milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (RI).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I mortgaged ( through a HARP loan ) my property located at XXXX XXXX XXXX in XXXX, RI to Green Tree XXXX and had my taxes escrowed. Taxes on this property are $ XXXX/yr. ( $ XXXX/quarter ). An amount of {$350.00} was transferred from the previous lender into the new escrow account. Monthly escrow was set at {$180.00}. XX/XX/XXXX they paid the quarterly taxes of {$560.00}. In XXXX they paid the quarterly taxes but in the wrong amount. They paid {$580.00}. The tax collector called me and alerted me to a problem. I called the bank and I thought it was all taken care of. 
XX/XX/XXXX they paid {$560.00} which was the correct amount. But in XXXX they paid {$1100.00}. The amount they paid was a combination of my XXXX properties. Again XX/XX/XXXX they paid {$1100.00}. XX/XX/XXXX I received an Escrow Disclosure Statement telling me I am XXXX dollars behind in my taxes. I have sat on the telephone with the bank from XXXX of this year until last week when I finally gave up. They have people dunning my account and telling me to pay up or else. XXXX XXXX XXXX unnamed ) and I had a shouting match and he told me if I did not pay all of this money owed they would foreclose on my home. I did not do anything wrong. They made the mistake and they need to fix it. Every time I called them to get things straightened out they said they needed to investigate and after each investigation they always came back with the same results and that is I owe them XXXX dollars and I better pay up. I have only had this mortgage for one year and it should not be that difficult for them to figure out what they did wrong. I am at wits end and need help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am not going to ask Equifax again to leave my credit score alone. Since XXXX/XXXX/2015, they have deducted XXXX more points off of my credit. The only change to my credit was on XXXX XXXX, 2015, I paid XXXX XXXX XXXX and XXXX in full. Yes, both of those accounts has been XXXX. I do n't know why Equifax is ruining my credit, or who is telling these people to ruin my credit, someone is behind all of this and they will be going to jail when the truth comes out concerning the XXXX XXXX XXXX. I guess they are the ones behind ruining my credit in order for me not to qualify for an FHA Loan, however, I have contacted the State Attorney Generals Office, and I have left message for the XXXX Attorney General XXXX XXXX in order to resolve this problem. Equifax is delibertly ruining my credit due to the XXXX. If these people dont stop, I will find there physical location and I will go there and handle my business myself. These people has deducted XXXX points off of my credit in less than a month, for no other reason other than I filed a complaint against them for discrimination. The deducted XXXX more points off of my credit yesterday. If, someone from this Consumer Finance Office does not tell Equifax to leave my credit alone, and place my XXXX points back on my credit score, I am going to Equifax XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The billing on this account has changed various amounts of times. The rates have changed. My identity was stolen. The College has not tried to resolve the issue they are just assuming I am completely responsible for the value and it is harshly affecting my reputation and credit score. I am unable to purchase certain items or obtain decent credit due to falsifying reports given by the Company. Per the law the companies are not abiding by the FCRA and verified any of the accounts but have " updated '' them on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (DC).
Issue: Making/receiving payments, sending money

Complaint: I set up a car payment with Ally auto for XXXX XXXX, 2015. I then decided to reschedule that payment for XXXX XXXX to wait for my payday. I went back into my account and saw that I still had the option to cancel the payment, so I did. The payment said it was cancelled on my end. I then proceeded to set up a new payment to come out on my payday. On XXXX XXXX, ally auto deducted {$410.00} from my bank account, and then deducted another {$410.00} from my bank account on XXXX XXXX. I called both the bank and the auto finance company to explain the situation, that I was double charged, and set up a dispute. My dispute was denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, I sent a letter to Equifax, XXXX, and XXXX XXXX ; asking them to correct errors on my credit report. Several weeks ago, I received notice of the corrections from XXXX and XXXX XXXX. Unfortunately, I have not receive anything from Equifax, despite several attempts at follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called Transunion several times and sent letters concerning unauthorized inquires and inaccurate accounts on my credit report.

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 09/14/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was contacted by a Wells Fargo debt collector regarding status of a loan of which I did not have information on. I requested info of which the caller was unable to provide me with I received a letter on XXXX XXXX, 2016 from the Executive Office stating I would be mailed more info by XXXX XXXX, 2016. It is now XXXX XXXX and I have not received any info.

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 02/19/2016 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (VA).
Issue: Application, originator, mortgage broker

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Quickenloans/Quickenloan XXXX XXXX, XXXX on my XXXX REPORT This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Quickenloans/Quickenloan XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been under the PSLF program with Fedloan Servicing for three years now, just began the fourth. In this time-the lack of timely responses, delays and incompetence of the lender and program has grown. This has created frustration, increased payments and longer time paying this monthly debt to qualify forgiveness for me and my family! Current months paid are incurrent on one loan. It took 5 MONTHS this past annual renewal to get processed. Multiple times I was told they could n't read the documents sent in multiple ways by their own method, scan, photo, e-mail and fax! Telling me in coversation it was something on my end! Then, just before I mailed the packet of documents I was informed the IDR was approved and amount of monthly payments. How is that possible??!! Shady.Shady.Shady. I was NEVER informed by e-mail or phone of issues. When I looked in my inbox on the site, it just stated denied without reason ( s ). I would follow up after sending in multiple times asking if legable and was told I would be informed, I was n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2018 about Debt collection (Other debt) with ProCollect, Inc (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am asking for the collection account from Procollect to be removed from my credit report because the creditor XXXX XXXX sent the account for collections BEFORE the due date. I paid the account within the 90 days allotted as stated by the property manager. I have an email dated on XX/XX/XXXX from the managing office stating that I have 90 days to make the payment of XXXX. I paid the account WITHIN my allotted time hence it NEVER should have been sent for collection. I have a signed receipt of payment made on XX/XX/XXXX which falls WITHIN my ninety day window. I also have a copy of the check that was given.

The XXXX XXXX is extremely uncooperative with this process and even hung up the phone on me when I provided them with this proof. The XXXX XXXX   company was extremely rude. Both avenues have been very unprofessional. I paid the balance WITHIN the 90 day window that was given therefore the account needs to be removed from my credit report.

The account was NEVER supposed to go to collections to begin with because I paid on time.

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 12-05-2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened a checking account in XXXX XXXX with a promo that would give me {$200.00} bonus. It has been 6 months and I have not received it.

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 monetary relief
Consumer complaint received 05-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I recently refinanced and paid off our Wells Fargo mortgage loan. We paid our own insurance and taxes and no escrow was ever opened under our Wells mortgage. According to Wells ' XXXX/XXXX/15 payoff quote, the total amount due through XX/XX/XXXX was {$370000.00}. Also per the payoff quote, for each additional day, per diem interest of {$33.00} was required. Our transaction closed on XX/XX/XXXX, but on a refi there is a mandatory 3-day rescission period ( excluding Sundays ) before funding can take place. So the funding date for the loan was XXXX. XXXX XXXX added 7 days of per diem interest to the payoff, which made it good through XX/XX/XXXX ( {$33.00} x XXXX = {$230.00} + {$370000.00} = {$370000.00} ). The wire confirmation I have obtained from the title company reflects that {$370000.00} landed in Wells ' account on XX/XX/XXXX. At this point, Wells owed me 1 day of per diem overage totaling {$33.00}. 

Also on XX/XX/XXXX, Wells accepted an automated monthly P & I payment of {$1700.00}. Because my loan had already paid off, Wells now owed me a total of {$1800.00} ( {$1700.00} + {$33.00} ). 

Bizarrely, on XXXX/XXXX/15, I received a " Notice of payoff shortage '' letter from Wells telling me I owed Wells {$47.00}. Because this appeared to be in error, I called Wells, and after getting bounced around to numerous representatives I finally spoke to someone who said Wells would open a " work order '' and that they would issue me a check in the correct amount. 

Perplexingly, Wells then sent me a check dated XXXX/XXXX/15 in the amount of {$1700.00}. After more calls and getting passed around to a bunch more representatives I was connected to a Wells representative named XXXX XXXX, who promised to look into all this and get back to me. I gave her my work number and asked her to reach me there during business hours. She did not call. I called her and left a message for her to call me at work. She called me back a few days later, during business hours, but at home. I left her several more messages. She called me at work, but after business hours. I left her several more messages asking her to call me at my work number, between XXXX and XXXX CT. 

I have n't heard back from XXXX and Wells still owes me {$80.00} ( {$1800.00} - {$1700.00} ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt to Receivables Performance has been paid in full. The debt has been satisfied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MS).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On XX/XX/2018, I received a bill in the mail for the amount of {$680.00} from a MCM or XXXX XXXX XXXX. Upon further investigation after XXXX  the company, they have tried to commit fraud to many unsuspecting people. I called them and told them they had the burden of proof to show I owed the debt. I asked them where the debt originated from and they could n't provide those answers. They stated they are a attorney 's office and will go after me in court. I explained to them I would be reporting this to the Attorney General 's Office in my state and make an official police report. They transferred me several times until I spoke with an male who had an XXXX XXXX accent who identified himself as a manager. He stated the debt was done in error and they would release this from my credit report. I made a police report with the XXXX County, XXXX Sheriff 's Department and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Debt collection (Credit card) with ProCollect, Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX creditor were a scam lawsuit exists

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 02-03-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Describe what happened so we can understand the issue ... 
I have told this company on multiple occasions that they have my info mixed up with someone else 's file : 1. My name is XXXX XXXX - it 's never been anything else. Please update and remove the alias. 

2. My address has been XXXX XXXX XXXX XXXX XXXX, FL XXXX for the past 22 yrs - Remove all other addresses because I 've never lived there. 
3. It 's showing several inquiries listed -- Please remove anything for the past 3 yrs as I have not applied for anything, I 'm a XXXX. 
4. The employment information is incorrect - Remove and I do n't wish to update.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (MD).
Issue: Account opening, closing, or management

Complaint: Ally Bank unilaterally closed my checking acct on XXXX XXXX without any notice. They falsely claimed that they sent notification via mail to my home address and to my attorney. Neither of us received any such notification. They claimed that they sent an email notice. I did received a message on my email that I needed to log into my account ( XXXX ) for correspondence. When I did, there was no notice -- just a blank page. I should note that my attorney, did call and email XXXX attorneys at Ally, including a XXXX XXXX their General counsel and a XXXX XXXX. He and XXXX XXXX refused to respond. Neither could they demonstrate that they actually sent any letters. 
Ally Bank has demonstrated a persistent inability to provide basis customer service. Reps re incompetent and frequently refuse to connect this customer ( and others ) to supervisors who sometimes can resolve problems and frequently they can not. They then refuse to connect the customer to Managers. I did write a complaint to the President of the company and received a pro forma letter several weeks later which did not address the problem. In XXXX, my acct was overdraw by just {$6.00} for several days until my social security benefit was paid to my acct. I did not dispute the {$9.00} overdraft charge. Earlier, I noted to one supervisor, XXXX, that I would start to look for a new bank, but she insisted " we want to keep you as a customer, and we will do our best to improve. ". 

On XXXX XXXX, I found that the account had been closed. Only at my urging did they refund the balance to me of {$160.00} WHICH SHOWED THAT THE ACCOUNT WAS FULLY FUNDED. 

I have now found that Ally Bank, at the urging of one person, in particular, XXXX XXXX, an Executive Resolution Specialist, closed the account, When I spoke with him over the phone on or about XXXX XXXX, he was demeaning and attacking and made clear that he was retaliating for my complaints. Ally filed complaints with XXXX, XXXX, XXXX and XXXX as retaliation. I should note that I never borrowed any monies from the bank. 
I would like the CFPB to force Ally to remove the negative reports, immediately and take whatever action against Ally that it can. 
XXXX XXXX Acct Number XXXX. 
XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: When I moved since I 'm XXXX and could n't take care of myself XXXX got it to where I could move out early I lost my pay and would n't be able to pay then after I move a year later they change mind and want all this money

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 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. Someone stole my personal information and identity. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are unauthorized and fraudulent.

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 11/28/2017 about Debt collection (Credit card debt) with DISCOVER BANK (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently looked at my Discover Card account to see what the balance due was. 
I noticed that there was a monthly charge coming from XXXX XXXX for around {$11.00}. 
So I called Discover and they told me that the fee has been coming out of my Discover account since XXXX of 2017. Discover also informed me that there was a purchase made from XXXX charged to my account for around {$230.00} and that they had also charge some 'fee ' for around {$40.00}. 
I told the Discover card agent that I have n't bought anything from XXXX in years. So Discover is disputing the charges on my behalf. 
I do n't believe this was any accident. I asked some of my customers coming into the Post Office where I work and within 30 minutes two of them told me the same thing had happened to them. Except they had made an XXXX purchase, but later saw that XXXX XXXX was charging them a monthly fee that they had n't requested. 
This strikes me as a common procedure to steal money from unsuspecting people. Imagine the senior citizens that would likely never suspect that a company as large as XXXX was consistently stealing from its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Shopping for a loan or lease

Complaint: I contacted Loanme about a consolidated loan for $ XXXX {$20000.00}. They qualified me, gave me a verbal commitment, quoted fees, and sent me information by email. When they asked me for personal account information I questioned them on the information they asked for. They would only talk over the phone so I would not have a record of the conversation. I provided them information when they told me they would do the loan. After I did they asked for more personal information. When I asked for a loan commitment they did not give me one. when they offered me a few thousand dollars, I told them I get that on a credit card and not pay their kind of fees. When I told them they were violating my credit rights they quit contacting me and gave me no closure. They took a lot of personal account information for the amount they loan. banks and credit card companies do n't ask for the information they requested. I believe they violated my credit rights.

Company response to consumer: Closed with explanation