milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: MY wife was late with a monthly payment in XXXX and XX/XX/XXXX. XXXX times the department store " XXXX '' added appropiate late fee and included interest with original balance and with additional late fee. In XX/XX/XXXX and XX/XX/XXXX my wife did pay the balance if the " XXXX XXXX credit card payment due. However XXXX XXXX did report my wife with a delquant payment to all XXXX credit reporting agencies for both XXXX and XX/XX/XXXX. In XX/XX/XXXX my wife and I started a application for refinace our home for the hopes of a 30 year 4 % rate but, due to the late payment and XXXX XXXX reporting XXXX the late payments to all credit reporting agencies brought my wife credit score down which kept us from achieving the top tier rate of 4 % but got a 4.25 %. My wife called the department store " XXXX XXXX '' explained that she was late but did pay in full the balance interest and late fee for both months but the department store was unwilling to remove the report they made once again even though my wife made full resituition for the credit card amount due. The department store XXXX XXXX credit card divisionwere perhaps well within their legal right anc correct in doing so but my wife did make full payment did not welch or file bankruptcy and welch on the amount due rather she payed it with fee, interest and balance. I guesss there is No law or rule against poor bussiness practice.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I notified Transunion on XXXX/XXXX/XXXX in the XXXX .I spoke with a phone Representative stating that I had been a Victim of their resent inquiry issue. I went over every inquiry and was told that the issue would be deleted and removed from my report in a couple of days. The representative was very apologetic of this matter .I resently pulled my Transunion report again .I noticed Transunion have not deleted nor removed inquiries.I feel Transunion is not being accountable for making this mistake .It 's very upsetting that I was a Victim of this issue and nothing is being done about it. 
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 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 07/28/2017 about Debt collection (Medical debt) with Sentry Credit, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: West Coast Adjustors - Sentry Credit Inc in WA state has sent me a collection letter to a debt that I do not own. At the time of this collection that person named is XXXX years old. This collection was brought to me because of a cancelled appointment for an XXXX XXXX XXXX. But on the appointment date this person did not go. The person named did not receive any medical care and checkup and making an appointment does not cost any money. This person also comes from a low income background and has XXXX insurance. This letter was dated XXXX XXXX, 2017.

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 01/19/2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I reported my credit card as stolen as soon as I was certain I did n't have it anywhere. When I called the credit card company we discovered there had been fraudulent charges. The representative informed me that they put a hold on my card due to suspicious activity. I was told I would be credited for the charges and an investigation would take place. A week later I received a letter explaining my claim was denied as they believe the card was in my possession. This is not true. These are fraudulent charges. I did not sign or put in my pin number for these purchases which I believe should act as evidence. If my credit card company investigated my usual activity it should be clear these purchases are not typical in my credit card usage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (I do not know) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FOR SOME ODD REASON THIS COMPANY THINKS THAT THEY CAN IGNORE A PERSON AND HARASS THEM LIKE THERE IS NO TOMORROW. I HAVE ASKED EVERY TIME THAT THEY CALL AND TO DELETE FROM MY CREDIT REPORT BUT THEY HAVE CONTINUED TO DO BOTH.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (FL).
Issue: Account opening, closing, or management

Complaint: PNC Bank : XXXX XXXX XXXX sent me a letter claiming that I owed their bank {$140.00} ( which I had paid at their branch nearby and was told by the branch CSR that I was totally paid out and that my accounts were at zero after the cash payment at the teller ). The letter XXXX sent me arrived in my mailbox on XXXX XXXX, 2015 and said that I had 7 days from the receipt of the letter to call her about it otherwise they would send it to collections. I called on Tuesday XXXX XXXX, 2015 and she said she had already sent the matter to collections without even waiting for my call. When I told her that it had n't been a full 7 days since I got the letter, she said it was too late. When I told her I would complain to the FBI, she immediately hung up. I 'm not sure I have located the receipt for that payment or could since it has been several months since the deposit was made. I believe PNC Bank is in error and is just trying to collect money fraudulently from me since I am XXXX. The CSR person who started taking full advantage of me was XXXX XXXX XXXX XXXX XXXX. Branch in XXXX, Florida. XXXX had lied about my behavior when I wanted to close my account with PNC, saying that I was yelling even though I was not yelling, just speaking with a disbelieving tone of voice XXXX I could n't believe she would n't close my account. The date of closing was within the rules. ) When I told XXXX it was unfair she expressed that it was too bad. I told her I was recording the conversation and she immediately hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I placed a credit freeze on my Equifax account on XXXX XXXX, 2017 because of their recent data breach. I noticed the 10-digit PIN they gave me is NON-RANDOM and is a timestamp of the form MMDDYYHHMM and verified this both because we froze several credit accounts in our household and saw the pattern AND this is widely reported in Blogs on the internet. Given the large number of recent freezes, any half-capable hacker can have a computer algorithm " guess '' the PIN in a second or less, unfreeze my credit and open a fraudulent account.
When I called Equifax to ask them about this : I talked to both a front line rep and a manager. Both at first insisted the PINS were " random. '' I explained to them about the date and time stamp and they still insisted they were random. Next I asked if I could change the PIN to one of my choosing. No that is not possible. Lastly, they both said, if I did a temporary lift, and replace, a new PIN would be generated. I asked if it would simply be a later timestamp or truly random and they did not know, but I suspect it would simply be a later timestamp so I did not do it. The manager offered to waive the fee, but I got the impression if I did a temporary lift-replace online I would have to pay for it and I would still get a timestamp PIN. I explained to the manager that these PINS are in no way random and are a big security risk, and that she should really really report it up the line, but she clearly is overwhelmed so I have no hope that anything will be done at Equifax about it. Clearly even the manager is completely uneducated about how the PINs are generated.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX, has Fail to validate at my request on XX/XX/XXXX there is no date of last payment, the last payment made was XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NC).
Issue: Struggling to pay mortgage

Complaint: Hello : In XX/XX/XXXXI purchased my residence, a new home that cost {$210000.00}, with a down payment of {$70000.00} that was required at closing by XXXX XXXX. The payments were around {$1100.00} a month after paying the monthly payment with {$100.00} extra towards the principal they lowered my payments to around {$1000.00} by the year XXXX. In XXXX I became XXXX unable to work contacted XXXX XXXX  immediately. Advised them of the situation, they said they could help with a modification. We began working on the Making Home Affordable Loan. After working on the loan, I was told I was appoved. I just had to make 3 payments of the amount which I did. They accepted the payments, but Foreclosed on me sold the house to themselves broke in changed the locks. At the time I was working with Legal Aid who contacted XXXX XXXX who after checking the payments that were accepted told XXXX XXXX to let us move back in. Which we did, and we were told that the sale would be rescended. XXXX told Legal Aid and myself that it would take some time for the lawyers to rescend the sale and they would get back to us. The next month I make the payment they send it back and tell us they are n't accepting any payments. I wait some time, cotact the lawyer we force them to put the house back in my name after rescending, with a good faith promise for a modification. After months of paperwork they forclose on us. Legal Aid advises of filing bancruptcy which I do. In bancruptcy XXXX sells the account to Green Tree which approves me for a modification in XXXX every payment is being paid. Green Tree hands us to Ditech LLC which is XXXX, but our payments are still being maid. The bancruptcy ends in XXXX of XX/XX/XXXXbut payments are still being paid no problems. XX/XX/XXXX my phone rings XXXX XXXX says you owe Ditech {$44000.00} how do plan to pay. I ask her how do I owe Ditech that money she says you have n't paid what I owe and my modification was never approved. I tell her I was told that thew bancruptcy paid {$29000.00} to XXXX XXXX, Green Tree and Ditech on top of us making our payments. She says I will look into it, on XX/XX/XXXX I receive 3 letters from Ditech that say that contact us for your past Due amount of XXXX. I have the bancrupty payments the Ditech mail delivered and the approval from Gree Tree. Also the first time I hear about past due amount is 3 weeks before selling my home on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage that was purchased by Ocwen Loan Servicing many years ago, I never agreed to do any type of business with this company. It was on or about XXXX of 2014, when I had some damage to my home. I put in a claim with my homeowners insurance company, The did everything that they needed to in order to issue a check for the damage. This check was written to Ocwen and myself. according to Ocwen, I was instructed to complete the needed repairs, paying all repairs from out of pocket expenses. I informed ocwen that I was not in a financial position to do this. they refused to sign the check and allow me to pay a contractor. At this time the home was no in any condition to reside in. I was forced to leave this causing me to not be able to pay the mortgage cause i had to pay to live elsewhere Since then they have placed my account with an attorneys office for foreclosure. I told the attorney that i would sign off so they can just take the home. Ocwen has been calling me up to XXXX times a day even after i have talked to a rep they would continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit line increase/decrease

Complaint: On or around XXXX XXXX of this year, i wanted to get an increase in my credit limit with my XXXX XXXX credit card issued by Citi. I applied online to get an increase in credit line. They emailed me back asking me to call a particular number. When i called the number the representative said she needed to run credit to see if i qualify for an increase in line. I told the rep that i only want an increase in the line WITHOUT running my credit as i did not want to impact my credit report and XXXX score. I explicitly said NO to running hard credit over the phone. But they ran it anyway and it showed up on my credit report and impacted my XXXX score. I tried to get in touch with the company to rectify the issue and also asked them how they could run my credit without my authorization. I have a chat session saved that i had with XXXX of the company 's reps XXXX XXXX XXXX who admitted it was a FCRA violation and that she had forwarded to the concerned department and that i will get a call back. I had to call them to get a call back and when i spoke to the person that called me, they said everything was ok and there was no issue on their end. I asked them to pull the call and listen to it as i had explicitly said not to run a hard credit. I also said how XXXX had agreed it was a violation. I asked if they had a record of my authorization, and he said i would need to a subpoena to get that information. This is ridiculous and completely unprofessional and unethical.

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 08/28/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (AL).
Issue: Received a loan you didn't apply for

Complaint: A email to me from XXXX XXXX threatened me about going to court and arresting me about a loan he was asked to show me proof of my signature on loan documents and then i will decide onhow to handle this matter. Docket # XXXX XXXX. CASE # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (RI).
Issue: Loan servicing, payments, escrow account

Complaint: My servicer left a blank envelope at my door with only the words confidential and an XXXX number to call. I called the XXXX # the same day I received this ambiguous notice. The rep advised me I was due for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my mortgage. I offered to make one full payment now for the following business day, with the entire balance of the arrears to be paid at the end of XX/XX/XXXX. The representative, and the supervisor that followed my conversation, both refused to take the payment because a demand letter had expired the day before. Instead, they are requiring the full arrears be paid now by secured funds ( XXXX XXXX or equivalent ). I specifically asked that if I had received the number and called yesterday would my payment have been accepted and I was told yes by both the agent and the supervisor. 
I advised the Supervisor that I was out of state tending to a family matter and the default notice they claim was sent was not received. Further, I called them immediately upon receipt of the door notice. Despite this, the supervisor and agent refused to take my payment and arrangement ( which I was willing to confirm both as payments by phone to secure the arrangement ). 
I am additionally concerned that my previous CFPB complaint regarding their practice of charging fees for payments and suppressing internet payment functionality may have adversely impacted their decision making process in this case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: a qualified written request was submitted to bayview loan servicing on two separate occasion with no response to the request on XX/XX/XXXX and XX/XX/XXXX as per in sub title E Mortgage Servicing of the Dodd- Frank and Consumer Protection Act Bay View had 5 days to response by mail and must provide a substantive response to the borrower within business 30 days, THIS has not happen but bayview loan servicing is moving forward with the foreclosure and according to a letter date XX/XX/XXXX stating that bayview was still in the process of a resolution of the matter of the loan modification with a proposed resolution date of XX/XX/XXXX, so while bayview was telling me this they still had a sale for XX/XX/XXXX we called everyday this week to get an answer and nobody would tell us anything until today that the sale was still moving forward even with a pending answer on the loan modification and violations of the dodd- frank and the consumer protection act, there intent was to foreclose without any regard whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Transaction issue

Complaint: I was talked into setting up an online business by XXXX XXXX XXXX XXXX, and after that I got a charge for XXXX XXXX and I never heard of them. I never authorized any charge by them and I do not have any contracts or emails from them. They charged me {$5500.00} and I believe XXXX were the ones who charged my Bank Of America card {$5500.00} under 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 monetary relief
Consumer complaint received 12/22/2015 about Mortgage (Conventional fixed mortgage) with Altisource Portfolio Solutions, S.à r.l. (IN).
Issue: Settlement process and costs

Complaint: We purchased a house at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XXXX XXXX, 2015. The house is in the name of XXXX and XXXX XXXX and XXXX XXXX. We were told that we had to use XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ; telephone # XXXX. The mortgage with XXXX XXXX, # XXXX is only in the name of XXXX and XXXX. The reference # at XXXX XXXX is XXXX : XXXX. My daughter, XXXX and her family are living in the house, and we want to file for a homestead exemption. However, XXXX XXXX has not filed the necessary paperwork with the Recorder in XXXX County, XXXX. The deed and mortgage have not been recorded. We have called and emailed XXXX XXXX many times all summer long, but can not get this recorded. Months ago, they told us there was a paper that did not get signed at closing. They sent us some papers, we all three signed them and sent them back. Still, nothing gets done. We told them we are going to sue them since we will have to pay higher taxes without the homestead exemption, and still nothing gets done. The recorder in XXXX County, XXXX advised us to contact the Attorney General. I filed a complaint with the XXXX Attorney General who advised my to contact the GA Attorney General. They sent me to the Banking and XXXX XXXX and they sent me to CFPB. Please help us to get XXXX XXXX to file the necessary paperwork with the Recorder in XXXX County, XXXX to get this sale recorded properly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: This car was stolen on XX/XX/17 and the insurance company was in the middle of sending XXXX XXXX   there money to pay this car off. The car was gone for over thirty days and I got another car. This needs to be remove a negative payments.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: MY ACCOUNT WAS LINKED BY  XXXX  WITH  XXXX   XXXX  WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF  XXXX   XXXX  TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH  XXXX   XXXX  OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY CREDIT SCORE ALSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX  DOLLARS EVERY MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I received a late payment alert on XX/XX/, I called Honda and they acknowledged that I did receive my payments and needed to turn my vehicle in. I explained I had already returned my vehicle and gave them dealer information. They still reported a 30 day late, I disputed with the credit bureaus and was able to remove the late from 1 of them. But 2 bureaus was not removed. I sent a letter on XX/XX/XXXX, they sent me paperwork showing my payments which were not late but still reporting a 30 day late.

Company response to consumer: Closed with explanation