milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX is reporting to my Experian credit report against Hippa laws Privacy laws and laws that state clearly an medical collection can not be reported if it is being paid by my insc it was Experian is sharing this information that is protected by the hippa laws and the privacy acct MY medical records with any body who pays them My medical records are private and that incudes my medical bills account XXXX reported with a XXXX balance and is clearly a medical bill and it is illegal for them to report it.

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 11/20/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our Home in XX/XX/XXXX payoff our Nationstar Mortgage Loan. Nationstar is reporting a 30 day late and placing a derogatory history on my credit report. i have tried contacting nationstar with this issue but according to them, there is no negative reporting on their behalf. I am currently trying to purchase another home and this has affected my credit score. I have emails and the HUD 1 statement indicting that funds were sent and received.

Company response to consumer: Closed
Consumer complaint received 12/13/2017 about Student loan (Federal student loan servicing) with Financial Aid Network, LLC (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: when i was XXXX years old i applied to XXXX i enrolled in classes but never even went to a class because I did n't have any money to take the best do i never went. that was the year XX/XX/XXXX now XX/XX/XXXX there trying to sue me and say i owe XXXX because i never withdraw my class i never knew i had to do that i was XXXX and i think its so unfair that i didnt even attend one class and they want me to pay that no one told me i had to withdraw so now they made a collation agency to take me to court and i had court XX/XX/XXXX at XXXX XXXX  court and had no idea about this and now i want to re open the case so i can fight so i dont have to pay that money at all

Company response to consumer: Untimely response
Consumer complaint received 06/16/2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a legal obligation to this company.There are no signed contracts with them. Yet they have reported the debt as delinquent to the credit bureaus. I have provided them with court documents providing proof of the current and legimate mortgage holder. They continue to harass me with constant mailings. This has been going on for months. They are a debt collection agency posing as a mortgage company.Their reporting date is  XXXX     2010. Also they have issued an insurance policy WITHOUT my signature on an insurance application and without having insurable interest. Totalling illegal yet they are allowed to continue to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: Ally Fin. Auto loan. I have contacted Ally concerning payments and the fact that I have this loan paid in advance with next payment due XX/XX/2017. I have given proof using their payment history which clearly shows 59 payments with 2 of the them being dbl payments for a total of 61 payments. They agree but REFUSE to update their records to show proper due date of next payment! I was also assured that no payment was taken solely for principle. This leaves me at a loss and a feeling of being FORCED to pay something I DO NOT owe or risk a bad report on my credit! This is not the first problem I 've had with Ally Fin. and although they give me the impression they are willing to get my account squared a way, they always come up with a excuse and talk in circles. end result is I cant seem to get any where with them. I have never had such problems with a Auto loan ever .I have had Auto loans with XXXX XXXX and XXXX and never had these discrepancies!

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 12-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: To whom it may concern : This complaint is in regards to a promotional offer for an Starwood Card offered by American Express. An offer was sent to me in XX/XX/XXXX that I qualified for that would allow me to receive XXXX Starwood Preferred Guest  ( SPG ) points for {$1000.00} spending for each authorized user I add to my personal card account, up to four, for a maximum of XXXX SPG  points potentially awarded, starting in XXXX of this year. 

I added my wife, my father and mother, and my sister to this card in XX/XX/XXXX, and met the appropriate spending to each card inXX/XX/XXXX. I however only received the bonus for my wife, and not the bonuses for my father, mother or my sister 's authorized card use. 

I have contacted American Express on four separate occasions ; three times using the online agent feature in XXXX through XXXX, last onXX/XX/XXXX, and once by telephone XX/XX/XXXX. After my second online agent discussion, I was told my concerns would be forwarded to their " rewards team '' After today 's online and telephone discussion, I was again told that my concerns will be forwarded for investigation. No timeline was given other than weeks. 

I have met the terms and conditions for this offer - I do n't think any agent has expressed to me otherwise that I have not. I expressed concerns that previous promises of escalation and investigation have not lead to results. I have not received any direct correspondence about any investigation from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Other debt) with Credence Resource Management, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an account with XXXX XXXX XXXX # XXXX XXXX. I recently closed the account and paid it off in full. 

However, I am getting repeated calls from someone called Credence Resource Management. I have been contacted by them twice in the past 24 hours. I do not owe anything but yet the calls keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing because I am currently about to be foreclosed upon because I am unable to sell a home I purchased in XX/XX/XXXX. I am unable to sell the home because of a fraudulent note provided by XXXX XXXX XXXX XXXX and a 10 year interest only loan I was given by Bank of America as a result. Here are the circumstances that led to my signing the note : On XX/XX/XXXX when I signed my contract to purchase my home from XXXX XXXX, the contract had a cost estimate evaluation for a XXXX Interest Only ARM ( see enclosure ). After the contract was signed, XXXX XXXX Mortgage company was unable to procure this ARM and offered me a sub-prime loan which I refused. After I found my own financing, XXXX produced a HUD 1 statement with a 30 year fixed mortgage at a 6.5 % interest rate. At the closing table in XXXX 2005, I read the settlement paperwork and instead of a fixed rate of 6.5 %, the interest rate was stated as prime plus 1 %. I was told by the XXXX settlement staff that the numbers were the same and it was just worded differently. I even called the XXXX mortgage agent at the table and she assured me the numbers were the same. I left the settlement table and went directly to a local Bank of America to confirm the loan I signed was the same as the XXXX HUD 1 statement. The Bank of America banker said it was not and that he would fix it. He produced a note that had the same interest rate and monthly payment as the HUD 1 and I simply was n't knowledgeable enough to notice it was a 10 year interest only loan ( see enclosure ). I did not learn it was an interest only loan until a Bank of America representative who was looking into a loan modification for me in XX/XX/XXXX wondered why my principal balance had not changed after 4 years of paying my mortgage. I never missed a single payment in 4 years until Bank of America forced me not to pay for three months in order to qualify for the loan modification. In XX/XX/XXXX, Bank of America gave me a 45 year mortgage with a 5 year ARM ( see enclosure ). I have submitted all of the paperwork I can find regarding the statements I made above. I called the XXXX Settlement Office to obtain a copy of the mortgage paperwork with the prime plus 1 % information but they said XXXX Settlement company destroys all records after 7 years. To add insult to injury, out of the XXXX homes XXXX sold on my block, the only XXXX families in the neighborhood ( I am XXXX ) are in XXXX adjacent houses. I was completely unaware that I had XXXX days to rescind the loan but it probably would n't have mattered because I was so unfamiliar with these bad mortgage products. 
Hopefully the government can look into this incident to keep it from happening to other consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I recently placed a fraud alert on my credit report because I was the victim of identity theft. The account does not have my name or third generation attached. How was this account opened? The following account XXXX XXXX XXXX XXXX was opened fraudulently on XXXX/XXXX/2016. I have filed an affidavit with the local police department and sent copies of it to the credit bureaus. I also reported the issue to XXXX XXXX XXXX XXXX. Although, the company has not responded. I expect that it will be resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I applied for 3 credit cards from Barclay Bank after receiving many solicitation pieces from them. I was approved for 2 and the 3rd required me to call in for verify some information. I called in and based on their criteria they were unable to verify my information and they then placed a restriction on all of the accounts. They requested I send a copy of my social security card front/back, drivers license front/back and utility bill front/back. I told them I would not send my personal information by mail especially not a copy of my social security card and I requested to get it resolved in a different way. Representative told me at this time they could only verify by mail. I 've called at least 3 times to get this resolved and I get the same answers from them. Since I 've opened these accounts which I have not been able to use I received my first bill which I quickly paid online in full for the annual fee charge. I continue to receive their solicitation to my home address and letters requesting I call and verify my information before they will take the restrictions off all of my cards. I need your help to resolve this. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Consumer Loan (Installment loan) with Auto Properties II, LLC (VA).
Issue: Problems when you are unable to pay

Complaint: Chapter XXXX Bankruptcy discharged in XXXX but still reported as a charge off, open and derogatory on XXXX and XXXX. Have disputed several times but they just do n't understand FCRA RULES! Now the company website says permanently closed and they do not respond to disputes.

Company response to consumer: Untimely response
Consumer complaint received 08/25/2017 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: Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law establishedXX/XX/XXXX beginning XX/XX/XXXXchild support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )

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 08/27/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Collections were placed on my credit report on XX/XX/XXXX from Receivables Performance for {$780.00}. I did not receive any notifications from this collecting agency and it is a new one reporting on this account from XXXX. The collection was previously removed from credit report from XXXX onXX/XX/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 01/20/2016 about Credit card () with DISCOVER BANK (NV).
Issue: Closing/Cancelling account

Complaint: My son was an authorized user on my Discover account. He went to the store to use the card where he often shops, and when the card was swiped, the code came up " Call Authorities. '' Fortunately, the cashier knew him enough and did not call the authorities. 
I contacted Discover and they told me that they had requested the authorized user 's SSN and DOB by email or mail, and when they did not receive the information they removed him from the account. I understand this part due to the Patriot Act. However, I have gone through all my emails and paper mail and I received no such request. I also did not receive any notification that my son was removed from the account. 
What I am furious about is that the code sent to the merchant at the time said to " Call Authorities, '' scaring the XXXX out of my XXXX year old son, and making him look like he did something wrong. 
When I contacted Discover, the agent was very helpful, but also agreed that the code sent to the merchant should have just been a decline. I am not sure if they are having system issues with this type of decline or what, but I am so furious about this. I can not imagine what it would have been like if he had been somewhere they did n't know him and actually called the authorities, as directed by Discover. He visits XXXX and XXXX, and this is the card that I send for emergencies too! What would have happened? I am now requesting compensation for this bad bad error. I would like an account credit for no less than {$500.00}. I do n't even think that 's enough.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We were having financial issues, due to a XXXX, and asked our bank to look into a XXXX modification. We were turned down for a XXXX but qualified for a HAMP modification. The bank then sent us paperwork for the HAMP modification. Our payments had gone up by over {$400.00} a month so we told them we did n't want to do it. We tried to make a monthly payment and were forced to pay the higher payment listed on the modification even though we never signed anything. We were also forced into now having an escrow account even though we never had one before. We paid 3 payments of almost {$1700.00} a month. Our relationship manager assured us that after these three payments we would be up to date and everything would go back to the way it was. Long story short, they are now making up the payments as they go. They have not applied the large payments to the mortgage properly and are now saying we owe them over {$5000.00} and we are behind on our mortgage. We did n't sign anything and we are very unhappy with the treatment we are getting from our bank. We feel like they are forcing us out of our home that we built and they are causing us to lose our credit rating as well. We do n't know what to do to correct this problem. Every month when I try to make a payment the amount is different, there is no consistency to anything with this company. We have written, called, and gone online many times to try to resolve these issues to no avail. We feel as if we are just banging our heads against a wall. You can never talk to the same person twice, they all tell you different things, and they do n't get back to you when you write or call or email. We have been belittled, sworn at, and hung up on. This is not the way to solve issues with your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (ID).
Issue: Loan modification,collection,foreclosure

Complaint: My Name is XXXX XXXX I am a XXXX with XXXX XXXX XXXX in XXXX, Id. I have a client XXXX XXXX who has asked me to help her short sale her property at XXXX XXXX XXXX XXXX XXXX XXXX, Id XXXX. XXXX 's property is in default due to a divorce and loss of income. The lender is Wells Fargo. I proceeded with the short sale. I listed the property for {$180000.00} and received an offer for {$180000.00}. Wells Fargo approved the sales price and gave us full approval to close. The buyer 's financing fell apart right before closing so we did not close. I received another offer for {$180000.00} and was in the process of getting it approved by Wells Fargo but those buyers got transfered out of the area. I received another offer for {$180000.00} but this time Wells Fargo came back with a counter offer of {$200000.00}. I called them and was told they had a Brokers Price Opinion done and it came back {$29000.00} more than the previous XXXX. In a XXXX of months that property did not increase in value {$29000.00}. I can not sell this property for that amount. The seller did try to sell the property her sell for {$200000.00} but did not get any offers. I disputed the appraisal with comparable sold properties and information about the small town of XXXX but Wells Fargo denied the dispute. I believe Wells Fargo is putting my Client in Harms Way by not accepting the original price of {$180000.00} which they did accept. I am attaching the emails from the Wells Fargo Negotiator, and the approval letter from Wells Fargo. I do n't know what else to do. I have tried everything to help this client and Wells Fargo is being unreasonable. The house is not finished and is in an area where there is not many properties sold in a year. XXXX XXXX loan number is XXXX. I would like you to look into this matter. I believe this is wrong and Wells Fargo is suppose to be helping the home owner not harming them. They are being unreasonable. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX of XXXX I received a letter from Afni a debt collector stating that I owed a a balance of XXXX on an account from XXXX dated XXXX/XXXX/XXXX. I requested more information about this alleged account as it is not mine and was not authorized by me. I also have had fraud alert placed on my credit reports for Identity Theft that took place in XXXX and subsequent accounts being made in my name that were a result of this Identity Theft. On XXXX XXXX I received a letter from Afni with a bill attached for this account # XXXX stating that this bill was an account validation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: credit was pull unlawfully

Company response to consumer: Closed with explanation