milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and XXXX deleted the main XXXX. On my report XXXX XXXX has put my child support on Trans. I disputed it and it should be removed because its over XXXX yrs old. But they allowed XXXX to change the date and make it a XX/XX/XXXX date open which makes no sense. I also found out by National collections that in XXXX they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XX/XX/XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at Trans if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XX/XX/XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies.

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 03/21/2016 about Debt collection (Payday loan) with Niagara Restitution Service Inc (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Niagra Restitution Services called and left a message with my sister in law to call them at XXXX. I called them and asked them to remove her number from their contact list, and was hung up on. Then I called back and the rep refused to send me proof of debt in writing. His supervisor also refused, and could not give me the name of the original debtor. She asked me if I was still driving a certain make and model car, and said they could take a lien on my vehicle. She also threatened garnishment. Every time I would ask for proof of debt, she would report that I refuse to pay. She offered to send me a confirmation email if I gave her a card number today to pay the debt. I told her that I would do so after I have proof of debt in writing. She again refused to do so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: As I have stated I have documentation of every letter sent to this company and no response from this company as well. The address  on file for the account is not address I 've had the same address for 9 years. If the com pany had responseded to any certified mail with return signature I sent that would have had my real address to contact me and respond accordingly. I have all the documentation from  USPS  the certified mail I sent was received and signed for my the company no mail from this company was sent to me. Also as I stated a police report and report with the FTC waa filed   XXXX   XXXX    2017. By l aw this company has to mark my account disputed upo n 30 days of the request I sent by mail which was not done and any validation  information binding me to this account was not sent within the allowed leg al 15 da ys. Any disputes marked on my credit reports today will be removed and will mot stand in court as my letters sent to the company are date and time stamped as is the signature from the company when they received the letters I sent. The account needs to be removed from all credit reporting agencies. I will proceed forward with all the documentation and evidence I have for a lawsuit until the accounts are removed from any and all credit reporting agencies. A fraud alert was already placed on my accounts and social as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XX/XX/XXXX To Whom it Concerns, Regarding : Card Benefit Services, Bank of America Benefit Claim number XXXX Incident Date : XX/XX/XXXX My appeal on an insurance claim on a car rental was recently denied. 

Due to an error on the part of XXXX XXXX XXXX, my claim under the Collision Damage Waiver Benefit was  previously denied. The error has since been corrected and I was therefore able to appeal. 

In short, I was denied in the first place because the credit card insurance only covers rentals 15 days or less. XXXX was instructed by me on several occasions to cancel my first car rental contract of the XXXX XXXX on XX/XX/XXXX ; Rental Agreement XXXX ( Exhibit A ) and open a new car rental contract for the XXXX  ; Rental Agreement XXXX ( Exhibit B ) beginning XX/XX/XXXX through XX/XX/XXXX. Their error in neglecting to do as agreed ( Exhibit C ), thereby lumping these two car rentals into one rental contract which you previously received ( Exhibit D ), made it appear there was only one car rental contract, for over 15 days. 

After a very arduous process on my part of explaining the error and providing evidence to support my claim of error on their part, XXXX has acknowleged their error and corrected the contractual errors and provided me with ammended contracts ( exhibits A & B ) which demonstrates my / their intent to rent the vehicle for only 15 days. 

If you would like to read further supporting documents to shed light on the extenuating circumstances of this process, please see the letter I wrote to XXXX requesting they correct their contractual error ( Exhiibit E ) and circumstances which caused the delay in my closing the first contract due to fraudulent activity on my ( only ) major credit card and my attempts at getting a replacement ( Exhibit F ). 

I hope you will see clearly that I am in fact due to have this appeal granted and payment processed on my claim. 

Please call or email if you need anything further from me. 

Best, XXXX XXXX XXXX XXXXXXXXXXXX

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 05/14/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX XXXX XXXX loan was transferred to Carrington Mortgage about 30 days ago. I was sent a notice, but I was never sent a welcome package or any information about my new account from Carrington. XXXX XXXX XXXX gave me the phone number for Carrington and I called to get my account number and information. I was assured that more information was coming in the mail and that XXXX payments would not change. I still have not recieved a welcome package, instead, I have recieved a notice that my 30-year conventional mortgage payment is going to go up over {$50.00} due to estimated escrow changes. This is ridiculous. I have not been motifiifed of any tax or insurance changes and there is no need for this payment to go up. I feel like this is unnessesary and unjustified. Definitely not the 'Welcome package ' I was expecting.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: During my loss mitigation application process, I contacted Ocwen at regular intervals in order to understand my loss mitigation options and understand the status of my loss mitigation application. On Thursday, XXXX XXXX I made three attempts to contact Ocwen. Upon each of four initial contacts, a representative transferred me to the Ocwen short sale department. During my call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX A recorded message answered at the short sale department and explained that Ocwen business hours were between XXXX and XXXX and then my call was disconnected. Because the call was between those business hours, I could find no reason why my call was not answered. On Friday, XXXX XXXX, I had the exact same situation occur at XXXX XXXX and XXXX 

I believe that there is a system error at Ocwen that is resulting in an unfair practice to me. I have no control over their automated system, or errors that it perpetuates by hanging up on borrowers. I was disconnected XXXX TIMES when trying to obtain information on my loss mitigation application. This resulted in delays getting me information about my application. If Ocwen does not have a glitch in their automated system, they do not have appropriate phone system procedures in place to route calls appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax, XXXX and XXXX continue to report these inaccurate items on my credit report.
XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect.
<P/>
XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect.
<P/>
XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong.
<P/>
XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong.
<P/>
I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Supporting documentation that my express account should be reporting in accounts that are satisfactory. Right now it is reporting as potentially negative. This letter is from my XXXX credit card account supporting documentation that the XXXX credit beaurous need to change the status to positive instead of accounts that are negative.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with GUILD MORTGAGE COMPANY (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I contacted XXXX XXXX with Guild Mortgage on a fact finding mission to obtain information on mortgage loan products. I was very clear to XXXX that I was in the preliminary stages of my inquiry and that I did not want to apply for a loan at this time. XXXX requested tax returns and income information so he could review them and make a better recommendation as to what was available for my wife and I. This correspondence was only to obtain information for a possible future loan. After several days of no response I checked in to see if he had reviewed my documents. He immediately sent me some preliminary information. That information sparked several more questions, so I emailed him again with the same no response. I once again reached out to XXXX and his teammate XXXX XXXX responded letting me know that my " file was in process. '' On the same day I received letters in the mail showing mine and my wife 's credit had been pulled by Guild Mortgage. I immediately called and emailed to find out why this was done. At no time had XXXX XXXX or anyone at Guild mortgage received a signed application for a loan. Furthermore, Guild mortgage had not even spoke or emailed my wife who 's credit was also pulled. They had to obtain our Social Security numbers from the financial documentation I had sent him, which is a clear violation of the Fair Credit Reporting Act. XXXX XXXX did admit to the error but has not provided sufficient proof that this inquiries have been removed from all XXXX bureaus for my wife and I. I would like all XXXX bureaus cleared of these inquiries for my wife and I and for Guild Mortgage to provided the cost of credit monitoring service for my wife and I for a period of one year, which is estimated to be {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Settlement process and costs

Complaint: In XXXX, I had an insurance claim. The check was sent to Wells Fargo. On the check was Wells Fargo and my name XXXX XXXX. From the beginning, they made it hard. Wanting to pay the contractors in XXXX installments made it difficult to find someone to agree. Finally, after 9 months they agreed that it could be done in XXXX installments. At that point, I had a XXXX and told them that I could not do it. XXXX XXXX agreed to tear the whole roof off and replace slate with tile. that needed to go through the Historical Society. Someone fixed the roof and I asked if I could be paid because I fixed the ceiling. I was told to submit the request, later to be told no because I was in bankruptcy. XXXX another storm hits and the insurance company told me that I needed to prove that the first claim was fixed. Therefore, I could not remember and went through the phone book. Later my insurance agent told me the reason why I did not know who fixed the ceiling was because Wells Fargo had it fixed. That they had requested a list of contractors stating that I was incompetent. My insurance agent said XXXX you would have had to sign the check. I told her that I had never seen a check. Therefore, I called Wells Fargo at least XXXX times always to be told that someone was going to do research and get back with me. XXXX person did I missed his call and called him back without any response. I have told Wells Fargo repeatedly that it is raining in my home ; XXXX ceilings have come down in the bedrooms. The wood floors are warped. The water has moved to spill the ceiling in the living room, dining room, and kitchen. I have not resided there because it rains like a tsunami in the house. XXXX of XXXX this week I finally after going to the corporate office of the insurance company received an email with a copy of the check that was deposited by Wells Fargo with my signature forged. They received the check XXXX XXXX, XXXX signed my name XXXX XXXX, XXXX and sent a check drawn on Wells Fargo to the Bankruptcy Court in the Trustees name who in turn paid them as creditors. The sad thing is that all this time they worded our conversations as if the insurance check was sent to the Trustees. Wells Fargo did not send the insurance check to the Trustees. This week I sent the copy of the check to the trustees and was informed that they had never seen the check and provided me with a copy of the one send to them. Now my house still 2 years later is unlivable. Also the insurance did give me a check to fix the carriage house but Wells Fargo place an insurance deductible of XXXX. When I ask the insurance agent was the XXXX deductible still available when the placed the insurance on the house she said absolutely. Wells Fargo tried to convince me that it was the insurance companies doing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Bank account or service (Checking account) with PNC Bank N.A. (GA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 we made a deposit to our checking account through the ATM that should have covered another check we knew we would be writing later that day. Our deposit slip from the local ATM branch DOES NOT state funds will be withheld or not immediately available at the bottom. The following day, I have an overdraft fee on my account that I can not understand. Online banking register shows the deposit being made several line items BELOW where the other check was processed, yet I am charged. Both transaction dates state XX/XX/2016 online and deposits are considered before withdrawals. In speaking with a bank rep over the phone, I am informed that online banking will display deposits on the date they are initiated and NOT necessarily when they are available. He offered to mail me a pamphlet explaining PNC deposit policy. My complaint? If PNC would instead make it crystal clear to their customers by displaying these deposit transactions by the processing or availability date instead of the initiation date ( most people know when they make deposits anyway ) many customers would then be able to correct these issues or modify their deposit methods. They could also consider displaying the " These funds are not immediately available '' clause at the bottom of ALL printed receipts instead of a select few further confusing the customer ... of course, PNC would lose money ... so ...

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I am a single mother of XXXX young sons currently receiving unemployment because I was let go from my position due to not reaching my XXXX goal. Based on my credentials, I have received four employment offers in the past month alone however two of these offers have been rescinded upon review of my credit report which reflects three charge-offs totaling approximately {$25000.00} which just occurred in XX/XX/2017. 


I have been in communication with the credit card companies as well as the credit reporting agencies to come to an agreement to pay this off as well as to remove the charge off from my credit report so that I am able to attain employment. To date, they are unwilling to work with me on this. This is a true Catch 22, I have to pay the debt but how would I pay this debt if I can not obtain meaningful employment. 

These charge offs occurred when my then husband lost his job and we were unable to pay these bills. We are currently separated, and at some point will go through the divorce process which again due to unemployment I am unable to move further. 

Attached you will find my resume which should speak for itself with XXXX, XXXX XXXX, XXXX XXXX and a couple others spanning over twenty years of a successful, professional career without ever experiencing a job loss. 
I am a well educated professional woman with many years of experience yet my job offers are rescinded due to this debt. What law allows a credit card company to tarnish potential jobs, as well as a company who can rescind an offer to a more than qualified candidate who has passed all clearances including FINRA. I desperately ask for your assistance with this situation, anything you can do to help this single mother of XXXX young sons. 

PLEASE PLEASE PLEASE help me! 


Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: An unauthorized line of credit was opened up without my consent. Someone has been using the line of credit, and also set up a monthly automatic payment from my Wells Fargo Checking account into the Wells Fargo line of credit. I have filed a fraud claim with Wells Fargo, but they have denied my claim. There were XXXX large deposits made into my checking account, and then transferred to the line of credit. The deposit slip was signed, but it is not my signature. Wells Fargo has copies of my signature, which doe snot match the XXXX signatures on the deposit slip. Wells Fargo insists that I made these XXXX deposits and are using this as a reason to deny my claim. I have asked for the Wells Fargo to review video tapes since they claim the deposits where made in a branch, and they have refused.

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 07-03-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I had to close my account due to Fraud. I was advised any transactions that tried to go through I would be notified, I was also advised since I did n't have enough time to reroute my DD they would auto send it to my new account that I have ( with them ). That is n't the case. I have. Even calling since last Friday and have been told now it will be later in the week that my DD will be credited. I 've asked for a supervisor and was told there is n't one available. I have asked to speak with the specific fraud specialist ( XXXX ) and told no. Her notes are on my account so I know they can contact her. I 've called my local branch no luck. Meanwhile my bills are trying to go through ( auto debit XXXX of month ) and being rejected and I 'm getting charged fees! HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit card () with PAYPAL HOLDINGS INC. (CT).
Issue: Unsolicited issuance of credit card

Complaint: I signed up to use PayPal so I can use my own current ( personal XXXX credit card to pay for a friend 's wedding. Without my knowledge or consent, PayPal ran my credit report and signed me up for their credit account. I 'm infuriated that a company could do this without informing the user of the mobile/web experience. I 'm trying to purchase a house, and this incident will affect this process.

Company response to consumer: Closed with explanation