milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Back in 2015 I noticed a fraudulent account on my TransUnion Credit Report under the name Credit Recovery I contacted TransUnion, and explained I was a victim of fraud, and in fact the account with Credit Recovery was fraudulent. The Representatives at TransUnion requested that I file a police report, and submit an ID Theft Affidavit along with my Identification. I went down to my local police station and filed a police report for the fraud account with Credit Recovery. I then mailed the police report, along with my ID Theft Affidavit, and all the documents that was requested to TransUnion. Approximately two weeks later I receive a letter back from Trans Union saying they were declining to block the accounts. I contacted Trans Union immediately, and tried to get a clear understanding as to the reason they refused to remove these fraudulent accounts from my credit bureau report. No one could provide me with a clear answer. A year later and still no resolve, I just got off the phone with TransUnion who are now saying they can not find my original police report, so they may or may not be able to dispute the items again. I 've done everything that TransUnion has requested and still there is NO resolve. Please help!!!!

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 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: CCS called my phone and spoke with my brother and disclosed that it was pertaining to a debt without verifying who they were speaking with. This caused embarrassment to me through my family since they know that collections means debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Deposits and withdrawals

Complaint: Fax XXXXOffice of the Comptroller of CurrencyXXXX*NOTE : All supporting documents are available at XXXXXXXXXXXXHuntington Bank has charge me {$700.00} in fees associated with a faulty mobile deposit feature in their mobile banking app since XXXX and refuses to admit it 's their fault. 

I attempted to make mobile deposits with the Huntington Banking app via the iPhone. Apple had just released the new iOS8 and the app was n't working properly. The bank cutoff for deposits is midnight. I attempted to make the deposit repeatedly from XXXX on on XXXX and it finally accepted my deposit at XXXX on XXXX/XXXX/14. I contacted the bank 's XXXX number but they said that only my branch manager could help. I reached out to the XXXX branch manager, XXXX XXXX, on repeated occasions but never recieved a phone call in return. I spoke with XXXX and XXXX. 

I made the following calls to XXXX to resolve the issue beginning the day I received the initial fees. XXXX branch phone numbers below are XXXX & XXXX. 

XXXX/XXXX/14 XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX only replied XXXX, XXXX & XXXX. Those voicemails are available via the link. 

After XXXX XXXX XXXX XXXX phone calls to resolve the issue, I finally emailed the branch manager at XXXXXXXXXXXX. 

I emailed XXXX on XXXX to resolve the matter and was told that she would look into it. Then she was gone until XXXX. I asked her to freeze the account so that no more fees would accrue. I checked on XXXX to find out that my account was not frozen and was continuing to receive overdraft fees. To which, XXXX responded, " Huntington Bank does not have the capability of freezing accounts at this time. '' Seriously, a bank has no authority to freeze an account? 

Since she was out of the office, I had to go to corporate. After weeks of being shuffled around, I finally spoke with someone at their corporate office and after he checked into it, left me a voicemail stating, " we have had no issues with the mobile banking platform for the entire year of 2014. '' Again, really? I have screenshots that prove otherwise AND, their own updates state that the updates include " bug fixes. " Now, for some reason, Huntington bank stopped hitting my account with " Extended Overdraft Fees. '' The last fee being on XXXX/XXXX/14. How were they able to do that if the bank can not freeze fees? 

Because, it is clear they were having major issues with their mobile app conforming to Apple 's iOS 8 update, I simply want the initial " Overdraft Fees '' and " Extended Overdraft Fees '' refunded. 

( Also, if an account is negative for so long, why would you even let a charge go through if NOT to just charge another fee? Again, I had asked you to freeze the account so that no automated payments would go through. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEES {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (I do not know) with Rubin & Rothman, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Rubin & Rothman XXXX XXXX XXXX XXXX, XXXX, NY XXXX  Phone : ( XXXX ) XXXX they levy my personal account for over {$9400.00} and they did n't send me mail or call me to about the debt i have left them morethan 20 messages and they never called me back or pickup my calles to review the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Oracle Financial Group LLC. (MO).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX/XXXX/XXXX I was told by a friend who received a call that a XXXX XXXX was trying to reach me in regards to a complaint. I contacted her XX/XX/XXXX and was told there was a balance of {$890.00} with a company I got a loan from. During the call XXXX mentioned a possible settlement of XXXX and said I could do 2 payments. I told her that was too much for me. I also had a recent payment arrangement for the same loan company that resulted in a payment being taken out of my account on the wrong day which resulted me removing the payments. This was back in XX/XX/XXXX since then my hours have been cut down and I am only paid semi monthly but was looking to pay this off in XX/XX/XXXX. This was unacceptable for her and XXXX also kept threatening the loan company taking me to court. I asked of a payment arrangement {$10.00} a month for now that I could mail in which she said they can not do and refused to give me an address to send the payments to. XXXX said with the balance and court fees it would amount to about {$1300.00} or more also. She kept saying they would take me to court and garnish me.Then when I asked for the address again she transferred me to a supervisor XXXX XXXX who also did n't give the mini miranda and refused what I had to offer as a payment. He also said the arrangement was only done over the phone with debit or bank information. I was never told what the company name was either so when I asked, he gave me another name other than what I had researched which was " XXXX XXXX XXXX ''. I asked if this was also XXXX XXXX he said yes. XXXX also said the over the phone payment was because the original loan was done online which it was not. I went into the store to get the loan. I told him I never received any mail about them having the debt. He begin arguing with me resulting in saying he will let the client know that I refuse to pay and hung on me. I tried several attempts to call back and was either hung up on or they just did n't answer. I am concerned if this is a scam or not as I know companies have ways to access our debt and seek money by phone. I am also concerned because although I am willing to resolve the issue now the company is not working with me on such last minute notice and threatening to take me to court and garnish me. The original loan balance as of XX/XX/XXXX is {$200.00} with XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2015 about Student loan (Non-federal student loan) with AES/PHEAA (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 'm having problems making payments on my student loan serviced by AES ( contracted through XXXX ). I am told the ONLY way I can make payments on my loan is to give them my bank account information. I am not okay with this at all. I have other loans being serviced by other companies that have no problem taking payments over the phone with my debit card. So since AES refuses card payments, the only way I can pay my monthly is to let it go past due and have a XXXX party collection agency take the card. This would be fine if not for the past due/late fees that are absolutely ravaging my credit. Their customer service is terrible and runs me around in circles every time I contact them about this beyond the point of frustration. This set up is ultimately going to lead me to paying extra late fees every single month and more than likely defaulting on this loan for absolutely NO GOOD REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Wrote letter on XXXX to SYNDICATED OFFICE SYSTEMS that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of XXXX XXXX XXXX ( A ) ( XXXX ). This law requires all creditors and XXXX to notify me by mail before placing negative items on my credit report. Advised SYNDICATED OFFICE SYSTEMS to removed incorrect information off my credit report. More importantly, SYNDICATED OFFICE SYSTEMS are in violation of XXXX XXXX XXXX ( A ) ( XXXX ). Never received any correspondence from SYNDICATED OFFICE SYSTEMS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received XXXX notices from this company called Debt Recovery SolutionsLLC. 

I was informed through the letter that they had bought my account with a bill from XXXX with a bill of some amount of money. i didnt take action. They sent me another letter later that is shown through the attachment. They asked me for about {$340.00}. I called them and before they asked me to say my last XXXX digits of ssn, they said my last XXXX digits and asked me if it was correct. After i asked a few questions i hung up and started to have suspicion because of few reasons. 

1. I was a XXXX customer but right now when i received the letter i am a XXXX customer and i had payed off the rest of the bill. 

2. It was weird they knew my last XXXX digits of ssn even before i said it. 

3. I had businees with XXXX NOT XXXX. I didnt ever owe anything to that company. 

4. When i called them and told them that i would report them they threatened me about my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: National Credit systems sent a XXXX page excel sheet printed off from a computer screen and claimed this was enough information to report a collections account to all XXXX credit bureaus. this was after i filed a verification of debt within the thirty days given to me. i could dispute each charge placed in my name and also believe the original creditor knowingly violated a number of statutory laws. national credit systems continues to contact me even after i have written them to cease contact. they continue to attempt to harass and put a strain on me and my families well being without being held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Because I filed bankruptcy and included the derogatory items are already in with the bankruptcy they are shown twice in different areas and should be removed

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I noticed the residence address shows an old address from XXXX XXXX, FL. I called and asked about where the information came from. I was told XXXX. I XXXX the old address and saw there are new apartments where I used to live back when I was living in XXXX the first time. The second address where I lived at in XXXX is not even listed. I attempted to bring this to the attention of XXXX XXXX XXXX at XXXX XXXX via email. I am not sure if I guessed the right email address. I am not sure if whoever is " suggesting '' something or " suggesting '' I am to do something. This is one big "  technical glitch ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: More problems with my mortgage servicer - Ditech Financial. 
Last month ( XX/XX/XXXX ) I went onto Ditech 's website to pay my mortgage. The statement showed that I had a late fee ( for what? ). I spoke to them and there was no explanation re why there was a late fee. The rep I spoke to had, " no idea '' why the fee was on my account, but assured me that I did not have to pay the fee - it had been " waived '', I was told. 
I received my current statement - now they 're billing me for 2 months of mortgage payments. 
The statement also says that my account has a {$990.00} amount shown as " funds in suspense. '' Again, there is an {$82.00} fee/charge added with no explanation. There is no note, letter or anything on their websit that explains the charge. The statement notes my {$990.00} payment made in XX/XX/XXXX, but the amount is not shown as a payment received for XX/XX/XXXX. The statement says that I owe them for 2 months {$1900.00} - that includes the mortgage payment for XX/XX/XXXX and XX/XX/XXXX and also includes the {$82.00} mystery " fee '' that has again appeared on my statement. 
My bank statement, of course shows that the full mortgage payment amount was taken out of my bank account. My money is in their bank account, but not credited to my account. 
This is the third problem that i 'm having with Ditech. A consumer has NO SAY in who services their mortgage account? Most consumers largest expense, their home mortgage, is handled by just any company? Ditech should be closed - if I messed up my money like they mess up my mortgage account, i 'm sure they would be right on my back about it. 
I guess a huge fine ( again ) is n't forthcoming. Since I am compelled to accept them as my mortgage servicer, they should be held accountable and fined, over and over, if neccesary, until they get things right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Trouble during payment process

Complaint: Filed Chapter XXXX XX/XX/XXXX and reaffirmed with Litton ( Now Ocwen ). Made monthly payments from that time until XX/XX/XXXX when my attorney told me to quit paying them due to Ocwen going against the agreement of the reaffirmation. Ocwen held in Contempt of Court several times during this process. Ocwen continues to harass for funds not owed. See attached document showing the Docket Text.

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 09-06-2016 about Consumer Loan (Vehicle lease) with Bridgecrest Acceptance Corporation (MI).
Issue: Problems when you are unable to pay

Complaint: In XX/XX/XXXX I was in a position where I decided it was a good time and I was stable enough to take out a car on payments. It is my first time making payments on a car. However, I became XXXX and due to some unforeseen circumstances I moved to another state. Homeless and jobless. I found a job about a month after moving to Michigan and quickly realized it was not what the job description had stated it to be. I was getting less then 20 hours during 2 weeks. I was struggling to keep myself above the water financially. XXXX I was fired. The amount I was paying to the leasing company and car insurance did not leave me any remainder to look for a place to live and I have a baby coming shortly. It is not easy looking for a job at 6 months pregnant. However, I quickly after being fired found another job at XXXX. I am currently employed and working around 25-35 hours a week. Still the amount I take home is not enough to pay for the basic living expenses and save for a baby and a car note and full coverage insurance. I am stuck in a bind. I have called the company several times asking for a temporary suspension or if I can return the car and pay the early contract fee or lower my payments for a while or continue without full coverage insurance. On their website it is posted that in their lease program you are not required to have full coverage insurance but I am required. Also when I leased the car the agent told me I had a return any time lease with no expenses. I was also told when I called in that I had the return any time lease. When I called to turn in my car all of a sudden that changed and I no longer have that option. In my copy of my contract it tells me I can return my car any time with no penalties. However, everyone keeps telling me that I have no options, managers and regular employees. If I miss my payment over 30 days they will come and take the car or if I return the car I am still responsible for the remaining balance on the lease. I am trying to pull myself out of a rut and I am trying to do it the right way but I do not make enough money. I do not know what to do. I can not afford a lawyer to help me. I am on my own.

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 02/22/2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
SYNCB/AMEG D XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 explanation
Consumer complaint received 11-07-2017 about Debt collection (I do not know) with Midwest Recovery Systems (KS).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: on XX/XX/XXXX Midwest recovery placed a collection on my XXXX report. I disputed the item with the credit agency, the consumer financial protection bureau and the company. I asked the company to provide me a historical payment history and the original contract terms. the company refused. XXXX gave the Midwest recovery systems 30 days to respond to my request or the item would be deleted. Midwest recovery never responded to the request from XXXX  and the item was deleted from my credit profile. On XX/XX/XXXX, Midwest recovery systems illegally re-aged the collection account and reentered it again on my credit report with out notifying me of the new collection effort. Midwest recovery systems has called my job and asked for my personal information. Midwest recovery systems has also contacted my father and threatened to have me arrested if i did not pay this item. I am being harassed by this company and i would like some action to be taken.

Company response to consumer: Closed with explanation