milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: All I am asking is that Equifax kindly have my new address ( not new anymore ) inputted into the system and continue my security freeze which I am entitled to according to OR laws surrounding this issue. My complaint is I have not been able to lift this freeze on my own. The automated system will NOT allow me to do it. I have been denied credit because I can not lift the freeze. Equifax has told me in the past they will remove the security freeze, but that 's not what I 'm asking for. I 'm asking for 1. your records to match my actual address 2. I have a password that will work when I call to lift the freeze on my own and 3. that the security freeze REMAIN on my file.
Eqifax responded to my most recent complaint by merely removing my security freeze. This brings me back to step one ;  something I completed with all XXXX reporting agencies two years ago ; Equifax is the only one I 'm still fighting with. I  am protected by Oregon law. I had a security breach in XXXX, NV dated XX/XX/XXXX. I merely MOVED to OR, and have not been able to access Equifax credit after sending in a copy of this police report, my OR DL, a billing statement to prove my address in to Equifax. Since then I have attempted to write, call, include other agencies, all but taking legal action which is the next step as Eq has given me no other choice ; for whatever reasons my issue is still NOT resolved. Equifax, is this truly how difficult it is to have something so very simple taken care of? I am baffled. Like I said, you sent the attached letter to me over a year ago, verbatim. I have n't lived at that address since XX/XX/XXXX. I do n't understand why it 's taken so much time and energy, and it is still not fixed. Can someone with actual authority tell me? Furthermore you informed CFPB in response to my last complaint that you mailed a complimentary credit report. I never received it ; just the attached letter stating you have finally updated my records. PLEASE fix this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I have tried to place a freeze on my credit four times now using the Experian website on this day XXXX/2017. Each time they have declined my request and told me to send them something by mail. I can not find a customer support line to resolve this issue. Considering the XXXX breach, I would think being able to place a credit freeze would be simple enough. Both XXXX and XXXX have allowed me to do so without much hassle.

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
Consumer complaint received 06/24/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Taking out the loan or lease

Complaint: I have paid off my auto loan but on my credit report it shows I still owe {$15000.00}. That is so untrue and my credit report needs to reflect that the account has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: XXXX XXXX, 2017 To whom it may concern : My name is XXXX XXXX XXXX and I am currently living at the address XXXX XXXX XXXX XXXX, ca XXXX. I have been corresponding with Ocwen customer care, retention specialist, retention manager, and two escalating managers since XXXX of 2017 to pay my mortgage and become current. In addition to the run around I am fighting a terminal illness and asked Ocwen for help and they have ignored all of my calls for help or assitance in resolving this matter. 

My first correspondence started on XXXX XXXX, 2017 regarding the first wire transfer for XXXX. I was made aware on XXXX XXXX that I needed to recall the funds and change the beneficiary information. The information was verbally given to my banking institution XXXX XXXX XXXX XXXX from the Ocwen associate on the phone on XXXX XXXX, 2017. 

I have been corresponding back and forth since XXXX trying to get the XXXX returned or applied to my account. I have sent my bank statement and two wire transfer receipt with no resolution. I was made aware today that I have a sale date fastly approaching on XXXX XXXX, 2017. I need the XXXX to be applied or returned immediately to avoid me losing my property and my only place of residence. 

Today I am sending the documentation from the bank wire transfers and documentation from my bank on the bank wire recall attempts and wire transfers ignored by Ocwen. Ocwen has refused to release the money back to my account at XXXX XXXX XXXX XXXX. In addition I am also forwarding the XXXX bank statement showing the XXXX was never put back into my account since being resent on XXXX XXXX, XXXX per documentation from XXXX XXXX XXXX XXXX. Also, there is an official letter from my bank confirming the wire transfers and the several recall attempts. 

I would like to have something back in writing in response to this letter. I am currently sending a copy of this letter to my personal real estate law

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Payoff process

Complaint: I called in to make a payment on my credit card and used the option to pay the entire balance due. This was on XXXX XXXX and my bill was due XXXX XXXX. I received a bill in the mail on XXXX XXXX saying that I owed interest of {$2.00}. How can i owe interest if I paid the entire balanxe due? When I called in they told me that the statement closing date and the due date were different and I was charged interest based on the statement closing date. They said it was my fault and when I asked if I would be charged interest again in XXXX I was told yes.

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 12/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: This is yet another complaint against Ocwen, XXXX XXXX XXXX XXXX and the law firm of XXXX XXXX XXXX. Because of Ocwen 's unwillingness to settle this issue and demand a refund from my XXXX. for money Ocwen illegally paid my XXXX. XXXX XXXX XXXX XXXX. from a bogus and possible illegal invoice from XXXX XXXX XXXX XXXX. - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. has foreclosed on my condo. The sale of which is to take place on XXXX XXXX, 2016. This needs to be stopped. My lawsuit against Ocwen, XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX has not even been tried yet. Again, I believe that they are all in collusion together. I also believe that XXXX & XXXX XXXX be miss reprsenting the XXXX. This has got to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (VA mortgage) with AmeriHome Mortgage Company, LLC (DC).
Issue: Trouble during payment process

Complaint: I submitted a complaint  ( Case nu mber :  XXXX  ) regarding non-payment of property taxes from escrow account. AmeriHome responded and said they had paid taxes. They paid taxes to parcel #  XXXX  which is the WRONG parcel # AGAIN. I had sent copies of tax bill clearly stating that the parcel # was  XXXX . I want the taxes paid and acknowledge their mistake. Taxes must be paid by Friday

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 04/16/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/2016 my son 's computer was taken over by hackers. They were in the computer that why his IP address was on all the fraud charges. They ( the hackers ) were in his computer and his accounts. 
The very same day he had bought an item on line for {$40.00} and he used XXXX but the underlying credit card was a Citicard. You will see when he was hacked on XX/XX/2016 the charges were about {$2800.00}. All the charges had been reversed by Citicards. 
This one merchant filed paperwork with XXXX and provided fake paperwork that showed that the merchandise was delivered between XXXX-XXXX on XX/XX/2016 to our house. When XXXX received the information from the merchant they went ahead and charged my son 's account on his Citicredit again. 
Citicards refunded the charge for {$40.00} that was a charge that was made by my son. Every time I spoke to them I was told that the refund had been made. They keep insisting that the {$40.00} is a correct refund. The {$40.00} has nothing to do with the fraud that we are trying to have corrected. 
My son works at XXXX as a loader. He clears about {$300.00} in a good week. He is a part time worker. He has no need for Bitcoins. That what the merchandise turned out to be. 
My son XXXX card was also hacked for about {$1500.00}. XXXX credited the account in a timely matter. The hackers also cleaned out his checking account and he was under water for about {$5000.00}. We had this money restored by XXXX within a few days. 
It was a major hack that involved XXXX credit cards and a checking account.

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 03/29/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted Equifax in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for three procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. Equifax must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A collection agency claims that I owe them {$230.00} ( medical bill ) and it 's effecting my equifax score. I 've never received any kind of bill, mail, or emails in regards to me owing money to them. I 'm trying to find out who gave it to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: After numerous disputes between XXXX and XXXX of an alleged missed auto loan payments dating from XXXX with XXXX XXXX XXXX XXXX ( WFDS ), and recorded with Equifax, XXXX, and XXXX XXXX CRA 's XXXX, I sent a series of letters to XXXX from XXXX to XXXX demanding under XXXX XXXX XXXX and FDCPA XXXX ( XXXX ) ( XXXX ) ( XXXX ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. XXXX and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against XXXX in XXXX to force it to delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. XXXX subsequently lost this case on XXXX/XXXX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for XXXX in XXXX, NC, its Credit Bureau XXXX XXXX XXXX, as well as each CRA on XXXX/XXXX/XXXX. XXXX has subsequently deleted the record. However, Equifax and XXXX have not. I received a response from the XXXX Credit Bureau XXXX XXXX XXXX dated XXXX/XXXX/XXXX that stated, " The record was verified. '' Both Equifax and XXXX claim the same statement in spite of receiving court documents requiring the record be deleted. XXXX has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX XXXX XXXX XXXX -- period!

