milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have public records reporting on my credit report that are due to identity theft and I would like to them be finally be removed and blocked permanently from my file. I have attached an updated copy of my FTC fraud identity theft affidavit which lists the fraudulent public records and it is signed and notarized by my local law enforcement and the court. i also have a letter from the United States Government showing proof my identity was stolen along with my fingerprints and my social security number and all of my personal information for someone to act as me and file taxes and other things under my name illegally they say it was part of a cyber hack. Please read over it carefully to fully understand my misfortunes and the current hardship this disaster has caused me. I 'm currently trying to get a mortgage for my family and I ca n't with these fraudulent public records on my file so please remove these immediately upon receipt of this complaint

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 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I applied for credit line increase on my VISA card ending XXXX. Request was denied on XXXX XXXX, 2017 simply because I did not yet make 12 monthly payments ( not related to my credit ). However, needlessly Cardmember Services afterwards on XXXX XXXX, 2017 made a hard inquiry against my credit and even advised " ... the consumer reporting agency played no part in our credit decision ... '' This was improper and clearly needless hard inquiry that did not play any role in creditor making decision which was already made for other reason.

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 08-10-2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (NC).
Issue: Trouble during payment process

Complaint: I had a chapter XXXX bankruptcy all arreage payments were made and current payments to the lender and were credited and current, during this time the bank was charging us extra fees. We made our current payments after we opted to transfer to a chapter XXXX to clear our other debt. The lender accepted these payments then sent our XX/XX/XXXX payment back and put a forclosure sale date on our home even though we were current. The bank will not speak with us we have been trying to communicate since XX/XX/XXXX when we found this out. We have the banks attorney and our attorney trying to get this straightened out. We have received 5 diffrent payoff requests from the lender that do not even match our balance, once again they will not communicate with me or my attorney. We have all documentation of payments made through our bankruptcy and my current payments that were accepted.They have now returned XX/XX/XXXX payment and have said we have not made payments since XXXX XXXX that were made through bankruptcy. Our reinstatement was paid in XX/XX/XXXX the court paid XX/XX/XXXX and XX/XX/XXXX payments we paid XX/XX/XXXX and XX/XX/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 10-03-2017 about Debt collection (Other debt) with U.S. BANCORP (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My father received a call from a " XXXX XXXX '', he returned the call at XXXX XXXX XXXX XXXX and spoke with a " XXXX XXXX '' about a debt I apparently owed. I called and was informed the company was " XXXX. XXXX '' or " XXXX Services '' in Nevada. I spoke to " XXXX '' who referenced my social security number and an old account number at U.S. Bank. including dates that the account was open ( XXXX which seems correct XXXX, closed and when it was sold to collections ( XXXX ). This is the first I have ever heard of any collection issue with the account. He informed that it 'd be reported to XXXX XXXX who would freeze all my checking accounts. I later spoke with a friend at U.S. Bank who did not even show the account as charged off. I also looked up to WA state statute of limitations. When I called " XXXX '' back to inform him that even if the debt did exist it would be time-barred given the state law, he threatened to take it to court.

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 02-07-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I made a truck payment in the amount of XXXX on XX/XX/2018 and looked on my account and only XXXX was applied to the account. I can't get them to even acknowledge this much less fix it. I have proof in my bank account that the XXXX was taken from my account as I did this electronically. 
The company is Wells Fargo Dealer Services.

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 01/28/2017 about Debt collection (I do not know) with Progressive Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I just started phone service with XXXX XXXX and this is the telephone that was assigned to me. I informed Progressive Financial Services that this was a new number to me and to please stop calling because I am not the person that they are looking for. They still have n't stopped calling. 
Their number is 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 06/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I recently refianced my mortgage from Ditech ( my prior lender ) to another lender on XXXX/XXXX/2016. As of XXXX/XXXX/2016, Ditech has refused to refund my escrow. They state that they will not release my escrow until XXXX/XXXX/2016. 

Ditech states that their records show a check was mailed on XXXX/XXXX/2016. However, no check was ever recieved. I have reported this to Ditech on several occasions. While they have acknowledged my escrow payment was likely " lost in the mail, '' they refuse to send a " new '' check unless I report the check unreceived on or after XXXX/XXXX/2016. 

Ditech has provided no support that the check was actually mailed, and this process appears to be nothing more than an attempt by Ditech to extend the legal requirement that my escrow be returned within 20 working days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/19/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was placed into Collections for an ER visit on XX/XX/2016. I  did not visit any Emergency room on that date. The company that bought the debt did it for their gain maliciously. For the record I have a primary insurance and a secondary insurance and I never have any co-pays so there will not be any reason why I will have a medical bill that is outstanding this debt is bogus. I want your company to cease all further contact with me. If you have any questions or comments I will gladly give you the phone number to my attorney. I want the CFPB to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received financing from Tower Loan to purchase a mattress in XX/XX/XXXX. Unfortunately, I had to file for bankruptcy in XX/XX/XXXX. Tower Loan violated the stay when their Regional Manager, XXXX, wanted payment on the account in XX/XX/XXXX and then belittled me for not being able to pay " such a small amount. '' I also filed a dispute regarding the account being listed with a balance and the account was updated to accurately reflect that it had been included in the bankruptcy. The bankruptcy was discharged on XX/XX/XXXX.  I have scheduled 3 attempts with Tower Loan for them to pick up the mattress. The first time was XX/XX/XXXX after the branch manager XXXX, called my work wanting payment for the discharged debt and I declined. He then called me again later that evening wanting payment for the discharged debts and when I continued to decline, we agreed to have the items picked up after XXXX on XX/XX/XXXX. No one came. XX/XX/XXXX, XXXX from Tower Loan called stating that the person who was to have picked up the items on the XX/XX/XXXX had hurt their leg and was unable to do so and we set up another time, XX/XX/XXXX after XXXX. Again, no one showed. XX/XX/XXXX they called my bankruptcy attorney making false claims that I was attempting to hide the property and that they had never set up any previous dates with me to obtain the recliner and mattress. I explained to my attorney these calls between Tower Loan and myself were recorded, therefor, I had proof these days and times were previously arranged with them and who then told them they had one last attempt to pick up the items and that was set up to be XX/XX/XXXX at XXXX. XXXX XXXX XXXX arrived on time on the XX/XX/XXXX and got the recliner that was purchased on another account included in the bankruptcy, but when I informed them they also needed to get the mattress stated that Tower Loan had not advised them to get it and they would not be taking it. They had me sign that they had picked up the recliner and I made a copy for myself which clearly stated 1 # to be picked up and returned to Tower Loan and listed the recliner and it 's serial number. Today, not only did Tower Loan call to harass me again over an item I have made 3 attempts for them to pick up, but they also placed the account back on my credit report showing a balance, that it 's past due, which it was n't when the bankruptcy was filed and that it is open. This violates Federal Bankruptcy Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On X/XX/2017 I contacted the Transunion credit bureau, about some inquires on my credit report that I did not authorize. They would not help me, they gave me the run around, and would not give me any solution to these unauthorized inquires.

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 12-09-2017 about Debt collection (Medical debt) with Experian Information Solutions Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: ILLEGALLY REPORTING DEBT THAT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY. THIS DEBT IS DISCHARGED AS OF XXXX/XXXX/XXXX AND CAN NOT BE COLLECTED UPON OR REPORTED AS DEBT. WILL SEEK LEGAL ACTION IF NOT STOPPED

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 08/23/2016 about Debt collection (I do not know) with PINNACLE RECOVERY, INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving multiple phone calls every week for the past few months for a different individual that I have told multiple representatives from the debt collection company that I am not the person that owes the debt and they have the wrong number.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion refuses to remove the XXXX XXXX account despite both XXXX and XXXX doing so. I have provided proof that the creditor has requested it removed via the cfpb. Further they will not send my full file disclosure nor will they block the unauthorized inquiries or XXXX. I have sent them multiple disputes to no avail

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (DE).
Issue: Account opening, closing, or management

Complaint: M & T bank is profiteering and gouging its customers by charging fees for basic industry standard services that are available elsewhere for free. The current industry standard way to connect XXXX software running on a customer computer to a bank 's system is via XXXX XXXX. This is replacing the old XXXX method. All the other banks have changed over to this method and is offering this industry standard method of connection for free, except M & T who wants to charge $ XXXX/ month to use this industry standard method of connecting and downloading my banking transactions with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is another medical debt that was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XXXX of 2015 along with XXXX other debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Credit card () with DISCOVER BANK (AR).
Issue: Other

Complaint: I opened an credit card account with Discover Card in 2004 and had about {$7000.00} in debt when I quit using the card and it was being paid from my checking account automatically. I assumed the debt balance was being paid down slowly but I discovered it was growing and the interest was increasing to about 27 %. I now owe {$20000.00}. I contacted them and asked for a settlement and they refused. They said as long as I was paying monthly they would continue to collect but if I quit paying they would sue for the entire amount plus costs. I realize my fault was not paying attention but I do n't feel I owe for debt I did n't make.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i have told them they are not reporting and keeping up with my information. they are hanging onto things that are so old and also while i was married and have been divorced for over 3 years. i have worked very hard to improve my credit rating but it doesnt go up it keeps going down which i do not understand. i have complained but its not working and i want them to delete things that are so old should be gone and to update my credit rating as i should have really better credit now

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (FHA mortgage) with State Home Mortgage (GA).
Issue: Loan modification,collection,foreclosure

Complaint: The Servicer foreclosed on my home in spite of the Rescission that was done in XX/XX/XXXX, they said I owed money, I sent an XXXX, and they foreclosed in XX/XX/XXXX despite the Rescission of the loan, and they tried to send me {$22000.00} afterwards to Acknowledge, Waiver and Release Agreement for them so they wo n't have to answer for the injustice that they have created for myself and my family members. The Property Address is XXXX XXXX XXXX, XXXX, Georgia, XXXX. The Rescission was a United States Supreme Court Decision XXXX XXXX XXXX Mortgage that stated all that the consumer had to do was send a notice of Rescission and that was done by certified mail as you can see on the attachment. But according to XXXX the XXXX days passed and the SERVICER/ATTORNEY IGNORED the correspondence which was sent certified return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with The Hamilton Law Association (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hamilton Law Firm continues to call me multiple times a week coneeding an installment loan ( online ) I informed them this was a result of identity theft and they stated they were going to take me court. They called back today even though I spoke with them yesterday and stated the same thing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Auto debt) with National Commercial Services, Inc (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: National Commercial Services is constantly calling my phone about a debt that I am not legally responsible for. They making  me crazy by calling my phone every hour. They are also sending letters to my fathers house, who has nothing to do with the debt. They are to pretending to be the Department of safety and claiming that they are going to suspend my license. Please help.  National Commercial Services is driving me  insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Frederick J Hanna and Associates has filed a lawsuit in conjunction with XXXX XXXX to collect on a debt that they are unable to substantiate. They are attempting to collect almost double the amount that the original creditor specified. Furthermore, they have not submitted any business records related to this account. They are relying on third party affidavits and a general bill of sale with no identifying information. These are tactics that the Hanna firm was recently cited for by the CFPB. It seems to be business as usual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX I ported my cellular telephone numbers to XXXX from XXXX. After I ported my numbers over my account should have been closed as I have done this in the past and my accounts had been closed. 

XXXX did not close my account, they continued billing me for additional months of service before I realized they did not close my account until I received a bill showing a very high amount owed. 

I called XXXX and disputed that I had an active account, and explained to customer service that when I transferred my phone numbers to XXXX my account with XXXX was supposed to be cancelled and I was supposed to receive I final bill which would have been for about a week of phone service. 

The customer service reps would not help and told me I had to call them to cancel service, which seems fraudulent. 

I tried to dispute the amount and asked XXXX to adjust the bill to properly reflect when my account was cancelled. They refused and said I had to pay for additional months of service when I did not have phone service. 

I then requested that a manager contact me so I could discuss with the manager further, the manager never contacted me. Instead they sent it to a collection agency that I believe was named XXXX. 

I disputed this debt with XXXX and explained the reasoning. 

As of XX/XX/XXXX I received a collection letter from a different collection agency named ERC, address of XXXX, FL XXXX The new agency did not review my past dispute of the debt to correct the issues, It is believed XXXX did not review my dispute and instead sent the debt which is not valid to another collection agency. 

The reference Number that ERC gives me for the debt is 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 07/24/2016 about Credit card () with CITIBANK, N.A. (CT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a XXXX Citibank Visa card that keeps getting rejected. My account is now blocked and I ca n't view my on-line statement. So I called up Citibank to cancel my card, and they informed me that I 'd need to wait of awhile ( " they are experiencing long wait times '' ) to get my account cancelled. This seems unreasonable, since I feel that I should be able to cancel my card without having to wait a long time ( last time I needed to wait 12 mins, and the time before was 20 mins before I eventually gave up ). Anything less seems like fraud. I asked the representative to provide me the name of the regulator of Citibank Credit Cards - she could not. I asked to be referred to a manager, and was referred to a " senior account supervisor '' who also could not provide me with the name of their regulator. And he said he did n't really understand the question. So I did a 5 second search on-line, came up with the name of the CFPB, and informed him that I had the information I required.

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