milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-04-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and I am disputing the following unauthorized and fraudulent inquiries on my credit report : XXXX XXXX XXXX, XXXX/XXXX/16, XXXX XXXX XXXX, XXXX. The unauthorized inquiries do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: Discover Card had issued credits back due to unauthorized charges and non receipt items. Items include XXXX XXXX # XXXX {$1600.00} XXXX XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX # XXXX {$1900.00} XXXX {$2700.00} XXXX XXXX {$350.00} XXXX {$150.00} XXXX {$3800.00} XXXX {$600.00} XXXX XXXX {$130.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$460.00} XXXX XXXX {$60.00} XXXX {$720.00} XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$190.00} XXXX XXXX {$500.00} XXXX XXXX {$400.00} XXXX XXXX {$370.00} XXXX XXXX {$340.00} XXXX XXXX {$230.00} XXXX XXXX {$460.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: To who this may concern, XXXX/XXXX/XXXX My name is XXXX XXXX, I have contacted your company before due to our mortgage company not following guidelines about our modification. XXXX bank seems to have done it again, and refused our payments and according to the FHA guidelines if we live within a XXXX miles radius of one of their offices the company is to send an agent for a sit down conference, this never happened and we live within a XXXX mile radius of a branch in XXXX Michigan. Instead we had our payments refused on and off since XX/XX/XXXX, then XX/XX/XXXX, refused again in XX/XX/XXXX and then accept it again XX/XX/XXXX, and then refused the entire rest of XX/XX/XXXX only to have the payment accepted again XX/XX/XXXX. Our mortgage was then sold to Planet Home Lending who is a debt collection company and has also refused our payments from XX/XX/XXXX all the way up until XX/XX/XXXX and we were told they were attempting to collect a debt we would not have had if XXXX had just accepted the payments and followed the guidelines they were required to by law, Planet Home Lending then did a trial modification for 3 months, XX/XX/XXXX to XX/XX/XXXX. When that was done our payment in XX/XX/XXXX was refused, when asked why this happened, I was told by XXXX XXXX the modification was accepted, we then received permanent modification papers to be returned no later than XX/XX/XXXX with the first payment, which was n't due til XX/XX/XXXX, however we are also being charged and additional {$5100.00} for legal and attorney 's fees. I do not believe we are responsible for all this, due to the fact we made our payments on time and monthly, the payments were refused. We are now responsible for extra fees we did not cause and we have been placed with a debt collection company for a debt we did not accrue. I have all the documents to prove we made our payments and we even had to hire an attorney to explain why this was happening. I am at my wits end our payments have increased over {$100.00} a month, and we were not in the wrong or at fault for this to happen, how can a company cause this kind of issues and get away with it? 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 08/23/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Struggling to pay mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ) .We have been advised that the loan does not qualify for a loan modification due to the income submitted showing the ability to afford. The client income submitted is roughly 10,000. with expenses around 8,000. We feel the lender has failed to take in to account the borrowers change in circumstances and ability to now pay due to the change in hardship. We feel the lender has handled the file improperly and failed to consider all factors.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I never attended college in XX/XX/2014 so I do not understand these late payments. I never received any bills or statements.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Other debt) with ERC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Attempted to establish service with XXXX. Was then told I had a prior balance. I paid balance. I get a notification from my credit monitor that ERC has a collection account for XXXX. ERC never sent any communication about collecting debt or taking action. I never paid ERC, I paid 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 01/23/2016 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: This debt was acquired by a individual who I was going to move with, so we filled out the forms for the apartment and he gave a deposit check/ by the way his name is on that account only, not only that the apartment application was denied because of debts on his credit not mine soooooo I don ; t understand why they think they cn naow put this on my report when i was not denied the apartment as well as i did not give them the check so how the XXXX is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I logged in to check my transunion credit report on XXXX XXXX and all of my inquiries were deleted, upon checking my credit report again on XXXX XXXX i see the inquiries have been added back to my report without my knowledge and has caused my score to drop.

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 03/22/2015 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX i filed for XXXX and noticed that i am a victim of XXXX. Someone took out a personal loan/loans using my identity. there for ruining my credit. in XX/XX/XXXX.It has been going on since XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX.collection account placed on my credit in XXXX of 2015. I have never had a XXXX account and have found several similar instances of this happening with XXXX to people all over the U.S. my cell provider has been XXXX or XXXX for the last ten years. I am considering having my attorney file suit against both XXXX/XXXX and the collection company if they do not get this corrected EXTREMELY QUICKLY.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NAVY FEDERAL CREDIT UNION (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent the naval federal credit union statements showing late fees and they have not confirm receipt as request and they keep stating i have not provided any or responded to their request when I have more than once and I more than one, the change the credit term about a loan I requested, they have done nothing to get the unfair reporting to the credit company which has been add to my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 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: Old information reappears or never goes away

Complaint: I contacted XXXX to inform them that the date of delinquency in this account was the first day after I missed a payment which was XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above yet ... They included fraudulent information on my credit report to default the loan at a later date so the status of limitations can be manipulated. XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Other debt) with LJ Ross Associates (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: XXXX  sent an account to collection for {$91.00} stating that it belongs to me. I did not get any written notice or phone call about this debt. I have no knowledge of any past due owed to  XXXX . I should have been notified if anything but instead they sent this account to collection. I tried many times contacting this collection agency to validate this debt but I get nowhere. I have called and written letters. All I see is an account  XXXX  on my credit that has impacted m y credit score. I 'm more  then happy to clear this account up even if it 's not mine just to get this account removed. I just feel like I should have been contacted either via phone or mail about a past due / collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified Consultants claims I owe XXXX to XXXX XXXX, this is the second collection agency to attempt to collect on this debt. The previous agency whom I do not have the name of, referred the account back to XXXX XXXX, realizing the debt is not valid/fraud. A previous complaint was filed about this matter against that collection agency, Diversified Consultants seems to have bought the debt from them or was sent directly from XXXX. As I stated before in previous complaint, I have never had cell service with XXXX and the amount, XXXX is extremely high even for a family plan as I suspect it is. Neither collection agency has provided a detailed bill of amount owed, just a letter claiming I owe it. It appears a cousin with similar name, XXXX XXXX, open an account using my social. I use a middle initial in my name, XXXX XXXX XXXX. He no longer lives at my address and this is the second case of fraud I have encountered since he moved out. As stated before, this is an outrageously high amount and is very suspicious as I think additional bogus charged were added on by collection agencies for themselves, there is no detailed bill explaining the charges. Again, it is also fraud and will not pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: XXXX hard inquires still on my credit reports all from XXXX, XXXX/XXXX/XXXX. These are almost 2 years old. Also from same company on XXXX/XXXX/XXXX, and again on XX/XX/XXXX.Reports to all XXXX credit bureaus

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 12/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Struggling to pay mortgage

Complaint: My complaint is that I did a loan modification sometime ago and we were fine until our interest rate started going up. That 's why we got the modification in the first place. We are on a fix income and my husband is XXXX. I reported this to XXXX XXXX XXXX. 
and now they 're saying apply for another modification! This is not fair for them to keep raising interest rate when we 're on a fixed income and pay on time every single mo. and now this will cause a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Student loan (Private student loan) with Red Bishop LLC (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I was told by the Federal Student Help, that they would help me to consolidate my student loan at a low monthly fee for a period of 10 years. I had to pay them a fee of {$750.00} only to find out that they sent all my personal information to another company. When I ask this other company how they got my information, I was told either I contacted them or other agency sent them the information. The company that 's now handle my student loan informed me that I did not need to pay anyone for this service it is free to all.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I went from owing {$800.00} ( something ) to owing {$1200.00}. The interest on the loan is@4.75 %, even with missing payments, it does n't justify the increase in the loan amount. Also, I can no longer see what was owed when payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other transaction problem

Complaint: I have been investing in cryptocurriencies using XXXX for a while now. I file taxes and do everything legally in the matter. Just last week, my bank - Capital One - without informing it's customers decided that it would no longer allow me to spend my money as I wished to by blocking all funds transferred into XXXX fro capital one accounts. Even though the USD is being put into an FDIC backed and US Treasury approved bank in the US which XXXX uses.The disgusting thing is that they will allow me to move funds from XXXX into their bank, but refuse to move money out of their bank into XXXX (XXXX means the US bank that XXXX is using). This strong arming tactic in controlling the way I legally spend my funds is beyond absurd and would not have been expected in this great nation. I can purchase XXXX and XXXX which slowly XXXX a person, or gamble it away at a casino, but I cannot invest it in a state and federally regulated manner into an asset that is clearly approved and taxed? I hope the CFPB will take note of this and correct these illegitimate actions of Capital One. The money is my hard earned money that should be allowed to be spent however I would like, provided it is legal, without a bank preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (MO).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: the number they are calling is my work cell phone. I have repeatedly ask them to stop calling me at work, the caller apologizes then an hour later another call. this company also calls my house at least 15 times daily without leaving any messages. I have asked to speak with a supervisor each time the caller hangs up on 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 10/16/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I purchased this car from a dealership and was basically haggled into getting a car for more than what it was originally worth. I was given a ridiculous interest rate and then I found out that the interest is compounded. So for a car that is actually only worth XXXX I am going to end up paying 25,000 give or take. The original car loan was for around 11,000 plus the warranty. The dealership and the place that approved my loan some how came up with to horrific numbers that are now haunting me every two weeks just so that I can get caught up from being out of work and missing One and a half payments when I XXXX XXXX and XXXX XXXX XXXX I have been paying multi-payments per month for over a year and for some reason my balance never goes away. I am struggling to make ends meet because of this car that I was suckered into buying at a price that is not what I deserve to be paying. the early buy out is still at XXXX, which is more than what the car is worth and no one will refinance or trade in. I have already spend over that much since purchasing the vehicle in XX/XX/XXXX. My original payments were set to be XXXX per month and I am now paying XXXX every two weeks and the balance is not going away like I feel that it should. They are basically saying that I am still two months behind when I only missed one full payment over a year ago. I really need help with getting this taken care of and hopefully lowering my payments. Please help me as well as you possibly can.

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiry I never authorized and I was not aware of. 
This is the inq. reporting on my XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Inquiry from 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 07/27/2017 about Money transfer, virtual currency, or money service (International money transfer) with XOOM CORPORATION (TN).
Issue: Other transaction problem

Complaint: This is what happened leading to this ordeal. I tried to send money to my mother in-law, XXXX XXXX using Xoom.com in the XXXX for {$1500.00} on Saturday, XX/XX/XXXX. I initially sent {$1000.00} using my XXXX XXXX Checking Account but realizing that my mother in-law needed {$1500.00} I sent another {$500.00} minutes later using the same XXXX XXXX account. The first remittance went well without a glitch. But by the following Monday, XX/XX/XXXX I realized that I have an email from Xoom.com that the {$500.00} remittance was pending approval upon review. I called Xooms customer service and verified all the needed information regarding the last remittance. While during my phone call to Xoom I have found out that my account was temporarily put on hold pending verification, so I was not able to log-in into my Xoom account immediately. After the phone call, I went to check my Xoom account online and was prompted to the quick send page of the account and made the mistake of sending another batch of {$500.00} again to my mother in-law. Realizing this blunder, I called Xooms customer service minutes later to plead to them to cancel the last remittance but to no avail. They have said that they cant cancel the last transaction as it was already being processed. I have spoken to at least 2 more customer service reps to plead my case to no avail. I have told them that there will not have enough money available to cover for the extra {$500.00} I mistakenly sent for. Frustrated by not having the results I wanted I emailed Xoom hoping for a better outcome. But same results, Xoom will not budge. So as a direct result of this, by Tuesday, XX/XX/XXXX, I was charged {$70.00} by XXXX XXXX XXXX for overdraft fees. I called Xoom again yesterday, Wednesday, XX/XX/XXXX regarding my case and have found out that they have tried to cover their tracks by saying that I made my phone call to cancel over the 30-minute window. I made a printout of email correspondence from Xoom as proof of the cancelation request with time and date ( the email from Xoom acknowledging my request to cancel is dated XX/XX/XXXX at  XXXX ). And so, prior to the email cancelation request I have called Xooms customer service and according to Xoom they have records of my phone call so it would show that I was with in the 30-minute window.

Company response to consumer: Closed with explanation