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

Complaint: Upon entering required information into the web form on Equifax 's site ( https : //www.equifaxsecurity2017.comXXXX ) in order to determine if my personal information ( including my birth date, social security number, etc. ) was stolen by the massive hack that allowed the stealing of about 143 million U.S. customers of the credit reporting agency, the below message was displayed : " Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am extremely worried about what will be done with my personal information that was stolen. 

I have since placed an initial 90 day fraud alert on my file, today ( X/X/2017 at approximately XXXX XXXX  MST.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I received a copy of my credit report and noticed that TransUnion was reporting tax liens. I then sent dispute letters to TransUnion to get verification of these tax liens that are showing on my credit report. I received letters back from Transunion stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA , sec 611 ( a ) ( 6 ) and ( 7 ) I have th e right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien. They have not provided the method of verification.

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 05/18/2015 about Debt collection (I do not know) with Alpha Recovery Corp (WI).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I received harassing voice mails on my cell phone and office phone on XXXX XXXX, 2015. Immediately afterward, I looked up the caller ID and traced it to a debt collection agency. I emailed the customer contact listed on their website with a written cease of communication notice. On XXXX XXXX, 2015, the caller again reached out to me on my cell phone and on my office phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2015 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My Home equity line of credit matured a little over 2 years ago. I have asked numerous times for the bank to term out the balance so i could pay them back over a period of time understanding that i would pay principal and interest. I continued to make payments for approximately 2 years. My payments are almost always on time or before the due date. 
About 3 months ago they started sending back my payments and sent me a letter saying my only option was to pay off the balance in full at this time. I asked for the balance and payoff and it seemed reasonable since i had continued to make payments in amounts greater than the interest monthly that showed on my statements. Now they send me a balance owed of over {$10000.00} in additional interest and the principal balance that appears to be that which it was more than 2 years ago??? I can not reach a manager to get any explanation of how this could be nor can i get anyone to agree to term out my payments of principal and interest once i get an agreement on the correct balance owed??? Please help me get to someone who can answer these questions and clearly discuss my option to repay this within my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (CO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I went to pay my bill at the office of this company the day that it was due but the office was closed so I was unable to make the payment. I paid it the next day at their office because their website was unavailable to me to use and they reported m e 30 days late when it was only 1 day late   and it was only because their office was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to short sell my home, my servicer is Select Portfolio Services ( SPS ) the servicer sent an FHA appraiser to my home and the result was the retail value of my home is {$150000.00} I have a contract for sale for {$150000.00}, that 's {$5000.00} more then the retail value of my home, In short selling my home i was hoping to receive the {$1000000.00} relocation money to move. however the servicer told my Realtor that I would get any relocation money because i have Mortgage Insurance on the loan. They denied the short sale and gave no reason they just stated " that this option is not available at this time ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I have previously disputed this item and asked for verifiable proof and company has failed to provide of debt. The name of the company is  XXXX   XXXX   XXXX   2017  in the amoint of {$150.00}. Can you please help me to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have filed numerous disputes with all XXXX credit bureaus about information on my report, either too old, closed/pay as agreed, or insurance company paid bill. They have refused to investigate or remove the items from my reports. 

In XXXX, for example, I had a work related injury. I had to file a worker 's compensation suit against my employer 's insurance company. After the judge awarded me both financial and medical compensation, my attorney advised all medical bills be paid by their insurance company. There are at least XXXX items still showing on my reports that were never taken off from that injury and the judge 's decision. 

I have contacted Transunion, XXXX, and XXXX about these reports and not one of them had even investigated these. They are refusing to delete any reports and refusing to investigate said disputes. I filed the disputes not long after the judge 's decision in XXXX, but they are still there showing unpaid/collections with the remark " consumer disputes ''

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
Consumer complaint received 07/28/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continued phone calls does not leave a message and when I answer they hang up. If you goes to voice mail they leave a message and no one talks.

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 07/13/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer has repeatedly sent me notices to foreclose indicating I have not sent in payments, even when I have faxed proof of the payments directly from my banking institution. Their failure to appropriately apply my mortgage payments has caused the notices to be sent. I have been sent multiple notices to foreclose this year. I have given Carrington the proof they have required each time-copies of canceled checks and letters from my bank documenting the payments being deducted from my account.

Company response to consumer: Closed with explanation