milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2016 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I do not know what company to send my XXXX mortgage loan payment to. I have received a transfer of servicing notice from XXXX Mortgage indicating that my XXXX XXXX mortgage payment is due to XXXX and I have received a Loan Billing Statement from LenderLive indicating that my XXXX payment is due to LenderLive. I believe that XXXX companies have violated RESPA, FDCPA, and UDAAP subjecting them to civil money penalties and they have created such confusion that I have no idea where to send my mortgage payment which now puts me at risk that my payment will be late or not applied to my loan properly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 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: I have already contacted company by submitting a certified letter to each company and as of yet have not heard anything back, and I want these hard inquiries removed immediately. 


XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - Equifax/XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX  hard inquiry XX/XX/XXXX -, XXXX   XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XXXX Equifax ; XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX XXXX  ; XXXX XXXX XXXX, XXXX hard inquiry XX/XX/XXXX - XXXX ; XX/XX/XXXX, XX/XX/XXXX - XXXX All of these companies sent a certified letter of dispute XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: This is the second time XXXX XXXX XXXX has try to suit me without providing proper documentation why midland is sending me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX XXXX XXXX Unaware of this hard inquiry

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 04/23/2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (FL).
Issue: Managing the loan or lease

Complaint: The loan company ( Security Finance Service ) had made XXXX hard inquiries without my permission back in XXXX and XXXX 2014, the reasons are they were trying to locate. They were n't trying to give me another loan. I believe that this is the FCRA violations and its illegal. I had send them certified mail and talked with the loan company through phone in civil matters. Their response they will not send me a letter or no response at all to settle any dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was steered to do a forbearance as I was completing my degree versus helping me to understand other options. I check my credit report regularly. I am devastated that my loan repayment total has escalated from 80K+ to XXXX. This is unbelievable! Need assistance ASAP as this has plummeted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I SEND A REQUEST TO EXPERIAN FOR A COPY OF MY CREDIT REPORT, THIS IS THE BUREAU I HAVE CHECKED FOR ANY INACCURATE INFORMATION THE FEWEST TIMES. AFTER REVIEWING MY CREDIT REPORT I NOTICED AND ACCOUNT ON MY REPORT UNDER THE NAME "XXXX" I HAVE NO IDEA WHAT THIS COMPANY DOES, NOR HAVE I EVER HAD AN ACCOUNT OR DONE BUSINESS WITH THEM.  IT IS LISTED AS A BUSINESS ACCOUNT, WHICH IS STRANGE BECAUSE I HAVE NEVER BEEN A BUSINESS OWNER.  I DISPUTING THE ACCOUNT, THINKING IT WAS A MIX UP AND WOULD BE REMOVED. I RECEIVED THE RESULTS OF MY DISPUTE TODAY. WITH THE ANSWER BEING "ACCOUNT REMAINS" I CALLED EXPERIAN  IMMEDIATELY AFTER SEEING THIS, AND ASKED THEM WHAT KIND OF INFORMATION DID THIS COMPANY PROVIDE THEM TO VERIFY THIS WAS MY ACCOUNT, THE ANSWER I RECEIVED WAS, WE CALLED AND THEY SAID IT WAS YOUR ACCOUNT?"  I FEEL LIKE EXPERIAN WAS LAZY, AND DID NOT COMPLETE ANY TYPE OF INVESTIGATION TO VERIFY THIS WAS MY ACCOUNT, THEY COULD NOT EVEN TELL ME THE BUSINESSES NAME THE ACCOUNT WAS SUPPOSEDLY OPENED UNDER! IF YOU COULD PLEASE DO WHAT YOU CAN, FOR EXPERIAN TO INVESTIGATE THIS AND COLLECT SOME KIND OF PROOF BECAUSE THIS IS NOT MY ACCOUNT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my credit report after finding out someone stole my identity. There were fraudulent inquiries on my report that I didnt authorize. Ive contacted transunion numerous times disputing the inquiries with no luck! Please help me!!! It goes as follows : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 12-09-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (OR).
Issue: Trouble during payment process

Complaint: My mortgage company paid my property taxes and my home owners insurance even though I do not have an escrow account through them. Meanwhile i paid my property taxes and home owners insurance too. Now my mortgage company will not accept my mortgage payments unless I pay them back for the taxes and home owners insurance. I have not received a refund for any overpayment from taxes. I am not nor have I ever been late on my property taxes. This amounts to {$4900.00} and if I do n't pay this amount I will be in default and may lose my home. I have called and discussed this with customer service who admit they do n't understand how this happened. They told me to go ahead and make my regular payments and if and when I receive refund for taxes to send it to them. They then transfer me to payments who will not accept my payments for anything less than {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX placed a derogatory collection account on my XXXX  and XXXX credit reports on XX/XX/XXXX and XX/XX/XXXX. The collection agency has not provided me with written dunning notification of this alleged debt within the 5 day timeframe mandated by FDCPA section 809 ( b ). Without prior notification I was not given the opportunity to have the debt verified nor validated as belonging to me. As a result of the reporting, my credit scores with both bureaus suffered a 20 point drop at a time when I was in the process of completing applications for new credit. I subsequently filed a dispute online directly with XXXX on XX/XX/XXXX citing No knowledge of this account. 
The account is listed as follows on XXXX  : XXXX XXXX   XXXX ACCOUNT DETAILS Account Name XXXX XXXX   Account # XXXX Original Creditor XXXX XXXX Company Sold - Account Type Collection Department / Agency / Attorney Date Opened XX/XX/XXXX Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$650.00} Balance Updated XX/XX/XXXX Original Balance XXXX XXXX   Monthly Payment - Past Due Amount {$650.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FP XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX collections

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX as incorrect information on my credit report that they need to update

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a Loan Modification with Well Fargo ( WF ) due to extreme hardship. They denied me based on false income information. Even though they had copies of my pay stubs, they ( WF ) decided to increase my monthly income by {$1600.00} so that they could denied me a Loan Modification. I will attached a letter that explains more details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back in XX/XX/XXXX, I paid in person, my car bill as requested in my paper bill received for that month. Later, I was contacted by XXXX XXXX XXXX/ the auto lender, stating that I was more than 30 days late because I had only made a partial payment.
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I disputed that since I knew I had made my payment before being 30 days late and had paid more the amount due on the bill sent to me by the auto lender. The following month, I paid my bill before being 30 days late and for more than the bill amount due.
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Since then, my credit got seriously affected because they reported to the 3 credit bureaus that I paid 2 times 30 days late. I had never paid anything late and my report reflects this. My credit score was above XXXX and now is in the high XXXX 's! I have contacted the auto lender numerous times in an attempt to fix this matter and even asked for forgiveness if this was my honest mistake. Sadly, this was denied.
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Recently, I 've been keeping track of my auto loan monthly bills an de noticed that everyone of them shows a lesser amount due. Yesterday, XX/XX/XXXX, I contacted my auto lender and inquired about the difference in amounts due and long story LONG ... in speaking with XXXX at XXXX p/s/t, " I was NOT 30 days late in XX/XX/XXXX or XX/XX/XXXX. Nor did I make partial payments for either months. '' I asked to be kindly be mailed a letter reflecting this correction and she told me that she could not do this, but that instead I should reach all 3 bureaus and the bureaus would send paperwork to the auto lender and they would make the corrections at that time.
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Kindly assist me in doing this and advise me as to what I should do next.

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 02-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was the victim of identity theft a few years back and just learned some hard inquiries from the person who stole my identity are still noted on my credit, as well as XXXX account being still open that is not mine ( XXXX ). I have filed a report with the police.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My current mortgage servicing company is fraudulently placing my mortgage in a forbearance payment status after being advised verbally and in writing of my non-agreement to a modification XXXX. Further, they have not updated their system as to the payment process only allowing for a reduced payment to made online and subsequently threatening foreclosure and negative reporting to the credit bureaus for non-payment of the full amount of mortgage. All paperwork being received from Ocwen Loan Servicing states my current payment due is {$650.00} when in actuality the payment should be {$880.00} and I am being threatened by employees with foreclosure and negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The accounts below are not mines? 
XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX .... 

XXXX Account number 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 non-monetary relief
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I can no longer get access to my credit report  ( s ) fr om ANY of the  XXXX  credit reporting bureaus, now that I have filed complaints against them. I find this punitive and very bad business.     I DEMAND access be reinstated online through the portals that they set up, and of which I have an account. I need to make sure that they are investigating my submittals and demands that they correct and update my information.     I have lost the ability to purchase the home I wanted, because they continue to play games with my repor t ( s ).      I demand access be reinstated, and new reports AND scores be sent via postal mail within  10 busi ness days. I further DEMAND that all the disputes be FINALLY, corrected and updated.

