milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: In XX/XX/XXXX, Experian investigated my disputed item posted by XXXX XXXX XXXX and allowed XXXX XXXX XXXX to incorrectly update the account as an unpaid charge off on XX/XX/XXXX. Both XXXX XXXX XXXX and Experian knew that XXXX XXXX XXXX sold the debt to new creditor XXXX XXXX XXXX in the year of XX/XX/XXXX and that I paid the debt in full to the new creditor on XX/XX/XXXX. I have supplied both XXXX XXXX XXXX and Experian with the documentation ( attached here ) from XXXX XXXX XXXX that I paid the debt previously owned by XXXX XXXX XXXX in full on XX/XX/XXXX.

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 11-09-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax lowered my credit score by XXXX points in seven days. I tried to contact Equifax but was sent on a wild goose XXXX for over an hour, with no answers. 
No apparent change to my report. Other reporting agencies did not lower my score. 
I have been working to raise my score for a mortgage and do not need their crazy reporting PLease help

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XX/XX/XXXX amount  XXXX , I was made a dispute at  XX/XX/XXXX , cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account number XXXX ,   XXXX   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I contact ed Wells Fargo  Card Services, Credit Bureau  Disputes Division , via phone #  XXXX  and fax #  XXXX  to report that an account I voluntarily closed in  XXXX  had been deleted from my files with the CRAs. I am attaching copies of my letters and other documents provided t o WF. Sinc e the loan was not in a derogatory status when we paid it off, I expected the record to continue reporting until  XXXX . On contacting the CRAs, I was told th at Wells Fargo instr ucted them to delete the record. I conclude that WF mistakenly instructed the CRAs to delete the credit item after I asked the bank to remove only an invalid remark on my credit reports stating this loan was in dispute.   Prior to the improper deletion, this account positively impacted my credit scores because of its age and positive payment history, and its deletion helped to lower my credit scores. My wife and I opened the join t LOC i n  XXXX   XXXX  ; it was always paid on time, and the account was in a positive status when we voluntarily closed the account around  XXXX   XXXX .   For ov er 6 week s in  XXXX  and  XXXX  I worked tirelessly wi th Wells    Fargo to attempt to get the item back on my credit reports. I made multiple phone calls and also wrote to the bank providing an old   credit report that showed a truncated loan number.  XXXX   XXXX   XXXX , a  Wells Fargo employee at the banks credit card executive office calle d me around  XXXX   XXXX  to state that I must provide a " complete loan number as their records for this account were no longer available .... and without a complete loan number she could not assist me any further .... '' For reference, the rep provided a case number,  XXXX , for my use in making future inquiries on this matter.   I can not locate the old statements for this loan and I am puzzled and frustrated as to how the history of my loan with the bank can be unavailable after just a year of the account being closed. Furthermore, the historical record for this loan is still reporting accurately on my spouse 's credit report.   It is my opinion that WF does not appreciate the importance of this matter to me and is not doing as much as it can. Please assist me in getting a prompt resolution to this matter. I am working diligently to rebuild my credit history and removal of this long-standing and positive credit record has had significant negative impact. If I should contact the FTC instead, please let me know. Thank you kindly!

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 12/30/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Today XXXX XXXX, 2016 ; I received correspondence from XXXX XXXX and Wells Fargo detailing my payment history which is attached in the scan. The only payment that Wells Fargo failed to report is the XXXX made via telephone directly from my account XXXX XXXX XXXX, to Wells Fargo. Which is listed in my scan and taken by XXXX XXXX. ( XXXX assistant ). That payment covered the XXXX payment and is current and up to date, the only payment due is my XXXX payment. It is troubling that with the evidence of paid payments and history. Wells Fargo continues to deny that an error was made, the only way to move forward from the XXXX rating Wells Fargo currently holds, is to atone for the past mistakes, fraudulent banking practices and mis-applied funds, made to thousands of customers of Wells Fargo. Additionally, by Wells Fargo reporting my mortgage payments as late or unapplied, this practice had led to a drop in my credit score and refinancing. The fact that Wells Fargo refuses to report my loan to the credit bureaus, due to Wells Fargo not re-affirming the loan to my then attorney XXXX Law Office. This practice of not reporting my loan, by the way was not mentioned in the package sent to my home on XXXX XXXX, 2016. If you need confirmation as to the re-affirmation documents not provided to the courts, feel free to contact XXXX Law Offices and speak directly to XXXX XXXX at XXXX XXXX XXXX XXXX. He will gladly provide the information and explanation in depth, due to my obtaining the paperwork directly from his offices as requested by Wells Fargo. This matter is of the utmost importance and requesting a full investigation. As I have stated before, this is not the fault of anyone else except the shoddy and incomprehensible bank practices of Wells Fargo.

