milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Consumer Loan (Installment loan) with Ditech Financial LLC (KY).
Issue: Managing the loan or lease

Complaint: I RECEIVED A LETTER FROM A COMPANY SAYING THEY HAVE TAKEN OVER MY MORTGAGE. 2 YEARS AGO I RECEIVED A LETTER FROM XXXX TELLING ME THAT THEY ARE RELEASING MY LEIN ON MY HOUSE. THAT I AM NOW RESPONSIBLE FOR MY TAXES AND MY INSURANCE. I WAS BEHIND IN MY LOAN AT THAT TIME. ON XXXX/XXXX/15 I RECEIVED A LETTER FROM GREEN TREE SAYING THAT MY LOAN WAS TRANSFERRED TO THEM ON XX/XX/XXXX. THEY ARE SAYING THAT I OWE ALOT MORE THAN I DID OWE. I CA N'T BELIEVE THAT THIS WAS A WHOLE YEAR BEFORE THEY EVEN CONTACTED ME. ON XX/XX/XXXX I RECEIVED A STATEMENT FROM GREEN TREE.SHOWING THE PRINCIPAL AMOUNT ALONG WITH OTHER EXPENCES. I KNOW THAT MY PRINCIPAL AMOUNT WAS NOT THAT MUCH. I SENT THEM A CERTIFIED LETTER REQUESTING A PAYMENT HISTORY AND THEY REPLIED BACK WITH THE ORIGINAL LOAN REPAYMENT AND SECURITY AGREEMENT THAT I SIGNED WITH BENEFICIAL BUT NO PAYMENT HISTORY. I DO N'T KNOW IF THIS IS SOME KIND OF SCAM. FIRST OF ALL IT TOOK THEM 2 YEARS FROM THE TIME I RECEIVED THE NOTICE FROM XXXX ABOUT HAVE MY LEIN RELEASED. THEN THEY COULD NOT SEND ME A PAYMENT HISTORY SO I CAN MAKE SURE THAT THIS AMOUNT IS INCORRECT. I 'M NOT SURE WHAT TO DO. PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: In XXXX, I began the mortgage application process with Quicken Loans.  The prequalification process went smoothly. It took some time to secure a contract that put us under a time constraint.  Before we committed to the contract, we wanted to be sure it was feasible to close.  I submitted a written request to expedite which was approved.  Not only did they assure me it could be done, they assured my agent, the listing agent and the seller's lender it could be done.  The city where I was purchasing had a natural disaster.  From experience, I knew that re-inspection requirements could impede the appraisal process.  I brought up my concerns but I was assured there would not be a problem.  Ultimately, it did create a problem. I received an email from the agents indicating the appraisal had been assigned and it looked like we wouldn't be able to close.   The appraiser could not even inspect the property until the day before the scheduled closing.  I immediately tried to address the issue.  A company as large as Quicken should have the ability to find a way to honor their commitment.    I requested escalation but ended up being referred back to the processor.  I did not get my concerns responded to by another party until after the transaction was no longer viable.  There were also some other concerns that I had with the process:
1) I was not able to view my GFE before paying a XXXX commitment fee
2) Reluctantly, I did pay it.  However, I was not able to review my GFE before being asked to sign documents.  The GFE was towards the back of the package.  I would not sign until I was able to view it.  When I did I found that I was paying points for the rate that I locked.
3) When I locked my rate, I was not told the cost of that rate.  When I saw it on the GFE, I complained and my concerns were given to the originator's manager and addressed.
4) There is not a sufficient complaint resolution process.  Each time I tried to escalate my concerns about the appraisal, I was referred back to my processor.  The origination group could not provide assistance in that area.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Mortgage) with Ditech Financial LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple representatives continue to call me daily although I have advised them when I will make a payment. I receive at least XXXX calls a day at home and at work. I have told them I will make a payment soon, but they continue to call multiple times a day to continue to pressure me into making a payment.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: As a part of XXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) TransUnion is not available as an option, it is grayed out so it cant even be checked. 2 ) XXXX makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 )  XXXX - after filling out the required form, I am sent to XXXX 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH XXXX XXXX PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from XXXX and the other 2 .... WHAT THE XXXX GUYS! THIS IS INSANITY AND EXTORTION. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.

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 09/24/2015 about Consumer Loan (Installment loan) with CHS, Inc. (VA).
Issue: Problems when you are unable to pay

Complaint: I had XXXX medical bills that were extremely high to pay. I was told to submit an application for financial assistance. On XXXX separate occasions I was contacted by letter being advised that they needed some additional info., which was provided each time. The process took quite some time, but it was eventually processed, and during this time I told time that I would pay what I could, which I did. During this time the health center 's billing dept. turned this acct. over to collections ( SCA ) and they took little to no time placing it on my for credit report. After my application was finally reviewed and approved, the bill was retracted and adjusted. The health facility took full responsibility for their error and retracted the bill, so when I call SCA they said the balance had been taken care of and that I owe {$25.00} which they were advised was already paid, they said they never posted anything on my credit report, which was n't true, I told the gentleman that I 'm sitting here looking at my credit report. The next day I called back and spoke with another rep. and was told they would be updating their information on the XXXX of the month, well here it is the end of the month and no update, the acct. still shows as being in collection, status is still unpaid and acct. still open. This has been a total waste of my time dealing with them and they clearly do n't care and have dropped the ball pertaining to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. ().
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I live out of the country but maintain a US account as I intend to return eventually. Recently I received a notification that my account was in danger of becoming inactive, so I followed the instructions and made a transaction ( note there was no guidance on minimum size or number of transactions required ) Following this, I received another notification, so I called the bank to confirm that my transaction was valid, which they did verbally including stating explicitly that I need not do anything else. I inquired about he second notification and they simply said that their systems have not been updated but they will do so immediately. I asked for confirmation, ideally a letter, which they refused to provide. I then requested they make the notation in their XXXX tool, which they agreed to do. Most recently I reviewed my account and realised that they had closed the account and sent the funds to the state, exactly what they said they would not do. Upon calling them, they said that the information provided last time was wrong. They have referred me to the XXXX website however I can not locate my details in the database so I have no idea where my money is now.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (I do not know) with Applied Business Services, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A company called XXXX XXXX XXXX is appearing on my credit report in the amount of {$660.00}. I do not have any business with this company nor do I have a contract with this company. They are not allowed to attempt to collect the {$660.00} that I have no knowledge of.

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 07/15/2017 about Debt collection (Medical debt) with North American Credit Services (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I attempted to have the medical providers bill my XXXX XXXX for services render from date of service from XXXX, XXXX, and XXXX of XXXX and the provider failed to bill them instead they placed accounts to collection to try to collect from me. I have contacted the Honorable XXXX XXXX for his assistance this matter and Congressman XXXX XXXX  sent letter to Florida Hospital XXXX XXXX to cease and desist the collection on account with date of service from XXXX thru XXXX and bill all accounts to XXXX XXXX. My deductible and coinsuranceis zero so account will be paid at 100 %. This specific collection agency has serval account for those date of service.
Account number for collection account are as follows : XXXX - {$120.00}, XXXX - {$88.00}, XXXX - {$88.00}, XXXX - {$130.00} XXXX - {$88.00}, XXXX - {$330.00}, XXXX - {$300.00}, XXXX - {$120.00} XXXX - {$9100.00}, XXXX - {$3800.00}, XXXX - {$240.00} These account were placed in all XXXX credit bureau thus damaging my credit score I have tried serveral time to contact collection agency and provider to no avail. I have also asked the providers to call XXXX XXXX at XXXX my member number is XXXX and verify my coverage with XXXX and they have refused. XXXX XXXX has advised me if claim is billed within 60 days fromXX/XX/XXXX all claims will be paid once I appeal being now claims are past the filling deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had disputed with Bank of America for over a year the fact an account that had been closed, charged off and issued a XXXX for ( and filed and paid income tax on ) no longer had a balance owed but was still reporting as having a current balance due. In XX/XX/XXXX BofA finally confirmed in the attached letter that there was no remaining balance owed. The reporting was corrected on the three credit bureaus and I thought the issue was over. In XX/XX/XXXX I was declined credit and it referenced this account showing the old balance again showing due. I disputed again ( through the CFPB ) and received another letter ( attached as well ) indicating that the reporting was correct and referenced that the prior XX/XX/XXXX letter stated that as well ( IT ACTUALLY STATES THE OPPOSITE ). I have called and left phone messages and emailed the representative on the letter and received no response. Ironically I did receive the attached survey request from BofA regarding a return call I never received. My attorney has since written a letter ( see attached ) and has received no response as well. While he decides what to do next on his end, I am sending this additionally as an addition means to correct this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving frequent calls from CommonWealth Financial Systems. Though initially I was unsure of who the caller was because I typically do not answer unknown numbers, one evening I decided to call back in an effort to halt future calls. Once on the phone with someone, they immediately informed me of a medical debt from 2012 that was never paid. I knew this was true, so when they offered me a price to close my debt out at, I agreed. I also requested a confirmation letter so I could have proof of closing out my debt, to which the lady I was speaking with agreed to provide for me. However, instead of sending me confirmation, she sent me an additional bill regarding other accounts I have with them. The problem is that I was led to believe that the large payment I made over the phone was going to close out my debt to them entirely, now they are telling me I still owe them. I never received a confirmation letter in the mail listing the payment I made.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The Car Loan for XXXX Lincoln Navigator with XXXX XXXX was paid in full XX/XX/XXXX. XXXX will not dispute this. We recovered the vehicle before it was re-poed XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from a company called Jefferson Capital Systems , LLC that I believe to be fraudulent. The letter claims to collect a debt in the amount of {$1700.00} for a XXXX XXXX XXXX Account. It offers to let me save money by paying three equal payments of {$110.00}, and they will absorb the rest of the debt. 

I did have a Home Mortgage through XXXX XXXX that ended in XXXX ; I checked my account and there is no balance or debt. 

Suspect issues on this letter ( including the option to make three equal payment that do no equal the debt ) include 3 different addresses listed on the letter. Jefferson Capital Systems , LLC is listed at XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ). On the payment stub, a " return '' address is listed as XXXX XXXX XXXX, XXXX, NC XXXX with a mailing address ( " to '' ) as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Their website offers no additional information : http : //www.jeffersoncapitalsystemsllc.com

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2015 about Debt collection (Credit card) with Convergent Resources, Inc. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Correspondence regarding case numbers : XXXX and XXXX. I received a letter in the mail regarding I debt I know nothing about. It stated the statute of limitation expired in my state, therefore, they would not proceed with legal action. However, I recieved a robo call stating that my case was referred to XXXX for further legal action on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from a company called Portfolio Recovery Associates claiming that my wife had a {$1900.00} debt from XXXX XXXX and they immediately asked how I would like to begin paying it. My wife has never had her own credit card, she uses my credit card, and I have never had any dealings with XXXX XXXX. They actually send me credit card offers consistently but I discard them. They never provided any evidence for this non-existent debt and were clearly trying to extort money.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AK).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: When paying for online services for some companies such as XXXX and XXXX you can only set up monthly recurring payments rather than pay for a year at a time. 
The timing of the charges is inconsistent and frequently is charged right before payroll direct deposits. 
When there arent available funds, Wells Fargo pays the company and then tacks on a {$35.00} over draft fee for transactions under {$10.00}. I have personally spent an hour or more in front of bank managers asking Wells Fargo to not decline authorization for these transactions when the account has insufficient funds. The Wells Fargo company policy specifically states that Wells Fargo reserves the discretionary right to decline these transactions. 
These arent critical services I dont want them authorized when there are insufficient funds. 
Not all vendors do this. If you attempt a recurring transaction on XXXX from XXXX and funds are insufficient the transaction is declined and service is suspended as it should be.

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 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hi. Sadly- my house was illegally forclosed on in 2010. We were made to file bankruptcy. 
I should not have to suffer because XXXX XXXX stole my house. Can you please help me take XXXX XXXX off my credit report and my bankruptcy? 
.... The very least that could have been done when they were n't made to follow through with the indepent forclosure review.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Today I went to check my credit score on XXXX XXXX and there 's an account to called XXXX/Cbna and  Internet said it 's best buy I called and they have no record of me on there. On credit XXXX says limit of XXXX and XXXX is used and account ends in XXXX. I do n't know what this is because I have no card of a limit of XXXX. Can someone please help me understand this and is this fraud?

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 06/15/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent, via certified mail, a formal dispute of items contained in my credit report, accompanied by copies of my driver 's license and Social Security card, to EXPERIAN. The attached document is their response to me, which you will see is a refusal to investigate my dispute because they viewed it as a " suspicious request ''. It is my understanding that EXPERIAN 's tacit disregard of my request is in direct contradiction of FCRA, 15 U.S.C. 1681i ( a ). I greatly appreciate you investigating my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Hi there, I have a complaint against Experian Credit Bureau. I have been paying for the credit services that they offer to track my credit and score for the past year. I have paid all of my bills on time and for some reason I do n't have a score with Experian but I have one with XXXX and XXXX. I am trying to obtain a loan and I am being denied because the creditors pull credit from this particular 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 non-monetary relief
Consumer complaint received 01-11-2018 about Payday loan, title loan, or personal loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (MS).
Issue: Getting the loan

Complaint: I CALLED THE LOCAL BRANCH OFFICE ON TODAY WHICH IS XXXX XXXX,2018 AND APPLIED FOR A PERSONAL LOAN IN THE AMOUNT OF {$300.00} FOR MEDICAL BILLS AND WAS TREATED RUDELY, SNAPPED AT AND DENIED BECAUSE OF MY HOUSEHOLD SOURCE OF INCOME WHICH IS SSI FOR MY XXXX CHILDREN WHOM I AM THE PAYEE.I FELT LIKE I WAS DICRIMINATED AGAINST BECAUSE I HAVE GOTTEN OTHER LOANS IN THE PAST INCLUDING THE RENTAL APPROVAL OF THIS HOUSE WITH THE SAME SSI INCOME.I CALLED THE HEAD OFFICE IN SC ON THE SAME DAY AND SPOKE TO THEM ABOUT THE PROBLEM THAT I WAS HAVING WITH THE LOCAL BRANCH MANAGER AND THEY SAID THAT IT WAS NOTHING THAT THEY COULD DO ABOUT IT BECAUSE EVERY STATE HAS THEIR OWN RULES. I TOLD THEM THAT NOTHING DIDNT SOUND RIGHT ABOUT WHAT THE LOCAL BRANCH MANAGER TOLD ME. THE COMPLAINT IS AGAINST WORLD FINANCE STORE # XXXX /XXXX XXXX XXXX XXXX/XXXX, MS/XXXX/PHONE # XXXX.

Company response to consumer: Closed with explanation