milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, XXXX Ditech Financial LLC Previous Account # XXXX ( XXXX/Green Tree ) Previous Account # XXXX ( Green Tree ) Current Account # XXXX ( Ditech ) This letter is in response to your letter dated XXXX XXXX, XXXX. 

We have made SIXTEEN (!! ) different calls to Ditech Customer service regarding our situation and NO ONE has yet to resolve our issue. Based on the letter we received, NO ONE seems to understand the issue. There is NO problem with the current mortgage # XXXX ; our issue is with the DISCHARGE OF ACCOUNT # XXXX. 

So here we go again!!. 

Exhibit # 1 : Our original mortgage was with XXXX Mortgage in XXXX. This mortgage was assigned to XXXX XXXX XXXX in XXXX ( account # XXXX ). In XXXX XXXX, the mortgage was assigned to Green Tree as evidenced in exhibit # 1 attached. 

Exhibit # 2 : In XXXX XXXX, we remortgaged with Green Tree. At the time of the remortgage, a discharge was completed. However, Green Tree was not discharged from the mortgage, XXXX XXXX XXXX was discharged. This is evidenced in Exhibit # 2. THIS IS THE PROBLEM. At the time of the discharge, XXXX XXXX XXXX did not hold the mortgage, Green tree did. 

Exhibit # 3 On XXXX XXXX, XXXX, we were contacted by the attorney 's office who is handling our current refinance. A copy of the email is attached. At that time, we contacted Ditech, our first phone call. We were told to provide a copy of the email ( which is exhibit # XXXX ) from the attorney. We did this on XXXX XXXX. At the same time, we were provided with a secure link in an email. We uploaded the email ( exhibit # XXXX ) and the assignment, Exhibit # XXXX. 
This attorney 's office conducted a title search and discovered the issue with the discharge being incorrect. 

Exhibit # XXXX Copy of the fax sheet sent to XXXX regarding what needed to be corrected provided on XXXX XXXX, XXXX.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified has called my office on multiple occasions from different numbers attempting to collect a debt from someone not associated with this office or myself. 

XXXX XXXX We 've asked them to stop calling but they continue and I feel as if they are violating the FDCPA. 

Can you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS IS FINAL NOTICE FROM ME! 

I want to complain about false statement of debt, reported by Enhanced Recovery Company , LLC ( ERC. ) I complained already with same issue and finally verified the debt ( reported by ERC ) that it is not mine. I received the XXXX bill from ERC on XX/XX/XXXX and I verified that the debt was not mine. The name on the bill was not my name, the address on the bill was not my address ( never lived there ) and NOTHING WAS MINE! But ERC reported the debt to my credit report for a long time and my credit has been messed up, this is absolutely not acceptable and must be corrected and compensated ASAP. I attached the bill from ERC here and other support documents for your reference. See the attached files. Again, my name is not XXXX XXXX and I never lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX and I lived in XXXX XXXX in XX/XX/XXXX which showed billing period. 

Since the debt does not belong to me, I requested to ERC to get rid of it ASAP, but I have not heard/received anything from ERC. So, this is my final notice to ERC to get rid of the false debt from all XXXX credit bureaus right now and send me the confirmation letter by mail to the address ( XXXX XXXX XXXX XXXX XXXX, WA XXXX ) in XXXX business days from now. If I do n't here anything from you, I will absolutely bring a lawsuit right away.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2016 about Credit card () with SYNCHRONY FINANCIAL (KS).
Issue: Billing disputes

Complaint: I was advised by the credit card company in XXXX, XXXX that my card had been compromised and they cancelled that card and reissued a new card. Statement for XXXX shows charges and refund amounts. There were XXXX charges no refunded for a total of XXXX that were charged on XXXX XXXX. I called the credit card company and they told me to wait a little longer. In XXXX, I send a letter to Synchrony Bank Legal Dept about the XXXX charges. I received a letter back to wait XXXX to 8 weeks again. Neither of the charges were removed. In XXXX, XXXX, I sent another letter and received the same form letter back from them.. Nothing has been done yet. Charges were to XXXX for {$410.00} and to Lowes for {$210.00}. I have been paying interest on this amount for some time as I did not want to pay for amounts I did not charge.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Name is listed twice.The right name should be XXXX XXXX XXXX not XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I 've had XXXX different fico scores for the past XXXX months from XXXX differentcompanies. 
XXXX ( via XXXX card ) = XXXX, XXXX ( via auto dealer ) = XXXX, Equifax ( via XXXX ) = XXXXI was denied credit from the XXXX due to my fico scorechecked by them. I 'm a XXXX in need of a used car and ca n't get itbecause of my fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Out of the blue, I get a call from : Pro Collect XXXX TX They were extremely rude, and insisted I owed for a XXXX XXXX electricity bill from 2013. I told them I never had that service. I asked them for details. They would only provide them by mail after I gave them my current address. They insisted I pay the debt immediately or they would report the non-payment to the credit bureaus. They sent a statement for a bill for a person who shares my name ( or used my name ), and lives or lived at a place in a part of the state I have never lived. 

I sent them a certified letter disputing the debt and asking for proof, such as an original contract, that the debt was mine. They responded only with the same billing statement from XXXX XXXX and stated the debt was mine.

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 10-04-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: I told citibank I was unemployed and having trouble paying my credit card bill. So they 've been harassing me with phone calls before XXXX asking me repeatedly why ca n't I make my payment. I tell them the same thing every time. I 'm unemployed, do n't qualify for unemployment and have no funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2015 about Debt collection (Medical) with Patient Account Services, LLC (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Called before XXXX on XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). In addition, they are calling my cell phone using an auto dialer. In total, they have made XXXX auto dial calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (I do not know) with AmeriCollect (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX AMERICOLLECT XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL 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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I noticed seven accounts which were opened which are not mine on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: In XXXX of 2017, I applied for ( thought I was applying for ) a credit card. When I filled out the necessary paperwork, I heard back from a representative from American Express right away. She ( the representative ) had informed me that I was approved for the American Express premier awards gold card. It was not adequately explained that I was getting a charge card and NOT a credit card, which is what I had applied for and asked her for. The representative did tell me at the end of our conversation that the card would need to be paid off, but I misunderstood ( again, thinking I was getting a credit card ). I assumed she was telling me it was prudent practice to pay off the card as soon as I received a statement. The cardmember agreement paperwork and the card I received in the mail made no mention of it being a charge card and not a credit card. It was n't until after I had received a few statements that I realized there was no minimum payment option. When I called American Express to inquire about this lack of option, it was only then that a representative explained to me that I actually had a charge card and not a credit card ... and explained the difference to me. I was told that the only way I could change this would be to reapply for another one of their cards. I 'd have to let them use my SSN ( again ) and run another credit check ... which slightly reduces my credit score each time. I was ignorant, but also taken advantage of. I 'm not pleased by this and after I 've made the necessary payments, I will be closing my charge card with American Express and seeking an actual credit card with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Violation of Section 392.101 of Texas Finance Code which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.303 UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( 2 ) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Consumer Loan (Installment loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Taking out the loan or lease

Complaint: I am a victim of ID Theft. Someone has used my information to open a couple fraudulent loans with USAA as well as filing fraudulent claims using my information. I disputed the debt with USAA and provided the fraud packet as well as a police report outlining fraudsters name, address history, etc. USAA never returns my call. It 's been almost a year since I 've disputed this. They tell me they are investigating and never call back. USAA also sold the debts to a collection agency while I was disputing it. They were aware I said it was fraud and they still sold it. I called them approximately two weeks ago only to be told ( several times ) they would call back in a couple days and never do. I believe they are stalling and not resolving these debts in order to resell them. It 's been well over the allowed 60 days to investigate and resolve this fraudulent debt. These debts are significant and my credit is being damaged. There are XXXX loans XXXX is over XXXX and XXXX is almost XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage , LLC refused to provide me with my Promissory Note and more importantly refused to provide me with the name of my mortgage company in spite of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax has fail to provide me with proper information on disputed accounts. also, they have allow negative information such as amount past due, difference between charge offs and balance amounts to affect my credit score. Moreover, results state that accounts have been verify by original owners but accounts have been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Medical) with Harris & Harris, Ltd. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt collection agency - Harris & Harris , Ltd of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX, telephone XXXX, sent me collection letter dated XXXX/XXXX/XX/XX/2015 demanding payment for debt that is already paid with original debtor. I sent a letter to collection agency dated XXXX/XXXX/XX/XX/2015 denying the demand was valid and stop any further collection attempt regarding the debt. The denial letter was mailed within 30 days of the demand letter. After the 30 days expired from the date of the demand letter, the collection agency sent a XXXX demand letter dated XXXX/XXXXXX/XX/2015 for the same debt. Collection agency did not acknowledge receiving my letter stating the debt was invalid and is continuing collection attempts for an invalid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Affiliated Acceptance Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I do n't want them to contact me any more as I do n't have an account, a sign contract or any kind of debt with this company. 
I told them to stop contacting me and they just keep sending me collection letters and ignoring me 100 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX XXXX on XXXX/XXXX/XXXX ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, XXXX 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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: several accts were previously mentioned : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX loans have reported to me the accounts are no longer due. I have sent this information certified mail and am lied to my face over the phone saying they never got the letter I sent XXXX times now. all bureaus refuses to remove data and insist on reselling it. motion to sue demanded under any jurisdiction or level. refusal to comply is not an option under fcra. complaint is escalated and never resolved. complaint is not frivilous, I have letters in my hand.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (IN).
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: DITECH, MORTGAGE FAILED TO PROCESS THE HARP REFINANCE LAST MONTH, BECAUSE THEY ARE NOT REPORTINH ON  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 04/20/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Using a debit or ATM card

Complaint: I discovered XXXX XXXX/XXXX/16 that a charge of {$850.00} was charged to my Debit Account. I contacted Santander immediately while the charge was still pending. They told me then that there was nothing that they could do while it was still pending however they overdraft my account. The next day I call and they said they could not return my money for 10 plus business days, even though I had notified them when the charge was still pending. I have not charged over {$250.00} to this account and the charge for {$850.00} was made in XXXX and I live in XXXX. I strongly question if they have a fraud department because this charge would have been a red flag for most.

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 10-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called Equifax multiple times about XXXX inquiries that are on my credit report that I did not make. All they do is inform me what an inquiry is. I explain to them i know what inquiries are, then they tell me they can not do anything about them. I even wrote letters to them explaining the situation. I have been trying to work with them for three months. Every time I ask for a supervisor they tell me they do not have one or they are unavailable. The inquiries are from XXXX ( XXXX 2016 ) and XXXX ( XXXX 2016 ).

Company response to consumer: Closed with explanation