milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This is the XXXX time that I have contacted XXXX in regards to inaccurate negative information on my credit report. The information being reported is erroneous. First of all XXXX XXXX XXXX is not the original creditor. SLU care is and I sent a letter to XXXX as well as the other XXXX credit bureaus which have removed this information from my report. However XXXX is refusing to do so with documentation presented by the creditor. I have been dealing with this issue since XXXX to no avail. the following information is their response to the dispute after being presented with a letter from the creditor that indicated a 100 % financial assistance for XXXX yr and a XXXX balance on my account with them XXXX XXXX XXXX XXXX : XXXX ... Outcome : Updated Dispute Status XXXX credit report prepared forFAILS, XXXX XXXX report number XXXX date : XXXX XXXX, 2015 Credit Report Toolkit : Credit EducationThis link opens a new browser windowKnow your rightsThis link opens a new browser windowListed below are the current disputes we have received from you. 

Results Due : XXXX Method : XXXX XXXX Items XXXX Number : XXXX ... Outcome : UpdatedPlease note that certain items may not display until later because they required additional processing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing statement

Complaint: In 2010 I rec 'd a letter from Macy 's stating that they had inadvertently matched me with another customer with the same name. Macy 's corrected their records and removed my address from that record. They stated no incorrect information. was reported to the credit reporting agencies, and they would contact 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 02/20/2018 about Mortgage (Other type of mortgage) with Synovus Bank (GA).
Issue: Trouble during payment process

Complaint: Two names were on the title of the property. One of the persons on the title was employed with the loaning company called Synovus. That person received a loan with only that person 's signature ( the above listed person ) and the other person on the title did NOT sign in XX/XX/XXXX. The signee is now going bankrupt ( the only individual that signed for the loan ). There has been no release of the loan off of the property. In XX/XX/XXXX, no title search was done to determine if there was more than one person on the title. No title searches were done on the original loan or either of the renewals. In XX/XX/XXXX she renewed the notes on the property and the bank assigned rent. There is a possibility of repossession of the property against the person whose signature is missing from the loan. Later in XX/XX/XXXX a quick claim to the person whose signature is not on the XX/XX/XXXX loan was filed. The person who borrowed the money filed a quick claim to the other listed person on the title ( who never signed on any of the loans ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was reviewing my XXXX credit report on XX/XX/XXXXand I saw a hard credit pull from CBNA. I  contacted Citibank on XX/XX/XXXX and again today XX/XX/XXXX. Both times I was on hold for over 25 minutes in silence. I eventually ended the call. ReviewING others in similar situation, they advised that I contact CFPB.

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 01/27/2018 about Mortgage (VA mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: I received notice of an escrow shortage from XXXX XXXX. That letter stated that I had the option to pay the shortage outright by XX/XX/XXXX or to accept a payment increase on XX/XX/XXXX which would ( over time ) correct the shortage. I elected to pay the shortage outright and they received my payment on XX/XX/XXXX. Because the escrow shortage was less than the regular payment amount, they placed the funds in suspense. I sent a secured email ( ref ID XXXX ) through their website on XX/XX/XXXX which informed them that the payment was to cover an escrow shortage. On XX/XX/XXXX I checked the account and LoanCare had misapplied the funds ( as loan curtailment ) so I called and was told that my XXXX payment ( for the increased amount ) would not change. I replied I would pay my regular amount and not the increase because I complied with their instructions and they misapplied the funds. There was similar miscommunication relative to escrow shortage when XXXX assumed servicing for my loan in 2015.

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 03/29/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by Portfolio Recovery Associates , LLC about a debt from XXXX XXXX. When I called, they stated the debt was from XXXX. I filed a dispute with the credit reports to verify the information was being reported correctly and that the date of first delinquency was verified from the Original Creditor. This information had not been provided or verified by either party. It is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Auto) with MERCEDES BENZ FINANCIAL SERVICES (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XX/XX/2012 I attempted to make an internet purchase of a Mercedes Benz from XXXX of XXXX MD - terms were agreed to and the car was delivered by a motor carrier designated by the dealership [ enclosed ] Upon delivery I recognized the car was not as represented by the dealership sales people - photos were carefully shown to illustrate the good parts of the car - not the ones in need of attention. I HAD DAY ONE DELIVERY ISSUES. 
Over the months that followed I contacted the dealership and M-B Financial in an attempt to resolve the issues. 
both the dealership and M-B Financial did nothing but give me lip service on why the issues were my problem not theirs. 
After canceling the deposits and refusing to pay for this fraudulent internet car buying experience - I voluntarily turned the car in. Was recognized as a voluntary repossession, where again despite my efforts with M-B Financial to get the XXXX-Repossession OFF my credit history - they would not help me with that either - where my credit has been badly damaged by this bogus and fraudulent internet car buying experience. 
Simply the worst business experience I have ever had.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My auto loan payment was due on XX/XX/XXXX. I missed that due date but ended up making my payment for the months of XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX in the amount of XXXX. I used the link provided on the website when I logged into my GM Financial account, selected payment option for electronic check, and submitted the payment. I received a confirmation from XXXX XXXX XXXX XXXX that my payment had bee submitted. A couple of months later while reviewing my credit reports, I noticed a major drop in my credit score and that the account had been reported as a 30 day late. I initiated a dispute because I believed my payment made it in time. The results of my dispute were not satisfactory to me. I left it alone and refinanced the loan with a different bank. Recently, I initiated the process of trying to obtain a home loan and the lender advised me that my GM account was an issue that needed to be resolved. I reached out to XXXX to request they remove the late and the response was once again negative. I still have the derogatory marks on my credit report stating I 'm late on payments which has decreased my credit score. This has caused me to get credit and loans over the past 2.5 years at higher interest rates than I would have if the information was accurate. I am getting the runaround from GM Financial and no resolution has been given.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Struggling to pay mortgage

Complaint: I have a loan  with DITECH.  I applied for a loan modification  XXXX   XXXX . I was approved for a trial modification in  XXXX   XXXX . I had to comple te four ( 4 ) t rial payments by  XXXX   XXXX . I completed my trial payments in  XXXX   XXXX  bu t DITECH has not sent me anything in writing regarding the approval of my loan modification. I was advised by my account rep to continue to make the trial payments because the modification docs are not " ready '' ; however, I have not received any documents or anything in writing from DITECH assuring me that my modification has been approved. Even though the trial period is over DITECH continues to report negatively to the credit bureau they also continue to do collection calls and I have to keep reminding the DITECH representative that I 'M IN A MODIFICATION PROCESS. But it always seems like no one knows the status of my loan modification, and they refuse to put anything in writing! ... its like they are waiting to send me to foreclosure. Why is it that they do n't have to put anything in writing during this process? I 'm just trying to keep my home but it seems like my lender has no interest in helping me do that. Please let me know what I can do to get something in writing from DITECH regarding my modification status

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 03-04-2017 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Balance transfer

Complaint: Around XX/XX/XXXX I accepted a credit card offer from my Chase AARP card at a 0 % interest for a year with a 2 % transfer fee. Needing the money, I called Chase and asked them to deposit XXXX into my checking account and, shortly there after, they did so. Now, they are wanting the XXXX. back from my checking account. They say it was their error but they should n't have deposited the money because that checking account has n't been used to pay a Chase fee within 3 months, so could n't be approved for the transfer.. I had XXXX balances so there was no need to make a payment. They made this decision after they deposited the money into my account.They say they will pay the bank fees but where am I supposed to get the XXXX?. I do not have all of the XXXX left and what is there is allocated for checks and payments that have not cleared yet. I accepted their offer and borrowed this money in good faith and have spent many hours on the phone with various Chase reps and am that the account is active, has XXXX available credit, but they can not assign the money already borrowed to that account because it was n't used for 3 months. Surely they can lift the rule to cover their error, but they wo n't. The woman, who said she was a manager, gave me the fax number of Chase Executive Offices as my only recourse. So, I am contacting you. This is an AARP card, available only to XXXX. They are causing havoc in my life and do not care at all. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone has been using my credit or SSN since XX/XX/XXXX, in XX/XX/XXXX I was XXXX-XXXX years old and in XXXX school in XXXX, on my report it states have a XXXX car loan in XXXX from that same year??? Things like this should be investigated more since i was not even of age why is it reporting? another example is a home mortgage i have from XX/XX/XXXX that is also reporting for a house that does not even exisit, this is just XXXX of the many incorrect information being reported by the agencies along with bank accounts, payday loans, and medical bills all in my name most from before i was even 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 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report with experian has several accounts for southern ct gas which has XXXX balances, XXXX with account number beginning with XXXX and the other beginning with XXXX which should have been deleted off my account. I should only have XXXX bill on my credit file and that is the one with account number starting with XXXX which is current. I am not sure why the other XXXX have n't been deleted as of yet.

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 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has been calculating my interest wrong on my student loan. The initial capitalization of my interest was wrong. Then, wrong several other times between stages of repayment. I have paid over {$2000.00} on a {$3000.00} loan that has not moved at all. I 've been reviewing my payments and things do not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: I have an account opened in my name at Wells Fargo and I never held an account there.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been on the phone with XXXX XXXX countless times this was all settled I do not owe them {$560.00} and the account is closed. 

I am unsure as to why it still says open or why they feel I owe them anything. I was told by there customer service they would let XXXX and XXXX know the account was settled and months later nothing has been done. 

We had came to a settlement which they already know. Hopefully this honest error on there part can be fixed thank you. Any questions call me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Federal student loan) with Account Control Technology, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am not the person who has the debt. But they are in close relation to me, they 're my partner. However I had no knowledge of of them having any time sensitive issue as was stated to me. And it would have been better for them to inform me themselves as opposed to a company calling me, and my family members who are in no way related to anything concerning the matter. There were questions asked about my partners place of residence, there were questions ask about their contact info etc. and any legitimate company would at least provide some sort of ground based information as to how paramount the case at hand is. The company persists to harass us, on no basis in relation to the matter at hand. Name of company in question is Account Control based out of XXXX California. XXXX of the callback numbers associated with them are,XXXX and XXXX with an extension listed as 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 11-05-2015 about Other financial service (Debt settlement) with GLOBAL CLIENT SOLUTIONS, LLC (IL).
Issue: Excessive fees

Complaint: I signed up with the XXXX law Group in XX/XX/XXXX 2012. I was promised that they would have me debt free in 42 months. Although they did settle a bunch of my accounts, they did not settle everything, and I was forced to open a Global Client Solutions account and allow them to make monthly withdrawals. When I looked at my balances, it was obvious that I was paying way more in fees to GCS and XXXX than to my creditors. I paid in a total of {$25000.00} and about {$12000.00} was retained by GCS XXXX as fees. I think this is illegal. When I complained to GCS about the fees they insisted that XXXX was taking the fees, not them. I am not getting a straight answer out of anyone. They were supposed to only take 15 % of the money they saved me, but they took almost 50 % of the monies I paid in. 

I am unable to upload my supporting documentation but if you will email me a direct email address I will forward the correspondence to you. They made all kinds of bogus claims that I added new accounts, etc., which I never did. Also GCS is denying any responsibility for the fees charged and pitched me back XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting inaccurate information on XXXX collection accounts ; XXXX account # XXXX and XXXX. They are showing as if they are new collections and they are not. This is affecting my credit scores negatively. Account XXXX was last paid on XX/XX/XXXX. Account XXXX was last paid on XX/XX/XXXX. These errors need to be corrected immediately or the accounts deleted off my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Auto) with NCB MANAGEMENT SERVICES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have been constantly harassed over the phone after I asked not to contact me in Reference the debt, I asked him to verify the debt because I do n't owe NCB the collection agency anything, they have reported the last payment date is incorrect the amount I owed the debt is incorrect, the company they representing I never owed that company, I did n't give them authority to report this inaccurate info to the credit Bureaus. please verify my debt, please verify date last payment made, and the correct amount owed. also I did n't miss any payments on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX Husband & Wife We have done a refiance on our home to lower our interest rate through XXXX mortgage but we can not get the loan closed because on XXXX XXXX, 2007 we took out a second mortgage through Green Tree mortgage in the amount of {$55000.00} and on XXXX XXXX, 2007 this mortgage was recorded twice in the same day showing two mortgage instead of XXXX XXXX mortgage and my wife and I have contacted green tree to have this done and all we are getting is the run around every thing that they have asked us to do paper work wise we have done but no one will get back to us we have left messages and still no response from Green Tree so any help that you give us will be appreciated I am living on a fix income and need the help also I am XXXX and trying to get my affairs in order so my wife will not have to suffer when I am gone. I have had XXXX I do not know what green tree reason for doing us like this but it is not right they are the one who recorded these two loans. 

Thank you XXXX XXXX XXXX XXXX Ps. Greentree account # is XXXX and my contact # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX is reporting negative and inaccurate information about my mortgage account like : ( late payments, short payments ) This information has negatively impacted by credit score and credibility. This is not the first time XXXX XXXX XXXX has reported inaccurate information, back in 2014 I had to dispute with all XXXX major credit BUREAU 'S because XXXX reported my mortgage loan as a foreclosure. This inaccurate information caused me to get denied credit from XXXX XXXX in desperate times.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I originally thought the debt owed was my adult sons bill. After further review this debt the company is trying to collect has been paid in full. This bill was paid on the day the services was rendered. I paid {$300.00} my deductible at the time. Also the company has invalid date of service on the bill. The service date is XXXX XXXX 2016. Also the company name is different from where I received my service. I received services from XXXX XXXX XXXX XXXX not XXXX XXXX XXXX. All are most of the third party that trying to collect the debt information is incorrect. I will attach receipt of payment. This was pai with my XXXX XXXX  Card.

Company response to consumer: Closed with explanation