milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2016 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Lenderlive has admitted to paying out almost {$1600.00} from our Escrow balance to the wrong Insurance company. Since then, and before we noticed the error, our loan was sold to another servicer. Now that servicer shows our escrow short, and is increasing our payments. 
I contacted Lenderlive on XX/XX/XXXX. They had the correct insurance company, amount and status listed, but acknowledged paying someone elses Hazard insurance. I was supposed to get a call back. By Friday XXXX, I called again. The supervisor had yet to start their shift and I was promised a call back, but XX/XX/XXXX or Monday XX/XX/XXXX. Still nothing. This money was essentially stolen from us and we are waiting for them to reimburse us or our new mortgage servicer ASAP. This money is in their hands somewhere since the other persons escrow most likely has an overage. This is the second issue I 've had with Lenderlive.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Medical) with Law Office of Charles G. McCarthy Jr. & Assoc. (NY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I owed a company XXXX dollars which the balance is now down to XXXX. I missed some payments and did not answer calls. When I did answer I explained I can only pay a certain amount a month. I was threatened by legal action called pathetic by the operator.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (IA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen does not report my mortgage payments to the credit bureau each month. I have called 4 times over the past 1 year and a half. Each time, Ocwen CORRECTS their system and my credit get reported for about one to two months and then stops again. I then call again and ask them to report it, which they do for about 1-2 months and then I call again. repeat this same process with ocwen each time. Please make them report my payments each month WITHOUT me having to call them and ask them to do what they are legally required to do!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Problems when you are unable to pay

Complaint: ALLY BANK BOUGHT A ILLEGAL CAR CONTRACT WITH A FRAUD AUTO DEALER IN NJ,THE DEALER COMMITTING ILLEGAL HARD INQUIRIES ON MY XXXX XXXX, EXPERTS IN THE NJ STATE ATTORNEYS OFFICE, HAS BEEN PROFESSIONALLY INVOLVED IN THE INVESTIGATION OF SELLING A USED XXXX, 2007'
THE XXXX, NJ XXXX DEALER HAD THE  AUTO TOWED TOO A JUNK YARD.
THE CAR WAS IN A ACCIDENT,UNDISCLOSED BY DEALER WITHOUT DISCLOSURES, THE DEALER ALSO CHARGED MY CREDIT CARD,$XXXX'I  I'M ON A NEW LEASE WITH XXXX,
THE BANK ALLY WAS TOLD BY ME, THAT I DON'T HAVE A CONTRACT WITH ALLY AUTO FINANCE DEPARTMENT.
I'VE HAD MAJOR PROBLEMS WITH ALLY BANK, THEY PAID THE DEALER FOR THIS CAR, EVEN THOUGH THEY WERE NOTIFIED BY ME,THE STATE ATTORNEYS OFFICE,CONSUMER AFFAIRS OFFICE
I'VE BEEN PROFESSIONALLY INVOLVED IN THE ILLEGAL USAGE OF MY CREDIT REPORTS
THERE ARE THREE MONTHS OF INVESTIGATION BY ME AN THE STATE ATTORNEYS OFFICE,CONSUMER AFFAIRS OFFICE INVESTIGATION DIIVISION,,MOTOR VEHICLE COMMISSION OF NEW JERSEY
CONTACT ME ASAP TOO DISCUSS THIS CAR DEALER BANK,,ALLY FINANCIAL DIVISION.
MY PRIVATE INFORMATION IS AVAILABLE ON MY EMAIL ACCOUNT OR CONTACT ME AT XXXX. ASAP
THANKS
XXXX
.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 2 hard inquiries that I don't recognize

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 11-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This is the second complaint being filed for this account. We submitted a loan modification and it was denied due to income as the lender in this case used income from 2 years of tax returns and not from the bank statements and profit and loss that was sent to them. After my dispute I was told they are allowed to calculate the income this way and my case with the lender was closed with no resolution. I was told to resubmit the file in which I did giving them 9 months worth of a profit and loss proving the income the client has exist and it is year round. We are now being told they will not review the most recent income and the loan does not qualify for a modification due to it being 3 years or more delinquent.

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 12/19/2017 about Debt collection (Medical debt) with Harvard Collections, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I checked my XXXX credit report today, XX/XX/XXXX ... I saw that there was an account from HARVARD COLLECTION SER ( XXXX ) and I have never received a written notice of them attempting to collect the debt. 

This is a clear violation of the FDCPA as they have to let me know within 5 days of acquiring the debt that I owe them, and this has not been done. 

I have disputed this item already with a previous debt collector as I am not familiar with the amount in questions.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (MO).
Issue: Money was not available when promised

Complaint: I was travelling in XXXX during the week of XXXX XXXX to the XXXX. Currently, XXXX does not conduct business with America banks or financial institutions which means my credit cards and ATM cards were useless. As a result, I had no money so I reached out to friends to send money via Western Union. XXXX sent {$540.00} XXXX XXXX as you can see from the screen shot attached. However, I was not able to receive the wire because I was told that only XXXX citizens can receive money via Western Union. Over the past 2 weeks, XXXX and I have made at least 10 phone calls and we get nothing but the run-around. They have not refunded his bank, nor will they allow me to pick up the wire at any local Western Uniuon locations. We 're both about ready to lose our minds. Any help you can give us would be tremendously appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I notified   XXXX   about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help 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 10-12-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problems caused by my funds being low

Complaint: They keep charging me over draft fee and matiences fee when I use my account for direct deposit told them I lost my card but still charge my account then say wellyou cant close it because of a balances well you have to pay it. instead of crediting all my money they credit what they think I should have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is not mines. I spoke with the company would not provide proof of this is my debt.

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 12-06-2015 about Credit card () with DISCOVER BANK (CA).
Issue: APR or interest rate

Complaint: I am retired aged XXXX years. I lost my job in XX/XX/XXXX. 
Now my main source of income is retirement benefits from social securityJob loss and XXXX surgery to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loan without any back payments. and defaults. 
My main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high interest APR. 
Requesting all the credit card companies to reduce my interest rate to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: BARCLAYS BANK DELAWARE is posting that my account is a charge off on XXXX and XXXX. i have disputed this account as fraud. The company will not send me any information on when it was open payment history or account info. they have not provided me with anything to dispute.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax was hacked and my information was compromised. I attempted to place protection on my account but was unable to do so. My cred report and any related information has been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: When I bought my home in 2015 the XXXX XXXX company was a paid prior to being a charge off and is reporting wrong. 
I am trying to get a fixed 30 year loan and this is now back on my report incorrectly please fix ASAP as I will not be able to refinance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/13 XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX SC borrowed money from XXXX XXXX XXXX, XXXX SC. Payments were not made and the account was sold to Midland Funding LLC. Midland Funding is attempting to collect the debt from me, I have informed them of the error but that does n't help. They continue to try to collect from me. I 'm an XXXX year old man totally debt free. My house, my cars and everything else I own is debt free.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (CT).
Issue: Other transaction problem

Complaint: I am unable to remove my stored XXXX credit card ending in XXXX that I had on file with XXXX XXXX XXXX for 2 cancelled subscriptions under the account number XXXX login : XXXXXXXXXXXX Please read my account number and email above so that you are looking at the correct account. This complaint is under my XXXXXXXXXXXX Google account. Please do not close this complaint without investigating fully. XXXX XXXX XXXX closed my original complaint but my XXXX is still there. I can see it now. See screen prints attached. 
Also I am unable to close my Google Payments Profile. All Google 's website links are circular taking me back to the same location indicating I can not close my payments profile or remove my credit card. I cancelled my subscriptions to XXXX XXXX and XXXX XXXX on XXXX XXXX, XXXX. I have tried for 3 days to call and email XXXX XXXX with no results. XXXX XXXX XXXX. is licensed as a Money Transmitter in my state of Connecticut. Representatives from XXXX, XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX told me that I must maintain a credit card on file even if I am no longer subscribing to any paid services, that I can not remove my XXXX until I replace it with another card, and to purchase a prepaid card. Additionally, my XXXX XXXX subscription was a " free trial '' subscription and the XXXX XXXX rep indicated due to " audit & compliance '' they must maintain my credit card on file but that it is encrypted and in cold storage. The screen prints below do not appear to support his assertion. This is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received calls from XXXX on the following dates and times at my place of employment : On Thursday, XX/XX/XXXX : XXXX XXXX XXXX XXXX Friday, XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Monday, XX/XX/XXXX : XXXX XXXX When they first called, they said that they were with ARA Associates and that litigation has been filed against me in my local jurisdiction for an unpaid debt. They said I owe XXXX XXXX XXXX {$4000.00} for an unpaid debt. Not only do I not have a {$4000.00} account with XXXX XXXX XXXX, which I told them, but I also pay for monthly credit monitoring through XXXX and I have never seen this alleged " debt '' on my account. I immediately knew this was a scam and told them not to contact me again. As noted above, they have continued to call me at the above times. I 'd like for them to be investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FROST BANK (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Frost Bank continues to incorrectly list a deposit account that is overdrawn on my personal credit report XXXX file attached ). They also list the account as an loan with monthly payments. This seems to be a dirty trick to try to get me to pay a debt I have already disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: Yesterday I started receiving emails from Wells Fargo Online stating I needed to sign into my online account to receive updated disclosure information. I received over XXXX emails but the link and last XXXX digits of the account number on the emails were not mine. I called and talked to their technical support and was told they could n't do anything last night as everyone had gone home. Meanwhile emails continue to come in maxing out my primary email address and then filtering into my back up one. The agent said they would look into it and get back to me. After numerous calls today, I was told it was an error and they could n't stop the emails and I would need to delete them all or filter them out. Since they were all received emails there was no way for me to filter them. I called my internet service provider but no luck, Meanwhile Wells Fargo did nothing to reassure me this was not a security breach and no one had my email addresses and information. They offered no compensation for my time and time spent removing these thousands of emails XXXX at a time. I also stated I was concerned as the customers who did not get these notifications but it did n't seem to be a worry for them.

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 11-04-2015 about Credit card () with TD BANK US HOLDING COMPANY (WA).
Issue: Other

Complaint: After reviewing my credit report, I discovered that Target has been adding new " Key Derogatories '' when I settled on this account two years ago. This is inaccurate and only serves to lower my credit score. I have been disputing this account for a few months now and Target has done nothing but damaged my score even more. There can not be ANY " payment history '' entries AFTER the account was paid because this is a closed account and there is no balance due. I am also attaching a copy of my credit report showing their updates in my payment history. Their inaccurate reporting is unfairly damaging my credit score and needs to be removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have a second mortgage on our home with PNC. Our first is with XXXX XXXX XXXX. We applied and received a loan modification from XXXX XXXX XXXX. Then we applied and were denied a loan modification from PNC. We appealed the decision and were denied again. Each time we asked to understand their basis for the denial and they refused to provide us with that information.

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. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: equifax did n't take appropriate measures to protect my SSN, DOB and full address. This greatly exposes me to fraud over the next several years. 

Having Equifax offer an opt-in solution for a single year is far from sufficient - because its easy for criminals to just sit on the data for a year before using it. Also since the protection is opt-in, you can count on low participation rate. I 'm sure Equifax knows all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was told by a store manager that if I wanted a Victoria Secret credit card that there would be no hard pull. I was told that there would only be a soft pull. The customer standing next to me at the next register was told the exact same thing - and it was a lie. 
This has hurt me a may be causal to a subsequent denial of credit a few days later. 
Had I not relied on what the store manager told me I would not have applied for the card. 
I was given no contract nor asked to sign any agreement. All I needed to do was prove my identity. 
Relying on the lie that the store 's agent told me resulted in a monetary injury to me. And I feel victimized and wonder who, in the future, I can trust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have tried for over 5 years to have  XXXX  bankruptcys removed from my credit that do n't belong to me   XXXX    and   XXXX   took care of right away transunio n still nothing I evem went as far to sending them the cover page showing it was n't me that I got from court ho use. The funny thing is they removed that name several years ago from my bureau because it was n't me ..My name is  XXXX   XXXX  Not  XXXX   XXXX   wrong last n ame wrong first name Please Help  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 explanation
Consumer complaint received 05-06-2015 about Debt collection (Payday loan) with Receivable Asset Management (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a message from a person who identified themselves as XXXX XXXX on XX/XX/XXXX. I had received notice from XXXX friends of mine that were listed as references that they had each requested information on my whereabouts who I no longer talk to. The representative called me the next morning and would n't identify the company they were representing until I verified personal information. They then indicated they were representing the company XXXX XXXX Loans. In XX/XX/XXXX I had taken out a small loan to support myself XXXX This condition has proven to cause further complications due to the continuous stress that 's been brought on due to my inability to be able to work my full-time hours. My doctor can clearly submit any paperwork needed stating this information. At this point, in order for my condition to improve anything that provokes stress in my life has to minimal in order for me to improve and receive repeated phone calls regarding this matter. The person identified themselves as XXXX XXXX from Kramer and associates law firm at phone number XXXX. I very much appreciate your assistance on this matter.

Company response to consumer: Closed with explanation