milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MI).
Issue: Problems when you are unable to pay

Complaint: On XX/XX/2014 I refinanced a loan with One Main Financial. Unfortunately, the details of the interest rate and term of loan was not clearly disclosed. I was experiencing some very difficult times and made a mistake in taking out this loan. This predatory loan company had sent re-loan offer letters and had called me on how they would like to help. When I first received this loan they changed my end of month payment date to mid month. I immediately requested for it to be changed back. The loan officer indicated that they could change it after my first payment. After continued requests over a year and half, they finally changed it. Although, payments were made within 30 days and before late charges I was charged more interest and most of the time payments were credited to only the interest. Are there any regulation or is there a cap on what loan companies can charge? I am a XXXX and feel I am being taken advantage of. I have paid over {$5000.00} on a {$7800.00} loan and still owe over {$6000.00}. Also, I have always called in my payments and for the last several months when I attempt to call in my payments call go to voicemail. Because they have caller ID I believe this is a ploy to have you to be late with payment. The latter they receive the payment the more interest can be charged. Initially, it was clearly disclosed that I would be required to pay a daily interest rate. I continue to receive unsolicited letters, emails and phone calls to re-loan or happy for lower interest rate. The female staff that called me indicated that I might eligible to receive a lower interest rate, when I simply indicated that I would listen to what she had to say, she did a hard credit check before I had given her the ok. Right after she indicated that she had to pull my credit, I immediately asked if it would be a hard pull, and if so I do n't want you to do it. S he said I have already did it. I did no give permission. This affects my credit. I told her to put me on do not call me again if I want to inquire about a loan I will call you. She later called back and apologized. 

Please indicate if your consumer protection department help. 
Thank you in advance for any assistance.

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

Complaint: On XX/XX/XXXX, Equifax reported that a security breach compromised the personal information of millions of creditors.
On XX/XX/XXXX, I used the EquifaxSecurity2017.com website to determine that my information was breached - according to the site, " based on the information provided, we believe your personal information may have been impacted by this incident ... '' I also signed up for a 90-day fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed a complaint via US mail requesting dispute/investigation with Equifax information listed in my credit report. Mainly to update the phone numbers listed in the consumer statement ( Fraud Alert ). The numbers have changes and I wanted them updated. 
I provided all the needed proof documents, ( Copy ID, SSN Card, Copy Phone Bill, etc ). 
I have not received an update on my mailed in request to update my information. 
I did however get a mailed statement from Equifax ( attached ) which states that they are adding a " XXXX '' statement to my credit report, and that it would remain in effect for 12 months. Plus they are notifing all the other credit reporting agencies ( XXXX XXXX, XXXX ) of " XXXX '' status added to report. 
This had nothing to do with my request. I am employed with XXXX XXXX XXXX was prior military XXXX years ago, and I am NOT on XXXX. All I wanted was the phone numbers updated on the Fraud Statement on my account. The NEW phone numbers should be XXXX and XXXX. I have NO KNOWLEDGE of any XXXXXXXXstatus to report for military service. Plus they are now adding it to all XXXX credit reporting agencies. So now they are no only in-correct in there reporting, but they are reporting incorrect information to other agencies. This is unbelievable!! 
These reporting agencies are total unaccountable for the mistakes and errors they impose on consumers. When you address this issue with them, please ask them to update what was request the " phone number for Fraud Statement '' XXXX and XXXXXXXXWhat can I do, as a consumer to hold the agency accountable. As a federal regulator and consumer protection agency. Making them correct what is wrong, does n't go far enough. 
A huge civil fine, putting a dent in the pockets of the company is the only to make change with these agencies. Yearly I pull my report, and each and every year something is wrong with the reporting. There mistake, not what a company reported. We need your help to correct this problem at all consumers face

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been asking for written verification from Experian credit bureau in reference to an account from pen air that they are reporting ... it has been more then 60 days and all they tell me is that it was verified but can not/will not provide me with any information as to how it was verified and refuse to remove it from my credit file. Both   XXXX   and  XXXX  have already removed this account from their files but Experian will not even provide me with any type of verification. This is severly effecting my abilty to purchase a home for myself and daughter as i am a single mother im sure you can understand why i am so concerned with this matter being handled in a timely matter. Thank you in advance for any help you can give me in resolving this matter

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 09-06-2015 about Prepaid card (Mobile wallet) with Google Compare Credit Cards Inc. (GA).
Issue: Managing, opening, or closing account

