XXXX was being supposedly completed by them. <P/>I reported this to XXXX at XXXX with supervisor Mr. XXXX about the car accident. He agreed to resolve the matter and return my phone call with-in 4 business days. We agreed that I not make the payment until I heard back from him specifically with regards to a resolution. <P/>He further stated as other XXXX representatives verified that a " hold '' or indispute was put on my file and that the next payment due would not get reported late if I the matter was resolved. <P/>I and all parties agreed to this. I only noticed several days later hat they did report by negligence and error that I was late. <P/>I was not late. I never heard from anyone and did as I was told. Which was to not make the next lease payment until the issue was resolved. <P/>As I have stated numerous times, I have tried at least 20 times to contact XXXX and they will not speak with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech again misappropriated my funds to create any financial hardship it can to facilitate a default since it knows I am unemployed and Ditech refused to provide a HAMP modification for a completed XX/XX/XXXX application. 

Ditech is overcharging me and putting the money in escrow. It is attempting to use the fact that the escrow account is mine and therefore it is not taking money. 

However, it is still a misappropriation of funds and an increase in my note that I should not be paying. 

I was paying an additional {$10.00} per month for a total of {$1100.00} because there was an escrow shortfall. It was cured on XX/XX/XXXX, and in fact my escrow account is ahead. Yet, Ditech refused to make the adjustment in XX/XX/XXXX or XX/XX/XXXX when new escrow estimates are supposed to take effect. 

Also, Ditech placed {$72.00} in funds in suspense and then put the money in escrow. My note does not allow funds in suspense to be put into escrow. I asked for a refund and Ditech refuses. My note allows for refunds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Same old same old- just recording for legal purposes.  Information never correct even after dispute. I check with lenders and they CLAIM they have rectified it. Experian did not allow me a dispute again. Lenders claim they " were '' not notified by Experian. My core has not gone D O W N even with numerous corre ctions.

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