milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (LA).
Issue: Application, originator, mortgage broker

Complaint: I contacted quickenloans about getting pre-qualified for an FHA Mortgage. The agent pulled my credit reports and said that while my credit score qualified me for a loan, they could not proceed because I have disputes on my credit report. It is my understanding that under CFPB regulations, credit can not be denied for " exercising in good faith a right under the Consumer Credit Protection Act ( such as disputing information in your credit report ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Have been trying to improve my credit score for a long time. It has been slowing rising. believe in not having credit cards. Only items on my credit report were student loans which I co signed for my daughter, an auto loan I cosigned for another daugther, and a small auto loan which I have. The auto loan for my daughter was paid off so I assumed that my credit score would go up somewhat. To my surprise it went down 15 points. Cant understand why with report showing all accounts in good standing, why my credit sore would go down 15 points, not up or remain the same. Have strived to improve my score, only to see it drop. Contacted equifax to explain why only to get the run around. Only thing they told me to do was contact you. Have strived to keep my credit spending under control.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am in the process of purchasing a home. I pulled my credit report only to find over XXXX credit inquiries on my report, XXXX collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Other

Complaint: I had a credit card with HSBC and I used to use it. When the ( HSBC ) card was expire I did n't continue it. I stopped use the card. After that, I think the HSBC sent another new card to the address and at the same time I went to visit in my country. Then someone took my card and used it. Unfortunately I did n't any contact with HSBC because of I never think it 's could be like that. Even I did n't check out my credit report in this time. Finally I knew about it when I to buy a new car with car dealer. When I was finance about my new car the finance ( car dealer ) man told me I have a problem with HSBC. Then I contacted with HSBC and they told me they could n't help me about it because of its passed already more than XXXX days. So please help me to solve it then I will really appreciate for it. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On XXXX XXXX, 2017, at around XXXX XXXX, I tried to cash a check at the Chase Branch located at XXXX XXXX XXXX. XXXX, CA XXXX. My attorney and I presented a check for deposit to a Teller named XXXX XXXX I explained to XXXX we needed to deposit two checks made out to The Law Offices of XXXX XXXX XXXX and XXXX XXXX XXXX to my checking account. One check was for the amount of {$2300.00} and {$1900.00}. My attorney and I both endorsed the checks in front of XXXX the teller. XXXX refused to deposit the checks because they were made out to me and my attorney. I explained to XXXX I had called Chase 's Deposit Review Department to get the specific instructions of how to deposit my checks. I asked  XXXX to call and verify with the Deposit Review Department for instructions on how to deposit my checks. XXXX refused and went in the back to ask the Banks Manager. XXXX returned and said his manager instructed him he could not deposit the checks. I asked if I could speak to the Bank Manager, so I could explain I had already spoken to The Deposit Review Department before I came to the Bank. XXXX refused to get the manager and rudely told me to get out of the Bank. The Manager had a responsibility to resolve my deposit issue with XXXX. The Manager should make every attempt to resolve any and all banking matters before turning away a customer. Further, XXXX lacks professionalism in his dress as a XXXX. XXXX was dressed in a XXXX XXXX XXXX jacket. A job as a teller is a professional job and should dress accordingly. Tellers need to project professionalism for Chase Bank and their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Winklevoss Exchange LLC ().
Issue: Other service problem

Complaint: Hi, I have a account with XXXX  ( XXXX ). I started using XXXX since XX/XX/XXXX, for good 3 months. There isn't any problem from their side. 

However, I received an email on XX/XX/XXXX saying that my account has be be closed. They give me 5 days of time to withdraw my Bitcoin, Ethereum and USD from the receipt of the email. I tried email and ask for reason and try to cooperate with them. 

Sadly, they replied saying that they will not elaborate on any specifics of the decision. I am a XXXX registered customer and I did not break any rules from their terms and conditions. I depend solely on XXXX to trade on virtual currencies, having my account closed has been a big deal to me. They might just lose a customer, but the loses I carry is much more. As of right now, I cant access to my account as it was closed. 

This is not fair. I hope CFPB can help me solve my problem and have my account activate back 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 explanation
Consumer complaint received 02-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harvard Collections, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I dispute the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: Unfair charges to pay mortgage and credit reporting I have the Mortgage Account with Loancare. Paying on time ( Every XX/XX/XXXX of the Month ) thru my bill pay account. I realized from their statements late charged after XX/XX/XXXX that my billpay is physically mailing them the checks and they are receiving after XX/XX/XXXX. I  tried to schedule auto payments form their website but it does not schedule the payment once it is due ( after XX/XX/XXXX ). Then I started paying for their website but they charge the fee to pay online after XX/XX/XXXX of every month. More closer you are of the deadline ( XX/XX/XXXX day of month ) higher the fee. I called in so many times but never got anyone to talk to. Finally i got someone to talk in Mid ofXX/XX/XXXX ( I guess it was XX/XX/XXXX ) and request them to make auto draft every  month. They took my banking info and told me that it will be schedule from next month. I went out of country in XX/XX/XXXX and came back in mid of XX/XX/XXXX and received mails that I am behind my mortgage for 2 months. I checked my bank account and found that no draft was made. Ever since i am trying to contact them by phone but found no human to talk to. I sent them 2 request to explain all this thru their website contact us form on XX/XX/XXXX and XX/XX/XXXX but they did not contacted us. They reported us to the credit bureau. Charged is {$190.00} for the late fee. Higher than anywhere.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Auto debt) with TD BANK US HOLDING COMPANY (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Please delete this off my Credit report ... this account is a ZERO BALANCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2015 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Sent certified letter to Gold Key Credit/Collection to verify debt that is not mine no response to date they had XXXX collection accounts and only deleted XXXX but still has not sent any verification of the debt for the other XXXX nor have they removed from credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Settlement process and costs

Complaint: 1. I applied for the refinance of a loan on an investment property with Citibank. The marketing person gave loan cost info that was substantially below what actually was charged and told me he would see the loan through the entire process. He did not!!! The service dept. was " on its own '' and with no XXXX checking on the status of the loan, the loan processor got a new position and apparently did not tell the new processor that the XXXX pages of documents I had faxed on 3 days demand which were to go to underwriting, were in the file! When the new processor asked for the same docs, I informed her I had a receipt from 10 days previously. She said she had no documents. I called her supervisor who found the documents! I was also told just before closing that I had to obtain insurance coverage for the Assn. Master policy and the co. to call. That Co. was surprised that the lender did not make the request ( typical I was told ) and that I had to pay them for it ( the usual payment was through escrow ). When the closing documents were presented late on the date before closing from Citi 's closing dept, there were many errors! I came to escrow early knowing extra time would be needed to repair the errors. The errors were not corrected timely and I paid 3 more days at the higher rate from the previous lender. 
The marketer 's answer : no big problem and not to worry about it and no one will do anything about it. His supervisor told me he was sorry and gave me your email. A friend told me she had had the same experience with Citibank and the servicing dept., about the same time, although we each had a different marketing salesperson. 
A less experienced or sophisticated client would end up paying substantially more for their loan, perhaps going beyond the guaranteed interest rate date, due to sloppy management.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (DE).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I believe in the State of Delaware Sunday collection calls are prohibited on Sunday 's. I received a call this morning at XXXX which according to your website is legal to call after XXXX although it is Sunday morning and I was having breakfast with my family and when I answered they hung up. I googled the number and it was Midland Credit they called from XXXX. Not sure who or why they were calling but it is Sunday morning have some respect for consumers and their families.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I just found out someone was billing MY XXXX Account XXXX years ago. 
I was receiving emails to my main email account stating that I was applying for mortgages. 
I 'm trying to nip this problem in the bud, but I 'm having a hard time getting the fraud alert off the ground. 
I tried filing a fraud alert, as per https : //www.identitytheft.gov/ but once I got to Equifax 's web portal, I could n't make any headway. 
They gave me a PDF file to mail in a form. Do they not trust me online?

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Medical debt) with Ashfield Management Services Inc, (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a debt from the XXXX XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX Hospital in XXXX, Pa. This debt was transferred to XXXX and I have been making monthly payments. Several years in XXXX stopped sending me statements about my debt. I would call statements would resume, for a year then stop. The only way I receive a statement is by not making a monthly payment, which XXXX then attempts to void my monthly payment plan. I filed a complaint with the BBB and was advised I would receive statements, which I have not. I filed a complaint with you, complaint XXXX, that XXXX states was not with them which was concerning because they are cashing my checks. On XXXX XXXX I received correspondence due to not making a payment in an attempt to know the balance and the letter states from XXXX. I never received any notification that my debt was being transferred or that XXXX is now XXXX. I am asking to receive statements in an effort to know what is owed, who I am paying, that my payments are being applied.

Company response to consumer: Untimely response
Consumer complaint received 01/14/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I cancelled a service XXXX 2016, I recently received my credit card statement for the month of XXXX and realized that this company billed me TWICE in the amount of {$59.00} for a service I CALLED AND VERBALLY CANCELLED TWO MONTHS PRIOR.. CALLED AND Spoke with a agent who confirmed that I have not used these services but told me that my money WILL NOT BE REFUNDED ...

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 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Had a negative remark on credit reports XX/XX/XXXX. Determined debt was not mine. Originator was XXXX. they sold this debt to XXXX then it went to XXXX. XX/XX/XXXX collection agency XXXX was notified via XXXX XXXX and XXXX XXXX XXXX that XXXX was in error and I did n't have the account in question. XX/XX/XXXX the same debt is now being pursued by ERC-Enhance Recovery Company. I submitted the info to them in XX/XX/XXXX as per documentation from the XX/XX/XXXX events. Now have negative remarks on credit report from ERC. They never replied after XX/XX/XXXX info faxed to them. Just received another letter stating owe money. They have not provided any information that supports that I have any debt owed. They have falsely reported to the credit agencies and are attempting to collect debt which is not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. I rented a home and had XXXX XXXX. I canceled service when I moved before 2014. They told me I had to turn in a piece of equipment that was located on a tall telephone poll over 30 ' tall. I told them I was XXXX and could not climb the poll and asked if they could send someone out, they said " no '' and told me to figure it out. I owed a phone bill but I could not turn in that piece of equipment so they added that to my final bill. I can not go on someone elses property or climb the poll myself so they are charging me over {$300.00} for that piece plus interest and penalties because I am unable to turn that piece in. I turned in everything else inside the home. I feel like they are discriminating and trying to force someone to pay for something that XXXX installed on the pole that I could not climb to retreave. XXXX XXXX is now collecting and I try to dispute but they say XXXX will not change the collection amount they are charging me for that piece.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Loan was sold off to Greentree with clear directions for taxes to be paid from our escrow account. XXXX months after Greentree took over we received a late tax notice from our county treasurer. The loan documents given to Greentree at the time of transfer clearly state that taxes are to be paid through escrow. Greentree took not only a lump sum escrow payment at transfer ( specifically for taxes ) but has also been collecting escrow money from our monthly payments ( specifically for taxes ). When we called to see why Greentree was not paying our taxes from escrow we hit a wall of ineptitude and rudeness. Greentree required we send a copy of our late tax bill to their escrow department even after verifying that the original loan documents did indeed state that taxes were to be paid from escrow. Why are customers required to clean up the messes of Greentree when it 's their backwards company policies that are causing these issues? Why do consumers have no say on who buys their loan from their original servicer? Why is Greentree allowed to still do " business '' even after settling with the government for just such infractions? A horrible company with horrible staff. Steer way clear if you have any choice in the matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, I had a second mortgage with XXXX. They lied to me about the mortgage rate, and after couple years the rate skyrocketed. In XXXX, I could no longer pay especially the mortgage rates went down dramatically, but XXXX refused to refinance. When I stopped the payments and was ready to walk away, they decided to settle. The mortgage was {$120000.00} ( I paid around {$120000.00} in P & I in 5 years ), and they asked me for {$10000.00} toe settle. I sent them {$5000.00}, promising the rest in a month. Then XXXX charged off the loan left the USA. Couple years later, I received a letter and calls from Green Tree asking for the money. I did n't even know they bought the loan. I explained to them that as promised, I could send them the $ XXXX, but the wanted the entire {$120000.00}. I had a verbal agreement with XXXX but they would not honor it. Again silence for a year until I received a letter from Ditech asking again for {$120000.00}. Again, I reminded them of the $ XXXX agreement, but they do n't want to listen. They paid pennies for this mortgage and now they want to squeeze me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I called numerous times today XXXX/XXXX/2017 to request to speak to a supervisor, but I guess you all do n't properly train your employees on the FDCPA Law because they answer the line with out ID themselves and then hang up debtors who calling in to pay on their accounts. After finally speaking to supervisor by the name of XXXX XXXX? I explain to him what I am calling to resolve my account and ask what can he offer as a settlement offer, then he ask me what can I offer, then I ask him again what can he offer, then he went out to explain how I was argumentative with the pervious representative, but I inform him if someone ask you a question, it rude to turn around as ask them the same questions that 's how conversation become argumentative but I guess since I 'm the debtor I am not smart and cant comprehend. You all do n't owed the debt which means that when some gives and offer you all suppose to take it and pass on to your client but XXXX told me to send it in written and its okay to send it through the BBB.org. I and offering to pay nothing since you all accuse me of being argumentative when I called and ask a question and all the rep did was ask me the same question I ask and then accuse me of being argumentative. you all are in violation of the FDCPA and I am requesting for you all to pay the bill for me and I need to speak with the CEO of XXXX and or President and laugh if you want to.

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