Complaint: Google Wallet suspended my account for fraud. There was absolutely XXXX fraud. They made me go thru a verification process which I provided everything from a picture of the debit card I used to fund my account, bank statement, ID and transaction history. After taking me through it for a few days they decided they are closing my account still but wont let me withdraw my money. Wont tell me how my money will be refunded. The card i have on file wont be valid after XXXX XXXX so if they decide to send the money to me that way it will not work. They sag i can get my money back in 30 days. I feel they are trying not to give me my money at all i found this article online where others have went thru the same thing. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I received my EXPERIAN & XXXX credit report and discovered that XXXX XXXX Delaware, hadhad unlawfully without my written authorization fraudulently viewed my creditreport on XXXX/XXXX/2015 in violation of FCRA. I did not authorize any employee of this comp. 
to review my report. This conduct is in violation of my privacy Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX 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 10/30/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Delinquent account

Complaint: I am being harassed about a XXXX Orchard Bank debt of {$500.00} which is now {$2100.00}. this they say happened in 2000. I say I cleared this up and I do n't owe them. My credit report has been cleaned up at least XXXX times in 15yrs. I say the statue of limitations protects me against their claim. They called me and threatened to come to my job and file a court judgement against me. They just want the money and said they would call on Friday, today to see what plans I have for paying them ( a XXXX party ) XXXX XXXX XXXX Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Consumer Loan (Vehicle loan) with KEYCORP (NJ).
Issue: Managing the loan or lease

Complaint: Please help! Had car loan with Key Bank - car was totaled in XXXX 2016. Insurance company sent three checks to bank. Last one finally deposited. GAP insurance sent remainder of balance to bank. Bank lost check. I continue to be charged the monthly payment even though it should have been cleared in XXXX. Please help! No one at Key bank will help me

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX violates my right XXXX trans union inaccurate information on my 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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Village Capital & Investment LLC (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: My original complaint has not been corrected and you ( cfpb ) have closed the complaint Village Capital & Investment LLC ran a credit inquire on me and my wife without us applying for credit, actually we cancelled the contract once we realized who was involved and we refused to deal with Village Capital & Investment LLC. I received a letter from XXXX XXXX XXXX - Compliance Representative for Village Capital & Investment LLC, on XXXX XXXX, XXXX claiming that all inquiries would be removed. Today I received a letter from XXXX XXXX that Village Capital did not run the report themselves but had " XXXX XXXX XXXX '' run the report for Village Capital & Investment LLC on XXXX XXXX, XXXX, with all three credit reporting agencies for them and those hard inquires have not been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed and disputed with Equiafax the inq are wrong i dis not allow a car dealer ship and paydayloans run my credit the inquiries are all of them I also have identity alert and fraud alert on my credit information they have the wrong social and address them out of inquiries everything I have disputed up and goes happen nothing is coming up also certain accounts are not mad like the medical XXXX I 've had insurance for fpur years

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: This is a follow up complaint to previous complaint  XXXX . Please reference the details in this previous complaint. The reason that I am submitting a new complaint is because today I called  Chase Southwest Visa to check on the status of my complaint. They informed me that they are just NOW beginning to investigate my complaint and that it will likely be several ADDITIONAL weeks before th ey are able to resolve my issues!! I first contacted Chase th e   XX/XX/XXXX r egar ding this problem. I followed this up with filing a complaint with the CFPB on   XX/XX/XXXX . It appears that they have taken absolutely NO STEPS to resolve my problem. I have received several form lett ers from " Th e Executive Office ' ' stating that they are investigating my case and will notify me when and if it is resolved. I do n't believe that they are doing anything on my behalf and are simply stonewalling. They need to be made to do right by this their customer!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage approved me for a standard modification in XXXX XXXX, with payments ( {$1600.00} ) in my Trial Period Plan due in XXXX, XXXX, XXXX, and XXXX XXXX. I paid {$1600.00} on XXXX XXXX, XXXX XXXX, and XXXX XXXX. Nationstar 's web site showed my XXXX and XXXX payments had been received. When I logged in last night to make sure XXXX 's payment had been received and correctly applied, I was shocked to see that my modification had been terminated. The explanation given was that I had not made my first payment in the Trial Period Plan or that I had requested the modification be terminated -- neither of which is true. The web page showing I had made XXXX 's and XXXX 's payments is now gone. Instead, I have a payment history showing payments I never paid, a payment reversal ( which never happened ), and a payment for more than the {$1600.00} I actually paid. 
Neither representative I spoke to today was helpful. I 'm faxing a letter and documents to Nationstar 's Research Department, but I 've dealt with the same Research Department in the past for a Qualified Written Request, which they did not fully respond to and also took far longer to respond than RESPA allows. I really need this modification and am concerned they will get around to my fax eventually but not in time to reverse the termination. I have only XXXX left in my Trial Period Plan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: my morgage just transfered hands, payment was XXXX i paid XXXX every year for 20 yrs. i had insurance and taxes added to my mortgage 1.5 yrs back. it seems the old mortgage apply-ed all the $ $ to p-i only, no notice of shortage to alarm me of problem. new mortgage wants XXXX and will not apply the extra amount to loan amount and wants a XXXX per month payment for 48 months. ive spent hrs try ing to get them to correct the problem that was error-ed on their side. i know my principle is lower but extra XXXX per month is not do-able. being self employed refinancing is harder to do. along with the late fees and there demands. i stilled paid my payment but it was XXXX short do to the new amount. my old co. was greentree

