milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call repeatedly giving me false answers to my questions below is the timeline just over the past XXXX weeks-Talked to a rep on XXXX said they called the creditor and they said they would settle for XXXX and said my credit report will show PIF but the creditor will not agree to remove it off my credit and will remain on there till date expected to be removed unless I pay full amount. I asked my credit counselor if this was the best thing to do she said no not to pay it unless they agree to remove it completely. 
Talked to a rep asha on XXXX told them about the conversation I had with the other rep and told them what my counsel had told me and they said let me place u on hold to ask my supervisor to make sure the debt can be removed got back on the phone and stated supervisor approved for her to put a note on the account about the deletion told her before we proceed I need that in writing said she would email a document over to me and call me back the call was at XXXX per phone records. I never received the documentation via email. Called asha back at XXXX stating I have not received the document no answer left a message. Called me back at XXXX left me a VM saying she needed more information from me before she sends the letter. XXXX called me saying he was the operations manager and to call him back called back spoke to him he said they do not do settlement offers like that and they wo n't be able to delete it unless I paid the full amount. I became frustrated at him since I clearly was n't told that not even an hour before said that he would call the creditor and ask. Never called back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender sold my mortgage, at the same time the amount was adjusted to cover escrow. Somehow I missed the slight uptick in the amount ( {$47.00} ) so the mortgage company posted the money I did paid at " unapplied. '' I then saw the error, called the company, was given the run around and finally the clerk told me she could not give me the new mortgage amount until I submitted the {$47.00}. I mailed a check that day and still received a threatening letter. Given the sale of the mortgage, the new amount, and my call to the company I would have expected more courtesy. So apparently they get to " hold '' my payment as " unapplied '' - which seems grossly unfair. The company is Dovenmuehle Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX I deposited a check in the amount of {$11000.00} to my personal account in Chase Manhattan Bank. It was my own check from my other own personal account in XXXX XXXX XXXX. 
On XXXX XXXX ( XXXX days later ) I receive a letter stating that the funds were withheld because " this deposit is not consistent with the account 's normal deposit activity ''. The letter also says that the money will be held until XXXX/XXXX/2015. 
I do n't understand why the operation takes XXXX days to perform. Especially considering that the money is not in my XXXX XXXX XXXX 's " origin '' account since XXXX XXXX. 
Plus : 1. It is an operation from my account in XXXX bank to my account in another bank. 
2. I do n't think the reason about my " not normal deposit patterns '' is valid ( if it was my " withdrawal '' patterns, I can understand, but making a deposit into my own account? ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Media Collections, Inc (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX, an on-line bill pay service of XXXX XXXX XXXX XXXX is engaging in Identity theft of my SSN by sharing my Privacy protected information with XXXX and XXXX of XXXX, Ohio a third party which is also illegally using my social security number on their correspondence without my permission. I have reported both XXXX and XXXX and Creed to the FTC government website and was referred to this site by the Fair Trade commission. In addition, I have placed a 90 day fraud alert with XXXX, XXXX and XXXX. 

And since I am XXXX and XXXX identity theft insurance that was given all XXXX employees affected by the OPM hacking, I will be reporting the stolen SSN information by Joseph, Mann and Creed to those companies too. 

If there is a way to report this to the Attorney General of CA and Ohio and sue both XXXX and XXXX for unauthorized stealing and sharing of my SSN I will be exploring that as well. 

I hope the CFPB will reprimand both XXXX and Joseph, Mann and Creed- maybe all the employees and management of both those companies need to have their SSN information stolen by another third party so they can know what this feels like.

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 04-11-2017 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and noticed a collection from IC SYSTEMS. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEMS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

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 10-03-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Ditech Mortgage from Greentree which was sold from XXXX which was sold from XXXX and all before Ditech allowed bi-weekly payment only Ditech says they do not allow bi-weekly payment or allow me to sign up for auto pay. I had my bank send them funds Bi-weekly and had to call to have the funds changed to a payment every month. They took funds for the first two payment and then reversed that, and sent me to collections for the amount of the two payments. Unable to reach any one at customer service and unable to make an online payment with a Credit Card. The did not apply the bi-weekly payment to the principal on my account and I do not know where that money went. So by reversing those payments that were applied to my mortgage the last mortgage amount increased. I have never missed a payment and this is very disturbing that a mortgage company will practice these procedures to take advantage of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with WELLS FARGO & COMPANY (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: We secured XXXX student loans from Wells Fargo for our daughter for college school years XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. After graduation she attended law school so the loans were deferred for three years. During this time I received no information from Wells Fargo. In XX/XX/XXXX we were informed that the loan repayment was late. However we never received any information prior to the due date that we needed to pay. We did receive written correspondence after it was due. We paid the loan off {$19000.00}. It was late due to our bank holding some of the funds due to the amount. They then sent a bill for {$210.00} which we begrudgingly paid. We then received a bill for the second loan in XX/XX/XXXX with a due date XX/XX/XXXX. I mailed the check off on XX/XX/XXXX. However we received a notice on XX/XX/XXXX, that that payment was late and we now owed {$420.00}. It was not late they deposited the check on XX/XX/XXXX. My husband called them to find out what was going on and why we still owed them. She told him we were late and they needed payment. She advised him that if he sent in a check that we would then owe interest on the loan until the check was received. My husband asked so the interest never ends and the notice we received is always after the fact. She said we could never pay the interest off at that rate. We had to do an electronic transfer right then or be charged more interest. The finally told him the emails were sent to our daughter about the loans but NEVER to us. I told my daughter about this and she looked into her Wells Fargo account and it took her over an hour and digging into the XXXX to find a notice. They do n't want to notify you so that you can keep paying.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Loan payoff was made on XX/XX/XXXX via wire transfer to Ocwen Loan Servicing. To date there has been no Loan Satisfaction received from Ocwen. A message posted thru Ocwen 's website message system on XX/XX/XXXX requesting staus. Letter dated XX/XX/XXXX from Ocwen stated that most responses take 10 days, some take 30 days for a response. It is over 60 days since my request was submitted and there is still no response from Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Credit card) with Weber & Olcese, PLC (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Our son was in an auto accident and was injured. He now has very serious health problems. He had a XXXX credit card. He tried to pay it but it was sold to XXXX after XXXX filed for bankruptcy. He continued to pay on it, even though he continually explained his situation. He was trying to get his life back and reestablish his credit rating, and get any debts paid. 

he was taken off of work for a period after the accident and they found more very severe health problems. He had informed W & O and Portfolio in the last contact and it went ignored by them and they followed through on this default against him- a person with very severe medical problems. 

This past year, he was served with a summons. He did not understand what to do and kept paying the debt.He paid them over {$100.00} out of good faith and agreed to pay his debt, just wanted them to work with him. He has paid, XXXX and twice in XXXX of 2015, receiving letters of receipt back from XXXX/Weber and Olcese thanking him for his payment. 

He continually asked for the summons to be dropped. He is unable to talk on the phone regarding any financial debts, due to previous harassment and comprehension difficulties. This was stated several times in complaints and contact he had made to them, both in writing and to the CFPB. 

We believe that we are authorized to contact on the account. If not, we would at least like the CFPB and public to be aware of the harassment our son, with health problems is going through even though he is making payments to these XXXX companies. 

This week, he received a default, enforced by the same company that had been sending him thank you letters for his payments and that he has paid over {$100.00} to these past two months. XXXX of the receipts are enclosed. In the past two months, he has made XXXX payments. {$100.00}, {$12.00}, and $ XXXXXXXX.this default has now destroyed his credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The cbna had a hard inquiry on my credit report 2 times and I did not authorize them to run my credit. It 's the CBNA

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 09/17/2015 about Debt collection (I do not know) with MRS BPO, LLC (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i am being called by MRS BPO every day. a machine makes the call. i am not the person they are looking for. it is the person who used to have this phone number. 
there is no way to get them to stop because the machine circles around and around. i have called their main number where the operator says she can not help me and transfers me to a number where nobody answers. please make them stop. when calls for the same person were made by human beings, i was able to convince them i am not the one who owes the debt. can not get the machine calls stopped.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Taking out the loan or lease

Complaint: I leased a XXXX XXXX years ( XX/XX/2013 ) on a lease term of XXXX per month for 36 months or XXXX miles. Since I used up the miles in XX/XX/XXXX this year, I returned the car to the dealership where I leased the car. I asked the dealership " I am not early terminating the lease but I have used up the miles and I do n't need the car anymore ; what should I do? '' The dealership checked the car and let me signed off the mileage, and told me I just keep paying the monthly lease payment until the end of the lease and I will be done with the contract. 

So I returned the car to the dealer and I continued to pay my monthly lease payment on my Toyota Financial Services account. Up until I paid my XX/XX/XXXX lease payment, everything was fine. My account showed I have XXXX more payment of XXXX left on my lease and I owed XXXX balance in XX/XX/XXXX. 

When I went to pay my last payment of XXXX in XX/XX/XXXX, however, my account vanished. The website says I do n't have an account with XXXX. 

Next I received a horrifying bill of {$3300.00} from XXXX, claiming that as an Early Termination Statement. They charge XXXX times of what my last month payment because I " voluntarily early terminated '' the lease. 

I called the Toyota Financial Services, they refused to either make adjustment or let me contact with whoever responsible to make adjustment except trying to throw me to a collection agent. 

I went to the dealership, they are willing to help but they say they can not make adjustment so they need the financial service to tell them what they need to do to help us. So I called XXXX XXXX again asking what they need the dealership to do to prove that I never early terminate the lease and the dealership instructed me to keep paying the lease monthly as usual then I will be done.XXXX Services again refused to provide any information except throw me to a collection agent. 

I hope to get in touch with Toyota Financial Services so they could provide me the correct bill that I could pay. I am not responsible for a {$3300.00} early termination bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I bought XXXX XXXX phone purchased in full. I had a no contract month to month payment plan where you paid for any phone service up front. I canceled the service due to the month to month price increasing. I do NOT owe XXXX any money. My credit report indicates it is in collections. This is an error on the part of XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Transunion has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter.

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 05-06-2015 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Advertising and marketing

Complaint: Barclay Credit card offered 0 % in 18months financial to purchase my laptop. After 18months passed I could n't paid off, they charge me interest close to 30 % based on original purchase price retroactively. Suddenly I saw close to {$1000.00} interest charge over {$3500.00} laptop. They claimed " Deferred Interest Financing '' in written in the contract but not clearly explained at signing. I thought my interest will e charged on unpaid part after 18 month promotion is over. XXXX time i saw " Deferred Interest Financing '' in the communication was 5 month later email after I signed. Even that email, it was very graphically miss leading not clearly explained what exactly mean by " Deferred Interest Financing '' under fancy graphical " New Tool '' interfaces.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Credit decision / Underwriting

Complaint: We have a home loan with Wells Fargo Home Mortgage. We are attempting to refinance our home with another company and when they ran our credit report, they found that Wells Fargo has not submitted our payment information for the last four years. When they call Wells Fargo, they admit there have been no missed or late payments but they refuse to submit the information to any bureau. This neglect has lowered our credit scores and prohibited us from getting a conventional loan. This is going to cost us thousands of dollars over the coming years.

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 06/26/2015 about Debt collection (I do not know) with Premier Recovery Group (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone at XXXX calls my home XXXX or XXXX times a day for another person claiming they are an investigator and she committed fraud. He even gave me the last XXXX of her social security number. I told him he should not be giving out personal information on this person. He said if I knew her I better tell him. I told him I knew her but this was not her number and stop calling my home. He got very irate and told me this was the number he had on file. I told him to remove it and stop calling here and hung up. He called back XXXX more times threatening to go to her job and what could happen to me. I told him do not call my house a gain and I meant that. He told me this was the number her had on file and he would continue to call. He ever gives his name, just that he is an investigator. Wish I could sue him. I am a XXXX, had a XXXX XXXX in XXXX and do not owe any money he is trying to collect. My XXXX XXXX went up yesterday after the harassment. Can you help?

Company response to consumer: Closed