milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Transaction issue

Complaint: In XX/XX/XXXX I had a credit report run for a personal loan. A USAA account showed up on my credit report with a transaction amount of {$76.00} that was placed on this credit card account on XX/XX/XXXX. The account was subsequently noted as late and sent to collections. USAA has since closed the account. I had no knowledge of this account and/or the charge made in XX/XX/XXXX. The charge was also made in XXXX. I have been living in XXXX since XX/XX/XXXX. 

I contacted USAA and was informed that the account was opened in XXXX but no charges were ever posted to the account until XXXX. USAA was sending all information on this account to an address in XXXX so I had no knowledge of what was happening until a year later. 

I have contacted USAA at least 3 times and have been provided with varied information about how to handle the case. I wrote a letter to them and did receive 2 letters dated XX/XX/XXXX that the disputed charge may be unauthorized or fraudulent. One of letters stated, " we ' re transferring the matter to our Fraud department for continued investigation. '' I have not had any response in writing from them since. 

I called in XX/XX/XXXX and was told by a woman named " XXXX '' that nobody had investigated my account. She proceeded to inform me that I needed to file a police report in order for USAA to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX .    XXXX , TX  XXXX  Ditech Mortgage Account #  XXXX  Dispute I am having problems of mismanagement, fraud, and harassment from Ditech Financial LLC in regard to Mortgage Account #  XXXX .   We used to have our mortgage wit h Ditech Financial,  and in  XXXX   XXXX , we refinanced our mortgage from Ditech to another lender ( initially  XXXX   XXXX   XXXX , which then transferred it to  XXXX   XXXX   ).  At the time, we were provided a payoff, which was fully paid, and the refinancing was completed.   Soon after that, in  XXXX   XXXX , Ditech contacted us saying they had done an error in their calculation of the payoff. They had applied {$1800.00} as part of a Federal program to my account in error and they needed me to pay this amount back. I agreed to pay this and close the account.   Howeve r, Ditech de cided to keep my mortgage ( with a principal balance that sometimes states {$0.00}, and others {$1400.00}  ),  as well as the related escrow account, open so now it seems I have  XXXX  mortgages on my house. Also, Ditech started to pay through the escrow for Hazard insurance on my house,  and county tax es, which were at the same time being paid by my current mortgage company,  XXXX   XXXX .   And now Ditech wants me to pay them more than {$10000.00} to cover the payments that they made in error. So, they started with a small error of {$1800.00}, and continued to do more errors to more than {$10000.00}. They are demanding I pay these amounts, harassing me on the phone to pay them, lowering my  credit score a nd making it more difficult for me to get a car loan.   I made several payments to cover the initial {$1800.00} I agreed to pay, b ut Ditech, for some reason, keeps my payments in suspense and doesnt apply them to my account.    I am attaching several statements from Ditech, and from my current mortgage company,  XXXX , providing more information.     I have communicated on the phone several times with Ditech customer service. I was given different and contradictory information on many occasions. I was also told that they will investigate my account and solve the problem, but never got back to me.   The latest example of this irresponsible behavior was my phone conversation in  XXXX  with the Ditech supervisor  XXXX   XXXX   ( Extension  #  XXXX   ).  He noticed the irregularities in the Ditech handling of my account, and he promised he will investigate this and call me back. We even scheduled a time when he was going to call me and clarify things but he never called again.   I dont know what to do about this. I am pleading for your agency to help me with this case of I believe is mismanagement, fraud and harassment.    XXXX ,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMCOL SYSTEMS

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (UT).
Issue: Managing the loan or lease

Complaint: I spoke with a representative on XXXX XXXX, 2016 with Wells Fargo Dealer Services. I was advised of an incorrect fax number to fax over documentation in reference to my Social Security update request. I received a new number from Social Security from the Social Security Administration due to Identity theft/fraud. I later called Wells Fargo and spoke with a representative and I advised I faxed the documents over to the fax number XXXX attention XXXX. The representative I spoke to stated that this was incorrect and I should sent it to XXXX XXXX Department at fax number XXXX. I advised the second rep that I paid {$23.00}. I advised since it was not my fault if there would be any compensation and I was told there was nothing they could do and that I would have to re-fax the documents to them.

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
Consumer complaint received 08/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt owed here is to be payed by XXXX XXXX as I signed up with their cell service that comes with XXXX paying off the customers last bill. I have taken the necessary steps with XXXX XXXX as they should have payed you by now.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Credit card) with Neiman, Stone & McCormick , P.C. (IA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This debt is well over 12 years old. I have not been able to make any form of acceptable payment arrangement. for the past 10 years. That which was offered was never acceptable or taken seriously. 
The lawsuit presented, was given now avenue to dispute. I was not able to secure legal representation to help in disputing the charges. When the garnishment order was given, no court date was provided, for to stand and give defense of statute of limitations had expired. then I was given notice of wage garnishment, which has caused great financial harm. I stand at the point of having my utilities shut off, because of the inability to pay them, because the money was taken else where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Settlement process and costs

Complaint: Loan # XXXX with XXXX .this was a second mortgage for XXXX.it was paid in full on XX/XX/XXXX.that was acknowledged by ocean on XX/XX/XXXX via email. A satisfaction ( reconveyance, release/discharge ) was filed ) letter was generated by XXXX dated XX/XX/XXXX sent to me by USPS instrument # XXXX onXX/XX/XXXX I called XXXX and spoke with XXXX agent # XXXX inquiring about the satisfaction letter that was sent to the court that I had not received and Georgia status states that it must be mailed within sixty days of full payment or I had the right to demand payment of {$500.00} which I did and was told it was mailed on time and they had no controll over the mail. I again stated that I had not received it, and it was important enough to send registered if it was a eviction letter it would have been registered. I was then transferred to XXXX agent # XXXX.I went over the entire conversion with him and demanded {$500.00} for the delay was told to contact the research dept via fax. On the same XX/XX/XXXX I received a copy of the satisfaction letter via email. They are required to send it within sixty days, they are 7months late I still have n't received a hard copy. I want my {$500.00}.

Company response to consumer: Closed
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with Receivables Performance Management, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a copy of my credit report on  XXXX / XXXX / 2017  and noticed that Receivables Performance has listed an alleged debt on my report for {$460.00}. I immediately contacted this company by certified mail #  XXXX   XXXX   XXXX   XXXX   XXXX . Receivables performance was in receipt of this letter on  XXXX / XXXX / 2017  that informed them that I am disputing this debt as this account is NOT mine and I have never done business with the original lender or this third party agency. I requested full validation/verification on this account and per the FDCPA, gave them 30 days from the receipt of the letter to complete this request. Per my rights, failure to verify the accuracy of this alleged debt is grounds for removal. As on  XXXX / XXXX / 2017 , Receivables  Performance  has ignored my request and failed to provide the information I have requested. This account is not mine, and I have NEVER done business or signed a contract/agreement with the original lender or the third party that is inaccurately reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: First, my loan was consolidated and Navient remained my lender. I paid my bill, but Navient did not make it clear they had changed the mailing address. It took them at least a month, if not more, to locate where my payment was sent. 
While waiting for this to be reaplved, I was being called multiple times daily for not making my payments despite the fact Navient said they would stop calling. I was charged late fees while Navient " searched '' for my payment. 
Then, when a payment was " late '' because they could not find it, I was continually pushed to go into forebearance. Once, I requested on a XXXX that I make my payment that XXXX which was my payday. The operator continually suggested I go into forebearance instead of saying ok or offering another alternative or even suggesting it would be in my best interest to pay that day.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (I do not know) with Weinberg Mediation Group LLC (AZ).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On several occasions a person that works for Weinberg Mediation named XXXX XXXX has called my phone and leaves messages regarding helping with litigation for my son. The latest phone call today this person stated in a voice mail, my son 's name, last XXXX of social, complete birthdate and my home address which is not my son 's address. Stating that they were now going to serve the pending litigation to this address. 
I would like these calls to stop and they be held liable for repeating secure private information to me. I have the voice mail saved and will forward upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I never consented to be a co signer, account does not belong to me, I am a victim of fraud.

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 01/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Billing statement

Complaint: I have multiple promo rate balances, at different rates and expiring at different times. The last XXXX statements, beginning with my XXXX statement, Bank of America stopped reporting the balance owed under each promo rate plan. I called customer service after the XXXX statement and was told it was probably just a glitch, as they had just switched over their system. Today, I chatted them online, and they told me their new policy is that they " no longer include the balances for the promotional offers on our statements. '' I informed them I believed that was illegal, and I would contact CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (AZ).
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: An account that was not established by me was erroneously reported to the 3 major credit institutions. This complaint is regarding XXXX. I disputed the account with them, during which I provided a brief statement that the account was unknown to me. They closed the dispute simply stating that my credit report had been updated with that short comment when the appropriate response was to follow up on the incorrect entry and have it removed. Called and after spending 30 minutes on the phone I was able to verify that no action was actually taken to investigate/remove the incorrect account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: After filling for bankruptcy ( chapter XXXX ) and making payments to a trustee for a couple years, Bank of America sent us a bill for our mortgage for {$23000.00}. Contacted them about a loan modification. Months ( more than a year ) of delays, excuses and tons of paperwork, they still foreclosed on the house. In XX/XX/2016, we moved out and they sold the house for less than the past due. It has been 7 months and they are still sending us letters stating out application for modification is being reviewed.

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 09-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was sold XXXX to Caliber Home Loans after my bankruptcy. At that point I attempted to obtain a mortgage modification and this has been a year long process that has gotten me nowhere but further behind in my payments. No matter what documents I submit they ask for more. When they give me a list of needed documents, I submit them only to find out they need more. After my bankruptcy I began making my mortgage payments to keep the delinquency from growing and for XXXX months they accepted these payments and then all of a sudden they said they could not accept the payments anymore. Understandably the fines and fees continue to grow. On XXXX XXXX, 2015 I was told by their agent that if I came up with $ {$17000.00} and was willing to pay {$960.00} per month extra for XXXX year, we could settle the whole thing. I had to the end of the month to come up with the money. I called on XXXX XXXX, 2015 and all of the sudden the deal changed. They said they needed more money up front and could only finance the deficit for eight months. It seems as though they really do n't want to help me settle this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have raised this issue for the past six months and every week for the Month of XXXX and have found that the Status is OPEN and should be UNKNOWN which is been reported as serious delinquent for the past 24 months that reflects XXXX points decrease in Equifax reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with UMPQUA HOLDINGS CORPORATION (WA).
Issue: Deposits and withdrawals

Complaint: Umpqua bank allowed a transaction of {$180.00} out of my checking account from a garnishment, then charged me an additional {$120.00} in fees. My paycheck that Friday was only {$300.00} and my checking account consisted of only XXXX dollars and change prior to my direct deposited check. They wiped my entire account to XXXX balance then closed it. When I requested all funds be refunded as that was my very last paycheck prior to going on XXXX which could take weeks to process prior to receiving any payment at all. I 'm a single mom with now not a dime to feed, clothe or shelter my own children. I did not have the funds to garnish, I did not have a phone call, a letter or any notification of this transaction and if I had I could have paid the garnishment and at least had XXXX to feed my children. This was a violation of my rights and should be illegal,, I 've been robbed from my own financial institution who I have trusted. This bank is refusing to help me in this matter in fact blaming it on the creditor XXXX, stating they should be responsible for the fines and fees ... .but here 's my question " should n't the creditor and the bank allowing a garnishment have the same laws set before them to fully understand the allowed amounts to be taken according to the amount in the account? They took more than double 25 % of my wages that week and Umpqua finished my account off after. They are 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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have repeatedly tried online to freeze my credit reporting account with Equifax and keep getting a message that they are unable to process my request at this time.

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 EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent in letters to XXXX Equifax, and also XXXX XXXX I have also called I have also upload my photo Id and social security card to have proper things taking off my credit report. I am not sure why they even keep letting people run my credit with out verifying that it is me. This is why I have a fraud alert on my report. I just so happen to pull my report and this is crazy how they have let just about everyone pull my credit. I recently order my credit report and noticed that there are more then a few inquires that I do n't recognize nor did I authorize. Such as : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the inquiries that are unauthorized and unrecognizable. I have called over and over again and for some reason they keep telling me that there is nothing that they can do. If this is true then why would I even have a fraud alert on my report. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX order The following credit inquiries are related to none of the aforementioned permissible. Please remove these credit inquiries immediately.I would also like and updated report when this problem is corrected. Thank you so very much in advance XXXX XXXX I would also like my correct name and address and right social security number updated along with my phone number. I am attaching copies of all the correct items.

Company response to consumer: Closed with explanation