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 12/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I believe that I was a victim of the " inquiry issue ''. When I called in the gentleman in customer service was very rude. I asked to be transferred to a XXXX rep and he refused. I received no help from the rep to resolve my issue. I just want these inquires removed from my report ASAP! 

Ally Financial ( XXXX inquires XXXX American XXXX XXXX XXXX ( XXXX inquires ) suntrust Cci/ppc XXXX bank ( XXXX inquires ) Citizens XXXX auto Consumer Portolio Credo First investors XXXX XXXX XXXX cars

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had several fraudulent and duplicate inquiries that were removed from my Transunion credit report. After the company had a glitch in their system, several of these inquires were reinserted back on my credit. I have contacted Transunion on several different occasions to have these inquired removed. The representatives refuse to assist in this matter. I have talked with supervisors on two occasions, as well, with no resolution. These inquiries were once deleted and a fraud alert was applied to my credit report. I never received written notification that these inquiries were added back on my report, which in violation of Sec 611 of Fair Reporting Credit Act. I am currently in the home buying process and these inquires have caused a decrease in my credit score.

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 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 1. Obtained a loan for a new car in XX/XX/XXXX with XXXX XXXX XXXX. 2. In XX/XX/XXXX, the dealership was interested in buying the car, since I did n't use very much, I decided to sell it to them. 3. In the three years i had the car, i paid my loan via bank draft and was never late. 4. In XX/XX/XXXX, i called and got a payoff for the loan. 5. XX/XX/XXXX I went to XXXX XXXX and they made an offer to purchase my car. They requested a payoff from XXXX as well for the car ( document attached ) 6. A check was sent to XXXX XXXX in the amount of {$21000.00} from XXXX XXXX on XX/XX/XXXX 7. OnXX/XX/XXXX the XXXX auto deposited the check and it cleared the bank ( dealer check attached ) 8. I received a notice from XXXX thanking me form business and telling me account was no closed. ( document attached ) 9. On XX/XX/XXXX, XXXX XXXX received clear title to my car from XXXX and I received a check for my equity in the car. 10. On XX/XX/XXXX, I received a phone from XXXX, telling me that I owed some {$1800.00} dollars on this account. There were no specifics, just that I owed money and that the account was going be opened back up. 11. I placed over 15 phone calls to XXXX between XX/XX/XXXX and XX/XX/XXXX asking for a written statement of how I owed this money when XXXX had clearly given a payoff and lien release on my car. 12. Over the course of three months ( XX/XX/XXXX to XX/XX/XXXX ) i was told numerous reasons " Why '' i owed this money but was urged not to question and pay OR I my credit would be " ruined '' On rep even told me that the dealers check bounced. I knew there were serious issues at this point, when clearly this had not been the case. 13. XXXX began to mark my credit report falsely and incorrectly with the Credit Bureau Experian between XX/XX/XXXX and XX/XX/XXXXXXXX ( reports attached ) It went from owing a past due amount of {$1600.00} to a 30 day past due of {$640.00}, this was well over 60 days after they recieved full payment for the car. 14. i worked with XXXX corp office, filing a complaint and ask that they rectify this matter, providing all documentation and they refused. 15. In XX/XX/XXXX they marked reported " ChargeOff '' on my account to the credit bureau. This account is still being reported as PAID, last reported deliquencies XX/XX/XXXX This sent my credit score down almost 100 points, I am having to pay really high interest on a car loan as a result of this error. I feel that i have exhausted all avenues trying to remedy this matter. You are my last resort. This is clearly an error that XXXX is not willing to remedy. It is my hope that you will be able to assist.

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 05/13/2015 about Student loan (Non-federal student loan) with NELNET, INC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loans have been sold/transferred to different servicers several times. The student loan servicing industry is broken - each time the loans are sold, data and information is lost. My current servicers can not even provide me with complete and adequate data to confirm payment history, principal amount, interest rate, incentives. ( XXXX of my prior student loan servicers are now out of business due to fraud and other violations that forced them out of business - and they can not be contacted or left any records either ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (GA).
Issue: Trouble during payment process

Complaint: I refinanced my home with another lender in XXXX XXXX. It is now XXXX XXXX and I have yet to receive my {$3000.00} escrow refund. 
Account XXXX was paid in full on XXXX/XXXX/XXXX. LoanCare , LLC released my property tax escrow in the amount of {$3000.00} to my tax office on XXXX/XXXX/XXXX. The tax bill was already paid by the new lender upon receipt of the LoanCare payment on XXXX/XXXX/XXXX. XXXX XXXX XXXX office returned the payment to XXXX XXXX on XXXX/XXXX/XXXX. I have made several phone calls, emails to the company to inquire about the delayed processing. I 've gotten the run around since XXXX, being promised escalations and rush on the return to no avail. I have spoken to supervisor XXXX XXXX on 2 occasions, only promised that the check should be mailed soon. My online account shows the contractor returned the check to LoanCare LLC on XXXX/XXXX/XXXX and there has been no further processing as I spoke to a customer service rep, XXXX # XXXX today. She assured me that no one was trying to " keep my money '' only to return to the line with her humblest apologies as the delay is duely noted in my file. I would assume the company is well beyond their legal limit to refund my escrow overpayment. 

I am a single mother and my children are still awaiting their delayed XXXX gifts that were promised to them as I was unable to afford anything due to being over {$3000.00} in arrears due to this fiasco. And now they have birthdays coming up, and I will have nothing for them, yet again. I am unable to make this month 's mortgage payment for my home as I have maxed out all of my lines of credit trying to compensate for the missing funds over the last 3 months. LoanCare does not seem to have a good system in place with their tax contractor XXXX, as they held my funds for over 6 weeks and not a single soul at LoanCare could provide me with an update despite their self admittance of several attempts to follow up with XXXX about the returned check. Furthermore, it is not the problem of the customer that your contractor is ill equipped to handle refunds in an appropriate time frame. I am so glad this company is no longer servicing my loan and I would not recommend anyone to finance with them.

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 06/23/2017 about Money transfer, virtual currency, or money service (Check cashing service) with Amscot Corporation (FL).
Issue: Confusing or missing disclosures

Complaint: I went into Amscot Financial Services to cash an personal check. I was surprised they do not have restrooms for customer. And they are open 24 hours I spoke with XXXX supervisor on duty at amscot XXXX  location she said to call corporate at an XXXX number. I then proceeded to cash an personal check. And a teller at the window ask me a line of questions. If this is an payroll check, Do you work for that person, what is the phone number for the person who wrote the check. I said it is not my information to give out. He did not cash the check.i called the corporate office and spoke with XXXX who is the supervisor on duty .I addressed the restroom issue.and she looked up the reason why the check was not cashed she said because of contact information no phone number. I said her contact is her mailing address on the top right of the check. That was not satisfactory for Amscot in result i did not get the check cashed, also XXXX said XXXX XXXX XXXX did not have restrooms for costumer. which is not true. Completely unprofessional. And uncalled for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Medical) with North American Credit Services (AK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Had previously reported personal identity theft to FTC. Personal information was used to purport a false medical claim against my credit resulting in a lower credit score. I did a search for the collection company, North American XXXX XXXX, which only resulted in a private XXXX page. Then did a search with the given #, XXXX XXXX XXXX XXXX, resulting in a list of consumer complaints - this same # posing as a telemarketer, a collection company and also a warranty service. Checked the BBB page which stated the company was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Bank account or service (Other bank product/service) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Deposits and withdrawals

Complaint: My guest trailer/camper burned down XXXX 2014. Insurance paid out XXXX dollars. I have spent about {$60000.00} in clearing, demolition, and rebuilding to date. SPS my mortgage lender has paid out {$29000.00}. 
Now the County has tagged my property for various violations and the DA is threatening Jail time if violations are not fixed in a timely manner. I have reported this to SPS and filed all paper work for proper reimbursement. How ever SPS has been stalling for the last two months and I could end up in jail. 
Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Consumer Loan (Installment loan) with Atlanticus Services Corporation (TN).
Issue: Taking out the loan or lease

Complaint: At the end of XXXX, 2016 I purchased a XXXX and signed up for the promotional financing of 12 months same as cash through Fortiva XXXX XXXX. I was looking at my statement today and it stated " Deferred Interest Charge Calculation '' and showed a timeframe of 6 months. I called customer service and they indicated I had signed up for the 6 months same as cash. I told them that the promotion XXXX was running at that time and still today was 12 months same as cash. The customer service rep stated she was sorry but that was not what I signed up for. She indicated someone would contact me within 10 days. 
I looked on the website again today XXXX XXXX and all over it states 12 months same as cash in nice big letters. The only thing I found referencing 6 months was in small print at the bottom ( copied below ). If the offer is either 6 months or 12 months same as cash, it should be stated somewhere besides the small print at the bottom of the page and really, this does n't say the offer is for 6 months, it just states " within XXXX or 12 months as applicable. '' I would assume 6 months is not applicable for this offer since nowhere else does it state 6 months same as cash. 

*subject to credit approval. Deferred interest means that if you fail to pay your purchase in full within the promotional period, then the interest accrued on such purchases From the date of purchase through the end of the promotional period will be added to your account. To avoid paying the deferred interest charges, you must ( a ) pay the Promotional purchase in full within XXXX or 12 months, as applicable and ( b ) make all required minimum monthly payments on time. Making only required minimum monthly payments will not Pay off your promotional purchase before the end of the XXXX or 12 months, as applicable promotional period. See credit agreement for full terms and conditions. Fortiva XXXX Credit lines of credit are issued by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, Member FDIC. 

If you do not pay off your purchase within the allotted timeframe, you must pay back the entire purchase plus interest from the beginning. I understood this but felt 12 months was a reasonable timeframe and calculated that if I made a {$250.00} payment each month I would have it paid out. {$500.00} a month however, it is not reasonable for me and had I understood this was only for 6 months I would have utilize a card I already had with a lower interest rate, as this XXXX is 26.9 % if applied to the balance. It seems to me this is a bait and switch tactic ; advertise for 12 months and then only provide for 6 months. If the consumer does not notice, they will have to pay the interest on the entire balance and will probably give up fighting so as not to mess up their credit report. Again, NO WHERE does the XXXX site indicate the possibility of XXXX promotions ( 6 months or 12 months ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/31/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Once again Ocwen Loan Servicing is failing to apply my payments to my account correctly. In XX/XX/XXXX I filled a complaint to your department against Ocwen, and they sent you 're a copy of my Deed of Trust, and other that did not pertain to the nature of my complaint. In late XX/XX/XXXX your department fined Ocwen for a lot of servicing violations, but I am here to file another complaint because Ocwen is up to their old tricks again. 
On XX/XX/XXXX, I received a notice from my Chapter XXXX trustee because I was near the end of my Chapter XXXX. The letter from Ocwen 's attorney stated that I was contractually due for my XX/XX/XXXX and XX/XX/XXXX payments in the amount of {$3600.00}. They also showed a suspense balance of {$470.00} which reduced the amount that I allegedly owed to {$3100.00}. 
I immediately paid the amount of {$3100.00} to Ocwen, and Ocwen accepted the payment. Afew weeks later I called Ocwen to follow up to see if I was contractually caught up as the attorney letter stated, and I was informed that I was past due for {$470.00}. I contacted their Officer of the Consumer Ombudsman, and asked them to look into the matter. 
I was contacted back by XXXX XXXX who informed me that Ocwen had no record of a letter sent to me by their attorney, and that I was still past due for the {$470.00} to bring me contractually current. I am attaching a copy of the letter from the attorney. Once again Ocwen is up to their old tricks. I have the document why do n't they have it.

Company response to consumer: Closed with explanation