milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2016 about Mortgage (Other mortgage) with FREEDOM MORTGAGE COMPANY (DE).
Issue: Loan modification,collection,foreclosure

Complaint: The owner of a condominium unit passed away in XXXX of 2011. Since that time, there has been no action taken except for the bank changing the locks on the unit and completing a property preservation in XXXX of 2011. The mortgagee, Freedom Mortgage Corporation ( XXXX XXXX ) has not made any payments to the condominium association since changing the locks on the unit. There has been no foreclosure action initiated by the mortgagee. The association is owed in excess of {$13000.00} not including any late penalties or interest accrued.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was the victim of Transunions service error. I have contacted customer service and they refuse to remove the inquiries that were added to my credit without my permission. 

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 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/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 response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Equifax is showing I have  XXXX  accounts in collection status with  XXXX   XXXX   XXXX   XXXX .      XXXX   XXXX   XXXX  has submitte d 1 d eletion request for each of the  XXXX  accounts and I have copy 's of all  XXXX  letters. I have also mailed via  USPS  the deletion letters as well as uploaded them to Equifax.     Equifax refuses to remove the inaccurate accounts from my credit report. This has been over the course if of two months with multiple phone calls, emails, mail requests from myself and the original creditor. as well as online disputes.     This needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (I do not know) with EMPIRE MEDIATION SERVICES LLC (NY).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: this collection office uses highly illegal tactics to collect debt. impersonating attorneys, law enforcement and government officials. they try to collect more than what is owed, they threaten jail and wage garnishments, they call people 's place of employment even after being asked to not call there anymore. They do n't even bother to state the mini Miranda or monitor disclosure on any of their calls. The owners name is XXXX XXXX. the " company 's '' name is Empire Mediation Services, located at XXXX XXXX XXXX, XXXX, NY XXXX the phone number there constantly changes so consumers can not call back, but the owner 's direct cell phone number is XXXX. This place needs to be shut down.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The only XXXX I have ever had in prosperity WV is XXXX There is another listed on my report that is not nor has it ever been mine. Also, there are numerous hard inquires that are not mine. XXXX is not mine as well as several others!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a alert from XXXX XXXX that a new account has been added to my report and affected my score. I checked and it was from EOS CCA collection company in the amount of {$1200.00} from XXXX. I called the number provided by credit karma and called EOS. I gave them my S.S # 3 times and they could not find any account. Finally when I gave my phone # that 's how they located my account. Now I canceled my service with XXXX in XX/XX/XXXX after being a customer for over 7 years. I was not aware or told that I will be charged for cancelation of a contract with XXXX. I even called back in XX/XX/XXXX because I was charge a payment in XX/XX/XXXX and still was not told about the contract fee. I asked the collection company why I never received a collection letter or phone call. they said one letter was mailed to the address I moved from and they called me 35 times but it 's their policy not to leave any message. How am I suppose to know that I have a bill. I also called XXXX and was told it is stated in my contract that if I cancel my service a % 70 fee will be charge. A contract that I signed 7 years ago and no longer have to review. When I asked the collection rep why they did n't try to contact me instead of sending it off to collection they told me its my responsibility and they do not leave message either in regards to any collection. Now how am I suppose to know of a fee if I was not aware of it or even try to make payments on it had I know about this. I have a very good credit score, I work hard to keep all my recent credit accounts paid to date for something that I was not aware of or given the right to dispute or make payments on it. this collection has affected my credit score now. Mind you I did ask the collection company if I can make {$30.00}. payments since I 'm a stay at home mom. My husband is XXXX in the military and he pays all bills. I was told NO unfortunate they will only accept XXXX a month for 12 months for full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Using a debit or ATM card

Complaint: I went online at the bank of america website to set a " travel alert '' because i was going to italy and wanted to use my atm and credit cards. Now i am XXXX and have tried atms at XXXX different banks and cant withdraw cash. I have done XXXX online chats with b of a, and they have not been able to figure out why the card wont work. they keep basically indicating there is no reason for it not to work. This is insane for a financial institution the size of b of a to mess up like this. I would have a major problem if i hadnt brought a XXXX atm card from my local bank ... it is working fine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX XXXX, 2016, I was notified by email from Experian Credit Monitoring Service that XXXX has reported to the credit bureau ( s ) an alleged debt collection account in the amount of {$63.00}. My records show this alleged debt collection account reported by XXXX XXXX in the amount of {$63.00} to be incorrect. I have attempted to dispute the information by using the online dispute services I am paying for with Experian Monitoring Service, but Experian Monitoring Service has disabled my ability to do so. Attachments to this online complaint submission is a copy of the information in my Experian Credit Monitoring Service account, along with a copy of the notification from Experian Credit Monitoring Service stating I am not allowed to use the online dispute service, a feature in which I am paying for monthly with this credit reporting service.

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 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HUNTINGTON NATIONAL BANK, THE (AR).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Arkansas  XXXX  Update on  Huntington   XXXX   Huntington National B ank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ohio  Attn : Consumer protection compliant dept.      To w hom it may concern : Huntington b ank registered out Ohio has used an intimidation tactic by unlawfully and erroneously reporting a false statement to the bureaus that made my credit drop by  XXXX  points. I filed a  UCC1  document and submitted it to huntington which they did not want to honor my status fili ng. Huntington b ank then closed my account without proper reason. The only reason they closed it was because I submitted m y UCC1. I have never missed a payment, even after I submitted my UCC1 I was still making payments and waiting for Huntington  to accept my filing document. They then closed my account without a noticed nor a reasoning other than they claimed I told them I would not pay, which my no sense because my bank acct spoke for itself that I was still paying even after I submitted  my UCC1 ba ck in  XXXX . When the bank illegally reported my acct to be delinquent in  XXXX  I called the bank and they said that was a mistake and was going to correct it but never did. They have been harassing me about paying for a closed account. They are trying to get me to pay for a closed account that never should have been closed. I was making payments every month on time until they lied to the credit companies that I wasnt putting in a negative  credit score.   Additionally to having a credit card with  Huntington bank I also had a saving acct that I was paying Huntington from. I never got a chance to pay with any other negotiable instrument since Huntington never ac cepted m  A4V in the  mail. I can proved that I was paying after I submitted my  UCC1 so they claim that I told them I wouldnt pay is a lied on their end. they can see that on their end that I was paying and yet they still closed my account because they did not want to honor my UCC1. I could have stopped paying after I submitted my UCC1 b ack in  XXXX  but I paid  XXXX  and  XXXX . I only stopped paying after they illegally and falsely reported acct to be delinquent making my score drop  XXXX  points. Just ask them for my bank statement from the time I submitted m y UCC1 b ack in  XXXX  of this year.      Sincerely   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (VA).
Issue: Managing the loan or lease

Complaint: I have two issues. First being that Toyota Financial Services for Car Loans has changed when you are able to make a payment. For example, if your due date falls on the weekend, you are no longer able to schedule your loan payment on the weekend. The payment has to be scheduled at some point during Monday through Friday. Otherwise, you are considered late, if the payment is made after your due date AND past the " grace period '' that they allow. The primary and I were never notified of this change. I feel that the non-notification and the change are deceptive, unfair, and pose a huge FCRA risk as the customer can be reported past due to the CRAs because of the lack of awarness that TFS failed to provide for the payment scheduling change. The second issue that I have is I was in XXXX over the last 4 weeks and needed to make my XXXX XXXX car payment. When I clicked on " make a payment '' I would receive an error message or it would time out. I tried this over a course of 7 days and on different devices ( iphones & ipods ). I understand that I could have scheduled the payment before leaving but I assumed, in the XXXX century that we are in, TFS 's site would be capable of handling my request from over seas. However, I learned thats not the case. Yes, I could have called TFS but it costs an arm and a leg to call and there is a XXXX hour difference. I had to ask a friend in the US to login and make a payment on my behalf. I should n't have to do this. I also feel that this is misleading and deceptive. A way for TFS to charge a customer a late fee and report them potentially past due to the CRAs. 

Sent from my iPhone

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello, i recently seen a collection on my credit report under Medical data systems inc, i disputed the collection with all XXXX credit bureus and never recieved validation, i also sent Hippa letter and validation letter to Medical data systems but never recieved responce, however the collection remains on my report.This is false practice and they are violating my Hippa rights

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 06-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Credit determination

Complaint: Citi refused to investigate a fraudulent charge. When I complained they put negative information on my credit report. They have refused to give me further credit cards because of this.

