milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Requested verification of account to review within 30 days it was placed on my credit and received no response nor has it been resolved by bureau. Request was sent via certified mail in XXXX 2015 and still to date no response.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 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: XXXX/XXXX/XXXX : Found out that my personal information may have been impacted by the Equifax breach. 
XXXX/XXXX/XXXX : Have tried freezing my credit online multiple times with XXXX and Equifax, but the site keeps failing me. I then called each of them at least 5 times but the automated system keeps failing me as well. 
XXXX/XXXX/XXXX : Tried calling another 4 times again with both XXXX and Equifax and each time, the call would fail at the verification level. I can not get past the bot to talk to a human representative ( even with me calling multiple departments ( ex. fraud, freeze, etc ). I even tried getting a credit report for them, only for them to say that they can not provide me with this service at this time. 

I will be attempting to contact them again and worst case scenario, mail my documents over. All of this time and effort is going to only one objective : to freeze my credit due to their failure to secure my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Chase does not offer any form of two-step verification for its regular checking and savings accounts. This leaves my money exposed to identity theft and fraud. A simple texted code to my phone is what my other banks and accounts are doing. One gave me an actual " token '' for my key ring with a code that changes every 60 seconds. I will be leaving Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (I do not know) with First Data Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted by TRS RECOVERY SERVICES in XXXX XXXX, Texas with a " notice of unpaid electronic transfer '' relating to check XXXX. I wrote check XXXX on XXXX2011 to XXXX XXXX, the tax collector, for titling a car I had just bought at that time. I still have the check registry. The amount trs is claiming is {$1200.00}. the actual check was for {$180.00} ... Again, to XXXX XXXX  TRS says they, or their parent company telecheck, bought the debt from tractor supply company who I had never heard from and never heard of. TRS sent me their letter on XXXX and threatened to send my debt to a professional debt collection company, which it appears they are anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit card () with Synovus Bank (MA).
Issue: Billing disputes

Complaint: This company closed my account in XXXX 2015. They refunded me my entire security deposit and a statement with a XXXX balance was included as it should have been. 2 months later I get a statement from this company with a {$110.00} balance. I wrote and complained and was never given a reply. They have since sold the account to XXXX XXXX collection company. If your trying to rebuild your credit I 'd pass on this company as they have poor customer service and seem to be in some type of cooperation with XXXX XXXX for profit

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2016 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: THIS PRESSLER AND PRESSLER LOCATED XXXX XXXX XXXX XXXX, NJ XXXX, THIS COMPANY IS CONSTANT TREATING ME, THIS IS UNCONSITUTIONAL FOR THIS COMPANY TO BE THREATING TO TAKE MY FUNDS, THIS IS NOT THEIR BUSINESS, THEY NEED TO MINE THEIR BUSINESS THEY ARE A RIPP -OFF BECAUSE THEY GET A PERCENTAGE OF WHAT THEY GET.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (I do not know) with RMS-Recovery Management Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted via telephone XXXX of Recovery Management Services that I was in debt {$4900.00}. I disputed the amount and wrote a letter to the company asking for verification and sent it Certified Return Reciept Requested on XXXX XXXX, 2015. I wrote another letter asking them to cease and desist further attempts to contact me which was sent same method on same day. I got my return reciept back with signature XXXX as recipient on XXXX XXXX, 2015. I am still receiving calls which I let ring and I got a notice in the mail that they are now willing to negotaite to settle but still have not proved I owe the amount they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There was a late payment made on the account, which was not negated, however, I sent a letter to the company after I corrected the payment default and asked for a goodwill adjustment. The late payment was totally my husband and my fault, as we thought the other had made the payment. I explained the circumstances to the company and never received a response.
Since then, we have refinanced the car with another company and the account with XXXX XXXX has been closed and paid. XXXX XXXX continues to make monthly adjustments to the account. The late payment happened in XX/XX/XXXX. On my husband 's credit reports, he 's seeing different months of default. XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX. XXXX  is reporting XX/XX/XXXX. On my report, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX.
The negative payment is already reporting negatively, but to see an update to the date getting changed every month is hurting even worse.
Throughout the entire course of the loan, we have only ever been late 1 time and fixed it as soon as we saw that we were late. We can understand not being forgiven for the 1 late payment, but to continuously update our credit reports with incorrect information is inexcusable. I would hate to have to file a complaint with the Better Business Bureau over the information. We are in the process of purchasing a home and this information is reflecting poorly on our loan process.

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 07/25/2017 about Checking or savings account (CD (Certificate of Deposit)) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint: I am the durable power of attorney for my elderly mother. Legal doc has been on file with Wells Fargo for nearly a year and has been approved by their legal department. My mother had a large 6 month CD in an IRA paying very low interest. I emailed the contact person at my local branch to find current rates and alternatives. This individual has helped me straighten out a previous mess caused by Wells Fargo. I received an out of office reply with a referral to t he manager ( name and phone number were provided in the email ) for handling issues during contact person A 's absence. I have left three voice mails with this manager over a period of two w eeks and have had no response. The third voice mail was after calling the branch directly and stating lack of response. Still no reply from anyone at Wells Fargo after a total o f 4 messages regarding this matter. Now the CD has automatically renewed for another 6 months by default and I still have not been contacted. Extremely poor customer service and this for a Crown Banking Premier Account with " personal bank er ''. In addition, after finally going in person to another branch I was told they could not help because they did not have the  POA on file when it is clearly stated in the titles for all  XXXX  accounts. And that an original of the POA would have to be provided. Only later to be told " oops '' we found it. Just total incompetence by Wells Far go. I am currently dealing with  three other financ ial institutions and have had no problems with any of them. Only Wells Fargo ... ridiculous.

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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: XXXX  Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Mortgage (Reverse mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Trouble during payment process

Complaint: I took out a reverse mortgage in XX/XX/XXXX. It was initially serviced by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, MI XXXX. The servicing was later transferred to OCWEN, XXXX XXXX XXXX, XXXX, MI XXXX. ( The identical address leads me to suspect it is the same company with a different name. ) I believe this company is overcharging for the Mortgage Insurance Premium ( MIP ) required for reverse mortgages by nearly 300 % when one takes into account their interest rate and their methodology for calculating payments. 
In reviewing my annual statement, OCWEN is charging the Mortgage Insurance Premium ( MIP ) at 1.25000 % annual rate or 0.00342 % daily periodic rate, or 0.10417 % monthly periodic rate. Looking back at previous annual statements, ( see attached ) Liberty/OCWEN charged this rate every year on a monthly or daily basis instead of an annual basis thus further compounding the interest owed. According to Hud.Gov website regarding Reverse Mortgages ( HECMs ), under their heading HECM Costs, it states, " You will be charged an initial Mortgage Insurance Premium ( MIP ) at closing. The initial MIP will be 2 %. Over the life of the loan, you will be charged an annual MIP that equals 0.5 % of the outstanding mortgage Balance. '' Therefore, since XX/XX/XXXX, I have been overcharged at the rate of 1.25 % for MIP instead of HUD 's maximum rate of .5 %, and by assessing this charge monthly or daily, instead of annually as per HUD rules, it has grown exponentially larger than it should have. Speaking directly to the company has not been helpful.

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 10/27/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Trouble during payment process

Complaint: This is a continuation of a prior complaint, which was not completely resolved, but was closed by CFPB anyway. There are some outstanding issues, and again, Freedom Mortgage is not responding to calls to their Customer Service Dept ... 

XXXX/XXXX/XXXX : Recd an Escrow Disclosure Statement from Freedom. Most of the info is now correct, but there is one amount that appears to be incorrect : On XXXX/XXXX/XXXX, Freedom incorrectly paid {$4800.00} from the escrow account for our home, to pay property taxes on a home with a similar address. They then issued a credit on XXXX/XXXX/XXXX, but for the amount of {$4600.00}. Why did they refund {$200.00} less than they paid out? 

XXXX/XXXX/XXXX : Called and spoke with XXXX, who connected me with Supervisor XXXX ( # XXXX XXXX. Both were more friendly and helpful than anyone Ive dealt with to this point, and I gave them an overview of the history. I told them that we are 95 % there, but just need this discrepancy explained. XXXX said that she would get back to me between XXXX and XXXX tomorrow ( XXXX ). 

XXXX/XXXX/XXXX : Havent heard anything from Freedom Mortgage. Called them at XXXX, 17 minute call. The guy read me some ancient history about our property taxes being paid for the wrong parcel, and no refunds from XXXX County. I explain that that is not my problem ; my only concern is the {$200.00} discrepancy between what was incorrectly paid OUT of our escrow account in XXXX, and the credit received in XXXX. He doesnt know. I ask to speak with XXXX. He comes back and tells me that she is not at her desk, but he can have her call me. I explain that NO ONE at Freedom has EVER followed through on a promise to call me back. He cant do anything other than leave her a message. I advise him that Ill give her until Friday to call me back, and then XXXX file  another complaint with the CFPB. 

It is now XXXX/XXXX/XXXX, a full month since we spoke with customer service, and we 've heard nothing from Freedom on this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax divulged my personal information through the data breach to undetermined third parties without my authorization which potentially included my name, Social Security number, birth date, addresses, and driver 's license number. I confirmed this today through equifax 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Transaction issue

Complaint: On XXXX XXXX, 2015 I sent via snail mail the Capital One Transaction Support Center the following signed letter : " Dear Capital One, Thank you for your update notice dated XXXX XXXX, 2015 regarding my dispute with XXXX XXXX billed on XXXX/XXXX/2015 for {$71.00}. Per your letter, I write to provide you with documentation ( email sent by the merchant XXXX XXXX, 2015 ) that substantiates that my subscription ( ID : XXXX ) was canceled, the request was processed, and no further charges should have been posted by the merchant. 
This enclosed email from the merchant is the only documentation I received from the merchant ; therefore, I thought everything was resolved. Clearly, the merchant from the beginning should not have applied a charge to my account. I 'm grateful that you credited my account when I initially contacted you, and once again respectfully request that you re-credit my account for {$71.00} because I have provided per your request substantial documentation to the contrary. '' On XXXX XXXX, 2015 I received a response notice from Capital One Transaction Support Center re : case number XXXX stating " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim because we can only request a credit from a merchant if we can document how the merchant violated an operating guideline. Unfortunately, based on the information we have, we 're unable to request a credit from the merchant. If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2017 about Checking or savings account (Checking account) with U.S. BANCORP (NM).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I did go into XXXX XXXX Bank to report my atm card lost or stolen. I did file the bank person. So do i owe for it? I also know who stole my atm card from US Bank. His name is XXXX XXXX. He had taken my purse. I was unable to make a police 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 11/30/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (VA).
Issue: Struggling to pay mortgage

Complaint: We asked Fay servicing for a modification to our mortgage on XX/XX/XXXX and confirmed receipt of all documents. We received an email from XXXX XXXX on the XX/XX/XXXX asking for additional documents, which I provided the same day and receipt was confirmed. I was told we would have a determination in 30 days. I have asked repeatedly, and have not received a response. I am an employee of the US Government ( Department of State ) and have been stationed overseas until very recently, thus, my home has been rented. Our tenants broke the lease, therefore we do not currently have the income to pay the mortgage at the current payment, we have been behind on payments since XX/XX/XXXX. We have had difficulty finding new tenants, and have just had a new lease signed beginning XX/XX/XXXX so we do not need a long term solution. In order to keep my security clearance ( which is necessary for my job ) I have to keep my payments current and have asked Fay Servicing to assist me with my extenuating circumstances. They have been non responsive and unhelpful, and I am hoping you can help mediate the situation and hopefully expedite a solution that we can be satisfied with. 

I can forward you the documentation I provided, but it will not allow me to put it in the field below due to the file size. If someone can provide me with an email address, I will forward it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Making/receiving payments, sending money

Complaint: I had my transfer account to my sons account blocked and cant unblock it. After 7 months the Capital one Bank blocked me from moving money from my account to my sons ( unknown to me ) I had to be on his account. I attempted to make a transfer after I got on his account and still cant do it. I understand the way this works, So I call capital one bank to rectify this issue. I called two times today and no one seems to know what is going on. I called two times and waited once 11 minutes and the other time 8 minutes .. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: What is this complaint about?

When applying for a car loan the credit report from Experian/XXXX is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now.

What type of problem are you having?

Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX but through a pull from someone else the score shows as ranges XXXX  to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records.

What happened?

I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity.

What company is this complaint about?

XXXX, Experian, and XXXX.

Who are the people involved?

Myself, 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 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10-01-2015 about Credit reporting () with QUICKEN LOANS, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: Upon receiving information regarding refinancing while reading information via email from Quicken Loan, I did not authorize them to do a credit inquiry. I decided to cancel any additional services to inquiry. The request on my credit report lists Quicken Loan as making a credit inquiry, this was not authorized and should be removed.

Company response to consumer: Closed with explanation