milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently checked my credit report ( Eqiifax ) and noticed a problem in my personal information. In my address information, I checked the listing and noticed an inconsistency. 
" XXXX XXXX XXXX XXXX XXXX, NJ XXXX First Reported XX/XX/XXXXLast Reported XX/XX/XXXX '' I never lived in XXXX, nor do I plan on moving there. So I have good reason to suspect there is a potential identity theft going on. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are unauthorized inquiries on my credit report for whom I have requested to be deleted or removed. However, they still remain 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 explanation
Consumer complaint received 06-11-2015 about Debt collection (Credit card) with CL HOLDINGS LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company have been trying to collect on a debt that 's inaccurate I have requested that they validate this account but have not gotten a response they continue to report this account on my credit reports illegally,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Ocwen Loan Servicing , LLC became the alleged loan servicer on my mortgage when the mortgage was in default, which qualifies Ocwen as a debt collector. I disputed the mortgage with the alleged lender and on XX/XX/XXXX the grantor notified XXXX that the dispute had been settled by the grantor, the account balance is zero and the account is closed. Ocwen stopped reporting information to the credit bureaus as a result of the grantors settlement of the debt on XX/XX/XXXX, however, Ocwen has continued its attempts to collect the debt. On XX/XX/XXXX, I sent XXXX XXXX, at Ocwen an email informing him that the balance is zero and that a satisfaction needs to be recorded in the XXXX County Register of Deeds to reflect that the mortgage has been satisfied/canceled. I asked for a reinstatement amount if any that Ocwen was claiming was owed that was different from the Zero balance reported by the grantor and XXXX XXXX XXXX replied through counsel representing Ocwen that the reinstatement amount exceeded XXXX. XXXX continued attempts to collect on this closed account violates FDCPA laws as Ocwen is misrepresenting the amount and status of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX mortgage loans with Nationstar Mortgage. XXXX of the loans was paid in full because I sold the home. Nationstar Mortgage withdrew a XXXX payment from my bank account for the property that was already paid off from my bank account. Therefore my primary residence loan that I have with them was unable to be paid because of insufficient funds in my bank account. I contacted them as soon as I realized what happened. I spoke to several representatives regarding this issue. I was transeferred to a manager and she said they would send a check to me. After 2 weeks i contacted the manager and she said they would transfer the funds to my primary mortgage. I received a letter stating that my loan was 35 days past due and was going to be sent to the credit bureau. 3 weeks later and I just received a check from them and it is short {$1000.00} from the payment they withdrew from the account. I have been unable to get into contact with the manager at this time to see why the account is short. I would like to get the remaining balance of {$1000.00}. I need this to pay my mortgage. I do not want my credit to be affected by their discrepency. I have phone records and emails that show how many times i tried contacting them regarding this issue. 

Please contact me regarding this issue ASAP. I can not afford to have a delinquent payment on my credit. 

Thank YouXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo purchased my mortgage from a different company. I have repeadtly tried to go through proper channels including sending a letter to the CEO asking to change my due date. I only get paid once a month - the XXXX - so I need a due date after the XXXX. The company refuses to even acknowledge anything only stating I signed paperwork that it is ok to have my loan assigned. While true, I did not sign anything for Wells Fargo. By refusing to change the due to after the XXXX, Wells Fargo is causing me undue financial hardship and possible late charges and fees that will be accumulated. The company can not provide a valid reason as to why this can not be changed

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XXXX XXXX XXXX all three credit bureaus have the incorrect date in there system, that reads XXXX of XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to XXXX over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with equifax and XXXX because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (OK).
Issue: Using a debit or ATM card

