milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Problems when you are unable to pay

Complaint: I was 3 months late on payments, I have a installment loan with my car title securing the note

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (I do not know) with ConServe (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Conserve is n't license in the state of Florida. They are also charging me 2 did n't amounts and this is impossible. I only register for XXXX college, but I never attended a physical class. Per the school if you do n't show up 3 days in a row your are automatically withdrew from the class with no charge, but for some reason I have 2 bills on my credit from Conserve Collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am in the process of purchasing a home and noticed that Syncb/Qvc marked me late for XX/17 for 30 days and XX/17 for 60 days. I never recieved a statment or anything showing I was past due. To my knowledge the last payment I made paid off the balance I was owing. I have called to Syncb and they are only willing to credit me the late fees and have refused to remove the lates from my credit report. There was only {$44.00} owed which I dont know how it happened because I have not used this card in quite some time and they closed the account due to in activity.

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 12/18/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experianis reporting XXXX item from XXXX XXXX that do not belong to me. I have sent the documented police report to them along with the notarized affidavit of identity theft. as well as sections 605 ( b ), 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which requires them to block these fraudulent items. I have disputed these items many times and sent Experian letters time and time again confirming this. I have even contacted XXXX XXXX to settle this and they told me to contact Experian because they have walked away from this item. Experian have ignored this request and continue to report these fraudulent

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 12/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} AUTO {$8200.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX DELINQ XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX F, XXXX XXXX, XXXX 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 01-07-2016 about Mortgage (Other mortgage) with MUFG UNION BANK, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: The bank is reporting past due and this was paid in full and subsequently XXXX Bank was taken over by Union Bank. This is still on my credit report reflecting past due when in fact it is PAID IN FULL and should be reported as such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (NH).
Issue: Deposits and withdrawals

Complaint: attn : CFPB + FDIC Ombudsman Missing international $ wire transaction date XXXX, 2016 sender __me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Bank HSBC HSBC Bank XXXX XXXX Limited Registered Office : HSBC House , XXXX , XXXX XXXX , XXXX , XXXX XXXX Registered Number XXXX Incorporated in XXXX , XXXX XXXX and regulated by the XXXX Financial Services Commission Regulated in the XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wire transaction XXXX, HSBC XXXX -ABA routing XXXX SWIFT code is XXXX XXXX XXXX XXXX # XXXX revised XXXX XXXX ( details amended ) This wire was never received by the recipient. XXXX XXXX XXXX HSBC XXXX is aware, BUT yet unable or unwilling to trace the missing funds My bank official will confirm XXXX XXXX, XXXX Assistant Vice President - Member Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH, XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX Please call today __XXXX, XXXX, cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Debt collection (Payday loan) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Claim I took out loan Wells Fargo 2011, in California XXXX XXXX. Had my information but I did not live in XXXX nor have account with Wells Fargo 2011. They called me saying I owe {$400.00}, Wells Fargo can not verify or says I owe any debit. The loan amount was {$400.00}, no interest. Rep would not mail me verification letter, said she would escalate it back to collector

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 02-12-2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (AZ).
Issue: Taking out the loan or lease

Complaint: I have a loan with Kia Motors Finance. I purchased a new vehicle and XXXX XXXX XXXX XXXX paid off my Kia balance but there was a {$330.00} over-payment. I contacted Kia and they said that they will not look at refunding the over-payment for a minimum of 20 business days. This is more than double the amount of time allowed by Expedited Funds Availability Act for financial institutions check hold times. My account reflects a XXXX balance despite the fact that Kia Motors Finance refuses to act on the over-payment refund until their unreasonable and unfair waiting period of 20 business days expires, which will take at least 30 days before I receive my funds due to me.

