milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I made my mortgage payment on XX/XX/2017 in the amount of {$1300.00}, which was about {$6.00} more than what was due, and I asked that the {$6.00} go towards principle. On XXXX/XXXX/2017 there I received an email from my mortgage servicer that they had received {$350.00} which went towards escrow. I did not request this payment and frankly did n't plan financially to make an additional payment this month. When I called my servicer they said " oh, must have been a mistake '' but were unable to stop the payment from going through.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Credit card debt) with Gordon, Aylworth & Tami, P.C. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Gordon, Aylworth & Tami, P.C., on behalf of XXXX XXXX XXXX XXXX sent me a summons and complaint that they were suing me for {$590.00} for a XXXX XXXX account I had never opened nor authorized. I did not ever receive any communications from XXXX XXXX, XXXX XXXX, or Gordon, Aylworth & Tami, P.C.,  and had no knowledge regarding the fraudulent account, until I was handed the summons at my door on XX/XX/XXXX. I filed an appearance and an answer to the complaint, denying that the debt is mine and that I was a victim of identity theft. According to the papers sent by the attorney, there is a statement of charges totaling approximately {$220.00}, which were not made by me. I have not received any documentation with my signature either, showing that I opened or authorized the alleged account with XXXX XXXX. I was only sent generic copies of papers from XXXX XXXX and papers from various firms, including XXXX XXXX, with a data file account blacked out, but nothing that specifically states or validates that they purchased an alleged account with my name, or were authorized to collect on alleged account. ( which they would have been fraudulently collecting on, since I did not open or authorize any account under my name! ) The account, per the documents I was sent, was opened in XX/XX/XXXX, and was closed in XX/XX/XXXX. In XX/XX/XXXX I was contacted by USPS and also had contact with the IRS, regarding someone attempting to change my address to an address in XXXX. As I had not known about nor heard about this debt, which is not mine, until a little under a month ago, I feel my rights as a consumer have been blatantly violated, because I had not received any prior communication or notification regarding the fraudulent debt from XXXX XXXX, or XXXX XXXX, until I received the summons at my door, that I was being sued, on XX/XX/XXXX. So, from XX/XX/XXXX to XX/XX/XXXX, I had no knowledge of the account, nor communication from the aforementioned companies, that would have enabled me to properly dispute the account and charges in a timely manner. Thank You for your time and attention to this matter. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and IQ Data International. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid multiple payments to XXXX, XXXX, and XXXX to the agency. Now they have sent me yet another collections notice and call to harrass me multiple times per day, refuse to listen that I do n't owe anything else. I have a message on my phone from the billing office at XXXX, stating I have paid everything. I also have front and back photos of cashed checks for the same bills multiple times. 

I only was allowed XXXX photos. I have at least XXXX that can show the bad business practices of both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There was an account opened in my name due to identity theft. I contacted XXXX XXXX to dispute this account and provided police reports to validate that this is not my account. The company refuses to properly investigate the matter and remove this item from my profile. I also contacted Equifax to dispute this account as fraud and they are not properly investigating either. I need Equifax to properly investigate this matter and pull the records of this account so that they can see it was disputed with a valid police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a FHA loan with a mortgage company who had set up an Escrow account for insurance and property taxes. Property tax was due for payment but the loan servicer did not pay it despite enough funds being in the escrow account resulting in penalty of {$160.00}. 
After the tax due date I had refinanced my mortgage and had to pay the penalty. I wrote and requested the Servicer for a refund but they denied saying that it was my responsibility and that nothing can be done as the account with them was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX $ on all XXXX credit reports this information is incorrect. I dont anybody any money what is this account For??

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I received a late payment alert on XX/XX/2017, I called XXXX and they acknowledged that I did receive my payments and needed to turn my vehicle in. I explained I had already returned my vehicle and gave them dealer information. They still reported a 30 day late, I disputed with the credit bureaus and was able to remove the late from 1 of them. But 2 bureaus was not removed. I sent a letter on XX/XX/XXXX, they sent me paperwork showing my payments which were not late but still reporting a 30 day late.

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 09/19/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have attempted to apply for a loan modification from Wells Fargo 5 times. We have a Wachovia pick-a-pay mortgage. Most recently, following the loss of my husband 's job, we submitted modification paperwork. The online HAMP calculator indicated we should have been given a modification but WF declined us again. We are several payments behind but have been making regular monthly payments. They have now written to us saying they will accelerate foreclosure against the property. We believe that the modification was turned down incorrectly and that the bank is deliberately declining to help us.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A collection account appears on my credit report. XXXX XXXX Account # XXXX. The first report of the delinquency was XXXX and 7 years have now passed which according to the FDCPA, the collection account should have been deleted from my credit profile on XXXX XXXX. It still appears on my credit report and the credit bureaus are refusing to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived in California and have no connections now or have ever had any affiliations with a XXXX XXXX, California Address. Please purge this from my record, because it 's fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage , LLC has recently taken over the serving of our mortgage. My husband has been making extra payments on the loan. As he soon as he began paying extra on our mortgage, Nationstar Mortgage , LLC started charging illegal and unjustified charges to account. Although we have paid in advance and above our monthly payments, Nationstar Mortgage is claiming we are in default. Among the unjustified charages, Nationstar Mortgage has charged us {$1600.00} in legal fees, a fee of {$19.00} ( unexplained ), and a property inspection fee of {$100.00}. Nationstar is claiming that we are in default and must pay {$2.00}, XXXX to cure the default. Actually we are current on our payments and have paid over {$200.00} extra in payments. But Nationstar will not credit our payments is and is making up fees. None of these fees are permitted per my mortgage documents. More importantly none of them are legitimate. I would like CFPB to criminally charge this group. I am not the only victim of this comapny.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Medical debt) with Capio Partners, LLC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX A negative debt collection was posted to my XXXX credit report from AssetCare. I immediantly contacted the collection agency and they claimed the debt was purchased on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX in XXXX Texas for services on XXXX/XXXX/XXXX. The were attempting to charge me the amount of {$3100.00}. 

XXXX/XXXX/XXXX - I contacted XXXX XXXX XXXX to verify this information and try to discover where they ( AssetCare ) were coming from because the original amount owed of {$810.00} had already been purchased by XXXX XXXX XXXX with whom I was already working with to resolve the matter. After the hospital billing department representative, XXXX informed me that they did NOT sell nor have any affiliation with AssetCare nor its parent company XXXX XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX and they also confirmed that no such company had authorization to claim this debt. I then again contacted AssetCare and informed them of their fraudulent activity and that I would be reporting them to the XXXX XXXX XXXX and XXXX XXXX XXXX and they simply hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I wrote and mailed a certified letter to Experian and XXXX, regarding accounts on my report that are inaccurate. It has been 30 ( plus ) days, since someone signed for the papers, but I have not heard anything. I have duplicates of a debt ( private student loan ) and accounts that were made current, which are negatively affecting my credit. Also, an account that has some missing positive payment history, was not updated on my credit because the bank does n't want to improve my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit reporting () with EQUIFAX, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, What is happening is that I have pulled a credit report with Equifax and I can also see my XXXX sister 's financial information including bank account details, credit reports - everything. The company filed a complaint but have said that the info can only be taken off their credit system. I 'm worried that when I apply for credit they are seeing all of my sister 's information too on every system, can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: I received a letter from Bank of America on XXXX/XXXX/2016 that my account was being closed due to " a careful review of your banking relationship ''. The letter had a number on it that was not listed on Bank of America 's website. I called their customer service and asked if the letter was real and if my account was being closed and they said that no it was not and everything was fine. So I dropped the matter and did not think about it until on XXXX/XXXX/2016 I got a low balance below {$25.00} email from Bank of America. I tried to log into my account online and it denied me access saying " Their is no open account registered with this Username and Password ''. So i called customer service and a lady answer and said let me pull up your account. Then 5 seconds later said let me transfer you. She transferred me to a voice mail service where i could leave a message and someone would return my call. At this point I hung up and waited for the next day when I went to a branch to speak to someone. My mother who is also on the account went to the branch at " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX '' and asked to speak to someone and the branch manger walked me over to someone who pulled up my account and said, " I ca n't talk to you '' and gave her a the number XXXX to call. I called the number where again i was sent to a voicemail system again. This time I left a message and gave my name, phone number and account number. I did not receive a phone call until I was at work on XXXX/XXXX/2016 and they left me a voice mail and said to call back at the same number that sends you to voice mail. I left another message and finally some one called me back later on XXXX/XXXX/2016. He said that my account was being closed. I explained how the customer service said my account was not being closed after receiving the letter and he said, " We sent you a letter ''. Then he said that the money in the account would be mailed in the next couple of days and i would have to wait for the check. I have to wait and hope they send me my money from my account at this point since no one will talk to me at Bank of America.

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 10/22/2016 about Debt collection (I do not know) with Automated Collection Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016 I began receiving up to three calls daily from what I believe is XXXX/ASCI Collection Services ( www.acsi-collections.com ). In the past month I have logged nearly fifty calls from eleven different phone numbers with similar calling patterns. To date, no call has ever left an intelligible voice message. I 've resorted to whitelisting contacts in my address book. 

As described on their own website, this company 's calling infrastructure is fully automated and allegedly makes up to XXXX unsolicited calls every day. 

I 'm complaining because I 'm almost certain that the debt in question is a case of mistaken identity. I have incurred no significant debts, past or present, and my credit score is excellent ( XXXX ). This company boasts about its ability to harass debtors and does n't bother to identify itself or provide contact information when they call.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am having significant trouble getting items on my Equifax credit report removed and neither Equifax or XXXX XXXX XXXX are providing me with verification of debt. In the past I have sent request for verification to XXXX XXXX XXXX but did not receive any responsive documents. Furthermore, these items have been disputed with Equifax and Equifax always waits four weeks then marks the information as " verified ''. However, I do not understand how Equifax is verifying the disputed records if the data provider, XXXX XXXX XXXX, can not even provide me with proof of debt or respond to my debt verification inquiries. It may be worth noting that other consumer reporting agencies and financial institutions have already acknowledged the records submitted by XXXX XXXX XXXX to be false. Indeed, XXXX XXXX XXXX have already been removed from other reports because the information could not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent a dispute on XXXX/XXXX/15 asking for Equifax to validate the debt of XXXX XXXX and XXXX XXXX XXXX # XXXX account belonged to me with documentation showing it was mine and the amount owed. On XXXX/XXXX/15 XXXX they sent me a statement verifying they validated the debt belonged to me. on XXXX/XXXX/15 I sent another request asking them to verify the method used to validate the debt and to send proof of documentation. On XXXX XXXX they sent me a confirmation XXXX saying they verified the debt again with no documents or method of verification. This has been an ongoing issue and they have failed to properly verify the debt by proving it belongs to me and showing me the documents. It is not my job to validate the debt is not mine but it is their job to validate the debt is mine. On XXXX XXXX I asked for the method of verification again and today on XXXX/XXXX/15 they again sent me they verified the debt. I also reached out to the collection agency and was told they would furnish me all the documents and I never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX   XXXX   XXXX   XXXX   Synovus Bank. customer service  XXXX  Dispute resolution department  XXXX .   I disputed  XXXX  fraudulent charges on my credit card statement  four  times.  XXXX / XXXX /   17,   XXXX / XXXX /   17,   XXXX / XXXX  /17 and   XXXX / XXXX /   17. Th e amount of the  XXXX  charges is {$80.00}.  Synovus s aid the dates of the transactions are outside of the dispute time-frame and will not refund the disputed fraudulent amount, which I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Other financial service (Check cashing) with First Data Corporation (OH).
Issue: Customer service/Customer relations

Complaint: Both XXXX & XXXX refuse to cash my federal tax return check. They both use Telecheck & XXXX. They say my SSN does not match what they have. We tried it multiple times at each store.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacted several times by Midland Credit Management about a credit card debt. They repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not provide them with my current telephone number and do n't know how they retrieved it. They are harassing me to take me to court or other legal action if I do not pay them. The balance they are claiming I owe is {$930.00} for a XXXX credit card. The initial credit amount was {$600.00} and they are charging me extra. I called and spoke with someone on Monday XX/XX/XXXX. I tried to setup a payment arrangement for the {$600.00} but they would not remove the extra charges. I was only given an option to pay the balance in 2 payments and nothing else or I would be sued. They also sent a letter to an address I did n't provide them with. It is not even someone I 'm related to where they sent the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I have had numerous problems with the wrong amounts debited from my bank account, numerous escrow and insurance problems and nothing ever seems to get better after two years. The worst home loan company that I have ever dealt with. Most recently XXXX mortgage payments were taken out of my bank account the same week causing me to have a balance in my account of XXXX. I would have not known this if I had n't checked my bank account balance early that morning. If I had n't have checked it I would have bounced several other payments and my card would have been frozen. Not to mention several overdraft fees would have been charged to me. I put an unauthorized debit on the transaction, however my funds may not be available for two days. I ca n't buy gas or groceries for two days because of this. I was told by XXXX that my auto pay would have to be cancelled because a new amount was going to be drafted ( because the previous draft was also the wrong amount ) and then set back up after a XXXX time payment was taken out. XXXX told me several times that I would only be drafted once ... ... ..that is not the case, I was drafted {$350.00} twice in one week. Not acceptable to me ... ...

Company response to consumer: Closed with monetary relief