milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a QWR to Nationstar. 
The response that I received was not complete, nor was it timely, and does not comply with the required rules and regulations regarding information request. 
They are vague, condescending and untruthful in their response. 
They chose not to provide proof that they are the authorized tender to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with P.S.C., Inc (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Puget sound Collections I personally wrote to them a letter of disagreement of all the bills from  2015  and anything prior to that I do have all the copies and when they were sent to the agency this was with an attorney involved there was not a single letter back from them and they did not write anything stating I owed these bills or anything, these bills should have been wiped from any credit report. there were over  XXXX  report number listed and I do have proof that they received them. They like I have 30 days to respond to me. They did not, I call them they do not respond, they are very rude. These are all medical and most of the medical work with my insurance company and make agreements to take certain dollars for the procedures. ANY AND ALL PUGET SOUND COLLECTIONS SHOULD BE REMOVED. If they want copies of the letters in which it does show the numbers listed in their files I will be happy to resend these to them.

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 04/21/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Had a XXXX XXXX card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from Portfolio debt collectors, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX, XXXX and XXXX, XXXX have been misreporting to credit bureaus causing me a lot of credit damage - no housing loans, no credit increases, no new credit cards etc. Wrote to all parties concerned but no results as of writing this complaint. I have been writing to concerned parties for nearly a year but the credit providers would not give me documentation in support of alleged debt. Sent legal letters a couple of months ago and no response forthcoming.

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 12/15/2017 about Vehicle loan or lease (Loan) with U.S. BANCORP (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have a recent XXXX loan ( XXXX/XXXX/XXXX ) agreement with US Bank on my vehicle. Before the first payment was due I paid $ XXXX of the $ XXXX principal then followed up with the first agreed payment $ XXXX by the due date in XXXX. 

When I logged in XXXX to make another payment, the online system showed I owed {$0.00} minimum payment, which makes sense due to my recent payment activities. I logged back in today and shows now I owe 2 months payment and they hit me with a late fee. Plus they updated the digital pdf statements showing I owed minimum payments. 

I have contacted them and am waiting to hear their response to the above. I am not happy with the business practice revealed by US Bank. I also reminded them that we still have a 72 month agreement in place to pay off this loan and so expecting after paying $ XXXX down to continue making the same monthly payments, would pay the loan off well under 72 month agreement. 

Respectfully, 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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as SSN and DOB in order for it to appear in your personal credit file. The Credit Bureau has not updated the information and per the new law, true Bankruptcy listed does NOT include this information and should be deleted from 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 explanation
Consumer complaint received 10/24/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Other transaction issues

Complaint: PayPal is currently attempting to charge me {$1300.00} due to a credit card 'chargeback ' which someone filed with them claiming they did not get an item which I sent to them. I have proof the individual received the item and now they have the money for it as well. I have told PayPal to dispute this chargeback. PayPal has been provided with the evidence from a UPS investigation in which the individual admitted they received the item. The individual now has both the item and my money, and PayPal expects me to pay {$1300.00} into my PayPal account, claiming they will return the money " if '' the credit card company decides in my favor regarding the chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: The only thing I understand from Financial Freedom 's response is that the monthly statements beginning in XXXX 2016 will reflect the " the estate of XXXX XXXX '' In Their statement they have said that they are waiting for " approval from the court to complete the rescission of the sheriffs sale ''. This leads me to believe that a case has been filed with the court. I therefore request that copies of the documents filed with the court to include name/jurisdiction of the court where filed, date of filing as well as case and docket number. For the record I have never mentioned that funds were advanced to XXXX XXXX. I simply stated that based upon the statements it would appear as such. I have also not received any documents that XXXX or FHA have direct knowledge of this issue or the estate. I would again request that documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (FHA mortgage) with EMBRACE HOME LOANS (FL).
Issue: Settlement process and costs

Complaint: I am having the same problems with XXXX as I experienced with XXXX XXXX XXXX and Embrace Home Loans trying to get paperwork for my loan that was lost in the flood. Just got off the phone with XXXX XXXX with XXXX who has stated that if I give them access to my home they will bring a contractor in and repair my home with the money they are holing I asked to have that in writing and was told no

