milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (ND).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I spoke with a representative when they called me a few weeks ago, when they called my work phone number. Prior to me talking to them, they had left messages on my phone, called my husbands phone, all three of my children 's phone and somehow they got a hold of my ex-husbands phone number and called him as well. 

On that phone conversation a couple of weeks ago, I let them know that I would not be able to pay the debt until sometime this spring. I asked them to only call my phone number. I specifically told them they could not call me at work, nor could they call any other phone number of anyone else. Some of the people they are calling are not even related to me, and they continue to call me. Today, XX/XX/2018, they called my step-daughter and told her I needed to contact them about a debt. I didn't think they could tell anyone else that I owed a debt. She was concerned because she thought they may have also called her mom ( my husband 's ex-wife ). They have called my XXXX  year-old father-in-law. I told them I would contact them when I could take care of the debt and that they were only allowed to try to contact me via mail and my phone number. 

In the initial phone conversation, they would not give me their address. Today, I got their address and have sent them a letter indicating that they may only contact me by mail or my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed incorrect judgement information on my credit report twice and submitted paperwork showing that those XXXX judgements are NOT money judgements. They have them listed as if they are money judgements. I spoke to customer service as well and submitted paper work and when through a dispute twice already. I spoke to the court myself and they said those are reported incorrectly and a money judgement was never obtained from the creditor. I never had a money judgement at all. Those were possession judgements. The other XXXX credit reporting agencies took them off immediately but Equifax wo n't even listen. You can see there was no money judgement if you look on number XXXX on both pages. it 's checked and clearly shows there was never a money judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Home equity loan or line of credit) with Experian Information Solutions Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The loan number XXXX for {$190.00} says we owe {$19000.00} and behind. According to XXXX XXXX Loans we owe for XXXX XXXX, XXXX subsequent monthly installments. We have an order form signed XXXX XXXX 2013 that Mortgage Lien of XXXX will be Wholly unsecured pursuant to XXXX XXXX XXXX, and upon proof of service as required by the Court, and a hearing on the Motion having been held on XXXX XXXX, 2013 to void and release concerning Mortgage lien to the Chapter XXXX. So please remove said amount and say it was taken care of through Chapter 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 04/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Penn Credit is attempting collection of an alleged debt on behalf of XXXX XXXX who had provided brokered gas utility service to us when we lived in Illinois. We have provided documentation from XXXX XXXX of Illinois to both XXXX and Penn Credit proving XXXX has been paid in full by XXXX on our behalf, yet collection efforts continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (I do not know) with Alliant Capital Management LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They Keep calling my mother numerous times a day & blowing up her phone constantly. They are also repeatedly calling my number & now trying to use a local number for me to answer! I do n't know who this company is. NEVER received a letter stating about this debt AND ITS NOT ON MY CREDIT REPORT. PLEASE REPORT THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Another person who has the same name as me and lives in the same large metropolis as I do took out a loan. Although the creditor did not have my social security number or date of birth, the debt was reported on my credit report, not the debtor 's. I contacted the creditor, and they confirmed that they do not have any of my information ( address, phone number, SSN, or birthdate ) on file, but rather have different personal information about this person who has the same name as me. I 've disputed the issue with the credit reporting company and am awaiting a final response. However, it is inappropriate to put information on my credit report to begin with without any reason to think that the account belongs to me except for a common first and last name. The credit reporting agency has a duty to take very basic steps to ensure the accuracy of its reports, and it failed. Although I expect my dispute to be resolved in my favor, why should I have to go through this effort and wait 3 months for a resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information which lead to a data leak that impacted my personal data. Additionally, I 'm upset with how Equifax handled their mistake. I was never personally notified that my data was leaked, and had to find out via social media and check for myself if my data was impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: There is old outdated credit on my file when I dispute the information Equifax just updates information does n't accurately dispute the information I do n't believe it even does to the creditor who is reporting. Since I joined the credit monitoring program my score has gone down significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Payday loan () with CURO Intermediate Holdings (TN).
Issue: Can't stop charges to bank account

Complaint: I was in a accident and fell behind on my finances due to doctors bills and extra travel I then joined a debt consolidation company to help lower payments and get paid off the payments will start XXXX XXXX and these people keep trying to charge my checking acct causing overdraft charges to increase debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: In thirteen years of good faith payments, OCWEN financial shows a primary balance on my mother 's mortgage loan ( a loan that I am beneficiary of ) that is only several thousand dollars less than the original loan amount. OCWEN also has never reported any of her payments to any credit reporting agency, which negatively impacts her credit score. For   undisclosed reasons by the company, the escrow account attached to the mortgage loan is nearly {$3000.00} in deficit, despite monthly escrow payments included with billing statements. The escrow balance statement makes absolutely no sense, as the payments " received '' do not reflect the actual payments supposedly included in the monthly mortgage payment. On top of this, despite the monthly escrow payments, my mother is somehow behind on her property taxes. This loan was originally held by  XXXX   XXXX   XXXX  which went bankrupt in   XXXX   due to the subprime housing collapse. OCWEN is now not disclosing who actually owns the loan, since  XXXX  is defunct. Beyond the previously mentioned items, the loan maturity date of  XXXX  is outdated by the actual date the mortgage would be paid  off (   XXXX   ) by 1 5 years according to how the mortgage payments are now being distributed between principle, interest, and escrow. OCWEN has never disclosed any information to my mother, or myself, about options to refinance with a lower interest rate and have failed to disclose the missing escrow monies. It also appears th at OCWEN failed  to actually put money into escrow for the first three years of the loan, even though it was intended in the contract - this is the only explanation for the unpaid property tax situation. OCWEN has also not disclosed who underwrote the home owner 's insurance, so there is no way to tell if escrow monies are actually being paid toward home owner 's insurance and property tax, or if there is simply no insurance on the house or mortgage loan at all. This subprime mortgage loan is probably one of the last in the country that is left from the housing crisis of   XXXX  , and was intentionally designed to fail from the beginning, however, to the companies dismay, the payments were kept current, and the hosue did n't fall into default and subsequently disclosure. Instead, the company decided to bilk my mother of thousands of dollars that are missing from the principal balance payments and escrow monies, leaving me to pick up the tab when she passes on. OCWEN also refuses to release information in a timely manner, stating a processing time of  4 bu siness days for loan payment history, and documentation regarding the ownership of the loan. This is time that could be spent doctoring documents.

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 05-01-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MD).
Issue: Trouble during payment process

Complaint: Have submitted a prior compliant under number  XXXX . The complaint shows closed, but have been unable to read the company 's answer and justification for closing the complaint. Until I can read their reply, I consider this matter unresolved.

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 07-06-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I noticed two fraudulent charges to my checking account, one for {$18.00} at a XXXX in XXXX, GA, and one for {$1000.00} at a XXXX XXXX XXXX XXXX in XXXX, GA. I still have my debit card associated with this account. I reported the fraudulent charges the evening of XX/XX/XXXX, my bank cancelled the card, and mailed me a new one. The bank stated nothing could be done until the charges posted to my account, and I should call the businesses to see if there was anything they could do in the meantime. The following morning of XX/XX/XXXX, I called XXXX and was told there was nothing they could do. I called XXXX 's XXXX XXXX and spoke to a manager named XXXX, he stated he was the one who ran the transaction the previous day. He stated the guy had a physical card with my card number and expiration date on it, a different name and CVV code, and a driver 's license that matched the name on the debit card. He also stated the card was run as a credit card, the guy signed for it, and the name listed on the receipt was the same as the name on the card and driver 's license. I informed my bank of the information. The charges did not post to my account until the morning of XX/XX/XXXX, at which time I called my bank and an official claim was started. I was advised that the process could take up to 10 business days. After 9 business days I had not heard anything so I contacted my bank on the evening of XX/XX/XXXX. They stated, " I have reviewed your account and our records show that your claim in the amount of {$1000.00} & {$18.00} has been reviewed and resolved. Our records show that the claim was unsuccessful because there was no indication of fraudulent activity with the transaction. '' My bank was closed the following day for XX/XX/XXXX. The morning of XX/XX/XXXX I made contact with a social media representative, XXXX, of my bank. She asked for me to direct message her my phone number and she would be in touch with me. The morning of XX/XX/XXXX I received a call from XXXX, she transferred me to the fraud claims department at my bank. After telling them again I did not make the two fraudulent charges, they reopened the claim for further investigation. I was told the process could take another 10 business days. I filed a police report in XXXX County ( the area in which the fraudulent charges took place ) with the above information. I then filed a police report in XXXX XXXX County ( the area in which I reside ) with the above information including the case number of the other police report. I went to my nearest bank branch and asked them attach the two police reports to my claim. I have yet to hear anything from my bank concerning a resolution or any actions taken.

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 08/28/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: need what I owe for hud settlement hud 1 formchase was supposed to write this offneed amt nd acct #

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with M&T BANK CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: The name of the bank is suppose to be m and t bank instead on my XXXX credit report it lists at manufactures and trades. There is no contact information for this creditor on my XXXX 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 04-09-2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently requested a copy of my annual credit report and notice an item on it that does not belong to me. It is a credit card by Chase and it has me listed as an authorized user, which I never requested. I send a letter to Chase disputing this account and they did not respond. Now they pull a hard inquiry on my report which I did not authorize. I want this account and the inquiry removed from all of my credit reports since this account is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: This is response to a earlier complaint against Equifax - CFPB  Case No .  XXXX .  <P/> Once again, Equifax have violated the FCRA! Wondering if CFPB are even paying attention to this matter, instead chose to close the said case without fully reviewing entirety. I wo n't be surprised EQUIFAX does not take CFPB seriously!  <P/> Once again, I am disputing - On or before   XX/XX/XXXX   ; AND on or before   XX/XX/XXXX   ; AND on or before  XX/XX/XXXX   ; AND on or before   XX/XX/XXXX   ; AND AGAIN on or before   XX/XX/XXXX  , I have repeatedly disputed - via Certified Letters - to both the creditors as well as to EQUIFAX without any satisfaction. EQUIFAX will always claim they will review / investigate this matter and yet to ever report their findings!  <P/> EQUIFAX continues to report incorrect statuses. No response other than a computer generated response from EQUIFAX stating they will review / investigate. Because of the EQUIFAX not responding indicates a clear violations of the FCRA. See below typical response from EQUIFAX : COMPANY 'S INTERIM RESPONSE " Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. '' COMPANY 'S RESPONSE " Equifax has reviewed the complaint and its records. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. Please note that for future disputes of credit report information, visit www.equifax.com. '' Please be advise that I have sent over  twenty  certified letters (  11  to be exact ) since  XXXX  to both Creditors and as well as to EQUIFAX disputing and requesting debt validations. These alleged debts have been on my credit report since  XXXX , though I paid these debts in full in  XXXX   XXXX !.  <P/> I have requested Debt Validation from EQUIFAX : a )  XXXX  / Preferred Customer Acct No.  XXXX  b  XXXX   XXXX  /  XXXX   XXXX  Acct  XXXX .  XXXX   XXXX  )   XXXX   XXXX   XXXX   Acct No.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Letter requiring your urgent wisdom and assistance because of the Harassing and Negligent acts ignoring all legal documents of resolve by the Bureau of Consumer Protection by : Di Tech Financial LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Phone XXXX XXXX Fax XXXX XXXX Account # XXXX There was a complaint registered by myself on XXXX XXXX, 2015 about what was then Green Tree Servicing, LLC - BCP XXXX. It stated that Green Tree reneged on a written mortgage agreement of payment. The result was that Green Tree DID NOT solve any of the issues but sold my account to DiTech Financial, LLC dispite the written resolution in the concluding documents of the complaint. I have not missed one payment, continued to pay DiTech, but they have continuously harassed me from the time they received my account with at least 100 calls per month and with each payment that I make I have still been penalized with so many late fees that it adds up to monthly payments. This is occurring even thought I have made over the required payment each month consistently since being pushed into this company. To make matters worst they have just sent me a threatening default notice without applying any of the over payment monies to the account. 
1. They have refused to follow the resolution of the case documented. 
2. They are still demanding another months payment or else. 
3. They are ignoring the over payment in my account 4. Keep charging me late payment on payments received as promised ( end of month ). 
5. Collecting these late charges until they become as big as monthly payments. 
6. Using the charges to push me into negative status and harassing default notice. 
I have followed all documents to the letter and number and Di Tech Financial, LLC as well as Green Tree Servicing, LLC before them have continuously ignored all the legal documents and aggressively done what they wanted, as they are now trying to force me to foreclose on my house. 
I seek your wisdom on this immediate matter as they, Di Tech Financial, LLC, is giving me 30 days in their latest harassing default letter to respond with a payment that is in error ( especially since on the day that their letter was created I MADE A DOCUMENTED OVER THE REQUIRED MONTHLY CONSISTENT PAYMENT. ) Eagerly waiting your response, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: Hello, XX/XX/2015 I signed up for the Citi Gold checking account to receive XXXX miles though XXXX. The requirments were, Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/15. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank XXXX XXXX which must be posted to the new checking account. 
And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 
I met all the requirement and Citi confirmed I would receive my XXXX points by XXXX. I have tried contacting Citi several times about this issue with no feedback or resolution. I am also being charged {$30.00} a month for my checking account to stay open.

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 04/16/2018 about Mortgage (FHA mortgage) with Envoy Mortgage Ltd. (GA).
Issue: Incorrect information on your report

Complaint: Regarding the late reporting of my mortgage account with Envoy, I am disputing this recorddue to the fact that this was in fact paid. This should not report on my credit report as a 30delinquent account for this reason. The reason this is reporting is due to the fact that mymortgage was sold From Envoy to XXXX XXXX, and during this transition period, it appearsthis got mixed up. I received confirmation that my payment was made and had beenreceived from Envoy shortly after my payment was made. I later received information statingthat my payment was not received and that I would have to wait until the transfer of the loanwas processed before I could even make the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation