milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (AL).
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: U.S. Bank Home Mortgage incorrectly reported the status of a Foreclosure filed against me. I have written numerous letters asking them to correct the status. The foreclosure was " REDEEMED '' on the day of the foreclosure auction. Therefore the status of the foreclosure on credit reports from Credit Reporting Agencies should be " Redeemed, XXXX XXXX 2015 ''. Under the Case Law my attorney has reviewed, since the bid at foreclosure of XXXX was for the entire amount U.S. Bank Home Mortgage claimed to be owed based on the terms of the mortgage and U.S. Bank was made whole we do not believe that U.S. Bank legally had the right to even report the foreclosure, since they suffered no financial loss, which is the purpose of negative information on consumer credit reports, to show when an individual financially damaged a reporting entity, not to punish a consumer who has through what ever means legally available to the consumer to make the financial institute financially whole.

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 06-06-2016 about Debt collection (Credit card) with E. A. Uffman & Associates, Inc (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CSD COLLECTION {$25.00}, XXXX {$390.00}, XXXX REGARDING XXXX XXXX {$38.00}. I 'VE NEVER HAD THESE ACCOUNTS. I REFUSE TO PAY MY IDENTITY WAS STOLEN ON XX/XX/2012 I WAS XXXX AND ALL MY PERSONAL INFORMATION WAS USED. I HAVE CONTACTED THE CREDIT BUREAUS ON SEVERAL OCCASIONS IN REGARDS TO THIS. THEN THEY BE REMOVED AND THEN RESOLD TO ANOTHER 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 12-09-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: I was promised XXXX pts from Citibank for opening the HHonors credit card but I have n't received it 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 01/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Disputed a public record on Experian the judgment is paid in full. Experian refuses to mark it as paid. I have sent them the paperwork online showing that the judgment is paid. Just received the copy of my credit report from Experian, and the judgment is still not marked as paid. I am a resident of New York State, and the judgment will be 5 years old in XXXX, this judgment needs to be off my report in XXXX 2016 according to the New York State 5 year rule. Below is the satisfaction of judgment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. XXXX has been featured in the news as a fraud : XXXX XXXX XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing XXXX as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent 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 03-01-2018 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (CT).
Issue: Struggling to pay mortgage

Complaint: At the end of XXXX, we were with another servicer, XXXX XXXX. They were really amazing to work with and they had helped us successfully go through a modification early in XXXX. We have a severely XXXX and XXXX XXXX child, and at the end of XXXX fell behind by 2 payments due to hospitalization.. We were approved to defer them to the end of our term by our prior servicer, XXXX and get our program back on track. Everything was explained to me, and they were very very helpful. But the deferment never took That never happened because our mortgage got sold apparently in XX/XX/XXXX. It took us awhile to get in touch with someone regarding the deferral, and Fay Servicing was the New servicer. I explained to them what was going on due to our sons illness and how my lack of income is a result of this. ( My husband has an excellent job and has since XXXX ) I was told that I had to submit a complete hardship package of documents to be considered for help. So I did this. I was contacted shortly after sending documents and told that there were additional things needed. So I send the additional documents. And waited. I finally called and found out that even though I was told via a phone call that everything was received, they said our file was CLOSED because of incomplete documents. 

And they also had put our loan into foreclosure status which we were not notified of. I discovered this when I tried to send payments in, and payments were returned to me. 

They had me resubmit a complete full package of information including details on the reason and nature of my sons medical condition and XXXX. ( he was born with a XXXX XXXX and we have strived to take care of him in our home. Made accessibility renovations and improvements etc. ) Over the next several months of XXXX I submitted 3 hardship request packages ( per their instruction ) and each time they almost immediately sent me a generic denial letter for all programs. That letter instructed me that we could file an appeal. This was done twice. 

Our loan representative was changed 3 times since Fay took over. I was only made aware of this when I called in for updates. 

I was completely frustrated, because so many documents were submitted over and over. And then we were told that they were incomplete even though we had sent in everything. 

The loan delinquency was increasing, but I couldnt make a payment ( I tried to several times in good faith but all checks came back ). 

Finally, in XX/XX/XXXX a third new representative called me. He began questioning me on our intentions with our home. I stressed to him that we have a severely XXXX son, that our youngest is in school her

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with WATERMARK CAPITAL, INC. (WA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX 2015 I began working with Watermark Home Loan ( broker : XXXX XXXX ) in order to refinance the current ARM on my primary residence. The result of this process was absolutely unacceptable. Only when I inquired about the status of my loan application two weeks prior to the expiry of the 45-day loan lock period, did I learn about missing documentation. I had been under the impression that it was their job to shepherd the process through to completion. Silly me - apparently it was my job! On multiple occasions sensitive documents ( containing social security numbers ) were transmitted via e-mail without password protection ( despite being described as password-protected ). And getting any response from them took multiple e-mail inquiries on my part. Finally, there was no accountability or apology for their total failure to complete the process. Excuses were made about " too many moving parts '' because I am semi-retired and living off of investment income. Meanwhile, I wasted a lot of time and money ( on a useless appraisal ), and lost a prime opportunity to refinance my ARM with a fixed rate loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I talked with a loan originator on XXXX XXXX, 2016. She did a " Hard '' credit inquiry. The next day I spoke with a different bank and he did a " Hard '' credit inquiry. My middle credit bureau score was reported by Experian. It had dropped XXXX points overnight because of the hard inquiry. This put me in a different loan category causing me to pay more for my mortgage. The second bank told me that legislation required that if you were shopping for a mortgage with different lenders that the bureaus must report the same scores to each for 14 days. I can not find anyone at Experian who will discuss this with me.

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 04-07-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I moved into our home in XXXX XXXX. We received a loan for {$63000.00}. Today my WellsFargo Mortgage is at {$40000.00} with an interest rate of 4.75 % and has a maturity date of XXXX XXXX, XXXX. I pay {$590.00} per month. I was diagnosed with XXXX in XX/XX/XXXX and was not working often due to XXXX and the XXXX so I had to get my loan modified so that I would not lose my house, but I thought my overdue balance was being added to the end of my loan and my interest rate was being lowered but it seems like I 'm being robbed. It seems like the amount I pay back will be a tremendous amount over what I should be paying back on this {$63000.00} loan. I feel like WellsFargo is robbing me could you please help me out and tell me if this right.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My credit reports are showing a {$1600.00} balance from XXXX XXXX XXXX owed to XXXX XXXX in the public records section. The filing dates listed on the record vary between bureaus. Equifax lists the filing date as XXXX XXXX, 2014 while XXXX lists the filing date as XXXX XXXX, 2014. <P/>Aside from the varying dates listed, I do not understand why this judgment is showing up in its current state. Under O.C.G.A. 44-7-52., : ( a ) Except as provided in subsection ( c ) of this Code section, in an action for nonpayment of rent, the tenant shall be allowed to tender to the landlord, within seven days of the day the tenant was served with the summons pursuant to Code Section 44-7-51, all rents allegedly owed plus the cost of the dispossessory warrant. *Such a tender shall be a complete defense to the action ; * provided, however, that a landlord is required to accept such a tender from any individual tenant after the issuance of a dispossessory summons only once in any 12 month period. <P/>In this case, my former landlord did file a dispossessory against me, but it never proceeded to eviction. After our court appearance, the landlord and I actually made amends. He would corroborate this information. <P/>My landlord agreed to let me out of my lease, I tendered the outstanding rent + court costs, and even ended up receiving a check *back* from the landlord from the deposit I paid before moving in. I also believe his new tenants moved in the day after I was gone. In fact, a few months later we met again regarding me doing some XXXX and XXXX XXXX work for one of his other companies ( XXXX XXXX XXXX ). <P/>Judging by the appearance of this record on my credit reports, it looks like I skipped out on paying my landlord which is not the case. On the reports, there are XXXX bullets for which nothing is listed. Those are : Date Verified Status Date Satisfied I am sure the bureaus scoring algorithm is proprietary, but my credit scores are not my main concern. Due to the blanks next to the aforementioned bullets, the appearance to potential future *employers*, landlords, creditors, or lenders is that this debt was never paid.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit report dated  X/XX/2017    and   XXXX     I noticed that  Capital One w as reporting information incorrectly. On   XXXX   XXXX    Capital o  ne  reported that my pass due amount was {$160.00} as of   XXXX   XXXX     and on   XXXX   XXXX   they reported as passed due {$190.00} as of   XXXX   XXXX    . This is less than  XXXX  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows th at Cap  ital One ha s falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law section  37-20-110. I have attached copies of recent payments made to Capital One and the reports that were received.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage servicer, XXXX XXXX XXXX, sold our mortgage to Shellpoint Mortgage Servicing in XXXX 2016. We sold our house at the end of XXXX. Our title company ( XXXX XXXX here in XXXX ) paid off the exact amount owed to Shellpoint to pay off the mortgage in full. We received a letter from Shellpoint in XXXX stating we had to provide proof of homeowner 's insurance. I called Shellpoint. The rep would not identify herself. She stated that we still owed about {$1600.00} on the mortgage to consider it paid off in full. I advised that we paid off the exact amount due and she stated we still had a mortgage and had to buy homeowner 's. Shellpoint has put a derogatory comment on my credit record and will not remove it. This of course will affect my ability to buy another home, car or any other large purchase. I believe BofA did not supply full information about our loan, including the payoff amount due. I have no idea why Shellpoint says we still owe money. I did not get an answer and ca n't get anyone to talk to me about explaining this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have several accounts in my Equifax file that does not make any sense im filing a complaint on each one individualy detailing my concern with supporting documentation to back up my complaint. First i will start off with XXXX XXXX this account was a checkin account and went negative in XX/XX/XXXX. It was reported to XXXX and fell off my XXXX report after 5 years. This was never a payment account or credit account it was a bounce check that caused overdrfts fees that exceeded XXXX altho my report reflects positive payment history followed by a charge off in XXXX XXXX. This info is incorect and has been close to 7 years reporting inacurate outdated info. Also this account has been paid in full as of XXXX XXXX it still reflects a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: on XX/XX/2018 I was looking to purchase a home, upon pulling my credit report, I noticed there were some odd things on my reports, so i order copies of my credit reports. I found out I was a victim of Identity theft. I notified all credit compines, and filed a police report, and a Identity theft report. I also notice that someone ordered cable services in my name, from the same cable company I go through now, an d have been for awhile now. XXXX XXXX. They ordered serivces at a address that I do not live at. Well what happened was I do not know, I am shocked. I called XXXX XXXX I am current on my bill I told them what was going on they had no clue. I reached out to the collection agency, XXXX XXXX XXXX account number # XXXX there address is XXXX XXXX XXXX XXXX XXXX WA XXXX TEL:XXXX  I was very upset she was rude I was upset, I told her what was happening she did not care just yelled at me and said I get it you are a victim of fraud, and told me they would send me some paperwork. I never heard anything back. This collection agency states I owe them XXXX no I do not. People should be more kind. You know it XXXX when someone stills you Identity and, this collection agency had no remores she just want all my information so they can call me 40 times a day like they have been but they will not give me there fax to send the police report a email or I still have not got the paperwork in the mail to send back my proof I been a victim of Identity theft.

