milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For years my credit report has been merged with someone who has the same name as mine. I tried several years ago to clear up this issue ; I wrote to all XXXX credit bureaus and sent in utility bills only to be told that my utility bills were too old. I have XXXX and the process was overwhelming. My credit report is merged with another person with my name, XXXX XXXX. She has the middle initial of XXXX, and I have no middle name. I was born in XXXX and she was born, I believe in XXXX. I need this cleared up ASAP, as I am trying to save my house. I am trying to get a hardship/forbearance and I ca n't because there is a mortgage on my credit report that is not mine and is stopping me from getting the help need. The main item is a B of A mortgage account number # XXXX. This mortgage is not mine. There is another account that my mortgage company needs gone, a XXXX XXXX account number # XXXX. This XXXX XXXX account is not mine.

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 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Trans Union had a glitch in their system that violated the right of their consumers under Section 6.11. Ask a result I have been greatly affected and my credit score is suffering as result. No notice was ever given which is also a violation. I am requesting that all inquiries during this time be removed.

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 02-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called XXXX XXXX XXXX. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. XXXX XXXX XXXX added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by XXXX XXXX XXXX incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.

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 12/14/2016 about Bank account or service (Checking account) with U.S. BANCORP (NM).
Issue: Account opening, closing, or management

Complaint: I called numerous times about a supposed law suit US Bank has on me. I asked how am I frauding them. I called the recovery department and was told by XXXX that according to my ssn I am not in system. I was XXXX by XXXX I closed my account in 2005 with a balance of {$270.00} first time and he did n't know how much my balance was second time. Both times he said my balance could be a scam to seek legal help. He also said that balance was sold to a company that is now closed down and could not give me anything else on that balance. He even refused to offer me the old account number stating my account is too old and again seek legal advice for it could be a scam.

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 05/13/2016 about Consumer Loan (Installment loan) with Ditech Financial LLC (CO).
Issue: Managing the loan or lease

Complaint: I have a loan from Ditech. Whenever I pay extra above the billed amount it is not applied to the principal. Last month I sent a {$25.00} payment in the middle of the billing cycle marked " all to principal '' it was all applied to interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Credit card) with CL HOLDINGS LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A collection agency contacted me regarding a XXXX credit card account. I agreed to pay a less amount to settle the debt. But the original creditors collection agency are still charging me but for a smaller amount. The debt was not settled or delete it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I was sued by Encore Capital Group in XXXX in the state of Texas for an old debt. I challenged the validity of the affidavits filed during the suit, and even contacted the State of Minnesota to start an investigation in the notary habits of MCM ( based in Minnesota ). The XXXX in my debt case with Encore ruled against me and said that my objections were noted. In XXXX the CPFB filed a Consent order against Encore. Paragraph 146 of the Consent Order states : For the Dispute Affidavit LAwsuit Debt that has yet to be collected, expected to total more than {>= $1,000,000}, Encore must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Dispute Affidavit Lawsuits ; b. Release or move to vacate all judgements obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c. Cease post-judgement enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits ; and d. Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable. 

To this date Encore has still not done any of this regarding my case with them. When Contacting Encore they have said that they are not aware of the Consent Order and that the Debt is valid. They took my written complaint to them as a Debt Validation Request, and did not look into the account. If they had they would have seen that my account and the above mentioned court case occurred within the Rlevant Time Period of the Consent order. 

I am asking that Encore vacate the Judgment against me, and remove all accounts from my Credit Reports. And that they no longer violate the Consent Order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WV).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage was sold to Green Tree Servicing approximately in 2003? I have experienced many fraudulent actions with them. 
I was told I had to take their insurance because I had let my insurance lapse, that was not true and I had to acquire proof from my insurance company that I had in fact never lapsed. So I won that battle, However : My Mortgage is not a XXXX Loan, It is in Ohio, the home is deeded to the property and Greentree refuses to acknowledge this fact. If I pay an extra each month, they apply it to my next months payment, It clearly states in my Mortgage that any additional payment is applied to my principle. I have also received XXXX statements that have been Higher the following year.I have never seen interest that you have paid go up! I have been collecting amortization schedules each year. The numbers change each year. I have brought this to their attention with no resolution. I turned a claim in to the XXXX, also with no resolution. I would like some help. I did have a Finance Annalist review my amortization schedule and XXXX 's appropriately 5 years ago and they felt that Greentree with misapplying, has created a balance that is approximately {$10000.00} to their favor. I would like to know how to get help with this issue!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I found a " collections '' status on my credit report for a medical bill. I received XXXX bills from the physician 's office and paid via check on the XXXX bill. The check was not cashed but I received no further communication from the physician 's office. I contacted the Collections Company and told them that I had not received a letter or phone call from the company. Upon further investigation, I did not receive a letter but I did have XXXX missed calls from their unknown number ( no voicemail ). I do not feel that this is sufficient contact and I believe that they should have sent a letter if unable to contact via phone. I had extraordinary credit, no late payments, prior to this incident and I paid the outstanding balance immediately on the phone with the collections agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: We were unaware of the monthly fees that were being charged by Citibank to our checking account given the account has a XXXX balance and has not been utilized for awhile. Each time a monthly fee was incurred, Citibank simply debited the overdraft account that was linked to the checking account. This practice was never disclosed to us which resulted in months of monthly fees ( totaled to over {$280.00} ) being charged by Citibank to our account. We are not a multi-billion dollar corporation who can afford to pay for the hefty fee for a checking account that was not utilized. We had to spend hours at the branch and calling the bank 's customer service number to try to resolve this issue. Every time, we were told that there is a limit of the amount of fees that they could credit back to our account. While all the representatives were very sympathetic to our situation and understood that this practice was unfair and that Citibank is enriching themselves based on a customer 's honest oversight, they were not empowered to resolve this issue. Further, the only way we could stop this monthly fee from being charged again was to pay the outstanding fees so we could have the account closed. However, the catch here was that if we opted to close the account, we were told we lost our right to ask for refund back on the unjust fees that Citibank charged. This can not be right! Closing the account to stop the fees from incurring equates to us losing our right to escalate this issue further for resolution?

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 02-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Debt collector ( XXXX. ) collecter did n't verify collection no contact no signature

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 10/19/2015 about Debt collection (Credit card) with GC Services Limited Partnership (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The collectors are calling a number that I no longer use! It is my parents phone number and I do not live there anymore nor do I use that phone number! I have my own personal phone number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: My account was overdrawn on XX/XX/XXXX and an overdraft fee of {$35.00} was levied. There is no complaint on this fee. However, once I discovered that the account was negative I went in branch to fix the issue and make the account current. In branch I was told that they could not accept my check as a checking account deposit. They said that it had to be deposited into my savings and transferred into my checking. After the deposit I was informed that the funds available on the deposit of {$2000.00} was {$400.00}. I was told the account was positive and that the remaining funds were available to me. On Tuesday morning over {$140.00} in o/d fees were levied against the account. Wells Fargo 24hr Banking informed me that they would only waive XXXX fees ( {$70.00} ) and that I would be forced to pay the remaining XXXX. I do not have a continuous o/d history with Wells or a habitual o/d problem. These fees are a result of branch misinformation and the fact that my deposit was put into my savings account per the branch teller and manager 's decision. I was on the phone with 24hr banking for over an hour with reps and manager XXXX XXXX in the call center based in XXXX. I was refused waiver of the additional fees. 

These fees are based on misinformation and errors from Wells Fargo, despite this Wells is unwilling to reverse the transactions. I was willing to pay the fee for my actual o/d incident on XX/XX/XXXX ( {$35.00} ) but these additional fees are not my responsibility and compared to other retail banks are VERY high at {$35.00} each. 

I informed Wells Fargo that I am a recent graduate and relocated and that my funds are needed. They still will not reverse the fees based on their error. 

This is very upsetting. I just want my {$70.00} back. Please help 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 monetary relief
Consumer complaint received 03/18/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Commonwealth Financial Systems has yet again placed an unsubstantiated collection on my credit reports in the amount of {$57.00}. This is the fifth time that this fraudulent account has appeared on my credit reports and the third time that Commonwealth Financial Systems has reported this false information. Each time they change the account number reported to the credit bureaus. I have proof of sending certified letters to Commonwealth Financial Systems denying their allegations and requesting evidence of their claim. In all cases, Commonwealth Financial Systems ignored my letters and has refused to provide evidence of their claim. This fraudulent collection was reported in the past by other collection agencies as well. XXXX XXXX XXXX, XXXX & Northeast Credit have also reported this false collection in the past. It took assistance from the Attorney General 's office to get them removed from my reports. The credit bureaus have also removed this false collection placed by Commonwealth from my report multiple times. I have kept all correspondence from my complaints and evidence of my complaints with the Attorney General as well as credit reports showing that this fraudulent account was previously deleted multiple times. I have had to place a fraud alert on my credit reports because this continues to occur. It is horrifying to see that Commonwealth has over XXXX complaints with the CFPB. I have filed new complaints with the Attorney General of Texas as well as the PA Attorney General. It is my prayer that the CFPB will take action against Commonwealth Financial Systems to stop their continued abusive and illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Settlement process and costs

Complaint: I have provide documents and links explaining the Wells Fargo Foreclosure Fraud Scam along with their latest criminal scam in which they robbed, stole, and created XXXX accounts. If you would like copies of the entire packet of paperwork from the 2010 closing, I will send them via XXXX mail. Otherwise, you can just continue to believe every " TADA '' document sent via Wells Fraudo

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 02-03-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to recieve a loan modification from Bank of America and feel my case has not been reviewed correctly.Myself and my lawyer have sent in all items asked of us in the proper time frame and still have had no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Consumer Loan (Vehicle loan) with AFS ACCEPTANCE, LLC (AZ).
Issue: Managing the loan or lease

Complaint: I surrendered a vehicle in XXXX of 2015. My balance was around {$12000.00}, and they sold the vehicle for just under {$5000.00}. With fees and interest, my account charged off and reported to my credit as me oweing a little over {$7900.00}. I decided to call them and see if I could pay a settlement amount to have the account satisfied. The customer service rep I spoke to, after over 15 minutes and several reps that could not find or assist me on my account, was very rude and kept telling me very incorrect information. She tried to tell me that my balance was actually over {$10000.00} due to the fact that the amount charged off, did not include any of my per dium interest accumulated during the life of my loan. I 've worked in the subprime lending industry and I know how simple interest loans work. But she tried to tell me that THEIR company charges the interest at the end of the loan, even though my contract did not state this AND my payment history did not reflect this. She tried to tell me that she would be willing to take off the {$2500.00} from the {$10000.00} she said I owed. This is an incorrect amount by my payment history, as well as the agreed upon terms in my contract. She was attempting to collect on a higher amount then what I owe amd lied to me on how their simple interest loans work. She refused to get me to a superior, stating she was the boss and there was no one above her.

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 10/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This was a XXXX bill that at least over 8 years old. They say that their client 's name is US Asset Management , Inc. EOS CCA and US Asset Management , Inc are the same company. 

I disputed the debt and it is still on my credit report with XXXX. 

XXXX ( XXXX, IL ) was trying to collect on this debt before. My guess is that they sold this after it went beyond the statute of limitions on collecting a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: For the past 8 months we have been struggling with roundpoint servicing regarding an escrow issue The servicing was transferred to them from another lender. They refuse to correct a flood insurance escrow placement, when we have had and have shown numerous times that we have flood insurance on this property. We have spent countless hours in phone calls that lead nowhere or with someone who states there going to correct it and send us a corrected analysis but when it comes in the mail it is wrong. They are charging us for flood insurance when we have satisfactory proof of coverage there has never been a laps or gap ... iwhen the transfer happened to their company is when we have had nothing but problems! We get the runaround one department dosent know what the other is doing, or it takes 60 days to make a correction, which is a direct violation of TILA AND MAP regulations. But to date NOTHING HAS BEEN RESOLVED. I beg for assistance. Every three weeks we go through a routine of calling being placed in hold for 30 min at a time after being placed there from a representative ... .. we need help.

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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close Synchrony Bank  HHGregg   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than  two  payments past due  ( 2 )   - SYNCB/HH GREGG    XXXX   XXXX    2017   SYNCB/HH GREGG has flagged your account as Not more than two payments past du e  ( 2 ).    Alert Type : Potentially Negative Found On :      XXXX   XXXX       2017  Potentially Negative Alerts notify you when one of your accounts has reported information that  may  negatively impact your  credit score.      Balance spoke to  XXXX  last payment made- way  XXXX    2017  . Paid up through  XXXX . Confirmed. I then asked for an acc t manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager w ho I relayed my request for resolution! I finally Reached  XXXX  a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.

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