milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Hunter Warfield to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I had a freeze put on my 3 credit bureau reports in 2013. They are still in force. Some one impersonated me while enrolling in credit monitoring at Transunion. They had my social and date of birth information. They were asked questions that were generated by my credit and answered them correctly. ( I have seen some of these questions, which any 10 year old could figure out the answer. ) I would like to know why Transunion releases credit reports when there is a freeze in place? When I re-lease my car, I have to release the freeze to get approval, but anyone with a credit card could get a copy of report immediately? 

This makes no sense to me. Can you help me secure my credit reports?

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 06/29/2017 about Debt collection (I do not know) with DYNAMIC RECOVERY SERVICES, INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, XXXX XXXX XXXX claims I owe them XXXX dollars. I do not even know for what. They are trying to scam me. I want them to stop bothering me. I DO NOT OWE THEM ANYTHING BECAUSE I HAVE NEVER DONE BUSINESS WITH THEM

Company response to consumer: Untimely response
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I am being overcharged ( Corparate Advance Fees ), Home Preservation Fees. My home is being evaluated up to XXXX times this year alone, and I am being charged those fees. Is this really necessary? When getting an appraisal, I know that XXXX is enough. Please help. Could I at least have proofs?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was recently purchased by PHH Mortgage. Our normal payment is XXXX. We set up direct deposit last month giving PHH permission to take out that amount each month for our mortgage payment. This morning the withdrew {$3700.00} without our permission. We spoke to their " customer service '' and they could n't figure out why they would take out this amount. Luckily for us, our bank ( XXXX ) has since disputed the amount and refunded our account. There are a few issues : 1. The scariest being, they were not authorized to take that amount out of our checking account. This is fraud and what I would consider illegal practices. There is no reason this should ever happen. 

2. The fact no one can answer us as to why this was taken out. The only thing we can think of is, they billed us for our whole Escrow account on top of our mortgage. They have only owned our mortgage since XX/XX/XXXX and our escrow account has always been up to date. 

3. The lack of good customer support. We 've been transferred 4 times and they admitted it was their issue and they would need to refund us. The then asked if they could just apply that overage to our next month mortgage payment. Their solution was to do what is easier for them. When we said no way they told us the turn around time to get someone to look at it would be next Wednesday- 6 days from today. Plus that 's to look at the problem, not refund us. This is n't XXXX dollars we 're talking about, it 's {$2000.00}. 

4. Lastly, their best solution was for us to handle it with the bank and have us dispute the charge. Luckily XXXX is great to work with, but that 's an unacceptable answer. We also, per XXXX 's recommendation, have to close our checking account and start a new one since they could still have that information even though we canceled direct deposit We are refinancing just to get away from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an old fraud account from chase on my credit report being reported as a charge off. XXXX refuses to remove the account even though it is inaccurate and I have supporting documentation. The account in question is part of a fraud case and to resolve the case chase and I agreed to settled. The account was should have been removed but XXXX refuses keeps saying validated. I asked for information as to who or whom they validated and information they submitted but XXXX has not sent me any information pertaining to that, but yet after a recent dispute XXXX reopens the closed account and re-ages its. I have supporting document to show account was closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have recently applied for credit and did not get approved. It prompted me to pull my reports and go over the information in them. Upon looking into things, I noticed there is a bankruptcy on my credit reports with information that does not make sense. I imagine no one would ever have a bankruptcy for {$0.00}. I then went to the credit reporting agency Experian and sent them a letter to fix this information. After doing so I went to the local county clerks office to see what information they give out to the reporting agencies that ask for it. I was informed that they do not talk to the reporting agencies at all. This confused me because when I looked on my report it said that the dispute of the bankruptcy was investigated and they found it to be all correct. If they do not go down to the clerk 's office at the court or at least call and find out all applicable information then the investigation was not done and they have broken the law. In addition the incorrect information is still on my credit report and I am unable to qualify for any credit products which is making it impossible for me to eventually buy a home. I need the information in my credit file to be correct, and I need Experian to do the job they are required to do by law or remove the incorrect backruptcy off my credit file. Please help because talking to Experian directly has proven to be futile.