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 03/30/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Good afternoon, I contacted Equifax regarding a judgment on my credit report. The Judgment was paid in full in XXXX of XXXX. I initiated a dispute in XXXX of XXXX to dispute the unpaid judgment on my credit report. The status came back as still being unpaid. I called the court and gave them the number off of the credit report and they stated that yes it was paid. I asked how the credit bureau obtained information regarding my judgment and the court stated that they do not report to ANY credit bureau. I called the Equifax number listed on the report from the dispute and was told the status was still unpaid and that they communicate with the courts electronically. I explained to the gentleman that the court did not report anything to him and he stated several times that the report says they did. I called the court a second time to verify that they in fact DO NOT report to ANY credit bureau. I did a little research on the Fair Credit Reporting Act at the following site : www.creditreporting.com According to my research the credit bureau illegally obtained the information regarding the judgment in question. 
FCRA 603 Definitions ; rules of construction [ 15 U.S.C. 1681a ] States the following : XXXX Excluded communications. A communication is described in this subsection if it is a communication ( XXXX ) with respect to which XXXX the consumer who is the subject of the communication XXXX consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; XXXX XXXX XXXX in the case of consent under clause ( XXXX ) or ( XXXX ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; I gave neither explicit nor implicit permission for the release of any information regarding said judgment to Equifax. The information obtained and displayed on my credit report was obtained illegally. It is at this time, based on the above law, that I am requesting the judgment be removed from my Equifax credit report. I have contacted their resolution team and spoke to a XXXX XXXX XXXX XXXX and she refused to remove it because it is not their company policy. 
Please feel free to contact me further regarding this situation as I would enjoy speaking to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I received a credit monitoring alert that a new address was added to my TransUnion credit report. When I checked my credit report, TransUnion is showing an incorrect address of :  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . That is NOT my address. I demand that this incorrect address is removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have opened a Home equity line with US Bank on XX/XX/XXXX, Account number XXXX with approve credit line of {$150000.00}. 
From that date, I never use this Account. I moved to Texas in XXXX, and close checking, saving Account with US bank but not Home equity line. I have note them my new address at Texas, and they have send me the Premier line XXXX date XX/XX/XXXX. From that date, I did not receive any information, statement from them. 
Up now, when I check from credit report, I know that there are a balance of {$63000.00} from my Equity line account. I call them and they said that is annually fee charge of {$90.00} and that charged is for 9 years. I complain why they did not send us any statement or XXXX to report this charge, they said that may be I did not update the new address!? As above mention, I have receive their Premier line XXXX card on XXXX, and my daughter live there in the house at California ( House that I apply for this equity line ) she did not receive any paper from US Bank. The manager told me that the fee charged is not refundable. 
I really feel bad about this and want to ask for help.

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 07/18/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Capital One 360 stole approximately {$50.00} from my account in 2012 and refused to give it back to me. They closed my account with no explanation. They still will not provide an explanation on why my account was closed. It 's illegal to just take my money and not give a good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Debt collection (Credit card) with Selip & Stylianou, LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: SELIP & STYLIANOU , LLP ( presenting XXXX XXXX ) misrepresented vital case information on several documents and provided falsified information to the courts. Additionally, the service processor used ( XXXX XXXX XXXX XXXX ) falsified the Affidavit of Service providing bogus and fictitious information.

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 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AP).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have the AMEX Platinum Card and have been assigned a Preset limit of {$5000.00}. They obtained inaccurate information of my FICO score from XXXX with out notifying me on XXXX XXXX, 2017. They claimed it to be a XXXX ... My score today is a XXXX. It has not been that low in a couple years when I had no credit. They also said I had a couple delinquencies which is also not true. I also only had 1 credit inquiry at that time when they said I had " too many on my report in the last 12 months. '' I want them to make sure they are checking the right score and that they take off the pre-set limit. I have never missed a payment with them. I love the card, I 'm just disappointed about them not having incorrect information.

Company response to consumer: Closed with explanation