milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: A bankruptcy account number  XXXX  is reporting on my credit report. I went to the courthouse they have no record of my social security in their system. They also told me that information is not public record and they do n't report to the credit bureau. They said its an error with the credit bureau.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a second mortgage loan originated by XXXX XXXX XXXX that was included in a bankruptcy filing in XXXX. XXXX XXXX XXXX subsequently sold/transferred that loan to Green Tree servicing company. The loan was discharged in bankruptcy in XXXX XXXX and account was closed by Green Tree. I received a letter from Green Tree at that time confirming that the loan was discharged in bankruptcy. 

Three years later in XXXX, Ditech ( which had merged with Green Tree ) began submitting false information to the credit bureaus stating that this loan was active and that I was " missing payments '' on four occasions, two months in XXXX and two months in XXXX. The loan number shown on the credit reports is the same loan number as the Green Tree mortgage loan. 

I have spoken to Ditech on the phone and they refuse to acknowledge or verify any of this information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Conventional fixed mortgage) with POLARIS HOME FUNDING CORP (GA).
Issue: Credit decision / Underwriting

Complaint: I received a letter in the mail from Polaris Home Funding Corp. This I learned after I called the number which made the letter seem as if it was sent from my mortgage holder. I called only because the letter indicated I had a mortgage balance significantly higher than I have. The letter includes the name of my mortgage company in large bold faced font, an account number under my mortgage company 's name, and the notation URGENT NOTICE! PLEASE ACT IMMEDIATELY! Again, in HUGE FONT. 
I called the number ( XXXX ) and left a message. The voice mail greeting on the number gave a name only and did not indicate the name of the lender. I received a call back from a man who informed me he was with Polaris. He informed me that if I looked at the very bottom of the very official looking letter I received, I could see in the XXXX point font that the letter was from Polaris ( vs the XXXX point HUGE font used at the top of the letter with my lender 's name ). He told me the info in the letter including my mortgage balance comes from the marketing firm they use and can be wrong but assured me that Polaris is legit. He told me Polaris is acting within its legal rights to solicit, and the letter I received complies with legal requirements. 
Really? You send an official looking letter with a loan number on it and direct the recipient to call in immediately. The phone number in the letter does not indicate it is from Polaris. The voicemail greeting on the number provides a name only does not indicate the lender. If this is legal, it should not be. I feel for older borrowers or those who may not realize they are being scammed into contacting someone under false pretenses aka a solicitation letter that looks on its surface to be from the borrower 's lender but is not. 
These letters should require the solicitor to identify itself on the outside of the envelope, under the phone number presented in the letter and when answering the phone/ voice mail greeting. 
To send out this letter and have borrowers call in and divulge personal information should surely be against the law/ truth in lending requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (I do not know) with Executive Acquisitions Group, LLC (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Customer kept calling my home ( at XXXX PST ) to threaten me with arrest for a debt that they refused to state what it was for or who the original creditor was. Called me 4 times in a row, then proceeded to tell me XXXX off and I was a XXXX for stating I would file a complaint against them. Name of the company ( supposedly ) as it appeared on my caller ID is Executive Acquisitions - phone number that came up is XXXX

Company response to consumer: Untimely response
Consumer complaint received 07-12-2017 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: For over 3 years I have been trying to get Citibank to determine what happened to an IRA distribution. It I am the executor of the account and one of the beneficiaries on the account. This problem has existed since my mother was alive and the account was transferred from my late fathers account. All I get is run around and people with less knowledge of IRA 's than me. I have been told that I need to close the account to find the money that they can not find. In the mean time they made 2 additional distributions. They claim that they found the XXXX  and XXXX but not the XXXX distribution that they did not bother to look for ; however, I have not received any written notice of this. I have also been told that they will deposit the missing monies into the account that they wish to close. They also refuse to change the account number as the mail is going to an address that we no longer live at. It has taken 2 years to get the account into my moms name from my deceased dad as they keep on loosing the paperwork that was dropped of at their office and it was finally repaired before she passed away, but not the address. I have made at least 12 calls about this and each time I get an employee with less knowledge and all in the IRA department are not willing to do their jobs and find it and most do not return phone calls but claim that they will in 24 to 48 hours. At this time I am not even sure if this goes back further,

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 08/28/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MO).
Issue: Fraud or scam

Complaint: Pay pall closed my account after I confirmed my identity and refused to release my funds to me. The customer service was very rude and did n't give me any reason why they closed an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received a letter dated XXXX/XXXX/2016 from XXXX XXXX in the XXXX inviting me to call him with any questions. The number Navient provided was XXXX. This number is not a good number. I was re-directed to call XXXX. This is also a non-working number.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law that was effective XXXX XXXX, 2017, any public record data must include the name and address, as well as the SSN and DOB in order to appear on a consumer 's credit file. The Credit Bureau 's have yet to update this information. Per the new law True Bankruptcy listed does not include this  information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On    XXXX   XXXX   XXXX    I made a {$20.00} ATM withdrawal from my credit card and was charged a {$10.00} ATM Withdrawal Fee. I do not recall seeing the disclosure saying that I would be charged {$10.00} for this {$20.00} withdrawal ; If I had, I would not have continued with the transaction. I seem to recall the disclosure stated the standard {$3.00} fee, as when I use my debit card, would be charged.

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 12/22/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold early last year to Carrington Mortgage Services. This company sent me an escrow refund check citing an overage. However, a month or two later they jacked my payments up and told me that my escrow had a shortage. Now a year later they are increasing my payment again after I have been paying an increased amount for the past 12 months. My homeowner 's insurance has n't increased and neither have my taxes. I have read many complaints about Carrington mishandling escrow money. They refuse to admit wrongdoing in issuing me a check and then increasing my payments because of a shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was taken to the hospital while   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX . The bills are essentially workman 's compensation injuries. The state has neglected to resolve this issue in a timely manner, and I am still in the process of having them take care of the bill. Please contact my liaison  XXXX   XXXX  at  XXXX  XXXX  XXXX  or  XXXX

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 03/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage requested information that was unnecessary ( confirmation of SSN for tax purposes, even though the institution had already sent a tax form and clearly had this information. They also did not include a postage-paid business reply envelope, as is good practice for business mail. I responded to this and paid postage myself to get this to them reliably. After being told the notice was in error, I have requested that they refund postage. They have refused and additionally, sent me someone else 's information (!! ) in a response. They keep insisting they sent a response envelope that was paid, while a quick glance on XXXX for this joke of a lender would tell you that no-one got such a paid return envelope. Bad practices and privacy violations are just the tip of the iceberg with these guys, but it 's a place to start.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (FHA mortgage) with WEICHERT FINANCIAL SERVICES (NJ).
Issue: Application, originator, mortgage broker

Complaint: In an effort to make our closing date, Weichert Financial Services has been submitting disclosures to me electronically. While this process is convenient, they have routinely asked me sign within a XXXX hour period despite obvious errors in the disclosures including errors in my own personal ( phone #, home age, work address ), understated monthly payment amounts ( which failed to calculate my property tax correctly despite having done so correctly in previous calculations ), closing cost errors ( including understatement of property tax, failure to extract payments made out of pocket ), etc. I have been routinely asked to " just sign it '' as " it will get corrected and worked during closing ''. However, I feel that this is misaligned with the intended purpose of a disclosure. Luckily, I am an XXXX and XXXX, and while I am not a mortgage expert, I am certainly sensitive to misinformation. With this behavior by Weichert Financial Services, a less vigilant buyer may end up in a mortgage they can not afford. I can certainly appreciate the effort to expedite our process, but I fail to see the benefit in a disclosure process that encourages acknowledgement of inaccurate payment figures, personal information, or mortgage costs. Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (WI).
Issue: Shopping for a loan or lease

Complaint: Refer to Case number XXXX I sent in a complaint regarding XXXX XXXX with a car loan. Last week I found out that Nissan of XXXX XXXX, Wi put through 10 banks for the loan on the credit bureaus which 9 of the loan requested was denied. So I have 9 rejections on the credit bureau that wo n't clear for 2 years which will bring my credit rating down. They should have told me the loan was rejected in the first place instead of trying every bank in the state. This was uncalled just so they can get there commissions and who cares how much damage I do to the customer. Also my brother XXXX XXXX was supposed to be the owner of the vehicle and I was suppose to be the co signer on the loan which never happened. But also they tried to put XXXX credit through 6 banks which was rejected so 16 times they submitted our credit to several banks which was all rejected except one. This is totally uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (Conventional home mortgage) with BANK OF THE WEST (MN).
Issue: Trouble during payment process

Complaint: during the summer of 2017 my home was damaged by hail. I turned a claim in and the insurance company sent an adjuster out. the insurance company issued a check which was made out to myself and Bank Of the West. I signed the check and asked BOW to deposit it in my acct. Bank Of the West never put the money in my account, but rather held it till the repairs were completed. well the repairs were completed a month ago, and the cost was much higher than the insurance believed it would be. I paid the last {$2000.00} out of my pocket, but yet Bow wont release the remaining {$890.00} from the insurance settlement. I own the home, I own the policy, and I paid for the repairs. My mortgage is current, it has never been slow, short, or not paid. I believe the Bank of The West is guilty of insurance fraud since they are withholding funds that were destined to be used on the repair of my home.

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 05-08-2015 about Debt collection (Medical) with Med-1 Solutions, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any bill from XXXX XXXX hospital. However, XXXX XXXX XXXX ( XXXX, IN ) has sent me collection letter to pay {$1600.00}. I have requested in writing that I receive detailed bill from the hospital and also gave an offer to pay the account. However, XXXX XXXX XXXX has sent XXXX letter this time included my husband 's name on the collection letter. I feel there are XXXX violations ( XXXX ) I have not received any invoice in writing ; ( XXXX ) XXXX XXXX XXXX has included my husband 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Caliber Home Loans, Inc. (TX).
Issue: Struggling to pay mortgage

Complaint: XXXX and I had a legal dispute regarding their violation of the contract, plus their Deferred Prosecution Agreement in XXXX for Money Laundering, asset forfeiture, {$1.00} Billions with the XXXX. 
In XX/XX/XXXXa point of sale to XXXX XXXX XXXX XXXX was to take ownership and Caliber Home Loans IncXXXX was the new servicers. However, I received many notices about assignments and servicers for months. I was instructed to pay Caliber Home Loans, Inc.XX/XX/XXXX and XXXX was the new owner. 

I did not pay because they did not respond to the contract violation and asset forfeiture which should have included my homestead protected property. I was not convinced they owned the property because the real estate recording instruments did not reflect the change in XXXX per the correspondence. I received many threats to foreclose and I said prove you are the owner and XXXX transition to that ownership. So I did not pay any money to acknowledge a contract from XXXX. 
XXXX XXXX XXXX XXXX and Caliber Home Loans Inc. assigned my homestead property to XXXX XXXX XXXX  XXXX, XXXX. in XX/XX/XXXX. I was served a Foreclosure ( Expedited ) Citation to appear inXX/XX/XXXX 

I tried to explain to the Judge that I did not have a contract with the person who assigned my property XXXX XXXX XXXX  XXXX and the Attorney representing all three entities were the same. My XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXXXX/XX/XXXX AT XXXX. 

I really need some help. I have the information to prove the wrong transfer and assignment and financial the FDCPA alleged cause of foreclosure is not a contract with me since XXXX XXXX XXXX XXXX, Trustee is among the Petitioners. The amount to cure the loan is {$5600.00} for 8 months default. Plus they have added {$40000.00} as deferred interest. 

XXXX has forfeited my asset and XXXX stole my identity to transfer it to XXXX XXXX XXXX, XXXX. This is an intentional predatory loan scheme. The elements to commit a Real Estate Fraud Transaction, Negligence, and Negligent Misrepresentation are all met in the state of Texas. I can not present this because I have a concussion which has some impairments. 

PLEASE CALL ME XXXX ASAP. I do not want to loose my home because I can not present this case. I will pay a lawyer to do so who is a good litigator.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (I do not know) with Western Mercantile Agency, Inc (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Western mercantile is garnishing my wages. The judgment is no longer valid. It was never renewed. This was confirmed by an attorney I have talked with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: NC Medicaid paid this bill already. Please have PMAB , LLC review their files notify any credit reporting agency to delete any item associated with this account # XXXX {$150.00} date XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX at XXXX I received an alert on my cell phone that a large purchase had been made on my debit card. I immediately contact my bank as this was an unauthorized transaction. They needed to transfer me to the debit card fraud department, I was disconnected during the transfer. I immediately called back and had to wait XXXX minutes on hold, during that time another unauthorized purchase was made on my account which I believe would not have happened. When I finally spoke with the representative, they were rude and disrespectful - accusing me of trying to commit fraud. They explained the process ( incorrectly ) and then they did nothing to begin this process. As it was a pin number transaction ( I have the card in my possession ), they told me it would be longer to get the money back. After waiting several days for them to send me the paperwork which required me to respond in a short time frame, I immediately sent the paperwork back along with the police report that I had filed. The documents I signed state one practice, the representative on the phone states another. There is inconsistency to when they will give me back the provisional funds. Now my automatic payments out of the account are not going through, even though I made sure there was money in this account. I ca n't seem to get anyone to give me the same answer twice. It seems as if they are intentionally holding the money even though it is clear that there was fraud on my account. There were false comments put on my account, such as I was traveling which was untrue. They told me to go to a bank to get the documents faster but when I got to the branch they could not help me. It seems as if they are intentionally giving me a run around. On top of that, I am not convinced that a bank representative could not be working with the criminals. I received an email the day after my claim was sent that said I should be using the new card that I received. I had not received a new card since XX/XX/XXXX nor does the bank claim that a new card went out. It makes me wonder exactly how they were able to obtain a duplicate card and pin.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company response to consumer: Closed with explanation