milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: EQUIFAX is reporting a collection account for  XXXX  dollars from  XXXX   XXXX   XXXX , a collector  for   XXXX   XXXX   XXXX   XXXX  /  XXXX   say  I was uninsured by  XXXX  for my employer  XXXX  at the time of servic e in  XX/XX/XXXX .Tha  t  is false.   In addition I had 100 per cent coverage had the incompetents billed correctly.I 'm sending a copy of my  XXXX  POLICY CHECK Cashed by my employ er 2 weeks b efore the hospital service.I 'm also sending proof that the incompetent billers refunded the insurance money paid by  XXXX  FOR ME and then sent me the bill.   I 'm being damaged severely by this ... in the end I will sue and you will be paying my extensive financial losses for Equifax/  XXXX   damaging falsehoods and phony verifications ... not to mention th at  XXXX / XXXX   is operating under CFPB supervision for 5 years from the   XX/XX/XXXX     CONSENT ORDER for  XXXX  OPERATING AS  XXXX   XXXX   XXXX  ( THEY ARE ONE AND THE SAME COMPAN Y ) DELET E TODAY TO MITIGATE YOUR DAMAGE TO ME.   acct. no. is   XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the CA and creditor this not my account. I never signed application. The card was open in XXXX which XXXX club was made aware about it. They called the number of XXXX which my credit was change and PIN numbers with credit agencies was stolen. XXXX XXXX XXXX is the person using my name which I told XXXX fraud department he open the account and other account in m name.

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 07-05-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: This complaint is about TD BANK.   ON  XXXX / XXXX / 2017  was charged a maintenance fee {$25.00} even though the account balance was more than minimum. TD bank calculates balance based on pending transactions before they clear. Example : Min Balance requirement :  XXXX  Charge of  XXXX  pending deposit of  XXXX  pending While pending balance becomes  XXXX  for time being and then when posted, the ending balance becomes  XXXX  =  XXXX  They still charge maintenance fees of {$25.00} since the account went below the min req. in pending status. This type of calculation should not be allowed. They should be charging fees after the transactions are settled.   XXXX  We contact TD bank and they said this is their standard business policy. Maintenance fees should be only charged when the balance actually goes below the min req.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: This is concerning Ocwen Loan service, with my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I first started with a HAMP back in XX/XX/XXXX with XXXX for the person that was renting the home did not get any place with that XXXX kept getting paper work and keeping the rent money where they wanted to foreclosure I file bankruptcy. So we kept trying they kept asking for paper work that I kept sending in. Later they sent it to Ocwen by that time the person who wanted the house moved so I got some one else we start pay ing and still trying to get the modification going not place. So those people moved the last people tried every thing still no progress they asked me to turn it into a lawyer then nothing happen they asked us to get a reality we did, the reality been working with a buyer for just about three years with Ocwen on a short sale. Every time we turn something in we always get something we can not please Ocwen my file is big the reality file is big we were suppose on the short sale on XXXX XXXX XXXX next thing we new they were running it min the paper about Foreclosure, the lawyer called they said they did not say foreclosure I had cut it out of the paper got XXXX of the nurses to fax it to the lawyer I still have that copy. They gave me until XX/XX/XXXX to re submit everything I sent in my RMA the reality stated that her person had sad he was tire of Ocwen he had changed Please I need help I tried everything his mind but on to day which is XXXX XXXX, XXXX he was going to try again if this do not work he will not do it any more. He was going to pay cash for the house. I have tried every thing where am I to go from here if you need anything I can get UPS to send it to you Thanks We will work on one at a time My home house XXXX XXXX XXXX XXXX XXXX some of the same this but a little differ So I got to have some place to stay until I can get everything together. Please help me I am sick tire. The foreclosure was suppose to be XXXX XXXX XXXX but the lawyer called after he got my paper that was in the newpaper. I did not get a Foreclosure letter from a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Medical debt) with State Collection Service, Inc. (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: State collection agency work for  XXXX    XXXX   XXXX  . I am in process to get financial help from the hospital to pay the balance although majority portion of the bills paid my health insurance. Patient is my  XXXX   years old  son. I notify collection agency on  XXXX / XXXX /   17  by fax that I am paying regular basis to  XXXX   XXXX  and my financial aid application is on process. I do not owe this debt and they need to stop contacting with us. This account should not be on collection. But they are ignoring my request and they are in process to effete my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Vehicle loan or lease (Lease) with FORD MOTOR CREDIT CO. (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: On XXXX/XXXX/XXXX, I terminated the lease on my XXXX XXXX XXXX, and returned the car to the dealer. I was informed that I was still responsible for 2 months lease payments totaling {$810.00}. I agreed to pay that amount to XXXX XXXX XXXX XXXX. 

Before I turned the car in to the dealer, XXXX XXXX XXXX XXXX XXXXn XXXX XXXX XXXX, Fl., I had it detailed. I made sure that there was not 1 scratch, mar, ding, dent or stain on the car. The car had XXXX miles on it, and the lease was for 30,000 miles. The tires had enough tread on them for an additional 25,000 miles. Two of the tires had actually been replace with new tires. Since I have seen the scam of " excessive wear fees '' before, I took over 30 pictures to be able to prove that this car, when returned to the dealer was in absolutely pristine condition and had no excess wear. 
The salesman that I bought the car and the dealers Lease Return Officer both inspected the car, and told me and my wife, that this car " looks like it just came out of our showroom, it is that good. ".
When I receive the bill for the 2 payments I owe, they also hit me for an additional {$1000.00} for " Excessive wear and tax ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2015 about Credit card () with BB&T CORPORATION (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My debit card was stolen when I was at a XXXX XXXX in XXXX on XXXX XXXX, 2015. I paid to have my nails done prior to receiving service and my wallet ( onkly containing the debit card and license XXXX were XXXX stolen. I did not realize the wallet had been stolen because it was taken out of my purse and my purse was not stolen. When I discovered that it had been stolen, I immediately reported it stolen on XXXX XXXX, 2015 and got a new license. My fraud claim to the bank ( BB & T ) was denied because they feel like I did not have enough evidence. I have since filed a police report about the charges which were made in another town XXXX XXXX, NC XXXX totaling {$2400.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: I set up a recurring payment on my auto loan that was set to withdraw my monthly payment from my bank account on the XXXX of each month beginning XXXX XXXX 2016. Toyota Financial began withdrawing money on XXXX XXXX 2016, which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (VA).
Issue: Managing the loan or lease

Complaint: This is a complaint about Suntrust. My car was totaled, other party was 100 % negligent, other party 's insurer, XXXX, paid fair market value and my insurer, XXXX, paid the difference to pay off car loan entirely. 
During this time, I received daily harassing phone calls, often before XXXX ET, from Suntrust 's collections department. Each and every time I assured them that the car was totalled and the entire payoff amount was already issued by XXXX and XXXX and provided account numbers supplied by those insurers. Suntrust demanded that I pay my monthly payment directly to them, offering to refund the difference when they processed those checks, and threatening to damage my credit if I did not pay immediately over the phone. On the last such call, Suntrust verified that they received payment and said the account was paid in full. Today I see that my credit report now shows a Delinquency for {$0.00}. I find this to be insulting and abusive treatment.

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 11/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: navient is unwilling to help reduce loan payments to what is affordable for us. they are rude and just do n't care when you call them. when loan was still with XXXX XXXX the helped us with an interest reduction program so that the monthly payments were more affordable, but now that they are navient they WO N'T HELP IN ANYWAY! they told my daughter that because she owns a savings account she does n't qualify for help. my husband and i pay for these loans and have both retired and are on the " fixed income '' we CAN NOT AFFORD {$700.00} PER MONTH, IT WAS HARD ENOUGH AT {$550.00} PER MONTH. BUT THEY CAN NOT EVEN BE REASONED WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX XXXX XXXX  posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a debt on my credit report that I do not owe. The collection company is Focus Receivables Management. It states I owe this company XXXX for a XXXX XXXX XXXX account from 2010. I did not have XXXX XXXX XXXX in 2010. I called XXXX they have no records of me having an account in that year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with WESTERN UNION COMPANY, THE (TX).
Issue: Credit decision / Underwriting

Complaint: Redress Admin contacted me by US mail on XXXX/XXXX/16 XXXX : Paymap Inc, Consent Order XXXX File No. XXXX stating I had not cashed the check they had issued to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX It stated that if I wished to have a new check issued I should make this request before XXXX/XXXX/16. 
I called the phone # listed on the letter & was sent to a different organization. At some point a Supervisor named XXXX confirmed I was due a refund ( Claim # XXXX XXXX XXXX ). 
I submitted my request for a new check on XXXX/XXXX/16 to the email listed on the letter ( XXXXXXXXXXXX ). I received an email on XXXX/XXXX/16 thanking me for my email. I received another email on XXXX/XXXX/16 stating, " You should receive your new check in 4-6 weeks. '' I received another email on XXXX/XXXX/16 stating, " Just wanted to let you know, that yes your reissue request was received before XXXX/XXXX/16 ''. Then I waited. 
Since no check arrived, I sent an email inquiring as to the status of the check on XXXX/XXXX/16 to the same email address. To this email I received no response. 
I followed up this morning w/ phone calls & an email to XXXX XXXX & included a faxed copy of my issue to CFPB. 
In the last hour I received a response from the XXXX XXXX stating the email box was no longer being monitored. I called the phone number listed for XXXX XXXX & they stated since I had copied by fax the issue to CFPB this morning then they could n't discuss it further & that I should work thru CFPB for a resolution. 
I just called CFPB & discussed my issue w/ a Representative & was told that CFPB was helpless to my problem because it was the third party XXXX XXXX & not the original company. 
When I asked this CFPB Rep what I should do he suggested I continue make my request thru the XXXX. 
How do I get this company to issue me the refund check they have both acknowledged that they owe me & acknowledged that I have submitted my claim on time?

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (FHA mortgage) with ACADEMY MORTGAGE CORPORATION (ME).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2015 our home went under contract to sell to a buyer that was never qualified to make the purchase. The buyers lender XXXX XXXX of Academy Mortgage knew this all along and continued to make excuses and give our Realtor XXXX XXXX bad information. After refusing to sign a third extension and demanding the buyer meet with a qualified lender we were notified the buyer could never close the transaction. After XXXX under contract the home has now been relisted. Now the buyers realtor and the lender XXXX XXXX are trying to date a denial letter in an effort to return the buyers earnest money to them. XXXX knew all along the buyer could not get financed and used delay tactics to stall us and keep the home under contract forcing us to continue to make double mortgage payments. XXXX XXXX lied about the status of the loan mutliple times, about the ability of buyer to buy, and shared confidential information about the buyer with a third party. My realtor has examples in email form.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: After calling Equifax on XX/XX/XXXX, I was told that a negative item ( charge-off ) with XXXX which has a balance XXXX ( PAID OFF ) was going to be deleted from my credit report in XX/XX/XXXX following the 7 years-rule for charge-offs deletion since my first day of delinquency was XX/XX/XXXX. Today, after speaking with Equifax again, I was told over the phone that this negative item will no longer be erased from my credit report in XX/XX/XXXX. Apparently, they reset the clock to XX/XX/XXXX because this negative was reported as paid off in XX/XX/XXXX. Moreover, the Equifax representative misled me into believing that the first day of delinquency was the starting date for the 7 years-rules for deletion of negative items. Everything was set for this item to be deleted but suddenly Equifax comes up with new rules. I, hereby, would like to please ask the Consumer Financial Protection Bureau to investigate my case requesting XXXX to honor their agreement with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union keeps, maintains and reports fictitious information. I have contacted them 19 times. Have sent them all of the information they asked for 18 times and only keep getting more requests for the same personal info such as Birth certificate, utility bill, etc. 
I want this fictitious information removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/2016 - Checked my credit report and found an inquiry from company on XX/XX/2016. I did not put in an application for this company and my credit report should not have been run.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Other

Complaint: Portfolio Recovery calls me every day from different numbers trying to collect on a debt from 2007 that was cleared by the credit card company. There is nothing on my credit report and I want for them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I lease a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. I asked Bank of America for a car loan on XX/XX/XXXX which was approved by them. Last month on XX/XX/XXXX I went to the DMV to put the XXXX under my name when they gave me the news that in order to put the XXXX under my name I have to pay the use tax fee of {$3600.00}. I went to the bank and asked why the use tax fee were not pay or why they were not part of the loan. XXXX ( person who helped me approved the loan ) told me to call XXXX XXXX and asked them about the title. I called them & they told me in XXXX that Bank of America was now responsible about the title and the fees. I went again & told XXXX what XXXX XXXX XXXX XXXX told me. As I was handed the forms by XXXX to sign about the loan, I signed a form NOTICE TO PROVIDE FIRST SECURITY INTEREST without being notify by XXXX that I was going to be " responsible to pay all taxes assessed on the vehicle. '' In order to put the XXXX under my name & for me to pay the use taxes, he told me & offer me to Increase my credit on a credit card that I have from Bank of America in order to pay the taxes without paying interest until next year.

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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a request for a reinvestigation to remove negative items on X/XX/17 from my credit report from transunion, they responded and stated that these items were deleted but they are still showing on my transunion credit report. It is important that these items are removed immediately as they do not belong to me.

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 03/14/2017 about Credit card () with SYNCHRONY FINANCIAL ().
Issue: Customer service / Customer relations

Complaint: Synchrony Bank issue - I paid my credit card bill early and the credit card company is listing my account as being late and sending harassing certified letters to my home. I have called once and was assured by a representative that it was solved. The next day yet again another certified letter for the same account and reason. I called the company and the only thing I get is we are sorry this is unacceptable business practice and borderline harassment from a creditor to a consumer that is paying their bill on time if not earlier than due.

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
Consumer complaint received 08/30/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (DE).
Issue: Trouble during payment process

Complaint: My mortgage was transferred to Carrington Mortgage from XXXX XXXX XXXX on XXXX 2016. While I as at XXXX I have never missed a mortgage payment. I received a statement claiming I owe {$4800.00}. My normal mortgage payments are {$950.00}. Carrington Mortgage has changed the amount due ever month since the transfer to them. I pulled my credit report this year and found out I was being reported late for 3 month. I have since made an extra " normal '' mortgage payment to bring my account current. Now Carrington is charging me a monthly late fee for past due amount that I do not owe. My XX/XX/XXXX mortgage payment is not being accepted as they now want a minimum of {$2900.00} of which I do not have. By not accepting my mortgage payment will now cause me to again be late on my credit report, hurting my credit substantially. I need my account corrected, my payments accepted and my credit standing corrected. I have tried to dispute these " Unknown Fees '' that should never have been charged to my account with the credit bureaus and the Carrington Mortgage but the fees are still on my account. It also seems these fees was transferred from my original mortgagor, XXXX XXXX XXXX. As, I have NEVER been late my entire 12 years with them prior to the transfer, I should never have been assessed these enormous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I informed this collection agency that I have been paying the original creditor and find it unnecessary that this account went to them. I also informed them that I will continue to pay the original creditor until the account is paid in full. They said they would continue to call and they have. I find this as a former of harassment since I informed them if my situation.

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