Complaint: In XXXX I signed up for a trial with the company XXXX XXXX using my Paypal account. As these things usually go, I forgot to cancel the service prior to it converting into a recurrent billing subscription. After noticing the charges a month or two later I contacted the company and informed them that I had no interest in continuing the subscription. Instead they continued to charge my card. I contacted them again and when that did not work I closed my bank account and opened a new account to prevent any further unscrupulous charges. Last night, I used Paypal to purchase a XXXX gift so I entered my new debit card information into my Paypal account. This evening, I received a notification from Paypal that the debit card from my new bank account incurred a XXXX charge from XXXX XXXX. I immediately called Paypal and after suffering through a myriad of tedious prompts and useless information I was finally able to figure out how to get someone on the phone. I explained the situation to the Paypal rep I spoke to and made it clear that I wanted the charges reversed. He refused because it was a recurring payment. I attempted to explain to him that I NEVER authorized XXXX to make charges to my new debit card. Furthermore, I did not authorize Paypal to use my new card information as a back-up form of payment so the charge should have never shifted to that card. There is a box you can check to designate any new payment information added to your Paypal account as a back-up form of payment. I purposely did not check the box. Apparently, that gave them the right to " decide '' for me? I have used Paypal for a plethora of purchases as well as a few recurring payment situations. However, whenever I have contacted a company, outside of XXXX XXXX, requesting a cancellation payments have always stopped so I have never needed to ever call Paypal with a problem. Needless to say, this entire situation is disappointing. Especially coming from a company that purports itself to be customer service oriented when their recent actions are indicative of the opposite.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is requesting payment for an account that I do not owe on. {$140.00} from XXXX These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$140.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX AND XXXX, in their respective states if this is not resolved NOW! EQUIFAX and These CRAs should be banned from doing business and ruining peoples lives without verifying information XXXX! 
I 've ALWAYS had this type of trouble before with EQUIFAX. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
I have submitted as well an official SS card and pay stub, wtc with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I have tried for several years to modify or short sale with no cooperation from the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OH).
Issue: Problems when you are unable to pay

Complaint: I have an auto loan through ally financial in XX/XX/XXXX I became unemployed for a yr so I filed chapter XXXX bankruptcy, kept the car paid the note each month, for three yrs, the XXXX got dismissed not discharged XX/XX/XXXX, I spoke with numerous cs reps in the ally bankruptcy department all telling me that I 'd have to pay XXXX within 60 days after it 's dismissed so my car was worth what I owed so I figured I 'd just trade it in, so for two months I dealt with XXXX dealers. The only reason I pursued the new car was because it was cheaper than paying XXXX all up front, so I got a new car traded mine in 20 days later XXXX XXXX in XXXX oh asked for the car back. So I call ally again finally someone sent me to a person that said I only have to pay XXXX and restart my contract with same interest rate. Had someone told me this from the beginning I would have waited before trying to trade it in. So all the false statements I was given over two months, I now have XXXX hard inquires on my credit causing my score to drop XXXX points. So due to ally giving false info. and poor finance management my credit had to suffer even more. I find it unfair that these foreign customer service reps at these banks do n't know anything and do n't have the correct answers. It 's bs and the consumer suffers while trying to better their situation it 's unfair.

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 10/31/2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX and XX/XX/XXXX I was refinancing my house. I had a loan through Penny Mac. My new mortgage company XXXX XXXX XXXX and title insurance Company XXXX XXXX XXXX reached out to Penny Mac to get the pay off amount for the loan. A few days after this number was discussed, Penny Mac sent a check to FEMA on my behalf. This changed pay off numbers. The refinance happened and around XXXX XXXX, Penny Mac reached out to XXXX XXXX about the discrepancy. On XX/XX/XXXX, I reached out to XXXX XXXX because I had received a notice from Penny Mac that my mortgage was late. I have since received a check from FEMA that my account was paid in error. I am trying to resolve this issue, but have been given XXXX different amounts from Penny Mac as to what I owe. I am completely confused as to how a company can have so many different numbers as a balance on my account. I am willing to pay the amount that they paid extra to my escrow to FEMA but I do not feel liable for the interested and added fees that are added on to this account. I keep being told that someone will return my call but each time it is at least 2 days not the 1 promised. 
I am a XXXX military member and I have a title insurance company helping me out. I can not imagine the stress this would put on someone else in my situation. I have XXXX XXXX and the stress of this is causing me physical pain. I would love this issues addressed quickly and with no further confusion. I would also love for someone to look into the constantly changing numbers on my bill. It was {$1000.00}, {$1300.00} ( I scratched this one out in my notes so it might be off ), and {$1700.00} all in a 20 minute phone cal on XX/XX/XXXX. The first letter I have says {$1600.00} and the second one {$820.00}. The phone call on XX/XX/XXXX said {$1500.00} and the final call today stated {$1500.00}. This last amount was also included in an email and an hour later they decided they could be gracious and knock {$100.00} off since I was concerned. 
I know you are n't supposed to mention feelings in a business letter, but I feel like this is one big joke. Penny Mac paid FEMA despite not having to. Penny Mac waited over a week to address the issue with XXXX XXXX who sent the money. Penny Mac waited 2 weeks to reach out to me. How is this my almost {$2000.00} mistake? Penny Mac is a big corporation and it would say much more about their character if they could XXXX lose on a mistake they made. It makes me curious how many thousands of dollars in their income is due to problems they caused but would not own up to. I work hard for my money both my military pension and what I get from working in XXXX and I do n't have {$1700.00} to hand over due to a clerical error on the part of a huge corporation!

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Deposits and withdrawals

Complaint: I have had many issues with US Bank, but this is the icing on the cake. 
US Bank continues to charge fees and allow transactions that should not be authorized to go through on my account. I cant even begin to explain how many times I have had to call to complain about my accounts. Last month, an unauthorized transaction of XXXX went through on my account and a check to the XXXX was sent back ... they never refunded me for the NSF I was charged. Today, US Bank sent back a check that was cleared on my account tuesday. I explained to them that when I checked my balance on their MOBILE app, that my balance reflected as XXXX number and that after that check went through that there was still funds available. The rep told me me not to depend on the mobile app because it is not accurate ... which is contradictory information. The check showed as cleared on Tuesday XX/XX/2017 and there was a pending XXXX from XXXX. They sent back the check and cleared the XXXX hold which ended up being XXXX. I cant get anyone from US Bank to admit that this was there error and they charged me a fee today and will not refund it. I continue to have issues with all of my accounts as well ...

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( Equifax, XXXX and XXXX ) and the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Payday loan () with Maximum Title Loans, LLC (AZ).
Issue: Payment to acct not credited

Complaint: First and foremost I owe the company. How ever they hired someone to collect the money. He or she contacted me after XXXX and made empty threats to me and said they already made a visit to someone who they scared so bad to pay them. XXXX advised when I can pay in full and they continued to threaten met and said only way they leave is me paying or by the cops at my work. I asked not to be bothered at work but they declined and said they will see me the following day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with Adler Wallach & Associates, Inc. (LA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: AWA Collections talks to people like they are  XXXX . They have terrible attitudes and offer absolutely no help. When you ask to speak to a supervisor all of a sudden whoever you are talking to turns into the supervisor. I guess it is ok for them to hang up on you multiple times, deny they did that at  XXXX  point, and laugh when you start questioning charges. They make snuddy remarks about why your account is there as well. When asking about charges and could I receive a copy of them I was told if I had paid my bills I would n't have to be calling them. Yeah you 're right but in order to pay the bills you actually have to receive them first!!! The federal government really needs to look into these companies! The ONLY reason I found out about these accounts is I was in the process of buying a house. THIS BY FAR IS THE WORST COMPANY I HAVE EVER HAD TO DEAL WITH!!!!!! Most companies are willing to work with you or settle if you can make a full payment I was cut off and told they do n't have to work with me at all they are n't there to help me. How   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   You should always be willing to work with people!

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX and Green Tree Servicing LLC have not been applying my mortgage payment to my loan for the last XXXX months. As of XX/XX/XXXX. They are also saying I 'm XXXX months behind on my loan. They are also adding another month to my mortgage balance. This is a total of XXXX months they are not giving me credit for. My mortgage balance should be less than XXXX dollars. Yet they are saying my mortgage is over XXXX XXXX dollars. I made the same compliant to XXXX and Green Tree servicing LLC in XX/XX/XXXX, that they had added six months to the back of my loan. They are still doing the same thing in a different way. XXXX and Green Tree Servicing LLC are also adding illegal late charges to my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have hard inquiries on my credit report and I want them to remove it

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 04/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Your office completed an ivestigation on this matter and the compnay stopped collecting the debt but they still have not removed it from all XXXX credit bureau 's. 
ERC for XXXX XXXX is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2015 about Credit card () with SYNCHRONY FINANCIAL (OR).
Issue: Delinquent account

Complaint: There was a small charge on my Banana Republic Credit Card that I never received a bill or a statement for and was reported as a hit to my credit score. When I finally received notice that I was severely overdue and had been reported, I paid the charge in full and cancelled the card. I work hard to maintain my credit score and do not want it to be damaged because of a charge I was never properly informed of. The delinquent amount was for less that {$50.00}.

Company response to consumer: Closed with non-monetary relief