milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: ( copied from my letter to Experian ) XXXX Attn : Customer Care XXXX, TX XXXX Dear Experian, Well that was sneaky. You know I 'm after my FICO credit score and a credit report, so you lead me down a path on your website promising a free credit report. Once you have my personal info you inform me that it costs {$1.00} to report the FICO score, which seems reasonable so I enter my credit card info and press OK ... 

... not reading the small print two paragraphs below which says that in fact I was signing up for a $ XXXX recurring charge. 

I 'm sure you can cite letter of the law that nothing is amiss, but this is clearly meant to trick people into a recurring charge. What I and I 'm sure 90 % of your customers want is a one time credit report. The transaction as presented seems like I am paying {$1.00} for a simple credit report. It would be a more uncommon thing for someone to want a continuous and relatively expensive monitoring of their account. 

A monitoring service is a separate product from seeking a credit report, and should be sold as such. You should not have to sign up for a {$260.00} per year service just to see a one time credit report. 

Experian is in a uniquely powerful position in the financial industry. You are in the business of gathering personal information and making judgements on credit worthiness. To offer a credit report service that borders on a scam is troublesome. 

I would appreciate a refund of the {$21.00} charge that was made to my credit card, which you have kept on file. Thank you.

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 05/23/2016 about Debt collection (I do not know) with Duncan Solutions, lnc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I found that I owe {$130.00} to a company named " XXXX '' when I checked my credit report. I do n't know what this debt is for, what this company is. No type of contact was made or attempted by this company to let me know why I owe this money and how I can pay 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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XX/XX/XXXX & included in Judge 's discharge. Correct. XXXX buys mortgage in XX/XX/XXXXand also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date ofXX/XX/XXXX where there involvement did n't start until XX/XX/XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & XXXX accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake XXXX refuses to correct.

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 12-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am before the va appeal process on a debt of overpayment. The us treasury has hired a cbe debt collection agency ( twice ). The first took my federal taxes last year and now this agency is threatening me with wage garnishment. 

I have spoken with a lady at the va appeal board by phone and says they can not do this, it is harrassment and i have told them this. 

yet they still harass me and now want to attach my wages. 

I want this stopped and my last year taxes reimbursed due to illeagally obtainment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Using a debit or ATM card

Complaint: Someone was able to get my social security number, call my bank posing as me, have a new card sent to them in a state in which I do n't live, transfer money from 1 account to another over the phone, and then go on a shopping spree. CapitalOne bank never went through additional security challenges in spite of the fact that the address given to them was NOT in their file and by looking at my statement, transactions were made in another state ( my state ) the day before. I really think there should be some extra security before getting a new card and cancelling an existing one. Not just birthday and social security number ( both of which can be had ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Billing disputes

Complaint: I am in the middle of buyin a home and I have a charge off on my credit report that I need to resolve. I have call on several time to get no where. I am willing to pay the debt off to purchase this home however the credit company SYNCB/CARE Credit has been no help and said that they would not show my status as paid on my credit report, nor would they send a letter stating that the account was paid in full. However they said they will take my money but they wo n't report to the credit reporting system nor will they give a letter. I have ask to talk to a supervisor only to be told the same thing over and they are not willing. I was hung up on when ask to talk to there supervisor and also told there were no other supervisors. I need to get this cleared up as soon as possible. Settlement is set XX/XX/XXXX and this is the only thing that is hold me up. Had the company proceeded to do the right thing this would hav never happen. I was never contacted by them nor by a collections agnecy. This account was auto debit from a checking account and they just stop taking the money out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a VA Loan. The original loan included cost for Mortgage - Hazard Insurance. After the first year, the issuer of the mortgage insurance, cancelled the policy. Though the policy was cancelled, the monthly mortgage cost stayed the same. The loan originator insisted that I again get an insurer to cover the loan. Subsequently, I found out that VA Loans per my category, do not require " mortgage insurances ''. The loan originator has sense foreclosed and sold my property, even though, I have continued to pay my monthly mortgage up until they stopped receiving them ; returning my checks to me with a note saying they no longer could accept them. The loan originator has issued an eviction notice to me effective XXXX XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other fee

Complaint: My husband 's car " died '' on the XXXX in XXXX. He was towed off the espressway by XXXX, NY XXXX XXXX, a company authourized by XXXX to tow. On the bill, there is a {$4.00} charge under Gas/Tire/Boost, none of these services which were performed. I called XXXX and was told that it is a charge for using a credit card. I informed the man it is illegal in New York State to do that and he was surprized at that information. He is was not the owner and got nervous about his job because he did n't realize that was the law and had given me the information. I will not use his name, I do n't want him to lose his job. This business is authorized by a governmental arm of the XXXX and should be held to the law. {$4.00} may not seem like alot to get worked up over, but hypothetically, if XXXX tows a day for 300 out of 365 days a year at {$4.00} a pop on a credit card, that 's {$6000.00}! Maybe they do n't do that much business, they are still ripping off the consumer ; they chose to offer the choice of credit card as a form of payment and signed a contract with merchant services to pay the fees, NOT XXXX customers. As we have XXXX who will reimburse for the tow bill, XXXX should not have to be dunned for this amount either! I would like this business to be investigated for this. Whether or not I get this {$4.00} back, XXXX should not continue to flaunt the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX    I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter   XX/XX/XXXX    . All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: HSBC ( formally Household Finance ) has been a thorn since I purchased my home. It was predatory XXXX loan that eventually had an interest rate that exceeded 13 %. I eventually got a modification and have been paying my note on time since XXXX that included a 36 month payoff of taxes and insurance they said I owed. I paid the extra from XXXX through XXXX ( XXXX XXXX payment to the ancillary was for {$590.00} and even higher amounts as noted on XXXX page of the " house note log '' included ) even after I received a letter XXXX XXXX stating it would be placed on the back of the loan per government regulation. I wanted to be done with it so I paid it off. In XXXX I received my new mortgage amount based on my lower escrow cost and by XXXX I received another letter stating that I would pay {$100.00} for lender advanced taxes that I had already paid off during the XXXX 36 months of the modification. I have kept all my payments and letters from them but it will take time to put the years together. When I called to inquire about this they told me that I still owed over {$3000.00} and had only paid ~ {$300.00} which is not true. This company appears to be attempting to swindle me out of funds I really do not have. I have sent them a letter requesting my loan activity since XXXX which will of course not be sent to me before my house note is due on XXXX XXXX, XXXX. This is causing me a hardship since I live on a fixed income. They have also added several fees to my loan over the years. They show all sorts of late fees and other fees I know nothing about that appears to be padding the loan and they do not show my statement on line. Any assistance you can give me will be appreciated. Thank you * I did send a request to HSBC but the date ways XXXX rather than XXXX as the start of the modification payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: On   XXXX   XXXX    2017, I  contacte d Wells Fargo B ank regarding my current balance increasing. I was told that the increase was due to a new Mortgage Analysis schedule. This would make  XXXX  analysis within  12 mo nths. I was told the same thing last year, which they change the schedule last year. I was told I was l ucky because I would not go through another analysis until 12 m onths. On   XXXX   XXXX  , I received another call stating that they were still researching the issue and would provide me with an answer as soon as possible. As of   XXXX   XXXX    2017, I  have not received any status or documentation from them explaining why I received another Mortgage Analysis.

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 05-10-2016 about Payday loan () with Big Picture Loans, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a loan with Big Picture Loans for an amount of {$400.00} and was approved. In the Loan details it was stated there would be a {$140.00} Finance Charge and I agreed making the total amount {$540.00}. 
I was NOT informed of the whopping 974.0608 % Interest Rate that I would be charged and the Finance charge of {$1800.00} making the total amount to be paid $ {$2200.00}, There is absolutely no way I would have agree to this Loan if I had been told the truth upfront but I was not able to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This is illegal and I will be taking it further.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (Other mortgage) with Fay Servicing, LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I have attempted several times ( 6 or more in the past 3-4 months to get a a loan modification package. My loan was sold to Fay Servicing while I was in the middle of a modification review with my prior lender. I get letters almost daily of a new acct manager in which I call and to no avail can reach live. I leave a message and do not receive call backs to answer my questions. I call the toll free telephone # and told I have yet another account manager. the lender stated to the courts they tried contacting me and serving my household since XXXX 2016 with no success. they got permission from the courts to serve publicly in the paper. There is someone at my house 24x7 and there were NO attempts to serve me. my home is going up for aution on XXXX/XXXX/16 and I have yet to get a call back from any of the many acct managers I was assigned. I also requested the investors contact information, telephone number and mailing address in which I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a bankruptcy listed in my credit files that Experian is reporting which is inaccurate and incomplete. The Federal Laws requires that the credit agencies provides mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Experian validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me. I have several letters from the Federal Bankruptcy Courts and XXXX which states that they DONOT report to the consumer reporting agencies and letters from XXXX which states that they DONOT have any records of a bankruptcy in their files for me. Yet Experian keeps telling me they have verified it with XXXX and I know they are not investigating.

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 04/15/2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a collection account show up on my credit report in XX/XX/XXXX ( XXXX XXXX Account No. XXXX ). I believed the account to be incorrect and disputed the account with Experian. Subsequently, the account was deleted from my Experian credit report in XX/XX/XXXX. In XX/XX/XXXX, the same account listing matching balance, collection company, and account number was reinserted on my credit report. No notice was provided to me prior to or immediately after reinserting this collection account, as required by law, and its inaccuracy is greatly affecting my credit standing.

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 09/16/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On approximately XX/XX/XXXX, I noticed a garnishment on my paycheck. 
I received a copy of the judgement from my Human Resources Director. 
I was not served at anytime, or afforded the opportunity to dispute this debt in court, and this company was given a default judgement. 
The last known address that they indicate was from more than 4-years ago, l. I legally changed my address with both the US Postal Service and NYS Department of Motor Vehicles on or about XX/XX/2014 ; which if this company had researched, they could have located my current address, rather than using " Sewer Service '', which is illegal in NYS  Additionally ; This Jusgement was filed in a county that I do not live in and is in no way associated with me. 
THIS COMPANY HAS NEVER ATTEMPTED TO SERVE ME OR CONTACT ME IN ANY WAY PRIOR TO FILING FOR THIS JUDGEMENT. 
I plan on pursuing an order to vacate this judgement as well

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On several occasions I have requested that " Paid Civil Judgment '' be removed as derogatory remarks from report. Docket # XXXX for {$3500.00} has been removed. However, Docket # XXXX for {$4000.00} has not. It clearly reflects as Paid, as did the other one, and yet they continue to ignore my requests to remove it as a derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX mistakenly filed a tax lien against me. I contacted them and they sent me a letter to mail to XXXX, Equifax and XXXX telling the credit bureaus to delete any reference to the tax lien. I sent them the letters explaining that the lien was placed in error. 
Equifax refuses to remove the lien entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX I tried to log into my Capital One Credit Card Online Banking, I could n't because the system told me it was blocked. 
When I called the customer service department, one representative told me : My account has been closed because was market as fraud from the XXXX credit bureau, upon a dispute that I 've filled up for a late payment that still was showing up in my credit report since XXXX 2015, after a year ago when I was making all my payments on time. 
They told me I have to call them ( XXXX ) so they can send them ( Capital one ) a letter so they can open my account once again. 
I called XXXX and they told me I have to call Capital One once again because they have nothing to do with that. I have to get in contact with XXXX operators and XXXX managers at Capital One, XXXX operators and XXXX managers at XXXX, plus the uncomfortable waiting time ( Approximated 10 minutes for each person ) And NO ONE, NOBODY could give me a reasonable answer of WHY they 've closed my account? 
From : You have to contact the credit bureau, we ca n't give you an answer, you have to contact them and then we 'll see if we can re-open it, sir I have told you 4 times I CAN NOT GIVE YOU AN ANSWER to the phone hanging up at Capital One twice. 
I had such an awful night, without mention that that night I need it to send some money to my mother in XXXX XXXX and the only way I could do it was with my credit card. In top of everything, without any explanation they shut down my credit score to XXXX, when I was paying my credit card on time since XX/XX/2015 to fix my credit score. 
So, because I could n't have an answer, a letter, a message, or a simple justification from Capital One, nor from XXXX I only can ask to my self something .... Did they closed my account because I was paying on time and they was n't making any money out of me? Did they closed my account because I was paying some collection bills to fix my credit with the same credit card I was as well paying on time, every 15 days? 
I wish someone could give me an answer, because at the end of the day, the results of building and fixing my credit score, turns into a nightmare for me and I totally get the opposite results, because now I do n't have credit and I have to start all over again thanks to Capital One and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS XXXX I NEVER HAVE ANY CREDIT OR LOAN WITH BANK POPULAR, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

XXXX NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

XXXX XXXX XXXX NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE XXXX FIGHTING AND THEY DO N'T FIX IT. 

XXXX ON ALLY BANK I WAS ONLY XXXX TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT .... 

HOW CAN I FIX THIS PROBLEM ... ... .. 

6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY CREDIT COLLECTION COMPANY, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief