milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do NOT have a signed contract nor any contract with XXXX XXXX or XXXX XXXX I have NEVER done business with any of these companies. I am NOT LIABLE for collection from this debt from any of the " companies ''. I am NOT RESPONSIBLE for these debts.

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 07/13/2017 about Debt collection (Other debt) with Monterey Financial Services LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX/XXXX/17 I called Monterey Collections along with a financial counselor who is helping me with this case. We called because I discovered some fraudulent accounts on my credit report. When we called we spoke with XXXX XXXX ID # XXXX who basically accused me of giving my grandson authorization to speak on my behalf and said that I signed for a dog when I never did. When I would try to explain myself she would talk over me and would n't let me explain myself. I was trying to tell her that I never authorized anyone to purchase a dog and that I found out about this debt after I was contacted by the collection agency. She continued to say that I did authorized this dog purchase as I was calling to try to find a solution about this fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: This is in response to case number XXXX. I placed a complaint against Bank of America, and just got a summary of research from Bank of America. Am I really to expect that BOA would honestly and without prejudice conduct pure research into my complaint against them? Is there not an independent omsbudsman or review panel to investigate claims? In my original claim, I specifically stated that my case was mismanaged, and yet, the word " mismanage '' did not occur anywhere in the summary of their findings. Therefore, I argue that they had bias in conducting this research because of the omission of this claim. Furthermore, XXXX XXXX stated repeatedly how Bank of America wants customers " to be pleased '' with their service. Again, if this research was carried out independently, this is a statement that should not be made. XXXX XXXX stated that BOA was grateful for me paying off the loan in full, which is ironic because during the payout process, BOA " advisers '' suggested I should in fact do a short sale if I could not bring the full amount I owed to the closing. The simple fact that I am sking for {$5000.00} in forgiveness towards INTEREST - not principle mind you, but INTEREST - and BOA will not concede is frightening. {$5000.00} is less than XXXX XXXX of the BOA CEO 's paycheck. So BOA thanks me for saving them money by not conducting a short sale, but can not do any more than verbally acknowledge this point. 
In summary - I disagree with allowing BOA to conduct their own investigation as this is not impartial. They missed many facts including the main one that BOA mismanaged my account and summarily dismissed any short sale assistance because of incompetence by their agents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage provider Ditech decided without out my permission or reason to add earthquake insurance to my escrow. I live in Michigan where earthquake insurance is not required and I do n't find it to be necessary. I sent an e-mail to Ditech asking why this insurance was added to my escrow. I received an auto reply and then the next day I received a second e-mail stating that my request was being reviewed for appropriate processing. That was two days ago and they have not bothered to follow up with an answer. I am sure that it should not take that long to provide me with an answer if they were planning on telling me the truth. 

I do plan on contacting a lawyer to help me review and explain the escrow to me. I do know that the earthquake insurance should not have been added to my escrow. I prefer to communicate via e-mail because you ca n't deny the conversation. I do not want to discuss this matter over the phone with Ditech being that I do not have a way to record the conversation. Any and everything can be denied being said when you have no hard proof to back you up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CT).
Issue: Problems when you are unable to pay

Complaint: I have been trying to access my synchrony bank account through amazon for weeks. they say my bill is late and when I try to pay it I can not open my account. this has happened several times they are the worst company I have ever worked with, they are completely non-communicative and seem to take measures to keep one out of ones account. Please help, this effects my credit rating. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: There is a hard inquiry on my credit report which I did n't authorize. The inquiry appears XXXX and is from a company called XXXX XXXX XXXX, XXXX. I was told inquiries can only be removed from the company who placed them on the report. I called XXXX XXXX XXXX , XXXX and was told they pulled the report for XXXX XXXX XXXX. I have a document which indicates this was for an application for a Home Loan. I never applied for a home loan. The application does n't have my signature and is not dated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (I do not know) with Worldwide Processing Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A COMPANY CALLED XXXX also known as worldwide processing group have been calling me and making threats to contact my family members, job, neighbors about a debt that I dont owe and demanding that I call them back the calls are frequent and odd times with various verbal threats such as we will make sure we contact all your acquantances. they use various phone numbers XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: this company XXXX says i owe them when i paid this bill off and they are trying to say i owe {$2500.00}, they keep calling me and harassing me saying i better pay it or they will sue me. I'm tired of the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax is reporting my information with multiple negative comments on my report. After debt has been paid. Disputed XXXX more then once. XXXX has been paid and they keep selling my account and the other companies threatening a lawsuit. Harassing calls. Tried to pay XXXX directly and they wo n't speak to me they send me to the other company. Whom I paid and then they sold it to another company. Equifax has report other paid credit card debts as charge off. As well as stating it 's paid another count again adds more negative comments. It 's rediculous. I have had false medical accounts deleted from XXXX credit report but equifax refuses. This credit bureau is ruining my credit with ittsnpaidts in accuracies. As well as XXXX not reporting information correctly. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to sell my house and Ocwen is not getting me a payoff for my loan. They continue to tell me I will have it in 24 hours. It has been days and I still do n't have it. I think this may be a tactic to charge a late fee. Also they sent a letter informing me my mortgage payment was increasing over 10 %. The letter said the reason for the increase was coming in a separate letter. That was over 45 days ago, I still have not received an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We ask for a modification starting XXXX XXXX, due to our loan payment going from XXXX to XXXX. We had did a modification XXXX we were suppose to have a fix rate. We was upside down in our loan XXXX and the value at the time was XXXX. We started the process of a loan modification. Due to XXXX she had gotten worse and I was XXXX. I do the communication with RCS. I was recovering it delayed the process until XXXX XXXX. RCS and I communicate back and forward about the loan modification. My point of contact person XXXX XXXX assured me that there was nothing to worry about do n't send in any payments because they was processing the loan modification. I have a letter documenting the whole process. I will upload. I received a letter from there attorney office stating they was foreclosing on our home. The sale date is XXXX/XXXX/XXXX Thank You, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WA).
Issue: Application, originator, mortgage broker

