milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Hello, I have been trying to cancel a subscription with Experian for days now. They do now allow you to cancel online or via email, require a phone call. Everytime I call it is a hour and a half wait time. I've done it twice now and still received no answer. I can not just leave my phone on hold for an entire day. 
I can not remove my credit card and can not cancel payment.

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 11/30/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX in North Carolina erroneously charged me {$270.00} in fees for doctors appointments in XXXX and XXXX XXXX that resulted in XXXX collections accounts being sent to Optimum Outcomes Inc. Optimum Outcomes listed these accounts on my credit file in early XXXX. After contacting XXXX XXXX 's billing department to research the erroneous charges, they pulled the accounts out of collections and closed them/zeroed the balance ( to date, their systems show these accounts as closed ). It was also updated at Optimum Outcomes to show the accounts were resolved/closed. At the time, these accounts were removed from my credit file. 

In XXXX XXXX, these accounts reappeared on my credit file ( I was given no notice via mail or phone that these accounts were reopened or there was an attempt to collect a debt ). In late XXXX, I called XXXX XXXX 's billing department and XXXX XXXX confirmed the accounts were still closed with them and they had not taken any further action. I contacted Optimum Outcomes and was told their systems showed the accounts as closed. They advised me to contact the credit bureaus to dispute the items as they had no explanation for why they reappeared. I disputed with all XXXX bureaus. XXXX researched the dispute and informed me that Optimum Outcomes responded to their inquiry stating the accounts were open and unpaid. 

These accounts were closed in early XXXX, there is no reason why they should be open as I do not owe XXXX XXXX or Optimum Outcomes any balance. 

This has negatively impacted my ability to refinance my home as my credit score has dropped dramatically. I can no longer secure the rates that would have been available to me before my score dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (FHA mortgage) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report

Complaint: We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... XXXX XXXX  refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on XXXX XXXX part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX, Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!

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 08/21/2015 about Mortgage (Conventional fixed mortgage) with FIRSTBANK PUERTO RICO (PR).
Issue: Credit decision / Underwriting

Complaint: I contacted initially via email, then via phone 1FirstMortgage Puerto Rico then submitted all documentation asked for in reference to refinancing home under HARP, after receiving acknowledgement and credit info from them via mail have not received further info nor answers via email to finalizing refinance via HARP.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Federal student loan) with COAST PROFESSIONAL INC (VT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had consolidated my federal student loans and they never sent me a letter saying my XXXX would be garnished or that I would be in default of my loans soon. As far as I knew when I logged on to my XXXX it said my loans were forgiven. COAST PROFESSIONAL XXXX SENT THE NOTICE TO THE WRONG ADDRESS, AND IT WAS N'T EVEN IN THE RIGHT STATE! THEY HAVE N'T BEEN HELPFUL AT ALL. So now my XXXX payments are being garnished every month, which it was already hard enough to live on what little income I was receiving, now it 's almost impossible. If there is anything you can do to help let me know. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: XX/XX/XXXX I took out an installment loan with LoanMe, which I discovered through a commercial over the radio. At the time I had XXXX of my XXXX minor children in the XXXX after going through XXXX 3 months prior and needed the money XXXX 

I did unfortunately take the loan out based on the terms that the were expressed to me by the employee of LoanMe and due to the stress and emotions of the timing did not thoroughly read through the paperwork. I was given a loan at 138.28 %. 

I am a married man with a family of XXXX with a part time only job and when I could not make the payments that were not initially disclosed to me, I called the lender ( LoanMe ) to discuss payment arrangements and they denied me stating that my offer to make payments to them were not enough for them. 

I later received court documentation to for a court trial as the lender ( loanMe ) had filed in small claims court. I continued to get harassed and have asked them to stop harassment as we already have a court date set XXXX. The phone calls and harassment seem to persist. 

I also received an email from the customer service department at LoanMe XX/XX/XXXX and they sent me information for my loan and another borrower. Leading me to believe that their policy to protect my privacy is not adhered to with Privacy laws Act. 

Please look into this company regarding harassment and the lack of privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Customer service / Customer relations

Complaint: we have had a chase credit card account for our business for nearly XXXX years. it has never showed on our personal credit reports. a payment was late in XXXX XXXX this was a bank error. chase decided to report this lateness to the credit bureaus and put the account on our credit reports even though the account and the previous XXXX years of on time payments had never before been on the personal credit reports. as long as it was in a positive status they did n't bother reporting it. only when it was late did they decide to add it. this late payment status has negatively affected my credit and has caused a lengthy mortgage refinance process to come to a halt over this late payment on the credit report. without this refinance we stand to lose close to {$90000.00}. chase will not entertain the possibility that this is an error. they refuse to change the information. they do n't care even a little about customer service or a decade long customer relationship. they did not speak with us prior to this action.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage servicer has failed to pay summer property taxes owed on our home. The house straddles XXXX jurisdictions, XXXX XXXX, XXXX County, Michigan and XXXX XXXX, XXXX County, Michigan. Summer taxes became due to both Townships on XX/XX/XXXX They were payable without interest or penalty through XX/XX/XXXX. The present amount owed to XXXX XXXX is {$1700.00}. The present amount owed to XXXX XXXX is {$390.00}. Our mortgage payments are and have been current As of XX/XX/XXXX, the balance in our escrow account was {$6400.00}. As of XX/XX/XXXX, the escrow account contained {$7200.00}. 
On XX/XX/XXXX, I contacted the servicer by phone to inform them that the summer taxes were unpaid and was assured that although the taxes had not been paid, the matter would be addressed and the taxes paid within 21 days. I asked for written confirmation, but was told that none would be provided. The taxes remain unpaid, creating the false impression on our credit record that we are delinquent in paying these taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My issue is with Green Tree when I was having problems paying my mortgage. I have had issues with them repeatedly threatening me regarding my mortgage payments. Call me at all hours of the day, every hour. They took money from my bank account, when not authorized to do so ( I filed fraud charges with the bank and it was corrected ). They have forced me to pay the XXXX processing fee-in order to keep my house, many times over. They have refused to listen to me, or work with me in any way, called me a liar and threatened to evict me. 
I filed bankruptcy when my loan was still with XXXX XXXX XXXX, and I reaffirmed my mortgage at that time, they refuse to believe that, and have told threatened to evict me if I am 30 days late. They tell me I have to go back to my lawyer or the courts and get new paperwork for them ( it has been 4 yrs since filing ). They refuse to report my payments to the credit bureau, so my credit report shows this account is closed under chapter XXXX-when I am and have been making payments all along.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Billing disputes

Complaint: I purchased a memory foam bed through XXXX XXXX on XX/XX/XXXX because they offer no interest financing for 2 years ( or even longer, but we opted for 2 years ). Not surprisingly, this offer is still listed on their website, here : XXXXHowever, this offer is serviced by Wells Fargo and they are refusing to honor the terms of this agreement. Wells Fargo started charging me interest on roughly half of the remaining balance starting in XX/XX/XXXX ( which is 14 months after the purchase ). When I called Wells Fargo customer service, the rude representative told me that " I signed '' an agreement saying that the no interest period was 12 months. That is n't mentioned in the agreement I signed. According to my records I did not sign any such thing. Unless they can furnish the document, then it did n't happen. Also, if the representatives story was actually true, why would interest charges only apply to a fraction of the remaining balance and not the full balance? Also why would it start to happen 14 months later instead of 12? I have n't used the credit to buy anything besides my bed and pillows. Somewhere a mistake has been made. Wells Fargo should not charge interest until XXXX XXXX as per their agreement! Which they are not honoring. So far I have accumulated {$330.00} of erroneous interest charges according to the statement on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: For the past two years I have been unable to pay my mortgage within the first two weeks of the month. Bank of America personnel in the bank branches and at their XXXX customer contact phone numbers have told me when paying in the last few days of the month to avoid a 30 day late payment, I must pay over the phone. They charge up to {$20.00} per payment to pay over the phone with a debit card. This charge is in addition to a late charge. I feel the bank should post the payments made in their branches immediately instead of forcing me to pay the extra fee each month by phone to avoid a late posting of my payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX XXXX is advertising rates on their website they can not give to me. I am purchasing a home for {$650000.00}, putting down {$200000.00}, mortgaging {$450000.00}. I have a XXXX fico core. Their website says they can give me a rate of 3.75 %, XXXX points. When I called, the LO said he could not offer that to me because I was located in a High balance area but that he could offer me a rate of 4.25 %, XXXX points and they would offer to lower this rate by an .125 % if I would open up a checking account at a Citizens Branch and sign up for auto pay. 

