milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: * Due to excessive transferring of my student loan accounts from one servicer to another, I have had difficulty keeping track of who I owe and when to pay them due to inconsistent billing. 
* Billing statements were not sent during the period of the delinquency notations despite calling the various servicers to find out who, how much and when to pay them. 
* The following delinquency reported on my credit reports is inaccurate and the result of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by the servicer, which is under the purview of the CFPB : 1. 60-day past due delinquency notation in XXXX XXXX without a 30-day past due notation in XXXX XXXX on FedLoan Servicing, XXXX, PA, ( XXXX ) XXXX account. 
2. 60-day past due delinquency notation in XXXX XXXX without a 30-day past due notation in XXXX XXXX on same account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
XXXX XXXX XX/XX/16 Ally XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XXXX XXXX XXXX   XX/XX/16

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 05/18/2016 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (NE).
Issue: Settlement process and costs

Complaint: At the time of closing, there was no mortgage insurance listed on our closing disclosure and documents. When we received our first mortgage payment statement, the amount due was {$92.00} more. I emailed our mortgage broker with XXXX XXXX and asked if he could explain the discrepancy. He responded 2 days later explaining that " for some reason, the payment letter and such given at closing did not include the mandatory Mortgage Insurance '' and encouraged us to pay the amount with the mortgage insurance from the payment statement. I do n't feel we need to pay the amount with mortgage insurance as this was omitted on our official closing documents we signed at closing. I emailed and mailed a complaint letter to both XXXX XXXX and XXXX Mortgage on XXXX XXXX, 2016 with a deadline of XXXX XXXX, 2016 to respond or I will file a complaint. I did not hear a response from either one of them and I am reporting our mortgage broker with XXXX XXXX. I did make our first mortgage payment on time for the amount we signed at closing ( {$1900.00} ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This leasing company has been the most unprofessional business I have ever dealt with. While renting from this company I have experienced the following issues : rats and rodents infesting the home within the walls and under the property, damaging some of our items that they never reimbursed us for ; breaking the lease they wrote by being non compliant with every repair. Upon move in the management company advised us that the roof had damage ( a huge hole ) which was not repaired for the first two months of the lease. Not to mention they had terrible plumbing issues that we had to beg them to come fix. I have had companies come over to fix electrical issues as well. They stated they would never do business with this company again. The company which is ran by XXXX and his wife ( unknown name ) is very unprofessional with their communication the wife caused open confrontations with us the tenants several times over the course of our lease to the point where we advised them that she was not to come to the property. They have also made up charges such as 500 % holdover fee. Which is not stated anywhere in our lease. They have turned this made up charge to a credit company to in return damage our good history, not to mention they took out deposit and also made up claims that just were not true. The last complaint is indeed true and I have a very similar experience. Also I have never heard from the collection company in regards to this debt. They tried to tarnish my good name and never sent me proof of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: I looked at cars twice from 2 different dealerships. Each time the dealership took it upon themselves to run my credit after I told them THEY ARE NOT TO RUN MY CREDIT, YOU DO NOT HAVE MY PERMISSION TO RUN MY CREDIT, I DO NOT NEED OR WANT YOUR FINANCING. I had already secured financing though my home town bank. They took what information they had and proceeded to " shop around '' using my social security number, name and address from my pre-approvals. THAT IS CALLED THEFT. Plain and simple. When someone says " NO '' no mean NO! So, I obtained my credit report from all 3 bureaus. I found more mistakes and other companies that did not have my permission to run my credit. I disputed all 29 inquires. The credit bureau did not even try to find out if these inquires were fraudulent. I 've went though every avenue to get these removed and off my credit. I got the run around every time. It 's even went as for as the fraud department at XXXX telling me, " these are a dealerships and credit card companies! As for dealerships, as soon as you went through the doors, that gave them permission to do what they wanted! '' WHAT?!?! EXCUSE ME!?!?! How can the fraud department employees be so misinformed??? I want the inquiries removed from credit report!?!? My personal information was stolen and used without my permission for financial gain. I want my credit report to reflect the actions of myself and myself only.

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 04/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Closing/Cancelling account

Complaint: I OPENED A CARD WITH CAPITAL ONE RESPONDING TO A PRE APPROVAL OFFER. I GOT THE CARD SENT TO MY SISTERS HOUSE IN WHICH I WOULD BE STAYING BECAUSE SHE HAD A XXXX AND I HAD TO MOVE IN TO TAKE CARE OF HER. I ORDERED THE CARD TO HELP TAKE CARE OF HER MEDICINE EXPENSES MONTH TO MONTH. I GOT THE CARD AND WHEN I WENT TO ACTIVATE IT IT SAID IT WAS A FRAUD ALERT PLACED ON THE CARD. I CALLED THE FRAUD DEPT AND THEY SAID THAT I HAD TO PROVIDE PROOF OF MY IDENTITY. I THEN SENT THEM A COPY ( FRONT/BACK ) OF MY DRIVERS LICENSE, AND A UTILITY BILL FROM MY SISTERS ADDRESS WITH MY NAME ON IT. AFTER THAT THEY SAID I NEED TO SEND IN A COPY OF SS CARD! I EXPLAINED TO THEM I DO NOT FEEL COMFORTABLE WITH SENDING OVER ANYMORE PRIVATE INFORMATION LIKE THIS - YOU HAVE MY ID AND A BILL AND THAT SHOULD BE IT. I 'M NOT SENDING MY PERSONAL AND PRIVATE SS CARD OVER INTERNET OR FAX. ITS NOT SAFE TO ME AND UNNECCESSARY. I CALLED TODAY TO CLOSE THE ACCOUNT ALL TOGETHER. I DONT WANT TO DEAL WITH CAPITAL ONE ANY LONGER AND I WAS TOLD THEY CAN NOT CLOSE MY ACCOUNT WITHOUT MY SS CARD SENT TO THEM! I HAVE NO BALANCE I WAS NEVER EVEN GIVEN THE CHANCE TO USE THE CARD! I JUST WANT IT CLOSED AND NOTHING TO DO WITH THEM. THEY ARE TRYING TO CHARGE ME AN ANNUAL FEE FOR NOT EVEN BEING ABLE TO USE THE CARD!! I WANT IT CLOSED THATS IT!

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Is any way can resend me letter debt. So I can pay right way? I need to know why my credit score went down from XXXX? I have already paid this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (WA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I am currently with XXXX a consolidation company, they send payments to XXXX XXXX every month for my past due bill however they continue to call my phone like 10 times daily regarding my account and report it to XXXX which lowers my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Total Customer Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company is XXXX. The collection agency is Total Customer Service , Inc . However, I ironicaly was treated with horrible customer service when calling to dispute the debt & in fact, the gentleman I was talking to on the phone literally just hung up on me while I was talking ... It was rather rude. 
So anyways, I received a promotional letter, for what appeared to be a sweepstakes giveaway with a large cash incentive as the main prize. Naturally curious as to winning the cash prize, so I could clear other legitimate medical debts of mine, I called the number on the letter that I received & was instantly asked a few various simple questions about my life. Then after answering those survey questions, they said I qualified for a free nice watch & they requested my address to send me the free watch, that was promised to me. Next, they also requested my credit card info to verify my age/identity/etc ... After collecting that info, they had an immediate request for money to start a magazine subscription, to which i declined, multiple times. I was assured that I 'd was getting the watch still, however I never received it & instead a women 's beauty magazine of some sort was mailed to me by them but it actually went to my Mother 's address ... Which by the way, she 's a witness for the entire incident & was present during the conversation I had initially. I definitely NEVER ordered a magazine subscription or authorized a charge for anything of the like. I 'm a XXXX year old male & it was a women 's beauty magazine that they sent me, which should hopefully reveal how much of a scam this was/is. I hope others are n't being harassed with ridiculous fraudulent charges from this con-artist company. It is a complete scam & they lie to you about everything that is " offered '' or " won ''. MY card had no funds on it so the purchases never processed, which I mentioned to them on the phone so they would n't attempt to charge anything, yet it appears that they did. Recently I received a bill from them for a collection of {$67.00} or something close to that price, via the mail. Except, I 'm confused how I owe anything? I definitely do n't & regardless of the watch or the amount of supposed " debt '', this is all just fundamentally incorrect & morally wrong/unfair for me, as well as any other member of the general public that they 've prey on for falsely, " owed '' money. Please help us good people.. In my opinion. this company should not be allowed to operate.

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 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I made a complaint on XX/XX/2018 with consumerfinance.gov to wells fargo and they said they would remove this off my report 30-60 days and its been over 90 and they have not followed through with what they said they would do. I never had a contract or gave these people consent to anything with my information. I need these hard inquiries removed ASAP from my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  #  XXXX  bod  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Transunion  XXXX  and  XXXX  will not update my correct credit limit on my    XXXX     XXXX   XXXX  credit card account the correct limit is {$2200.00} with balance of  XXXX  correct my balance and credit limit

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 06-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent this information to Trans Union I have asked them to update there files according to the document however it is still reporting on my credit file. I do n't want a dispute opened I just want the account removed please

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 08-03-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We started receiving letters from our mortgage company ( DITECH ) stating that they set up a escrow account to collect our property taxes. We called them expressing that we 've been making the property taxes payments for the past 12 years with no problems. In the mean time all our mortgage payments are not being fully applied to our account because " they are not complete '' according to DITECH and we are being charged excessive late fees because of it, even though we are making our payments on time. DITECH stated that the reason that they set up the escrow account is because they paid the property taxes for the current year. I replied that I also paid the property taxes for the current year and I 've been doing it on my own for the past 12 years without any problem. 

Representatives at DITECH told me to submit a letter requesting for the escrow to be removed from my account which I submitted along with bank statements, receipts\copies of the checks as proof of payment, I also included a letter from the XXXX XXXX county stating that we had no properties taxes due. After submitting the proper documentation we were told that they ca n't remove the escrow account because we are behind in our escrow payments. I keep telling all the reps at DITECH that we already paid the property taxes and that we do not wish for them to collect the property taxes because we already have paid them. I talked to many of the reps and supervisors and they all are not helping us to resolved this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  Experian and  XXXX . I would like to see my credit updated correctly. Tax lien remove, no scores decline after sub mit Dispute and Inquiry sto p going into my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After XXXX applied for modification with Flagstar Bank. Process dragged out I was told they had all of the documents that they needed, continued to follow up, Reapplied several times, found a buyer for my home to prevent foreclosure. Bank declined stating pending refinance, house foreclosed, I did not want to sell. I even went to work outside of the area to offset the economic downturn and make up for the drastic increase in insurance. 
When loan was obtained payment changed due to some oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunionhas reported XXXX XXXX as a collection account XXXX. This account was removed from my file in XXXX and it was reporting as XXXX. It is not fair to the consumer to keep reminding them about recurring debts from a company that reports from many different companies reporting same debt. Transunion is n't takimg care of this problem. When I call a special department supervisor handles your file and you 're transferred to many different people and finally to a voice assistant. You 're told they 're busy and thet will call back. You never receive a call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (I do not know) with Midwest Recovery Systems (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX Acct # XXXX To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 )  Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been contacted multiple times by a collection agency that goes by two separate names ; Central Financial Control & Syndicated Office Systems. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX

Company response to consumer: Closed with explanation