milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2016 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A debt collector Caine & Weiner XXXX XXXX, has a fraud account on my Equifax credit report. I have police reports along with my ID and Passport proving I was living out of the country for several years. This is some kind of Fraudulent Identity theft/Financial theft. I do n't owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (OH).
Issue: Trouble during payment process

Complaint: Starting in XX/XX/XXXX, Ditech Mortgage, started to add {$160.00} to my mortgage payment of {$390.00} for a total of {$550.00}. They claimed I was not making my property tax payments. But, all along I had been making my payments to my XXXX County fiscal office, as I had always been. Ditech sent a payment of {$700.00} to my fiscal office which has since been refunded to them in XX/XX/XXXX. After over a year of trying to get this resolved by phone calls and sending in proof of payments, I am now in foreclosure and my credit has been damaged, and no closer to getting this resolved! I have made all of my mortgage payments and my property tax payments each month but they say I am {$2000.00} past due including late charges, and I 'm in foreclosure. I am trying to sell my house but can not put it on the market until this gets resolved. I want my credit repaired, any late charges removed and the account adjusted to show current. I have submitted supporting documents to you to show my proof of payments for my mortgage and property taxes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion has many items that were reinserted back on my credit report due to fraud. 
The company refused to remove the items that were stolen under my social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Medical debt) with S&S Physician Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I explained to the collector that insurance was provided and time of service and then I also provided insurance information again to them several times. I was told they would apply it to applicable accounts as some accounts they waited to long to file with the insurance company which was not my fault. However, the creditor agreed to remove these debts from my credit report but did not. I then disputed it with the 3 credit bureaus and each time XXXX come back verifies the debts as accurate. I have attached the communication between me and XXXX as this has been a burden and unfair practice to damage my credit. Furthermore, no communications about all of these debts were ever received just a 2 and I found out by pulling my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Consumer Loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Problems when you are unable to pay

Complaint: i was financed by santander consumer usa. i made XXXX payments, most of it was XXXX per month, there is a lot of costly issues with my car, i asked them to pay XXXX a month since my issues needs to be fix, they would call me all times of the day, sundays and on holidays, sometimes i get angry, because i am paying my loan, now it is intress added to intress, now they want me to pay XXXX a month, or get reposess, can i get some sort of help, the car is worth around XXXX dollars, used the price i payed so far, for them to reposess my car for,XXXX XXXX dollars, is pure bullie in, can i get some help please, i rather give back the car so not to have repo on my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX 2015, I terminated a lease early with XXXX at XXXX XXXX in XXXX XXXX, FL. The lease stipulated if the lease was terminated early that I had to pay 2 months rent at termination. I went to my bank and got a money order for the amount that was due less my Security Deposit. I withdrew {$1400.00} from my XXXX XXXX XXXX account and used {$220.00} in cash I had on me to get the money order. I gave it to the XXXX XXXX one of the property managers. She gave me a release that showed no further money was due. In XXXX 2015, I received a notice from XXXX saying I owed {$1600.00}. I immediately disputed this with XXXX and contacted XXXX at XXXX XXXX who denied receiving the funds and had no explanation as to why they never contacted me before turning me over to collections. I have disputed this with XXXX and both XXXX and Equifax to no avail. I have hired an attorney who sent demand letters which were met by legal threats against me. This has cost me a job and hurt my ability to obtain credit. I just want this incorrect information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (IL).
Issue: Trouble during payment process

Complaint: Purchased my home in XX/XX/XXXX with XXXX XXXX XXXX XXXX who sold my mortgage to PNC. Previously worked as a XXXX and paid all my mortgages on time. I lost that job and accepted another job as as XXXX which did not pay as much. Contacted PNC who informed me that I should not pay for 3 months to qualify for a homeowner modification. I was given a trial period of 3 months and I paid for the 3 months prior to them approving the modification. I paid the modification for several years ( XXXX ) when suddenly PNC decided to return all my mortgage che is ( after mine had been cashed ). I did not cash any of their checks that have been returned and they have stacked up to XXXX. They have since sent me a letter they are going to foreclose on the home and I have decided to file bankruptcy to protect myself against PNC which has since ruined my credit. I have since receive a letter from PNC stating they are going to court to sell the house on XX/XX/XXXX and I have now decided to join a class action lawsuit as I have paid thousands of dollars in attorney fees and no results from local attorney General and courts. Updated on XX/XX/XXXX : This is a follow up from my prior complaint regarding PNC mortgage. PNC foreclosed on my prior account while I was paying my mortgage and has handed my home over for renting to a company out of Utah called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Buyers beware. Do not take out a mortgage with PNC mortgage!!! If you have been ripped off the way I have and not obtaining local help from your local courts and politicians seek class action! This ca n't be legal. Updated XX/XX/XXXX : PNC left me homeless for the holidays and for the XXXX XXXX. This complaint is also posted at Consumer Affairs but is now being censored but the public has the right to know the truth about such unlawful acts and individuals who think the law does not apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XX/XX/XXXX 2017 I met with an insurance agent and we proceeded to sign me up for XXXX forXX/XX/XXXX 2017 as my XXXX started on XX/XX/XXXX 2017. 
From what I was told, XXXX needed to have a credit card on file to bill for a monthly fee next month for {$7.00} for dental insurance. It wasnt dental insurance after all and turned out to be reduced dental fees. I figured this out within a few days and began trying to contact XXXX. I made several phone calls, e-mailed, texted the agent about it ( didnt get a response ) and then cancelled the XXXX insurancebecause no one would talk to me about anything or get back to me as I had been requesting repeatedly. 
That same month, XXXX went on to charge another {$51.00}, {$16.00}, and {$22.00} without my consent. I had already cancelled but they kept charging. When I realized they had charged that I filed a dispute with Capital One. Capital One credit card was been faxed the dispute but refuses pursue it. 
In the mean time, I put a freeze on that card because XXXX wouldnt assure me they wouldnt be charging it in the future. After a few months, Capital One just sent a notice they had reviewed the dispute and were re-charging the card. I requested a written notice of this, what they did on the dispute and what XXXX said. Capital One has sent nothing as of the date of this complaint filing. 
XXXX has continued to try to charge the card and send me stuff in the mail. They sent me a {$13.00} check for a refund on a prescription I paid for. I sent it back to them and told them again not to send me anything as Im not on their insurance. Ive been on a different insurance for two months now and XXXX is still trying to pursue me as a client. 
Capital One has not responded to my inquiries nor the written information Ive sent them. I guess they are just waiting for me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I recently completed a Chapter XXXX Bankruptcy ( 4 Months ago ) and month later after checking my credit report I noticed my student loans were listed under a collection agency. At the time I did n't know Private student loans were n't included in a Chapter XXXX so I filed a dispute with the collection agency. I began receiving settlement calls from the creditor asking for a settlement of {$1000.00}, I did n't have that much money readily available at that time. I have not once received an e-mail or letter/bill for my private student loans but I do regularly receive letters for my Federal student loans. I have been making payments on my private loans and when I reached back out to Navient today ( XXXX/XXXX/2015 ) to try and get my interest rates reduced from 13.25 % or lower the total amount. They informed me that I need to call back in a week because my account is in collections and they do not know who the creditor is. I find that odd as I have not received any written communication about this AND when I go to their website it still allows me to make payments ( Which I have been actively doing ). The website also says I have missed 19 payments and I do n't see how that 's even possible considering I have only been out of Chapter XXXX Bankruptcy protection for 5 months. I feel that this lendor may be taking advantage of me and I would like someone to look into this please.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I filed a complaint with equifax on  or around 2015 r egarding incorrect information appearing on a credit report involving  XXXX . It was reported back to me that this case was incorrect and would be closed with no consequence to my credit. and all reporting would be updated. This is Still showing up on credit reports. The la st one I looked at was with   XXXX   XXXX   and it shows as a collection. This is incorrect and needs to be updated as it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have recently disputed my dismissed XXXX from EX and they 've deleted it! But it 's still being reported by these XXXX XXXX XXXX XXXX XXXX ... Attached to this is proof that this was deleted as of XXXX XXXX XXXX. Please follow suit and delete this for accurate reporting. It must be deleted in order to show my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2012 30 days past due as of XX/XX/2012, XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RGS Financial, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A collection was placed on my credit report XX/XX/XXXX with a date of XXXX XXXX. I called on XXXX XXXX and sent a certified letter on the same day. The customer service rep said this debt was from XXXX XXXX but could not verify my address was the same. There were 3 different times this debt was put on my credit report and one after I disputed the debt. I asked that this be reported as disputed until RGS could provide more details to the debt and the customer service rep said she would need to contact the original creditor. This was not done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Debt collection (I do not know) with AR Resources, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XX/XX/2017, I found an account start reporting on my credit report in the AR Resources Inc office. I faxed a letter requesting more information about account but 11 days I wake up to XXXX more accounts added on my credit report. I have no knowledge of these accounts and never received a dunning letter referencing any of the accounts. Here 's XXXX of XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: Bank of America is misreporting on my credit report a credit card that has been charged off. The account was charged-off back in 2012, however Bank of America continues to report the account as an account as open but also with a past due balance, which is reflecting a missed the payment for every month since the charge-off date. Charge-off accounts can not be legally reported as having been past due every month after they 've been charged-off, they are supposed to show that the balance has been charged-off. Instead for the last 5 years, every month, they 've reported a new late payment on my credit report, so this account shows I have over XXXX late payments after it was charged off ( Please see attached excerpt of credit report ). This is a blatant violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have in the past dispute collection agencies derogatory remarks on my credit report. They have been removed and keep reappearing on my reports. These remarks have been removed from experian, yet after requesting them to be removed from equifax and transition they still remain. This is preventing me from obtain my mortgage loan. I think the XXXX credit bureaus should be communicating and reporting the same information. Or dissolve them to XXXX national credit bureau, as this is very time consuming to work with XXXX bureaus to clarify my credit information ... .PLEASE HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, 2017, I received an alert thru CRA monitoring. That reported that I have a NEW collection from this IC System. I previously had no contact or knowledge of this alleged debt. They have not contacted to me to ADVISE ME OF MY RIGHT TO DISPUTE this debt.I believe my rights have be abrogated. I have written to this company twice. No response. Additionally, they attempted to report this debt multiple times to the same CRA. I have since disputed this account with all XXXX CRAs. I will like this account deleted from my file.

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 05/31/2017 about Debt collection (Other debt) with Municipal Collections of America, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I already filed two complaints with the Consumer Financial Protection Bureau XXXX and XXXX the company was supposed to write me but they never did so I did n't know that the case was closed. The harassment continued so I made a complaint to the Attorney General of the State of Illinois XXXX XXXX File No : XXXX and they ordered them to stop, but they did n't and have now had XXXX XXXX XXXX cut off my mother 's phone and she is an elderly XXXX person. In addition, they have now hacked into my medical records at two different healthcare centers and have used my doctors ' medical license numbers to write prescriptions to both XXXX and XXXX in XXXX. I have contacted both the FCC and Congressman XXXX XXXX XXXX office and no one seems to have the ability to stop these people. It is no longer a company but a family because they own dozens of such companies and just move the debt around from company to company. The owners all have multiple aliases and addresses ; this really deserves a criminal investigation but the FBI does n't seem to be interested. Here are some of the names of the individuals behind these crimes. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and many more, all with multiple aliases and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with ACS Education Services (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Account is reporting twice for the same account by XXXX different creditors. It is a paid account and reflecting in a negitive manner and I would like for ACS to please remove the account/negitive reporting from all XXXX credit bureaus. As I have spoke to one of ACS agents on XX/XX/2017 and was advised to send in something showing it was still reporting and they would have it removed.The documentation was also sent in the same day. Each time I write to ACS they send me back the same letter that I 've already responded to. which leads me to believe no one is reading the documents that are send in otherwise I would not get the same letter back asking the same question that was already answered. I will attach the letters that show the dates from ACS.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was contacted by XXXX XXXX XXXX saying they were a collection agency and that my credit card was over XXXX days past due. I said that I always paid my bills on time and had just sent in a huge payment because I received my tax return. This credit card was not opened by me. I have never seen it, used it, nor signed for it. The address and phone number associated with the card was not familiar to me nor were they a part of my history. These were XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX. The man I spoke to at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) said that they called that number on XXXX and the person who answered said wrong number when they asked for me, XXXX XXXX. The ID for my case at XXXX XXXX XXXX is XXXX. I have placed freezes with all three credit bureaus. I also have filed a police report. My police report number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have had several problems with Navient Student loan however currently even though I am making payments on my sons loan ( co-signer ) because they sent threatening letters to me ( co-signer ) and ruined my credit, because he was out of work and unable to pay. they were unwilling to work with him or us they were rude on the phone and very poor customer service. Despite my wife and I ( co-signer ) have payments being directly sent from our bank every month regularly before payment due they are charging us LATE fees even though payments are on time!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Money was not available when promised

Complaint: i bought a XXXX on XXXX i wired XXXX to XXXX XXXX IN XXXX I TOLD HIM I WOULD PAY THE OTHER XXXX IN PERSON I WIRED THE MONEY THAT AFTERNOON AND LEFT TO XXXX AT XXXX THAT MORNING. XXXX CALL ME AT XXXX WHEN I WAS ALMOST THERE TO THE ADDRESS WITH THE TRUCK DRIVER AND SAID HE HAD TO GO TO XXXX ON ANOTHER MATTER SO XXXX COULDNT BE THERE SO I CALL MY BANK TO STOP TRANSFER UNDER A FRAUD AND CALLED THE XXXX STATE POLICE TO HOLD ACCOUNT MAX FROM THE XXXX STATE POLICE SEIZED THE TRANSACTION AND XXXX SAID THEY NEVER GOT TO YOUR MONEY AT BANK OF AMERICA AND THAT THE MONEY WENT TO XXXX BANK OF AMERICA SO THROUGH ALL THE FORMS XXXX XXXX XXXX XXXX FILED WITH BANK OF AMERICA IN HOLD HARMLESS I WAS TOLD I WOULD HAVE MY MONEY XX/XX/2016 AS OF NOW STILL NO MONEY AND THERE STILL NOT DONE.

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