How can a company misrepresent rates on their website?

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (PR).
Issue: Fraud or scam

Complaint: Hello XXXX XXXX, We received the claim you filed for the following transaction : Dispute Case ID : XXXX Transaction Amount : {$90.00} USD Dispute Amount : {$90.00} XXXX Transaction ID : XXXX Transaction Date :XX/XX/XXXX If You Have Additional Information Please Send it to Us Please provide the following documentation and any other relevant information to support your claim within 3 days. Please note that if we do not receive the information we may not have sufficient information to resolve this dispute in your favor. 
Please provide a brief, but clear explanation of why a credit is due. 
Next Steps If you have this information, you can send it to us via your PayPal account. To help protect your information, we do n't accept files that are sent as email attachments. 
To send us your information, go to the Resolution Center. Then click the Case ID under Resolution Center cases. Click Upload file under Case actions you can take, and then follow the instructions to upload the files. 
Want to Cancel or View Your Claim Status? 
If you would like to cancel or view the status of this claim, you can do so by visiting the Resolution Center. Click the Case ID, and then click Cancel Case under Case actions you can take.
Thanks, PayPal Order made with XXXX XXXX and only way to pay for order was PayPalXXXX is taking 0 action to resolve this complaint regarding one of their vendors -PayPal is taking 0 action to refund to my bank account fromXX/XX/XXXX to todayXX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I was recently charge {$75.00} fee on my checking account at Chase, because of a questionable tax debt owned to the State of Indiana by a debt collection agency

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-03-2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (WA).
Issue: Problem with the payoff process at the end of the loan

Complaint: Speedy Cash  hacked into my personal account without notifying me when I was making payments and saved my card information even though I have n't changed my banking information and illegally collected the remaining loan amount from my account. These  XXXX  at the banks and IRS think their going to make everyone 's credit decision fraudulently for them because their the sickest  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, 2017, Equifax returned an answer that said debt collection owed by my ex belonged to me. This was a total of XXXX collection accounts that showed up on my credit report and their failure to correct is keeping from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with LEXISNEXIS (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed a complaint against Lexis Nexis for inaccurate information contain in their consumer files. Lexis Nexis has several different division and consumer files which I disputed inaccurate information with the following consumer files : XXXX, XXXX, XXXX, XXXX and XXXX. To date only one report has been confirmed corrected. Lexis Nexis is refusing to correct or remove inaccurate information specifically the XXXX XXXX XXXX XXXX XXXX and reselling, data sharing and marketing inaccurate information contained within their consumer database/reports. 
I have disputed the information as inaccurate, identify fraud and requested removal of the information and OPT OUT of their database, data sharing, reselling and marketing of my personal information. To date Lexis Nexis is refusing to remove the inaccuracies and remove me from their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I called Transunion on XXXX-2017 and informed them I had been denied credit due to there not being a score for me at their company. I was informed that I could get a credit report, but no score until I paid them money. Any resource I look for online for them requires payment. I can not go back to the lenders that say I have no Transunion score with a report with no score. Also as to trying to find out this information and multiple applications to discover the info from all 3 credit bureau 's. My credit report now shows multiple requests and that lowers my score. Remind me how these companies are supposed to be good for the consumer?

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A few months ago an inquiry from Walmart credit showed up on my XXXX credit report. I contacted XXXX  and was advised by a representative outside the US that they could not assist and to call the police. The info seemed inaccurate but speaking to a supervisor did not help. I contacted Walmart and they confirmed they never had a credit inquiry using my social security number or name. They wrote a letter to XXXX advising but it has still not been removed. 

Also a XXXX XXXX inquiry is now listed as of XX/XX/2018. I purchased a car through XXXX XXXX on XX/XX/XXXX but did not use XXXX XXXX so that hard inquiry is inaccurate. Given approaching XXXX previously didn't work and only caused frustration I am approaching you for help to have both inquiries removed. These inquiries are not on my XXXX 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