Company response to consumer: Closed
Consumer complaint received 12-12-2016 about Debt collection (Auto) with WELLS FARGO & COMPANY (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Wells Fargo Dealership Services ( whom I owe a debt to on a loan for my truck, and they communicated with my wife at our home # in which she told them I WAS OUT OF WORK and had no job ) ... .called : 1 ) My Home 2 ) My Cell # 3 ) The Dealership where i bought the truck 4 ) My ex-employer 5 ) My wife 's cell phone 6 ) My wife at her place of work 7 ) My wife 's mother who lives in another Town 8 ) My father who lives in another city ... ... ... ... .. 
... .and therefore told each and every entity listed that they were trying to COLLECT A DEBT from ME, and this is HARASSMENT!!! Either something had better be done about these practices, or I 'm going to file a lawsuit for harassment and defamation!!!!!!

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 10-09-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I checked my credit reports with all XXXX major credit bureaus ( XXXX, XXXX and XXXX ). I noticed a collection account with Midland Credit Management XXXX. I sent all XXXX credit bureaus disputes back in XXXX 2015 disputing the validity of this account. Midland Credit Managment responds validating this account and sending a last statement showing a charge off from the original creditor. I disputed this account a 2nd time with Midland Credit Management letting them know that the information that they furnished is not sufficient and that I would need them to validate this account pursuant to the Texas Finance Code 392 or delete the tradeline from all XXXX credit bureaus. I never received a response back and they are still reporting inaccurate information in clear violation. Midland Credit Reporting has recently been investigated by the CFPB for its deceptive collection practices and violations of federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TN).
Issue: Other service issues

Complaint: on XXXX XXXX, 2016 i ordered a projector listed on ebay but payed the seller thru paypal directly cuz he was offering a lower price. item was sent n delivered but i never recieved the package.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am filing this XXXX dispute in referenced to the accounts listed above in my original dispute to Experian. I have disputed these alleged accounts information as inaccurate with Experian, and Experian has come back to me and stated that you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, along with XXXX XXXX XXXX myself and have been unable to get them to verify that these alleged accounts are indeed my debts. 
I enclose copies of my requests for them to " Validate '' my debts, and the receipts showing that I sent these letter certified signature request. These alleged debts are not mine and I was given any evidence of my obligation to pay this debt to the collection company 's listed above in my original dispute letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (OK).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: my student loan is still showing on my credit report as adverse credit even though it has been forgiving due to me being a XXXX XXXX XXXX veteran. Navient and XXXX student loans showing as adverse credit due to late payments which I should never have been billed for in the first place. I am asking that those to companies completely remove there adverse reporting from my credit reports to help improve my credit

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: TransUnion is reporting an account with XXXX which they say has a balance and that is not correct. There is no money owed to that company. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I bought my home in XX/XX/XXXX and the mortgage company was XXXX XXXX. Within days of signing, I received notice that my loan had been sold to U.S. Bank. U.S. Bank informed me of this transfer with new address to send my payments. 
Two months later, U.S.B. sent me notice of my home located in a flood zone. This was contrary to what my previous lender/builder told me. The notice never reached me and I was unaware of this at the time. It was the follow up notice that finally reached me. Here I was informed that since I did not provide flood insurance within the specified time ( never received the XXXX notice ), U.S.B. have gone ahead to provide with flood insurance and that my payments will be going up. I tried to explain to them that I was told from the onset that my home was not in a flood zone. Why was U.S.B. coming after me? This was a hassle I had to deal with costing a few thousand dollars to resolve. After this issue was resolved, my payment went down and I thought okay, all will be fine now. 
XX/XX/XXXX, I received yet another notice informing that my account was analyzed and it appears my escrow account was short {$3000.00}. I called to ask several times why was there a shortage since I have made regular payments/never late. The customer representatives I have spoken with could not give me concrete answers. It appears to me their answers were speculations rather than factual. This analysis has seen my mortgage payment skyrocket from about {$1100.00} - {$1600.00}. This is beyond what I signed up for and I feel the bank is not treating me fairly. I have also noticed some noticed in my payments breakdown, " additional taxes '', " mortgage insurance ''. The former I have no idea what those are and customer service has not helped. The latter, I was told it will drop off after a year, it has been two years and it still appears in my bill. 
I will like CFPB to investigate these issues on my behalf because I feel I am being railroaded my U.S. Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} XXXX XXXX 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 03/13/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We paid our mortgage payment due on XXXX XXXX, 2016 as we always do ON TIME. 
Ditech Financial applied XXXX payments directly to Principal instead of the payment due. 
They have reported us as late to the Credit Bureau for the XXXX bill that was paid on time. We have called three times to get this rectified and they have not fixed the issue and reported us as delinquent on our credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX  account does not belong to me it belongs to my ex husband

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In the    XXXX   XXXX   XXXX    I was erroneously charged {$83.00} for co-insurance by the hospital I work for related to services provided in   XXXX   XXXX   XXXX   XXXX   XXXX  . Hospital policy is not to collect co-insurance from employees and family members covered under the employed individuals benefits plan. I did explain this in writing in a notification sent back to the hospital billing department.   In   XXXX   XXXX  , I received a notice of debt collection from  XXXX   XXXX   XXXX . I sent a written notice on   XXXX   XXXX   XXXX   demanding immediate cessation of attempts to collect this erroneous debt.   On   XXXX   XXXX   XXXX   I received another letter seeking to collect this debt with the addition of accrued interest making the total {$85.00}.   I have sent another notice to the company as of today,   XXXX   XXXX   XXXX   demanding immediate cessation of attempts to collect this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I graduated from XXXX University XXXX XXXX. Like many others, my family was not able to pay for my college education, and we were left with no other choice but to borrow the funds needed to send me to college. My step father, is the hardest working man that I 've ever met. He is a XXXX, and is soon to retire due to physical limitations ( with little to no XXXX due to the recession ) .When my dad and I took out this loan, the original balance in XXXX was {$27000.00}. Approximately in XXXX, when the loan was serviced by XXXX, both of my parents were hit by the down economy ; my mom lost her job and my dad 's hours were cut to part time. This was a devastating time for my mom and dad who were struggling keep the lights on and food on the table, let alone pay a {$400.00} a month student loan bill. Meanwhile, I was just out of college working at a XXXX making {$8.00} an hour. Needless to say, without any other choice, my family defaulted on this loan. It destroyed my dad 's and my credit scores which has taken me over ten years to rebuild. I had a few other student loans that I was able to consolidate with the US. Department of Education ( XXXX ) with a reasonable interest rate and an affordable payment. However, since this loan was a private student loan, it was not able to be consolidated with my other loans so I was left with this 9.5 % interest rate and high balance that is not moving despite our recent excellent pay history. I wanted to begin my adult life and begin to rebuild my credit so we entered into a repay plan to get our loan out of default and back current. We completed the repay plan and got the loan current, which was not an easy task. Here is where we are now feeling the affect. After we completed the repay plan and got the loan brought current, XXXX then capitalized the 2+ years of delinquent interest, fees, late charges, etc. back into the loan amount. The balance after the recapitalization was well over {$40000.00}! We have been current on this loan for the last several years paying {$410.00} a month. I feel that this loan is nothing less than predatory. It is now twelve years after the loan was originally issued and I do not see how I will be able to pay this loan off. Every extra dollar that I have goes towards this loan which takes things away from my daughter and my wife which is not fair, and I do not think that should be the penalty of wanting to obtain higher education. 
My parents are now over XXXX and my mother 's health is deteriorating. She will be forced to retire from work soon ( with no XXXX due to cashing it out during the recession ). My dad can not afford to assist me on this loan, and he as well will not be able to work much longer due to physical restrictions. I will ultimately default without your assistance in restructuring my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from Credit Collection Services. I had previously disputed this account. I have never done business with Credit Collection Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt Credit Collection Services purport I owe. I request that Credit Collection Services Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Credit Collection Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation