milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Westlake Financial is reporting and has reported inaccurate information on my loan. Westlake just started reporting to the credit bureau based on my request for them to report the account to the credit bureaus in XX/XX/XXXX. Up until last week the accounts had been reported in good standing only after I made a complaint to the CFPB about the account not being reporting for the full length of time on the XXXX report. I called Westlake Financial to discuss the late payments that they are reporting. The XX/XX/XXXXpayment they are reporting is not correct as my payment due date was changed from the XXXX to the XXXX of the month making the payment due onXX/XX/XXXXand notXX/XX/XXXX. I made a payment onXX/XX/XXXX which would have made the account less than 30 days late. They are also reporting for the month of XX/XX/XXXX as late. I made arrangements for the payment to be put at the end of the loan this was completed on XX/XX/XXXX which was 12 days prior to the account due date. They advised me when I called today that due to the time it takes to process the paperwork my account became late. I was not advised that such would happen. Again up until last week Westlake had reported all of my payments as on time. So the last six months they reported the account as being on time but after I filed a complaint with CFPB now all of a sudden the account had late payments. It is a violation of the FCRA to report inaccurate information and holds a statutory fine of $ XXXX each occurrence. The person I spoke to today told me that I have to dispute the item with the credit bureau. I explained to her that I would like to dispute it with the creditor as your company is the one that made the mistake with reporting incorrect late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Debt collection (Medical) with GLA Collection Company, Inc. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received at least 2 calls per day including Sunday ato different times as late as XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been having issues with our mortgage company over the past two years. This started out with our home not being assessed properly, thus raising my monthly mortgage bill about {$700.00} dollars. This was obviously not their fault because of how my house was valued. So, they allowed me to spread my payments out over 5 years, which was a good thing. So, my mortgage went from {$3300.00} to XXXX, to XXXX. I then asked the locality in our area to re-assess our home so that we could lower our mortgage payments. Once that was done, I received a refund for our school , county, and township taxes. I then asked our mortgage company if we sent them a check to go directly to our esscro for our taxes, would they be able to reduce our monthly mortgage payment. The response was that it would go down to around XXXX a month, which i was pleased with. That payment happened in XX/XX/XXXX. When I received my bill for XX/XX/XXXX, it was over XXXX! I called to ask why this was the case, and the response was that they use a formula that specifies what the monthly payment would be based on how much is owed vs. extending the payments, which did n't make sense to me. If someone would have told me that the XXXX payment for our mortgage would have raised my monthly bill, then I would have never made that payment, and I would have been happy to just deal with the XXXX a month payment! And to add insult to injury, I lost my job XX/XX/XXXX. So, I still owe a XX/XX/XXXX and XX/XX/XXXX payment. I 've applied for borrowers assistance from the mortgage company, but I am not confident that they will give me the assistance that I require to get my life for me and my family back on track. I am obviously frantically looking for a job so I can get back to supporting my wife and XXXX kids. Anything that you can do to assist is greatly appreciated!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Called me at my work business number. Followed by calling my work distrubution of my SS # &  DOB  requesting confirmation of employment.

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 02/16/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Closing/Cancelling account

Complaint: XXXX of XXXX I booked a hotel for XXXX XXXX on XXXX using a credit card by citibank. 
XXXX of XXXX my identity was stolen and fraudulent charges made on the citibank card. Citibank said I am not responsible and took care of it. Within a week or 2 we closed that account. 
XXXX XXXX I canceled the hotel and XXXX said they could only refund to original card so they did. 
I called Citibank and was told I would receive a check after 6-8 weeks. 
3 months later now XXXX XXXX I called Citibank and asked about the refund. They said it was credited to the fraudulent account?! How can that be if it was closed? I asked for this money and they said they ca n't do anything about it but I should contact XXXX. I did that and XXXX said the transaction was complete and Citibank has the funds. I was told to call Citibank! 

At this point I believe Citibank is the one who needs to give me my funds back. 
It seem when the account is closed they will be happy to allow money in but not out. I just want my refunded hotel amount back.

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Team I have had Credit monitoring service with Experian for several years and I had paid a monthly subscription fees for it. However, my subscription fees jumped to {$17.00} suddenly in XXXX. When I tried to call the customer service for an explanation and cancellation, there is a wait time of over 2 hours irrespective of the day and time of the week I call. I made several attempts trying to connect to the customer service and could never get across to them. I can not cancel my subscription online and have to rely on a non-existent customer service line.

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 06/27/2017 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: Public record information inaccurate

Complaint: I have sent Certified letters to all three credit bureaus to have this bankruptcy removed from my credit report and I have received the same response " This item has been verified through a third party reporting agency " I have a letter from the US District Court stating they do not verify to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: birth year is wrong, i was born in   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XX/XX/XXXX, my checks were being garnished for XXXX twice a month. on XX/XX/XXXX I completed my loan rehab plan with Coast Professionals and my loans were sold to XXXX. I have called both XXXX and Coast Professional to provide me with a payment summary of how much was taken and where it was applied. Coast Professional rep ( XXXX-she refused to give a last name or ID number ) stated they can no longer see my account with them to call the current servicer of the loan. I spoke with XXXX quite a few times to get some form of verification because of the things I 've seen on the news and read on the internet. No one has yet to provide any documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (TN).
Issue: Closing on a mortgage

Complaint: I tried to find out what the payoff was the said it was a fee involved which was not disclosed by freedom financial. They would not accept the certified check for the payoff and are going to charge me a late fee because they did not accept the certified check I just wanted to pay for my house. I sent them a check for  XXXX  on    XXXX   XXXX   XXXX    and was told it was not acceptable on   XXXX   XXXX   XXXX    and was refused to be allowed to talk to a supervisor.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with fraud alerts or security freezes

Complaint: Like 143 million other Americans, I was the victim of a devastating leak of personal information that will leave me susceptible to identity theft for the rest of my life. In order to try to minimize the fallout of this egregious breach of consumer trust, it was a necessity that I place a credit freeze on all my credit files. And yet, even though the events forced me to place this freeze were beyond my control and no fault of my own, I was forced to pay {$10.00} to each of these bureaus to place the freeze, and will be forced to pay again should I need to thaw my credit files. This simply is n't right. Credit freezes and thaws should be free. Freezing your credit is a protective measure, and consumers should n't have to pay to protect themselves, especially when it 's to protect themselves from the incompetence of these credit bureaus that are allowed to accumulate so much personal information, without consent, on so many Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Struggling to pay mortgage

Complaint: We were as month behind then two I scheduled a payment and needed to change the date they did n't change it so it bounced. I set it up again they refused there payment I have confirmation of the payment but they never applied it. I wanted to add to my monthly payment as o if be caught up by XXXX they refused now want XXXX by XXXX I ca n't come up with it I 'm XXXX and have high med bills if they 'd let me get caught up by say XXXX XXXX I could do it but they wo n't our old mortgage co let me pay extra when I fell behind this co said they do n't allow it well my Lian was sold XXXX never agreed to a private investor who wo n't follow the law. I need a payment agreement

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (CA).
Issue: Deposits and withdrawals

Complaint: I have an account with Ally Bank. As per the Ally bank website and their customer service, Ally bank does n't charge any fees for incoming international wire transfers. However I find that for an incoming wire transfer, I was charged {$30.00}. When I enquired with Ally Bank customer service about the fee, they told me that they could n't help me trace why their own designated intermediary bank ( XXXX XXXX XXXX ) charged the fee. They further told me that on incoming wires I should ask the sender bank to mark field XXXX as " OUR ''. This was n't mentioned anywhere on their website. I am pasting below the exact information about incoming wires on their website verbatim for your reference : XXXX BEGIN ALLY WEBSITE INFO XXXX Top Related FAQs How do I receive a wire transfer? 
To receive a wire transfer from another bank in the U.S. : You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : Ally Bank ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Beneficiary Account Number : Your Ally Bank Account Number Beneficiary Name : Name as it appears on your Ally Bank Account To receive a wire transfer from a non-U.S. bank : Incoming wire transfers from a non-US bank are processed by our designated receiving bank, XXXX XXXX XXXX XXXX, XXXX. 
You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : XXXX XXXX XXXX XXXX, XXXX. 
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX or Bank Identification Code : XXXX Beneficiary Account Number : XXXX Beneficiary Name : List 'Ally Bank ' since the wire is being processed by XXXX XXXX XXXX XXXX , XXXX. 
Further Credit : Your Ally Bank Account Number and your name as it appears on your Ally Bank account. 
Note : We wo n't charge you to receive a wire transfer into your Ally account. 
XXXX END ALLY WEBSITE INFO 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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

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 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Related Case number : XXXX Related Case Number : XXXX I recently contacted the original creditor to re-investigate the error from XXXX requesting an unpaid balance. Upon further investigation the original creditor found a mistake on their end and apologized for the mistake and inconvenience they caused me for that past four years. XXXX emailed IQ Data and myself the correct balance owed, which is {$18.00}. I have attached the updated and correct ledger showing the correct balance due of {$18.00}. IQ Data please mail a Letter showing the previous balance as incorrect and stating the correct updated balanced due. In addition, please add to the letter that the account is Paid and Closed and please delete this Mistaken account from my credit report as XXXX made the mistake and is at fault. But I 'm glad the issue has been resolved. Thanks ...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a Loan Modification at the end of XXXX 2016 beginning of XXXX 2016. They keep requesting the same documents over and over again. Extra check stubs and the same tax release form. Which I already completed and returned XXXX times. Per their website they still have n't gotten the documents. I know they have. I emailed and faxed and rcvd a confirmation page on the fax all XXXX times. They are stalling for time because the foreclosure hearing is next week. This is very frustrating for me. It should be a simple approval because all the documents and info is almost the same as it was a few years ago, so since we were approved a few years ago, we should be approved again. 
In addition, the tax document they keep saying is incomplete, it is completed just the same as the XXXX from 2 years ago ( I compared them ) and they accepted that one/

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a collections account from XXXX apartments that I have no knowledge of. I had a lease that was satisfied at the end as per the contract. A coupl months went by and then I received a notice I was in collections for XXXX. I have no idea what it 's for, never received an invoice phone call or any communication stating they felt I owed them anything. I spoke to them via texts which I still have, I spoke in person when I turned over the key, I had no knowledge or chance to pay the debt had I felt it a reasonable debt belonging to me. I have suffered financially due to higher interest rates and it being able to obtain credit for things I may have been able to because of the actions of the company. I think they are in violation of fdcpa section XXXX ( b ) failing to validate the debt

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 03/23/2017 about Credit card () with DISCOVER BANK (NY).
Issue: Unsolicited issuance of credit card

Complaint: In XXXX 2012 my son opened a credit card with Discover, it was a student card. The card had a {$1500.00} limit, that summer he went to Florida and proceeded to charge an additional {$700.00} over his limit ( Discover allowed him to do this ). I am not even sure they checked his employment to be sure he could afford to pay off that kind of debt. When it came time to make payments on the card I had to get involved to help assist him with this debt, I had called Discover on his behalf and they needed approval from him for me to speak on his behalf he said that was ok. Meanwhile Discover added me on to the account as an authorized user, the way I found this out was the other day I was checking my XXXX account and they said out of XXXX payment XXXX were on time the XXXX that were late were Discover card payments. I do not have a Discover card in my name, I reached out to XXXX and XXXX, XXXX said they would dispute it for me, I could not get a hold of XXXX XXXX. I am asking for assistance to have Discover remove me off of my son 's account that I never approved them to do and to remover the XXXX late payments off of my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: no responds from company or additional information on how to resolved issue half answer from XXXX XXXX still was notified of any changes or updates

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 04/14/2016 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Theatened us with jail time if we do n't pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: From the months of XX/XX/XXXX through XX/XX/XXXX, I have disputed this unknown medical bill on my credit with Equifax, that it is " Not mine, please delete from file. '' I have even called in and spoke to at least 3 different representatives in the last 6 months about removing this erroneous/fraudulent account from my file. Equifax has ignored ALL attempts to get this resolved and has made it hard for me to apply for credit.

Company response to consumer: Closed with explanation