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 05/20/2015 about Debt collection (Federal student loan) with ECMC Group, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Did not try to call me to fix problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: We are working with Wells Fargo on a police and fire ( PFRS mortgage ). The mortgage broker, XXXX XXXX, XXXX Mortgage Consultant - XXXX ID XXXX, in charge of our mortgage process failed us miserably. She was n't returning phone calls, emails and then never sent the loan confirmation to our lawyer. In addition, she was n't communicating with her own underwriters. The underwriters could n't even contact her. She was n't returning their emails or phone calls. They could n't find documents that she apparently said she had sent. She chose not to step up and apologize but rather now has been dragging her feet even more. We have a closing date for XXXX XXXX. We are unsure now that we will be able to close. Very frustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Midwest Recovery System has fraudulently reported an account on my credit that I did not open with XXXX XXXX this year. The address of the company is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO. The telephone number is XXXX. The amount that I supposedly owe is {$740.00}. This company has also been calling me daily in regards to this fraudulent account. I discovered this fraudulent account from my credit report and disputed it with XXXX. I was not able to do so with XXXX and XXXX, but I will if applicable. Please assist me in getting this fraudulent account removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: i purchased an item of clothing. took months to get and returned in XX/XX/XXXX. they said three weeks for refund. i emailed dozens of time and no refund. all i want is my money back

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: List of Inquires listed on my Credit Report that I did NOT authorize are as follows : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XX/XX/XXXX 12 . XXXX XXXX XXXX XXXX  XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX  XX/XX/XXXX 15. XXXX XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XXXX  XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (KS).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: BMO Harris was running a {$200.00} sign up bonus promotion. After meeting terms, I inquired multiple times within last 120 days as to when funds will be paid. First 3 calls I was told I qualified and would be paid ( in order of phone calls ) next statement. close, 60 days, 120 days. Now, today, after 120 have passed and calling in, the bonus is somehow not to be found for my account ( yet was found first 3 times ). BMO Harris is not honoring the terms they gave me, nor the commitment made to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief