milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I attempted to make a monthly paymentfor my second note, which was refused. The balanceis now showing {$0.00}, which tells me it may have beensold or transferred to another servicer. I have not received anyof this via email ( preferred ) or regular mail. I now am two monthswithout a payment on the XXXX note because Ido not know who to pay. The servicer has beenOcwen and in trying to call they will not answer myquestions. I left a voice message : no response. 
I left an email message with no response. I attemptedan online email request to their Ombudsman and the responsegiven is the loan does not exist with no match forthe loan number or my soc sec number. 
I finally reached someone on the telephonetonight, and they tried to transfer me to anotherperson. I asked if they were transferring my callto another servicer, and the rep said no. She wastransferring me to another section in XXXXwho could answer my questions. I asked if myloan was transferred to another servicer, and shesaid she could n't answer, which is why she wastransferring me to someone who had the clearance. 
This morning I received a call on my home phone, but was too late to answer. They did not leave a messageand, when I redialed the number, got a fast busy signal. 
I have had people call me at work yet they do not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: TransUnion has refused to issue a copy of my credit report ( free state report and free adverse action report ) after more than 16 requests. They have blocked my access to my report through their website at www.Transunion.com which instructs me to call their phone number. The phone call leads to several transfers and eventually I am dumped to a voicemail. Each time I am transferred I request a copy of my report and am told that my report is handled by either the " special handling department '' or the " priority department '' depending on who I am speaking to. I believe this is in direct retaliation of taking prior legal action against Transunion more than 1 year ago. This seems to be an intentional action that they take upon any person whom has filed any legal actions against the company, which is designed to confuse and frustrate consumers and make it overly burdensome and extremely difficult to obtain copies of consumer reports. Additionally, this action prevents any report from being free as mandated by Georgia State Law and the FCRA when postage, printing and paper costs are forced to become involved in the request. 

I have recordings of several phone calls demonstrating my request for my credit report multiple times before being sent to a voicemail. At this time I am not attaching a copy of those phone recordings due to privacy reasons, as they contain my giving personal identification information to the agents at transunion, but redacted copies may be available soon if needed.

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 03/21/2018 about Vehicle loan or lease (Loan) with BB&T CORPORATION (NY).
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: The vehicle financed by XXXX XXXX was lemon and the dealer sold me a warranty that would not accommodate the issues with vehicle..Car was repo and XXXX XXXX didn't comply to NYS law by sending a certified letter indicating the intention of vehicle but instead reflects the amount I owe .... which they and credit bureaus are violation FCRA 609 ... If not resolved with your assistance ... .I will seeking actions with my attorney XXXX XXXX who specializes in such

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 08-12-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Customer service / Customer relations

Complaint: On XXXX XXXX, 2015 American Express received a refund from XXXX of {$320.00} to my account. My statement dated XXXX XXXX showed a credit of {$290.00} - ( {$320.00} less purchases I made ). I phone AMEX asking for a check on the credit. About 7 days later, I received the check, misplaced it and phoned AMEX. The agent stopped the check and said a new check would be issued. No check came. 
On XXXX XXXX, 2015 I phoned AMEX, explained the situation to a supervisor, XXXX, who said she would expedite the check. No check came. 
XXXX XXXX, 2015 XXXX, the supervisor, called to ask if I had received the check. I had not. 
XXXX XXXX, 2015 the supervisor XXXX called again asking if I received the check. I had not. 
XXXX XXXX I wrote a more detailed letter of complaint to Customer Service, American Express, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX asking for the credit. 
Today, XXXX XXXX I received my monthly statement from AMEX. There is no credit amount on this statement..

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been getting the run around from Equifax regarding inquiries. Equifax has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number XXXX close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Equifax a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 6 inquires : 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, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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 sent over XXXX letters to XXXX and XXXX requesting a proper and Complete Investigation of an account listed as XXXX XXXX, Account number XXXX, and amount reporting of {$540.00}. They have failed on all instances to do so just merely sending back verified and not sending proof. Just stating it was electronically verified. This is not sufficient at all. They do not legally have the right to keep this apart if my file. I have never in my entire life done business with this company that is reporting adversely to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax XXXX, GA XXXX Or XXXX, PA XXXX Or XXXX, TX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX ACC # XXXX XXXX {$180.00} XXXX XXXX charge off {$4800.00} XXXX ACC # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XXXX XXXX, 2015, I requested by phone, my free annual credit reports from all XXXX credit reporting agencies. It was indicated that it would take fifteen ( 15 ) days to receive my reports. As of today, I have only received XXXX ( XXXX ) report, which is from Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I opened an American Express account XX/XX/2017 and it was connected to the XXXX program. I have been using the card and making my payments on time each month. This month I went to make a payment and in bold red letters across the top it stated ACCOUNT IS CLOSED. There was no explanation. I called and was told they discontinued the XXXX card. I spoke with a rep and a manager. They will not transfer my account in good standing to a different type of AE card. They offered for me to just reapply if I want to stay with AE. Their actions are going to negatively affect my credit score act across the board. They told me they decided the XXXX program was not working for them - not enough interest. I asked why there wasn ' t any notice and they told they sent one in XX/XX/XXXX. They mailed it to an address in the XXXX after I called and explained that we were staying somewhere else temporarily and gave them a new address. If an account is in good standing, it should be transferred to a new AE card. Consumers should not be negatively affected by a credit card companies actions.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: According to the provisions of the Fair Credit Reporting Act sec XXXX ( a ) [ XXXX XXXX XXXX ( a ) ], disputed items must be re-investigated or deleted from my credit report within 30 days. During the re-investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

Equifax, XXXX, and XXXX continue to violate this section Fair Credit Reporting Act sec XXXX ( a ) [ XXXX XXXX XXXX ( a ), a violation which in turn is adversely effecting my ability to operate effectively as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid this account in full which also included applicable interest before XXXX XXXX, 2015. I have asked XXXX data regularly about giving thecredit agencies an updated status. They keep saying they are doingit but nothing has been done and it is XXXX now. Please remove thisfrom my credit report. 
XXXX Account # : XXXXThank You. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have spoken to several people at Equifax who have instructed me to send a police Report to have unauthorized Hard Inquires removed from my credit report. I have faxed over the documents multiple times and they still have not removed the unauthorized inquires. They have taken up hours of my time placed me on hold for 1 hour and 60 minutes or longer giving me the run around.. I spoke with XXXX NUMBER XXXX who told me my official Police Report was not acceptable yet it is an Actual approved Police Report. I spoke with XXXX - XXXX At Equifax who stated the same thing. XXXX - XXXX spoke to XXXX who then tells me she ca n't tell me who her supervisor is. At this point it has been 2 hours of me being on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NY).
Issue: Unexpected or other fees

Complaint: On XXXX/XXXX/18, i submitted {$24.00} USD/BTC through coinbase to XXXX for BTC. I was charged over {$18.00} USD in fees and i can not reach the coinbase or whoever charged me the fees. I have done transactions to XXXX before with coinbase and never charged so much. XXXX received only a little over {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I entered a mortgage agreement which was later purchased by Wells Fargo. I lost my job in XXXX and tried to get Wells Fargo to allow me to refinance under prevailing low interest rates and government subsidies beginning in late XXXX. In XXXX I entered a special forbearance agreement with ASC, but after I fully complied with the agreement the mortgage modification was denied because my Unemployment benefits were exhausted. In XXXX I participated in the Independent Foreclosure Review and received a payment of {$2000.00} when the review was abruptly cancelled. Eventually XXXX of the loans was allegedly charged off, but I was compelled to continue negotiations until XXXX when I finally entered a compulsory foreclosure review board and was able to get a mortgage modification. The problem is that the full amount of the modification was more than {$30000.00} greater than the total original XXXX loan, even after the {$35000.00} loan was " charged off ''. Wells Fargo has been nothing but obstructive in all my efforts to repay my debt, and I believe they have received credit from the Federal Government for a loan they allegedly " charged off '', but actually incorporated into late fees, interest, and missed payments while they stalled and stonewalled between XXXX and XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XXXX of 2016 I went to XXXX  and purchased 3 cell phones. The person who helped me said that I would pay XXXX for the phones over time and asked if I wanted insurance on the phones? She said it would not cost me anything for the insurance. I accepted and she opened a credit card in my name and put the insurance cost on the card. I am paying XXXX for the phones but I did not know that she would use a credit card to purchase the insurance until I saw a delinquent account on my credit report.

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 05-07-2015 about Student loan (Non-federal student loan) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was a co-maker on the student loan with my son, XXXX XXXX. In XXXX 2015, I refinanced my home to pay of this loan in the amount of {$97000.00}. 
On XXXX/XXXX/2015, the loan statement sent by ACS gave a loan balance of {$96.00}, XXXX. I made a payment on XXXX/XXXX/2015 in the amount of {$97.00}, XXXX on this loan having refinanced my home. I now have received several calls ( XXXX 2015 and into XXXX XXXX, 2015 ) and bills dated XXXX/XXXX/15 ) stating I owe {$530.00}. In my many conversations with the representatives, I have asked for a detailed explanation of why I still owe this amount. I am very confused because the amount due on XXXX/XXXX/15 was {$96000.00} and payment of the loan through escrow on XXXX/XXXX/15 was {$97000.00}. Please help!!

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX XXXX, Equifax revealed that 143 million individuals had their personal identifying information hacked from mid-May to XXXX. After waiting nearly three months, the hack was revealed to the public. Despite offering a website that allows individuals to determine if their own information was compromised, it now appears that this website does not provide accurate information, instead producing randomly generated answers. For example, entering obvious bogus information such as " Name, XXXX '' gives a prompt that your information may have been compromised. Additionally, Equifax is not-so-subtly guiding users to sign up for free year of credit monitoring ( which requires a phone call to cancel the $ XXXX service after the year is up ) while agreeing to terms and conditions that potentially infringe upon affected consumers ' ability to file lawsuits ( both individually and as a class ). Consumers are being advised to use our free annual reports to verify our current records and dispute any incorrect information ( essentially using up our free report for Equifax 's screw-up ). Will we not be forced to potentially pay for our reports down the road if our identity see if it is indeed stolen? Should Equifax not be compelled to cover these costs and eventualities? Furthermore, most consumers are being advised to add fraud alerts to our credit reports at a minimum. Ideally, consumers should put freezes on all their reports, but that costs money. Again, should n't Equifax be responsible for these costs since this debacle is their making? 

At this point, 143 million consumers have no idea who has their information and how it will be used. Equifax 's process for helping consumers determine if their PII has been compromised is of dubious utility at best. Equifax should be held responsible and correct their massive mistake. We all understand this is all developing very fast, but it seems to me that the priority should be to make these 143 million potential identity-theft victims whole again, however long that may take.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Private student loan debt) with PNC Bank N.A. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I stopped making payments on my private student loans because no one could give me the original contracts for the loans that showed the interest rates being charged. Various debt collectors sent letters over the years seeking varying amounts. One week before the six-year statute of limitations expired in my state,  XXXX  brought a lawsuit in state circuit court. The contract attached to the complaint said that a different state 's law governed the enforcement of the contract. That state has a four-year statute of limitations. The issue of whether  XXXX  filed a lawsuit after the expiration of the statute of limitations is currently pending before my state 's Supreme Court on interlocutory appeal. Another part of the interlocutory appeal is whether the mistakes on the summons result in a lack of personal jurisdiction.    XXXX  did not sue in its legal name, which is " The  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  '' It admitted that it did not own the loans that it sued upon. It also later admitted that it did not have the original contracts that it sued upon, which are necessary under the " best evidence rule '' at trial.  XXXX  claims to be a loan servicer and that    XXXX    other corporations own the loans. My credit report showed that a completely different corporation owned at least   XXXX   of the loans sued upon.  XXXX  did not include all   XXXX   loan account numbers in the complaint and refused to add the true owners of the loans as " necessary parties '' to the case.   In my state, a loan servicer that collects loans it does not own is operating as a " collection agency. '' A collection agency must be licensed in my state, and  XXXX  was not at the time of the lawsuit. In my state, a collection agency is not allowed to bring a lawsuit on behalf of a creditor or any other entity. I have alerted my state attorney general and the department of licensing. I am writing this to help anyone who has been sued by this corporation. State and federal consumer protection laws  may  help you file a counterclaim.

Company response to consumer: Closed with explanation