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2005 my wife took out a mortgage with XXXX XXXX XXXX. My name is not on the mortgage note. We moved to Maryland and upon pulling a XXXX found that XXXX XXXX XXXX still has this loan listed to me ( again it was in my wifes name ) and the loan is now serviced by XXXX XXXX , XXXX My credit report states that I have an outstanding and open account with XXXX XXXX XXXX . XXXX does not own the debt nor do I owe the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I was told by Freedom Mortgage when I received my XXXX advance check in XX/XX/XXXX that as long as the checks are under XXXX they will endorse and send the check back out. I also informed Freedom Mortgage that I am the homeowner XXXX and will be XXXX along with my fianc and uncle to help. I received the remaining balance for repairs of XXXX a few days ago and sent it to them and now I am told I need a contractor for them to release funds. I have contracts that I have signed for my windows and fireplace that needs to be paid with the remaining and that is only the beginning. I am not in my home its been 4 months since the flood and I am not making enough progress there is mold on the outside of the exterior that needs to be repaired and I am now told I need a contractor after some of the work has been completed by my family and I. To top it off one of the representative left me on hold and ended the call. My family and I have suffered enough and are still currently displaced. I am also required to continue making monthly payments to Freedom Mortgage and my HOA. My HOA is also guaranteed a portion of this money to complete exterior repairs. Another representative told me they have to make sure the repairs are right however my home has passed framing inspection and electrical. My final inspection will be put on hold if this money is not released because I can not afford to pay out of pocket to fix my home. I am very upset that I was told I will be reimbursed by sending in receipts after I have to pay with my own money. I am already paying to live in a temporary home and my current home is not able to be occupied until the final inspection.

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 10/22/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: i had all my exemptions removed from prior property tax years all at once. DEspite the fact i have legal options regarding this citimortgage is threatening to set up an escrow account with penalties and interest wihtout letting me avail various legal remedies and avenues i have available to me. this is wrong. no escrow account. i do not even have back up for what these taxes are based on and i know there are legal protections out there regarding this. I am tried of the one size fits all approach in how they are dealing with this. i value my home and obligation but to have all exemptions removed at once. is a hardship.no escrow account is to be set up. i am not going to let it happen. i want to talk to someone at my convenience about my plans and the accountability to which i have a right. and am entitled to do not set anything up do not bully me. i have legal options.

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 02-05-2017 about Consumer Loan (Vehicle loan) with Automotive Credit Corporation (FL).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX XXXX fraudulently sold to Automotive Credit Corp by car dealership. I traded my XXXX XXXX at XXXX XXXX XXXX in XXXX, FL in XXXX. The dealership sent XXXX bad checks to XXXX XXXX XXXX and failed to pay off the vehicle so they basically stole my XXXX XXXX. XXXX sent the title to XXXX after receiving the second check without confirming that the check cleared. In XXXX XXXX XXXX XXXX sold my XXXX that was not paid off as promised in the retail contract to Automotive Credit Corp. XXXX is currently out of business and XXXX XXXX demanding payment in full in the amount of {$13000.00}. I called the finance company to explain what happened and was told that I was not their customer and that there is nothing they can do. So basically they were informed that they are financing a car that was not paid off by the dealership whom they bought the car from and are failing to release the lien and return the vehicle to me so I can pay the initial lienholder which is XXXX XXXX XXXX.

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