Complaint: My house payment was in the XXXX range. US BANK OFFERED A REFINANCE SO THAT WE COULD PAY OFF MY XXXX LINE OF CREDIT WITH THEM. They raised our interest rate by XXXX points. They did not pay off the XXXX line of credit that the claim I owe. My XXXX husband opened this line of credit & ai thin at least half should be removed. They face my husband ( the new one : XXXX XXXX a limited amount & only let him pay off certain debts. We now have a larger house payment, higher interest & they refuse to roll in this line of credit that 's chocking me. We worked again with XXXX at your branch on XXXX only to be turned down. Again & again we have been denied both by VA & US BANK. My husband & I have XXXX or better credit scores, decent income, own XXXX homed & XXXX cars. UsS bank prefers to leave me with their 16 % line of credit ( XXXX ) rather that roll that into our us bank home mortgage. Much more lucrative for them & they will likely end up Peking our house as they are chocking us with 7 % mortgage & 16 % line of credit XXXX XXXX ). My husband has SS & a great XXXX pension. Is his XXXX yr old age a factor? Iwe own XXXX homes free & clear & another only XXXX left on mortgage. The one we 're living in we owe XXXX thanks TO US BANK. Please advise XXXX & XXXX XXXX XXXX XXXX ( also their drive by appraisal of our home was very low -- XXXX trailer in front that blocked the homes view..! ) we are disappointed & my husband has XXXX XXXX XXXX. His stress is now enormous that 's to the lies & the " No '' s we were given. Our veterans deserve better. He has more integrity than US bank will ever know. 
Cheated out of our opportunity in XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA 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 02-07-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: sometime the end of XXXX Bank of America closed my ATM card and sent a new XXXX which I activated. The new card that was activated keeps being declined even thou I have the funds. Calling them, after being on hold for someone the phone hangs up. I cant spend the entire day calling I have to work. My card was declined XXXX XXXX and again XXXX XXXX. On the XXXX a text was sent to me asking if I tried to make the purchase and I responded yes. They have my card lock so I cant use it anywhere. On XXXX XXXX I made an online payment for my electric which I checked and that amount was taken out. A few days later it was put back only to be taken out again on the XXXX. When I checked my account on the XXXX of XXXX and saw I had extra money in there I paid other bills. I did n't realize they put back the amount I paid on the XXXX, this made XXXX transactions overdraft, this is how they make money confuse people thinking they have money by putting back payment that was taken out and pulling it back out a few days later. These fees should have been refunded and the bank needs to stop playing games. Other people in my family say the same thing, they make online payment, see its out of there account then a day or so later is put back into the account and taken back out XXXX to five days later. These XXXX fees needs to be refunded since its their fault for putting money back into my account, after I 'm thinking its out and then waiting 5 days later to pull it out again. My ATM card needs to be active so I can use, and not have every purchase declined.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however XXXX is still receiving regular payments from me so I should get something for that.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit card () with WELLS FARGO & COMPANY (AL).
Issue: Late fee

Complaint: I have a Wells Fargo credit card. I also have a Wells Fargo checking and savings account. I automatically pay my credit card bill, monthly, using Wells Fargo Bill Pay. They just simply send a e-bill to my checking account, and the funds are automatically sent to the Credit card payment center. This last month they charged me a late fee ( {$27.00} ), saying the transfer did not take place in time, since a " check '' has to be mailed from the Bank to the Credit division of the same bank. I have resolved the issue ( I think ), and the Credit card division said the late fee would be waived and a credit to my account would show up on the next billing statement. My concern is that this is happening at all. The whole process is antiquated. How much is WF cheating others who do not watch for transactions like this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Deposits and withdrawals

Complaint: I made a transfer from my XXXX XXXX XXXX checking account to my HSBC savings account using online banking ( bill pay ) as I have done for years. The {$3000.00} was deposited in my HSBC account and then they took it out charged a fee and sent a check to me marked " refer to maker '' on it. I took that to a XXXX XXXX XXXX branch and they deposited it into my XXXX account. Then a few days later it was taken out of my XXXX account again with a " refer to maker '' error. I again went to XXXX to get information and they put in a request for research. I then had a rep from XXXX contact me and state that they are doing a treasury trace but that HSBC presented the check to the treasury 4 times and that they still had the {$3000.00}. XXXX has been attempting to contact HSBC to get them to research it to no avail as they state the money is with XXXX XXXX XXXX. This has been going on since XX/XX/XXXX and I feel that I have been defrauded out of XXXX since each bank is blaming the other and no one can seem to get my {$3000.00} back into either account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Checking or savings account (CD (Certificate of Deposit)) with PACIFIC WESTERN BANK (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I am the Trustee of the XXXX XXXX XXXX Revocable Trust. XXXX XXXX is XXXX. She opened her CD in XXXX XXXX XXXX  Pacific Western Bank a year ago. Her CD in the amount of {$160000.00} matured on X/XX/17. In XXXX of this year, XXXX XXXX  moved into XXXX XXXX. She needed her funds for her care. I sent a letter of instruction dated XXXX XXXX, 2017 requesting full liquidation on the maturity date and included a deposit slip with transfer details. I was informed PWB could not transfer the money. I offered to come into the branch but it was now closed and the accounts moved to XXXX. I was advised the check had to be mailed. I did not receive the check. I made several calls and was advised to just wait. After many weeks I was asked to send a deposit slip and voided check so they could walk the check to XXXX XXXX XXXX  bank ( XXXX XXXX ) for deposit. I was then contacted by : XXXX XXXX  Assistant Vice President Branch Operations Manager Pacific Western Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX XXXX XXXX XXXX XXXX told me all previous bank associates were not giving me the correct information. They could not reissue the check because it was a cashier 's check. I would now have to complete a stop payment and declaration of loss and indemnity form before they could start the process, then wait 90 DAYS before reissuing. The form was ambiguous. I had my client 's attorney review. There are protections for the bank but not for the client. I do not want to sign this form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX a Giant in the communications world feels the need to continue reporting negatively on my credit report I an Fully XXXX and have paid the creditor in full account XXXX continues to report negatively simply for sport

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2016 about Consumer Loan (Vehicle loan) with DriveTime (TN).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX Chevy HHR XX/XX/2013 from Drivetime for XXXX-XXXX. I ca n't remember the exact price because I do n't have the paperwork with me but it was in that range and I do have the paperwork. At the time I did not realize that this price was way too much for this vehicle. I admit I did not do my research. Be that as it may, some how I find myself 3 years and 4 months into a 6 year loan and I still owe over XXXX dollars on this car. This car in excellent condition for trade is only valued at $ XXXX- {$4300.00}. How is this fair? I 'm in the military and my family has grown since the purchase of this car and we really need to be able to trade or sell this vehicle for a larger one but we are upside down and trapped so it is hopeless and impossible. I 've have talked to several dealerships, private sellers and auctioneers, and even drivetime themselves to see if anyone can do anything for me and all of them have said it 's not possible with what you owe on the vehicle. I even tried to see if drivetime would allow me to trade to them for a larger vehicle and just roll the remaining balance into the new loan and they said I just owe too much. Which is crazy cause I owe exactly what they told me to pay for the vehicle. I 'm just lost and at my wit 's end and hope you can help me remedy this situation. I 'm not looking for anything extravagant or any extras I just want to be treated fairly so that me and my family can have the proper sized vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had a collection placed on my credit report by Diversified Consultants, XXXX. XXXX XXXX, XXXX, FL XXXX, phone ( XXXX ) XXXX. The collection is for {$43.00} on an account that does not belong to me that was apparently originated by XXXX for an unpaid cable television bill. I called and told Diversified that it was not my account and they said I would have to call XXXX. I called XXXX and they said I would have to get a police report and report it as identity theft. I cant make a police report if it is purely a XXXX mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: U S Bank claims the payment is late for about 6 months now. Furthermore, they have falsely reported to all XXXX credit bureaus as late. I have checks and documentation to prove it has never been late, moreover, the online account even shows the mortgage to have been paid on- time for the past 6 ( six ) years. On a daily basis they call and harass with threats and I continually tell them I have sent certified letters explaining the mistake and showing the mortgage to be paid as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation