milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (NV).
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 have a missed payement with XXXX currently its XXXX they are reporting missed payment that i tried fixing with them and they do n't even disclose information to me at all. not even days supposedly payment was missed. i fount out thru my lender i normally use that it was XXXX of XXXX i never had a missed payment in my life. i remember one of their rep calling me and saying to my account number did n't match and my payment is late, i give them my routing and account number over the phone and told them to CALL ME if payment did n't go thru. they never did. 
I tried solving it with company and emailed them payment confirmation and my bank statements showing i had more then enough money on my account. i have to loans with them one of them is {$2300.00} and another is {$950.00}. the house with lower payment of {$950.00} did n't go thru because they did n't process it correctly and when they calling me i gave them info again and again the did n't process. i open dispute with them that took way over 30 days. had to call them several time and still no luck. i have lixington law firm fighting with them for over a year and still no luck. my credit used to be over XXXX points and it dropped bellow XXXX after that., now i 'm getting a new house XXXX my 4th one ) for {$620.00} and new business building for XXXX XXXX and they give me hard time about the missed payment. please help me resolve it. i even pay additional principal minimum of {$500.00} per account for 5 years. paid off my 1st house in XXXX years. i 'm beyond responsible to miss a payment like that.

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 02/28/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicing company has not released my mortgage with the county and it has been over the allowed time frame under ORC section 5301.36. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.

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 WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: I took out a mortgage loan back in  XXXX  with the promises of low monthly payment and low interest rates. Since the beginning the payments and the interest rates were not as promise. In  XXXX   Wells Fargo started a foreclosure action against me. I tried to do loan   modifications with the bank but have been denied several times. I am in the middle of processing a loan modification and the bank has scheduled a sale date for  XXXX   XXXX  ; the bank should not foreclose on my home if I am in the middle of a loan modification process. I was a victim of the housing bubble crisis.

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 07-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I keep repeatedly reporting incorrect information to Transunion. I get the same results every single time. Transunion is not doing proper investigations. I was denied credit because my credit reports says I have major issues and I have nothing active as of now because of chapter XXXX and It reports I am 119 days late on current energy bill, I see reportings in XXXX saying a payment was received, no payment in XXXX but a payment was made XXXX and XXXX. I ca n't see where 119 days late comes into play. Transunion is reporting accounts from previous chapter XXXX bankruptcy as if were included in current bankruptcy, this account was a old We Energies account and has been discharged, they are reporting it as opened and XXXX missed payments. This account was discharged and closed plus XXXX payments were not missed. I ca n't access my credit report online with them because it states I have a dispute under investigation. I see accounts labeled closed-derogatory on many accounts listed. Transunion owes me XXXX credit reports in 6 months from the lawsuit they incurred and I ca n't seem to get one at all from them. I have been denied credit from insurance and other places because of these remarks yet they make it hard to get anything corrected. I have attached a picture of Transunion stating as of XXXX/XXXX/2016 I have no collection accounts but they have on my credit I am 119 days late for accounts.

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 05-11-2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Settlement process and costs

Complaint: Wells Fargo Mortgage stated I refinanced my home in XXXX. That is not true. I refinanced that home in XXXX for 15 years. I was not eligible to refinanced that home again with a VA loan because it was not my primary resident. My loan was sold to Wells Fargo and they refuse to listen to me. The paperwork that they sent me is not official it has a signature without other information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen misreported our payments over the last 6 months and we have tried to get it resolved. We sold our house in XXXX and the loan was paid off however they are still reporting it late and with a balance. The payment status is wrong. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This complaint is against XXXX Information Services LLC because I do not agree with the investigation made by the company Information Services LLC, the accounts that I am disputing are XXXX and XXXX Credit Card. This accounts were opened without my permission or were authorized ( fraud ). Which the XXXX companies were reported in the last three months. How i have said before I made all the documents and evidence that I have which is the Affidavit, the police report and my ID. XXXX and XXXX made opposite results than Equifax , these results were correct and were made on my favor supporting the true statement that I am victim of fraud, following the federal law, which is FCRA 605B. I find it odd that Equifax gave a different result.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax exposed all of the information needed to commit identity theft to hackers on XX/XX/XXXX and they refuse to protect me until XX/XX/XXXX due to " high call volumes. '' In addition, they will only protect me for ONE YEAR, after which I need to start paying them to protect me. It is outrageous that they are entitled to PROFIT from their inability to protect my non-public personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Platinum Holdings Group, LLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Contacted my place of employment Spoke with my supervisor XXXX who asked them not to call again and called back and spoke with my coworker and discussed by account and how they are pursuing legal action, they have my contact information and still are calling third parties including my job, my grandfather and auntie and discussing my debt with them, When i contacted the company they then told me that he told them i was not paying th edebt when thats not what i said,

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A statement admitting whether AMERICAN EXPRESS is the holder in due course or whether AMERICAN EXPRESS is a servicer. A statement admitting whether AMERICAN EXPRESS sold my note in a pooling or servicing agreement. This is also known as securitization..

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Consumer Loan (Vehicle loan) with MarkOne Holdings, LLC (NC).
Issue: Managing the loan or lease

Complaint: I was being stalked by the finance Mgr., I would not agree to go out, so he made my life a living XXXX! I returned my car because it was a lemon. 
It has been close to 8 years, and mark one is still reporting every month as if i have a recent repo? it was n't a repo, it was a voluntary surrender. 
MARK ONE is a big RIP OFF!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Payment to acct not credited

Complaint: I received a loan from this company with a large interest rate on the loan. I am unable to pay the ballooned interest rate and wrote them a letter stating I wanted to cancel the loan and pay the interest rate. They excepted my payments of {$150.00} ( XXXX ) in which the loan was {$1000.00}. which my account balance should be {$700.00}, they tried to take {$1200.00} from my account. They are being not being reasonable and they continue to call family members harassing them stating I am a dead beat and not paying none of my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Medical debt) with Professional Service Bureau (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On or about XXXX XXXX, XXXX the XXXX XXXX XXXX in XXXX XXXX erroneously submitted a claim # XXXX to my insurance XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alleging that they tested me for Vitamin D deficiency. 

On or about XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reviewed an appeal submitted to them by the XXXX XXXX and upheld the previous denials. And essentially stating that the alleged laboratory procedure was " considered not medically necessary in clinical situations such as with this patient who is XXXX without a documented risk factor for vitamin D deficiency, who is not institutionalized, and who is not at documented risk for developing complications related to vitamin D deficiency. '' A more detail explanation of the denial is set forth in the XXXX XXXX, XXXX sent herewith. 

In a nutshell, the XXXX XXXX is attempting to collect {$320.00} of monies not owed by me. Such alleged laboratory testing procedure was not authorized by me and clearly not medically necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ENHANCED RECOVERY COMPANYXXXX XXXX, FL XXXXTel : ( XXXX ) XXXXFax : ( XXXX ) XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX or any company associate with this account # ENHANCED RECOVERY COMPANY AAC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : XXXX XXXX XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, SOC SEC # XXXX DOB XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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 have attempted multiple times to get an invalid collection removed from   XXXX   and Transunion (   XXXX   conducted their investigation properly and it was removed ). I have also filed complaints on the biller directly. The collection is from  XXXX   XXXX . This company has not been compliant with properly handling the billing dispute. I have filed several complaints, and they refuse to do the right thing. So I disputed the matter directly with the credit bureaus.      XXXX  is attempting to collect a debt for a service that was improperly billed (  XXXX  bills total ). The bill was supposed to also go to my secondary insurance, however, it only went to my primary. I notified the original creditor about the error last  XXXX , instead of them billing both insurances, it was sent to collections ... Transunion removed  XXXX  of the bills, but not the other. Both bills should be removed.   XXXX   has not removed them at all, and keep stating they are valid- which they are not.

