milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage was sold to Greentree Servicing in the last three years from XXXX. It has been a nightmare from then on. We have struggled with our mortgage because of employment issues with my husband and myself, but have never been more than 30 days late. They have threatened to foreclose many many times, been rude, told us we should just walk away from our house, been absolutely awful. I am not sure how they are able to stay in business as there are hundreds of complaints on line about them. I am considering contacting an attorney as I feel they must be stopped. I ca n't believe they can continue their lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 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: Information belongs to someone else

Complaint: I sent a written request to remove the fraudulent account from XXXX XXXX and XXXX XXXX from my credit report as well as an unauthorized inquiry from XXXX XXXX XXXX XXXX I was told that the results would arrive to my house, however its been months and nothing has arrived. Equifax and XXXX are not removing the items and this is causing me worry because someone has used my personal information for their own benefit. 

Equifax XXXX XXXX XXXX / XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX placed on ( XX/XX/XXXX ) XXXX XXXX XXXX / Acc NumberXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This was many of the credit cards that were opened without my consent. I was a victim of Identity theft and it 's been a huge problem trying to get everything settled. I called many times and even visited branches for Capital One, XXXX, and XXXX XXXX to inform them that whatever was opened was not with my consent. Instead of them helping me out and checking what my options were I was told 'They must of got a hold of the information somehow '' and was asked " Are you sure you did n't give out your information? '' I have never opened up any credit cards to avoid this exact reason. Instead of helping me out, I was basically talked down and to ask around if my family members were the one 's that opened up the accounts. Around that time I just turned XXXX years old, I was in school and had no time to open up any credit cards. I need go get this resolved. This company has 4 accounts open. All of which I have attempted to resolve this issue with the companies without any success. I advised them that this was all Identity Theft. XXXX XXXX : {$990.00} Capital One : {$620.00} XXXX : {$340.00} Capital One : {$220.00} Total : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
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 the information with all three credit bureaus, XXXX, XXXX , & Transunion, who will not remove an invalid hard inquiry. I submitted a letter to them explaining that XXXX XXXX XXXX XXXX out of XXXX, Utah promised me that they would only use a soft inquiry and not a hard inquiry because the credit union changed my account included in chapter XXXX bankruptcy to a current charge off status. The credit bureaus will not budge or work with me. 

Transunion will not remove an invalid inquiry. XXXX XXXX XXXX XXXX XXXX XXXX, 2017 This has to do with annual credit report dot come. Anything pulled by the consumer is a soft inquiry because the consumer, being me, is the one that is requesting their credit report. It is being reported as a hard inquiry.

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 06/23/2015 about Debt collection (I do not know) with Atlantic Credit & Finance, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called harassing me at work when I am not allowed to receive personal calls at work. I've never heard from this Company or received any messages from them on my cell phone, email or mail. Asked XXXX at ext XXXX to remove my work number from her file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: This shady bank,  Wells Fargo , will change your checking account type and thus account requirements for monthly fee avoidance and only notify you at the bottom of your online statement which I never really access. Then they charged a monthly fee by bumping up the requirements for the account whether it is minimum account balance, number of debit card transactions, or whatever else the requirements for waiving the monthly fee. Disclosures should be agreed upon before a switch can be made, or else they should have to close the account if they do n't get a positive agreement for the account changes.

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 06/25/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: the law office of XXXX XXXX XXXX filed motions in court in a small claims case, where another attorney was involved in suing me. XXXX XXXX XXXX has a different bond number that that of the attorney suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (Other mortgage) with Synovus Bank (GA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a construction loan through XXXX ( branch of Synovus ). After asking for a detailed list of steps involved in the process, I was verbally informed one of the steps would be to add my builder to their approved list of builders. My understanding was this was an effort to establish an ongoing list of approved builders in order to expedite the customers search for a builder. After approximately 8 weeks, I was informed they were unable to add my builder to their list due to them reaching the maximum number of builders acceptable by corporate policy. I was not aware this was a potential risk to my construction timeline and they were absolutely unwilling to make an exception. I requested a list of approved builder qualifications, but they insisted this decision had nothing to do with anything else. When I asked for the situation to be escalated, I received poor customer service from several people in mid level and upper management within both XXXX and Synovus. They failed on multiple accounts to provide promised follow up calls and none were knowledgeable about the policy. Due to time constraints for myself and my builder 's schedule, I had no choice, but to pursue a loan with another institution. As a consumer, I feel this was a very poor and costly experience. This has caused much stress on me and my family and it should have been avoided or at least properly disclaimed and explained. This would 've enabled me to make a more informed decision and account for the potential setback.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I contacted Fed Loan Servicing regarding student loans in XXXX. I was inquiring about the student loan forgiveness program. I work for a non-profit, and have since XXXX. I was told that in order to become eligible for the program I would have to bring all my loans over to Fed Loan Servicing. Just recently I found out that information was not correct and my loans qualified for the program since my start date at the non-profit. All my loans were Government loans and did not need to be consolidated to be eligible. I have asked several times over the years and received misinformation on my loans. <P/>All I would like is to have my loan payments back dated to when I started working for a non-profit. I feel as though Fed Loan Servicing wanted my loan consolidated with them for their benefit, not mine. The customer service agents I have spoken with tell me they can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ATG Credit, LLC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I already submitted a complaint against ATG on XXXX XXXX, # XXXX. ATG collection received debt that I owe. I contacted a credit consolidation service ( XXXX XXXX XXXX ) to negotiate with ATG for this debt. They are in the process of doing so. ATG keeps calling my work phone and sending me letters after XXXX XXXX XXXX sent them a cease and desist letter. Again, they called my work phone # on XXXX XXXX, 2015 at XXXX. This harassment has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I Purchased a new XXXX XXXX on XX/XX/2012 from a dealership name XXXX XXXX XXXX in XXXX. The car was financed with Santander Consumer USA. I did not have good credit at that time and my interest rate was around 20 %. The problem is that I have made about 37 months worth of payments which total around XXXX to date. And I only paid down about XXXX in the principal balance. I am taken advantage in a NON simple interest loan. 

Based on a standard amortization schedule. My current balance should be around XXXX-XXXX. I dont know how XXXX worth of payments went towards interest and XXXX went to the balance. 

I was forced to purchase something called GAP insurance sold by the dealer. The dealer stated that it needed to be purchased or the lender wouldnt lend on my loan. 

Please help and investigate! I am sure there are thousands of people taken advantaged of like my situation. Very grateful for the CFPB!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Debt collection (Medical) with Tormey Bewley Corporation (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I was contacted by a collection agency called, Advantage Group, XXXX, in XXXX, New Mexico. The call was in regards to what they said was XXXX outstanding debts. The first debt was from XXXX XXXX ( XXXX, NM ) for {$49.00}, for date of service on XX/XX/XXXX.The second debt was from XXXX XXXX ( XXXX, NM ) for {$45.00}, for date of service XX/XX/XXXX. I was not given any type of claim or reference number for these accounts from this collection agency. After a brief conversation with a woman at this collection agency I called my insurance company, XXXX XXXX, and the XXXX XXXX XXXX Department. After further investigation, XXXX informed me that the bill in question to XXXX XXXX was paid in full on XX/XX/XXXX, Claim # XXXX. XXXX XXXX XXXX stated my account had a zero balance and the debt had been paid on XX/XX/XXXX in the amount of {$45.00} on Acct # XXXX. I am not sure if this Advantage Group is legitimate or not, however, they certainly are living up to their name of taking advantage of unsuspecting people. I live off XXXX and a small government pension. I am appalled that this or any other company of this nature preys upon people. If it has happened to me how many others has it happened to. In spite of my health conditions, I understand how insurance works as I am retired from XXXX after nearly 40 years, of which over XXXX was served as a XXXX at the XXXX, NM XXXX XXXX XXXX. This fraud must be investigated so that others, especially the elderly, will not be taken advantage of by this or any other company of this sort in the future.

Company response to consumer: Closed
Consumer complaint received 09/23/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (WA).
Issue: Problems when you are unable to pay

Complaint: West Lake Financial with rip you off ... I had my loan ( around {$4600.00} ) since XX/XX/XXXX interest at 29.9 %. I was excited because I could n't get a loan anywhere else unless I put more money down. My loan was for 34 month {$200.00} a month and I paid a lot more when I could to pay it off quicker. I made my payments on-time for years until I lost my job XX/XX/XXXX. I was caught up with my payments until the last month which it should 've been paid off. I called them to get an extension for the last payment which they said okay ( but they did n't ). Contract ended in XX/XX/XXXX the next few days later. They actually came and repossessed my truck before I had time to make the last payment. Yes they waited until my contract was up to repo my truck after having it for 3 years of on-time payments. There is no way my contract was up before my loan was paid off. I only had one payment left on the loan. I called them and they said I was making {$2.00} payments a few time on my account so my balance was {$760.00} without they repo. No one would give me answers on why and how this happen when my bank account says different. YES they said I made {$2.00} payments, not to mention it cost {$5.00} to even make a payment online. Why would anyone attempt to make a {$2.00} payment and be charged {$5.00} to do that. If I had the money I would get a lawyer to sue these scammers. They pretty much robbed me. Not only did they do that, but West Lake Financial have not been reporting my on-time payments to the credit bureau or correct balance/credit limit either. WOW right. And to say I owe them seven hundred and something dollars when I know they auctioned it off for over two grand. I am lost for words. Do n't get loans from them please. They butter you up just to eat you ...

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I refinanced my car loan with XXXX. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not XXXX XXXX, not Experian have any information about this loan, which is hurting my credit score. I tried to contact XXXX XXXX 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.

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 05-09-2017 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: Account information incorrect

Complaint: XXXX   XXXX   2017   Consumer Financial Protection Bureau   XXXX   XXXX   XXXX   XXXX   XXXX  IA    XXXX  RE :  Complaint Against   XXXX   XXXX   To Whom It  May Conc ern : I have requested from the creditor   XXXX   XXXX   and the  XXXX  major credit bureaus to update my credit report to reflect the correct beginning balance and that the account was paid in full, on a 90 days same as cash transaction. The response was that the creditor verified that the information was reported accurately.     I purchased a sofa with  ottoman f rom  XXXX   XXXX   XXXX  and entered into a financial transaction with   XXXX   XXXX   with the intentions on paying off the remaining balance, after an initial down payment, within 90 days ( Same As Cash ) Not only did I pay off the balance in full, I paid it off in 60 days instead o f 90. I a lso have a Certificate of Ownership from   XXXX   XXXX   that certifies that I own the sofa and ottoman outright.     From the beginning, it appears that   XXXX   XXXX   assumed that I wouldnt pay off the merchandise within 90 days so, they reported to the credit bureaus that my beginning balance was over {$2100.00} and the current balance is showing as over {$1800.00}  ( Please  see uploaded documentation from my   XXXX   credit report ). The account balance has never been anywhere close to {$2100.00}. I only paid {$710.00} for the sofa & ottoman. I put down over {$200.00} plus taxes and delivery. I paid the initial, monthly rental payment almost 2 months prior to the   XX/XX/XXXX  due date then the remaining balance of a little more than {$400.00} on  XX/XX/XXXX . The deadline to payoff the balance on the 90 days same as cash agreement was  XX/XX/XXXX .      I demand that   XXXX   XXXX   report the correct beginning balance and that the account is paid in full on all  XXXX  of my credit bureaus. Its damaging my credit and  credit score when it appears that I went out and applied for {$2100.00} in credit when in   fact, it was only {$710.00} and 90 days same as cash.     Thank you.

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. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Upon learning about the Equifax security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XX/XX/XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: About 2 Fridays ago I was wrongfully " Denied '' a loan because of some type of negative credit entry on my " Experian '' credit report. I immediately contacted " Experian '' and they promised me to immediately mail me my FREE copy of my " Experian '' credit report. As of this writing ( 2 weeks later ) I still have NOT received my " Experian '' credit report in the U.S. mail as " Experian '' promised me 2 weeks ago!!!

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 11/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: CCI Contract Callers Inc., XXXX, GA XXXX, telephone number ( XXXX ) XXXX, is attempting to collect a debt not owe from client XXXX, account number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: For seven years Bank of America and for two years XXXX XXXX XXXX XXXX has been attempting to do predator refinancing with me. They do this by, refusing to give me twenty year fixed rate VA loan, by trying to charge excessive interest rates on conventional loans, and attempting to getting premium spread interest on 30 year conventional loans. They have also, denied me a remodification of my loan through Harp XXXX times during this period of time. When I try to refinance with another Bank or Mortgage entity. They will not sign the settlement. This is predatory lending, Race and Age Discrimination.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Chase sent us a Schedule of Unauthorized Transactions form listing a transaction from XXXX in XXXX, WA on XXXX XXXX, XXXX for {$1700.00}. 

This transaction is shown on our bill for XXXX XXXX as taking place for the above amount. 

Why was this transaction allowed to go through and be charged despite being on the Unauthorized Transactions letter?

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX calls me almost daily and refuses to tell me why they are calling unless I divulge/confirm personal information. I do n't know who they are so I 'm not doing anything. 

I did I XXXX search and found out they handle debt collection for XXXX. I had a XXXX account months ago which I cancelled - paid in full. I called XXXX and they confirmed they made a mistake. 

I 've since spoken to EOS and told them what happened and that they can confirm the details with XXXX. They still call me daily. 

I told EOS to remove me from their list and any further calls would be considered harassment. They are also calling my family members whom were not even on the XXXX account.

Company response to consumer: Closed with explanation