milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2016 about Mortgage (Other mortgage) with STONEGATE MORTGAGE CORPORATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: STONEGATE MORTGAGE CHARGED ME PROPERTY TAX AND HOME OWNERS INSURANCE FOR THE YEAR XXXX, HOME WAS BOUGHT IN XXXX XXXX, ALL THESES FEE 'S WERE PAID AT CLOSING IN XXXX, XXXX XXXX XXXX. THEY CHARGED ME HOME OWNERS INSURANCE FEE 'S OF XXXX. WHICH WAS NOT DUE XXXX, I WAS ALSO CHARGED IN XXXX, WHEN THE POLICY RENEWED IN XXXX XXXX, ON XXXX XXXX I WAS CHARGED XXXX. FOR PROPERTY TAX, WHICH MY TAX BILL DID NOT COME OUT UNTIL XXXX XXXX. WHICH I ALSO PAID AGAIN IN XXXX. THEY RAISED OUR ESCROW ACCOUNT EVERY YEAR WE HAD THE LOAN, THIS YEAR IT WAS RAISED XXXX a month. a total of XXXX a month. THERE IS ONLY XXXX TAX BILLS ON THIS HOME, FROM XXXX, XXXX, XXXX XXXX THEY DEDUCTED FROM ESCROW ACCOUNT THE PAYMENT FOR TAX 'S. XXXX OFFICE SHOWS PAYMENT MADE XXXX XXXX XXXX. EVERY MONTH OUR ESCROW ACCOUNT GOES UP AND DOWN. WE HAVE A USDA LOAN FEE DUE ONCE A YEAR. {$440.00} I HAVE ALL DOCUMENTS TO VERIFY MY ACCOUNTS, ALL STATEMENTS FROM THE BEGINNING OF THE LOAN TO CURRENT. OUR CLOSING PAY OFF IS CHARGED XXXX OVER THE PAY OFF BALANCE. THEY ARE REQUESTING MONEY GO TO OUR ESCROW ACCOUNT, FOR WHAT. WHEN WE SELL THE HOME, WE PAY OUR TAX 'S FOR THE YEAR AT CLOSING. THEY SAID THEY ARE CHARGING ESCROW FUNDS TO GO FOR TAX 'S IN XXXX. I JUST WANT MY MONEY BACK. I HAVE ARGUED WITH THEM FOR OVER A YEAR. BUT I CAN NOT GET ANY WHERE, PULL UP XXXX XXXX TAX COLLECTOR. PUT IN MY NAME XXXX XXXX. SEE HOW MANY TAX BILLS THERE ARE FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!! AND I WAS CHARGED FOR XXXX, THAT EXPLAINS WHY EVERY YEAR I WAS COMING UP SHORT. THEY HAVE HELD PAYMENTS FOR LATE CHARGES, I WAS ONLY LATE A FEE TIMES, WHEN I WAS I MAILED PAYMENTS OF XXXX FOR THE LATE FEE, I HAVE STATEMENTS HERE WHERE THEY BILLED ME, FROM XXXX TO XXXX FOR LATE FEE 'S. I JUST WONDER HOW MANY MORE PEOPLE HAVE BEEN THREW THE SAME THING. I ONLY HOPE IT IS ALL CORRECTED AND I GET MY MONEY BACK.. THANK YOU FOR YOUR HELP XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On  XXXX   XXXX   XXXX  i  sent a debt validation letter to santander consumer and they have not responded to my letter that they signed and received on  XXXX   XXXX    XXXX   i ask that the remove this debt from reporting on all  XXXX  crefit bureaus or send me validation which are my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2017 about Debt collection (Other debt) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Optimum Outcome XXXX robot calls cell phone frequently. The message does not state the business they are collecting debt for or how to submit a payment. 

FDCPA AND TCPA ACTS guidelines state debt collectors to must identify business debt is owed to, amount of debt, how to pay debt. 

A business was owed debt and my account was credited in XXXX. The business stopped the harassing letters in the mail but Optimum Outcome keeps calling cell phone frequently. 

The business who has credited my account has been contacted VIA many EMAILS to stop Optimum Outcome robot phone calls to my cell phone number. 

Record all calls from XXXX on cell phone for records so legal action against Optimum Outcome is an option. 

Optimum Outcome does not provide an address of their place of business. I am sending a cease and desist all calls to my cell phone letter to this address which was online. 

Optimum Outcomes , Inc . 
XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Credit card debt) with Radius Global Solutions LLC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a  XXXX  credit card through   XXXX   XXXX  . I was behind on payments and they sent it to  Central Credit Services LLC for  collection. I called them on  XXXX   XXXX    XXXX   and made payment arrangements to pay off the balance of  XXXX  I arranged post dated payments which were made by direct debit of my checking account. I was given the impression that this would pay off the balance and that would be the end of it. I received my next statement and the balance was almost the same and I saw a late charge had been added which was more than my payment. I called central credit back for an explanation. they explained that the charges were added into the 6 month payment plan. I finished the payment plan and now  XXXX  is calling me for the remaining balance of  XXXX . They show no record of payment arrangements.No one can give me a copy of what I was told over the phone. I feel I have been scammed by Central Credit and  XXXX  I have other  XXXX  accounts and none of them have done this or offered to.

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Dear XXXX, Transunion And XXXX, XXXX, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX XXXX XXXXThis is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXXHOW DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXX LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


XXXX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding XXXX to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back 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 11-03-2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (NY).
Issue: Trouble during payment process

Complaint: I have received a response from XXXX XXXX on behalf of Selene Finance dated XXXX XXXX, XXXX stating that they are not able to respond to the complaint with furthermore reference of, yet another company, XXXX, who initiated collections on the account. 

Upon communications and multiple open complaints lodged against XXXX XXXX XXXX, XXXX has failed to provide a subsequent response as of XXXX XXXX, XXXX. 

Furthermore, XXXX XXXX XXXX XXXX has stated that they required an extension of 60 days to respond. The extension has expired. XXXX failed to respond as of XXXX XXXX, XXXX despite of the fact that the necessary documentation was submitted. 

If Selene Finance has become an official representation of XXXX XXXX  XXXX, they have to reference any and all open complaints and documentation and provide an immediate response. 

Additionally, Selene Finance is to specify their relationship and affiliation to XXXX XXXX XXXX as to which they referenced in their response Paragraph 3 line 2.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I 'm an independent contractor, a US citizen living in the US. I opened a Capital One 360 checking account on XXXX XXXX, XXXX. I deposited {$50.00} through XXXXl from another account then received payment from a company for contracted services through wire transfer, The company is based in XXXX. The name of the company is XXXX. XXXX XXXX XXXX they are a legitimate company that I have known for years. They sent 2 payments through wire transfer. The payments both cleared. The last one was sent XXXX XXXX, XXXX. Because I liked the service I had receive I had my daughter set up an account with them. I then sent her money to help her with rent and food. Then yesterday XXXX XXXX, XXXX I noticed the money I had sent her was back in my account. I called Capital One to find out why. They said they were unable to help me and transferred me to their security team. The security team said due to an internal audit that they are closing my account and due to security reasons they can not tell me why. They said the only way to get the money in my account was to have the originator of the funds to request it back. My daughters account is now over-drafted and I had to make a very embarrassing call to the company I 'm doing work for. The company does not know how to get the money because it 's a cleared wire transfer. I 've tried to call Capital One back and I only get customer service reps that ca n't help me and transfer me to an answering machine where I have left several messages and no one calls me back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: The collection account ( XXXX XXXX XXXX XXXX XXXX ) has been disputed on many occasions due to negligence of a property managment and mishandling of personal information by the company in the time of stay the lease was legally terminated with all cost expunged. I have continued to dispute this error to get it removed from my credit file but it has been to no avail. I need this issue to be resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: each of the XXXX companies has docked me because of a first mortgage omission. 

well, guess what? I do n't have a mortgage

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 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I began credit in XXXX. I had been living in XXXX, pa, for about two years then. People began using my personal information without my consent. In XXXX i was a victim of identity theft and did everything in my power to fix the issue at hand. I was sent a letter from my bank in XXXX that I have no credit or delinquent credit, like if I 'm not even in the map.I

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 08/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: When i got married, i was with XXXX, and my soon to be husband was with XXXX. I was planning to switch to his plan, so i called XXXX to see when my contract was up, to which they replied " Your contract has been up for several weeks. we 've just put you on a month to month plan. '' So, in XXXX of 2012, i switched to XXXX. I paid my final full bill with XXXX and started paying for XXXX. Now i owe XXXX {$180.00}? After paying my last bill in full, and not having a cancellation fee? I feel as though i am being very wrongfully charged.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Equifax was aware of their security beach in XX/XX/XXXX. It is now XX/XX/XXXX and they only just made people aware of it. I was personally compromised in their data breach. It is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello, I believe I am one of the affected people from the security breach that happened with Equifax that happened XXXX 2017 as I have discovered from their website, https : //www.equifaxsecurity2017.com/ Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I subscribe to Experian and on XXXX I received an email from them notifying me that my credit score had decreased to XXXX from XXXX or XXXX points. The agent I spoke with said it was for high revolving credit usage. I saw this on my credit report and it concerns me. My XXXX credit card record shows that this account is paid in full every month and that I have never had to pay any interest on this account. They have this information since they do keep a credit file on me. My bill was due on the XXXX of XXXX for about {$500.00} but I paid the complete balance of {$730.00} earlier on XXXX which is what I do every month. 
Since they have the information of my payment history with this one and only credit card account that I have why would they be so quick to use a term such as high revolving credit usage to drop my score XXXX points? They do n't react as fast to raise a score. Since their credit scoring formulas assume so much in determining scores why would they not assume that I am going to pay in full on or before the due date as I always have in the past. XXXX assumes this because they have raised my credit limit on this card from {$500.00} to {$2500.00} in just the last few months. I want my score left alone when there is really no activity deeming my score be decreased. I think they should be fined when they make this kind of stupid unwarranted decision.

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 06/16/2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In  XXXX  I was shopping wh en my   XXXX   XXXX   debit card was declined. I reviewed my account on line and identified several transactions which were not mine. I notified   XXXX   XXXX   i mmediately, the card was cancelled ( and a new card issued ) and I was assured I would not be liable for the charges put through.    XXXX  of the charges were associated with   XXXX   transactions. I do not have ( nor ever  had )  a   XXXX    account.  <P/> Today (  XXXX / XXXX / 17  ) I received a debt collection notice fro m Transworld Systems , Inc. I hav e never received a bill or any prior notice. Demanding payment for the  XXXX  individual charges of {$13.00} each plus fees for a total of {$44.00}.  <P/> I dispute this debt. I did not use  XXXX , have never had a  XXXX  account and am unwilling to pay for charges generated by a criminal who obviously hacked my card.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Services constantly calls me at all hours claiming I have a debt from 12 years ago that I never had ( and would be past the statute of limitations even if I did ). They spoof numbers so it 's always different on the caller ID. I 've sent XXXX cease letters certified mail to them, and they ignore them both. They use vulgar language and threats every time they call. This has been going on for over a year, my next step is to sue them as others have ( which would include {$1500.00} for every call they make to me ). They ca n't even tell me what the so called debt is from!

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (MD).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On Monday, XXXX XXXX XXXX, I tried to get a passcode from M & T Bank, to access information about my bank accounts, instead of having to provide the first 5 digits of my Social Security number. I did this on the advice of the local police department, which advised citizens to take this action in light of the XXXX hack. I spent hours on the phone and even visited a local branch of my bank. I was given wrong or contradictory information on the phone and in the bank and was kept waiting on the phone and in the bank for inordinate amounts of time. I never was able to register my concerns about bank security or get a passcode. 
On Wednesday, XXXX XXXX, I phoned my Congress member 's local office to ask for their help. They tried to contact the appropriate department of M & T Bank but were also given a run-around. I 'm very concerned that an identity thief could easily gain access to my account information via the bank 's automated customer service on the phone, and the bank appears to be completely unconcerned about this big hole in its security system. M & T Bank should stop using social security numbers as identifiers and provide any customer that asks for one with a passcode. It 's also frustrating that the bank systematically conceals contact information from its customers, making itself inaccessible and unaccountable. It 's impossible to find relevant phone numbers for its security office on its website or from phone customer-service personnel. Because of the XXXX hack, the bank should take action to correct these problems as soon as possible.

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 11-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have written several letters to the creditor ; XXXX and to TransUnion disputing the validity of the information that I found on my credit report. The first dispute letter was sent on XXXX XXXX disputing the claim. They received the letter on XXXX XXXX, 2016. At that time I asked for validation of the claim, some form of contract or signature bearing my name. Their response was that they had verified the claim with the creditor. But they failed to supply any written documentation or explanation who they spoke with and what means were used for validation. I sent a follow-up letter on XXXX XXXX, 2016 asking them to provide me with the name, address and phone number of the person ( s ) that they contacted at XXXX XXXX and gave them 15 days to respond. They have yet to send me anything. 
I have also sent letters to XXXX requesting the same information and they have failed to even respond. 
This clearly indicates that TransUnion could have not validated the information and is clearly not in compliance with the credit laws. XXXX and XXXX have both sent letters admitting that they could not verify and have deleted the information from my credit 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