milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All Medical bills Since 2000 are not my responsibility as they were either paid through workman 's comp or through Medicaid and Medicare. They are trying to collect more money than what has been agreed upon through the contracs they have with these agencies. I have receipts from BC/BS ( My HMO or through other HMO 's which is part of Medicare A and B.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Medical debt) with Credit Management Control, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am being billed and rebilled for a Debt at a Hospital that is not mine. It started in XX/XX/XXXX for XXXX plus. I went to XXXX XXXX XXXX XXXX XXXX XXXX and disputed this in person in XX/XX/XXXX and was told to disregard this bill. Now I am getting this reported anew on Credit Agencies as derogatory information in collections As of XX/XX/XXXX now at XXXX. The new Collection letter states this bill was generated on XX/XX/XXXX. I had disputed this at XXXX and it partially went away and now its being reported as a new Collection and is in fact the same from XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt collection for original creditor is showing XXXX 's as separate credit accounts, never had XXXX XXXX XXXX XXXX credit cards for this debtor, only ordered XXXX items on the same date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a credit report attributed to me ( my credit report ) from Transunion and XXXX. The gross errors are alarming together with the facts that I am falsely accused of an address I never had ; a bank account at a bank I never had an account ; a spouse listed which I never had ; a middle initial I never had ; a similar name to mine which belongs to someone else and has the same middle initial but a different middle name ; and the list goes on. It keeps listing a student loan outstanding. I never, ever even had a student loan or used one. And the list goes on.

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 06/20/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: I began a lease with Ally Bank in XXXX XXXX on a XXXX XXXX XXXX. I was instructed that I could turn the car in to any XXXX Dealer. On XXXX/XXXX/XXXX, I turned the car in to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, CA XXXX.The car was accepted by XXXX XXXX and I was given an Ally Smartlease Odometer Statement. For a long time, I did not receive anything from Ally recognizing the turn in of the vehicle. I contacted them in XXXX XXXX and Ally said they did not receive any info from XXXX nor receive the car. I then contacted General Manager XXXX XXXX at XXXX asking what happened to the car and the reporting to Ally. He could not find any paperwork on Ally picking up the car. So, XXXX filed a Stolen Vehicle report on XXXX/XXXX/XXXX with the Dept of CA Highway Patrol. Meanwhile, Ally keeps dinging my credit rating. After many calls and providing the Odometer statement again to Ally, I was able to finally receive a payoff amount of {$710.00} from an Ally employee name XXXX. I immediately paid the amount. Then I received a letter dated XXXX/XXXX/XXXX from Ally stating that there was an amount due of {$76.00} and that it was also a Notice of Intent to Report Negative Information. So, I contacted Ally immediately, and provided the Odometer Statement and Vehicle Report to XXXX in Cust. Svc.. Yet, Ally again dinged my credit rating on XXXX/XXXX/XXXX. After many calls, Ally said everything was cleared up and I received a check dated XXXX/XXXX/XXXX for {$1600.00} for Refund of Payments after vehicle turn in. Then I received another letter dated XXXX/XXXX/XXXX from Ally stating that my account was referred to their Asset Recovery Center and that I owed {$20000.00}. And I was again dinged on my credit rating by Ally on XXXX/XXXX/XXXX. After making several calls, I was told Ally needed to do an investigation and I was asked to again send them the Odometer Statement and Vehicle Report. I faxed the info to them and included a copy of the remittance check stub I had received. Still no resolution and Ally again dinged my credit rating on XXXX/XXXX/XXXX. I ca n't keep having my credit rating go down and I am not responsible for the {$20000.00}.

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 04-03-2015 about Debt collection (I do not know) with Law Offices Howard Lee Schiff, P.C. (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I am writing regarding a Debt Collector, Howard Lee Schiff in XXXX CT. I am in receipt of a letter from the firm that they will be filing a lawsuit against me for their client on a bill that I believe to date back several years. 

They have provided no information on whom they represent as their client so I am not sure what this bill is regarding. Back in late XX/XX/XXXX I was a casualty of the financial crisis and fell behind on a few bills that I have worked to clear up. However I have not had any delinquent accounts since at least XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (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: Since last year 2016 someone was using my best buy credit card, I called best buy and they fixed so i closed that credit card and they sent me a new one and the next month i received a bill from them that i owe them and i never activate my new card so i call again to best buy and told them about the situation so they fixed it and sent me a letter that was a fraud so i decided to close the last credit card and i never open a new credit card. and again i received a new bill from best buy so it was 3rd time that they were doing fraud and every time i called them they said do n't worry everything is taking care. so the last fraud { 4th time } i had couple days ago and i had to call XXXX to let them know that i 'm a victim of fraud because Best Buy ruined my credit score .I HATE BEST BUY. They did 4 times and every time i called them, they said everything is taking care and i hope this the last time that they are doing this to me.

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 10/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: I have been having some trouble with my mortgage company for the past six months or so. 
My mortgage company used to be Greentree, and then it was sold to Ditech in the XX/XX/2016. 
I continued to make our monthly mortgage payments, and began receiving calls from Ditech in XXXX of 2016 telling me that my account was behind because they had n't received an XXXX payment from me. I made my XXXX payment and checked my bank statements to confirm that Ditech had cashed my check, and they did. 
I submitted my bank statement to prove that we made our XXXX payment, and they told me that they did n't allocate our payment to our account because they switched their software in order to absorb all Greentree mortgages into their computer system, and said that they have been having issues because of the software switch. 
Ditech verbally confirms that they received my XXXX payment, and cashed my check for that payment. 
Ditech continues to call me and send statements in the mail indicating that I am delinquent in my payments due to this " missing '' XXXX payment. Ditech has also added late fees onto the amount that they are saying is past due. 
When I call Ditech, they tell me that they are " taking care of this and will fix it '', but the calls and mailed statements from them indicate that in their system, I am still delinquent. 
The " late payment '' showed up on my credit report, and luckily, after disputing this with a credit bureau, they took it off my credit report, but my credit rating has dropped because of this. 
It has been 6 months, and Ditech has n't resolved this issue yet. I continue to receive phone calls and mail from Ditech indicating that they need me to pay that " missing '' XXXX 2016 payment. 
I am not sure how to proceed at this point.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have applied a mortgage with fifth third bank as I have account with them and I had experience with them is banking service.when I applied for the loan, I checked with loa n officer whethe r there is any issue with my credit or the subject property. Loan officer ( NMLS  XXXX  ) said it looks good. They needed to do the appraisal for the property to review underwriting. before underwriting they have received condo questionnnaire from condo association. I was rejected for the loan. One owner owns  XXXX  or  XXXX  unit in the building and they found that it is not meeting the   XXXX   XXXX   requirement. Then this loa n officer in formed me that they are applying for an exception. Finally they send me the loan rejection confirmation letter.     While I was contcating other lender they asked me about single entity ownership as a first question. Also finally I have received a conventional loan from another bank when they applied for an exception.     This loan office did n't check the very basic information and he asked me to pay for {$490.00} for appraisal which I paid. So I have asked for a return of that money to the  53 b ank board nad they refused to pay back. This loan harrasment and {$490.00} payment happened only due to their fault. Also the loan office lied that they are going to apply for exception and he did n't. he confirmed me that when I called to check.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There's 6 unknown addresses on 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 explanation
Consumer complaint received 11/23/2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I purchased a new Honda Civic from Honda Financial services because I was promised to get the rebate program they had going on, which they still currently offer, but refuse to apply to my statement. The rebate is the College Graduate rebate program that if you graduate within the next 6 months to 2 years from an accredited university they will apply a {$500.00} rebate to your owed financed balance. I only purchased the vehicle from them because I was promised to have this rebate applied as soon as I graduated. I then came back after I graduated and they refused to apply the rebate for me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On X/X/17, I wrote a check from my Citi checking account to my account held at XXXX. The check was cashed and the funds made available to me in my XXXX account. On X/XX/17, the funds were removed from my XXXX account because Citi noticed that the check could not be cashed. In other words, the check bounced, which resulted in 6 overdraft fees on my XXXX account for a total of {$140.00}. 
I immediately called Citi to inquire about the check. I had more than enough funds in my Citi account to cover the check. Citi explained that the checkbook should have been " activated '' like a debit card. I have never heard of " activating '' a checkbook and I 've had many bank accounts. Citi did n't honor the check because the checkbook had n't been activated. The checkbook was not activated because the instructions to do so were not clear. The Citi rep immediately transferred me to a  supervisor and agreed to reimburse me for the {$140.00} worth of overdraft protection fees. The rep also agreed to send a same-day wire from my Citi account to my XXXX account and waive the {$25.00} wire fee. The wire fee was indeed waived. To be reimbursed for the overdraft fees of {$140.00}, I was told to fax a copy of my bank statement to Citi. Once they received it, the credit would be applied to my Citi account. I sent a fax on XX/XX/XXXX. A week later, I called Citi to check the status and was told that the case had been closed because the fax had n't been received ( even though I had confirmation that the fax went through ). By this point, I did n't have access to a fax machine, so I visited an office supplies store to pay for the fax. I again received confirmation that the fax was successful. Several days passed with no communication from Citi and I again called customer service. I was told that the fax had n't been received ( again ) and needed to visit a branch. The nearest branch is well over an hour away from me. So, the rep said that she would open another case and track down the fax. Another week passed and I again heard nothing from Citi. My husband called to check the status and was told that although the fax was received, our request for a credit would not be honored because we should 've known to activate the checkbook. I spoke to numerous people and nobody previously told me this. In fact, it was the initial customer service rep who agreed to reimburse me for the {$140.00} fees charged by my other bank, otherwise I would 've pursued reimbursements from my other bank. I followed all instructions provided by Citi and was consistently lied to and given the runaround. Then, after jumping through so many hoops, my request was still denied.

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 05/20/2016 about Debt collection (I do not know) with Clearview Resolution Services (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A XXXX XXXX calls to state they need information on a debt. They will not say who the creditor is. They seem to be trying to fish for personal information. They state they are from Clearview Resolution and are in the Department of Civil Processing. She states her extension is XXXX. They call from number XXXX and want you to call them at XXXX. 

They also have a guy stating his name is XXXX XXXX call ; he states his is from XXXX XXXX XXXX wanting to drop off something that needs to be signed. And refers you back to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 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: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I was attempting to pay online my normal mortgage payment and the mortgage company Ditech Financial LLC which was formerly Greentree XXXX/XXXX/16. It would not accept my online payment. They have forced place insurance onto my account and will not even accept the normal payment I make monthly to meet their deadline for no late charge. I called on XXXX/XXXX/16 XXXX, to speak to a representative and asked to pay the normal amount and their answer was no and they said they spoke to a supervisor, who was unwilling to talk to me. They want me to pay the higher mortgage amount that includes the forced insurance payments. Then they will issue a refund at a later date. I have home insurance already and it can be cleared up by my insurance broker. I can not make the higher payment and when I am able to make the payment it will be late and they said they can not even go back to show that I am not late once everything is cleared up. 
I do n't understand why they can not accept the normal payment, even if a balance is still showing of the difference for the forced place insurance, they are still getting the money towards my mortgage if everything can be cleared with the fax of proof of my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IL).
Issue: Loan modification,collection,foreclosure

Complaint: on or about XXXX/XXXX/2015, i requested that u s bank send me a modification package. 
owr, which I did not receive within 5 days the notification of receiving.nor a respone to my request

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Closing/Cancelling account

Complaint: My corporation dissolved in XXXX of 2013. I had XXXX credit cards that were issued to my corporation - I never signed personal guarantees. After I lost my business, I began receiving bills and collection notices for these XXXX revolving accounts. I asked these creditors to provide proof of my personal responsibility, and not as an XXXX corporation. After many months and years of correspondence, they still have not provided proof. I had my attorney correspond and we still received no evidence of my personal responsibility. I am a veteran and these old collection accounts are affecting my credit which is keeping me from lowering my interest rate with my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hi, I have duplicate credit reports on my report. it increases the number of my open accounts which affects my report. This duplicate loans are for my Students Loans. I 'm still a students and have graduated so my payment wo n't start till i graduate. I have attached a screenshot of all accounts. my student loan servicer is one agency as far as know. it should be XXXX account and not XXXX different account. Thank you so much

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 01-04-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Today, XXXX XXXX XXXX, I went onto Ocwen Loan Servicing website and found that Ocwen failed to report accurately to the credit bureaus once again. I also found that Ocwen failed to update their system to reflect the correct payment information. Enclosed is a credit history letter, payment history sheet, a credit reporting sheet, a credit history sheet from Ocwen Loan Servicing website and a credit report from Experian dated XXXX XXXX XXXX. As you can see on the credit history letter, Ocwen is reflecting a " XXXX '', that there is no payment history for XXXX XXXX. Please refer to the payment history page. As you can see, Ocwen received our XXXX XXXX payment on XXXX XXXX XXXX. Also, Ocwen failed to report for our XXXX XXXX mortgage payment. Please refer back to the payment history sheet. You can see that we paid Ocwen on XXXX XXXX XXXX for XXXX XXXX mortgage payment. Since Ocwen received our payment in XXXX, why did n't Ocwen report for XXXX XXXX in XXXX? Ocwen Loan Servicing has failed to report accurately in the past and is still continuing to violate our rights. Ocwen keeps stating that once a dispute occurs, Ocwen freezes all credit reporting until the matter is closed. If this is true, why did n't they report accurately for XXXX XXXX a couple months later? Why did Ocwen Loan Servicing own website clearly reflect that there was no payment history available for XXXX XXXX when we did pay Ocwen in advance? This issue must be address and investigated to find out if Ocwen Loan Servicing has violated any State or Federal Laws. Ocwen has ignored our requests, to have Ocwen Loan Servicing report accurately each month and to keep XXXX XXXX in the Ocwen Ombudsman Office from providing any responses to anyone, regarding our mortgage loan. XXXX XXXX has failed to answer our questions in the past and failed to provide documentation as we requested. We will continue to file complaints against Ocwen loan servicing until they comply with our requests!

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (MD).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX one of my savings accounts had {$150.00} with no pending items. The one bill I pay from that account comes in about this time, so I transferred {$30.00} from another account In the morning of XX/XX/XXXX. In the afternoon, the {$170.00} payment was debited and Wells Fargo charged me {$35.00} as an overdraft. I have XXXX different accounts at the bank and never have opted in to overdraft on any of my savings accounts, that would make no sense. I called to have it refunded because this is a violation of Regulation E. The rep and her supervisor would not refund the full amount, claiming that savings accounts are not covered for overdrafts that are the result of an electronic payment. I 'm not an attorney, but I respectfully disagree with the bank. At any rate, the savings account could have automatically transferred funds from its linked checking account or any of my other XXXX cash accounts.

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