milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have repeatedly requested a reinstatement quote and have attempted to contact our point of contact. Often times, we are unable to reach anyone. When we do, we are told to expect to hear back from them but do not receive any requested information. During the loan modification application process we repeatedly had to submit information and never received a response regarding a trial or loan modification plan.

Company response to consumer: Closed
Consumer complaint received 03/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a complaint to the CFPB on XXXX XXXX, 2016. ( Case No. XXXX ) The bank allegedly responded on XXXX XXXX, 2016 to the complaint and said " Per the coding on the account, a response has been sent to the attorney on file. '' I checked with my attorney who represented me previously in a lawsuit involving the bank and he stated he has not received any response from the bank regarding my CFPB complaint. By the time I tried to dispute the bank 's response, more than 60 days had elapsed and I could n't respond. Please reopen this matter and ask the bank to resend the response they allegedly sent to my lawyer directly to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has not responded to me in regards to my current situation. I have sent Bank of America a contract ( see attachment ) to sell my property as I want to avoid foreclosure. The title company has faxed the contract over to Bank of America and also has not received a response. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Payday loan) with BlueChip Financial (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: a person name XXXX called me from her cell phone about a debt.i called that same number back the next daya nd the number no longer exist.she been calling me from a XXXX number and a XXXX number.

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 08/29/2015 about Payday loan () with CURO Intermediate Holdings (NV).
Issue: Charged fees or interest I didn't expect

Complaint: I did apply for a payday loan. When I asked for the repayment amount I was told it can only be determined after I accepted the loan. This occurred at rapid cash in XXXX XXXX Nevada. On XXXX XXXX and XXXX. The loan officer refused to give me proper information of the loan prior to me taking out the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was checking my account and see  XXXX  different account in collections in my credit report, both are payday loans that I do n't know about

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I would like to file a complaint and dispute this charges on collection. I sent a written disputed letter since I am not aware of this company. But never received anything after filing a dispute for this charges on  XXXX   XXXX ,   XXXX   which they indicated I have 30 days to dispute this charges. Please see attached for the dispute letter I have sent to this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian mixed my file with another individual with a similar name. A credit bureau is responsible for maintaining individual reports properly and correctly under the FCRA. Experian 's mishandling and mixing of my individual credit information DECREASED my credit score by over 100+ points. Experian 's incorrect report was over a 100+ points lower than the other two credit bureaus. Unfortunately, this information came to light after I submitted a credit card application with one of my banks. My application was denied based on Experian 's incorrect credit report, and I lost a {$200.00} cash-bonus opportunity. 

On XXXX XXXX XXXX, I reported the improper information listed on my credit report, and the representative informed me that Experian had mistakenly mixed my file with another individual residing in California. While Experian " re-evaluated '' after fixing the relevant issues, I was still denied the opportunity to benefit from a cash-bonus offered by my bank. 
Experian clearly violated their statutory and regulatory requirements under the FCRA by mixing my file with an individual with a similar name -- evidencing that their filing procedures and protocols are not compliant with FCRA requirements.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The inquiries was placed on my consumer file on this dates as follows ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX Show Details XXXX/XXXX/XXXX XXXX  XXXX-XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mc XXXX Online XXXX XXXX, NC XXXX CAPITAL ONE Show Details XX/XX/XXXX,XX/XX/XXXX CAPITAL ONE BANK USA NA Show Details XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX  XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show DetailsXX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Show DetailsXX/XX/XXXX XXXX XXXX XXXX , Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX  Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Recently while observing m y credit score a nd account overview on my  XXXX   XXXX  app, I came across  XXXX  hard inquiry listings on both my  XXXX  and   XXXX    reports. On my   XXXX   report, there is an inquiry dated from  XXXX   XXXX ,  XXXX  and the inquiry is with Syncb/amazon. This was never an authorized inquiry, no r one that I have ever been familiar with. I would like it removed from my credit score, as it states  the estimated removal date is  XXXX  of  XXXX . The other hard inquiry, which is on my   XXXX   report is an inquiry from  XXXX   XXXX ,  XXXX , which once again is an unauthorized and unfamiliar inquiry on my behalf that I would like to have removed from my  credit score. This spe cific inquiry states it is from  XXXX   (   XXXX   XXXX   XXXX   XXXX  . ) a nd will be removed at an estimated date of  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 02-07-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (WA).
Issue: Struggling to pay mortgage

Complaint: We were holding " interest only '' mortgage for more then five years and paid monthly charges in amount of {$1300.00} including taxes and insurance ( see attachment ) This is an amount we could afford and we never missed a payment. Our credit history is good.The payment varied each year depending on a rate change but never changed to much. In XX/XX/2018 we received notification from Ditech financial that our program would changed to ARM starting from XXXX and monthly payment will be {$2100.00} ( see attachment ). We can not afford this amount. We addressed the company and spoke to a loan officer XXXX XXXX XXXX # XXXX on the phone regarding possible refinancing with smaller payment charges. We were denied on the basis of insufficient income. 
What is the option then- to sell the house? Why Ditech changes the rate program without our permission? It is going to ruin our budget. 
Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There is a collection account listed on my personal credit file that is NOT mine. Showing XXXX XXXX XXXX for {$470.00} again this does not belong to me. I want this removed and some help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: USAA Bank is taking my XXXX wife 's Social Security be'tnefits to cure a debt they claim she owes from an account she held individually. the benefits the are attaching are direct deposited to an account she ca n't touch, I, her husband am her Repersentative Payee, the title of the account is XXXX XXXX, Representative Payee for XXXX XXXX. so not only is USAA unwilling to listen when I tell them they can not attach social security benefits to cure the debt they say she owes, they are also taking from an account that was designed to protect the finances of a person unable to manage their own, which is my case. My wife can not handle her own money, I pay her obligations and allocate funds to her so she cant get herselfin trouble. USAA 's resolution executives refuse to listen when they are informed they can not take her benefits that are direct deposited to her representative payee account to cure a debt from her individual account, please help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Bank account or service ((CD) Certificate of deposit) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.

Company response to consumer: Closed
Consumer complaint received 06/28/2017 about Debt collection (Medical debt) with Medical Business Bureau (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: MBB has not sent me any proof or validation for the debt they are claiming I owe. Several items on my credit reports are duplicates. I have not received anything in mail from them, ever!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (Medical) with Mnet Financial Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Back in XXXX/XXXX/2015 I had XXXX and I was take by my Doctor to a Private Hospital without my consent and the bill came as shock. My Insurance has paid {$8000.00} just for Hospital Bill not include Doctor Bills. but now I just pull my Credit Report and Its show 2 separate bills for the same service from collection Agency represent Hospital, But Early I did receive only one bill from That Hospital. And now I have been contact that collection Agency and ask Why One bill was reported as two bill on my Credit report but I do n't get any respond All they tell me is that They will contact The hospital for a father verification. but I never heard from them. My believe I was over Charge by the Hospital in the First Place. If in the Pass my wife XXXX Did n't cost that Much? Why my XXXX XXXX XXXX up Cost Almost XXXX Dollars. Warn Others Stay away from Private Hospital they will Bankrupt Society.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Debt collection (Other debt) with JNR Adjustment Company, Inc (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Issue # 1 : My telephone line was damaged by a contractor. XXXX XXXX XXXX sent a bill for the repair and I paid it. My account shows a credit balance for the amount they want. I continue to pay the current charges every month yet XXXX XXXX XXXX doesn't correct their error. The money has been in their possession from the start. 

Issue # 2 : JNR, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX continues to call and try to collect when they were notified in writing to stop. They are engaging in unfair collection.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: For months now, I have been disputing inaccurate information on my credit. Including accounts by XXXX, which I have NEVER had. And Equifax has not been able to show me proof of WRITTEN signature and documentation of me ever having an account with them. Now recently my credit score has been dropping by 30 points A MONTH. There is no way that this information is accurate. I do not own any accounts to make my score go down by that many points a month. This inaccurate information has been preventing me from obtaining work, which means the government is not get taxes from me. I am tired of fighting with Equifax and XXXX enough is a enough.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX ,   XXXX   a collections hit my credit report  XXXX  and  XXXX  for {$500.00}.   Once I received the notification I contacted the debt collector Midwest Recovery Systems for   XXXX   XXXX   XXXX   XXXX   XXXX  . I call ed MRS and s poke to a representative to get written verification that the debt belongs to me. I wanted something with a signature that I actually received and applied for the loan. They were able to send me this information instead they sent me a letter from them claiming the debt was mine and provided who they purchased the debt from which they could not give me any contact phone number, the date it was supposedly deposited in my account, the date the loan was taken out.   .With that information I did more research.I called  XXXX   XXXX   XXXX   XXXX   to p rovide the written verification. I called  XXXX  phone numbers I found on  XXXX  which were known working finally found a cell phone number for  XXXX   XXXX . Asked him to provide the written information and he could n't. He just gave me the same informati on MRS provided.   XXXX  then sent me a text stating to offer MRS {$100.00} to settle the account but that is not the action I want I want this collections removed from my credit report. He then stated do not tell them he told me this but they brought the account for pennies on a dollar and they would settle. I then proceeded to pull my bank statements from  XXXX  -  XXXX  to find where the funds were deposited into my account. I found no proof. I tried to contact  XXXX   XXXX   XXXX   XXXX   XXXX  and they no longer exist this company was out of  XXXX . All I am asking is for them to provide written proof and if they ca n't remove the collections from my credit report. I am uncomfortable sending banks statements to provide the proof that I never received the funds. If I need to do so please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced REsource Center -ERC ( a debt collection agency ) started calling my home, I finally answered the call and was told this was an attempt to collect a debt for XXXX XXXX for {$140.00}. I told the young lady she had the wrong number, as XXXX does not service my area - I have ATT. she said it was for a service address in XXXX. I stated, I do n't know anyone in XXXX, XXXX and if it has my name I am a victim of I.D theft. She stated, the account was opened and that was the service address and my name and number in GA was listed as the bill pay address. I said, I have never heard of such a thing. She kept asking, How was I going to pay the debt? I finally got her to realize it was not my debt. I asked was my SSN used and she said no. She gave me a number for XXXX. I called XXXX XXXX. and asked did they allow their customers to bill to XXXX party address without consent?, and I was told, YES. When I called back they rep. denied I had a bill with them. I have recently been told I have to go thru the fraud dept at Charter and fill out the paperwork, however, I think that is insane being that they -Charter allowed someone to bill to someone else 's address in a totally different state. I know the Identification theft process I have had to use it before. But I feel XXXX was negligent approving such foolishness in the first place and they should be held accountable and made responsible for finding a solution. I still received a bill from ERC notifying me I had 30 days to prove it was not my debt or I would be held accountable. Again, XXXX was negligent in letting the stranger use my name and address without first verifying with me. I was not aware service could be established with a SSN in any type business. I also never received a bill from XXXX XXXX alerting my of service in my name. My first notification was from the bill collectors.

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 07/28/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I own XXXX on a medical bill and I having finance problem.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am currently almost done with my chapter XXXX bankruptcy. All my accounts are reporting closed with XXXX and XXXX. But on my equifax report it is still reporting an account as open even though it shows as closed through the other credit reporting agencies. The account in question that should be reporting closed is XXXX/XXXX ( account number XXXX ) for the amount of {$4500.00}. I will attach a current credit report for XXXX and Equifax showing proof of closed account. 
Also attached is my last credit report showing equifax reporting that account is not closed. And a screenshot from XXXX XXXX website showing account is still open. I am unable to file a claim through XXXX website because the question I answer each time to verify my identity keeps failing for some unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (WA).
Issue: Account opening, closing, or management

Complaint: I paid off my mortgage with Fifth Third Bank. After the mortgage was paid off they took another payment from an automatic withdrawal. This was the XXXX of XXXX. They told me they mailed a refund check on the XXXX of XXXX but as of the XXXX of XXXX I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion is reporting XXXX invalid / cancelled XXXX XXXX, GA property tax liens on my consumer credit report. They refused to remove these items in the dispute process, despite proof of cancellation and the fact that the property in question was already surrendered and bank owned at the time the liens were placed. The XXXX XXXX XXXX Court and Tax Assessor 's Office has cancelled all liens in my name - I have provided documentation of this as part of my complaint. 

The state of GA does not require courts to report cancellation of liens to credit bureaus, and all of my efforts to resolve this matter directly with Transunion have been unsuccessful. Transunion refuses to consider any additional dispute of this information, and plans to keep these invalid, cancelled tax liens on my credit report for up to 10 years from the date of 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