milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a XXXX day late on my credit for XX/XX/XXXX and XX/XX/XXXX I have asked them to be remove and it still has not been done yet.

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 02/21/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (NH).
Issue: Loan modification,collection,foreclosure

Complaint: 4 yrs ago I got divorced and my former wife left our condo and all contents to me, according to the decree. After contacting my mortgage company about not being able to pay my mortgage on time, they worked with me and allowed me to do a loan modification, which essentially cut my payment in half. To this day my former wife is on the mortgage. The lender, US Bank, never alerted me of a form with which to remove my former wife, known as an assumption. During the process I informed US Bank of my situation repeatedly but for some reason they did n't lead me down the road of the assumption paperwork. Now here I am 3.5 yrs later and they want me to submit financial documents as if I am applying for a loan for the first time, which of course is what I did 4 yrs ago. At that time my financials were the only ones submitted. I have been paying off the mortgage on my own, of course. I strongly believe that this all should have been taken care of 3.5 yrs ago. I believe that they are going to try and charge me 1 % of my principal balance ... .Can you help me to understand this issue because it sure seems like US Bank is in the wrong here? All I am trying to do is have my former wife taken off the mortgage ... ..

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 12/28/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My Lawyer Will File Federal Lawsuit, We Have Enough Telephone Calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was living in the townhouse, when gave month-to-month notice which was approved, then left due to being stalked by unknown person. I filed police report, however apartment complex continues to bill for what they collected from bond for apartment. My minor daughter and myself had to flee the apartment to be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Managing the loan or lease

Complaint: While searching for a loan to help my wife cover expenses for a new job I applied with LoanMe, who offered to loan the money to me. When I was contacted by telephone initially I was not ready to make a decision without giving it more thought. The company immediately began to call me multiple times a day for the next few days to convince me to take the loan. 

When I began to acquiesce to their pressure my wife was still concerned about how the interest was computed and was told simply that it would be best to pay it off early. No one mentioned while on the phone that this loan was a XXXX. 

I decided to borrow the money from them and set up automatic payments and when I decided to stop this method of payment I was once again harassed constantly by phone to continue with automatic payments. I had to fax my wishes to the company in order to make them officially accepted by LoanMe. Even then I was pressured to reestablish automatic payments with whomever I spoke on the phone from that time on. 

Over the past few months I made most of my payments on time, paying off two-thirds of the principal. The practice of calling me constantly, whether payments have been timely or not, has never abated. The company uses multiple locations and phone numbers in an effort to disguise themselves but I learned to recognize these sources and ignore the calls. 

I was infuriated to discover when I went online to check my account that I owe much more than what I have paid so far. I checked LoanMe 's website and discovered that I had made a XXXX. This term was never used by anyone from the company in my initial phone consultations or any calls that followed ; to myself or my wife. 

Now, for some reason, I am unable to access my account online with the sign in information I have used many times before. I can only assume that LoanMe has locked me out because of recent late payments. 

I wrote a letter to the company to explain to the how I felt about their predatory practices and offered to pay what I owe on the principal. They responded by letter with the details of my contract but no mention of my complaint or of my offer. They later sent a second letter offering to settle for almost double on my offer. I did not respond. 

I do not question my responsibility to pay back what I borrowed. I do question the character of the company and the method in which they pursue and catch their customers in order to make inflated profits on their financial products. I certainly feel like prey. 

I appreciate all of your efforts to help resolve the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I went to store to make purchase yesterday (XX/XX/XXXX) and found out my account was closed on XX/XX/XXXX. I have XXXX  Thankyou reward points in my account and all of them got expired after the closure of my account. All Thankyou reward points were accumulated from my daily expenses. I do not even have a chance to redeem them since I have never received any account closure notice. I called up to ask if they can reopen and they stated no and for me to re-apply. The supervisor (ID: XXXX) did not provide any solutions, and she was even impatient to tell me that if I wanted to continue to complain then go online to find their complaint department mailing address by myself! This is the first time I met such a bad attitude customer service. They did not even email/mail me anything about the closure of my account. And it did not make sense to close my account without any notice and expire all of my Thankyou points.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (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 numberXXXX, GE Capital Retail Bank.

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 08/30/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage that is serviced by Nationstar Mortgage. I requested a payoff quote from the company through XXXX/XXXX/2016, but they quoted me a payoff through XXXX/XXXX/2016. When I asked why they were charging me an extra 24 days worth of interest, they informed me that this was their standard practice, and that any overages would be sent back to me within 20 business days. My per diem interest rate is {$22.00} per day, which will result in an overage of {$530.00} ( {$22.00} x 24 days ). The sale of the property that collateralizes the loan will be finalized as of XXXX today ( XXXX/XXXX/2016 ), so the payoff request through XXXX/XXXX/16 is conservative, and already includes a cushion for any timing delays. When I provided this information to the representative that I spoke with ( XXXX ), he claimed that the practice of charging overages and refunding within 20 days is allowable under RESPA. 

I am filing this complaint because it does not seem right to me that the Lender is charging me for funds that the know full well will have to be refunded to me anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Consumer Loan (Vehicle loan) with CarMax, Inc. (FL).
Issue: Managing the loan or lease

Complaint: On XXXX 2015 I bought a Vehicle from Carmax Auto Finance. I started making the payments on XXXX 2015 and since then I have n't failed with any single payment, not even late payments as i can show from my records. Couple months a go I checked on my credit report because I want to buy a property and notice that Carmax has reported me as a 30 days delinquent since the first payment. Since then I have tried to talk with different representatives in order to solve the problem but have n't get any response yet. Some of them agreed with me that something is wrong in the account and some others just hung up on me whenever I try to talk about it. The fact of the matter is that I do n't have many accounts in my credit report and this single account has affected me dramatically. Totally unfair situation. I hope I do n't need to hire a lawyer to help me solve this issue. I need my records updated with the XXXX Credit Bureaus showing my account with no delinquency at all. I 'm able to provide all the history of payments in my account to prove it. 
I must appoint that when I first bought the vehicle i had to returned it because it was a lemon, as the sales representative from Carmax said. They then offered a different vehicle to me and we agreed on the terms of a new agreement starting with the payments in XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TENET HEALTHCARE CORPORATION (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I overlook my credit report and this item was on there, i dont think its fair to pay a bill thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Identity theft fraud credit inquiries XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX No date XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/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 explanation
Consumer complaint received 08/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Payday loan () with MARINER FINANCE, LLC (TX).
Issue: Received a loan I didn't apply for

Complaint: Today I received a check from Mariner Finance in the mail for over {$2500.00}. I have never contacted this business or requested a loan from them. Included with the check was a letter explaining that depositing or cashing the check obligated me to a loan with an APR of 32.94 % The envelope was marked " Check Enclosed Open Immediately. '' In this era of rampant identity theft, any competent thief could have intercepted this letter and cashed the check as me, theoretically obligating me to pay. I am also extremely upset that this form of advertisement is used for high interest loans, obviously intended to prey on the desperate and vulnerable in our society.

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 (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: Here I am complaining against the unfair experience from its home Mortgage in XXXX XXXX XXXX XXXX, in XXXX Arizona. 

I started the application from XXXX XXXX, with the trust for the best service from the XXXX. XXXX Mortgage bank in the country. Finally, it was the worst decision I have ever made in my life. 

The team rejected the application for the commitment in the first place just because the underwriter ignored my visa in the file. Now looking back, I shall have abandoned Wells Fargo at that moment. 

I found out reason, and ask the team to fix the mistake. Finally, commitment was issued. Shall I blame myself since I lost the commitment contingency? 

The real nightmare started from that moment. The underwriter kept asking for new stuff on the daily basis. I tried my best to cooperate and handed over the files mostly in 2 hours. But their process was so low that the seller had to grant me the extension for three times. The whole underwriting procedure was endless, with new request popped up again and again. No one gave me the firm answer about when the final approval shall be cleared, but only told me it should be good. 

On last Friday, XXXX XXXX, XXXX days behind the date of Essence, WF gave me nothing but a deny, without any reason except the number to the Customer Care XXXX XXXX. 

With the hope to change your decision, because I believe my file is stronger than most of your applicant, I dialed the number to find out the reason. I was hoping there shall be some professional staff finally reward me the justice. But after 10 hours, what I got is only two words " Unacceptable Assets ''. No further details. The fellow there performed like a recorder and only can tell me " I do n't know '' and " I can not ''. 

I felt I have been discriminated by Wells Fargo. And such unfairness has put my deal and deposit under the risk. I am suffering the financially loss and waste of my time. I will not touch Wells Fargo anymore, for both personal issue, and work purpose. I will tell everyone to get away from Wells Fargo by all means.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Vehicle loan or lease (Loan) with OpenRoad Lending (OH).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I received a pre-qualification letter stating my interest rate would be 4.99 %. I applied online with the pre-qualification code and received an email saying I was approved. No where in the email did it say that I was n't approved for the pre-qualification rate. I received an email to call in to confirm some details. Only at that point was I told the rate was different then then the pre-qualification and after I was told I was approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Went to XXXX and took out a student loan. I just found out they took out XXXX loans on me. How do I fix this. It is not fair for me to try to pay XXXX loans when I only took out XXXX. I 've called the school and Nelnet but no one wants to help me. I called a lawyer and he sent me to you. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 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: I submitted a police report, XXXX XXXX XXXX and proof of my identity to Experian to Block Fraudulent Information reporting on my credit report pursuant to FCRA Section XXXX. Experian has REFUSED and FAILED to block this information and informed me via telephone that the creditors have " verified '' these accounts as mine. This is impossible! I would like this Fraudulent information Blocked from my credit report pursuant to federal law.

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 04-07-2015 about Consumer Loan (Vehicle loan) with M. G. Credit, Inc. (FL).
Issue: Managing the loan or lease

Complaint: AutoCredit and MG Finance refuse to remove paid collection from credit report. I paid this repossession about a year after it happened. I paid a settled amount via money order. I called XXXX times to get a paid in full letter and each time I was given a different story of why the letter never came. I am a single mom and things are hard enough without having this report on my credit report every month for the last XXXX years!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax refused to provide my credit file to car dealerships on XX/XX/XXXX as requested. Why was my file blocked?

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted the agencies regarding the tax liens on my credit report. I advised of the law that was passed on XX/XX/XXXX and asked what verifying information do they have and notging has been provided.

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 02-09-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company has an account listed on my credit report, not once but TWICE for the same amount. I've had an account in good standing with XXXX for YEARS. I just recently closed my XXXX account and went to a prepaid service, in XX/XX/XXXX. Meanwhile, this fraudulent company has a XXXX account listed for {$1100.00} twice on my credit report. I've already sent in a letter and proof that this is not my account. I have not heard back and this is hindering my credit report. 

One account was last reported on last reported XX/XX/XXXX and the other on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On my Equifax Credit File : my XXXX XXXX XXXX XXXX Credit Card and XXXX XXXX XXXX Credit Card are reporting the incorrect : Date Opened. I opened both of these accounts on XX/XX/2016.They both have Date Opened dates of XXXX/XXXX/16. I have disputed this error three times with them and still know resolution. Please contact Equifax and have my Credit File updated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Credit card) with NARTEY LAW GROUP, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Nartey Law group failed to disclosed verification of a credit card debt, failed to give proper notice of a judgement XXXX county court. I XXXX XXXX XXXX was not served a notice to appear in the above court.improperly double the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX breach caused inaccurate information on my credit report sent po report XXXX violation of my cra right remove the inaccurate information

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