milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage company is Ditech. We bought our house XX/XX/XXXX. I wanted to pay my own taxes and insurance, was told I could not. Escrow monthly is {$310.00}, more than enough to cover everything. When the XX/XX/XXXX taxes came due I started getting notices that it had not been paid. Called ditech, said they paid it. VERY LONG story and over 30 hours on my part and now with fall late charges and spring coming due, I finally discovered the problem was they had the wrong Parcel #. Still they would not pay it or change it. They paid on the wrong parcel number ( {$270.00} ) every six months. Guess that low amount compared to what I had in escrow didnt cause any red flags. Finally had to get a lawyer involved even after I sent tons of paper work with the parcel description etc. It was finally paid all at once in XX/XX/XXXX. 
Then they didnt pay my insurance .... another fight insued and I finally got them to pay it one day before cancellation! Then they tried to tell me that my Escrow was doubling because my taxes doubled!!! This was because they paid them both at the same time so somehow that meant in their computer that the taxes doubled. 
Mistakenly I believed all to be fixed as they assured me it had. I did petition to take over Escrow since I had already invested 60hrs of my time to make it happen ... ... Then in XX/XX/XXXX I started getting the letters again that my taxes had not been paid! Then an email that the had in the amount of {$270.00} ... unbelievably to the WRONG parcel number again! I called and Ditech says they have NO RECORD of all the changes etc. He says that the only thing in my file is a request from me to check the parcel number I thought it was wrong ... this was XX/XX/XXXX. NOTHING else in there. Im beyond words.I just get the pat answer and no one can help. the first time around I left over 10 messages for supposed supervisers. NEVER got a call back until my Lawyers letter was received. Of coarse friday no supervisor was available.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (SC).
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: Nelnet bought out the company that issues/holds student loans in the state of SC. When they bought out the company, they had an old address and phone number for me. Any auto debits that were set up with the old company did n't transfer to Nelnet. The y ended up having me as 90 days past due when I had no idea that they owned my loan now. I called to settle this once I saw it on my credit report, and they had no problem giving me a forbearance and bringing me current, but refused to remove the hits on my credit ( which was  XXXX  separate loans ) because they said they sent letters and call ed ( even  though they had the address and phone number wrong ).     I 'm a veteran and am trying to secure a VA loan for a house, and this hit to m y credit score is making it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (I do not know) with Financial Credit Network Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: It came to my attention that FINANCIAL CREDIT NETWORK # XXXX in the amount of {$120.00} on XXXX 2016 has been reported that I owed. I have disputed this alleged debt that I have no knowledge and contract with XXXX. This report has harmed me and damaged my ability to obtain credit. I was never notified by XXXX about this alleged debt reported in error and inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (FL).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: I received a prepaid debit card from Brinks that I did not ask for or order, I do received SS benefits from the passing of my father and I thought maybe social security had sent this to me. I called to activate the card and had a representative on the line that took my information and then asked me to confirm my identity by emailing them a copy of my ID and social security card. As far as I know you do n't email your social security card to anyone or any company., unless you are at the site and using if for a job or getting an actual bank account.     I am placing this complaint as they do have my ss number and my name and DOB, and my address.     So far I have had nothing taken from my account that I can tell, and I just want to make this aware as looks like another scam to steal peoples identity.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: THIS COMPLAINT WAS FORWARDED TO YOU BY THE OCC BUT CFPB DID NOT RESPOND TO ME. 
XXXX XXXX card was in dispute because they did not apply a credit for returned merchandise. They reported my card as delinquent to credit bureau. On XX/XX/XXXX and XX/XX/XXXX, they credited my account properly and recredit interest accrued. However, they lowered my credit line because of the alleged delinquency and they did not forward me a copy of my corrected credit report. I disputed the line reduction and they did not respond to me except to ask me to complete a new application. 
By my count, there are at least three federal violations of the Truth in Lending Act and the Fair Credit Reporting Act and these are continuing offenses. They should be 1 ) fined for non-compliance 2 ) ordered to repair my credit report and 3 ) restore my 30 year old credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: I have been charged {$240.00} in overdraft fees over the last XXXX days alone. Many of these coming in the same day. Yesterday I was charged another fee, even though a deposit had been made in the account. I am now being charged overdraft fees for being over drafted. This is ridiculous and I can not afford to pay {$240.00} in over draft fees. My balance is currently XXXX with {$240.00} of that related to overdraft fees. I can not believe that this is legal or allowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Billing disputes

Complaint: It first started off when my XXXX was compromised and had to set-up a new password with XXXX-step authentication. However, during the time my XXXX was compromised there were multiple changed to my accounts and learned my lesson for not having most of my passwords the same. I was able to take care most of the issues, but the biggest one was from PayPal Credit/Bill Me Later. Someone purchased something on my PayPal credit card for {$1900.00} to a company called XXXX in XXXX of 2015. Following suit I disputed the transaction, but it was soon to be denied. I then tried again, but once again was closed. I contacted them why, but they kept on telling me that I did not win the case. At this point I really just need a refund as my credit card does n't even have a regular balance for {$2000.00}. I was told there is nothing I can do except contact the merchant for a refund on this issue. I went ahead and explained this issue to the company, XXXX, and they denied me also because their product they sell is non-refundable. I kept going back and forth with XXXX through email because their phone is just automated and PayPal through phone. Nothing has gotten through to them and this has dragged out to XXXX months now. I never felt this vulnerable before and terrible customer service from managers on both sides saying things like " Here is the short version, you purchased an online product knowing that it was unrefundable. Please know that no refund will be given and no further communications with us regarding this is needed as the answer will be the same. '' I was hurt to hear this and reading it seemed very hostile and saying that I authorized this purchased when I did not. Please help me if possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am sending in a second request to Experian for my free credit report - I completed the annual credit report form I down loaded off the annual credit reports site as I do every year and mailed in and ever year Experian comes back saying they can not fine me and like now there letter says I did not provide the required information yet I have my information from the other XXXX. It seems that every year they do this to me and I send back a letter with a copy of the completed from and threaten to notice the FTC and you about this - all of a sudden they find me and provide XXXX copy - so my question is why do you allow them to get away with this - I just want my report I do not want my score etc - but every Experian does this

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2016 about Debt collection (Medical) with We Collect Inc (OR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Atlas Financial Services is reporting a collection through XXXX Credit Bureau. This company has unlawfully gained access to my private health information as they sent me a detailed list of services from my medical provider. This is in violation of HIPPA privacy laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have paid the company to remove credit freeze and sent a copy of my social security card, drivers license, and utility bill to permanently remove a credit freeze and they put it back on without my consent. Transunion constantly sends you to XXXX and it is a vicious cycle of sensitive information being given out to those that have the opportunity to commit data breaches and other identity crimes.

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 10/19/2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX i fell and XXXX and I 've been out pf work. They keep calling me even when i explained my situation that i have n't worked because of my injury. They are also harassing my references i gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Payday loan () with CNG FINANCIAL CORPORATION (TX).
Issue: Can't contact lender

Complaint: I received an email Check n Go denying a loan application I did not apply for and showing an address I have not lived at in almost 4 years. It contains financial information that has nothing to do with me, i.e. I have not filed bankruptcy and many more things.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Renew Financial, LLC (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XXXX XXXX, XXXX I was contacted by a person saying she was informing me of legal action being taken against me. She informed me I had to call XXXX immediately as they would only try to call me twice before taking me to court. 
I called and was directed to Renew Financial. I asked if this was a collection agency as they gave the impression they were a law office. The woman who answered would n't address that and passed me onto another person who immediately asked why I had n't paid my debt and told me I am being taken to court and sued. I was told I should be receiving my summons for court if I had n't already. I informed them I had no knowledge of this debt or any suite and had received no legal documents. I was told they had sent me information on this. 
I informed them that I have not received anything and I have no money as I am in XXXX, they told me they knew my finances and that I could pay. I told them I live on {$700.00} a month and once again that this was not my debt as I have never had a land line phone in my name and only ever had a cell phone. I was told I would be responsible for all court costs from being sued and that the judge would never believe this was n't my debt as it was tied to my social security number. 
I was badgered until handed over my debit card information to stop them from suing me. 
Later I looked into it, and even though this is a fraudulent charge, I saw that they can not threaten to sue me for a time-barred debt. Whoever was paying XXXX stopped 8.5 years ago in XXXX XXXX and I read the statute of limitations is 6 years in TN. 
I did call back and inform a different person again that this was not my debt and that I could n't pay anyways. This person told me that was fine to send in proof of a police report. 
I am mainly angry and upset over the badgering and threats of a lawsuit even when I told them this was n't my debt and especially since their whole tactic is based on the lie that they are taking you to court, that you will be responsible for all court costs and especially that a judge would never believe me, even though this is a time-barred debt. I feel they must be threating others with lawsuits as well as I could hear others saying similar things in the background.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have a Citi Premier credit card that I have had opened for several years now. When my annual fee came due approximately 4 1/2 months ago, I called in to cancel the card. To entice me to keep the card open, I was offered a promotion wherein I would receive a statement credit of {$95.00} for spending {$1000.00} on the card in each of the next 3 months. In addition, I would receive XXXX bonus ThankYou Points for spending {$1000.00} on the card in each of the next 3 months for a total of XXXX bonus ThankYou Points at the end of the third month. I completed all requirements under the offer and was provided the {$95.00} statement credit as agreed to, but only received XXXX bonus ThankYou Points despite meeting all the required criteria. 

I reached out to Citi on two occasions to get this resolved and was told that the {$95.00} statement credit and XXXX bonus points was what my account was enrolled in. While that was on option, that was not the option I selected on my phone call with Citi when the offer was made. I explicitly had the Citi representative read back to me the terms before agreeing to the offer, which he did, and which clearly stated that I was to receive XXXX bonus points for every month I spent {$1000.00} on the card for a total of XXXX bonus points.

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 06-03-2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hi I am writing you this letter in regards to a collection account that appears on my credit report. The account that I am having concerns about is the American Credit Acceptance Account well first the account is reporting incorrect information as far as the balance on the account which is reporting that the balance is In the amount of {$13000.00} as of XX/XX/XXXX now the original amount of the debt was in the amount of {$6300.00} now with all of that being said back in back in XX/XX/XXXX of XX/XX/XXXX this particular item was disputed on all three of my credit report and was removed onXX/XX/XXXX. Just recently was checking the information on my credit report and I am noticing that the account with American Credit Acceptance was put back on my credit report and with an higher amount than the original amount without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I sent letter requesting for verification and not received a answer. It been more than several months.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In late XXXX I lost a job. As a consequence I had problems paying bills. 

One of the bills was XXXX XXXX. The account was turned over to XXXX XXXX XXXX in XXXX, NY. 

Subsequently I contacted them to see if there was a way to settle the account. 

They told me it had been given to a law office and gave me the number. 

I called a number of times ( 3-4 ) and left voice mail but never got a call back. 

I 've called XXXX and never been able to reach anyone to talk to about the account.

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 03/31/2017 about Credit reporting () with State Collection Service, Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this account with the credit bureaus on several occasions as well as disputed with State Collection Service. This company continues to report this unverifiable, inaccurate account on my reports. I requested debt validation in XX/XX/2016, to no avail. This company did not send me any documents I requested that substantiated a summary of all account activities, including all payments made, copies of charge slips, invoices or any other documents proving my indebtedness, nor did they send me copies of all documents sent to me regarding this account, copies of any papers that show I agreed to pay what they say I owe them, as well as prove the statute of limitations has not expired on this account. See attached documentation. The documents sent to me from this company DO NOT VALIDATE THIS DEBT AS BELONGING TO ME. Since this third party collection company is unable to validate the debt, this item must be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Checking account) with DISCOVER BANK (DE).
Issue: Deposits and withdrawals

Complaint: I opened a savings account with XXXX. I scheduled a transfer of {$200.00} from my discover cash back checking account on XXXX XXXX they said it would be in the savings account on the XXXX it is now the XXXX I checked my savings account the {$200.00} is not there I checked my XXXX account and {$200.00} posted and it said " reverse ach withdraw '' I called XXXX and they said my account was suspended from doing transfer why? I have NEVER done a transfer from this account ever. I have been on hold for 20 mins now and no one can seem to figure it out they just keep saying I 'm reviewing the account let me place you on another hold. I rarely ever call customer service for any company because I like to do things myself I 'm an advocate at a bank the last thing I want to do is be that angry customer but no one can help. I need answers!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Application, originator, mortgage broker

Complaint: Bank of America has been reporting late payments on my credit report and the account was sold to XXXX XXXX XX/XX/XXXX it 's been over seven years and also reporting late payments in XX/XX/XXXX and XX/XX/XXXX when I did n't have any accounts with Bank of America. Please, please help me with this

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: All unauthorized, requested removal.
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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