milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Equifax has been constantly displaying someone else ssn number on my credit report. I have requested several times for these items to be removed. I have also provided them with my ssn and  XXXX  form for the  SSN admi nistration. This previous report that I received from a dispute listed the full ssn that belongs to other people on my credit report. This is t he 2nd time  they have sent me someone elses full ssn. This is against the law to release this information belonging to other individuals. I would like this information remove asap before I seek legal assistance. I do n't want to be held accountable for their mistakes. I have attached the request as well as forms that were previously sent to Equifax per their request as well as a copy of my DL, SSN. Please not this information was sent to a Supervisor in  their Consumer Internal Affair Dept several times. Also in a previous case I asked for the fraud alert to be remove and they responded that it was removed on the report attached they have added this bac k to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Other fee

Complaint: I have XXXX credit card accounts with Capitol One. The last XXXX of XXXX card is XXXX and the last XXXX of the other is XXXX. On XXXX I made a payment of {$30.00} on XXXX but there was an additional unauthorized payment taken out of my checking acct on XXXX. I called Capitol One and explained that XXXX payments were paid from my bank, they called my bank and verified that the XXXX payments were paid, and I faxed documentation proving that. Upon reviewing my payments made on the Capitol One website, it clearly shows only XXXX payment credited to the acct of XXXX, yet XXXX payments were debited from my checking acct. On XXXX I received a letter stating that XXXX payment was paid on XXXX for acct XXXX and the other payment was for XXXX. I do n't have a Capitol One card with the last XXXX of XXXX! The {$30.00} has NOT been returned to my acct, and I am very upset that they can not see that I do not have a credit card with the last XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Prepaid card (General purpose card) with WELLS FARGO & COMPANY (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: Received from my employer, XXXX XXXX, XXXX Fl a {$250.00} Wells Fargo debit card for XXXX. 

Used my home phone ( XXXX ) to activate the Debit card and created a password ( XXXX ). 
On XX/XX/2017 purchased tile at XXXX, XXXX XXXX Fl, for {$530.00} -- using the Wells Fargo Debit card XXXX for {$250.00} and the balance was paid with my MC and XXXX card for {$280.00}. After full payment and use -- the Wells Fargo Debit card was lost. 
On XX/XX/2017 returned the unused tile to XXXX, XXXX XXXX Fl, for a credit of {$200.00}. The cashier put the {$200.00} credit against the Wells Fargo debit card by scanning the bar code from the original purchase receipt. The numbers I have for the above Wells Fargo debit card is, # XXXX -- do not have the???? string of numbers, and not able obtain that string of numbers. ( attached are XXXX purchase and return receipts of merchandise -tile, including XXXX return policy ). 

XXXX-original debit card purchaser, Wells Fargo Bank-Bank manager, seller to XXXX of the debit card-Visa Debit card services, including XXXX-tile retailer + customer service + store manager, has not been accommodating or helpful in getting my {$200.00} debit card credit returned. I now am not able to access or have use of my issued debit card credit of $ XXXX-returned tile merchandise, now currently residing at the Wells Fargo Visa Debit card account services and they are refusing to return the credit amount of {$200.00}. 
Can you please offer assistance?

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: TransUnion incorrectly deleted my mortgage account with XXXX XXXX XXXX off of my credit report versus reporting the account as paid in full with all payments paid satisfactorily.

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 02-09-2016 about Student loan (Non-federal student loan) with SIMM Associates, Inc. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: A collector of a private loan thru XXXX XXXX XXXX has been harassing me at work, calling family members and refuses to stop after I told them of my rights. SIMM Assiciates is the collection company. I refuse to speak with them any further. They have no interest in what I can afford, only what is expected.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Began working towards a modification of the mortgage XX/XX/2014, when the loan was 60 days behind due to loss of income. It was NOT in default at that time. Company continuously loses documents, delays proceedings, and is currently engaging in multiple Dodd-Frank violations with my FHA loan. Refusal to accept payments has put the loan even more behind than when initial talks for modification began.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I came home from hospital and called a friend to take me to XXXX XXXX she came at XXXX on XX/XX/2016. We returned a few hours later and when driving up I noticed my front door opened and there was a latter against the front of the house. She went to the back of the house while I looked around the front. My window inside was broken and someone had started cleaning up some of the glass.We both called out several times when to men finally came out from back. They said my mortgage company sent them to lock box my house. What, I said, I am not in foreclose.I asked for papers he had none, only a email. I called mortgage company, Rushmore Mortgage { XXXX } tried to reach XXXX XXXX but could n't { XXXX } she is my contact person that I keep constant contact with. The man told me that they did send him to lock box the house and that they thought I had moved out, also that it does not show I am in foreclose. I asked friend to call police and asked them to arrest him. Police spoke with mortgage company and they also told him I was not in foreclose but they had a right to be there. { police report cad # XXXX } After police and friend left, I open door and seen that he had been inside the house. Things were moved, television, tools, money, closets, draws were opened also in bedroom and basement door was opened. Things were moved by front door.I have trouble sleeping, I was so scared. I cried all the time officer was there.I am very sick.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Payday loan () with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I 've been paying for a year and a half on this loan. About six months ago the information I could access about my account on their website went blank. They kept saying they were having issues with their website - never seem to get it fixed. Had no idea when I took out the loan that the finance charges would be what they 've stated. I 've paid back XXXX of dollars for an initial {$1000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Asset Acceptance hired attorney XXXX who filed judgment against me XX/XX/XXXX on a debt that is not mine. They just recently levied my XXXX XXXX XXXX account in ths amount of {$860.00} I contacted Attorneys office and they advised me to file police report of id theft and that this alleged debt is not mine. I filed police report along with FTC complaint and submitted all documentation to attorneys office by certified mail USPS tracking # XXXX XX/XX/XXXX They advised me they would speak to there client and get clarification of the debt. I have called there office every week and they claim that it is still being investigated and that there client has not responded to them with definite answer on validation of this debt. I have asked for my money back from bank levy and to this day they have no answer for me or cant even tell me where this debt came from. Please get me my money back this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection letter from Transworld Systems and  a treath for wage garnishment for something I dont have a record that I owe money. I have no idea who they are at why am I being harassed by these company?

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Late fee

Complaint: Hello I 'm hoping someone can help me I have an account with care credit since XXXX 2012 I want to pay off my balance but the interest fees and the interest rates and the late fees are just to outrageous I will never be able to finish paying this off is there any recourse for me? I believe I was mislead by the people at the dentist office I really want to resolve this Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This was previously corrected inaccurate late payment and derogatory comments such as 120 late for both old closed mortgage accounts XXXX XXXX XXXX and XXXX and it was put back on.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XXXX XXXX I attempted to get my credit report online. I do this every 4 months with a different credit agency in order to catch any problem, and was always able to get the information online. Imagine my surprise when I was refused an online report and was told I must submit XXXX forms of id. I did just as they requested and sent the proper forms, copied on XXXX blank page. Today I received a form letter from " Equifax Information Services '' that stated that the forms were not adequate and to send additional forms. I know the forms were proper with one from each category. I believe they are purposely delaying sending the requested information to avoid fulfilling Federal Regulations..

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: I opened a Bank of America checking account based on a deal for {$300.00} if I made {$4000.00} in direct deposits within 90 days of opening the account. I fulfilled this condition and was not given the bonus. I reported this to the bank several times, including by phone, chat, and fax, and never received a response.

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 10/27/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: I did file complaint XXXX .Welles Fargo are not resolving the issues and instead they are not looking at the whole issues. 
Per their letter dated XXXX XXXX XXXX the line of Credit Balance for the account XXXX at the time when I sold the home was XXXX. And per their letter dated XXXX XXXX, XXXX the mortgage account # XXXX for the property located at XXXX XXXX XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XXXX XXXX, XXXX. 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home in XXXX and both account Balance were XXXX as of XXXX XXXX, XXXX at the time of sale. 
This inaccurate information needs to be corrected with credit BureauI did submit to you the HUD and Pay off proof dated back in XXXX. 
Please keep copy from this letter on my file. This letter will be faxed to you today XXXX XXXX, XXXX. 
I would like to resolve this issue ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep getting daily phone calls and voicemails from XXXX indicating to call back that I 'm involved in a very important matter for over a week.. So finally called back. Lady indicates their customer has contacted them wanting to be paid back for a payday loan. Would not tell me who she was or the customer. Also indcated that when applying for payday loans ( which I 've done and paid off well over a year ago ) that there us a XXXX company involved that also gets paid but is either not disclosed or in very fine print. She said she would email me documentation but has yet to do so although has called again. 
I googled the number and see many complaints of same voice mails and apparently part of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Bank account or service (Cashing a check without an account) with FIRST REPUBLIC BANK (CA).
Issue: Deposits and withdrawals

Complaint: I went into First Republic Bank in downtown XXXX XXXX on XXXX/XXXX/15 at XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX. I went into the bank to cash a legal settlement check in the amount of XXXX. The gentleman that I spoke with was a XXXX man with XXXX hair who sat XXXX or XXXX desks in from the front door told me that they could n't cash my check. They only had XXXX or XXXX XXXX dollars at most. When I inquired about why they did n't he said they did n't keep that much cash. He said they just did n't which I think is total XXXX Further there was no policy or anything posted at the bank that states they have a limited amount of cash on hand or on their website that says that requests for large amounts need to be handled in a " x amount of time '' There is no question about whether or not the funds were available for this check. It was placed in a client trust account -- legally no check can be issued from these accounts until the funds have been verified. So I am curious about why this person encouraged me to cash a check at my bank that I knew would be put on hold again at my bank because now they need to wait for it to clear from this bank instead of this bank providing me with the cash that I requested from a check drawn on their bank from a client trust account. Was it racism? Is it misplaced policy? Why allow someone to write a check in that amount if you are n't legally willing to honor the instrument person. I would like to know.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have attached information taken from Ditech website in XXXX XXXX indicating the following escrow activity. 

XXXX XXXX XXXX/XXXX/XXXX {$1600.00} XXXX XXXX/XXXX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$73.00} I have attached the accounting records Ditech/Greentree has sent via my Qualified Written Request. On pages XXXX and XXXX there is indication the taxes and homeowners insurance payments. There is no indication of PMI payments to XXXX XXXX. I would like a complete record of PMI payments and your disclosure record on this charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am age XXXX and have been XXXX since XXXX. My parents plus loan collection ( {$250.00} ) has come out of my Social Security check monthly now for eight years. My doctor provided a letter to Stuient aid in XXXX which still has not been accepted. Please help!

Company response to consumer: Closed
Consumer complaint received 02-12-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt and then I started getting collection letters from Transworld Systems , Inc. The debt was originally from XXXX XXXX XXXX XXXX which I did pay late, but now have a XXXX balance. I checked online with XXXX and it does show me having a XXXX balance. I paid the debt with my credit card several weeks ago and I 'm still receiving debt collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX has reported a mortgage/collection account on my credit report which is the only thing stopping me from getting a VA home loan. On XX/XX/2017, I sent XXXX XXXX a letter asking them to provide a Chain of Title proving that they even own a debt that I am liable for and have the right to report it on my credit report. They responded to my request on XX/XX/2017 and were not able to furnish a Chain of Title and therefore were not able to prove they own any debt of which I am obligated to pay. Upon the receipt of their response, I immediately sent their letter in its entirely along with my own letter to the credit agencies demanding that they remove this mortgage/collection account from my credit report. I actually sent two letters, one on XX/XX/XXXX and one on XX/XX/XXXX. In that letter I stated that due to the fact that XXXX XXXX could not establish a document that stated that they owned anything of which I was liable, that this needed to be immediately deleted from my credit report and if not it was in violation under the Fair Credit Reporting Act. I received my results from the credit agencies within the 30 days, and though they deleted the activity contained in the XXXX XXXX account, the account still remains on my report as a collection and has not been deleted, which is still the only thing preventing me from obtaining my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ).
Issue: Application, originator, mortgage broker

Complaint: I submitted a loan modification to Rushmore loan management. My income was more then enough to qualify. The day I submitted the file the Rep spoke to me and my assistant helping me on the modification and he stated that he " did not like the file '' and he would not submit it to underwriting. He sounded like he was not fully " sound '' or he was on some type of drugs or medication. When I brought this to his attention he got more upset and would n't transfer me to a supervisor. He then told me I was at the 38 day period prior to my foreclosure sale date and he would do everything in his power to kill my file. I went to court and had the sale date moved 14 more days and than resent the file and requested a new account rep. I got a new rep and the file was sent to underwriting and then declined. I sent an appeal and I was told because I had a foreclosure within 90 days they would not review my appeal. I did research and found out once they have a full modification file 38 days or more before my sale date they are supposed to place the foreclosure on hold which they did not do, than they are supposed to allow me a 30 day appeal process no matter what and they did not do this either. I believe this account rep stayed on top of my file and made sure it was denied due to my race and his prejudice towards me. XXXX was the point of contact that fought with me and he made a personal decision to decline moving the file to underwriting. His phone line is XXXX.

Company response to consumer: Closed with explanation