milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (OR).
Issue: Trouble during payment process

Complaint: My loan was sold by XXXX XXXX to M & T Bank during the month of XX/XX/XXXX. A mortgage payment was processed by XXXX in the month of XXXX. M & T claims I did not make my XXXX payment so they contacted me to rectify. I agreed to process a 2nd XXXX payment to M & T while XXXX researched my XXXX payment intended to be forwarded to M & T. 
That 2nd XXXX payment was inaccurately processed due to a communication issue between myself and the M & T rep. No further communication has been received by self from M & T indicating my 2nd attempted XXXX payment was not properly processed. M & T then reported a late payment to the Credit bureus. I contacted the M & T call center and spoke with sitting supervisor. He was not helpful and stated the late payment is solely my fault and was not willing to resolve the inaccurately reported late payment. His name is XXXX and his number is XXXX XXXX XXXX. I have a letter from M & T thanking me for my XXXX payment.

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 02-05-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: At the beginning I thought this was fraud and I was suspecting that people were used my credit card for purchasing airline tickets, and I have reported, I learned that I was charged more XXXX time by XXXX XXXX when I purchased an airline tickets, secondly, I also learned that both credit cards that I had were also charged for the same airlines tickets, thirdly, some of purchase were not even authorized by me, and XXXX XXXX charged me many times, and some of the charges they even make sense because it would show that I purchase XXXX tickets for traveling to different places using someone 's name. I was not aware of this, until XXXX when I received a letter from XXXX XXXX insurance company stating that I had an insurance refund that I needed to claim for XXXX and XXXX. I have enclosed a letter and other papers showing all charges that where done by XXXX XXXX. I could n't attach all documents and I will be able to send my mail. 
Thank you for helping.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was on the Income Base Repayment Plan ... my monthly payment was {$69.00}. After reapplying for the IBRP my payment increased to {$230.00} ... as a teacher this new payment was not in my budget. I could not make the payment the first month ... when I called to ask about why the payment increase I was told that in order to avoid being sent to collections that a forbearance was my only option. My balance was finally below {$100000.00} prior to this phone call ... I received the new document outlining the new terms and was absolutely astonished to see that they added {$47000.00} increasing the balance to {$140000.00}. It is outrageous that XXXX missed payment of {$230.00} would end up costing me {$49000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with Google Compare Credit Cards Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX HAS BEEN CALLING REPEATEDLY FROM RANDOM NUMBERS ATTEMPTING TO MAKE ME PAY FOR SERVICES THAT WERE NEVER RENDERED BY THE COMPANY. THE NUMBERS HAVE BEEN ADDED TO A BLOCK LIST BY THE CELL PHONE PROVIDER BUT THE NUMBER CONTINUE TO CHANGE AND IT IS IMPOSSIBLE TO BLOCK ALL OF THE NUMBERS THAT ARE BEING USED BY XXXX WHEN THEY ARE CALLING INTO 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 08/27/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Using a debit or ATM card

Complaint: My son, was staying with me temporarily after his XXXX. He was also in a XXXX doing very well, ( I thought ). A couple of times I let him use my debit card, I was ill, but I always changed the pin # afterwards. But this time he found my new pin # and card and used the ATM to access approx {$570.00} from different atms, in increments of {$60.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, plus overdraft charges. Some more overdrafts charges since I have typed this complaint. If i have not made a deposit by a certain date, I am charged a extended overdraft charge. I just keep getting in more and more debt. My record with firstmerit has always been good to excellent. I recently paid of {$3500.00}, owing 1stmerit {$20000.00} of this amt. I paid the off in 5 years, which I could have just filed bankrupcy, never late in payments. Firstmerit have made mistakes on my mortage payments. 
paying home insurance to XXXX different cos for a year. Could have used that money ( XXXX ) they did pay me back. I have all my bills automatic debited. I have been trying to call them all to not submit the payments now. As of now my acct is over {$1000.00} in deficit and keeps going up and up. 
Right now my son is no longer with me. He 's staying at homeless shelter. I try to remember hes has a sickness. I do know that I have a hard time remembering pin numbers and afer I received a new pin # I misplaced within 24 hours. The customer serv said I do not have to have pin # inorder to use the card. Thats what I intend to do, not use a pin #, much safer. Now, I cant say for sure that I misplaced Pin # or he found it. I have decided to not use a pin # at all. I know I do forget my pin # or misplace it. 
Thanks for your help. I dont get another chk until XXXX/XXXX/15. The overdrafts will take up all ( XXXX ) deposit. More overdrafts charges. 
I 'm retired on a fixed income. 
Thanks good bye

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Biehl & Biehl, Inc (NV).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The debt collections person called me and yelled at me telling me that I am a terrible person and that she did n't have to treat me politely and respectfully, because I owe money. She repeatedly harassed me telling me that she 's here to collect a debt from a person who is less than honest and not worthy of respect and that I should just shut up and pay the money. 

After 20min of asking her to please be polite and treat me with respect she told me that she was n't interested in treating me right and had the right to treat me like I am beneath her. She would n't refer me to a supervisor until I repeatedly asked her again and again and after she finally referred me over she muttered several expletives as she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Checking or savings account (Checking account) with PNC Bank N.A. (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I have a smart access checking account with PNC BANK. There was fraud committed on my account. I noticed unauthorized charges on my account. I called and spoke with a PNC agent and we deactivated my debit card and a new one was issued. I received my new card XX/XX/ and activated it. Today XX/XX/ I find out that PNC BANK closed my smart access account. I did not authorized PNC to close my account. I was not even notified by PNC that they closed my account. I had a direct deposit that went through to my account XX/XX/. I went to check my account balance and found out the account was closed. I spoke with a PNC agent named XXXX ( XXXX ) and he was very rude and didn't offer me and insight as to why the account was closed. I cant help but feel PNC BANK is penalizing me for my account being compromised. Now the direct deposit I was expecting is in limbo and I have no money to be able to get through the week. PNC is costing me my job. I needed that money to get bank and forth to work as well as other necessities. PNC bank has cost me more than they will ever know!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech financial recently purchased my home loan. Since then, they regularly misapply my principal prepayments to future interest or future payments. This practice is in direct contravention of my loan terms which expressly state that " the NoteHolder will use my Prepayments to reduce the amount of Principal that I owe under this note. '' Ditech has not followed these loan terms, and instead continues to apply my prepayments to future interest and future payments, resulting in my loan balance not decreasing as fast it otherwise would, and more accrued interest than otherwise would occur. I have complained to Ditech three times about their misapplication of my payments. The first time I complained they fixed the problem without admitting any fault. They have completely ignored my second and third complaints. Thus, I am writing to you in the hopes that you will be able to get their attention. I am also considering legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted them to remove multiple accounts from my credit report and they have not yet. It has been over the time limit and they still refuse to remove them. There are accounts on my report that are from XXXX, and the dates on some of them say the last payments were made in XXXX and that is not correct. I only used these cards for a year at the most which would make them closed in XXXX. And that would mean they are XXXX years old. And I do not know why they changed the dates to XXXX, maybe to keep them on my report longer, but that still would make it XXXX years on my report even if it was from XXXX. 
The accounts are XXXX XXXX XXXX credit card accounts, XXXX household bank credit card accounts, an express account, an old XXXX 's XXXX account ( not the new XXXX ). And XXXX or XXXX other ones. I think the total is XXXX accounts that are supposed to not be on there and I 've asked numerous times for them to remove them without any luck. 
Please can you assist me in having them remove this from my report? 
Thanks XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have a bill on my credit report that has been shared in collections with a third party agency. I know for a fact this bill is well over seven years old and the amount is way over the actual bill can you please help me.

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 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently got calls from 2 credit card companies, one from XXXX, the other XXXX XXXX  XXXX XXXX, that I have applied credit card which I did not. I was confident that someone is applying the card on my name. I started to visit 3 major credit company websites ( Experian, XXXX, XXXX  ) to place credit freeze on, only to find out that there's obvious way to just freeze my credit. instead I am directed to buy their $ XXXX {$30.00} per month protection bundle services individually. I know that my credit information is compromised due to XXXX data leak in 2017 and I was able to put credit freeze on this for free at least, but the rest of the other bureaus are trying to capitalize on the information leak from other bu

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 10/29/2016 about Student loan (Non-federal student loan) with ECMC Group, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: ECMC IS WRONGFULLY REPORTING MY STUDENT LOANS ON MY CREDIT REPORT AND IS REFUSING TO CORRECT THE NEGATIVE STATUS. THESE ARE PAID IN FULL IN GOOD STANDING LOANS BUT REPORTING AS NEGATIVE AND MULTIPLE TIMES HURTING MY CREDIT IN A MAJOR WAY. MY NUMEROUS ATTEMPTS TO CONTACT ECMC WENT INGNORED AND THEY ARE CONTINUING TO WRONGFULLY AND NEGATIVELY REPORT THESE ACCOUNTS! 



1 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 2 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 3 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 4 ) ECMC Acct # : XXXX Credit Limit : XXXX XXXX XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00}

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 03/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There are addresses dates and phone numbers on file are not mine I have a rental agreement from 2009 till present that shows that I did not live in these places those years

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 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX This account was closed in XXXX of XXXX. 
1. The Pay Status is Inaccurate, it should be Paid/Closed and XXXX Balance - it appears OPEN, Current and as if I am paying as agreed. 
2. It was updated in XXXX, but should not have been possible - because - its closed and has no balance or activity. 
3. Is has Payment History Data for times, when the account had been CLOSED a. This account was opened in XXXX, and Closed in XXXX is showing 4. Is has Balance History Data for times, when the account had been CLOSED a. This account was opened in XXXX, and Closed in XXXX is showing b. Have erroneous comments, when this account has been closed for almost a year.

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX did a hard inquiry on XXXX XXXX, XXXX. I never talked to or requested information from XXXX. No contact information has been reported by this creditor. I need this taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am very upset to find a collection item on my credit report for a debt I never owed ... 
My application for a credit card could not be approved due to a " derogatory public record or collection filed. '' Knowing I have always payed my bills on time, I immediately requested a copy of my credit report, and was shocked to see an item from " Rent Recover LLC '' collecting {$130.00} on behalf of " XXXX. '' It says collection as of XXXX 2015 to XXXX 2015. My husband and I moved out of XXXX back in summer 2014, amicably, with all rent paid and unit thoroughly cleaned. We never received any further communications from XXXX XXXX. Our new apartment complex has even told us that XXXX XXXX reports our account as paid in full. So why is " Rent Recover LLC '' reporting to the credit agencies, having never tried to collect from us, and for a company who never tried to/has no reason to collect from us?! 

How do we best proceed to get this off our credit reports? 

As XXXX working people with great income, {$130.00} would be no skin off our backs ( would have easily paid if we ever received a bill from/actually owed {$130.00} to XXXX XXXX! ) But with how the credit reporting works, we 're afraid that paying the {$130.00} to collections now, just because we happened to pull our credit report, will only 'validate ' this illegitimate 'delinquency ' and keep it on our credit report for years!

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: None of the above options really relate to my issue but here 's the issue I 'm having. I paid off a judgement about 6 months ago and satisfaction of judgement has not been recorded. I have repeatedly tried to contact Resurgent but can not get any response or copy of release.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2016, I initiated a " Send Money '' payment for {$770.00} from my checking account with USAA. The transfer vehicle for this payment was XXXX. The {$770.00} was debited from my account on XXXX XXXX, 2016, but never entered the XXXX system, and was not received by the recipient. Since then, I have contacted USAA multiple times to resolve this issue, and have been met with a refusal to provide any restitution. Additionally, USAA has continually referred me to XXXX to rectify this issue. USAA supplied me with a XXXX transaction ID with which to locate this payment. XXXX has no record of this transaction ID, and has no record of any transactions from my account for that amount using my checking account information. On XXXX XXXX, 2016, I spoke with a member of USAA 's Executive Resolution Team named XXXX, who, after talking directly with XXXX, informed me that USAA would be crediting my account for the entire {$770.00} within XXXX business days. After 8 business days, my account has not been credited. I spoke at length again with XXXX members of USAA 's Executive Resolution Team ( XXXX and XXXX ) on XXXX XXXX, 2016 to try to ascertain the whereabouts of my credit. These individuals informed me that USAA would not be crediting my account ( as previously promised ) and that I would have to take up the issue with XXXX. Although I informed USAA representatives repeatedly that since the transaction does not exist with XXXX there is nothing XXXX can do, they refused to offer me any restitution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I requested my credit file not my report, I needed to know what paperwork/contents were, how  XXXX   XXXX  and   XXXX  /Equifax was verifying erroneous account information. Under section  609 o f FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.   I last spoke to  XXXX   XXXX   XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant account

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I sold my home for short sale in XXXX 2011. Wells Fargo never reported to the credit bureau of my pay off of my home and that my balance with Wells Fargo is {$0.00}. I have called several times to contact the morgage department of Wells Fargo and have not had any luck. I would like Wells Fargo to report to all three credit bureau 's, XXXX, XXXX, and XXXX that my pay of has been completed back in 2011.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have contacted Transunion online as part of my free credit report for the past XXXX years to obtain a copy of my report. Transunion says they can not accurately ensure my identity, and this year it says I have an open dispute so I can not get my report from them. Why can the other agencies give me my report XXXX and XXXX with the same information I provide to Transunion. Transunion is not releasing my report unless I give them money. I want a copy of my report from Transunion, so I can see what it says.

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 11/17/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: IN CFPB COMPLAINT # XXXX, IN THE " EXPLANATION OF CLOSURE '' EQUIFAX says '' the date closed was updated to XXXX and the date of last activity isshowing XXXX ... XXXX '' yet both are blank on the attached, named, subsequent report. 
In addition the actual payment amount and scheduled payment amount are reporting XXXXwhich is obviously erroneous.I allege XXXX details of reporting in an attemptto hide penalty fee violations of the XX/XX/XXXX CREDIT CARD ACT on this account. 
EQUIFAX according to FCRA IS NOT PERMITTED TO REPORT AN ACCOUNTthat is obviously erroneous and incomplete on the face of the record, regardlessof a creditors reporting.EQUIFAX LIED TO THE CFPB and the proof of that is attachedhere.

Company response to consumer: Closed with explanation