milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2017 about Debt collection (Other debt) with Credit Bureau Collection Services, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a CBCS # XXXX There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continuously calling me, telling me that my full payments are due the day of the call, telling me that I need to pay them now, I have repeatedly told them that if they just send me the bill I can make payments, continue to tell me it 's due right now, I tell them that I do n't have the money today until I get my paycheck, then they continued to ask me when I get my paycheck, telling me that when I do get it I need to call in on the phone and pay because they do not send paper statements, which is false because I have a bill from them that I just got in the mail yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: was charged for lender issued insurance when a policy was already in place

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.

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 Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On reviewing my TRANSUNION credit report, I discovered that XXXX XXXX Delaware had initiated an fraudulent inquiry on XXXX/XXXX/2015 into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of XXXX XXXX Delaware unilaterally made unauthorized inquiry into my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed XXXX XXXX XXXX reporting negative credit card account item on my Transunion credit report over the past XXXX years. This was a secured credit card that was open with initial {$300.00} security deposit back in XX/XX/XXXX. Due to fraudulent transaction I did not authorize XXXX XXXX XXXX closed account XX/XX/XXXX. XXXX XXXX paid was used to pay off remaining balance. This account was paid in full prior to being supposedly charged off by XXXX XXXX XXXX. I am requesting XXXX XXXX XXXX stop reporting this negative item on credit reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Billing disputes

Complaint: On XXXX XXXX, I called my credit card company to get a payoff. I paid off the account per the amount that was told to me. On XXXX XXXX, I received a statement saying I owed money. I called, and they told me it was because I was only paying the minium amount that was due and it was because I paid it off after my due date. They would not waive the amount and keep telling me they can not do this and that I owe that money. Again, arguing, I called for a payoff on XXXX XXXX, the amount I paid is what I was told to payoff 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 09/16/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I would like to say that I have ben trying to get this fixed for years with no luck it is funny that we do n't have any one that will stand up for what is right. what I said was the truth no matter what JPMORGEN sais I did not lie it happened just like I said and it is a shame that the CFPB cant do a thing. but they do fine them millions of dalliers but the people that deserve there money back that was cheated out of it. i do n't no what they do with it it is millions they get where dos it go & & & & & & & & I was cheated out of my house I wont the money that I deserve and I will never have any thing to do with JPMORGEN CHASE and I will never say any thing good about them the way they lied about the hole thing I tried to work with them ask XXXX XXXX if she is not afraid she will tell you I cant get my house back but I would like to have the money back the truth is I could n't sleep at night if I did people the way they did

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Mortgage (Conventional home mortgage) with Fidelity National Financial, Inc (MI).
Issue: Closing on a mortgage

Complaint: Files several complaints with this company Fidelity National Title sad they dont wan na admit there own error that I had to fix out of my own pocket as of today XXXX XXXX XXXX I have not received any payment form the company for reembusrment and athey will not work with me. I will be working with you the CFPB and going through Court and Corporate to get the rest of my money. The bill will just keep getting higher becasue they will be paying my leagal fees and I will have to supena the supervisors at XXXX XXXX and other companys to fly in and testify that they all agree that Fidelitey Title dropped the ball. I already subbmitted the emails from them stateing it was there error. They are surely not makeing a good representation for themselve very p [ oor work ethic and basically stealing money and lying to the costomers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has deleted and re added an remove XXXX XXXX XXXX back on my credit report after i submitted the information for myself proven that the XXXX XXXX XXXX account has been PAID IN FULL, i sent Equifax 2 letters that states above, XXXX and XXXX has remove the above agency but Equifax removed it only to add this collection agency back on my credit report. I written Equifax about this matter and submitted the CASH CHECK and LETTER to XXXX XXXX XXXX to prove the check was cash with the information stating i wanted XXXX XXXX remove from my credit report, only for Equifax to unfair add it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have recently been informed that there is negative information reported by Experian, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX, ( who Experian reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. Experian received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. Experian did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.

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 01-10-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred from XXXX to Green Tree on XXXX XXXX, XXXX. Green Tree is now Ditech Mortgage Corporation. I have not received loan documents from Green Tree or Ditech as of today XXXX/XXXX/XXXX. I have made numerous requests for my loan documents via Green Tree and Ditech customer service email web site and by phone with their customer service representatives. As a result of those requests I received from Ditech three sets of loan documents covering a loan I had with XXXX back in XXXX, but nothing covering my loan withGreenTree/Ditech. In addition to the missing loan documents Green Tree/Ditech tacked on late fees to my loan amounting to nearly {$300.00}. I have never been late with my payments to Green Tree/Ditech. I am very frustrated with the situation. I know Green Tree/ Ditech is breaking the law by not providing me with loan documents..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with United Debt Holdings, LLC (OH).
Issue: Problem with the payoff process at the end of the loan

Complaint: This is an extremely upsetting case of possible UDAAP violations. I received a very threatening call from a XXXX XXXX - NO company name left. The message said that she was an independent courier and that she will be at my home during my work hours. She advised that if I was not available at this time which I will not be she will be forced to mark me as non-complaint/refusal and additional action may be taken towards me. Additionally she left a number for me to call the " filing party '' insinuating suit or formal filing. The number left was XXXX. This was a call to XXXX XXXX. I called the number and spoke with a XXXX XXXX who provided me the last four of the SSN. What is this was not me? The appropriate practice would be to ask the consumer to validate. I advised this person that I wanted validation of this alleged debt via mail and did not want any additional phone communication and that I did not want anyone coming to my home and if so I would contact the police he advise that he would send a police escort if necessary. This is a direct threat to my safety and my home and I am unaware of any such debt! He offered to email me the validation I again requested all communication via mail. HE REFUSED. Additionally I advise him of the unprofessional and threatening tone of the carrier he advised this was not his companies responsibility and he was not sure who the carrier was. I requested additional information as I am unsure why he would not have this information. He said it could possibly be XXXX courier. He stated this was for a debt from XXXX XXXX ' XXXX from 2013. Again I am not familiar with this debt. He informed me that I was on a " Federally recorded line '', this is an attempt to intimate me and refused to provide validation outside of email and stated someone is coming to my home again with police if necessary. I advised him I do not want any additional phone calls or home visits, he stated that then this will be handled in court. I asked him to clarify if he was threatening me with a lawsuit and he said no I am just letting you know what your options are before we sue you. I provided him my attorney name and phone number and ask him to not call me again. Subsequently he proceeded to contact my employer line and gave a false name to the reception area to be transferred to my voicemail. He stated his name was XXXX XXXX when it was actually XXXX saying that he wrote the attorney number incorrectly and wanted to " give me the opportunity '' to provide the correct attorney name " otherwise '' he wishes me the best of luck in the courts. I asked the front desk to document this false name and I also saved the message. This is a clear violation of UDAAP. This was uncomfortable and very threatening.

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 03-10-2018 about Debt collection (Auto debt) with MRS BPO, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have received multiple credit collection notices from MRS Associates, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX. I have sent a letter indicating that this debt has been dismissed on a final Chap XXXX Bankruptcy in XX/XX/2017, however, they continue to send notices. I have received numerous phone calls from this company and I have either referred them to my attorney and/or have told them to stop harassing me. I have also informed them by phone that this debt has been included in my personal/business bankruptcy. They persist and this has caused me and my family undue XXXX XXXX.I am a XXXX XXXX and have been housebound for the last three months due to a service connected injury. I am suffering from XXXX and XXXX and can't take anymore of this harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Transworld System Inc. I had my Personal financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with Transworld System Inc. This was a XXXX XXXX Account and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Transworld System Inc. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can not collect in the state unless they are register by the State of Texas and bonded.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I had opened a bank account with Bank of America onXX/XX/XXXX. At that time, I had XXXX XXXX and XXXX XXXX as well. I opened the account because I was told by a family member to do so, so that I can apply for a credit card through the bank and help build my credit. I never got around to doing so because I had four jobs around that time. I am not sure when but my card goes missing and then I went into Bank of America to report it missing and file a claim with the fraud department. In fewer words they told me that there is nothing they can do and I am responsible for the negative balance of {$13000.00}, because the two states are so close I could have transacted the transactions. I left feeling like this was all a plot against me one because Im young, and the other because I am a XXXX woman. They didnt look at the facts, sometime later I received a letter in the mail stating that I had a XXXX balance, so I thought they had credit my account {$13000.00} because they reviewed the case again and realized it was not me. In XX/XX/XXXX I applied to open a XXXX XXXX XXXX XXXX account and I was denied because the charge for the {$13000.00} was on my consumer report. I thought it had gone away. So I went to the Bank of America closest to my house in XXXX XXXX, CA and I sat with a banker and we called the fraud department and they told me that I previously stated that I knew where the charges had come from and I authorized them. I never said that, and why would I file a claim and then state that I knew where the charges came from, that makes no sense. Following that I had XXXX XXXX investigate the matter with proof that I was at work during the times of the transactions and Bank of America said that they initial findings are correct. I looked at the statements myself and there are about two days that there were transactions in CA and I was not at work. I was more than likely at school at XXXX XXXX University AZ. I have proof of me clocking in a nd out of work.

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 09-03-2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing statement

Complaint: On XXXX XXXX, 2015 I can contact Syrchrony bank regarding my care credit and they informed me that they do not have my statements done anything to tell me what I old them I have n't received payment since flat I mean that payment statements is/year and they said everything was turned over to a collection agency and see which day are not able to update my account stating that I pay them if I pay a collection agency to agency to pay Leap be able to report it to the bank they should be required to update the system and show that payment has been made without the correct information being updated accordingly this could be lead to Fraud collection agency could charge me anything they want because it is no record to that affect I think that needs to be review how to handle their investigation and make sure that they are doing what they supposed to do as a bank into the in the credit card provider.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: I have requested Experian, on numerous occasions, to update and correct my credit report. Experian has refused to further investigate my dispute after I have provided supporting documentation. Additionally, no source of verification has been provided. 

I received a reference number from XXXX XXXX # XXXX XXXX that my information has been updated with correct information. I spoke with Account Manager XXXX XXXX on XXXX XXXX 2017. He can be reached at 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 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. XXXX Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX Apartment not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing a fraudulent account where charges were made on XXXX XXXX XXXXXXXX account for months now. Finally XXXX has removed and deleted this account off my credit report. I disputed this also with XXXX numerous times and it is still appearing as an adverse account on my XXXX   credit report. I have submitted proof plus the fraud form and the disputed item but XXXX   is still currently reporting it. I am getting to the point where I have been more than enough patient with XXXX and transunion in resolving this issue as it is causing me a hardship in obtaining substantial credit with this account on my credit report. I did NOT do these charges and I am at the point of obtaining legal advise in suing XXXX and transunion for ruining my creditworthiness as they are not correcting this problem.

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