milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 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: I sold my home XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX reported that my account was 90 days past due. Due to hurricane Irma XXXX XXXX XXXX put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to XXXX XXXX XXXX, XXXX, Equifax and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Ive sent numerous emails and messages after XX/XX/XXXX and have yet to hear back a response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: transunion said that they would delete my inquries from their computer glitch in my last dispute through cfpb transunion has not done done what they said they would do please remove my inquries

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 01-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Recovery Solutions, Inc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Over the past several months, I 've continued to receive phone calls from First Recovery about debt collection for a person that does not work at the number they are calling, which is my office and a government office. I 've made several attempts to update whomever is on the customer service end to remove this number off the list. The collector is looking for a specific person : XXXX XXXX. That individual does not work the line they keep calling over the past year nor do I know the person. Every time I receive the call from this company, i 've updated the customer service person and yet I continue to receive phone calls/msgs. After several frustrations over the past year, back in XXXX XXXX/XXXX/XXXX, i decided to do my own research online to find this XXXX XXXX person and guess what, was able to find her. I gave the customer service person the updated contact information back then because it seems like they ca n't do their job. It took me less than 10min to find her online. I received a call from this company XXXX/XXXX/XXXX. Morning of XXXX/XXXX/XXXX, i call back to once again update First Recovery and again I receive a call back XXXX exactly the same day XXXX/XXXX/XXXX calling about the same thing. I am beyond frustrated and can not believe people ca n't do their job to find the right person. Stop calling this number government office line. PLEASE STOP CALLING THIS GOVERNMENT LINE looking for the person as the individual does not work here nor do i know the person. Every time I ask the collector to update, they said they removed the number but i still continue to receive several phone calls over and over again. Every time I ask about which company this is, the customer service person/debt collector hangs up on me. Finally, at least i was able to find out that it was FIRST RECOVERY.

Company response to consumer: Untimely response
Consumer complaint received 02/25/2017 about Consumer Loan (Vehicle loan) with CarMax, Inc. (FL).
Issue: Problems when you are unable to pay

Complaint: I bought a used XX/XX/2009 XXXX from Car Max dealership about a year or so ago. It had car problems from the beginning which I complained about, but they would not make it right. From the beginning it kept leaking oil and had other problems. Even though the car had been in an accident before I bought it, Car Max represented it in fine condition with a " XXXX point check maintenance before sold to me.I took it to a XXXX XXXX XXXX, and they estimated it to have repair costs in excess of {$8.00} grand, including needing a new transmission and faulty mechanics. they broke the implied consumer promise of selling a reliable car. I took the car to the Car Max dealer on XXXX in XXXX FL, and the car sales man and his " Finance Manager '' tagged teamed me and told me I had no choice but to turn it in and buy a new car from them-they encouraged me to default on my loan! They said people do it all the time, and being that I could not afford the repairs I should buy a good running car from them. I have a witness to this pressured conversation. I also have a XXXX dealership ( XXXX ) estimation of repairs : {$8900.00}. I believed them and did what they encouraged me to do, since the Car Max company ( another location ) sold me a lemon! The behavior of Car was exploitive and unethical, and has caused me financial hardship. I have always been on time paying my car payment ( except the last one when I decided I could not keep it and turned it in. I take pride in paying my bills on time, and respectfully request that the Car MAX company make all the needed repairs on the " lemon '', and I will consider taking the car back and making the payments. Either way, I respectfully request that this debacle does not go against my credit, causing me further damage. As reparation and a solution to their behavior and bad consumer product, my request is : PLEASE ASK CAR MAX TO NOT LET THIS SHOW UP ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I received a copy of my credit reports and see that XXXX XXXX is reporting that {$1200.00} is owed to them. After multiple attempts to get debt validation, I have not received a response from XXXX XXXX. I asked for them to validate the following : 1. What was the account number.? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay them this sum of money. 4. What was the original date of delinquency for this account? I required compliance with the terms and conditions of my letter within 30 days of their receipt or a complete removal from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Wrong information on credit Report due to ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Vehicle loan or lease (Loan) with FORD MOTOR CREDIT CO. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX, creditor, car loan account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of XXXX for XXXX. I have written several letters to XXXX CREDIT to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Macy 's credit card credit collection calls me from XXXX different numbers ( XXXX XXXX XXXX and ( XXXX ) XXXX. The phone calls start from each number as early as XXXX and have been harassed by calls 5 times or more a day. I have arranged a payment date and am still being called repeatedly. The charge is for around {$100.00} and have never felt so harassed by a credit company in my life. This is starting to disrupt my personal life by being inundated by calls. One day the Ohio number called me four times in a row.

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 08-08-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (OR).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX opened an " Essential Business Checking '' account with Wells Fargo in XXXX and I was told there would be no fees - I took a picture of what the banker wrote on my welcome booklet and Wells Fargo has confirmed that, that type of account was free because I have a mortgage account with them. Less than a month later, on XXXX XXXX, Wells Fargo changed my account to " Business Choice Checking '' without telling me and began charging me a $ XXXX monthly fee. No one at Wells Fargo can explain why this change took place and they simply said they no longer offer the Essentials Bus Banking. I was told by the CS rep at Wells Fargo that I was notified either by email or mail but I was not. I have also checked the secure emails that they sent to me within my online banking. They are refusing to refund the {$14.00} fee and I now have to go close out all my accounts with them. Here is what they wrote after I emailed them my complaint : " I received your email inquiring about changes to your account. I know how frustrating it is when unexpected fees are assessed. 

Effective XXXX/XXXX/2015, your Essential Business Checking account waschanged to Business Choice Checking. The account will have a new $ XXXXXXXXmonthly service fee. I regret that I am not able toreimburse the fee at this time. " I would just like there to be a record of Wells Fargo 's shady business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (CA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint: I received a gift card as a bonus from work in XXXX XXXX with XXXX $ on it. It expired on XXXX XXXX. The company XXXX with phone number ( XXXX ) XXXX XXXX says they will not replace the new card based on their terms and conditions. On the CFPD website it says they should be able to replace the card : XXXX : XXXX What can I do about this how can I get this money back? 

-XXXX  Also , I am very happy that a resource like website exists for people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: About 2 weeks ago a deputy officer came to my house knocking at my door saying I owed money to a company. I did not know what he was talking about. I did not not received any notice from any company and the officer could n't explained either, he assumed I knew and started saying he could take my property and sale it in an auction or seizure my wages. Officer is from XXXX XXXX, constable, hes name is XXXX XXXX XXXX. He later sent an unofficial letter to my house with a case number. I went to the court to request a copy and found out that XXXX XXXX XXXX XXXX using the services of XXXX XXXX XXXX XXXX is the company trying to recover an old debt they bough from another company and that is not mine. The debt is from before 2006 I believe  according to what I read on the documents. I never applied for any loans or credit cards to any financial institution mentioned on the documents and I did not even have any credit at that time, nor good or bad, I just did not have credit. I am already filing for identity theft and I already did report the case because I do not want to pay for something that I 'm not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my requests to investigate and remove accounts from my credit file that were opened fraudulently.

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 07/15/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 Bayview 's letter dated XXXX XXXX, 2015 was given to me by their attorney at the XXXX XXXX in the aforementioned matter. Bayview 's attorney claimed that this letter was sent to me on XXXX XXXX, 2015, however, this was yet another misrepresentation made by Bayview 's attorney in Court. As I 'm sure Bayview 's records indicate, Bayview never sent me their XXXX XXXX, 2015 letter. 

This complaint is to dispute the reason as to why XXXX XXXX was denied a HAMP loan modification. Based on Bayview 's response provided to my first QWR, Bayview indicated that {$5200.00} was used to determine XXXX XXXX monthly gross income XXXX {$3700.00} + {$1500.00} XXXX. In Bayview 's XXXX XXXX, 2015 letter it is further claimed that an affordable payment could not be reached without violating FHLMC 's HAMP requirements. This is not true nor is a specific rule cited to. The principal forbearance required in this case is less than 30 % of the UPB and less than the maximum amount of forbearance. Consequently, XXXX XXXX is eligible for a HAMP tier XXXX loan modification. Please see attached waterfall calculation.

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. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have potentially been impacted by the recent Equifax security breach where millions of consumer 's private information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: My credit was ran to purchase a home and I found out something in the amount of {$400.00} was sent to collections to a company called Berlin Wheeler. I have never been contacted by this company or advised of this debt. However now may not get my loan due to this XXXX issue I was never informed of. I did receive what I took as a fraud call in XXXX of 2015 from a male with an XXXX accent stating they were from the federal government. The message stated if I did not pay them a past due amount over the phone within XXXX hours I would have a warrant for my arrest. I called the number back and spoke with another XXXX accent male, I told him I was contacting the FBI with the number and he hung up. I tried calling back and the number was disconnected. I thought nothing else of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This formal complaint concerning and XXXX their business practices.ERC is reporting a debt is not mine This bureau continue to report inaccurate information. 

In the years from XXXX my identity was stolen. I discovered this because an auto loan was opened and several inquiries, where someone has continued to apply for credit in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/14/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My loan was recently transferred from XXXX XXXX to XXXX. I was never notified about the transfer in writing, I only found out when I tried to log into my XXXX online account to make a payment on my loan. This gave me a message that the loan was transferred, and I would need to go to uheaa.org. I created an account on XXXX, but my loan does not show up. My loan due date is approaching, and the only advice I received from XXXX customer service was to wait a few days since they were still transferring accounts. This process has been completely unprofessional and disorganized, I have yet to receive anything in writing explaining the transfer, and only verbal confirmation that I will not be penalized since I have no way to pay my monthly bill until they complete the transfer.

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 01-11-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: We had been working with our servicer to explore our options to foreclosure. XXXX, our servicer requested all the documentation, which we submitted for a deed in lieu or a short sale. They sent us a letter stating that our packet would be reviewed, and would take 90 days. Please see attached letter. 
A few days later, XXXX assigned the servicing to Seterus. We called XXXX again. XXXX representative states they are working on the packet, it 's in the review process, another states they are within their rights to assign the servicing, and send the packet of information, which includes bank statements, taxes, paystubs, and all sorts of other information, to Seterus. XXXX did so without our express permission, or consent, we were never given the option to opt out or noticed that this would be done. That is our personal, private information being shared w/ unknown 3rd parties. 
A few days later, we go to check on the property to find a sticker from XXXX pasted to the door. It stated the property " appeared abandon or vacant '' and stated '' we owe an alleged debt ''. First, to let the entire neighborhood know that the property may or may not be vacant puts not only or personal property at risk, but also our personal safety. All on top of announcing we may owe an alleged debt. XXXX XXXX was hired by Seterus a debt collector, meaning they should know announcing to neighborhood we may owe a debt is against Federal Consumer Protection Laws, and trespassing. 
On Friday XXXX XXXX, 2017, we got a call from our Realtor, to tell us that the locks were being changed by a company named XXXX, again hired by Seterus. 
Seterus has not spoken with us on any of these matters, no foreclosure action has been initiated, no legal action of any kind has been started. Yet they are changing locks, winterizing my property and posting notices on our property. We are still the owners, and have personal property inside of the home. We pay the heating bill, the electric bill, and have contracted with a Realtor to sell the property. Seterus has no rights to change locks or trespass on my property as this is akin to breaking and entering. 
We want the locks changed back, and for Seterus a debt collector to pay strict adherence to the FDCPA. An assignment of " servicing '' does not give them any legal or lawful right to put us or our property in jeopardy, nor any right to change locks, or have some unknown company enter our property without our consent.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with FIRST CHOICE LOAN SERVICES INC. (ID).
Issue: Application, originator, mortgage broker

Complaint: XXXX " XXXX Mortgage '' Flyer Disclosures/Disclaimer 1. Fine print unreadable 2. Can not obtain details of the XXXX Offer 3. Unable to obtain qualifying criteria 4. Unable to contact " XXXX XXXX XXXX XXXX '' and obtain details of " Average Executive Membership Level Savings '' claim of savings : {$5900.00} over 7 year period. 
5. NEED : General Program Disclosures - Mortgage Purchase & Refinancing is provided and operated by First Choice Loan Services Inc. ( NMLS # XXXX ), located at XXXX a wholly owned subsidiary of First Choice Bank ( NMLS # XXXX ), a XXXX XXXX XXXX bank. First Choice Bank is registered or exempt from state licensing in the states it originates mortgage loans. XXXX and its affiliates do not negotiate, arrange or make mortgage loans or lines of credit. You must be a XXXX member to participate in the Mortgage Program. First Choice Loan Services Inc. is not an agency of the federal government or the HUD/FHA. First Choice Loan Services Inc. has no affiliation with First Choice Bank, chartered and located XXXX. Licensed by the XXXX XXXX # XXXX. XXXX/XXXX/2015 *Disclaimer : The estimated savings statement is calculated over a 7-year period utilizing the following loan scenario and includes both interest and fees savings : home purchase in the State XXXX with a loan-T0-Value of 80 %, Loan Amount= {$250000.00}, Single Family, Primary Residence, XXXX, Term=30yr as of XXXX/XXXX/2015. Average Executive Membership level saving is {$5900.00}, which includes the lender fees saving as of XXXX/XXXX/2015, as compared to an average of national mortgage lenders in a comparative study conducted by XXXX XXXX XXXX XXXX individual savings may vary based on credit score, Loan-To-Value, location. XXXX membership level, and loan amount, and are subject to loan requirements and approval. XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Checking or savings account (Checking account) with KEYCORP (CO).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I went into key bank opened a new account put {$50.00} bucks in as required to open the account the very next day they block my account. so after multiple days of calling I was advised due to bad banking with key back over 5 years ago they were closing my account the issue is when I first tried to open an account with key years ago they did the exact same thing opened the account said my credit was to bad blocked it and charged me fees. Not being allowed to have the account is fine but they charged me {$24.00} for checks even though they immediately block the account and I want my money back I cant use these checks they should not have proceeded to open the account if they were n't going to approve me im sick of being XXXX by key bank this Is the second time I never even had a chance to use the fist account because they did the exact same thing so I cant see how that was considered bad banking. then they send me a letter telling me they might report this as negative on my credit no way worst bank ever

Company response to consumer: Closed with explanation