milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2017 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 had disbelief when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2018 about Debt collection (Credit card debt) with M&T BANK CORPORATION (DC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: MT Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 09/17/2016 about Credit card () with WELLS FARGO & COMPANY (IN).
Issue: Billing disputes

Complaint: I made XXXX purchases using my Wells Fargo credit card almost 2 years apart. Both purchases was supposed to be 5 years no interest. On this statement Wells Fargo changed it from 5 years to just over 3 years

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 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have tried on multiple occasions to cancel my Experian credit monitoring. I am on hold for over an hour each time I call. 

Last time I was on hold for 96 minutes then someone answered and hung up the line. 

They take XXXX dollars per month and I have no way of canceling my service. I try to cancel online, only to be referred to call and cancel. 

This is fraud and must be stopped.

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

Complaint: Failed to secure my information and was accessed. Now my personal information may be at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Delinquent account

Complaint: I Contacted Capital One, Account number ****************. The account had fallen delinquent due to job loss. On XX/XX/2015, I offered to pay off the account for less than full balance. Capital One offered an amount of {$2000.00} as a settlement amount. I agreed and paid same in XXXX installments of {$340.00} and {$1700.00}. Final payment on XXXX/XXXX/2015. Capital One has failed to contact/report these payments to the credit bureaus with arrogance. They now say it is settled but the remaining balance is still reflected on the reports, with no reporting of the agreement or my payments reflected accordingly. Capital One says now, give us the remaining balance of {$880.00} and we 'll take it off. That was not the agreement. Capital One is using deceptive/fraudulent business practices with not only me, but I am sure millions of others. Why would I give these people anymore money at this point? Please investigate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do n't owe any money to XXXX for XXXX {$.00} this information is not accrete please take this out from my Credit Score ASAP Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Checking or savings account (Checking account) with Coinbase, Inc. (MO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX, four fraudulent {$25.00} charges were made to my bank account towards coinbase via debit card for a total of {$100.00}. I have reached out to coinbase and have yet to receive a response. I have also contacted my bank by email and am waiting to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notice on XXXX/XXXX/16 that my mortgage was being transferred from my current mortgage company to another one, effective XXXX/XXXX/16.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MD).
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 reviewed my credit reports and see that XXXX is incorrectly reporting that i was late on a payment on XX/XX/XXXX, some 4 plus years ago. The fact of the matter is I was NEVER late with even one payment and I have this account since XX/XX/XXXX. 
I wrote to XXXX, XXXX, XXXX and XXXX and they have not corrected their error. 
Please have this error corrected, it is effecting my ability to obtain a home loan and the reporting is false. 
Thanks

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 11/25/2016 about Consumer Loan (Installment loan) with Security Credit Services, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: I called in and spoke with a respresentative by phone.XXXX and he was not able to work out arrangements with me. He mispronunced my name I advised him I was considering bankruptcy but I wanted to work out arrangements. XXXX then told me he will set up arrangements after I spoke with his supervisor for XXXX then he came back on the phone. Asked for my phone number and email and I advised that I would not be able to provide that information. He can only notify by mail only. He refused to take my payment arrangement after I told him I would report the business to CFPB. I will be looking to take legal action based on this call.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I have three charges on my credit card which at the time ended in XXXX, for {$130.00} each. I did not notice that this charge fraudulently appeared 3 times. I ordered a product in a presale from XXXX XXXX, which ending up stealing the funds from thousands of people. In XX/XX/XXXX they notified everyone that they were not going to be able to ship their product. ( This was the second fraud, after charging my card 3 times instead of 1 time. 

I contacted CHASE Bank and they told me that there was nothing I could do since I could only dispute transactions for the last 3 statements. There was a XXXX page started for all purchasers of XXXX who had their funds stolen to give people information on how to get their funds back due to fraud. EVERY few days since XXXX there are people posting on the site about how their credit card company ( INCLUDING CHASE ) refunded the amounts since they accepted the charges of this fraud. The charges appear on my Card as " XXXX ''. All the posters say that the 3 statement limits did not apply since the delivery date was in the future and the company never delivered or returned anyones funds. THE TIME PERIOD SHOULD RUN FROM THE DATE OF NOTIFICATION WHICH WAS XX/XX/XXXX. I have tried 3 times over the last few months to dispute these charges to no avail, yet I see today, that there is another Chase Cardholder whom successfully disputed their charge along with testimonials from many people receiving their funds from many credit card companies due to the fraud. I feel i should be entitled to a credit of the {$400.00} fraudulently charged to my card. ( 3 charges of {$130.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (FHA mortgage) with Selene Finance LP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicing was sold to Selene Finance by XXXX in XXXX. XXXX had approved a loan modification and I had been paying them, without incident when they sold. One month into my relationship with Selene they raised my monthly payment by over {$300.00} claiming an escrow shortfall. I sell real estate and am hearing more and more of my customers complain about the pattern of changing mortgage terms. It is not unique to Selene but other mortgage companies are doing it too. Please look into this housing fraud scam immediately!. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/XXXX I recieved a letter from capitol one concerning a application for a credit card. This application was NOT submitted by me. I called capitol one and talked with XXXX on XXXX/XXXX/2016 and informed her I did not apply for credit.XX/XX/2016 recieved letter confirming that application was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Submitted a completed package to PENNYMAC for a loan modification including a letter of authorization on XXXX/XXXX/15 at XXXX EST. The Letter of Authorization was included as part of their Standard modification package and was also sent separately as a unique, one-page document. As of XXXX XXXX, the authorization had still not been uploaded or cleared by PennyMac 's legal department. I phoned PennyMac that day and they said they woulod escalate the matter, and the issue would be resolved by end of day. Today, XXXX XXXX, again, it still has not been cleared and my client is being denied a trained housing advocate. It should not take more than 48 hours. It has been over one week and there is no good reason for this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to contact XXXX and the companies involved about these inquiries on my credit report but im not getting anywhere.When someone open an account in my name it was XXXX, XXXX or Experian job to see the red flags. I have XXXX inquires with XXXX and I 've called over and over to have them remove but lately because of their breach. I cant seem to get anyone on the line. Anyways I 'm writing again to let someone know that the following inquiries were not made by me ... 

XXXX XXXX from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX CredcoInquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Bank/limited Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Mrcus Inquiry from XXXX 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 04/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have complained about OCWEN home mortgage in the past. I recently received a mortgage payment increase notice from OCWEN which increases the payment from {$1900.00} to {$2100.00}. The statement is dated XXXX/XXXX/XX/XX/2015. There is no explanation other than " Further detail regarding the reason for this change will be included in a separate letter. '' I have not ( as of today - XXXX XXXX, XX/XX/2015 received a separate letter. In addition, OCWEN has not stopped our PMI payments despite the fact that we have brought our mortgage principal down from {$180000.00} to {$140000.00}. The original value of the home was {$190000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by SANTANDER CONSUMER USA # XXXX is inaccurate and incorrect as you can see on the attached letter dated XXXX/XXXX/XXXX which states : Santander Consumer USA Inc. recognizes the above referenced account as paid in full on XXXX/XXXX/XXXX The information on my credit report is inaccurately stated and reported by Santander Consumer USA, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated XXXX/XXXX/XXXX by Santander Consumer USA details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( XXXX ) - Letter by Santander Consumer USA dated XXXX/XXXX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (DE).
Issue: Loan modification,collection,foreclosure

Complaint: Seneca Mortgage Services is a predatory company and my case is the smoking XXXX. Their business model can be outlined in three very simple steps : 1 : Buy delinquent mortgages from upstanding banks In my case, my loan was purchased from XXXX after I fell behind on my payments while experiencing a physical hardship that made it impossible for me to work. 
2 : Make sure the consumer FAILS at a loan mod or repayment program. 
This is something I DID NOT FAIL TO DO. All of my payments were made, in full, and on time. However, this is the " smoking XXXX '' I mentioned earlier. 
3 : Send the failed mortgages to Sheriff Sale so they can make money on the sale of the property. Self-explanatory. 

While on vacation, a letter notifying me of my property going up for Sheriff Sale was placed on my door. I did n't panic because I knew all payments were made. 

Basically ... they EVEN tried their three step plan on me. On a loan that was no longer delinquent, or had ANY OUTSTANDING PAYMENTS. 

If they tried this on me ... they 're trying it on everyone. PLEASE HELP STOP THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have previously consolidated my students with XXXX Department of Education a few years ago. and did not realize they had left small balance remaining which had gone to collections in the amounts of {$2.00}, {$9.00}, {$10.00} and {$29.00}. I found this out when I pulled my credit report. I called the department of Education and took care of the debt which was a total of {$51.00} and was advised that this would update to my credit report as paid and Current Transferred. I proceeded to contact the Bureaus to advised of the payment. When I looked at my credit report with Experian it show a total the old debit and the new debt on my report when I called to request they fix the account I was told they only add what is being reported by the creditor. so they have duplicates on my credit report which no one seem to care to correct XXXX is showing paid the other is still showing the balances of what I have already paid, the account numbers are as following Department of Ed/GSL/XXXX # XXXX Department of ED/GSL/XXXX # XXXX Department of ED/GSL/XXXX # XXXX Depoartment of ED/GSL/XXXX # XXXX When I ask them to correct all they were willing to do was dispute it again.I need this information to be deleted on 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 non-monetary relief
Consumer complaint received 06-07-2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Advertising and marketing

Complaint: XXXX separate times I have made reservations with XXXX resorts. When filling out the payment information there is a pop up that says if you are approved with a credit card from barclayus you can save XXXX XXXX dollars on this reservation. Both times I have been approved and although it states it will take you back to the site it does not. I called Barclay and XXXX and sent letters to both and received no resolution or compensation. I believe they are merely trying to gather personal information and I am probably one of many victims of their desceptive practice. The XXXX incident was in XXXX/XXXX/2015 in my name and XXXX one was XXXX/XXXX/2015 in my husbands name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (I do not know) with National Principal Group, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This company has repeatedly called my cell phone and place of business. I have asked them to not call my work and to also send me in writing a letter about what they want. They refuse to give me any information unless I verify the last XXXX of my ss number. I have no idea who is on the phone and would like something in writing which they refuse to send. They continue to say that they are going to serve me with " notice '' and say that they will be by my house to which they never show up. They call everyday and I am so frustrated with them, if I owe a debt why do they refuse to send me anything in the mail and why do they not show up to serve me my legal documents when they say they are.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had XXXX XXXX telephone lines for me and my family during XX/XX/XXXX, In the month of XX/XX/XXXX I closed my accounts with XXXX and went to another company. I fully settle the XXXX final bill dated XX/XX/XXXX which I received on XX/XX/XXXX by a cheque for {$60.00} sent under USPS certified mail.This XXXX had been realized from my a/c.In XX/XX/XXXX I received a letter from XXXX saying that I have a outstanding Balance of {$240.00}. Then I contacted XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I informed them that I have settled my final bill and I have nothing to pay.I also informed them that I have received a letter from Experience that my personal information has been hacked in the hands of XXXX, They agreed to that and said its being investigated and let me know the out com.But they never came back to me .Then I camplane it to CFPB too too, But I did not received a answer ( cse # XXXX ). Their after I received noticed from Debt collecting company named XXXX XXXX, requesting me to pay {$170.00}. Again I received a collecting notice from XXXX on XX/XX/XXXX requesting me to pay $ XXXX those occasions I explained to them the facts The latest from Debt collecting company named ERC contacted XXXX over the phone and requesting to pay {$91.00}, they have all ready reported to credit burou too.I have proof of all the document with me to prove what ia have said

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief