milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX XXXX and I would like to complain about Equifax and XXXX XXXX XXXX. Here is my story. I usually check my credit report like other people. As just usual, I checked my credit report in XXXX 2015 and I found that there was XXXX collection amount reported on Equifax credit report, the amount of {$68.00} reported by XXXX XXXX XXXX for XXXX XXXX expense. So I DISPUTED and talked to Equifax representative and waited for the result because it does not belong to me. However, Equifax replied me back with a bad news that the collection amount belongs to me. So, I talked to XXXX directly and I found out that I have no past due at all AND they said that they did n't even know that ( after they investigated it. ) So, I disputed again in Equifax and they replied me back with same answer that it belongs to me! So, at this time, I also talked to the XXXX XXXX XXXX directly and disputed in writing ( by certified mail ) in XXXX 2015, but never received reply back. I also requested any support or backup documents for the collection amount of {$68.00} if it really belongs to me, then I can pay ... that 's not a problem at all, but they did n't even give me any backup documents for the {$68.00}. What should I do?! The collection amount of {$68.00} still shows on Equifax credit report, which I want to remove as soon as possible. It 's a simple thing ... if it 's mine, I will pay it, just provide me the invoice/documents, HOWEVER, if it 's not mine, get rid of it ASAP! Please help me! 

For your information, I would like to provide you the collection agency 's information here. The collection agency 's name is XXXX XXXX XXXX and they reported {$68.00} for XXXX XXXX expense. Their phone number is XXXX and the address is XXXX XXXX XXXX XXXX, FL XXXX. Their account number XXXX my case XXXX is XXXX. 

Please let me know if you need more information from me. My phone number is XXXX. My email address is XXXXXXXXXXXX. I look forward hearing from you soon. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX I became ill, and by XXXX XXXX I was no longer able to make mortgage payments. Seterus became the new servicer effective XXXX XXXX. I requested a forbearance in XXXX XXXX and XXXX XXXX, I was never reviewed for the forbearance. Last week Seterus filed for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 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. The following accounts are unauthorized and fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U.S. Department of Education/XXXX, U.S. Department of Education/XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , 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 03/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have worked and am still working in the XXXX for 42 years been married for 37 years and lived in and paid for this home 28 years. One day in the local paper is a notice stating our home is foreclosing. The judicial sale is taking place this Thursday XXXX XXXX. We are losing our home even though we did all the right things paid our taxes-paid our bills. Right now we have NO outstanding debt except this loan and a student loan. Our credit is excellent. So why would we stop paying on this mortgage? For what purpose? We got an attorney XXXX XXXX and we never met with an attorney. Even in court they did n't introduce themselves. Now we are out {$7000.00}. Please even tho it 's tempting do n't go with pop ups on the computer. They are just stealing from you. There is NO ONE that will help you They will steal from you and you will still have no where to live. This loan started with XXXX XXXX XXXX went to XXXX then to many others. I do n't even know all of the lenders that have changed hands over the 28 years. We paid off credit cards to XXXX and XXXX XXXX and they will not report the XXXX balances to the credit bureaus. Why are we being hurt this way? Why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (OH).
Issue: Account opening, closing, or management

Complaint: I initially opened my bank account XX/XX/XXXXfor my VA XXXX check as the government wanted to do away with a paper check. My account did not have any service fees attached to it as long as I used no checked and never went into the bank and only used the debit card and the ATM. Wachovia bought this bank out around XX/XX/XXXX or XX/XX/XXXX and the account stayed the same. When Wells Fargo bought them out during the subprime crisis they started charging me a monthly fee for my account. I talked to numerous people and fees were waved for a time but then returned. When I called again to complain about the fees, they switched my account stating this would be a better account for me. I was given the impression that this would stop the fees. But instead they were increased from XXXX dollars a month to XXXX dollars a month. Again I called to complain about charging me fees on my account and was told I needed to have XXXX dollars in the account a month. My VA XXXX is not that much and there are no bank branches or ATMs in my state. I even pointed out that all of Wells Fargo competitors have free accounts for XXXX Vets and XXXX XXXX Military. I was told that they do n't. I submitted paperwork with my VA Rep in XXXX, Ohio to change my VA XXXX to a different Bank account on XXXX XXXX, XXXX. Unfortunately, due to how the VA operates, the XXXX direct deposit did n't go through till XXXX XXXX, XXXX ( not a typo ). Then I was able to close the account. So from XXXX to XXXX Wells Fargo bank has charged me a fee for an account I never signed up for, with a bank I never opened an account with due to the Mortgage Crisis and the fact that they bought out my bank ... on a check that the IRS ca n't even tax due to it being my Service Connected XXXX check from Veteran 's Affairs. No one from Wells Fargo wanted to help me and I feel it to be discrimination. First a XXXX from the VA with a pittance of a check for serving my country, then XXXX by a Bank who helped cause a 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 07/28/2017 about Debt collection (Medical debt) with Collection Bureau of the Hudson Valley, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was hospitalized in XX/XX/XXXX 2016 and had XXXX XXXX was an out of network provider at the in-network hospital where I was taken. This was not disclosed, and several months after I was discharged, I began to receive bills for over $ 8K for few days of consults. In XX/XX/XXXX, XXXX XXXX XXXX sent me an appeal form and actually instructed me on how to file and appeal with my insurance company. I was still injured, and required assistance, but I managed to submit an appeal to my insurance and sent a copy to the office to notify them that the appeal was filed ( I was given a form and a return envelop from XXXX XXXX XXXX ). My insurance approved the payment and sent XXXX XXXX XXXX XXXX a check in XX/XX/XXXX ( Check # XXXX ).  In XX/XX/XXXX, I began to receive notices from the Collection Bureau of the Hudson Valley Inc. stating the bill had not been paid. I confirmed that the bill was paid by insurance. The check was actually cashed by the time I received the first notice. Unfortunately, I am still being chased by XXXX XXXX XXXX. Today, I received a call while at work. She informed me that I was in collections, that my credit report was being affected and threatened legal action. When I stated that the bill had been paid, insurance had confirmed, that I would have my lawyer contact her, she stated " that wo n't be good for you ''. I again reiterated that the bill was paid, that XXXX XXXX s office was fully aware that I had appealed and should not have sent this to collections. I asked if my credit was being affected and she confirmed they have reported me and my credit is suffering. I told her I would have a lawyer follow up since there was no reason to continue to pursue a debt that had already been paid more than 3 months ago. I was again threatened and told I was making things worse for myself if I involved a lawyer. I asked if she had asked XXXX XXXX 's office if they had been paid and her response was " we do n't contact the creditor unless YOU pay use or give us proof the debt is paid. '' XXXX  XXXX XXXX, XXXX was aware I was appealing to insurance for payment yet submitted my account to collections affecting my credit ( possibly as they were receiving a check! ). They cashed the check and did not put a stop on the collection agency. The collection agency ( Collection Bureau of the Hudson Valley, Inc. ) is chasing a debt that has been paid and refuses to check with the creditor to confirm if the debt has indeed been paid. In the meantime my credit is being affected/further threatened, I am being threatened with legal action ( thanks to XXXX XXXX ), and am cautioned against having a lawyer because " that will make things worse for you ''. I must ask for assistance from the CFPB in the meantime to address the attempts for a double payday and attacks on my credit. Please hold these 2 companies accountable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: NATIONSTAR IS GUILTY OF LYING AND MISLEADING BOTH THE CONSUMER AND INVESTIGATORS ... STILL ... TO ILLEGALLY COLLECT ON A LOAN LOADED WITH FRAUD. 
****NATIONSTAR JUST ASKED FOR 5 MONTHS OF HOUSE PAYMENTS FOR 60 DAYS OF OCCUPANCY??? AND THIS IS NOT WRONGDOING??? ... COPY ATTACHED **** NATIONSTAR 'S REP, XXXX XXXX, CONFIRMED AT XXXX ON XXXX, 2016 ... THAT SHE AND EVERYONE ELSE THAT HAS RESPONDED IN 2016 ARE LYING TO THE CFPB OVER AND OVER AGAIN AND THERE IS NO BASIS OR FACT IN THEIR RESPONSES. IT IS ON THEIR RECORDED LINE ... REQUEST A COPY OF IT. 

TODAY, XXXX XXXX, 2016, WE FINALLY GOT OUR FIRST MONTHLY STATEMENT FOR 2016 ... AND IT HAS {$1300.00} IN ATTORNEY FEES ON IT AND A BALANCE DUE FOR ONE MONTH ... {$2300.00} ... YES ... THEY WANT ILLEGAL PRE-PAYMENTS TODAY ... AFTER LYING TO YOU AND UPLOADING A FRAUDULENT STATEMENT IN THEIR LAST RESPONSE OF {$940.00} XXXX, NATIONSTAR AND FREEDOM MORTGAGE ARE ALL GUILTY OF CRIMINAL RACKETEERING, LOAN FRAUD, EMBEZZLEMENT AND VIOLATING A STACK OF STATE AND FEDERAL LAWS. 

THIS HAS BEEN CONFIRMED OVER AND OVER BY THEM IN WRITING AND VERBALLY ... BUT THEY JUST WO N'T TELL YOU THE TRUTH NO MATTER WHAT. 

NATIONSTAR IS A FRAUD AND A CRIMINAL SCAM ... NOT A LEGITIMATE BUSINESS NATIONSTAR DID NOT ADDRESS ANY OF THE LOAN FRAUD ISSUES IN THE LAST COMPLAINTS. THEY HAVE NOW LIED TO THE CFPB AT LEAST 30 TIMES WHILE COMMITTING LOAN FRAUD, ESCROW FRAUD, AND ILLEGAL FORECLOSURE. 

I CAN PROVE ILLEGAL FORECLOSURE AND FRAUD USING THEIR RESPONSES. WE WERE TOLD THERE WAS NO FORECLOSURE PROCEEDING BECAUSE THEY WERE WORKING ON RESOLUTION. THEY STOPPED THE FORECLOSURE ON XXXX ... A PROCESS THEY SAID THEY NEVER STARTED. 

WE HAVE ILLEGAL PREPAYMENTS, AND ILLEGAL ISSUES THAT ARE UNADDRESSED. PLEASE HAVE THEM ADDRESS THESE ISSUES IN THE ATTACHED EXHIBITS. 

THE MOST RECENT ILLEGAL FORECLOSURE ATTEMPT WAS XXXX XXXX AND WE HAVE A COPY OF THE LETTER HERE. 

FOR THE RECORD ALSO ... I WILL ADD THAT ALL OF THE PEOPLE I HAVE MET IN THE MORTGAGE INDUSTRY HAVE PROVEN TO BE THE XXXX, XXXX, MOST DISHONEST, LOWEST FORMS OF LIFE ON THE PLANET. I FEEL SORRY FOR YOUR PARENTS ... AND ALL OF YOU ... THEY REALLY FAILED ALL OF US ... BY LEAVING US WITH ALL OF YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX XXXX this year I made a donation in the amount of {$1000.00} dollars to XXXX XXXX XXXX XXXX, TD bank mistakenly deleted my account in the amount of {$10.00}. I contacted Td Bank on XXXX at XXXX a.m. I spoke to a woman named XXXX. She advised me in 3-5 business days the remaining {$990.00} dollars would be debated and corrected. On XXXX I spoke to a man XXXX who stated the matter had been corrected and he would send me a canceled check I should receive in 3-5 business days. The check number XXXX, the number I called to speaks to all these individuals was XXXX XXXX. On XXXX XX/XX/2015 I received a letter stating the {$990.00} was debited from my account. I called XXXX XXXX and they had not received the balance of {$990.00} dollars as of XXXX XXXX. I called Td bank at the number in the letterXXXX XXXX, the letter was sent from : Td Bank XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. I spoke to a woman named XXXX at XXXX [ XXXX XXXX on XX/XX/2015.She said this would take a month to resolve. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I purchased a speaker from XXXX XXXX. I opened a XXXX XXXX credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my XXXX XXXX credit card. On XXXX/XXXX/XXXX a check was sent to XXXX XXXX XXXX and was cleared the following day, XXXX/XXXX/XXXX, for the amount of {$490.00} to pay off the credit card. Best Buy claimed that to never receive the check, so I made a conference call to the department during the week of XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. On the call a representative from XXXX and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to XXXX XXXX originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XXXX/XXXX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to XXXX to get it all sorted out again and nothing was done again. 

To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I became delinquent with my condo association dues and in order to catch up a settlement stipulation was proposed and accepted. Approximately 6 months later the attorney who I was sending payments to was fired by my home owners association. At this time the balance owed was approximately XXXX dollars. The new attorney fees brought the balance up to approximately XXXX dollars. I was approved for a short sale by the mortgage company but received an estoppel letter from the home owners assoc attorney, demanding XXXX. After the sale was stopped the attorney demanded the XXXX in full ( even though i was making payments on the settlement stipulation ) or threatened foreclosure. They did foreclose and the association bought my condo at auction for XXXX dollars. Now the mortgage company is auing the homeowners assoc and me. 
In spite of the fact that I had received a modification on my mortgage and was current I believe my homeowners assoc and thier attorneys strong armed me out of my condo. 
I am niw looking at probably having to file bankruptcy due to their actions. Any assistance you can provide will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Why do we get cards from credit companys or even applications that can very well create fraud especially for people that have moved. Why isnt our government protecting us more from this fraud and only allow people that want credit cards to apply for them and those that dont need or want one not be sent applications. I dont understand this from our government as they are supposed to be their for the people and not the people for the government. We pay as citizens government employees and this needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Medical Data Systems sent debt to 3 credit bureaus for amount {$340.00}, date of service X/X/2016. I explained I was n't seen at XXXX Medcial Center. And could they please forward me validation of signature also identification. They advised no they do n't have information.

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 12-11-2015 about Mortgage (Conventional fixed mortgage) with Real Time Resolutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was sold a predatory sub-prime loan in XX/XX/XXXX by XXXX Loans. I had a 80 % XXXX mortgage and a 20 % XXXX and I put nothing down on the home. After a year I got into trouble with the loans and I was facing foreclosure. With my parents help I was able to stave of foreclosure and I kept making payments on both loans for several more years. Finally I had to file a personal bankruptcy. Both my XXXX and XXXX loans were discharged in my Chapter XXXX bankruptcy in XX/XX/XXXX. I kept making the payments on the XXXX mortgage to XXXX XXXX XXXX and I am still current. However the second loan was sold by XXXX to XXXX Loans in XX/XX/XXXX, and shortly thereafter XXXX assigned the servicing of the loan to Real Time Resolutions. Now I have been attempting to obtain a refinance on the first loan but the lender and the title company can not clear title because the second deed of trust is still recorded in the name of XXXX, which was a subsidiary of XXXX. but is no longer in business. I engaged a lawyer to submit a Qualified Written Request to Real Time Resolutions who claims to have legal ownership of the second deed of trust. I asked RTR to provide evidence that they own the second deed of trust but they failed to provide that evidence in response to our QWR.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Mortgage debt) with ResidentCollect, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, XXXX {$3500.00} Apartment XXXX on the XXXX Collections Company : Innovative Recovery In ... ... .. 
XXXX Misleading information upon move in! I was told by the apartment agents that if I left the apartment, that my deposit of around {$2000.00} would be kept. I told them I would be moving out and not staying the next month. I was never told about an additional penalty when signing the lease on the apartment nor prior to move out. I did not over stay the month that had already been paid and the apartment complex still kept my {$2000.00} deposit. This {$3500.00} charge is ungrounded and was never stated by the agents working in the apartment complex at any point.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account is not mine was disputed back   XXXX   ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to   XXXX   and   XXXX  , please see attachment credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've been trying to get this matter straight with XXXX XXXX XXXX on a utility bill that 's not mine. I requested proof that was mine, it is just a computer printout, my signature is not the invoice and the name is not how I use it. According to the fair credit reporting act, which I 've been researching it should n't be on my credit report. I 'm just tired of this company trying to take advantage of me, and TransUnion knows the laws and allows this illegal activity to continue

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 12/30/2016 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: Made a purchase with lobel bank month after purchasing the car the transmission and starter went out contact lobel and asked for a defrred payment cause the cist of repairs was XXXX which the XXXX value of the car was XXXX was met by very rude reps made a payment on XX/XX/XXXX car was repo on XXXX called to ask how much to get car out was told had to pay the full amount after being told by diffrent reps that they would tell me the fee to get the car outbeen transfered many times put on hold and hung up on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Debt collection (Auto) with CCS Financial Services, Inc. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They 'd call me XXXX times a day anytime from XXXX to XXXX, leaving threatening voicemails and just being plain rude. I 've asked them to stop calling but they kept calling even after speaking to a supervisor.

Company response to consumer: Closed with explanation