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Credit bureau still reporting an unverified collection account on my consumer 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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax has two address on credit report of cities I have never lived. The address in question are XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Credit card () with CITIBANK, N.A. (AK).
Issue: Unsolicited issuance of credit card

Complaint: XXXX used to have an arrangement with XXXX that allowed customers to use an XXXX card to charge purchases and act as their membership card. In 2016, they changed that relationship to Citi and now use their XXXX card. 
However, in doing so, they somehow instructed Citi to issue me a credit card in my name. I neither asked for nor applied for a XXXX card with Citi, but XXXX showed up in my mailbox. Since I already have a XXXX, I destroyed the new card. About 6 weeks later, I got a call from Citi demanding that I pay my past-due bill. Having never used their card, nor having received any statements from Citi, I asked how I could owe them money. They explained that Costco had transferred my XXXX balance to Citi, and that was the past due amount that they were calling about. They emailed me a copy of the bill and I paid it immediately, and instructed them to cancel the card that had already been destroyed. 
On XXXX/XXXX/16 I received another bill from Citi with a {$110.00} balance. That balance was a result of Costco charging " my '' XXXX for their membership fee. I was surprised that Costco could create a credit card for me, transfer other balances to that card, and then add their own charge to it without so much as a nod from me, the person whose credit is affected by these actions. 
I am not an expert on consumer protection, but this seems like such an overreach that there should be a law against it. If there is not, I assure you that I will speak with my XXXX members about passing 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 03/20/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My home flooded I paid for the repairs Insurance company put mortgage co on checks They refuse to release money so I ca n't pay my bills Mortgage They need to refund all late payment s and release my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Consumer Loan (Installment loan) with Western-Shamrock Corporation (TX).
Issue: Problems when you are unable to pay

Complaint: I had a decrease in my hours at my job, and this the reason why I have fallen behind on my loans. I discuss it with the loan companies stating that I would not be able to make the original payment, could they accept half a payment and they told me no, and I told them that was all I could do at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information ( potentially any of all of the following : social security number, date of birth, address, phone number, and driver 's license number ) were breached from the Equifax credit bureau 's databases and were divulged to unknown parties without my consent. Checking the potential impact on my personal information through Equifax 's online website yields a generic message that is not very descriptive.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Billing disputes

Complaint: We received a settlement offer letter. We accepted the settlement and paid the amount in full in a single transaction. Collection agency for Citibank - Sears Card was XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MO XXXX. We continued to receive balance billing with interest from Sears. Contacted Sears who referred me back to XXXX. Several transfers and long hold times. XXXX was helpful in offering to provide a " paid in full '' notice, but Citibank refuses to review or provide any assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Medical) with SQUARETWO FINANCIAL CORPORATION ().
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I DO NOT KNOW?, I live in XXXX, and after signing up on karma, XXXX to 8 months later these XXXX ( XXXX ) remarks shows up on my credit history. 
I written to both companies over two ( 2 ) weeks ago and no response, using your cfpb letters. 
I want these wrongful remarks off my credit history.

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 monetary relief
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  University is a scam. I did not know this when I was trying to better myself and agreed to enroll when stalked by these predators.   I understand now the scheming ways of this " organization ''. I only attended for a few months online when I realized it was a farce and I would get nowhere with an accreditation from them. Not a real school.   The loans were already underway when I withdrew and now  XXXX  has destroyed my credit. It has been years and years. I have tried reasoning and working with them to no avail.   Even though I am now receiving benefits from Social Security and can hardly get by they will not accept my proof of benefits or work with me. They want everything I have, continue accruing interest and over  XXXX  dollars is the balance. I will continue to fight them. Please beware of these predatory schools they give you nothing and will try to take everything.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing/Cancelling account

Complaint: This account was closed on XXXX/XXXX/13 want to be removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Transunion forced enrollment in a monthly subscription program, in order for me to receive my credit report.

On the home website, there are two buttons to see what's advertised as a " free credit report '' but in actuality, is a $ XXXX/month subscription. One button says : " My Credit Score & Report '', the other says " Yes, Show Me My Score ''. Both of these force you to enroll in a program that costs $ XXXX/month, and is not clearly advertised.

The free credit report allowed for all customers under the Fair and Accurate Credit Reporting Act is NOT provided easily for users to be seen on their home page.

To all other users getting a credit report, DO NOT ORDER FROM TRANSUNION DIRECTLY. Instead, go to XXXX XXXX XXXX. Per the FTC, this is the ONLY way to get free credit reports : https : //www.consumer.ftc.gov/articles/0155-free-credit-reports

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 monetary relief
Consumer complaint received 07/28/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt not mine. It is showing up Transworld Systems INC from a hospital called XXXX XXXX. Please have Transworld Systems INC remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$33.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit Bureaus fails to tell me how they verified inaccuate info

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was transferred by XXXX XXXX XXXX to Carrington Mortgage in XXXX of 2015. It has been a nightmare ever since. First of all, our payments went up {$100.00} because of an " escrow cushion '' they charge. I have never heard of such a thing before. Second and most important, they were calling us nonstop to sell us on an FHA Streamline program. After much persistence we agreed. We agreed under the terms that our loan would be closed in a few weeks. We were also told that we would get a month off from paying. Well it has been almost two months later, and nothing except a headache. We had to make our payment in XX/XX/XXXX, which we were told we would n't have to do. We had to make the payment to avoid any late fees. They kept sending us loan disclosure after loan disclosure to sign. We did this all under the notion that it would be saving us money. Now, the rates have gone up while we could have used another bank to refinance. This has actually cost us money! The loan closing officer kept telling us different stories as to why this process was taking so long. He even told us that the county was lying to us! I have never felt so taken advantage of in my life. Now, we are n't using them and we still have this high payments particularly due to this " escrow cushion ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX, CA. continues to report an auto loan that is in delinquent status which I do not consider to be valid. The account has been paid approximately 3 years ago, and I still see no progress in the correction of this error. This is negatively effecting my credit score, which I need to increase within the month. I am a XXXX in the city of XXXX XXXX, CA. by means of opening my XXXX, a XXXX which will positively impact the labor workforce, and for this reason I am pursuing a loan with the City of XXXX XXXX, CA. Without the credit score increase I may not qualify for the program. Please do look into this and contact XXXX. I need an update of my credit report by XX/XX/XXXX, for I plan on closing on the loan prior to XXXX XXXX, projected grand opening date. 
*Additionally, XXXX XXXX XXXX is reporting a personal loan of {$3000.00} which needs to be researched for I have yet to see any valid documents stating that I owe this amount

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Bank account or service (Savings account) with HSBC NORTH AMERICA HOLDINGS INC. (MO).
Issue: Account opening, closing, or management

Complaint: I received a letter from HSBC indicating that a recent review was conducted of my online savings accounts and that due to this review HSBC was closing my accounts. In the letter it states I can access my online account to transfer money using a wire transfer. I tried to access my online account through multiple avenues ( smartphone, PC ) but could not access my account due to a " technical error ''. I then call HSBC customer service where they could not give me any information about why they were closing my account or any of my regular account information. The HSBC customer service rep told me that once I got the letter she could not give me any information about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan was sold to a company called ditech. In our initial letter about the transfer it says expressly that because we were enrolled in autopay with the previous bank that would roll over and continue happening automatically. Needless to say, a month went by and we became concerned because that did not come to fruition. It also says under Federal law during the 60 day period of the loan transfer, payments may not be considered as late. Well, we have sent them a payment which I see debited from my checking account and I see in my ditech online account, and yet they are sending me letters threatening me already with foreclosure, claiming we have made no payment. I 'm not exaggerating, I 'm keeping records of everything. Also, they are maintaining we owe another payment for the month even though the payment we made is clearly in the account. I 've read XXXX horror stories about this company. How is the government not protecting the consumers here, and allowing this bank to continue its shady practices? This is a horrible feeling having no choice in the matter and being stuck with a bank this bad.

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