milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I wanted to get a copy of my FICO credit report as I am about to apply for a mortgage and wanted to know what my FICO score was, as that is the score most often used by mortgage lenders. I happily paid Experian {$43.00} for the credit report, and was automatically enrolled in their credit monitoring service. I knew their credit monitoring service cost money and that you had to cancel it before the 7 day free trial was over. I cancelled it the same day I got my credit report, as I did n't need the credit monitoring service and did n't want to be charged more. I read the fine print, and I followed through on the instructions to the best of my abilities. Two weeks later, I received an email confirming my purchase of a further credit report and informing me that I am still enrolled in credit monitoring services. I have now cancelled twice and am still not sure if it is fully cancelled. One part of the website says you can cancel online by pushing a few buttons and confirming your cancellation. Another part of the website says you can only cancel by calling their number. The confusing and conflicting instructions, predatory withholding of information, and hiding behind small print are appalling from an agency that is one of three credit agencies. In order to get a mortgage - a basic need of many Americans - Experian and the FICO score are necessary. It is shocking that the CFPB has not shut down Experian 's credit monitoring predatory service.

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 08-01-2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt and to my knowledge they have never provided me services nor goods. My rights were violated under section 809 of the FDCPA

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 10/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a mortage in XXXX. The mortgage payemets were affordable the first couple of months of the life of the loan. However, the monthly mortage payments skyrocketed within a the first year of the mortgage loan. The increased on my mortgage payments made it impossible for me to keep making payments on my mortgage loan. Now, I am trying to fix my mortgage loan by doing a a short sale but the bank is not allowing the process to go through.

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 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: XXXX XXXX in XXXX Al reported/submitted/requested/added a Hard Inquiry on my credit report XX/XX/XXXX and XX/XX/XXXX that i did not apply for credit or an update or give permission to XXXX XXXX permission to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I am desperately trying for a loan modification. I submit all of my financial information, along with paperwork to show my home is worth {$140000.00} MAX, I would be lucky if I got that. My mortgage company keeps denying me for a loan modification stating they can not create an affordable payment for me because, according to their ELECTRONIC valuation ( not even a real appraisal ) that they think my house is worth {$230000.00} according to their last denial letter in XXXX, the AVM value was XXXX. I wish! I live in an old home ( built in 1942 ), it is only XXXX sq feet and located in a very rural area ; in AVERAGE/FAIR condition. If I could get that much money on it I would sell it. I tried telling them this information and sending documentation but nobody will listen. My house is worth no more than {$140000.00} and MAYBE {$150000.00} and that is on the higher end. I have attached my written authorization to direct all further correspondence on this matter to XXXX, XXXX and XXXX at XXXX XXXX ; I have also attached records of my house and notice of valuation from our county assessor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX XXXX XXXX MN XXXX XXXX XXXX TX Navy Federal FCU placed 2 inquiries instead of 1 XX/XX/2017 Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Settlement process and costs

Complaint: I want Ocwen a division of XXXX XXXX to pay off the lien on my property with the {$130000.00} I already paid to my duplex. I want IndyMac a division of XXXX XXXX to extinguish {$80000.00} they reported to the IRS and count all of the {$97000.00} paid to the modification. 
I want credit for payments to HOUSE {$720000.00} {$510000.00} = {$200000.00} ESCROW payments {$200000.00} paid to Indymac and {$180000.00} paid to XXXX {$150000.00} paid to fleet {$150000.00} to XXXX XXXX to credit cards ( with {$23000.00} to XXXX of {$38000.00} added to mortgage ) DUPLEX {$350000.00} - {$99000.00} = {$250000.00} escrow payments? 
{$190000.00} paid. XXXX foreclosure ( {$150000.00} to {$33000.00} VA loan XXXX ) -- -- -- -- - ESCROW surplus.? {$39000.00}. 
XXXX - {$88000.00} est 17 years WHERE IS {$120000.00}? 
{$250000.00} - {$17000.00} estimated WHERE IS $ XXXX+XXXX {$370000.00}? 

{$260000.00} + XXXX + {$38000.00} XXXX XXXX fake mortgages? 
{$360000.00} was not paid off. It was ADDED! 
I want to know what is going.on and why these loans were released twice. 
In XX/XX/XXXX and again in XX/XX/XXXX. 

I WANT This FIXED! 
Estimated {$100000.00} disbursed

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This Bureau needs sanctioning and monitoring consistently. We have inquired an inquiries and nothing done this bureau suggested you the consumer to contact the Inquiry Companies When it is the bureau to remove them when you call the companies they all suggest bureau removal when Fraud Alerts are filed. We get No where with Equifax they delay removal and refused to delete even with Court Ordered Removals. We are XXXX and look for your help to correct this report and STOP this bureau from doing nothing more than VIOLATING the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX broke there contact at that point in time never gave me notice of the change It went from {$89.00} each month to $ XXXX each month + they would add channels or remove channel and I never asked for there for I canceled.. I 've had several collection offers from $ XXXX there fore I elect none they ca n't get it right i owe nothing and want it off my credit score thanks 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 explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I sent letters to XXXX, Experian, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.

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 02/16/2018 about Debt collection (I do not know) with Credence Resource Management, LLC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: " Credence Resource Management '' has called my cell phone 47 TIMES since XX/XX/XXXX. It is always an XXXX person trying to collect a debt from me. I have never heard of these people and I am extremely irate. They called me this morning at XXXX XXXX   while I was getting ready for work, and I told the man, " You need to stop calling this phone number. I will report you to the federal government if you do not stop calling me. '' I hung up before he could respond. They called again on the same day at XXXX XXXX.

XX/XX/XXXX at XXXX XXXX, XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX   and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX   XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX   XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX Do you see how annoying this is?

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Debt collection (Medical) with Computer Credit, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has been paid in full back on XX/XX/2016. It was paid online my reference number is 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 11/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? 
It was n't there in XX/XX/XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Previously deleted inquiries were added back without notifying me in writing, that is against the law per FCRA SECTION 611. Please remove all inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have just noticed that my credit fell from  XXXX  down to  XXXX  because  XXXX   XXXX   XXXX  made a hard inquiry or the inquiry was removed.  Either  action was done without my consent, and I am being penalized my Equifax  Credit Reporting Agency for this action. The action was done   XXXX   XXXX ,  2017. Credit Reporting Agency  has continue to penalize my Credit score frequently for actions that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing is continuing to report a mortgage that was paid off in XXXX 2014 as being active. It has paid off for XXXX months. I attempted to call them, could n't really understand what the call center employee was saying and then asked to speak to a supervisor. I was put on hold for a while and I finally hung up. This company has been a nightmare to deal with from the day they acquired our loan for servicing and they 're online and phone systems are difficult to navigate in the event issues need to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Payday loan, title loan, or personal loan (Pawn loan) with CASH AMERICA INTERNATIONAL, INC. (NV).
Issue: Charged fees or interest you didn't expect

Complaint: 1 ) I extended/ renewed my pawn agreement with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was made to pay US {$220.00} when my annual percentage rate ( APR ) is only {$160.00}. I do n't know that there are hidden charges of {$62.00}. I was issued a new pawn agreement extending the due date to XX/XX/XXXX but no receipt was given to indicate my payment of {$220.00}. I was overcharged by almost the same amount in my 3 previous extensions. 

2 ) In the new pawn agreement issued, the description of the pledged goods ( 3 pc wedding ring set ) was changed ; it was way different from the description in the earlier pawn agreements. This may result in the release of another item the moment I redeem the property and pay my obligation in full.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is reporting an account on my credit report. I have no signed contract or any contract with this company. I have never done business with this company. I am not liable for the debt they say I owe. I would like for this company to delete their tradeline from my credit report. I am not responsible for this debt they claim that I owe. I asked this company for validation that I owe the debt. They responded with a bill that has an address that has never been an address of mine. Im not the responsible party. Furthermore, this debt was placed on my credit report without my knowledge.

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 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Experian serveral times to get my name correct on my report and they refuse to change it. 

XXXX Name ID Number XXXX Report Number They also have address I have never lived at : XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number

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 04-06-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I went to citibank branch to open new fixed deposit account. 
Citibank officer asked me how much I need to deposit and I said {$5000.00}. 
Citibank office asked me to submit the paper application along with the required documentation such as address proof, Photo ID along with the check of {$5000.00} in my name. 
I gave all the papers and the check ( payee to myself ) for {$5000.00}. 

Citibank officer told that the process is to first open the account and then will deposit the check in the new opened account. 
It is now more than 2 months and account has not been opened and citibank customer rep didnt know where the money went. They cashed the check within 2 days after submitting to the bank and now refusing to give the money back as they have no idea where the check went. 
After repeatedly contacting them several times, I think it is possible that they do n't want to open the account and also do n't want to refund the money. 
Hence, I have no other option other than filling the complaint. 

The check and the papers were given to citibank officer and she also is no longer the company that surprises me. 
Date of visit to citibank branch : XXXX XXXX 2016. 
Check cashed on XXXX XXXX 2016. 
Check was given in the name of XXXX XXXX Name of the bank issuing the check : XXXX XXXX XXXX. 
Account to opened in name of : XXXX 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 explanation
Consumer complaint received 12-11-2015 about Bank account or service ((CD) Certificate of deposit) with SUNTRUST BANKS, INC. (VA).
Issue: Account opening, closing, or management

Complaint: I opened a CD on XXXX/XXXX/XXXX, with SUNTRUST BANK, the account n number was XXXX. I renewed this CD year after year, the last time I received the XXXX and annual statement was on XXXX/XXXX/XXXX, the balance at that time was {$35000.00}. Since that date year after year I have been trying to get my money back. The answer from Suntrust Bank is " no you never had this CD there is nothing here. Can you please help me find my CD? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was recently informed of a collections account, with this company listed as the owner of the debt. I phoned them to get clarification on the account. This was after submitting a dispute with XXXX as well as directly on their ( I.C. Systems ) website. I was finally connected with a representative and after what seemed like amiable conversation, where I was told that I owe an amount well over the dollar amount that I remember being delinquent and once I began attempting to collect information on how to resolve the debt, I was hung up on. I phoned the company again ( time # 2 ), only to have a different representative this time ; one who acted as though she was unable to reference any proof of the prior conversation. Upon repeating all of my personal information ( very uncomfortable ), I was told by this representative that the company in which I originally had the account ( the one that is now in " collections '' ) would be REobtaining said account, because the debt collections agency would have had it for more than one year. She ( this second rep ) suggested that I phone the original company ( XXXX XXXX ). Of course I phoned XXXX and they referred me back to the collections agency. I then phoned the agency for a THIRD time, just to be transferred to twice and then hung up on AGAIN. It 's quite clear that this company has no intentions of working with me to educate myself on the validity of this account, Or to resolve this account or collect payment. Obviously this only makes me question the validity of this collection.

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 04/25/2017 about Vehicle loan or lease (Loan) with FORD MOTOR CREDIT CO. (DE).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: We had purchased a vehicle with financing through  Ford Motor Credit  for our son in   XXXX  . Since then, our son turned  XXXX  and enlisted with the  XXXX   XXXX , and was stationed in  XXXX . In order for him to get his car shipped to  XXXX  we had to apply for a transfer of equity in order to remove my husband from the loan and add my son so that he would be on the title and registration. That process, though cumbersome, worked. We were told that once the transfer was complete, we just needed to get a letter to permit shipping the vehicle outside of the continental United States. After talking to several representatives at  Ford Motor Credit  we were given conflicting information about the requirements for this permission letter. Initially, they said we would just have to ask for it once the title was transferred. Then we were told we had to obtain special "  XXXX  '' insurance ( which our insurance company,  XXXX , had never heard of ) and provide proof of this insurance, and that we needed to have the specific dates for the car leaving the  US  and an arrival date, which the logistics company was only able to estimate. During our next attempt of getting this permissions letter from  Ford Motor  credit, we were suddenly told that we have to also provide a copy of my son 's military orders. It feels like we are running in circles, chasing your own tail, in order to help our son who is serving this country.

Company response to consumer: Closed with monetary relief