milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2016 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: The following company : XXXX Address XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX left a voicemail on my husband 's cellular phone requesting I call them back. My husband called the number from the voicemail and asked if they were a debt collection agency, or a company trying to collect a debt. The employee stated they were a " financial services company. '' Misrepresentation by omission is still misrepresentation. When asked directly if they are a debt collection agency or company trying to collect a debt, they should respond in the affirmative. 

In addition, the original debt holder was notified in writing, return receipt requested, that my wife is represented by counsel in this matter, and to contact only the attorney of record regarding this account.

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 02-03-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Trouble during payment process

Complaint: I received an annual escrow account statement indicating of yet another shortage on my escrow account with a shortage amount of {$7200.00}. This is not the first escrow shortage on my account in the span of two years of our stay in the property prior entering the loan. The first escrow shortage was caused by an error on Ditech 's side which they admitted wherein Ditech was paying a different parcel number/property with my escrow account that resulted to having my property put on tax lien and my escrow account into a negative ( for reference I have my initial CFPB complaint from last year Case number : XXXX ). Ditech settled it by disbursing a check to pay for the delinquent property taxes and taking my property off tax lien, I thought all is good after that but I was shocked when I saw a {$7200.00} shortage on my account again this year. Now my question is what happened to my starting escrow amount/buffer ( please see attached document ) after the initial error occurred? To figure out what happened I tried requesting for an escrow analysis from XXXX since my online account only shows an escrow analysis for XXXX and XXXX but the customer service agent ( XXXX ) resisted to provide, in which I don't understand because I started my loan back in XXXX. Please help cause this is causing so much stress on our family, I tried settling this with Ditech by phone in multiple occasions but none of those interactions was helpful in fact each of the customer service agents I have talked to was just adding confusion into the mix and leading me to believe that I have entered the loan with a negative balance on my escrow but can not provide proof, if there are other documents needed please let me know.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I log into my credit reports to dispute incorrect information and site told me to call company. 
when I call in to company to correct with live agent I was transferred numerous times or told me to call another number different from the one on their web site.

go on till lose connection playing a stupid game on consumer

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We suffered a water damage loss in our home. XXXX XXXX issued a ck for $ XXXX to us and the lender Wells Fargo. We have been working on the repairs. WF has refused to issue a check to pay for the repairs. We have taken $ XXXX from our IRA to cover the expenses we have incurred. I have uploaded all supporting documents to WF to show what we have paid for. We have been promised a $ XXXX check from several of the people we have spoken with but still have not been reinbursed despite my calling in on a near daily basis.

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 10-01-2016 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Have XXXX accounts that was deleted several times and reinserted. According to the FCRA ( 611 ) if an item is deleted, consumer must be notified in writing 5 days from reinsertion. Never received anything in writing. I sent in certified letters concerning this matter, still no deletion. The creditor is XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). They are reporting on my XXXX & Experian credit report. I have proof of deletion if needed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit card () with TD BANK US HOLDING COMPANY (GA).
Issue: Closing/Cancelling account

Complaint: I obtained a store credit card through XXXX in XXXX 2015. Not knowing the company would no longer be usin TD retaIles as the finance company. On XXXX XXXX I received a letter stating I would no longer be able to use the store card. Had I known this, I would not have opened a card with an XXXX limit and only XXXX spent. I pulled my credit report and the account is reflected as closed and my credit score took a hit as a result. This is unfair and wrong. The account can not be transfered to the new finance company and I would have to re-apply causing my credit to be pulled again. I 'm beyond appalled and upset with XXXX failure to mention this. I would have never opened the account or I would have waited until the new finance company was in place. Please assist or provide advice as to what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (IL).
Issue: Taking out the loan or lease

Complaint: On XX/XX/XXXX I came to a dealer of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, I purchased a car for {$27000.00} a XXXX XXXX serial no. XXXX. After signing the installment contract at XXXX XXXX the very next day which would be XX/XX/XXXX I came into the dealer to exercise my right to rescind the contract within XXXX hours of the signing this contract after I noticed that the dealer and the co-conspirator XXXX Financial Services committed appraisal fraud. During XX/XX/XXXX I came into the dealer to speak to the finance manager and informed him that I was exercising my right to rescind the loan he informed me that I could not rescind the loan because it was funded. I then insisted that the law was clear that regardless of the funding I had XXXX hours by state law to rescind the contract they then started harassing me regarding rescinding the contract and the deal and to prove that they were wrong I went to XXXX and got an appraisal on the car that they sold me and the appraisal offer was {$14000.00}. I am victim of predatory lending, appraisal fraud and a victim of being denied my right to rescind a contract within the XXXX hours that the law provides. The refused to follow the laws that are in place to protect consumers. As a consumer I have the right to rescind the contract and also when I spoke to XXXX XXXX XXXX he informed me that that right was not available to me because the loan was funded. I then informed him that that was a violation of the law, and he ignored my request to contact management regarding the appraisal fraud and the right to rescind. I will be providing a copy of the installment contract, the retail buyers order and a copy of the XXXX Appraisal. I also contacted XXXX financial services, and the letter dated XX/XX/XXXX they basically said they took an assignment of the contract and that is completely wrong because they funded the loan and they would not provide me a copy of the appraisal or the loan value guidelines to fund this loan. What I have here is a dealer that is violating the law and victimizing consumers and its coconspirator XXXX Financial Services engaging in this type of consumer victimization. In their correspondence they provided me a summary of the XXXX Used Car Guide regarding the XXXX XXXX adjustment values, that report on the bottom it said appraised value item XXXX in other words they went to a website and printed a value sheet and attached it to the correspondence sheet.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I actually have XXXX to file : public record too. I 'll do that next. I was fraudulently reported by XXXX XXXX of XXXX in XXXX, OR for not paying one of my rent installments. I was double charged when I moved in paying {$680.00} ( included in the first installment along with a {$35.00} screening fee and {$150.00} security deposit in a check from my college XXXX account - **************** ) XXXX XXXX, 2014. Then I was charged another rent of {$680.00} 5 days later which I was told it would all work out when I moved out showing that I paid the correct installments. They are telling me now this is not accurate and insisting I have to accept the terms of a five day payment for full rent in XXXX instead of one of my top installed agreement payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: credit report shows as a debt for {$59.00} as a XXXX debt. Ive contacted XXXX and I have no debt outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with Immediate Credit Recovery (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: ICR, Immediate Credit Recovery garnished my husband 's wages for {$320.00} each pay period ( every two weeks ) without proper notification. I was not aware of any money owed until I received paperwork for the garnishment from my employer until 8 days prior to the funds being deducted from my pay. The amount being deducted has adversely affected my family and my credit, I can not meet my basic living needs and I have XXXX XXXX children at home. Both are in need of summer clothing to fit them, and we have a combined school expense of {$800.00} that was due XXXX XXXX, and we ca n't afford to pay it. I have had utilities turned off, not able to pay for groceries and media actions needed because we have an {$11000.00} deductible. <P/>We are incurring late fees on our financial obligations and never had the opportunity to dispute or set up affordable payments. <P/>I need help ASAP as ICR has failed to respond to faxes, email, and phone calls. When I call I press option 3, them get a recording and disconnected. I requested a hearing on XXXX XXXX and was told they were wating for a response as to the date of the hearing only to find out 6 weeks later ( XXXX ) that they never sent it so we wait another 30-60 days for a hearing date while they continue to take money from my husband 's pay. <P/>We do not qualify for any type of assistance because they look at gross income, they do n't take the garnishment in to consideration. This company had contradicted themselves and made it impossible for us to meet our basic needs.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (GA).
Issue: Managing the loan or lease

Complaint: Exeter Finance will not allow me to pay extra money towards my principle balance. If money is paid it only reduces the next months payment. I called to speak with a representative and was told this information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (FHA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I have requested to contact to the CEO a number of times but with no regard. Sun West Mortgage Company ( XXXXXXXXXXXX, XXXXXXXXXXXX and XXXXXXXXXXXX ) did the following. 

XXXX. Had me sign a loan application where they led me to believe there was no closing cost leaving XXXX section blank and claiming at that point it was no money to closing cost loan. 
XXXX. XXXX was done saying XXXX thing and then XXXX months later it was noted as an error. XXXX months with no follow up. We had a weekly request in on what is going on with the refinance and every week Sun West claim was all good and still in the process. 
XXXX. Requested a number of additional things from such as my bank statements when the federal loan requirements say not to ask for thisXXXX. XXXX XXXX has claimed after the fact that something was mailed to me with the closing cost back XX/XX/XXXX. This did not happen. Nobody has seen what she is claiming. I asked for my signature on it somewhere which does n't exist. Only my signature on a loan application with the XXXX area blank is what they can find. 
XXXX. CEO refusal to follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I had disputed with Transunion to remove a paid New York State tax lien from my credit report. I had cited a tort under New York General Business Law, Fair Credit Reporting Act Article 25 Section 380-j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ( 1 ). I had written to transunion a certified letter along with proof of payment and gave them 30 days to remove it from my record. 

I received no response from Trans Union via mail and had no help when calling on the phone. I was promised call backs etc with no proof being provided to me of investigation etc.

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 08-02-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Application processing delay

Complaint: I received a response from account of Amazon Chase and was told that they would recommend reactivating my credit card once it was in good standing. The account is now paid up to date and has yet to be reinstated. I received a letter from XXXX XXXX who stated that the company would be happy to reinstate my card. It has been a month and I have called XXXX XXXX several times and she is always on the phone and wo n't speak with me. I believe that I have been lied to and would like a apology and my account reinstated. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with EQUIFAX, INC. (AP).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am stationed overseas and I 'm trying to obtain my annual credit report. The site is saying I ca n't get it while stationed overseas. This is when & why I need it the most. How can one serve their country but be denied their inalienable rights? Then one company sends me a letter telling me to put PII in it in order to obtain my report. If that 's not the dumbest thing ever, I do n't know what is. Put my name, social, copy of personal documents in the mail. Really?

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my Trans Union,  XXXX, XXXX reports. I have not access my credit file since XXXX or XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 10-12-2017 about Vehicle loan or lease (Lease) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I tried to resolve the issue with XXXX XXXX but they informed that they no longer have the account. I requested for it to be removed since they no longer have the account. I was told that it was given to a lawyer so i will like it to be removed because im resolving it with the lawyer who now has the case.

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 09-06-2017 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: This happen with Navy Federal credit Union. Money was accidentally deposited from an outside third-party into my account that I still had their even though I tried to close it they told me I could n't years ago {$910.00} and it was automatically put toward a debt that I default it on because I 've been unemployed for quite some time I told their financial debt counselors the same thing I told him that I went through a divorce and that the car loan I had with them was no longer in my responsibilities through the divorce decree in the courts ex-wife is paying for it so they 've been sending letters continuously and calling me continuously to pay a debt that I ca n't so this money was deposited into the account today which is XXXX XXXX 2017 and then they automatically took it out and put it towards a debt that I owed that it 's {$910.00} which was going to go towards responsible things like rent and groceries to house me to feed me and my XXXX kids I called yesterday and asked if I could stop the deposit from happening I was told no I asked what else there was that I could do so they said to set up a transfer and to call in after XXXX XXXX today and start the transfer which all the information so already be in I called today and was told him I can of XXXX I asked why because it went into the account it did n't have a setup transfer it was automatically taken out and put towards the credit card I was in transferred over to somebody else who had an immediate attitude with me and then add a point after telling me that no I ca n't have my money back that they 've been trying to contact me and they have n't heard from me in a year and how are they supposed to assume my situation has n't changed and I said well the last time I talked to you or financial counselors they told me there was nothing they could do with me and until I got a job there was nothing that they could set up my informed those financial counselors of the divorce decree and so on and this guy said that I did n't matter and I did n't matter if they put in notes because my car bill that I had with them was being paid by my ex-wife who was legally responsible to pay it they assume that I was having money even though there was no deposits in that account at least a year if not longer this is n't the first time they taken money directly without my permission to pay a bill that they said was late they 've also stopped me from being able to withdraw funds from my account when I have an active checking account with them and I know this is the exact same thing that they were sued for and had a claim against I want my money back so I can house and feed myself and my children

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation