milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Closing/Cancelling account

Complaint: I want my credit card canceled. Ive called them twice to do just this, and they tell me that theyd cancel it and send me notification or proof of doing so, but I havent received anything confirming the cancelation. Instead, I receive product promotions from the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: A data breach of Equifax resulted in the disclosure of my highly sensitive personal information entrusted to Equifax. Equifax was negligent in their storage of my data and is responsible for its protection. They have made no attempt, to my knowledge, to contact me, and evidence suggests that they were aware of the data disclosure for months yet did nothing about it to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am forced to reach out to you for assistance as a last resort. It 's been well over 3 years ago that I closed my short sale successfully and " cleared '' my debt with Bank of America ( loan # s : XXXX & XXXX ), But for some reason I am still being harrassed by debt collectors from XXXX ( # XXXX ) trying to collect on a debt that was settled on the shortsale transaction with Bank of America ( # XXXX ) on XXXX/XXXX/2012. 
They are also falsely reporting this debt to the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I 'm writing because I have paid this debt, and it is still showing on my credit report. They wrote the letter that said payment was received and it was paid in full. Payment was received on XXXX /XXXX /2016. Why is it still showing on my credit report please remove it thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: U.S. Bankruptcy Court Date Filed XX/XX/2011 Chapter XXXX bankruptcy discharged Reference 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 09/21/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: I requested a payoff only to find that it is {$16000.00} though the car sold for $ {$23000.00} and I put {$8000.00} cash and have payed XXXX payments at {$52000.00}. I wastold that XXXX held most of the {$8000.00} and because I make a great deal of payments early before my due date most of it goes toward interest opposed to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 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: Information belongs to someone else

Complaint: According to XXXX, Equifax and XXXX my report publish information should be removed. Inquiries on my Equifax report by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries were not authorized by me. A  collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgagor has asked for and received excessive amount for escrow of property taxes. The current escrow balance is over {$36000.00}. The property taxes for the year would be around {$10000.00}. We have called several times and asked for refunds. The current required monthly escrow being demanded for taxes is over {$2000.00} a month, which needs to be adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CO).
Issue: Application, originator, mortgage broker

Complaint: We purchased a home using PRMG ( XXXX XXXX ) as our lender on XXXX/XXXX/2016. After going through the pre-approval process, XXXX would not return our phone calls and emails until the day after the presidential election. We made several attempts to contact her to make sure our interest rate was locked and our loan documentation was squared away for close. We did not hear back until the morning after the election, and we were informed we did not qualify for the initial loan program we were pre-approved for due to our income levels ( which the lender was aware of before we were even pre-approved ). After finding all of this out, we were beyond our loan objection deadline and had no way to get out of purchasing our home. XXXX informed us that all we could do was lock in at the current rate and that we would be limited to a maximum credit towards closing costs of $ XXXX, which was minuscule in terms of total closing costs and the extreme lack of negligence and fiduciary duty we observed from PRMG. We made attempts to speak with PRMG management, and the individual who spoke with us, XXXX XXXX, told us the loan they could offer us with the correlating $ XXXX credit towards closing costs was limited due to RESPA regulations. My husband and I consulted with another lender on this day to understand what we were being told by PRMG and found out this was completely false. The other lender showed us the pricing grids for the day we had locked in our interest rate, which indicated we should have received a credit towards closing costs of $ XXXX versus the $ XXXX XXXX and XXXX told us was the maximum they could pass along to us. As we were past our loan objection deadline and a week out from closing, we had no choice but proceed with the loan because no other lending company could close us in time for when we had to move, and we had already subleased our current apartment. PRMG took advantage of us by avoiding processing our paperwork until after the election to profit from higher interest rates and further penalized us by not passing on the credit we were allowed based on industry pricing for the interest rate we received. The PRMG associates we worked with directly lied to us and negligently penalized us knowing we were stuck with our living situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (ME).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: The Debtor has an account on my credit report, I have disputed the debt with all 3 credit bureaus and they have failed to fully investigate. I recently received a letter from Debtor stating the everything is correct, but it is not. A judgment was made without my knowledge by a court or my permission, and I was not summond or notified, Nor did I sign or give this Debtor any permission at all to obtain any of my personal information. According to Fair Credit Act Law, a case has to be filed in the state where you reside, or, where you signed contract. while filing disputes with all 3 credit bureaus the Debtor has not provided my signature in wet ink which I asked for, for proof of debt or proof of permission to have in their possession my personal information. If it is on my credit report, they must provide proof of contract in wet ink, signed by me, and also proof I have givin them permission in wet ink, to obtain my personal information. They have not provided any documentation, which by federal law is fraud, for them having possession of my personal information, and making false, fraudulant, statements on my credit report without any possession of my signature in wet ink, or, permission with my signature stating, they have permission to have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (IL).
Issue: Bankruptcy

Complaint: I filed for chapter XXXX bankruptcy and was confirmed in XXXX 2013 and first national bank of omaha was XXXX my creditors. they are reporting late payments and overdue balance in violation of the agreement. i believe this is in violation of the fair credit reporting act and an aggressive attempt to get me to pay a debt that is under bankruptcy protection. i have tried and failed to get any resolution from them and this is destroying my efforts to rebuild my credit and preventing me from doing an fha streamline on my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with Carter-Young, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last Reported XX/XX/XXXX Collection Agency CARTER-YOUNG INC Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2200.00} High Balance {$2200.00} Remarks Account information disputed by consumer, meets FCRA requirements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt paid in full. Reporting a full balance of {$290.00} and late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've tried to contact ERC regarding a XXXX bill from XXXX XXXX. It was briefly removed through a challenge, but now it 's back. I 've had a XXXX phone since XXXX. I have emailed and called asking for proof that this is my account, but I have not heard back. This is my last resort. The collection is for {$350.00}, but I have not seen any documentation. I only have 10 days left on free credit monitoring from XXXX, after which I will have no way knowing if it 's still reporting. Thank you.

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 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I FILED A CHAPTER XXXX IN XXXX XXXX. IN XXXX XXXX MY CHAPTER XXXX WAS COVERTED TO A CHAPTER XXXX. ANY DEBT THAT WAS CREATED BETWEEN XXXX XXXX AND XXXX XXXX ARE TO BE DISCHARGED. SEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I HAVE NOT HAD ANY SUCCESS WITH GETTING THESE ACCOUNTS REMOVED FROM MY CREDIT. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOULD NOT BE SHOWING ON MY REPORT AT ALL. THE ACCOUNT WAS OPENED IN XXXX XXXX. 
I HAVE SENT THE EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER XXXX CASE THAT I RECEVIED FROM THE BANKRUPTCY COURT WITH MY DISCHARGE ORDER TO THE XXXX BUREAUS. IT STATES CLEARY " IF THIS CASE WAS BEGUN UNDER A DIFFERENT CHAPTER OF THE BANKRUPTCY CODE AND CONVERTED TO CHAPTER XXXX, THE DISCHARGE APPLIES TO DEBTS OWED WHEN THE BANKRUPTCY CASE WAS CONVERTED. '' I HAVE BEEN SUCCESSFUL WITH SOME OF THE COLLECTION COMPANIES WITH CLOSING THE ACCOUNT THAT THEY PURCHASED ONCE I SENT THE THE PROOF. I CAN NOT GET THE CREDIT BUREAUS TO DELETE THE ORIGINAL ACCOUNTS FROM MY CREDIT, THESE ACCOUNTS ARE DISCHARGED DUE TO THE CONVERSION.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Although XXXX states the debt is not mine, collection agencies are showing up on my credit report. This has been disputed and resolved with removal from credit reports, two years ago. Now it 's a different collection agency, disputes were filed again, XXXX has dropped it, but Experian claims it was investigated and the debt belongs to me. Experience DID NOT do any investigation!

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 03/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: The complaint is against my mortgage company servicer. They sent an annual Escrow Analysis with incorrect amounts they claim will raise my monthly mortgage payment. The incorrect amount XXXX GA property tax of {$190.00} that my property is exempt from. My mortgage servicer Ocwen has documents in their tax files noting that this property is exempt from the XXXX, GA city taxes. Yet, Ocwen withdrew the XXXX from my escrow account causing a projected shortage, and Ocwen has increased my XXXX, 2016 mortgage payment to {$740.00}. If Ocwen would correct their records, my monthly payment should remain at {$710.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Medical) with Credit Collections U.S.A., L.L.C. (DC).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: The dental office gave me a quote before doing work for my son 's teeth - he was XXXX yrs. old. The quote was {$160.00} my out of pocket expense which I still have the quote. But then I got billed for {$760.00}. The work done is only filling for XXXX teeth. The explanation was insurance only cover XXXX filling not the XXXX they used. i dont ask what XXXX they used, i just assume they used what is allowed. i sent a payment of {$200.00} but they refused to take and further advise me to deal with the collection agency. They sent me to collection when the bill was only XXXX days overdue of which I was trying to depute. This is a fraud. I got misled. I sent the dentist a nice letter and also requested if i can discuss in person. Both I was not granted. I did ask for a discount, I was told by his billing that they can not even give me a {$10.00} discount.

Company response to consumer: Untimely response
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with AFNI INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Afni is tryi ng to collect on a debt on the behalf of  XXXX  that I do not owe. I have sent many letters to this company but they refuse to remove this derogatory remark from all  XXXX  credit bureau  s,   XXXX ,  XXXX   XXXX , and  XXXX . I spoke with  XXXX  and they are very upset with this company which I am a valuable customer to them ...   please have this company removed this remark off my reports as it is affecting my credit. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following hard inquires on my account that are not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 06-02-2016 about Payday loan () with Enova International, Inc. (TX).
Issue: Applied for loan/did not receive money

Complaint: I have explained to these people that my bank account was stolen and whatever money was put into the stolen account was not me. I have tried to reach out to them to work things out and even pay something even though I should n't have to pay. They call me all times doing the day to the point that I can not work. I do n't owe them anything plus I tried to work the issue out with them with no success. I have asked them to stop calling me or any of my family and friends.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I attempted to speak to a Transunion customer service rep and they would not help and take care of the negative inquiries reporting to my credit report. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 08/23/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (OH).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I paid off an old mortgage with Wells Fargo on XX/XX/XXXX. At that time, I also had a checking account that I was using to make direct deposits, move funds over via ACH, etc. I opened a new mortgage with Wells Fargo on XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo abrupbtly closed my account with no warning. On XX/XX/XXXX, my company attempted to make a direct deposit to my account for {$1000.00}, which caused the ACH to be rejected, since Wells Fargo had closed my account. This caused me great strife having to contact various departments in my company to reverse the ACH, as well as establish a new relationship with another bank due to having no where to send this part of my payroll. I nearly missed mortgage/credit card payments, too. I called Wells Fargo to ask for an explanation. The only response I was given was, " You no longer have a mortgage with Wells Fargo. '' This was clearly incorrect, as I had already opened one with them ( my current mortgage ). I spoke to a supervisor, who was equally less helpful. They offered me no support or anything to rectify the situation. I am deeply troubled by this pattern of behavior at Wells Fargo.

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 11-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I 've been enrolled in autopay for years in order to benefit from the .25 % reduction in the interest rate on my account. I am about to close my current bank account, and have already opened a new one - I tried to enroll my new bank account as my autopay account BEFORE cancelling my old autopay account on Navient 's website. That did n't work, so I called them around XXXX on Monday, XX/XX/XXXX and spoke to a woman named XXXX. She cancelled my autopay and said I have to login in 24-48 hours to re-enroll in autopay with my new account, and that this month I will pay the extra .25 % in interest because I am not enrolled in autopay. I do not feel I should have to pay an extra .25 % because their system is set up to NOT allow a seamless transition. I am prepared to immediately have a new account enrolled in autopay - but their system is not. They should not penalize me because their system is set up poorly. In fact, I am sure they do this in purpose to take more money from people. This should not be legal, if in fact it is. 
Additionally - if I should have waited until after my next autopay to cancel my current autopay account - the rep should have advised me to wait rather than cancelling my autopay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2016 about Debt collection (I do not know) with Credence Resource Management, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: a person by the name of XXXX XXXX and XXXX called my mothers phone number saying that I owed a dept and that I had to call them at following number XXXX I do n't know which company this is and how they got my mother phone number..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (I do not know) with Williams & Fudge, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Williams & Fudge ( Account # XXXX Pin # XXXX / # XXXX XXXX XXXX ) - mailed me a letter trying to collect on a previously disputed very old and unknown fraudulent debt. I mailed them a letter XXXX via certified mail advising that I am a victim of identity theft, the unknown debt they are trying to collect is a time barred debt in which has expired the Florida statue. In addition, I sent them a copy of the police report with a memo telling them to cease contact. Lastly on XXXX a relative called me telling me that this company contacted her very late questioning and not disclosing further information regarding who was calling. I need Williams & Fudge to cease and stop collecting on this fraudulent and unknown debt.

Company response to consumer: Closed with explanation