milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Back in XXXX I was in the process of purchasing a home. I lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. While in that process I found out that I was a victim of Identity Theft and the person that stole my identity was using a California XXXX. I have lived in XXXX since XXXX my previous address was XXXX XXXX XXXX XXXX in XXXX XXXX the address which I lived from around XXXX until XXXX. Then after losing several houses that I had bid on and banks that denied me credit due to identity theft I finally got a bank loan after I had an Affidavit of Fraud sent out and had a stop put on my credit to help stop the fraud. I called so many agencies trying to get help. The FBI would not help me and at the time I had no where to turn. I finally purchased the home at XXXX XXXX XXXX in XXXX, XXXX XXXX. The incorrect addresses in XXXX listed as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX are not my previous addresses. They were used by someone else. I have never lived nor even visited XXXX and I need this information removed. I tried to have it removed back in XXXX but it was never removed. I also had a freeze put on my credit for years to stop the person in XXXX from buying things. From what I understand they purchased furniture, Cell phones and possibly tried to get a car in my name. My birth date is XXXX. I also need my work place information corrected. I have never worked at XXXX XXXX XXXX nor XXXX and XXXX. My employer is XXXX XXXX XXXX XXXX and I have worked there for 19 years. I have the police Cheif XXXX XXXX XXXX at XXXX XXXX Police XXXX and has known me for 19 years and can verify that I have lived in XXXX XXXX Pennsylvania from XXXX until XXXX. You can also contact the Police Cheif XXXX XXXX at XXXX in XXXX XXXX that can verify I moved to XXXX XXXX XXXX in XXXX and still live at this address. Also the social security office and verify my addresses since XXXX of my children were getting XXXX back when I lived at the XXXX XXXX address. My daughter XXXX XXXX XXXX still suffers from XXXX now and still gets social security XXXX and lives here with me at XXXX XXXX XXXX in XXXX, XXXX XXXX. When I found out about all of this I was in contact with several police departments in XXXX and sent them all letters due to identity theft. I was told they were going to investigate this but lost contact over the years due to my moving and some of the documents being misplaced. I really thought this was taken care of and I really need to have this information corrected as soon as possible. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Advertising and marketing

Complaint: Walmart was running a promotion on a credit card. Save {$35.00} when you open a card and use it for your first purchase. I applied and got granted the credit card and bought my first item on the same day. They are not honoring the promotion due to what they say " It is policy to use the promotion on the same day of opening the card. Due to the fact that your purchase was made on XXXX XXXX and payment was processed XXXX XXXX we cant apply the promotion ''. 

They wont honor the promotion even tho i opened the card at the time of checkout and used it to purchase an item on the same day because it took them 5 days to process the payment. The Item was ordered and Payed for using this new credit card On XXXX XXXX 2015, however they decided to process the payment on XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX died on XXXX/XXXX/16. She had a reverse mortgage on her home through Wells Fargo. We were told by Wells Fargo we had 180 days to sell the house and pay off the reverse mortgage loan. We provided Wells Fargo with all documentation requested per their deadlines given, sold her home on XXXX/XXXX/16 and paid off the loan. Wells Fargo put her home in foreclosure at 120 days, causing us to have to pay {$1600.00} in attorney foreclosure fees at the time of closing. XXXX XXXX and Wells Fargo did not respond to our phone calls and correspondence. Attached is documentation. We want Wells Fargo to pay us the {$1600.00} we had to pay the foreclosure attorneys to get a pay-off letter to sell the property. We filed this same complaint with the XXXX who recommended that we also file the complaint with you.

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 01-03-2017 about Debt collection (Medical) with Credit Service Company, INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Services Company, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Toll Free : ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Dear Consumer Financial Protection Bureau : XXXX XXXX, XXXX Re : Case number XXXX In response to your letter dated XXXX XXXX, XXXX, the above named credit company is once again ( after the passage of over one year ) harassing me with threatening letters. These letters are documents nearly entirely in XXXX, though I speak XXXX. 

These letters attempt to prove that I did not experience coercion and predatory consumer manipulation when a doctors office in network for me suggested that I have an elective ( non-necessary ) procedure, and that they would make all the necessary arrangements for me to have this invasive out-patient procedure at XXXX of their sister facilities. 

As indicated repeatedly in previous letters, not once in all the interactions with this doctors office or the institution that repeatedly contacted me, was any notice given, nor advice or " Full Disclosure '' carried out by any of the parties involved ; that they were - in fact, outside my insurance network and therefore cause certain patients financial hardships - even if referred by the physician in question here. They have an ethical, moral and fiduciary responsibly to their patients to provide safe, effective, and fully informed and consented care to the patients they treat and collect remuneration from. 

In your latest letter, you indicated that you were unable to contact said credit company for lack of domicile, etc. Please note above that I have corrected in full the information you require ; including a toll-free phone number and the previously missing XXXX number. 

I hope that this additional documentation will assist you in pressing my compliant and my cause to its ' rightful conclusion with this predatory organization. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Since XX/XX/XXXX I have been filing annually to FedLoan Servicing to recertify my loans for an income-driven repayment ( IDR ) plan. I was surprised this year when I received an email confirmation following submission of my annual certification that said the recertification was on hold until my current annual period expired. I received this email on XX/XX/XXXX, after having submit my recertification request approximately one week earlier. The email reads ( Subject line : " Your IDR request is on hold '' ) : " We will process your Income-Driven Repayment ( IDR ) recertification request once the final bill of your current schedule is generated on XX/XX/XXXX. Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request. '' I intentionally submit my recertification 6-8 weeks in advance, because if there is any lapse in IDR the interest on my loans capitalizes. It appears that FedLoan Servicing has created a loophole that will result in a significant increase in people experiencing a capitalization of their interest due to a lapse in their IDR status. If there is any issue with your recertification paperwork and FedLoan Servicing needs to request additional documentation or clarify something, which oftentimes is the case, then this will automatically result in a lapse in IDR status. This is precisely why I build in this buffer time. If an individual with a loan is not aware of this detail ( that loan interest capitalizes upon a lapse in IDR status ), they will likely not respond to FedLoan Servicing to request that their recertification be processed ASAP, rather than waiting until their current IDR period is over. I immediately contact FedLoan Servicing to demand they process my recertification promptly, in order to avoid capitalization of my interest. I 'm so grateful for watchdogs such as the CFPB and wanted to alert you immediately to this very troubling issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other

Complaint: Between XX/XX/XXXX and XXXX XXXX XXXX/CBNA reported XXXX missed payments to the credit bureaus although I had entered into new credit terms regarding my account with them and they were collecting monthly payments directly from my checking account. None of the payments were missed since our new agreement. XX/XX/XXXX I paid the account in total early. I have spent the years since XX/XX/XXXX and present disputing the approximately XXXX incorrect reporting of late payments to the credit bureaus in regards to this account. I also requested a copy of the later credit terms to which XXXX XXXX/CBNA and I had. I was told the contact was mailed once and can only be sent once. I did not receive the initial revised contract. This incorrect reporting have affected my credit and have infringed on my Rights to Life, Liberty, and Property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid in full this XXXX XXXX account but they have not updated my credit report. I have also sent copies of the paid receipt to all 3 credit bureaus and it still has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Incorrect information on your report

Complaint: I received a payment demand from " Mr. Cooper '' aka Nationstar. I contacted the company and explained to them a mistake had been made by the company. The major issue is I do not have a loan from them now, nor in the past. I further explained that I do not own the property they claim I own. They have ignored the mistake and continue to send certified and regular mailing to me and my wife demanding monies. I am not sure why they have not simply checked with County Auditor to verify the home ownership. In my opinion this appears to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed a complaint against XXXX where they are reporting that XXXX XXXX says I owe them {$1000.00}. XXXX came back saying that it meets the " Fair Credit Reporting Act ''. I have not done business with XXXX XXXX Bank. They came back and now show this as a debt to " Midland Funding '' who is listed as a " debt buyer '' with original creditor as XXXX XXXX XXXX. XXXX XXXX XXXX is fraudulently reporting that I have done business with them, when I have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2017 upon looking at my credit report i saw that inquiries from XXXX, XXXX XXXX XXXX, XXXX, XXXX , XXXX and XXXX had been removed from my Transunion report on XX/XX/XXXX. Then on XX/XX/XXXX inquiries for XXXX, XXXX, XXXX ( XXXX were added ), XXXX, XXXX ( XXXX were added ), XXXX, XXXX. I did not receive notification on such changes to my report within 5 days as stated in the law. I am requesting TRANSUNION DELETE these inquiries as they are in violation of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (UT).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I signed up for a promotion with American Express to add additional authorized users to my account in XX/XX/XXXX. The promotion was to award XXXX Starwood points after meeting an additional spending requirement within three months. I added four additional authorized users and each met the minimum spending requirements. American Express only awarded the points for one of the authorized users. I contacted American Express around XX/XX/XXXX and they confirmed that I had met with requirements and would post the points within two weeks. After more than two weeks the points were still not posted. I contacted American Express again but was given the same story and that the customer service rep would not resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Payday loan () with Big Picture Loans, LLC (MI).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a payday loan on XXXX XXXX with big picture loans. After applying I was told I was approved for {$1000.00} with a {$500.00} finance charge. I was not given a truth in lending disclosure until after the transaction was complete where I saw that it was actually {$1000.00} with {$7000.00} in finance charges. My contract says that I have 15 days to be late before any fee is applied and to pay off the initial balance which would only be {$1500.00}. I tried calling big picture loans to extend the payment date to next week to where I would just pay off the entire XXXX and they refused to stop the payment. The contract says that payment can be changed to business days prior. I did stop payment with the bank but was told that if they change their vendor name by even XXXX number that they still may be able to take the payment out, even though I called on the XXXX which was three days prior to the due date on the XXXX and told them that they no longer had permission to debit my account. unfortunately the contract only opens in my online account and can not be saved

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am repeatedly receiving a collection notice from Transworld Systems , Inc. regarding a debt owed to XXXX # XXXX in the amount of {$61.00}. When I call XXXX, I am told that I do not have any balance due. XXXX has noted this on my account. Transworld keeps sending me these collection notices, however. When I attempt to call Transworld, I get put into a call queue, which then dumps into a voicemail, and no one ever answers or returns the call.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with NRA Group, LLC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I initially entered into an agreement with XXXX XXXX on XX/XX/XXXX. 

Due to financial hardship, this account became delinquent and I subsequently received a collection letter from XXXX XXXX XXXX XXXX for {$230.00}. 

This account was submitted to my credit file on XX/XX/XXXX by XXXX XXXX XXXX. 

I submitted a certified dispute letter to XXXX XXXX XXXX XX/XX/XXXX. 

I never received a response. 

I submitted a 2nd dispute letter on XX/XX/XXXX and informed XXXX XXXX XXXX that they were in violation of the Fair Debt Collection Practices Act. 

I never received a response back from them. 

This account has surpassed the year statute and it is still being reported negatively on my XXXX account.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I did not realize the Equifax had been compromise. I believe my ssn has been compromised. I checked on their website on XXXX XXXX and it said I may be at risk. I did not give them permission to release me private data.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Unsolicited issuance of credit card

Complaint: I received an unsolicited credit card from Chase and called them to demand that it be cancelled and make sure it is not added to my credit report. I called the XXXX credit reporting companies to report, but had difficulty with their phone menu. I reviewed my current report via the free website and did not see the card listed, but there was an inquiry from Chase to my account on XX/XX/2016. 
Chase said someone from their fraud dept would " reach out '' to me, sending some document that I was to complete and return to them. That has not come. I wrote a letter to Chase and the XXXX companies which I will attach to this complaint, if possible, insisting on a written statement from Chase that the issue has been fixed and asking for a security freeze on my report with the XXXX companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been mailing my mortgage payment to Ditech for three months and each time the payment is mailed back to me with no explanation. Upon calling Ditech, I am being told I did not include the late fee and per FHA if all fees not included the payment can not be processed and must be returned to the homeowner. I then include the indicated late fee with the original mailed payment and mail back to Ditech only for the payment to be mailed back to me with a new late payment fee that was n't mentioned before. This has occurred three times resulting in my mortgage now being late for several months. I feel Ditech is purposely causing my mortgage to fall behind in an effort to foreclose on my home. My loan was recently sold to Ditech from Greentree Mortgage and since being with them I have had nothing but problems. My loan was modified with Greentree about two years ago. I can not believe I am having this much trouble mailing in my money for my mortgage payment. I have never heard of this so-called FHA new rule Ditech is speaking of and nor have I ever had my payments returned for late fees. The XXXX payment in the amount {$600.00} was returned to me XXXX/XXXX/17 and per the representative, XXXX, Ditech wanted two months payments and that was the reason for the return. In XXXX I mailed {$1200.00}, which was returned to me. I phoned Ditech and spoke with XXXX, she indicated the late fee was not included and that was the reason the payment was returned. I included the late fee and mailed back to Ditech in XXXX. In XXXX, the payment was returned again to me. I contacted Ditech, spoke with XXXX XXXX on XXXX XXXX, 2017, she indicated the payment was returned because I mailed {$1200.00} and the payment is now {$1300.00} I am not sure what or where the fees are coming from. With the returned check there is no correspondence explaining the reason the check is returned. I have to call and find out each time what is going on with my mortgage. This is ridiculous. Ditech is holding the payment for a month and then returning the payment for non-payment, when in fact I am mailing the payment and they are sending it back to me. I do not want to lose my house because of a corrupt mortgage company or system.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation