milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Trouble during payment process

Complaint: My mortgage servicer is Roundpoint. I have had ongoing problems with their escrow and insurance department. Recently, they increased my monthly payments, claiming it was because my insurance rate went up. However, my policy with my insurance agent was set to expire on XX/XX/XXXX, and I am not renewing with that company. I notified Roundpoint of this, and the agent I spoke to on XX/XX/XXXX, XXXX, claimed that their insurance department received a statement from the insurance saying that my insurance was going up {$200.00} per month. 
I contacted my insurance agent and confirmed that this never happened, and that the renewal estimate they sent me ( not the Mortgage company ) was nowhere near a {$200.00} increase per month. 
When I spoke to XXXX in the insurance department on XX/XX/XXXX, they claimed the increase was for another home owners insurance policy from another carrier ( XXXX ). I had trouble confirming the policy with that carrier, and had never authorized Roundpoint to pay them. My policy had been through XXXX the whole time. I asked Roundpoint for some proof that I authorized them to make a payment to XXXX, and they could n't produce it. The agent event stated that there was no record that they ever sent me any written documentation or confirmation of the change ( email or regular mail ). She stated they had left me a voicemail message 4 months prior, and because I had not responded to that, they decided to pay and enact the new policy because it was a lower premium, despite no authorization from me. Then they claimed that they were increasing my payments {$200.00} per month to cover the money they sent XXXX, again which I never approved, never authorized, and they NEVER sent me anything in writing to document the change.

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 12/19/2016 about Debt collection (Medical) with Fresno Credit Bureau (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have XXXX accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. XXXX of the accounts are Fresno Credit Bureau XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX)

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have a paid State tax lien and it is suppose to come off XX/XX/2017 and it is stopping me from getting a good interest rate on a home. I have disputed many times with no call back no report it just says lien verified.

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 PMR Progressive, LLC (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. 

XXXX ( paid in full ) charge off, I have never had a XXXX card and refuse to shop there! Complete and utter fraud. Along with PMR Progressive which is from XXXX XXXX XXXX? I have only ever had service through DWP ( dep. water and power ), I do not nor have I ever had XXXX XXXX XXXX and want this removed immediately.

Company response to consumer: Untimely response
Consumer complaint received 11-05-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XXXX/XXXX/15 on EQUIFAX. I did not authorized anyone employed by or at this company to make any inquiry or inquiries and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX, I received a credit report alert from XXXX that a public record is being reported on my Equifax report.Equifax removed the bankruptcy on my credit file in XXXX. Called the Equifax Consumer Affairs Directly @ ( XXXX ) XXXX and spoke with a woman by the name XXXX XXXX she was very pleasant, after explaining the incident I was told to fax all documents in supporting my claim. I explained to her that all that was on file to only be told to fax again. Called back because I misplaced the fax number and spoke with an XXXX I was told by XXXX that she could n't speak with me because I was being presented by an attorney and I explained to her that that was n't true. After going back and forth she said she could dispute the item and when I said ok she placed me on hold and then said she ca n't because she does n't have to because it 's within a " 10 day '' period. I explained that I was never notified that the bankruptcy was going to be placed on my credit prior to this being put back on my credit file Per the FCRA " If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. '' I was told that the investigation was just concluded in which it was 90 days later. XXXX could 've been new to her role because she did n't know what XXXX she was talking about she kept placing me on hold. Their customer service is horrible and that 's why they 're getting sued. Basically, My call was based on a previous complaint I filed with CFPB # XXXX against Equifax they were reporting another deleted account on my credit file and they should n't. After their investigation, they responded with a letter stating that they deleted this item. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here is the supporting documentation notice on the last document it states contact XXXX but the document before that one is from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: dispute has been ongoing for more than 14 months

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Payday loan) with Enova International, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt collector of CashNetUSA have been calling me multiple times, 3 times a day. Everyday they call me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Closing/Cancelling account

Complaint: I received a letter from Wells Fargo saying that the volume of activity on my account was suspicious and if it continued they would close my account. I stopped using the card the day I received the letter, but they still closed my account. I would like for the account to be reopened.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: On XX/XX/XXXX, 2017, I transferred a balance from a XXXX XXXX to a XXXX card offering a better interest rate. By the end of the month it was shown reflected correctly by two of the three credit bureaus. TransUnion to date has not corrected the balance to the visa card, despite filing 6 disputes through XXXX and one filed directly with them. I have contacted my bank twice and they assure me that they are indeed reporting the update to all three credit bureaus. Since two have managed to report the change accurately, I believe my bank. Transunion meanwhile is reporting the transfer to XXXX, however is still reporting the same amount still owed to XXXX. Needless to say my Transunion score is about 100 points less because of excessive credit card use.

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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DriveTime (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Drive Time  XXXX  received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE  XXXX  CREDIT REPORTING AGENCIES  XXXX ,  XXXX , AND  XXXX . The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment  XXXX  has yet to honor the terms of applying the payment. I am requesting that ALL (  XXXX  ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.

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 06/13/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account which had a sign-up bonus of XXXX XXXX miles after meeting some requirements. Once I met those requirements, I contacted Citi to see where my miles were and they told me that I did meet the requirements as I was supposed to, however, they were not going to honor the XXXX XXXX miles because I was n't targeted for the promotion. I have a screenshot of the promotion that says I am targeted, so I do n't understand why they would say that. It seems like they just do n't want to give me my miles.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: SITUATION On XXXX XXXX, 2017 in response to the XXXX breach, I went online to the TransUnion website to initiate a security freeze on my account. I had to submit confidential information including my social security number, credit card information, and pay {$10.00} for the request. 

COMPLICATION After providing all the information requested including my {$10.00} fee, I was notified online at the end of the transaction that it did not go through, that the information I provided was not correct. 

HOWEVER, when I contacted my bank they said that TransUnion immediately deducted the {$10.00} from my account. I received no indication by email that the transaction went through, in fact I was told it failed. 

I tried calling customer service and several other XXXX numbers listed by TransUnion only to discover that the phone numbers were not in service, even though a voice comes on saying Welcome to TransUnion. Then it goes into this mode : The number you have reached is not a working number.. Bottom, line : after 3 days of trying to contact TransUnion by phone, I have given up and filed this complaint.

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 08/30/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have told them i have nothing to do with this debt and to remove my name and number from the list. This is a loan that my brother has for school which payments are being made and they will not remove my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: One two separate occasions XXXX and XXXX my escrow payment increased. These increases caused my payment to have shortages. 
XXXX Issue : When this happened in XXXX I sent in the shortage amount and it was received before XXXX, but the offices were closed for the XXXX holiday and not credited to my account. This triggered a computerized non-payment ( 30 days past due ) process, because it was not in the full amount. All XXXX of the major credit bureaus were given negative 30 days past due remarks. I eventually got a supervisor from Freedom Mortgage to fix the problem and sent me a letter that the credit bureaus were notified to remove the negative remarks. Fast forward to XXXX and the XXXX 30 days past due is still there. I only noticed because once again something similar occurred. 

XXXX : Similar situation, escrow increase, I adjusted my scheduled payment for the wrong month. I did n't realize anything was wrong until I got the financial hardship paperwork, I was confused since I made all my payments. I called them immediately and they said I was short on a payment ( {$120.00} ) and they did not credit any of my payment. I was told it would not be marked late if sent in the shortage right away. I did this and obviously that was not good enough and I was marked 30 days past due ( even though they assured me I would n't get marked late with credit bureaus ), then I got hit for 31-59 days past due because they were just holding 2 months worth of payments and not crediting my account. I spoke CS everyday Mon-Fri during the month of XXXX. I was sincerely trying to deal with this problem, I even sent in the shortage amount again during the month of XXXX, which seems to be an over payment. I waited the entire Month of XXXX to get in touch with a supervisor, calling every other day with no luck. They called my house phone once while I was work even though I specified them to call my mobile number. For the last 2 weeks in XXXX, I never got a call back from a supervisor to address these issues. I was told it would take 2-3 business days by a CS rep eventually, but that never happened. There 's no way to call back a supervisor and every CS rep has a different supervisor so you have to go through the front line ( and the long process ) every time you call in and hope that a supervisor is available ( never ), or will actually call you back ( not likely ).

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX/XXXX paid in full and agreed to removal from all 3 credit bureaus. XXXX XXXX charged off but reporting twice okinus paid in full never late agreed to removal from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Money transfers (International money transfer) with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Money was not available when promised

Complaint: HSBC Bank N.A Is always confiscating money transferred coming through their XXXX payment Hub in XXXX and probably many other people around the world. They withhold the funds for weeks under the pretext of conducting Anti Money Laundering information gathering on the remitter/beneficiary and they use payment network inefficiencies and the multiple layer of intermediaries to keep the funds the longest possible time and most likely accumulate more and more interest on the unlawfully and indiscriminately confiscated funds. Although they are given the information by the intermediaries they still hold the funds. Worse HSBC NY continue to repeat this confiscation and asking intermediaries the same questions ( remitter/ben date of birth, Place of birth, Citizenship and ID ) over and over again. The bank maybe using XXXX profiling using remitter names ( i.e an innocent remitter/beneficiary with the name XXXX will probably get his money confiscated repeatedly over the years and for weeks, while a money launderer named XXXX XXXX may sail through their network with no issues. No one from HSBC N.A/N.Y has bothered to contact me to explain or help. For years this on-going bad practice by HSBC N.Y goes conveniently unchecked. No one from HSBC has bothered to enhance the system to populate the information they gathered about me from previously confiscated funds, i assume because it is not in their " INTEREST.!!! ''

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (OH).
Issue: Problems caused by my funds being low

Complaint: My name is XXXX and once again i 'm writing cause i clearly do n't like the the way i was treated by net spend executive XXXX this guy is guy is liar and a joke cause when i started to explain whats going he would hang up the phone when i called back he told that call dropped i find that highly unlikely being that we both were on landlines this is that old way of controlling the conversation he said he had called me back which was lie cause i pulled records this guy think he 's playing with kid i have enough colleagues frat brother i 'll boy cote this company I 've been with this company for 10 years and its said how i 'm treated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I disputed a Chapter XXXX Bankruptcy, which is reporting inaccurately on my credit report. I sent a letter to Experian ( EX ) dated XXXX XXXX, 2017. I received the investigation results from Experian dated XXXX XXXX, 2017. The bankruptcy record on my report " remains, '' according to EX. The details of my results state " the company that reported the information has certified to Experian that the information is accurate ... '' In this case, the company the information should have been reported to EX is US BKPT CT IN XXXX. However, I previously sent a letter to the Indiana Bankruptcy Court, asking how they verify information with the credit bureaus. The court state they have " no control over the information added to or appearing in credit reports maintained by credit reporting services ... '' In this case, EX should have contacted the court, but there is no certainty that the court certified the public record to be accurate since they do n't report to the credit bureaus. 

Also, I have completed security freezes with XXXX ( X/XX/2017 ), XXXX  XXXX XXXX ( X/X/2017 ), XXXX ( X/X/2017 ), XXXX ( X/X/2017 ), and XXXX ( X/X/2017 ). All documentations are attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Everyday I receive at least XXXX calls from Navient on both my cell and work number.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (I do not know) with Northeast Collection Bureau (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting harrassing collection calls on my cell phone for someone I have never met and when I tried to call the company to correct this i got a very profain recorded message and then they hang up. The only thing I know is thier phone number is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 10-02-2015 about Debt collection (I do not know) with Convergent Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Calls made to our home looking for someone who does not live here despite repeated attempts to ask them to stop.

Company response to consumer: Closed with explanation