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 05/16/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We are trying to get a short sale initiated with Wells Fargo - This is an FHA loan. Wells Fargo is insisting that there is a title issues - but I have provided proof that there is no title issue and the judgment on file is actually Wells Fargo 's Mortgage. I would like Wells Fargo to get this short sale opened so we can help the sellers

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  has  XXXX  items on my credit report that do not belong on there.   XXXX   1.   XXXX   XXXX  Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway.   XXXX  2. On my   XXXX    XXXX  they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately.   XXXX  It is apparent they are trying to hurt me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 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: Information belongs to someone else

Complaint: I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with The Bureaus ( {$950.00} ), XXXX ( {$600.00} ), XXXX/XXXX ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my 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 non-monetary relief
Consumer complaint received 04/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I went to go pay my Walmart credit card bill of XX/XX/XXXX a day early than what I was suppose to, when I went to make a payment instead of typing in the correct amount of {$1000.00} she typed in {$12000.00} which was NOT my payment, so I called my bank to cancel the check so they wouldn't take {$12000.00} out of my checking account. They said they would get it all cleared up well I called a few days later to see and they had not gotten it cleared at all, they told me my remaining balance was {$13000.00} dollars so on top of adding the difference between {$1000.00} and {$12000.00} they added a late charge for me not paying my bill on time when I tried to pay it early. It has been a month and nothing has been done but they told me they had lowered my credit limit and that this could effect my credit score. I just want them to accept my payment of what I owed and clear out the charges that THEY added to my card and they said that they only had one person who could fix it in the whole company.

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 06/30/2016 about Debt collection (I do not know) with LAKEVIEW LOAN SERVICING, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I recieved correspondence from a debt collector in whom I am unfamiliar with I asked them to identify themselves and who gave them consent to communicate with me. They appear to be debt collectors which mean they are governed under 15 USC 1692. After placing company under a demand letter and notice of dispute for verification and validation company has failed to respond appropriately and has violated federal law in their continued attempts of the illegal debt collection.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with JTM Capital Management, LLC (IL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XX/XX/XXXX and XX/XX/XXXX Phone number called from : ( XXXX ) XXXX  XXXX, NY Both times they claimed a courier was on their way to my home to serve me with papers to withhold my Social Security check for an alledged credit card I have paid off and closed.
After 1st message I called back and spoke to XXXX XXXX XXXX who claimed to represent a law firm of a company of a company. She had the last 4 of a credit card number of mine. She claimed I owed XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX {$360.00}. Since XX/XX/XXXX I want these people to quit scamming people. Bunch of theiving subhumans!!

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 04-10-2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Other fee

Complaint: This complaint is in regards to how XXXX and their card issuer Chase manages refunds/credits in a foreign currency. My complaint is that XXXX and/or Chase is applying a different exchange rates to customers depending on if the transaction is a purchase or a refund. This difference in exchange rate is not insignificant ( 1-3 % ) and appears to effectively be an undocumented fee. I experienced the following XXXX examples of this recently : On XXXX XXXX, 2015 a charge for {$40.00} XXXX was made by XXXX XXXX it posted on XXXX XXXX using the exchange rate XXXX resulting in a charge of {$32.00} United States Dollars ( USD ). This charge was in error, and a refund was issued immediately by the vendor for {$40.00} XXXX on XXXX XXXX, it posted on XXXX XXXX with an exchange rate of XXXX resulting in a refund of {$32.00} USDOn XXXX XXXX, 2015 a charge for {$180.00} XXXX XXXX Dollars ( XXXX ) was made by XXXX XXXX XXXX it posted on XXXX XXXX using the exchange rate XXXX resulting in a charge of {$130.00} USD. Part of this charge was in error, and a refund was issued immediately by the vendor for {$20.00} XXXX on XXXX XXXX, it posted on XXXX XXXX with an exchange rate of XXXX resulting in a refund of {$14.00}. 

In the above XXXX exampled even though the return/refund/credit should have resulting in a net charge of {$0.00} USD, they did not - and in effect I was charged for the privilege of purchasing and returning an item. I have contacted Chase XXXX times to date without an adequate explanation for the use of XXXX different exchange rates. I am requesting an investigation by the CFPB if this practice is fair or deceptive. Thank you for your time regarding this matter.

Company response to consumer: Closed with monetary relief