milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage with DiTech when I refinanced XXXX XXXX, 2016. I have not received an escrow reimbursement check and have gotten a different answer every single time I have called and talked to a representative or supervisor. The first check was mailed on XXXX XXXX, 2016. I was told after 10 days if not received they would reissue. The confirmed last week that they reissued. Now they are stating they did not and will not consider it again for 30 days and if it happens again we will keep waiting over and over 30 days each time since they do not track the check.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Data central Collections turn a collection over to the credit reporting agents the original debt came from HSBC and i have never did business with that company i have never received a invoice or demand letter to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Consumer Loan (Vehicle lease) with World Omni Financial Corp. (FL).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX I leased a XXXX XXXX XXXX, through the finance department XXXX XXXX. The lease was for 39 months with an initial payment of {$3000.00} and 39 monthly payments of {$270.00}. The total amount I paid for the lease of that vehicle was {$13000.00}. 
In XXXX XXXX, XXXX, when the lease ended I gave back the car in perfect condition : interior, exterior and mechanically, according with the inspector that Toyota sent for the inspection. 
Now Toyota finance is asking me to pay additionally {$350.00}, in order to move their vehicle from the dealer to a place for an auction. I consider the requirement of that payment is abusive, for these reasons : XXXX I paid always on time. 
_ The car was in perfect condition when I gave back to Toyota. 
_ I paid all the services for that vehicle in Toyota 's service department, according with their own maintenance schedule. 
_ I paid the last month, even though I use the car only for 15 days. 
_ More important, I gave back the vehicle without using XXXX XXXX miles, that I was entitled to use ; therefore, Toyota has a big plus, because with the saving of that mileage Toyota gets, at least, {$2000.00} or {$3000.00} more when they sell the car. 
Toyota is taking advantage of a good customer, forcing me to pay {$350.00} on top of all the big amount I already paid. This company is using abusive, greedy and lack of consideration practices. 
Notice : The amount Toyota is asking me to pay was included in small letters in a XXXX pages contract that I signed, but, unfortunately I did n't read.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2016 about Debt collection (I do not know) with Northeast Collection Bureau (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Someone named XXXX XXXX calling from XXXX has called me and family members. This person is very aggressive in tone. He has left threatening messages. I have no idea why this person is calling me, and more importantly he and this company are not following the Fair Debt Collection Practices Act. The first couple of times he called he did not leave identifiable company information. He calls after hours, and he calls family members, and friends. I have tried repeatedly to contact this individual/company, and I only reach an unidentifiable voice mail box. The number they call from and leave for me to call back is XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Wells Fargo  closed my card down for some bogus reason that it was n't me that applied for the card. Though I went into the branch when I signed up and they made me go into the branch and give my ID  three times .   I have    XXXX   XXXX   cre dit from a payment to my card that wells fargo refuses to send me a check for.   I 've called  100 's of tim es to get my money back and  no one will   help. This is going on for 4 months. I am late on my bills because of it.   I have no other choice WILL have FILE A LAWSUIT AND MAKE COMPLAINT WITH THE attorney general for  wells fargo  illegially holding my funds

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reached out to Equifax about   XXXX inquires  that I did not apply for listed on my credit report. These inquires are unauthorized! I have also reached out to the companies listed on my report with no results. All are from the year of  2015 . I have no tieds to any of these inquires. I now have a  XXXX  account but never in  2015 . The only  2015  inquiry I do have is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We received a letter from  Receivables Performance Management s aying we owed {$97.00} for an outstanding bill from  XXXX   XXXX   XXXX . We called  XXXX   XXXX   XXXX   cell service  and  XXXX   XXXX   XXXX   XXXX   XXXX  and both said we do not owe anything to either division. We are concerned our credit rating will be affected for something  XXXX   XXXX   XXXX  states we do not owe.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I mailed a certified letter to each credit bureau requesting that certain inquiries be removed from my credit report. It has been 30 days and I have yet to receive a reply.

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 02/29/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Several years ago I had taken out a credit card through XXXX ( XXXX ). I fell on hard financial times and was unable to pay off the debt. I made payments of {$50.00} when I could but was still not enough and they sent it to collections. After XXXX other companies had the debt ( which I did not know about ) midland credit management picked up the debt. I 've attempted to work with them for the past month and have continuously spoke to a woman named XXXX. After realizing she was unwilling to help or answer any questions I had I requested to speak with her supervisor. A woman named XXXX ( who I believe is still XXXX/same voice ) begins telling me that they can no longer work with me because I have failed to make any attempt to solve the debt which is not true. I explained everything to her and nothing was said other than I can solve this debt today or I will be sued over this. They are rude and have tried bullying me for the last month. What do I do? 
I 've done some research on MCM and they are currently in a lawsuit for similar situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Mortgage (Other mortgage) with Ditech Financial LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: A second property that I previously owned was foreclosed on XX/XX/2011. This property had both a first and second mortgage on it with XXXX XXXX XXXX. The first was properly foreclosed on and was properly reflected on my credit bureau. The second mortgage was sold to a company that is now calling itself Ditech Financial. This loan states that the account was charged off however it is still reported with a past due status on my credit report. When I contacted the company to resolve the issue, they attempted to collect money from me ( even though the credit report clearly reflects that the loan has been charged off and written off their books ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have been trying to cancel my Experian Credit Tracker Service for a while, which I accidentally signed for after not being able to cancel in the trial period. Its been a few months and I've been on 3 different calls where I waited over 1hr and 40 min, 2hr 10min and 1hr 30min ( have screen shots ) to talk to someone. In the last call they picked up after 1:30 of waiting, went through the questions, cancelled everything, put me on hold to complete the cancellation and somehow the call was dropped. Moreover, I've sent emails and letters to no avail. Its a waste of time and unfair criminal type practice from Experian. Something needs to be done. After reviewing the consumers reports, this is a common operation from Experian that needs to be corrected. Consumers are suffering from this while this company is stealing their hard-earned 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 06-09-2016 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been contacted by new loan servicer stating I am in flood zone and that I must purchase flood insurance or they will purchase for me at high rate. When I purchased home I was told flood insurance was not required, was told flood cert was completed. Now new mortgage servicer state I have to have flood insurance. I have requested the documentation from servicer showing I am in flood zone, they do not respond to my request. 360 Mortgage is the new loan servicer.

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 09-07-2017 about Vehicle loan or lease (Lease) with Innovate Managed Holdings, LLC (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I origonally leased a XXXX XXXX from XXXX XXXX XXXX  on XX/XX/XXXX. My lease agreement states that the company is responsible for maintenance on the vehicle up until 90,000 miles are on the vehicle. My loan was transferred to XXXX XXXXXX/XX/XXXX. My contract also states that if the lease is transferred the agreement still stands regardless of the new companies policies. XXXX XXXX has failed to uphold my maintenance agreement and has not reimbursed me for two seperate maintenances preformed on the vehicle. The innvoices were submitted XX/XX/XXXX and I was told it would take 10-14 business days for the money to be reimbursed. I 've spoken with XXXX XXXX several times since XX/XX/XXXX regarding this issue and was told a supervisor will contact me within 24-48 hours. This did not happen. Secondly, upon signing the lease agreement on XX/XX/XXXX the lease states that I am to pay a total of {$15000.00} in 108 weekly payments of {$150.00}. I am and have always been on time with weekly payments yet Innovate loan is now stating I owe {$25000.00}. I have called on several occasions about this amount and have not received an updated amount, I have also submitted the Lease to them for review with no outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (FL).
Issue: Account opening, closing, or management

Complaint: SYNCB/CCARE1 ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : C/O XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/CCARE1 or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/CCARE1 or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 05/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I 've recently put a stop on a business check, and just to double check it 's in effect I called the bank to confirm and the representative told me not to worry, the check is stopped and funds will not be disbursed. XXXX days later, while checking recent transactions I saw that check amount being disbursed! I called and submitted a claim to the bank and was told I 'd hear back in a few days. A week goes by no one contacted me back, so I had to call the main hotline and spending over an hour on the line explaining my situation to numerous reps because I had been transferred so many times. Finally I was told it was an ACH wire transfer, and that the check was actually stopped. I was even more shocked and furious because I did not sign any wire transfer papers and this is 100 % fraud! I was told again to wait to hear back. Another week later, this is now 3 weeks nearly a month from the date that I called to stop the check, I still have n't heard back so I called again. After being transferred around again, I was told actually it was NOT an ACH wire transfer but that the check was cleared. My complaint is, why did n't anyone tell me that the check I put a stop to was cleared, and secondly, why is the bank telling me different answers? Is it an ACH fraud or is it a check that was cleared even though I stopped it? And if I stopped it, why was it cleared? I think it 's very neglectful of the bank and their reps are not trustworthy since they ca n't give the same answers back to their customers. I need the bank to admit they actually overlooked and cleared a check that was already stopped, and refund that amount back to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am a co-applicant on an apartment. I currently own my home. On XX/XX/XXXX, CoreLogic sent an Adverse Action Letter indicating application was denied. They indicated that there are associated arrest records with my name in Florida ( I have lived in Maryland for 30 years ). They acknowledged the spelling was different and did not match up any other factors such as full name, social security number, nor did my solid credit history, employment history and other community standings matter. On XX/XX/XXXX, via email to CoreLogic, I sent my driver 's license to confirm the spelling and entire name was different and I forwarded Florida public records from Web searches such as XXXX to show it was not me. They admitted that the names being spelled differently should have indicated a non-match and so did the apartment community - both indicated this is rare. Was told I had to dispute or I would remain in their database as a criminal ( with 9 convictions ). After visiting XXXX, I see this is happening to many citizens who are shocked that this firm keeps them in their database as criminals once they are associated through the company 's algorithms and scoring as high risk. In the U.S., you are innocent until proven guilty but not with this organization. As of today, XX/XX/XXXX, and after many calls to CoreLogic including the supervisor and his supervisor, there is not resolution. Not only does my daughter risk losing her apartment, but I may be considered a criminal in this firm 's database. I don't even have a traffic ticket anywhere.

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 02-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Once again, I 'm making another complaint against TransUnion for failure to remove inaccurate information from a credit report. Federal law requires that the credit bureaus report information on my credit file that is accurate and complete. I 've proven numerous times and have made numerous complaints against them for reporting information such as date that do n't exist, court names that are invalid, and reference numbers that do n't belong to the bankruptcy. 
You can find all this information in the documents attached. I also do n't understand how the credit bureaus can respond and say that these items are reporting accurately and meet the requirements of federal law when I 've proven, like I said, that this information is inaccurately and incompletely on there. Are you saying that a bankruptcy court name is not supposed to be listed as US Bankruptcy Court? You 're also saying that the city and state should be listed? You 're saying that " us bankruptcy court '' is the way that the court is supposed to be listed without listing the city and state?? 
I 'm appalled at the responses that I 've received not only from the credit bureaus but also from your government agency that is supposed to protect me against this abuse. It does n't matter where I pulled my credit report, this is the way that I 'm seeing these listed and the way that my creditors are seeing listed. You need to actually look at the documents that I 've attached and you will see exactly what I 'm talking about. Do n't just send this information to the credit bureaus without looking at it. I 've attached my letters, my previous complaints, and the proof directly from my credit reports that they are in violation of federal law. I require that these items are removed immediately and permanently from my credit report. I 've also made complaints with the Atty. Gen. of California, as well as the Better Business Bureau. 
I would like to see the actual, physical documentation that supports their reporting of these XXXX items. Congress states in XXXX versus Trans Union from XX/XX/1997, that the only legal form of verification is the physical documentation. In addition, there required to have this physical documentation prior to ever reporting it on my credit report. So why is it so difficult for them to send me these court documents when they supposedly already have them? Even if they do have them, they can not prove that they 're even reporting these items accurately. I have the proof and the proof is exactly what I need for these to be removed. I 've already retained an attorney, and my attorney gave me the advice to make one more complaint and send one more round the letters before I take legal action.

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