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 04/17/2017 about Money transfers (Domestic (US) money transfer) with Alliance Data Card Services (TN).
Issue: Fraud or scam

Complaint: I have a credit balance on my PayPal Credit account. I have asked twice that this credit be applied to future purchases. Yet when I charge a purchase against this account, I continue to be invoiced monthly for these purchases. When I pointed out on my last statement that PayPal actually owed me money, I was told that the credit reflected a pending disputed charge. However, there is no dispute for the amount of {$71.00} on my account. The only disputed charge is for {$5.00}. All other disputed charges since 2010 have been closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2018 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: JH Portfolio Debt Equities reported a debt on my credit and i have no idea who they are. I have sent several letters validation and or proof of my signature on any documents, paperwork, Ect. I have not heard back from them and its still on my report. I'm going to fight this to my last breathe. 
Beware of : JH portfolio debt equities. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 12/16/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IN).
Issue: Problems when you are unable to pay

Complaint: XXXX XXXX, 2015 around XXXX ET someone rings the door bell. My wife, XXXX XXXX, turns on the porch light and asked our son ( who is XXXX years old ) to put the dogs up ( we have XXXX XXXX pound XXXX and a XXXX XXXX. We live on XXXX acres in the county and rely upon them to secure our home and property. A " Beware of Dog '' sign is prominently displayed visible from the street along with a " No Trespassing '' sign. People know to call us before they come to our home so the dogs can be put up ). After the dogs were put up, my wife walked to the door and opened the door, keeping the full-length glass storm door closed and locked. She asked the young lady that was on the porch, how can she help her and who on she was. She stated that she was from " the bank '' and was here to on pick up " the van. '' My wife told her that we did not have a van. The young lady, without producing a business card, any paperwork identifying her firm, said that they know the vehicle is in the garage because " they saw it '' ( to see inside the garage you must go around onto our back deck to look into the back of the garage. My wife, who is not on the loan, asked her did she call me as I had instructed Santander because I was not home ( When I called Santander early yesterday I agreed to surrender the vehicle but someone must call my cell first because as a XXXX I am called out and we have the dogs that must first be out away ). She replied that " he was aware that they were coming to pick up the vehicle tonight. '' This was a lie. My wife again asked her, did you call him, she replied that he had spoken to her boss earlier and she was there present when he ( I ) had spoken to the bank. '' At this time, my wife notices a young man peek around the corner toward the front door. My wife explained to her that she needed to call me and I could take care of this since it was in my name and I had called to make arrangements earlier to turn over the vehicle. The young lady then stated to my wife, because " You are unwilling to turn over the vehicle, that is considered theft and charges will be filed tomorrow. '' My wife and son are both willing to provide sworn affidavits to support what they heard last night.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I am filing this complaint, against Equifax ( Credit Reporting Agency ), after exhausting all other avenues of resolution. My complaint is in regards to a particular tradeline that appears on my account for an unknown medical collection account. The tradeline is as follows : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Account # XXXX I have engaged in the following correspondence with Equifax. : XXXX/XXXX/XXXX : XXXX XXXX to Equifax, requesting VERIFICATION of the above account with XXXX XXXX XXXX. I requested the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. XXXX/XXXX/XXXX : Response from Equifax. Equifax responds by UPDATING this unknown account to reflect a {$0.00} balance, and a change in address. Reporting it as a Paid Collection. I wrote to the reporting CA requesting validation and received no valid response XXXX/XXXX/XXXX : Letter to Equifax, notifying them that this account is disputed, and providing them with a copy of my letter to the CA XXXX/XXXX/XXXX : Response from Equifax requesting further information from me, which I provided in the previous correspondence already. XXXX/XXXX/XXXX : Follow up Letter to Equifax with information they requested, concerning this dispute. XXXX/XXXX/XXXX : Received response from Equifax, notifying me of the need for the VERY INFORMATION I SENT THEM. It is CLEAR that they made no attempt to properly investigate or verify this account, or produce any documentation that shows that the reporting CA had any right to report on this unknown medical account. They have FAILED in their responsibility to me as a consumer with respect to their FCRA practices. In a phone call with Equifax about an unrelated issue, the Representative informed me that for THIS tradeline, they had no documentation which would authorize them to report on this account, based on any legitimate claim by the CA. Nevertheless, the tradeline persists on my report and has done SEVERE damage to my creditworthiness at a critical time. At this time this unknown medical account appears ONLY on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
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: I filed a complaint with Experian asking them to remove ALL dispute comments from my credit report. Experian sent me the attached credit report as a result of the investigation. The letter lists several items under investigation that I did not even request. They DID NOT remove dispute comments from any of my accounts. 

I would like ALL dispute comments/dispute statuses removed from my credit report ( ALL accounts ) immediately. I am prepared to contact an attorney to file suit against Experian, as I have had several issues with this company in the past. I have circled the dispute comments in the attachment.

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 03/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Last year, the city of XXXX billed me just for penalties and interest pertaining to city wage taxes My accountant responded with reasons as to why they should waive the amount. Before the expiration of the first notice from the XXXX, the matter electronically went over to XXXX for collections. 
I spoke to XXXX last XXXX and sent them all the back up including the accountants letter. They told me they would follow up. 
I never heard back from them and assumed it was resolved. 
On Monday, XXXX XXXX I received a computer message from XXXX and I called back. I spoke to XXXX XXXX in their office who explained to me that the XXXX did not waive the interest and penalties ( a little over {$900.00} ). I told him that I would pay the amount and just asked him for something in writing requesting the debt and giving me payment instructions. 
He told me that I should receive it by today, XXXX XXXX ( which I havent yet ). 
On the following day at XXXX XXXX I got another of their harassing computer messages and assumed it was a mistake. Yesterday, I received another call, and tried to call them back asking them to stop the harassment. I was on hold for 25 minutes and had to hang up. 
Today I received a call from my adult son ( who has a family of his own ), who told me that he received two calls from XXXX in the last two days and when he finally got to speak to someone XXXX the was told that they were looking for me. So now they were at a point where they were now harassing my family. 
This morning after speaking to my son, I called XXXX back again, and while I was on hold waiting for someone I received yet another of their harassing calls. 
I finally got to speak to a manager named XXXX XXXX who basically said ..oops..human error. 
I have no idea why they cant control their automated system and why they would start to harass my children after I agreed to a resolution.

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 11/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech imposed a Past Due Amount on my XXXX/XXXX/2015 billing statement in the amount of {$240.00}. The Total Amount Due on my XXXX/XXXX/2015 statement was {$1100.00} and the Past Due amount was {$0.00}. They received my payment of {$210.00} on XXXX/XXXX/2015 and a payment of {$1000.00} on XXXX/XXXX/2015 for a total payment of {$1200.00} ( more than the required payment amount ) therefore I do n't understand how there could be a past due amount of {$240.00}? In the month of XXXX, they applied {$240.00} of my monthly payment to Escrow and the balance of {$960.00} to Unapplied Funds which caused all payments after the XXXX payment to be applied to Unapplied Funds. My escrow analysis said the shortage would be spread over 24 monthly payments beginning XXXX/XXXX/2015 therefore my XXXX payment should have been applied as billed ( {$200.00} principal / {$770.00} interest / {$190.00} escrow ). I 've been in contact with many Ditech people via telephone during the past 5 months trying to get this corrected but my account continues to show as past due and I continue to receive collection calls. 

I am tired of the harassing collection calls due to this error therefore I would also like to request, in writing, that no telephone contact be made by your offices ( Ditech Financial ) to my home or to my place of employment. All future communications with me MUST be done in writing and sent to my mailing address on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to www.equifaxsecurity2017.com I was one of the 143 million consumers to have my information stolen due to the cyberattack on Equifax. As I understand it, I am now at risk for having my identity stolen and I have had to put a 90-day fraud alert on my credit file.

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. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax released my data through insecure systems. All of my personal information is now stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (I do not know) with CL HOLDINGS LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After applying for credit several months ago I was denied and requested my free credit reports from all XXXX CRA 's. It showed I had an account from a XXXX. After several days and hours of getting to the bottom of this it shows that the account was opened when I was XXXX years old. I submitted my drivers license, social security card, and birth certificate to all XXXX credit bureaus as well as XXXX. On top of that I submitted an affidavidt saying I had no knowledge of the account. I asked how they opened an account under my name at that age and what identification they used to verify my identity. I got a response saying the account was mine. I do not understand how I can open an account without my knowledge and with being under XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (OH).
Issue: Struggling to pay mortgage

Complaint: After the XXXX of my father I received through title my dad 's home and it had a reverse mortgage the company I dealt with never fully explained the process. I have applied to the sameCompany twice for reverse mortgage once approved then secondly told that if I did not have a bridge amount of {$XXXX} I could not close the loan. Likewise I found a XXXX XXXX bankruptcy in this XXXX XXXX of Ohio and the company keeps coming up with objections because the original reverse mortgage was not my debt but that of my fathers. My bankruptcy attorney is working diligently to come up with some pleas ... but the reverse mortgage holder refuses to even consider any bargains so it looks like foreclosure is in my near future are there any laws they can help me obtain my dad 's reverse mortgage. Even with a XXXX XXXX bankruptcy I could pay off the debt is 5 years at 100 % it 's unheard of with this company and I need help thanks for your time and effort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with CITIBANK, N.A. (NH).
Issue: Closing/Cancelling account

Complaint: I asked Citibank to cancel an account that had a {$95.00} annual fee that I was not using. They said if I wanted they could give me a {$95.00} statement credit that would be applied against future purchases. When I called a month later to see where that credit was on my statement they said I had to make the purchases first. I did on XX/XX/2016, I then received the next statement- no statement credit was found. I called and was informed I had until XX/XX/2016 to make the purchases. I was never told that! They said they could not do anything and now I am paying interest on those purchases in addition to having a annual fee that I wanted to get rid of in the first place. It is complete fraudulence on their part.

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