milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Please have information more consolidated. Why are credit reports loaded with accounts being listed several times and it is for XXXX creditor? That is so unfair and unjust. 
I would like to see the Credit Report trimmed down. It is the most inaccurate document that I have every seen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Mortgage) with Shellpoint Partners, LLC (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted Shellpoint Mortgage Servicing to get a written statement of debt so I could pay it off. The debt was a result of a real estate short sale in XXXX. The HUD agreement was {$5000.00} to include an initial payment of {$2000.00} at closing from the bank and I would make XXXX payments of {$49.00}. 
Resurgent Mortgage sold their debt to Shellpoint Mortage Servicing in XXXX. At this time, it seems they failed to include important information regarding their agreement with me and the terms of the settlement. 
I contacted Shellpoint in XXXX of this year, XXXX. My intention was to pay off the debt. According to my calculations, I should only owe around {$1000.00}. 
I was told that I owed over {$17000.00}. I explained the situation, even sending them the original Settlement statement and 2 years of bank statements showing payment history. 
For the last 3 months I have been calling and attempting to get a settlement statement. I talk to someone different each time and they assure me that I will receive the amount in 5 days. The last call was made on XXXX XXXX, XXXX and the CS agent told me my balance was {$960.00}. 
Today is XXXX XXXX which is 9 business days from the last request. The " new '' person I talked to began with the same amount due of {$17000.00}. When he finally looked at the note from XXXX/XXXX/XXXX, he told me that nothing had been done around my request for a settlement statement. At that point, I asked to be transferred to a supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I began XXXX school in XXXX of 2016. I contact AES to tell them that I did not want my loans to be deferred. I wanted to pay them while I was in school so that they would count towards my public service loan forgiveness. The company removed the deferment. Since that moment, my account has been placed in deferment multiple times. I have contacted the company by phone several times. I have contacted the company by email, and the same thing continues to happen. Since dealing with this company, my public service loan forgiveness plan will be pushed back at least 6-7 months due to them not auto-drafting my set payment amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Equifax has been billing and collecting from me for the past 7 months without my approval. I submitted a cancellation request by phone and by response to an e mail XX/XX/2016. I just found out after closer review of my credit card activity that Equifax has been automatically charging monies on my credit card. 

I went on line to cancel and the national web site has no information or availability to cancel there unauthorized collection of funds from me. 
I called today and was told by customer rep that I could not cancel my membership on the web site because they do not allow that and admitted they do not have any information on how to cancel. I asked for my monies back and he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Back in 2016 I had a lapse in car insurance, so Wells Fargo Auto Finance charged me a fee for implementing insurance on the vehicle. Because I was never contacted about the charge going in to effect, and the charge did not show up on their website, I kept making regular payments, not knowing that I was racking up huge charges for months of insurance that I did n't know that I had. 

At some point, I finally got past due notices threatening to repossess my car if I did n't contact them. I contacted them, and the representative said that it was an error, and it had been fixed. I made another regular payment minus the insurance amount. A month later I got another notice that my car could be repossessed if I did n't make payment. At this point the charges were over {$500.00} due immediately or risk repossession. 

I got the money together and made the huge payment. Fortunately I saved my car from being repossessed, but my credit was heavily damaged as part of the whole situation. 

I think this was done unlawfully.

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 02-10-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: After previously disputing this erroneous account, Equifax still deemed the account verified. This account had incorrect account status and I have no idea how a " collection account '' can report " past due '' .. This should have been removed from my report. Please see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and I received and alert that a new unknownaccount appeared on my credit. I called Equifax and was told that I could not launch a dispute over the phone and was advised to fax my information over againalong with the police report that is already on file and include the newaccount. To date, both Equifax has not removed the account!!!! 
XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Struggling to pay mortgage

Complaint: On  XXXX   XXXX ,  XXXX  I received a workout option from  BMO HARRIS BA NK to pay  XXXX  per a month towards my home equity line of credit  XXXX . I received a letter in writing stating that if I put down  XXXX  and pay  XXXX  per a month on the first day of each month.   I have paid every single month on time since  XXXX  of  XXXX . In  XXXX  of  XXXX  and  XXXX   XXXX , Harris Bank did not withdraw the money from my bank account.   I called the bank and was informed that I owe them all the money at one time.   I told them that I had a written agreement from the employee that no longer works at the bank.   I was told that they did not care, and that I had to now pay  XXXX  a month for one year, and pay the loan off in full.   This is illegal. I was not informed and they are reniging on the original terms and agreements that were given to me by  XXXX   XXXX .   I need help with this.

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 02/25/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I first learned of the debt of {$130.00} on XX/XX/XXXX from Transworld Systems Inc., that I did not know I owed. They immediately put this debt on my credit report prior to my knowledge of the debt. I tried to pay the debt and inadvertantly dated my check XX/XX/XXXX instead of XX/XX/XXXX. They returned the original payment slip with my check to my son with a letter stating he owed $ using the same account number. According to the original account at XXXX XXXX my son was XXXX at the time this debt occurred. I am not exactly sure what they are trying to do but I am sure they can not go after XXXX different people for the same debt. I also do not believe they followed proper procedures prior to reporting anything to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " Commonwealth Financial '', I contacted them several times to dispute this account that had been closed. Commonwealth did not respond to my debt verification disputes for the past few months. Commonwealth resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly XXXX ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. Commonwealth has been ignoring my mail correspondence regarding the validation of this debt, and sold it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In response toy your complaint number XXXX. The validation of the debt you submitted does nto validate a debt. You sent me statements that shows an address I never lived at. the address on those statements is XXXX XXXX XXXX, XXXX NY XXXX. Clearly this account was a fraud opened without my authorization. And you keep sending statements and you refuse to send me the signed credit application that shows the signature and the address used to apply for that debt in my name. 

I need the credit applaiction to take this case to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: We had a XXXX with XXXX XXXX XXXX from XXXX to XXXX, when they charged off the account after only 2 months late. ( we had never been late before ) We closed the account in XXXX and since we were struggling due to the recession, we were unable to make payments. XXXX XXXX filed in court against us. It took until XXXX to get to court and we settled on an amount with no fault on either side. ( we did not agree with the amount they were reporting ). We paid XXXX XXXX XXXX the agreed amount. They have been recording on our Credit Report, inconstant and incorrect information for many years. Although the reporting seems to be gone on XXXX and XXXX, it has now reappeared on Experian and it is showing as a charge off in XX/XX/XXXX! We are unable to dispute with Experian, because we have disputed this account in the past. We called and spoke with the collections dept at XXXX XXXX XXXX and they claim it is being reported CORRECTLY! It has been almost 9 years since the charge off in XX/XX/XXXX, and almost 10 years since the first late payment. All our other creditors worked with us through the recession and we did not fail to pay any of them. XXXX would not work with us. They rushed to Charge Off a 20+ year old account that had never been late and now almost 10 years later they are still hurting our credit and they are not willing to help get this resolved. This account should have been removed after 7 years from the first late payment, yet we are still having to deal with this.Please 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 non-monetary relief
Consumer complaint received 03/15/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (MO).
Issue: Managing the loan or lease

Complaint: AVANT LOANS : This company does not allow you to update your bank information online in order to pay the loan. They require undue burden of mailing in a voided check which could cause problems with the old checking account and unnecessary fees for returned items. They also do not allow you to update your address online - it must be through mail or fax. 

I wanted to pay additional money on my account toward principal. This company does not allow that and requires that interest and fees are paid first - even if you have made your regular monthly payment. I asked what amount of my payment would go toward the principal and they REFUSED to answer unless the payment was made. there are no payment tables, no customer support regarding early payoff totals - nothing. 

Address is absolutely not found or VERY difficult to find on website. Contact Us takes you to a form - you fill it out and hope someone gets back to you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (FHA mortgage) with Consumer Real Estate Finance Co. (AL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Hello my name is XXXX XXXX XXXX XXXX. We were told we got a pre approval to purchase a home through Consumer Real Estate Finance Company ( CREFCO ). We had some concerns regarding a previous property that was included in a chapter XXXX bankruptcy and foreclosed upon. We wanted to make sure that this was not going to be an issue before we put an offer in on a home. We received an email back from XXXX XXXX a loan officer with CREFCO on Tuesday XX/XX/XXXX the read " Because the home that went through foreclosure was included in bankruptcy. we should not have any issues through underwriting ... '' After puttiing an offer in on a home and investing {$500.00} earnest money down, paying for a home inspection at the cost of {$300.00}, and FHA inspection at the cost of {$540.00}. and a re-inspection of {$170.00} for a total of {$1500.00} we are told that we can not get a clear to close because the foreclosure date that the title was transferred out of my name was XX/XX/XXXX. As this company claims to be FHA financing experts they should have known when asked before I invested any money that there would be issues. We asked and counted on their professional opinion that has now cost me XXXX and we can not get the home because of the exact issue we asked about up front. They should be held responsible for negligence and ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Settlement process and costs

Complaint: Dear sir or madam, Previously I was required to bring a CFPB Complaint, Complaint # XXXX, relating to this present complaint. Complaint # XXXX resulted in permanent mortgage modification documents, delayed nearly 1 year, finally to be tendered to myself, the borrower in XXXX XXXX '. Specifically, the modification offer and my acceptance originally occurred 1 year earlier, in XXXX, XXXX ', when XXXX XXXX XXXX was my loan servicer. 
My duties under the original trial/permanent mod offer were to make 3 trial payments, which I did and thus fully performed under our contract in XXXX, XXXX & XXXX XXXX. After XXXX XXXX XXXX received the final trial payment in XXXX XXXX ', it immediately sold my loan to Seterus , Inc . Yet again, I can not overemphasize, Seterus failed to send me the permanent modification contract, despite countless calls and letters, until XXXX XXXX. Please see attached. 

Between XXXX XXXX ' & XXXX XXXX ', servicer Seterus , Inc. repeatedly claimed it was in the process of generating the permanent mod documents. I now have discovered that during this same time period, Seterus and it 's attorneys continued to add to my account it 's attorney and other fees, fees generated by Seterus attorneys neither able to explain Seterus 's delay, or resolve it 's underlying cause. Such fees were the result of multiple court dates, mediation sessions, and correspondence with my attorney, ( also of course required to bill me for such time also ). Most notably, in Seterus letter of XXXX XXXX, XXXX, the date when the permanent modification contract was finally tendered to me, it 's Representative ADMITS the cause of the delay was Seterus 's own " system limitations ''. Please see attached. 

Yet incredibly, Seterus then immediately sold this loan to a new servicer, Selene Finance. But before doing so, added {$1000.00} to my account balance for the legal and other fees it generated during the time between XXXX XXXX ' when it acquired a fully performed trial/permanent mod loan, and XXXX XXXX ' when it finally overcame it 's " system limitations '' and sent me the permanent mod docs promised, but not delivered, since XXXX XXXX '. Please see attached. 
This action by Seterus resulted in a {$1000.00} charge added to my account with Selene Finance. I formally contacted Seterus concerning this matter, who now unfortunately fail to recognize it 's earlier admission that Seterus 's own " system limitations '' caused the permanent mod delay and resulting fees, and thus were charges I should not incur. Please see attached. 

Thank you so much for your prompt and just attention to this matter. I continue to be billed for these wrongful fees on my monthly Selene Finance account statement. Please contact me anytime if so necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: I took a car loan through Santander Consumer USA and it has been downhill from that day. My vehicle has been repossessed TWICE. The second time was all because of a {$1.00} short pay, which was the customer service agents fault. I called in to make a payment and they gave me the incorrect amount, I paid and a few days later I went to leave for work and my car was not in my driveway. I have been charged OUTRAGEOUS fees ... I 'm talking thousands of dollars. Now, after making XXXX payments of {$360.00}, my loan balance has n't budged! It is still the same from the day I got the vehicle. I have paid over {$4000.00} and according to Santander, it 's all going towards interest and that I still have an interest balance of over {$1000.00}. How is this even legal?? Not to mention they call 1-2 times DAILY, when you 're past due ... which is incredibly excessive. When I have called to complain about my payments not going to my balance I get the same robotic response telling me this interest is accruing DAILY and that is why it is so large. So basically, Santander feeds on those with low credit scores and then robs them blind. This car can never be paid off, EVER, because Santander keeps it 's customers from paying off their loans. They are doing this so they can continue to make money off interest and they are so quick to repossess and I believe they do this to make even more money. Please help us unfortunate enough to get stuck under Santander!

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/XXXX I attempted to lift the freeze on my credit reports with Experian, XXXX and XXXX. I was able to lift the freeze immediately on the XXXX   and XXXX sites. Experian would not lift the freeze either online or on the phone, and gave me instructions for mailing in my request, supporting documents and payment. 

OnXX/XX/XXXXI mailed all the requested information and my check via USPS Priority Mail with tracking. USPS confirmed delivery of my letter to Experian on XX/XX/XXXX 

On XX/XX/XXXXI received a " Dispute Results '' letter from Experian dated XX/XX/XXXX presumably in response to my request. It states that " Your personal credit report already displays a security freeze ... If you submitted a check, it was not cashed ... '' I have tried again to lift the freeze via the web site and by phone, with the same result, that I am directed to mail in my information and payment. 

I have been unable to speak to any person about this, there is only a phone tree. 

I need to have the credit freeze temporarily lifted because I have to move. I am in danger of becoming homeless because Experian refuses to lift the freeze. I consider this situation very serious.

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 07-12-2016 about Debt collection (Auto) with HONOR FINANCE, LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: My car loan was sold to a finance company because the original seller went out of business. Ive asked for new contract or something in writing by mail explaining that the debt in fact has been sold.they refuse to give it to me. They constantly threaten me to seize property or garnish wages and say rude things when im only behind by a day or so. i also have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Other financial service (Check cashing) with Fidelity National Information Services, Inc. (FNIS) (AR).
Issue: Customer service/Customer relations

Complaint: My husband and I tried to cash a check from the XXXX XXXX XXXX XXXX ( my husbands work credit union ) at XXXX on XXXX/XXXX/2016. It was declined. I came home and called the credit union and they assured me that the check was good. We tried again at XXXX ( our bank is closed on Saturdays ), again the check was declined. I have called Certegy customer service over and over again. I have never spoken to a live person. All I ever get is a recording and then I am put on hold. Endless hold, for hours at a time. My husband and I never write checks, we use a debit card all the time. The only thing that I can figure out is that we do n't meet Certegy 's criteria, because we do n't write checks. What in the world does that have to do with us cashing a check?? This seems terribly unfair to me that we are being punished and unable to cash a check at a business that offers check cashing just because we do not write a lot of checks. It is horrible that they can decline to cash your check and they do n't have to tell you why. This seems illegal to me.

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