milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: ON XXXX I CALLED XXXX XXXX XXXX CARD TO ASK ABOUT MY REQUEST FOR CREDIT INCREASE. ONLY WHEN YOU REQUEST A LINE INCREASE DOES THE CARD CONTACT THE CREDIT REPORTING AGENCIES. 
I REQUESTED A LINE INCREASE IN XXXX XXXX ALSO. AT THAT TIME I UPDATED MY NEW PHONE NUMBER WITH ALL THREE BUREAU 'S. 
MY NUMBER IS UPDATED AND CORRECT. THE NUMBER ON FILE IS THE ONE XXXX XXXX HAS AS MY HOME PHONE AS WELL : XXXX. 
I ASKED THE REP ON THE PHONE IF IT WAS APPROVED AND THEY SAID THEY TRIED TO CALL ME BUT HAVE THE WRONG NUMBER PROVIDED TO THEM BY THE CREDIT BUREAUS. I TOLD THEM THAT THE CURRENT FILE I HAD IN FRONT OF ME STATES THE RIGHT NUMBER ON FILE AND I WAS LOOKING AT THE EQUIFAX DATED XXXX/XXXX/XXXX. 
THE REPS INSISTED THE NUMBER THEY GAVE THEM IS NOT THE CURRENT ONE I HAVE ; AND SAID THAT THEY WILL NEED TO VERIFIY IDENTITY. I DID VERIFY ALL INFO WITH THEM INCLUDING BANKING INFO ALSO, RECENT PAYMENTS, ALL PERSONAL INFO. YET THE REPS INSISTED THAT THAT WAS NOT ENOUGH AND THAT I WAS WRONG ; AND THAT THE NUMBER GIVEN TO THEM FROM THE BUREAUS CAN NOT BE VERIFIED AND THEY ALSO SAID THAT THEY WILL CALL ME BACK TO VERIFY. YET THEY LIED TO ME AS THEY NEVER CALLED ME AT ALL. IN FACT THE REPS BLOCKED MY CARD AND BLOCKED THE ONLINE ACCESS AS WELL. I CALLED TO REPORT WHAT THEY DID THAT DAY AND THE SUPERVISOR REFUSED TO TROUBLE-SHOOT THE ISSUE AS I ASKED. I TOLD THEM TO CALL THE BUREAUS OR TO ALLOW ME TO SEND IN MY CURRENT COPY OF EQUIFAX WHICH 'PROVES ' MY STANCE. THEY REFUSED AND BLOCKED MY CARD ANYWAY. I ASKED THEM WHY THEY WOULD BLOCK MY CARD WHEN I PROVIDED ALL INFORMATION CORRECTLY ; AND ALSO MADE THE POINT THAT THE CREDIT CHECK ONLY APPLIED TO THE REQUEST FOR INCREASE IN CREDIT ; NOT MY XXXX XXXX CARD ITSELF. YET THE REPS REFUSED TO USE THEIR INTELLIGENCE AND LIED TO ME SEVERAL TIMES SAYING THEY WOULD CALL MY NUMBER BACK TO VERIFY. THEY ALSO ASKED FOR MY SOCIAL SECURITY NUMBER MANY TIMES ; WHICH IS NOT STANDARD PROCEDURE FOR A CLIENT TO GIVE THAT TO THEM ; BUT I DID ANYWAY AS I FELT THREATENED. I WAS TREATED WITH NO RESPECT I DO EXPECT THEM TO UNBLOCK MY CARD AS MY CARD WAS NOT CONTINGENT UPON MY PHONE NUMBER ON MY CREDIT REPORT ; I ONLY HAD THIS ISSUE OCCUR DUE TO MY REQUEST FOR CREDIT INCREASE ; OTHERWISE THERE WOULD HAVE BEEN NO NOTIFICATION AT ALL ; WHICH THEY KNOW ; BUT THEY CHOSE TO BE HOSTILE, THREATENING, AND UNPROFESSIONAL AND BLOCKED MY CARD. THEY ALSO ON, XXXX STATED THEY WILL NOT SERVICE THE ACCOUNT AT ALL NOR FURTHER SPEAK TO ME, OR TRANSFER ME TO A MANAGER AS I REQUESTED. THEY THEN HUNG UP ON ME TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a complaint to Transunion to have the information removed from my credit report or have it displayed as paid closed. This information is incorrect because it says derogatory when it was discharged in bankruptcy. 
I submitted the complaint XX/XX/2018

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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I verbally requested cease of communication via phone and was told it had to be in writing. I mailed a letter to Portfolio Recovery on XXXX/XXXX/15 requesting a cease of communication and they have continued to call my cell phone. It has limited minutes and is for emergencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2017 about Vehicle loan or lease (Lease) with U.S. BANCORP (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: US Bank refuses to provide me with proof of the XXXX XXXX property taxes they are trying to assess against me. The tax office says this VIN was not included in US Bank 's fleet bill. I 've disputed the amount with USBank and have requested proof of the amount owed. They refuse to provide yet continue to send demand notices. The contract states " You agree to pay all title, registration, license, inspection, testing, and other fees taxes and charges imposed by government authorities in connnection with the Vehicle, this Lease or any amounts due or payable arising from this Lease. '' If the City says my VIN was not included in the fleet bill to USBank and USBank has n't shown me where " charges were imposed '' then the amount of {$420.00} needs to be deducted.

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 01/19/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Advertising and marketing

Complaint: I called Capital One XX/XX/2016 to opt out of receiving credit card applications in the mail. Continue to receive them. I WOULD NOT USE CAPITAL ONE IF IT WAS THE LAST CREDIT CARD ON EARTH. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Medical debt) with Pressler & Pressler, LLP (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been a patient of XXXX XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX he was the XXXX   who XXXX my daughter on XX/XX/XXXX. I began my treatment with him in XX/XX/XXXX. My treatment was paid through my health insurance and XXXX XXXX was a provider on XXXX XXXX XXXX network. At the end of my XXXX I received a bill from XXXX XXXX and it was for {$300.00}. I called XXXX XXXX up to inquire about this balance and they informed me that he was paid a reasonable and customary fees according to his provider contract. He billed XXXX XXXX  A total of more than {$14000.00}. He received everything but the {$300.00}. I was told by XXXX XXXX ; providers sign A contract agreeing to the financial terms in their network and they are Prohibited for from billing unreasonable rates. I called XXXX XXXX 's wife ( billing coordinator ) and she informed me that they were going to write this balance off and adjusted. 

I go on with my life and forget about this and come to find out Pressler and Pressler has issued a default judgment against me. I was never served with paperwork. They put this on my credit report as well and I disputed it with all three bureaus and it was deleted ; as a result of the credit bureau being unable to validate the validity of the judgment. I have tried to call to resolve this with pressler and pressler several times. I asked Pressler and Pressler to supply me with a validation of debt. Pressler and Pressler provided a statement which contained mine and another patients medical billing diagnostic codes. It was seven pages long and there was no patient identifier to link me to The balance I supposedly owe. There is nothing from XXXX XXXX  supporting this balance is actually owed. The only documentation I have is a statement from XXXX XXXX 's office with the hand written total at the bottom that does not match the dollar amount on the printed statement. I am not very familiar with the legal aspects on this. I was very scared. I am a single mother of XXXX small children ; that I support by myself and I do not have the financial resources to obtain an attorney and fight them. They went and purchased this debt without any verification from XXXX XXXX and solely on the paper statement from the providers office. This does not suffice that I owe a debt. The statement with the patient account consists of my name in addition to another individual 's name and I am unable to differentiate what belongs to me and what belongs to myself or the other individuals name printed on the paperwork. 

I wrote a statement objecting to the wage garnishment. I am scheduled to appear in XXXX county court on XX/XX/XXXX. The docket number is DC # XXXX. I 'm hoping that someone can please help me. I do not owe this debt ; Pressler and Pressler have violated the fair credit act. 
Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (MS).
Issue: Settlement process and costs

Complaint: Response from XXXX XXXX XXXX XXXX, 2015 I have not and do not abandon my property. 
I am still in dispute with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Green Tree, XXXX XXXX XXXX and all other associates, remove lien, stop harassing us, cease and desist. 
I do not agree to pay any legal fees. 
I have never paid Green Tree at any time stemming from this invalid loan and servicing that is not in good standing. Statements from Green Tree never included XXXX XXXX name. This is my home. My XXXX adopted children will not be on the street for their greedy scams. We are victims of XXXX, Robo signing, Falsehood, XXXX, force -placed insurance, and other violations. 
I have estimates up to {$48000.00} to get the roof put on right. I have a {$140000.00} estimate to have my foundation under floors fix right. Plus all other maintenance and problems. Nothing in here is grade A materials, but by or XXXX, XXXX and money, we made it a home for our children. You show paperwork, we did not sign. Harassment phone calls and drive by people harassing, sitting out by the yard, and then knocking on my door talking about they walking around the house for Green Tree. Stop harassing us, cease and desist. 

cc : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Green Tree, XXXX XXXX XXXX and all other associates ; Included : * Consumer Financial Protection Bureau case # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Dispute Letters to XXXX XXXX XXXX , XXXX. 
*Dispute Letters *Estimate *XXXX Letter *Green Tree Statements * More available Documents Upon Requests ( Including, Independent Review and Forensic Audit ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Called number for EQUIFAX provided to me today. 
Have been on hold 1 1/2 hours now. 
What I do get, as CFPB knows from it 's audit calls to the number CFPB provides the public, is marketing efforts while " on hold. '' I have gotten free annual credit report from two of the three - but EQUIFAX now says to request in writing ; I.e., introduce mail risk into the mix. 
How do I get free annual credit report from EQUIFAX? 
EQUIFAX runs one through process - entering SSN twice, etc. - then says " try again later. '' Have placed freeze with other two. 
How do I get credit freeze applied at EQUIFAX? 

Does CFPB brochure describing the credit system controlled by these three? 

If not, can CFPB direct consumers to an source for an explanations?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2015 about Debt collection (Payday loan) with Delbert Services (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Investigator XXXX XXXX and XXXX XXXX of XXXX XXXX disclosed personal information to my mother, my sister and a friend regarding my debt. They also threatened it was a crime and they would send " the authorities '' to collect the debt as well as garnish my wages. They solicited payment of {$1100.00} from my mother and automatically debited another {$1600.00} from her account ; total of {$2700.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Consumer Loan (Vehicle loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Managing the loan or lease

Complaint: Delinquency reporting error. 
I want all the Credit Bureau to update my payment paid as agreed.

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 07-03-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: While considering potential lenders, we decided to pursue a new loan with lender, Green Tree Servicing ( AKA Green Tree Originations ) who held paper on current XXXX residence. We were pre-approved for loan on XXXX home based on income, assets, and XXXX credit rating from XXXX agencies. After over 3 months of financial interrogation, and pushing back closing 4 times, we notified Green Tree that we were abandoning the loan process and paying cash because sellers would not amend agreement for a XXXX closing change. They were adamant that they could not get IRS transcripts or bank statements which we had in hand and provided. They also forced us to pay off current mortgage even though we had sufficient income to continue normal payments. As a result, our investment income was reduced. Then, they held that against us. In the final stages, they informed us that their underwriter had abandoned them and they would need to provide a fresh start for the new underwriter. At that point, we were concerned about fraudulent activity as they had all of our confidential information which they refused to return to us. We have had unauthorized credit card activity on XXXX accounts since we severed our relations. This week, Green Tree sent us notification that they are informing credit agencies that we were denied mortgage credit due to unverified income and insufficient funds to close. We had considered a law suit against Green Tree for mental anguish because they held all parties hostage due to their inept process and created potential financial loses to buyers, sellers and real estate agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed with Experian about XXXX, and the result had come back with the word : Remains. 
I then contacted XXXX XXXX on XXXX/XXXX/15, which they could n't verify any of the information on this account, then they said, they 'll contact the credit reporting company to update the information. 30 days later, nothing happen, I disputed it again with Experian, and the result is still Remains as of XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Incorrect information on my report, information belongs to someone else. 

XXXX XXXX Closed : XX/XX/XXXX {$3900.00}, XXXX XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV 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 08-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My HAMP mortgage was taken over by Ditech Financial from XXXX XXXX XXXX a few years ago. My modified loan had a pay for performance clause where I was receiving $ XXXX off of my principle balance each year for up to five years if my payments were on time. I had a total of $ XXXX taken off of my loan balance. Ditech Financial recently sent me a letter saying that after a review they determined I was ineligible for the program as of XXXX of 2012 due to late payments or a refinance which takes you out of the program. They added $ XXXX back to my balance and offered no supporting documentation stating how they arrived at this conclusion. I checked my bank statement from XXXX of 2012 and sure enough my mortgage was paid on time. I never refinanced which was the other way to be removed from the HAMP program besides late payments. I have written and called Ditech to complain about this and everything falls on deaf ears. They basically stole {$5000.00} from me and I do n't know what to do???

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a stipend check from the University XXXX XXXX via Bank of America ATM in the amount of {$2100.00} on XXXX XXXX, XXXX at around XXXX pm pacific time zone. After finishing my transaction, I was notified that the funds would not be available to me until XXXX XXXX, XXXX at XXXX am central time zone. I spoke to a bank teller and a customer service specialist on the phone and they would not release the hold on these funds. I normally receive this exact amount of money, for about 2 years straight, each month via direct electronic deposit from the University. I had to deposit a check this month because the accounting department had been delayed in issuing the electronic deposits this month and I wanted to have money in my account on the first of the month.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed this many times before went to collection agency and bureaus. They have placed a fraud alert on account. I even sent a letter for them to send me a debt validation with the original contract and signature to state it belonged to me. Unable to provide me with the original contract with my signature and the company that they are saying I owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Transaction issue

Complaint: I am re filing my complaint, previously complaint # XXXX. Bank of America {$3000.00} charge on XX/XX/2016. I feel that my bank did not investigate properly, because I did send them a letter explaining my situation, before the due date, all the facts and a copy of the email that I sent to the company on XX/XX/XXXX requesting my refund, just 3 months after the charges, which they did not respond, just like all the phone calls that they ignored, I tried to get the money back directly from the merchant, but I am unable to reach them. I have been following the process but even my bank that is supposed to protect me is giving me the run around, and taking the merchant 's side, a fraudulent company that scammed me, they sold me services and never answered the phone after I showed them my dissatisfaction. What kind of company does that? 


Bank of America sent me a letter stating that they are unable to assist with my inquiry, they are stating that they were unable to determine that billing error occurred. I want to stress that this matter is NOT a billing error I authorized the charges, but XXXX did not provide the services that I was led to believe I was purchasing. They offered me online services, advertising for my website and training, nothing was done and I can not get them on the phone for nothing. Bank of America is saying that they did not receive documentation stating that I attempted to resolve my dispute, I sent a copy of my email requesting my refund. 


They are also requesting the following : '' a valid second opinion letter, on business letterhead and signed by a second qualified merchant. The letter needed to specifically state that the service performed by the first merchant was n't completed or was done incorrectly, and detail how it was done incorrectly. It should have included the steps needed to correct the work, along with an estimate showing the cost to complete the job as per the original contract or invoice. " Bank of America is requesting an impossible task. How Am I supposed to find a company that would take this type of liability? Who would do that? I guess Bank of America is a scam just like XXXX, or otherwise they would protect my rights as a consumer, a victim of a fraudulent company that disappeared after I paid them. If XXXX were a legitimate company they would be trying to work something with me, instead of ignoring my requests. They do not have any type of customer service or support. 


Please investigate this charge and help me get my money back. Any assistance with this matter would be greatly appreciated.

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