milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my XXXX XXXX, Equifax and XXXX credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Rash curtis & associates called me this morning between XXXX and XXXX. I spoke with them and explained the situation then they called again before noon harrasing me and not letting me explain the situation saying that i did not understand the meaning of the word rhetorical. What this has to do with it i am not sure. So i disconnected the call. More than XXXX contact with me in less than 24 hrs is a violation of fdcpa

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 Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I applied for a home modification on my existing house through Ocwen. We were approved for the loan modification and the terms were as follows. For three months we had to make a payment of XXXX, and then the modification would be complete. I sent all the paper work including check stubs for my husband and my self. On XX/XX/XXXX the first payment of XXXX was paid. On XX/XX/XXXX the second payment was paid. On XX/XX/XXXX the third payment was paid. In XX/XX/XXXX the loan modification was denied in the form of the letter. We received no correspondence or phone call to let us know. I called Ocwen and asked why we were denied. They said that we had put a wrong date on the agreement form. I explained that we sent in the correct form sighed and sent them an email of the date it was sent. They said that the date on the paper not the email was wrong. They refunded the XXXX payment and did not inform me that the XXXX was sent back until after I had called in XXXX. I appealed the denial decision in XXXX with the escalation department so that I could pay my payments and keep my house. Ocwen denied the appeal. In XX/XX/XXXX I applied for the lone modification again, sent in all the paper work with correct dates and signatures. Ocwen waited until the beginning of XX/XX/XXXX and when I checked the website, ocwen needed more information about our pay. I was in the process of getting the information needed and then I was told that it had been denied by Ocwen. Ocwen told me that I had to reapply so on XX/XX/XXXX I reapplied. Ocwen said it would take around 5 to 7  days to review my modification application. I called Ocwen on the XXXX, XXXX, and Ocwen said it was still in processing. I called back on XX/XX/XXXX to ask about the modification progress only to be told by Ocwen that the foreclosure had been completed on XX/XX/XXXX. I called again on the XXXX and XXXX to see if I could save my house and got the same answer from Ocwen that the foreclosure was completed on XX/XX/XXXX. I was transferred to XXXX. which is Ocwen 's realtor and they could not tell me anything, they told me I needed to email XXXX to find out about my house. I emailed XXXX and asked if they could help me save my house but XXXX informed me that they no longer had my house. They said it had been sold to the XXXX XXXX XXXX XXXX. I tried calling them to find out who had my house and no one seems to know. I called the HUD housing and they can not see who has my mortgage. Today is XXXX and I still do not know who has the mortgage. Myself and my XXXX children are still living in the house and have no other place to go. I wanted to get in touch with whoever had my house to see if I could make arrangements to get it back. Please help me! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a credit report and noticed that I had a fraudulent account which was an error by XXXX XXXX XXXX & XXXX XXXX. I realized it was an error and contacted the companies to make sure it was an error because i have no history of renting any apartments I 've been living in my single family home for over 15 years now. I contacted the credit bureau along with the creditors to make sure that I was correct and that it was an fraudulent error between the credit bureau and the creditor. I explain it on several occasions by sending certified letters over to both the credit bureau and the creditors for the fraudulent account. I provide professionalism in all that I do but I am now in distress about these accounts and it 's sad that these credit bureau have falsely accused me of this account and I refuse to take blame for this. It 's annoying and it 's a pain in the XXXX XXXX. I did all the everything possible to be told the account is verified. No verified documents was sent over to me. Therefor any error on my credit report should be removed. I sent over at least 5 letters concerning this account and was always ignored.

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 12/30/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: Since Wells Fargo took over Wachovia bank 6 years ago I 've been using their services ; which I 'm not happy from day one. I have direct deposit {$1500.00} from XXXX ( XXXX ) pension fund Wells Fargo deducted my mortgage payment for the amount of {$980.00} per month at once I was using the balance to pay XXXX or XXXX bills, but I was n't every month. My concern is to have enough to cover my mortgage there was a time tat I was n't using any money left from my account. I never see my balance or never have any money left ove to pay the rest of my other bills on my checking account. Besides I have {$600.00} or {$400.00} to deposit and still be short at times. My problem with the Wells Fargo bank is that they never have enough money to pay my mortgage or any bills. Three years ago I went to the branch at XXXX XXXX and XXXX and deposit {$600.00} on my sister account and she lives in Florida and she never received it .A week later I asked her if she got the money her response was no i have n't. So I went to the bank and complained about it, but I did n't have my receipt. I did request for them to check the Camera or the video and they refused to help me. I described the person who attended me that day at the window, and their feedback sorry there is nothing we can do since you do n't have proof or receipt.

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 07/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a strange issue going with XXXX XXXX that created a need to change services. I was happy with XXXX, and would still be with them, but when clients were calling my phone they would get a NOT A WORKING NUMBER message. After several months of their attempt to find the problem a senior engineer acknowledged the issue but was not able to correct it. I had to file with the FCC to get released from the contract and credited for phones we had purchased as potential solutions. FCC Ticket number XXXX. We were released from the contract, paid the outstanding bills and returned the phones. 

I was denied a loan for my business because of the negative hit placed on my credit by Diversifed Adjustment XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I called and attempted to get it resolved with them but the CSR claimed they intended to collect to remove it from my credit report. 

I would like to hold them responsible for the damage done and the lost revenue to my company due to this false claim. 

XXXX is a great company with some issues that they could not repair. They also have a bad return acceptance department as this is the second time they claim not received phones when they have been returned. 

As a note we purchased XXXX or XXXX phones within months in an attempt to correct the false call message to no avail We were left with no alternative but to switch services. 

Diversified is a collection company that is not willing to listen and the rep became stubborn and insistent that the bill was owed and nothing said or presented was going to change that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ..Promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Problems when you are unable to pay

Complaint: I purchased a vehicle through a dealership and was financed with Santander Consumer USA. They are the worst in terms of LYING after making payment arrangements on my loan ; I was told that those arrangements were never made. Causing the loan to be in default and allowing them to Repo the vehicle. after this happening 2 times, I decided to start recording the conversations. on multiple times I was told that the arrangements were not made, or that the payment didnt include certain fee 's which allowed them to tack on more fees after the car had been Repo 'd. On XXXX XXXX, 2016 I was sitting in the vehicle with my Husband the Truck driver ( Repo ) Rammed into my vehicle with us in the vehicle causing injury to our XXXX. after we are sitting in the vehicle in Mid-air the truck driver gets out of his truck and comes around to the drivers side and try 's to pull me out of the vehicle ( I was assaulted and Battered ) by the driver as the other person working with him in an unmarked car had drove up behind me and blocked me in ; So, that I could'nt back out of the driveway. I have been harassed, Followed and caused pain and suffering by the the driver and his partner. when this situation occured my Husband called the police while he is sitting in the backseat suspended in mid-air. The police come and take a report and tell/Instruct the driver not to have any contact or come with-in XXXX feet of me or the vehicle ; Until, I made contact with the finance company on Monday XXXX/XXXX/16 by the end of business day. During the week-end I was still under attack by the Truck driver and his partner, constant following and the ended up picking the vehicle up on the day prior of the instructions by the police. the vehicle was then taken to the vendor XXXX XXXX XXXX who contracts with the towing company XXXX XXXX in XXXX, Arizona. After paying the $ XXXX to get my vehicle back from out of Repo status the Vendor told me the car was damaged and not operative the Tire Rod had been Busted and Gas tank had sugar poured into It. 
I had to wait 1 week before picking up the car.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 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: Account information incorrect

Complaint: I settled a XXXX XXXX XXXXXXXX account for less than full balance and was n't sent a XXXX. 
This company should no longer be reporting negatively on my credit reports. Please have this deleted immediately.

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 05/25/2015 about Debt collection (Federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I asked for a validation of the alleged debt this was back in XXXX and they have yet to comply. They have defaulted on my Administrative process, I sent a cease and desist letter, they then sent all correspondence to a third party which is an attorney. But they have not validated the alleged debt, and this attorney and I do not have a contract, he is not licensed in my state of XXXX, he is in XXXX. I have all letters that they sent me as well as the attorney. I have a copyright for the name in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Consumer Loan (Vehicle loan) with MCMC Auto LTD (TX).
Issue: Problems when you are unable to pay

Complaint: I have a recently purchased a auto loan MCMC also known an mike carlson motors company in XX/XX/XXXX. I recently became due for my second payment XX/XX/XXXX, Sunday. Keep in my I secured a post dated payment for XX/XX/XXXX, Saturday for my payment due to my paydate being deposited friday evening giving time for funds to clear into my account. I received a phome call today, XX/XX/XXXX from MCMC customer service department. I confirmed that i did secure the post dated payment last week, however the customer service representative was abrasive and rude. Advising i should have paid my car loan on my last paydate, knowing i was due the XX/XX/XXXX. I tried to inform i had cover my rent and other bills ... .but she was still rude, cut me off in mid sentences. Threatened that there was no grace period and my account can go into management review, when i inquired on what she meant, no direct answer or clarification was given. To me, felt like a threat rather than a fact. I understand I have a responsibility amd communication should be given. But if i feel threatened or not given the chance to speak or provide my feedback, that 's a major problem. I have worked in the auto collections industry over 6+ years, and i know as a consumer and a worker who maintain FDCPA laws, this is not what their practicing. And they should be reported or monitored on how they talk to the consumers or customers. They will not XXXX or have a business if they continue to use their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with Continental Finance Company, LLC (VA).
Issue: Late fee

Complaint: XXXX, I have XXXX credit card accounts with Continental Finance ( XXXX ). They are very high interest cards that I took out right after I successfully completed XXXX Bankruptcy. I pay on time every month, through their website. I have noticed several times that when I sign on to make my payment, inexplicably and under the guise " for your protection '' the system asks me to change my password. Although, I follow the instructions carefully and answer my security questions correctly, there are repeated error messages forcing me to become locked out of the system and to call the customer service number on the back of my card. Because I often pay either on the day before or the day that my payment is due, this action I feel puts me at risk of being late in making my payment, thus resulting in paying the credit card company not only my payment that is due but a hefty late payment fee of {$35.00}. ( This has occurred about XXXX or XXXX times ). Throughout the month I am often checking my account online, but I have noticed that the system requires me to change my password only around the time that a payment is due. I have complained to the company, but they only reply " it is added security for your protection '' or " or try to make your payments earlier ''. Please investigate this matter.

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 05/20/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing statement

Complaint: On XXXX/XXXX/15 we paid {$2700.00} thru the Citibank on-line customer service website for Citibank Master Card charges that were due. We were shown a balance of {$0.00}. 
Starting on XXXX/XXXX/15 thru XXXX/XXXX/15 we charged {$4900.00}. We had {$2100.00} in credits and payments, so our balance as of XXXX/XXXX/15 should be {$2800.00}. 
The Citibank on-line customer service website shows a balance that we owe {$3700.00}. 
When we called to inquire about the difference of {$960.00}, we were told by customer service and management that our payment on XXXX/XXXX/15 did not pay all our charges ( even though the balance showed as {$0.00} owed after the payment ) because the Citibank on-line customer service website is a different system than the statement system that Citibank uses to track your charges. 
We then asked why the Citibank on-line customer service website is available for our use as customers to see our charges and make payments if it is not accurately reflecting our Citibank MasterCard use. We were told by customer service and management that Citibank uses XXXX different systems. 
We have had this Citibank MasterCard for 11 years. We have been paying our balance in full thru the Citibank on-line customer service website for at least the last 8 years, and have never owed or paid any interest charges. 
We feel that Citibank has withheld posting some of our charges on the Citibank on-line customer service website so that we would not know the correct balance to pay ( or we would pay an inaccurate amount ) so then they could charge us interest on the unpaid balance the next month. The {$23.00} that we were charged for interest was minimal, but multiplied by XXXX of customers ( if Citibank is involved in fraud ) would profit Citibank XXXX of dollars. 
We would like an investigation. We do not believe that we owe the additional {$960.00} because the Citibank on-line customer service website showed a {$0.00} balance due after our payment of {$2700.00} on XXXX/XXXX/15. We used the Citibank on-line customer service website in good faith. If the Citibank online customer service website is not accurate and in sync with Citibank 's statement system, Citibank should not make it available for customers to use and trust.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-05-2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX/XXXX/XXXX we signed a lease agreement for a specific monthly payment of {$260.00} for 24 months. We payed the first installed by credit card to the dealership on the same day.The dealership sent in a different " signed " document with a first payment of {$330.00} to General Motors financial leasing. 
We are being billed for the different amount. 
We have sent the agreed to amounts to GM financial along with all supporting documents concerning the contract amount.
We have had several conversations and emails between the dealership and GM Finanacial.
We have been told by the dealership that the issue had been resolved, however GM has no record of it as of this date.
I have attached a chronological list of correspondence with the dealership and GM. 
Please note that we received a past due phone call from GM on XXXX/XXXX/XXXX even though the dealership and GM both stated that the first payment had been received.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been disputing inaccurate information with Experian for over a year and now about inaccurate accounts listed on my report. They have stopped responding to any dispute i send by mail. I also contacted them about inquires since XXXX 2015 and they told me to contact the creditor. I did contact them all and i did not get a response back as all.

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 12-07-2017 about Debt collection (Medical debt) with R.A.Rogers, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/17 I contacted XXXX XXXX XXXX XXXX XXXX  and spoke to XXXX XXXX. I asked her if her company had debt that I owed them. She looked up my name and said " No it was sent back to XXXX XXXX XXXX XXXX '' I said well your company continues to report this on my credit report would you please stop. She became Irate and told me to dispute it through the credit bureau and hung up the phone.

Company response to consumer: Closed with explanation