milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2017 about Payday loan, title loan, or personal loan (Installment loan) with RockLoans Holdings LLC (AR).
Issue: Problem when making payments

Complaint: Dear Consumer Financial Protection Bureau : On Tuesday, XX/XX/XXXX in the afternoon, I contacted XXXX XXXX, a XXXX XXXX Company via phone. I spoke with XXXX XXXX  specialist, XXXX in XXXX, Michigan. The purpose of my phone call was to make arrangements to change the due of my payments from the XXXX of the month to the last day of the month. There was a two fold reason for this, the first was that I get paid at the end of each month. And second, with changing the due date, I can avoid any late charges. During my conversation, I authorized XXXX to talk with my son, XXXX XXXX due to my XXXX. My conversation with XXXX became a three conversation. My son, XXXX XXXX, XXXX ( the XXXX XXXX Specialist ), and myself. XXXX XXXX Specialist, XXXX informed my son that there was NO WAY where XXXX XXXX can change the due dates to the payments. However, you ( I ) can make arrangements each month before the due date to delay payments. This way you ( I ) can avoid any late fees. I witness via hearing the conversation on the other phone line. On XX/XX/XXXX, XXXX XXXX to debit from my checking account {$110.00} ( Exhibit A - Bank Transaction Number of the XXXX XXXX Payment ). Two weeks later, I received an email from XXXX  XXXX that they ( XXXX XXXX ) did not receive any payments from me ( Exhibit B - copy of the email from ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Struggling to pay mortgage

Complaint: good evening. at this time i have a strong offer on the property. right now i have an offer of $ XXXX, and the lender came back with the offer did not meet investor requirements. I have asked the lender what does that mean, and i have yet to receive answer. I feel as if the lender did not pay the attention to my offer that it deserves and i want them to go back and look at the offer on a more serious note. 
I am trying my hardest to get the property sold and the lender is thwarting my efforts at every turn. If this is giving me a foreclosure alternative then i am truly disappointed. I only want to try to take care of my responsibility since i failed at the first time. I want to sell the property and i need my investors assistance to sell it.

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 11/14/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a several disputes to Equifax after being a victim of identity theft -- starting in XXXX. I submitted all the proper documentation. They did not block any of the items ( III. A. Blocking Information in Credit Reports under Sections 605B and 623 ( a ) ( 6 ) ), and they continue to report them. I asked for the items to blocked and thoroughly disputed, I also asked for validation proof. They did not respond or send proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with BANK OF THE WEST (NM).
Issue: Using a debit or ATM card

Complaint: I had charges from XXXX in my bank statement from XXXX/XXXX/XXXX monthly thru XXXX/XXXX/XXXX the amount initially was {$12000.00} and the highest charge is {$150.00}. The total charges were {$1300.00}. I contacted the Bank and they contested the charges. The Bank representative indicated XXXX did not dispute the charges and credited back {$410.00} based on the 60 day liability but they recovered a bit more. The debit card in question had the XXXX charges and XXXX other charge for it 's life. I have never had insurance with XXXX. XXXX identified the account in question with the bank card number. XXXX would not assist me for confidentiality reasons even though the representative could see that the account was issued to another person. 

What are my options to have address fraudulent activity when the Bank and XXXX say have done all that they can do?

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX has ever XXXX credit inquiries on my credit report. i have contacted them via regular mail and disputed with the credit reporting companies. I did not authorized XXXX XXXX to inquire about credit. XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Taking out the loan or lease

Complaint: XXXX issued a gap insurance refund to Santander Bank in XX/XX/XXXX fro an auto loan. Santander was to re-issue the refund to me. I called on XX/XX/2016 to inquire since it had been 3 months and was told the check was mailed. I called on XX/XX/XXXX to inquire because I still have not received the refund. Santander now says XXXX was to issue the refund ( XXXX ). I called XXXX on XX/XX/XXXX but they have no record of a refund. I called Santander back, as directed by XXXX, to inform them of this and was told there is no record of a refund in the amount of {$520.00}, but on XX/XX/2016 there was and I have a photocopy of the check XXXX sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (CO).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was lost. When it was sold from XXXX institution to another. Trying for 3 years to get answers no one will talk to me. Now my house is going in foreclosure because of all the mix up from the past 2 years. They must have found my loan docs or maybe not. They have never reported me delinquent for missing any payments? It does n't make sense. Now I 'm to far behind to save my home? XXXX has Statebridge Mortgage servicing my loan currently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FMS Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FMS Collections is harassing XXXX of our deposit customers over a duplicated mobile deposit check item that had already cleared customer 's account. 
Our consumer paid a common laborer XXXX XXXX XXXX XXXX {$180.00} for labor. XXXX XXXX deposited this check by mobile deposit with another bank ( XXXX ). This item cleared consumer 's account at our bank. Later, XXXX carried the original check to XXXX and cashed it there. Our bank returned the check as a duplicate item. XXXX referred it to FMS Collections and who has been harassing XXXX XXXX. They refuse to talk with our bank with our consumer present to try and resolve the issue. Our consumer does not owe XXXX the money. XXXX does. XXXX has since been arrested and jailed on other financial crimes with other citizens and bank. Our consumer was unable to get any assistance with XXXX since XXXX is the party that has the original claim against our consumer. It is only {$180.00} but he should not have to pay the item since he does not owe nor should XXXX XXXX Bank have to pay it. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt over the phone back in XXXX. ACH did n't go through so she called back and did a Debit card payment for the full {$100.00}. Now I am receiving calls saying that this was never paid. I have provided proof and if this hits my credit I will sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with A.I.T. Credit Services Inc. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: the debt collector calls my employer XXXX times a day and then he calls all my neighbors and defaming me

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I was the victim of identity theft in XXXX 2017. I have called XXXX XXXX XXXX XXXX and XXXX XXXX to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. Sadly, I have not heard back from XXXX of the companies above in reference to this or how they are going to remove from my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received phone calls from the following number twice during business hours this week XXXX/XXXX/2016 - XXXX/XXXX/2016 : XXXX. The agency identifies themselves as Transworld Systems Inc. and states that I have unpaid medical debt. 

I have carried XXXX Identity Theft insurance for the last 13 months, and credit/identity monitoring through XXXX. I contacted XXXX and was advised to pull my XXXX credit reports and call back to review them with a consultant. All XXXX credit bureau reports were clean for collections accounts and accounts in negative standing. I was advised to ignore the calls and submit this complaint. I have also never spent time in a hospital or otherwise received medical treatment beyond standard primary care of my physician.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a debt validation letter to the XXXX XXXX. What they sent was not sufficient validation that I owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I pay my mortgage on time every month via the website. Last month when I tried to make my XXXX payment it would not accept my payment stating my payment was past due again my payments are made on time every month. When I called Ocwen I spoke with XXXX Id # XXXX she keeping stating that my payment was past due which was incorrect I ask to speak with a manager or supervisor spoke with XXXX XXXX id # XXXX he researched this and stated that my payment was not applied to my account in XXXX and was trying to charge my a fee to make the XXXX payment again never late company error try to make me pay for the fee to accept my payment over the phone the website would not accept my payments via stating my payment was over due. After stating my case the gentleman stated the fee would be waived and that the site would be corrected today I am trying to make my payment again the website states my payment is past due. Please help with this situation I am so tired of companies doing to consumers thinking we are stupid and they can do whatever they want. Changes need to take place with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There is a XXXX Bank account that does not belong on the report, XXXX has agreed for removal and the reporting agency keeps saying verified, this is wrong information on my name and it hurts me to the bottom. 
I have included a copy of my report as well the letter from XXXX bank showing the account in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am now abroad of the United States for 5 months, I think it is gon na be even longer ... Due to the fact that I do n't have access to my USA number they blocked access to my online banking. However, I have access to my email account which is registered in the bank. 
Several times I called them, explained that I 'm overseas and have only access to international number and e-mail they have in file. But they do not care.I ca n't check online what is going on there! 
I have 2 credit cards and 2 checking account, everything is blocking .... 
They may have confused my information with my stepfather, because when we first open a checking account, it was with his name like there are 2 people on the same checking account. But I have persona checking account! 
I also sent many times my documents via Fax ( instead of something to go to brunch ), as they ask. Absolutely nothing help! 
When I call them, they say different reason every time, first you have no USA phone number, the second some problem with one deposit a check or what, the third some deposits and more. 
In fact, I do n't have access online to my personal checking account and my personal debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A disputed account from AFNI came back verified from CRAs. I contacted AFNI on XXXX/XXXX/2015 via email making an FCRA 623 request for verification of account, including original contract, billing and any other documentation to substantiate this account and the billing of it. I received acknowledgement on XXXX/XXXX/2015 via email that my request was received and they would be in touch with me. I have heard nothing else to date from AFNI and they have failed to delete the negative info/account from my CRA as required per FCRA 623. Since the company has failed to reply to my FCRA 623 request I have no choice but to assume they are unable to verify this account and thereby they need to remove the negative information from my FCRA as they are perpetuating adverse action based on this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with HYUNDAI CAPITAL AMERICA (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Never requested this inquiry. Dont even know what it is

Company response to consumer: Closed
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have several ( XXXX ) inquiries on my account that are unauthorized and the credit bureaus will not delete inquiries

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 11-08-2017 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: Case number XXXX, i returned item via XXXX XXXX Shipping Label Tracking : XXXX, the return was delivered on XXXX/XXXX/XXXX however i never got refund. I contacted and faxed all info to Chase twice, however they are not working on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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 disputed all of my Inquiries on my credit reports fr om  XX/XX/XXXX  and  XX/XX/XXXX  and th ey did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them.     The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance  C. C. Employment D. D. Court O rder

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 02/26/2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I SENT IN THESE LETTERS FROM EACH CREDITOR, DIRECTLY TO EQUIFAX IN XXXX BIG ENVELOPE, THE CREDITORS HAVE ADMITTED TO MAKING ERRORS ON MY REPORT. THE FALSE INQUIRIES WERE SUPPOSE TO HAVE BEEN REMOVED BY NOW AND THEY NEVER HAVE. ITS BEEN WAY OVER 30DAYS NOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I contacted Discover in regards to a " XXXX XXXX '' program, involving the freezing of charging privileges on the account, combined with a lowering of the interest rate to 9.99 %, and automatic payments of {$14.00} per month, paid on the XXXX of the month for a period of XXXX months, or until I was under the credit limit, at which point I was free to be removed from the program upon request and verification. 

Upon requesting removal from the program, I was told ( falsely ) that this was not possible. The argument became quite heated, and it came to the point where I 'd said that we either need to find some remedy, or close the account, and that I would wait for the debt to age out. I eventually began using profanity, and she told me she would terminate the call. I told her to " go XXXX herself '' and she hung up. 

Upon calling back to speak to another representative, I received a notification that an email was received from XXXX. The email said my account had been closed. 

This happened without a proper request for authorization on my part. Me being angry does not constitute a verbal contact, as there is no agreement portion involved, and because of that, it 's also not enforcable, because it 's unlawful. 

I 'm seeking the maximum damages, as this resulted in my losing access to the money that I put into the card before my request ( {$260.00} ). Also, it damaged my credit report because this was a closure of my oldest account. 

They refused to provide a copy of the internal complaint I submitted for " security reasons ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax had a derogatory remark on my report from XXXX XXXX XXXX XXXX. This account should have been closed. XXXX  covered 80 % of the bill and I covered the other 20 % ... Just two nights ago I got a call saying I still owed the money and I told them I did not and that I would send them the receipt stating the money was paid. Before I could get the receipt in the mail and send it to them it was reported on my credit report again after months of fighting it and disputing it. This is the second time it has been reported. It was removed and it is now on there again. They sent it to another collection agency and Equifax had no right to put it back on my report. How do I stop them from harassing me? I also thought it was against the law if it is n't a contracted loan on my credit report. I need to know how to stop these people and get them to not put it on the credit report again. Why does Equifax give these people the right to do this to the consumers? And they 're harassing me, calling me late at night and being rude on the phone. Please help me stop these people from doing this to me. This should of been taking care by them, for i had XXXX XXXX insurance by them to pay the bill, and they should have responded to the insurance company. My health is affected by them, I want to sue them and how do I do this. These people need to leave me alone forever and stay away from my credit report. I need to do something about this immediately. Please again, help me.
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Serviving.LLC .... 
I have been harassed., threaten., account infomation withheld., and Sumomon to court for repo. 
While in bankruptcy., called., theaten me., said I was not in bankruptcy., ,for me to get out of they home., '' We are coming to get it ... '' Sick of fight them..! 
Brougbt in XXXX ... Been fight Green Tree Services until this day ... .Enough ...!!!

Company response to consumer: Closed with explanation