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 03-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In 2013, I requested a XXXX Discharge for both federal and private loans with XXXX ( Navient ). I was approved by XXXX, XXXX, XXXX and XXXX to discharge all federal loans. However, XXXX never sent any paper work of any loans that were discharged, reduced or any information regarding any of my private loans. XXXX continued with XXXX remaining loans, XXXX of which have my co-signer on them. I 've tried to request the discharged loan information with no response. I have had respondence to the XXXX via email and phone with no resolution. I have given them fininacial worksheets for both myself and cosigner and they refuse to reduce my payments or work with me because of my XXXX and XXXX income. Currently, XXXX loans are in default because I can not afford to pay for them due to my income amd XXXX status. XXXX loan is manageable and is being paid for currently.

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

Complaint: According to Equifax, I was one of millions of consumers affected by the recent data security breach. My social security number ( in addition to other sensitive information ) was accessed by an unauthorized third party due to the insufficient security measures in place over their electronic systems. I am now at much greater risk for identify theft. I 've placed a fraud alert with the credit bureaus. Equifax has offered free credit protection for a year, but only if I waive rights to participate in any class-action lawsuit. 

Regardless, now that my information has been leaked, I will always be at greater risk for identity theft. I can only take measures to mitigate this already growing risk of identity theft at my own personal cost.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: equifax data breach, I am a potential victim of identity theft.

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

Complaint: Equifax had a data breach for 143 million citizens and the breach includes SS #. They offer a year of credit protection for damage that may last a decade and force me to arbitrate to participate in their credit protection. Furthermore, this breach was known for months before it was disclosed to the public. Allowing potential fraud on my accounts to go unfettered and I have no recourse. Meanwhile, executives sold stock before revealing the known intrusions. Since federal gov't also uses Equifax, privacy violations are also a violation of my constitutional right to privacy.
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Payday loan, title loan, or personal loan (Title loan) with COMMUNITY CHOICE FINANCIAL, INC. (AZ).
Issue: Struggling to pay your loan

Complaint: I had some emergency happen back to back. I 'm a XXXX XXXX and went to 2 different title loan centers. XXXX and XXXX XXXX XXXX. I 'd been a customer for years and never had an issue paying my loans. My bank account was overdrawn by them taking money when I could n't pay. Everything snowballed from there. I called the corporate office of XXXX and asked for assistance in helping me repay the loan. Was told no, I must make the payments or they are going to take my car. I ca n't catch up on the now 3 payments I 'm behind and need help to interview from the taking my only mode of transport to medical appointments in XXXX monthly. 
XXXX XXXX XXXX said the same thing. I 've tried getting a personal loan and applied to many times and my credit took a huge hit. 
Any assistance would be 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 07/14/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TN).
Issue: Unauthorized transactions/trans. issues

Complaint: I attempted a purchase with a merchant for XXXX. The merchant denied my purchase because there were XXXX numbers in the CVV instead of XXXX. The merchant attempted to run the payment XXXX times which put a hold on my account for a total of XXXX. I called the institution ( Amex Serve ) and was told it would be 8 days unless I contacted the merchant and had them get ahold of them to authorize a release. Well I then made a conference call with the merchant and Amex. I was told that because they spoke to the merchant that my funds would be released within 48 hours. Well the 2 days passed, and my money was not released. I called Amex back, and was told that that was not the case. I was told that the tech I had previously talked to lied to me and that no matter what it would be 8 days no matter what. I asked them why I had been told so many different things by so many different techs, and they could n't give me a straightforward answer. Friday will be the XXXX day, and now I fear that my funds still wo n't be released at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Payoff process

Complaint: I had a Capital One Credit Card account that was opened in XXXX and paid and closed in XXXX. Recently Capital One reported my account to the credit agencies as a charged off account. I contacted Capital One and the representative stated that the information was a mistake and the derogatory account with be removed the credit reports. I recently checked my reports again the information is still appearing on my reports. Once again I contacted Capital One and another representative stated I owe {$1800.00} I stated this account was paid in full at the bank. I send Capital One the receipt and about 2 1/2 weeks later they apologize ancestors once again the stated the the information will be removed from the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Other debt) with ERC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Last Reported XXXX XXXX, 2017 Collection Agency ERC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Balance {$2000.00} High Balance {$2000.00} Remarks Placed for collection

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