milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Debt collection (Auto debt) with CAVALRY INVESTMENTS, LLC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: When I pulled my credit after getting denied for a loan inXX/XX/XXXX, I noticed that there was a collection on my credit that I was not aware of and have never received any information pertaining to this debt or the opportunity to dispute and or validate prior to XX/XX/XXXX. I filed a dispute with all three credit bureaus asking for validation of the debt. On XX/XX/XXXX I received a letter stating that they received a letter of dispute but that the dispute was lacking any specific information to conduct an investigation. I attempted XXXX more times through the credit bureaus and each time it come back validated but no information was giving as to how it was validated as well as what documentation was use to validate this account. On XX/XX/XXXX I sent a letter via certified mail to this company asking for specific information regarding the validity of this account and again I received another letter stating the same information that they received a letter of dispute and was lacking any specific facts when the letter listed asked for specific information. This company has had almost XXXX months to provide me some type of information to validate this debt and has not provided me with anything. Their lack of cooperation is causing a serious hardship to my financial situation and a violation of the Fair Credit Reporting Act. I have attached the letter that have been sent, the one that is addressed to XXXX was sent to the other bureaus addressed accordingly but this is to show what was sent showing that I asked for physical proof.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Medical debt) with Hospital Services, Inc. (ND).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: After receiving a letter of garnishment we asked for copies of all the judgements and original debts. We're told they did not have them and they would not be able to provide them. When asked if we could pay a monthly ammount instead, we were told yes. Filled the paper work out and never contacted again. Then told we will be garnished regardless because we didn't respond. XX/XX/XXXX.was the first letter. XX/XX/ was the second. I was told it didn't matter if me and my child ate as long as the company was paid back. Hospital services inc. Said we did not matter as people, only money sources.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I 'm listed as XXXX XXXX with a XXXX Colorado address. 
1 ) I 'm not XXXX XXXX and not only have I never had a Colorado address I 've never been in the state of Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: Ditech is the servicer on my mortgage loan. I have not had an escrow account in years. I paid my  taxes in full the end of  XXXX  for the full year of   XXXX  . Ditech sent me a statement on  XX/XX/XXXX  and attached an escrow account and billed me for it. By law they are not allowed to do this unless I am delinquent on taxes or insurance. I am not. My mortgage payment on my loan terms is {$640.00}. I have automatic withdraws on my bank account and they are taking {$970.00} a month. I called on     XXXX   XXXX   XXXX     when I realized what happened. I spoke with  XXXX  in the  Tax Dep artment. She said it would be corrected in  5-7 days. S he admitted that they made a mistake and paid  XXXX   county  my taxes for   XXXX  . I faxed them on the same day proof I paid my taxes to  XXXX . I received confirmation they received this. In   XXXX  , they charged me the correct amount of {$640.00}. On  XX/XX/XXXX  I called again and spoke with a  manager  named  XXXX . These calls are recorded by the way. She said there were waiting for a refund from  XXXX  county before the refunded my money and quit charging me for an escrow account. She mentioned it was their mistake as well. However,   XXXX   and   XXXX   they took {$970.00} again. I called back on   XXXX   and spoke with  XXXX   XXXX  in the tax department of  Ditech a nd his  manager   XXXX . They both promised it would be resolved in a few days as well. Now they are taking {$810.00} out of my account. This is the  XXXX  month that I 've had to take an hour out of my day to call and try and get them to stop taking my money. This is illegal and it 's not my fault that they made a mistake and paid my taxes. My loan terms clearly state that I do not have an escrow account. I 'm frustrated, want my money back with interest and want them to stop taking money from my bank account illegally. I can n ot imagine how many other people they have done this to. I 'm sure I 'm not the only one.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Conventional fixed mortgage) with AMERICAN INTERNET MORTGAGE (MN).
Issue: Application, originator, mortgage broker

Complaint: AimLoan.com is quoting ultra low rates that do not quote ARM or any other of the required verbaige From : AimLoan.com XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Wednesday, XXXX XXXX, 2016 XXXX XXXX Subject : AimLoan.com Rate Watch Notification This is your mortgage rate update from AimLoan.com. These interest rates are accurate as of XXXX XXXX, 2016. 
30-Year Fixed Rate 3.625 % with XXXX guaranteed points and {$0.00} lender credit 3.75 % with XXXX guaranteed points and {$0.00} lender credit 3.875 % with XXXX guaranteed points and {$660.00} lender credit 4.0 % with XXXX guaranteed points and {$2900.00} lender credit 4.125 % with XXXX guaranteed points and {$5000.00} lender credit 4.25 % with XXXX guaranteed points and {$5200.00} lender credit 20-Year Fixed Rate 3.25 % with XXXX guaranteed points and {$0.00} lender credit 3.375 % with XXXX guaranteed points and {$0.00} lender credit 3.5 % with XXXX guaranteed points and {$0.00} lender credit 3.625 % with XXXX guaranteed points and {$930.00} lender credit 3.75 % with XXXX guaranteed points and {$2500.00} lender credit 3.875 % with XXXX guaranteed points and {$4000.00} lender credit 4.0 % with XXXX guaranteed points and {$5200.00} lender credit 15-Year Fixed Rate 2.75 % with XXXX guaranteed points and {$0.00} lender credit 2.875 % with XXXX guaranteed points and {$0.00} lender credit 3.0 % with XXXX guaranteed points and {$0.00} lender credit 3.125 % with XXXX guaranteed points and {$1000.00} lender credit 3.25 % with XXXX guaranteed points and {$3300.00} lender credit 3.375 % with XXXX guaranteed points and {$4800.00} lender credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt and want it removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NY).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: My Dependant house Wife with no personal income of her own was able to open a credit card using her ( husband 's ) income and was approved with a {$12000.00} credit limit without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received XXXX calls from FNCB, telephone number XXXX. When we answer the telephone, no agent is on the line to explain the reason for the call. The calls have occurred on XXXX/XXXX/2015 at XXXX, XXXX/XXXX/2015 at XXXX, and on XXXX/XXXX/2015 at XXXX. The calls come to XXXX which is on the Federal Do Not Call list. My credit report shows a credit rating of XXXX, and we are not in arrears on any debt. At XXXX years old, I do not wish to run to the telephone to find no agent connected to explain the reason for the call.

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 card or prepaid card (Store credit card) with Alliance Data Card Services (GA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: My daughter XXXX obtained this credit card in 2016. The limit was XXXX. She only spent 80 ( approximately ). She had a medical issue and ended up in the hospital. During this time she made a total payment of XXXX.This still was not enough to bring the balance down. The total balance is currently XXXX, with the majority being late fees and finance charges. 

We called them and although they were willing to remove some of the late fees she was still responsible for paying XXXX via a payment arrangement even though we can demonstrate the she was legitimately in the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have filed multiple disputes about an aged out student loan delinquency on my report. I have never received any findings from transunion. When I log back in, i see that the date the delinquency is constantly moved back so that it never falls off. I have called and reported this and Transunion tells me that there is nothing they can do about it. No matter how many times I report it, nothing is ever done. All of the other agencies have taken care of it, but they refuse to do anything about it and are rude when approached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been a XXXX  as a XXXX XXXX XXXX. I have been a XXXX since 2001. My loans should be forgiven. Navient will not give me the information that I need to have my loan forgiven. That do not have any information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In a statement from The XXXX for XXXX XXXX, it said the balance on my account was {$530.00}. It also stated the payment due date was XXXX XXXX, XXXX. My payment in full of {$530.00} was received on XXXX XXXX, XXXX. The payment was made over XXXX weeks prior to the due date. This should have marked my account closed. 
On the back of every statement from The RoomPlace, there is a section stated " HOW TO AVOID PAYING INTEREST ''. It states : " Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment, or Budget Payment Credit Plan from the date of purchase '' However, The RoomPlace charged a {$3.00} interest charge that is on the XXXX XXXX statement. No explanation was given. In every previous month 's bill, there is an Interest Charge Calculation that shows how the APR is determined. No interest charge calculations were given on the XXXX XXXX bill. 

I opened a piece of mail today XXXX XXXX, XXXX stating I now have a balance of {$53.00}. I checked my credit report and The XXXX has now marked my account delinquent for the previous XXXX months. An error in billing by The XXXX required me to talk to three different people. No error was admitted. They called it a " floating fee '' that showed up. I explained that it was clearly charged as an interest fee after the full amount was paid. The step I am at currently is that the charges are " under dispute. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless i have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

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 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Credit Acceptance, LLC (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I am a cobuyer to an auto loan in XX/XX/XXXX and have since divorced the buyer as of XX/XX/XXXX. I submitted a dispute to American Credit Acceptance directly, via XXXX, via XXXX, and the XXXX 1 ) requesting to delete the debt from my credit reporting for unfair collection practices for a cobuyer-no collection attempts made to my phone number, email address or home address 2 )  requesting to cease further collection proceeding-daily post default interest after charge off/closed account, a reposession in XX/XX/XXXX and auction resale of the vehicle in XX/XX/XXXX ; high interest is still accruing about $ 11/day presently 3 ) requesting to delete the debt and cease future default interest due to my divorce decree specifying the buyer is solely responsible for remaining debt and payoff to American Credit Acceptance *spousal maintenance. All disputes mentioned were resolved with the reason of accurate reporting by the creditor and specifying the creditor does not accept XXXX decrees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I lived in the XXXX XXXX in XXXX, Texas from XX/XX/XXXX until XX/XX/XXXX, during which time I came into personal conflict with a member of the office staff who made lewd comments about other customers and took offense when I objected to his disparaging treatment.

After we moved out, I paid a maid service to clean the apartment from top to bottom, and we left the unit in better condition than we found it. A receipt for the cleaning was produced at that time, however they insist that it is not in our file. Amazingly, nearly six months later I received notice that we owe {$1400.00} for cleaning the apartment unit. I regard this charge to be outright fraud. My wife and I have excellent rental history and good relationships with our landlords. We left this apartment smelling of bleach and Pine-sol.

The XXXX XXXX employee I was in conflict with laughed at me when I called the office to discuss these fraudulent charges, and told me it was " tough XXXX  '' and that I'd have to pay up or I would " never be able to rent in XXXX  again. '' Thankfully, this threatening comment was not true, but their fraudulent charges remain on my credit report despite numerous disputes filed with all the reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: PNC Bank in  XXXX , PA allowed ( and will not return funds ) an online withdrawal transaction that had my name and my father 's name on it. It was a checking account. My father passed away on  XXXX   XXXX ,   XXXX  , and my sister ( whose name is NOT on the account  )  withdrew {$500.00} two times ( {$1000.00} total ) on  XXXX   XXXX ,   XXXX  . Again, this was AFTER my father passed away, and my sister 's name is NOT on the account. PNC refuses to return the money or even attempt to retrieve the monies back from her. My sister (  XXXX   XXXX   )  and I have not spoken for several years. I feel this is the bank 's responsibility to return the {$1000.00} to me as it was then  MY account, and the bank holds responsibility to protect their customers ' accounts. The Assistant Bank Manager   (   XXXX   )  is the person I have been speaking to regarding this fraudulent act. I am filing this formal complaint against the bank so they refund the {$1000.00} that they allowed to be withdrawn illegally. They have been totally unhelpful and uncooperative in this matter. They did n't even notify me until 4 days AFTER the money was withdrawn. They are fraudulent in so many ways.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
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: Please see attached document for full description of complaint. I am demanding a letter detailing the procedures used to substantiate TransUnion 's investigation into the validity of two accounts. 1. XXXX XXXX XXXX XXXX 2. XXXX. 
**********Please note I am preparing to take civil action if this is not resolved properly*******

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 06/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (AL).
Issue: Getting the loan

Complaint: Onemain has me listed as having applied for a loan with them on XXXX XXXX, 2017th and I have never applied for anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Experian keeps putting unwarranted and unauthorized Extended Fraud Alerts on my credit file because I keep challenging their reporting of inaccurate items. They are doing this to simply discourage me or make me angry. They have done this now twice within the last month after I told them to stop. They are in violation of the FCRA by not addressing my concerns on my credit file. Instead they want to put fraud alerts on my file to get out of removing items. Not once have I asked them to do this. Not once have I disputed an item rather I have asked them to provide verification based on Section 609 of the FCRA for items that I believe to be inaccurate and they refuse to do so. I am requesting that they remove the Fraud Alert and Stop putting them on my file unless I notify them by writing to do so. These guys need to be fined as they are not obeying the law.

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 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Recovery Partners, LLC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX sold a debt, the collection agency, listed as Recovery Partners LLC with mailing address in XXXX AZ, failed to verify. It stems from an incident that I was not part of. I do not know how my name and details were attached to be event, and so then to the debt. 
I live XXXX miles away, have never driven the type of vehicle involved, and have not been in that area for close to 40 years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WY).
Issue: Loan servicing, payments, escrow account

Complaint: I would urge everyone to contact the Consumer Financial Protection Bureau and file a complaint against Ditech. This company and the Federal Trade Commission were able to levy a fine on Green Tree for XXXX dollars for mortgage failure. Ditech is just a reorganization of that old company. I have already filed several complaints against them. I was up to date with my mortgage until I paid early, now I am behind and facing foreclosure. They have not applied all funds to my account, and they have not credited my account for the actual amount that I paid. 

I suspect that they have altered my billing history, but I have no way to prove this. If everyone holds this company accountable, we can get our money back and our mortgage back on track. Go to this website http : //www.consumerfinance.gov/ and file a complaint today. I am going to sue Ditech if they do n't correct their accounting errors. There are also several class actions out there, XXXX for foreclosure after paying early and XXXX for Ditech giving insurance companies kickbacks. Good luck everyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I believe this is Wellafargo this account wasCharge off. I had payed {$840.00} dollars toXXXX to fix. The negativelyWhich they did an I have proof

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation