milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Back in XX/XX/2014 I saw that in my credit report there was a loan for {$7700.00} taken out in my name and social security that was not mine for a home depot credit. I had contacted the collection XXXX XXXX XXXX to notify them they told me I needed to submit a police report for Identity theft against my mother who had used my information wrongfully. Attached, is the police report I submitted. I mailed them all the information they had requested in turn they emailed me a letter to my home address which is a also attached, advising me that the account has closed and will not be collecting on the reference account and that they will be instructing all three credit report agencies to delete the above reference MCM account on my credit file. It turns out that this collection told me false information and years passed and it was still on my credit reports. Every time I applied for a home loan I was turned down and I had no idea why I thought the whole time this issue had been disputed and resolved. I called the collection agency to let them know that they never removed the collection from all three credit bureaus like they told me they were going to do. The third party answering for the collection agency told me that they could n't do anything because it is now a judgement lien with the court house in XXXX County NY and that I needed to contact them with the case number-XXXX and talk to the judge. I contacted the court house and even went to there website to see what came up with the case number and there is no information under the case number or name and they told me they told me they could n't help me if there is no case on it. I later found online https : //www.consumerfinance.gov/XXXX CFPB took action against the collection agency XXXX XXXX XXXX for using deceptive tactics to collect bad debts. Administrative proceedings consent order XXXX was issued by the CFPB. Now, I understand why I had been giving wrong information and the run around to get this of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: BofA did not post my payment correctly in XXXX of 2011. This resulted in me being labeled as delinquent. They then posted me as delinquent for the next 8 months as 60-89 days late. They refused to speak with me on the matter. This has had a tremendous negative effect on my credit score.

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 01-05-2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Deposits and withdrawals

Complaint: I had some charges pending on my account and all banks process between XXXX to XXXX the next morning. I had a direct deposit pending on my account when I log in at XXXX on XX/XX/2016 and the charges were still pending. I said okay my deposit will hit so I am good. Was wrong the bank gets over and charges me 2 fees on the account when the deposit was there. They are wrong for this practice to get over on consumer and make money. Regions is the only bank that does this and I do n't think its right.

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 08-03-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a complaint recently with Wells Fargo. However, they cancelled the complaint in their executive office from their end after they responded to you, & without following through with their commitment & their resolution in their response to you, they are now harassing by phone & any way they can with reps & auto dialers. They are interfering with my ability to make progress and harassing me at work. I had no contact or communication with a rep named XXXX XXXX, who sent me a letter closing the file on XXXX XXXX. Although the # XXXX account issues seem to be resolved and payments have recently been applied accurately, I still have the same unresolved issues with acct. # XXXX:1 XXXX there is a payment that has not been applied to acct. # XXXX from 3rd quarter 2014 ( 3 payments were made in one month & I have provided bank statements XXXX. 2 XXXX The terms of the modification offered & provided were not the best available, and were not in accordance with published Hamp guidelines. Please assist in obtaining a fair and equitable resolution. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: They make a payment due on the XX/XX/XXXX of the month and then if you make a payment after the 16th they may or may not apply it to the next month. I made a payment to them on XX/XX/XXXX and XX/XX/XXXX of XXXX and XXXX for my XX/XX/XXXX. payment., Then I made a payment on XX/XX/XXXX and XX/XX/XXXX of XXXX and XXXX for my XX/XX/XXXX payment. Then on XX/XX/XXXX I made a payment of XXXX dollars for my XX/XX/XXXX payment. Now they are saying that I have to pay them another XXXX by XX/XX/XXXX or they will charge me {$37.00} late fee. They will not wave this. They said that they charge us on the XX/XX/XXXX, but they do not close out the month until the XX/XX/XXXX so any payment made before that date gets applied to the same month even though I had already had a bill for that month. I should be able to make a payment for the next month as soon as the due date for that month has passed. This is a ridiculous business practice one it seems like they do just to generate late fees. I have to pay my bill when I have the money. I am thinking about starting a lawsuit against them for unfair business practices. We get paid on XX/XX/XXXX and I want to make my XX/XX/XXXX but low and behold it wo n't be applied to XX/XX/XXXX!  Ridiculous!

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I attempted to freeze my credit with Transunion. Due to misleading information on their website, I ended up signing up for a subscription to their credit protection service. I cancelled as soon as I realized that I was paying for a monthly subscription to a service rather than the credit freeze I thought I was paying for. I chose the cancel reason of I did not know what I was signing up for. They did not refund my payment. It appears that Transunion is trying to make a profit off of people concerned about the XXXX security breech.

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 12-05-2015 about Consumer Loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (SC).
Issue: Taking out the loan or lease

Complaint: This company sent a live check to me which was cashed and I never applied for nor signed a contract with them. I was and have been unemployed since XX/XX/2015. they have reported to the credit bureas that i owe them XXXX on XXXX seperate lines. I have been harrassed by them coming to my home and communications by phone and mail. I have told them I have no account with them since we have no legal contract or any application. I think this company is some sort of scammer to get people of meager means to commit to them by sending out a live check to you even though they dont qualify for it due to thier finacial state. If you ca n't help me at least look into this type of lending practice

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This company discovered a breach of personal information on XXXX XXXX, XXXX and did not report it to the public until XXXX XXXX, XXXX. Meanwhile there is someone putting inquires on all my credit reports because they have my information and the company has failed to inform me or anyone of that matter. It took 6 weeks for myself and other consumers to find out, while in the meantime credit reports and scores are being affected. On top of that in there findings 3 executives decide to sale there share of the company and protect their self and personal information has been compromised. These unauthorized inquires should be removed. 

XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX + XXXX - XXXX, XXXX, XXXX. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX Banks XXXX XXXX XXXX  XXXX XXXX from XXXX XXXX, XXXX + XXXX Banks XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX. 
Use Credit Union Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + XXXX - XXXX, XXXX, XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX  XXXX/fore Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Balance transfer fee

Complaint: I purchased merchandises from XXXX with my Amazon credit card. The merchandises have been returned and I have receipt proving that they got them. I called them several times, I emailed all documents to ask them to stop billing me for the merchandises that got. But they s still and they even charging late fees.

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 09/14/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Account opening, closing, or management

Complaint: The Bank of America, XXXX Missouri, charged to my checking banking account a fee for image of a check. For which I did not request and or authorize. This matter was raised recently with Bank of America. Again the same fee. Today, Bank of America, could not provide what employee of Bank of America made this decision without my request and or authorization.

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 12/28/2015 about Bank account or service ((CD) Certificate of deposit) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: I am writing out of concern for the DOJ investigations in hackings against Scottrade and others. 

Specifically, I know for a fact, that Scottrade was informed of their cyber security vulnerabilities through numerous Whistleblower tips submitted to the SEC, some of which were forwarded to Scottrade for review. 

I know this because I 'm the one who found the flaws, including the heart bleed vulnerability, and reported them to the SEC more than two years ago. 

The failure of the SEC and Scottrade to understand the technical disclosures led to over XXXX customers being breached and I do not take this lightly. 

Please contact the SEC and request all complaints against Scottrade and you will quickly find that their failed cybersecurity infrastructure and corporate culture was reported by myself and others numerous times, before a hack even occurred.

Company response to consumer: Closed
Consumer complaint received 12/26/2016 about Credit card () with STERLING JEWELERS, INC. (UT).
Issue: Delinquent account

Complaint: Kay jewelers sold my old debt to another company and I paid that years ago ... Kay Jewelers is showing a XXXX balance and yet they continue to update and damage my credit monthly and it is affecting my financing. I need this fixed asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Several transaction posted to my account which were not authorized or duplicates. I contacted the bank to dispute these which was done without issue. I was informed by the bankers loss prevention department on this day XXXX XXXX that the bak placed a freeze on the account to keep it from going more negative and I asked if the account was being closed. They said no it was not and to call back once the disputes had gone through and any remaining negative balances were resolved and that the accounts would be unfrozen, no issues. Cash was deposited today to cover any remaining amounts overdrawn and to cover an outstanding check that was written. The bank gave me to run around for several hours and refused to release to hold on the account, even to give me back the cash that was deposited just hours before. One branch manager at the XXXX XXXX XXXX XXXX XXXX named XXXX refused to help me and told me I needed to leave when told that I would be contacted the CFPB if this was n't resolved. The bank is still refusing to release to hold or release my funds and the banker I worked with before the mananager told me he did n't know when, if the funds would ever be unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Trouble during payment process

Complaint: Account number XXXX Name : XXXX XXXX  Address:XXXX XXXX XXXX XXXX, SSN : XXXX To whom it may concern : I am hoping you can assist me with an issue that I am having. I received a modification in XXXX. After the modification I 've been paying on time and received a notice from Ocwen stating that due to my good standing I was eligible for and incentive of {$5000.00}. I completed the necessary paperwork and faxed it into Ocwen and contacted Ocwen to confirm receipt of the fax. When it was time for my incentive to be paid I followed up with Ocwen on several occasions to find out when I could expect the {$5000.00} to be credited to my account. I was told that when the government sent them the funds it would be applied to my account. I asked several escalation managers to look into when I can expect my refund and was told that Ocwen had not received the incentive from the government yet.
<P/>
In XX/XX/XXXX I received a letter from Ocwen stating that they were transferring my loan to XXXX XXXX XXXX inXX/XX/XXXX. Immediately contacted Ocwen to find out how this would affect my incentive I was told that when the government sends the incentive Ocwen would transfer it to my new mortgage servicer or the government may send the money directly to the new servicer.
<P/>
I started following up with the new servicer regarding the Hamp incentive only to be told that Ocwen had not received my Dodd Frank Certificaiton therefore i was not receiving the {$5000.00}. This completely baffled me because all the times that i called Ocwen i was never told that they had not received the Dodd Frank Certification ( and remember I called Ocwen to confirm receipt of the fax when i faxed the doc ). My husband is a military veteran and neither of us have ever committed a crime therefore we have no reason to not submit the Dodd Frank Certificate. It seems to me that Ocwen dropped the ball all the times I contacted them to find out when i could expect my incentive I was never Informed that they did not receive the Dodd Frank Certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I had my loan with GreenTree mortgage and I was went through XXXX trying to get a modification on my loan. I was threatened that they would take my home. I was talked to and humiliated. I finally received a loan modification. I lost my my home on XXXX XXXX, 2015 it was sold on XXXX XXXX Steps at the courthouse. I received no warning and I did not have time save my home after owning it for 23 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX until XX/XX/XXXX, I was XXXX active duty XXXX.  My wife and I had an existing mortgage with XXXX during this period.  Due to the financial impact my deployment, we discovered that we were no longer able to afford the payments and approached XXXX for a loan modification.  Over the course of the next 2 years, we were strung along by XXXX until they sold the mortgage to Residential Credit Solutions (RCS) who then told us that they were working with us on the loan modification.  In reality, RCS has increased our payments and, as we have come to recently find out, has initiated the foreclosure process.  Please help us!  I served my country in good faith and am now being put out of house and home.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have send transunion several letters disputing inquiries that I did not authorize for the following companies. 1. XXXX XXXX XXXX-XX/XX/XXXX. 2. XXXX-XX/XX/XXXX. 3. XXXX/XXXX XXXX-XX/XX/XXXX 4. XXXX/XXXX-XX/XX/XXXX. 5. XXXX/XXXX-XX/XX/XXXX. The last letter I send certified with return receipt and they have ignored my letters and disputes. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and serious breech of my privacy rights. Transunion has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature. I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.

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 02/29/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was already paid by my insurance company and it 's still on my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I TRIED TO FILE DISPUTE ONLINE, AND UNABLE TO DO S SO WITH EXPERIAN AND EQUIFAX ; HOWEVER, I SUCCESSFULLY SUBMITTED A DISPUTE FORM/ WITH XXXX . AT THIS TIME, XXXX IS THE ONLY COMPANY THAT HAS MY REPORT CLOSE TO ACCURACY.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX/XXXX/XXXX spoke to an agent about inquires that where removed and placed back on they stated it was accurate which it was not called multiple times and they kept giving me the run around. I 've sent in the proper documents and still no results.

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 09/23/2015 about Payday loan () with High Point Asset Inc (KY).
Issue: Charged bank acct wrong day or amt

Complaint: THE CURRENT CALLER IS HIGH POINT ASSET MANAGEMENT THE NUMBER IS XXXX. THEY CONTINUALLY CALL ME HARASSING ME ABOUT A PAYDAY LOAN FROM 2011 THAT HAS BEEN PAID BUT THEY ARE CLAIMING IT HAS N'T AND ARE USING ROBOTIC CALLS TO TRY AND GET ME UPSET OR SCARED SO I WOULD PAY. NO REAL INFORMATION ON WHO I OWE AND WHEN I ASKED THEM FOR INFO THEY SAID THEY COULD NOT GIVE IT AND WOULD WRITE DOWN THAT i REFUSED TO PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Medical debt) with Credence Resource Management, LLC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was involved in an accident at work and was transported in Ambulance. As part of Workers Compensation this ambulance amount was paid by Workers Compensation company XXXX XXXX XXXX company. I received letter from Credence Resource Management LLC that I still owe money and is up for collection. I also received called from them and i informed them to contact the workers insurance and also my lawyer. Now they are trying to collect this debt from me sending me debt notice. This is really XXXX me and i am just trying to come out of the accident i was involved.

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