milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2017 about Credit card or prepaid card (Government benefit card) with Comerica (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: Greetings, I 'm a payee for my son  XXXX   XXXX , who was incarerated sometime in  XXXX   2017 . When I learned of his incarceration immediately contacted  the SSI offic e and requested his check for  XXXX   XXXX   2017  be stopped. I learned on  XXXX / XXXX / 17  that the checked was issued. I never received these funds. I immediately went to th e SSI. And asked why did n't the rep stop the check like I requested, she had enough time to stop the check, Ssi  was very evasive, so I contacted  Direct Express  and spoke with  XXXX  employee number  XXXX , she could not answers my questions either, so I was transferred to le vel 2  and spoke with  XXXX ,  XXXX ,  XXXX ,  XXXX . Neither of these people could or would not give me an address where the transaction for  XXXX  took place. I need to know an address where someone went at  XXXX   XXXX  and took money out of this ATM. I need to get to the bottom of this. So those responsible will be held accountable for theft. I would like a through investigattion into who took this money out of this ATM, and the location, th e Ssi is  trying to hold me Responsible for something I did not do. I will be filling a police report regarding this matter.   I am very up set. I asked the reps from Direct Express who regulates them! They would not disclose this information to me. I found that very upsetting. I want those responsible for take that money held to answer, and that money returned to t he SSI loc ated at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX . I 'm very saddened by this situation, that someone would take advantage of my son being in jail and steal the money. When it should have been sent ba ck to SSI. Tha t was my sole purpose of contacting them so the check could be stopped. Please help me resolve this urgent matter.   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Debt collection (Medical debt) with Choice Recovery, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a medical Debit on my credit that i have no association with. The date assigned was XX/XX/2015 by Choice Recovery Inc for {$400.00}. I have never seen this  account or done business with Choice Recovery. I have disputed this with other bureaus and it has been removed, but seems not to be removed from 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 11-10-2017 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: Account information incorrect

Complaint: I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from XXXX XXXXThe company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of XXXX following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with XXXX, as the creditor has once again revised dates, substantially changing the reporting. 
XXXX refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.

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 10/28/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MI).
Issue: Trouble during payment process

Complaint: OnXX/XX/XXXX I received a letter in the mail that stated that Loan care my mortgage company purchased insurance because I did n't have any on my property XXXX XXXX XXXX XXXX MI XXXX. After several hours on the phone and several different operators I was informed that my insurance payment was do on theXX/XX/XXXX and they ( Loan Care inquired the loan on XX/XX/XXXX. So there for the old mortgage company did n't pay the insurance out of my escrow account and therefore insurance was n't renewed. immediately I had to call my agent and acquire new insurance from a new company do to know fault of my own. At the time the new insurance was acquired I was informed that the may prorate my insurance that they bought for me for the period that I did n't have any insurance. Several times while I was on a three way call I informed the operator it was n't acceptable for them to prorate the insurance that they bought for XXXX but would be acceptable for them to prorate the insurance that I bought for! XXXX I was informed at that time that nothing could be done with that at that time because they may not even keep any money I would have to wait 2 weeks. approx. 2 weeks later onXX/XX/XXXX I had plenty of time to look into what had occurred and I called them back to inquire about the money that was prorated. After talking to several operators again I was told there was nothing that could be done I would have to go after the old mortgage company. I asked several people who my old mortgage company was so I could contact them because I only showed them ever owning this loan since a year ago. She told me she could n't help me but she would transfer me to someone that could help. After talking to the next person she informed me that she did n't know what they were talking about Loan care has owned this mortgage since XXXX. I then explained to her that I beloved there was fraudulent activity going on in my escrow account and she recommended me talking to the resolution department. On XXXX the XXXX I was on hold with the resolution department and she stated she would look into this matter but agreed they did in fact own the mortgage and neglected to pay the insurance by what she could see. She at that time told me there would be a resolution to this probably by today by the end of the business day or no later than XXXX. Without saying nobody contacted me back by XXXX and I made contact with them again trying to get a resolution to this fraudulent activity that appeared to be going on. During this process I also inquired to them about my escrow balance that did n't seem to be right but they had no explanation.

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 06-01-2015 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Other

Complaint: Hello, My wallet was stolen on Saturday, XXXX XXXX. Within XXXX minutes of this happening I had a fraud charge alert. I handled it with my bank, and cancelled my other accounts. 

The reason I 'm writing is that less time that it would have taken to drive to the Target in XXXX XXXX, they had spent almost {$300.00}. Last year I was the victim of the Target theft that happened to many people. The only charge was about {$90.00}, also at the Target in XXXX XXXX. 

These are the only times I 've experienced credit/debit card fraud.. and they both had charges at the same Target in XXXX XXXX , California. 

This I find odd, and I do n't believe in coincidence. I just wanted to bring it to someone 's attention. It seems far fetched that the XXXX times in my life that I 've had issues, where in the same place. I had not been to the Target in XXXX XXXX on either occasion. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (I do not know) with Nationwide Recovery Systems, Ltd (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Nationwide Recovery Systems  calls daily with harrassing calls. The caller will not provide any information about the reason for the call unless I provide them " required '' semstive personal identifying information.     The callers state different versions of what is " required '' and are aggressive and rude.     I state that I do not provide identifying information to strangers calling my home and ask them to stop calling my home.     The calls continue- sometimes twice daily - and today I was told that the calls will not stop until give them the " required '' personal identity information.     I do not have any past due obligations of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Payday loan () with CURO Intermediate Holdings (KS).
Issue: Can't contact lender

Complaint: i keep getting phone calls everyday from speedy cash they have already called XXXX times so far this month it started in XXXX of 2015 XXXX calls were made too us XX/XX/XXXX XXXX calls were maded too us XX/XX/XXXX XXXX calls were made too us the number is XXXX their saying their speedy cash

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I typed one letter informative letter dated XX/XX/XXXX about the incorrect information they have been providing on my credit report. Also I sent proper documents verifying who I am, and dispute form with the false information ( addresses, phone, numbers, name ). Along with follow letters, and phone calls up to now. The year is XX/XX/XXXX and the same incorrect personal information still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Trouble during payment process

Complaint: My mortgage was transferred to this company in late XXXX. I sent them a payment, I am currently under a bankruptcy process here in NY. My original loan provider, XXXX XXXX, XXXX. sold my loan to this POS organization. I am required to send payments under a trail period before XXXX XXXX would agree to a permanent loan modification. Rushmore has claimed to never received my XXXX payment thus putting my permanent loan modification at risk or in fact now cancelling it out because they claim I never made the payment, which I did and have proof of. 
The payment amount was {$970.00} and was delivered to these XXXX onXX/XX/XXXX, I have the XXXX XXXX Mail receipt to prove they received it and a copy of the bank check stub that was sent in payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax re-inserted false, previously deleted information to my credit report. 
XXXX is reporting false information that we previously deleted due to false and incorrect information. Equifax altogether failed to notify me in writing within 5 days or reinserting and re-again false information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX 2017 I learned that my personal information including my SSN may have been compromised by Equifax. This is absolutely ridiculous. They took 2 months to notify the public of this massive breach which affects half of Americans. They needt o be held accountable for their actions and inactions. They hold the most sensitive information for consumers and do not hold it securely or with integrity. They are only offering free credit monitoring for one year ( and only with opting out of a class action lawsuit ). Our SSNs and DOBs stay with us for over a year ... are we expected to continue paying for their mistake for the rest of our lives?

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I checked my credit alert and found a hard inquiry from EMS XXXX Equifax Mortgage Services XXXX. I tried to call this business and it is listed as closed. I have hard inquiry on my credit report as recent as XXXX/XXXX/15. I am afraid this could be an attempt of identity theft. The phone number provided is not working. I tried to look for another phone number. Here is the company info EMS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX has been asked by myself and an attorney friend to furnish a complete list of charges and how they came to that amount from an apartment I left in 2011. They claim I owe {$2300.00} or so but in the years and years I 've been contacting them they refuse to furnish a complete list of charges. They can not explain how they came to the amount they did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files. 

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well. 

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts. 

If we don't receive the cooperation, we will file a small claims court action to protect our rights.

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 06/26/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stole my personal information and identity. I am a victim of identity theft. The following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : 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 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I applied for IBR and was told on the federal website that my payment would by {$120.00} total. Navient bills me nearly {$200.00} between 2 statements. No one can explain why the difference and they acknowledge that it does n't sound right when looking at the income information. I had similar income and paid right around the {$120.00} IBR amount when my accounts were serviced by XXXX. Each time I complain that it is wrong and I ca n't pay the invoiced amount, they put the account on a " hold '' or deferment and that only adds to my balance and is n't a solution. Last time I spoke with them they suggested I consolidate my loans to get a lesser payment, but ca n't tell me what that payment would be or why refinancing in a consolidation ( which I do n't want to do ) will help. I have never had anyone at Navient be able to explain why they are not honoring the information I received on the federal webpage when I applied for IBR. I feel like they are trying to increase my balance and force me into default. I 'm sure this is a mistake on their part and they wo n't correct it.

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. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Equifax exposed my personal data and that of my family. Now they are charging {$30.00} for a credit freeze necessitated by their own error!

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Payward Ventures Inc. dba Kraken (SC).
Issue: Other transaction problem

Complaint: XXXX is a virtual currency exchange that at this point in time, XX/XX/XXXX, has been down 40 hours. There is no way to contact them either by phone number or other way. My entire investment, $ 9k-12k depending on daily market swings, is currently unavailable. They are claiming thst they 're doing maintenance but this is highly suspect. No true company takes their trading platform out for 40 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (IA).
Issue: Account opening, closing, or management

Complaint: I have a Health Savings Account with Wells Fargo. We were told that it is being transferred to XXXX XXXX on XX/XX/XXXX. XXXX XXXX sent a new card and instructions to log in to my account, which I was unable to do. I called both XXXX and Wells and discovered that somehow my account is associated with a completely different birth date. My birthday is XX/XX/XXXX. The birthday they have is XX/XX/XXXX, completely different and not a typo. This is very suspicious. We are trying to go back over the account history to see what has happened. Can you help us verify that this is an innocent mistake and not something more serious. I do n't want my social security number associated with a different birth date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Money transfers (Domestic (US) money transfer) with NETSPEND CORPORATION (TN).
Issue: Fraud or scam

Complaint: my personal checking account was hacked and all my funds were transferred to someone else account without my knowledge or authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have an FHA mortgage with SPS Servicing. I went through a trial modification and was offered a modification that was not acceptable. I have asked for alternative foreclosure prevention that they outlined in their correspondence to me. When I asked about it they said they would not work with me on any of the alternatives. They failed to follow FHA guidelines while foreclosing as they have not offered to meet with me face to face to discuss my modification or alternative foreclosure prevention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I started seeking a loan modification at the begining of 2013. I have submitted all the documents requested for modification. Every time there are excuses from my servicer for incomplete documentation. Recently, I submitted all the documents they had asked and someone called to inform me that I do n't qualify because I have $ 300+ remaining after all expenses. I got divorced few years ago and I have XXXX XXXX I am taking care of. I do n't want to loose my house to foreclosure and I need assistance from CFPB to help get loan modification so that I can remain in my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (WI).
Issue: Managing, opening, or closing account

Complaint: Starting XXXX, XXXX 2015 Rushcard stated that they are updating their systems and it would take XXXX hours. Days pasted and none of my funds was available. I call and they would hang up or keep me on hold for more than XXXX hours. It is now XXXX XXXX, 2015 and as of today I still can not access my paycheck from XXXX XXXX, 2015. This has caused financial stress on me with the issue of paying bills and having money to get to work and eat daily. For the past weeks I had to stress over how I am going to have enough gas to get to work. Today I called and was told that the system is yet again down and my account has went from {$500.00} to {$0.00} XXXX times today. On the occurrences that I seen money available I went to the ATM and get invalid responses and is told to contact my financial institution. I call them and they have NO answers of the time frame, its been 2 weeks. All they ask for is your number so that they can send you a text when the system is fixed. When I asked to speak to a manager I was put on hold and never returned to. The HARDSHIP this has caused for me and so many lower class citizens in America is unfair and should be unjust. There has to be some why this can be avoided in the future. Currently I am at home with {$10.00} in my pocket that I can not spend because it is my last. What do I do next week up until payday?

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with West Virginia Housing Development Fund (WV).
Issue: Loan servicing, payments, escrow account

Complaint: West Virginia Housing Development Fund ( WVHDF ) is incorrectly reporting balances on XXXX XXXX credit reports. They either need to delete XXXX XXXX completely or make the balances correct. I personally have a mortgage with WVHDF and on a monthly basis I have to dispute the incorrect balance. I also work for a bank and can see other WVHDF customers incurring the same issue.

Company response to consumer: Closed with explanation