milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: they dont to update any file on my credit report from some reason they dont respond to my disputes i got confirmation that they receive my disputes but they never process investigations or anything they told me my account handling by a spacial person but they never want to delete anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2016 about Debt collection (Medical) with Monterey Financial Services LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Monterey Collections stating that I had an outstanding bill for Medical services in the amount of XXXX. I have called them three different times left messages and no calls returned. I have now received From Protect My ID account that this company has now added a Negative Rating on my Credit for a bill which I knew nothing about. Doing some research I found out that they bought receivables from a company named XXXX , XXXX which is being investigated for fraud by the Federal Government. I have contacted both XXXX and XXXX and disputed this charge. I have never been late on any bill and have always paid what I owed. I do not know what these services were nor to I think they are justified. I do not even know who ordered these presumed tests in my behalf. I have always had insurance coverage and have paid any deductibles or co pays when I have received a legitimate bill. This charge smacks of fraud and I would like this taken off my credit information as well as having Monterey Collections seize all further action for a fraudulent charge they are not due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (FHA mortgage) with LendUS, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: We re-financed our home with RPM Mortgage in XXXX of 2013 and were over charged for Funding Fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Turned in lease car in XXXX OF XXXX. Received letter and then repeated calls from XXXX XXXX XXXX on XXXX/XXXX/XXXX ... XXXX XXXX years later? They offered to settle bill of {$380.00} for {$300.00} ... not ... credit report would then show write off. Called XXXX XXXX and was first told no balance due. Then XXXX ... .their lease department said I owed {$380.00}. I asked them for what and requested a bill from them on XXXX XXXX, XXXX, have not received bill. Called them again on XXXX XXXX, XXXX requesting another bill and have not received a bill. I stated to them I would not pay a collection agency but would need a bill to pay them directly ... still no bill and in the meantime still receiving calls from XXXX. XXXX claims they sent out a bill in XXXX OF XXXX, DID N'T RECEIVE, why would they not send out another bill and then turn over to a collection agency XXXX XXXX YEARS LATER

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (ME).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On X/XX/17 I paid off my PNC Bank Visa card on the phone with a representative of the company. The amount was {$3900.00}. I double checked to see that this would be the final balance, no additional funds required. I was assured this was so. I called them the next day, X/XX/17, to be assured the account was closed, free and clear and was told I had a XXXX balance. Yesterday, X/X/17 I received a bill from them for {$38.00} in interest. I called them to question this. The billing date on the statement was X/XX/17. They told me that I owed interest to them. I talked to four different people, going up the supervisory ladder, to try to get the amount removed, knowing that if I refused to pay it would affect my credit. I was told by every person responding that they could do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit report is showing an account for XXXX XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX deletion request off my credit report, the account is still showing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX to confirm the information on the letter attached is accurate and still nothing. Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX who is the collections manager with XXXX. XXXX with XXXX provided me with the letter attached approving the XXXX account to be deleted off my credit report.

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 06/29/2017 about Debt collection (I do not know) with Unique Management Services, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have never done business with XXXX XXXX XXXX XXXX. I do not have a signed contract not any contract with XXXX XXXX XXXX XXXX, I have the right to demand a copy of any contract between XXXX XXXX XXXX and myself.

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 Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received the collection letter without any notice that I owe the debt to dispute and the debt is a charge off from 2009, 8 years old and 1 year past reporting the credit reports and ability to collect.

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 05/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this contested parking ticket months ago and it was still sent to collections. After the first collection attempt I followed the instructions to prove the debt was paid and they are still attempting to collect it from me. When I call their phone number provided and attempt to speak to a human it hangs up on me every time. I want this stopped before it wrongly affects my credit. I have complete proof that the debit was paid and that the amount demanded is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: XXXX, XXXX , & TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS 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 10/31/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage is owned by XXXX and serviced by Ditech of XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I make monthly payments on time, always in excess of the required amount. For my XX/XX/2016 payment, I remitted the sum of {$90000.00} to cover my monthly payment of {$2400.00}, with the balance to reduce the principal. At age XXXX yrs, my goal is to liquidate my home mortgage. I have repeatedly attempted, in writing, to have the company properly account for the payment, and have received computer form letters that fail to address the matter. I continue to make monthly payments, on time, in excess of the required amounts, and yet the company shows my account past due, and are placing funds in an account called " Funds in suspense '' and " Unapplied Funds '' while treating my account as a delinquent account. The company hides behind PO Boxes, uses computer form letters signed by the company with no human-being responible, their senior officers are unreachable, and clearly attempts to conducts their mortgage servicing business by automation. My efforts to have the problem resolved with the company is futile and hopeless, and I respectfully request the assistance of the CFPB. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Mortgage (VA mortgage) with M&T BANK CORPORATION (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: { ****The loan did not close M & T Bank Refuse to refund the money $ XXXX }. 



M & T Bank, Per your request the rate today is 3.75 % for a 15 yr. term on a VA Refinance . Your Closing cost is estimated between XXXX which was included in you loan.. ( ****The only upfront commitment fee M & T Bank requires at the time of application is {$270.00} by visa or MasterCard the day you apply. That is part of your closing cost and will be credit towards your closing cost at your final closing****.. } VA will charge .50 point to your loan unless you are a XXXX veteran.. The fee will be XXXX and again I have included that into your loan as well ... Your total interest saving will be {$21000.00} and your payment will be XXXX less per month for a 15 yr. term.. Your new payment will be {$1300.00} includes Taxes and insurance. 

Let me know if you have any further questions.. 

Thank you. 

XXXX XXXX Mortgage Consultant XXXX # XXXX M & T Bank XXXX XXXX XXXX XXXX, NY XXXX XXXX x XXXX Fax ( XXXX ) XXXX XXXXXXXXXXXX

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 01-12-2018 about Debt collection (Medical debt) with The Law Offices of Mitchell D. Bluhm & Associates (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The letter stated that my XXXX XXXX XXXX account was acquired by XXXX XXXX XXXX and placed with this law firm for collection. The letter stated that the law firm was authorized to extend to me a special offer of settlement for {$480.00} ( a 40 % savings from the original amount of {$800.00} ). 

I researched the date of service ( XX/XX/XXXX ) and amount owed ( {$800.00} ) and found that all bills associated with that date were satisfactorily paid by my insurance company. No one from the hospital or related services had turned my account over for collection because there was no outstanding bill. 

In my research, I did figure out what had happened. The hospital originally requested payment under my SSN instead of my husband 's SSN as he is the account holder. Payment was denied by my insurance company. As soon as I realized that happened, in XX/XX/XXXX, I contacted the hospital to correct the error. The bill was then resubmitted to insurance and paid. 

I sent a letter to this law firm with a letter stating they were trying to collect a debt that was not owed. Additionally, I enclosed plus the EOB from my insurance company to show that this bill was paid. The letter was sent Certified with Return Receipt requested by USPS on XX/XX/XXXX. The letter was returned to me marked " Unclaimed '' on XX/XX/XXXX. I filed all that away in case it became a further issue. 

On XX/XX/XXXX, I received another letter with the same information and offer. 

Today, XX/XX/XXXX, I received another from XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX with the exact same offer. This letter had errors in my address that were not present in previous letters. But all letters shared a common address on the enclosed payment stub : XXXX XXXX XXXX, XXXX, CA XXXX. 

I feel like this company bought access to old information and are trying to see what people will be frightened into paying. How can they be stopped?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Debt collection (Credit card) with Conn's, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: repetitious phone calls intended to annoy or abuse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans are currently serviced by Navient ( formerly XXXX XXXX ). I should qualify for a .500 % interest rate reduction due to auto debit, but was told that my eligibility was terminated due to XXXX rejected payments in XXXX 2014. I obtained a copy of my XXXX 2014 bank statement and it documents that there were not XXXX rejected payments in XXXX 2014. I provided a copy of the bank statement to Navient along with a request that they reinstate my interest rate reduction, however, they continue to insist that there were XXXX rejected payments and will not reinstate the reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: I applied to refinance my home mortgage with Chase Home Lending. My wife and I have excellent jobs as school teachers, our credit scores are both above XXXX, and our home appraised very well. 
Chase collected a " Good Faith '' application fee of {$500.00} and promised excellent service. 
As the process went on, it became apparent that Chase was holding up the processing of our mortgage because we had received a disaster assistance loan from the Small Business Administration for the recovery from Hurricane XXXX. 
I believe that the Chase underwriters acted in an illegal fashion in their failure to process this loan and that underwriting practices in this case constituted discrimination against us for taking the disaster assistance loan from the Small Business Administration. 
On XXXX, XXXX, 2016, XXXX XXXX of Chase Bank promised to refund my application fee, yet the firm has failed to do so. 
Please investigate the underwriting practices of Chase to see that this bank is not discriminating against survivors of disasters who are otherwise on excellent financial footing. Please instruct this firm to immediately refund the promised application fee. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2017 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: Someone continues to fraudulently attempt to sign up for financial accounts using my details. XXXX and XXXX have been responsive. Transunion ignores my requests to fix or verify the situation. 

Adding insult to injury, they continue to harbor typographical errors to which I have requested deletion ( XXXX vs XXXX ), which continue to harm me by invalidating automated credit and identity checks. They also claim that very old addresses have been validated as current. In summary, Transunion is a piece of XXXX. They refused to accept any complaints from consumers, instead referring me to the financial institutions who pulled my credit. Kudos to XXXX and XXXX for actually responding to my complaints.

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 06/17/2015 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed the following account on my credit report ; I sent Experian letters which I received from the creditors which shows that the account are being reported in correctly. The letter also states that the accounts should be deleted, and or updated to reflect no late payments and etc. I have disputed this with Experian who fail to perform a proper investigation into the matter. They also have failed to removed the accounts from my reports, even after the creditors have requested it all be deleted or updated to reflect no late payments or past due. Please help me. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (I do not know) with RGS Financial, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: RGS Financial of XXXX XXXX showed up on my XXXX credit bureau on XXXX XXXX, 2016 for {$120.00}. This caused my credit score to drop by XXXX points. I have never received a disclosure of debt from this business and they have done irreparable harm to my credit. I do not any clue as to what this amount of for as it was not properly disclosed of to me. I have live at the same address going on 3 years and it has been on my credit file for 2.5 years. This is in direct violation of Federal Statutes pertaining to collections. This needs to be deleted immediately from my credit file or a civil suit will follow for the fullest amount allowed by XXXX County, XXXX Court for irreparable harm to my credit file and failure to adequately disclose the debt prior to placing it on my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (I do not know) with Halsted Financial Services, LLC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Hello, My name is XXXX XXXX XXXX. For the past few days I have been receiving phone calls from this debt collector. They call and they hang up when I answer. A few days ago I called and the representative told me it was an attempt to collect a debt and they wouldnt let me ask questions. The company is HALSTEAD FINANCIAL SERVICES and they are calling from XXXX They also contacted my home and harassed my XXXX year old grandmother who is sick with XXXX and threatened to show up at my place of employment. I am not certain what his debt is about but they are certainly breaching the law. Please do something about this or I will certainly reach out to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Auto debt) with Hiday & Ricke, P.A. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I was in a car accident dated XX/XX/XXXXand I was falsely accused at fault. I had no support system at the time and I was very young. Anyways, I told the police officer my side of the story, and he cited me a ticket, even though I was the last person he talked too. The person who was actually at fault was the one who stopped in the middle of the bridge, with no hazard lights on while traffic on the opposite side of her was still in motion. My insurance company dropped me, and they did n't pay for no property damages, and no liability damages. ( Please note at that time : liability insurance was not required by the state of Florida ) So the driver that stopped in the middle of the bridge ends up suiting each vehicle that was involved in the accident, it was 4 vehicles total that was involved. So I get a letter from a debt collection agency saying that I owe them XXXX. Little did I know, at that time, I actually did n't owe them a debt, because I never had an account with them. But they are making me sign a contract stating that I owe XXXX and I could settle for {$4500.00}. So I took the settlement for {$4500.00}. I paid them onXX/XX/XXXX, and the next day, I was a victim of ID Theft. So I called them and told them what happened, and now they tell me I owe XXXX all because I did n't pay them as agreed, which I did pay them. I got a letter from on XX/XX/XXXXstating they are going to have my license and registration privileges revoked if I do n't pay the debt that I owe them. Which I do n't owe them anything, because I never had an account with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Settlement process and costs

Complaint: I request a finance quote on the around XX/XX/XXXX, and they gave me one quote on XX/XX/XXXX, that quote as expired, and I needed another one to be send in, and they told me, the system is down and do n't know when it will be up, and running. I told them I needed it by tomorrow, and they keep telling me they do n't know when, the system will be up and running, it can be any time. But if I do n't get it by Friday. It is going to cost me money I do n't have, and a lots of grief, I do n't want.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: again these people do not provide accurate information to me and did not help me please help dispute the items that they say that is on my credit report i have told them that my information is not correct an they still would not help me.

Company response to consumer: Closed with explanation