milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I am writing because on my XXXX and XXXX credit reports you have my account as in Collection/Charge-off on XX/XX/XXXX.This information is incorrect. This account was paid in full through Chapter XXXX Bankruptcy Plan and discharged. Soon as this account was paid off it was put in a Charge-off status on my credit reports. I would like this information correced and for the status to be Paid In Full through Chapter XXXX Bankruptcy Plan. Also the date they have last payment is XXXX XXXX, that is also incorrect. This account was paid off in XXXX XXXX. I have enclosed documentation showing this account is and was in good standing through out my bankruptcy plan. I have provided my bankruptcy Chapter XXXX payment disbursements to GMAC ( ALLY ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (AK).
Issue: Settlement process and costs

Complaint: Paid off mortgage in full on XXXX XXXX, 2016, received a deed of reconveyance which was incorrect according to the State of Alaska Recording office. The Recording office sent it back with instructions on how to do it correctly on XXXX XXXX, 2016. I have still not received the corrected deed of reconveyance from the mortgage company and neither has the recording office. It has been almost two months.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSWORLD SYSTEMS INC (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, IL continues to send my loan to a collection agency named Transworld Systems , INC.,  when my loan is not delinquent and the amount demanded by this agency is not correct. I have addressed this with the Director of the loan department over a month ago, and he apologized for the error but the problem remains. I received another letter from them XX/XX/2017. The notices they send make it sound as if my loan is in default and the wrong total amount due is demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX15RE ; BSI FINANCIAL - LOAN # XXXXPlease help me BSI financial has been giving me misleading information regarding the HAFA Short Sale request over 3 weeks ago, now they are refusing to take my calls and they have a placed a foreclosure sale date without any notification for XX/XX/2015. 

I have provided every single document requested by them and now they are refusing to take my call. Please help me since I have done everything to avoid foreclosure and it is not fair that they are doing this to me and my family. 

Please help meXXXX 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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have mailed correspondence to Experian in XXXX and XXXX to dispute inaccurate information on my credit report without success. Experian has not responded to either correspondence and I attempted to submit a dispute via online but the site is so confusing to navigate. I have credit monitoring and Experian is still reporting inaccurate negative information and will not remove it. It is affecting my credit score.

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 07/17/2017 about Debt collection (Other debt) with The TRAF Group (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A federal agency had already paid the debt to the original collector  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 03/15/2016 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}. After discussions with both XXXX XXXX XXXX and XXXX they both stated that they will continue to hold my credit report hostage until {$180.00} is paid despite the fact that they have issued a letter to me that the debt is " settled in full ''. This obvious coercion violates the good faith negotiations that produced the settlement and payment of an account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Problem when making payments

Complaint: On XX/XX/XXXX I was told by Tower Loan that I could refinance my loan, giving me back $XXXX cash in my pocket and that would bring my loan current (for XXXX and XXXX payments)- therefore I had the money to spend on other bills. I was told I had to come in the office to sign the necessary paperwork. Once I got there, I was told that was not an option and that I needed to make my payment THAT DAY. I asked if the refinance option offered to me was a way to lure me into the office to get me to try to pay and they said, unfortunately, yes and we do apologize. I left the office. This took time away from my work schedule, and I clearly could have made the payment over the phone IF I had the funds available to me, which I did not!
 I have since made my XXXX payment and as of XX/XX/XXXX I owe my XXXX payment of $XXXX. I told them I would pay this over the phone on XX/XX/XXXX and they agreed that was ok. AFTER I made this payment arrangement, a different employee called me 5 minutes later asking for payment. I told this person I JUST spoke to someone in their office and set up a promise to pay, they apologized and hung up. This is a small office (5-6 employees total, maybe). On XX/XX/XXXX, they called me at XXXX, left a voicemail, again at XXXX and again at XXXX. This is 3 times in less than one hour. On the 3rd phone call, I answered, WHILE DRIVING, which is distracting and explained to them I had told them I was already set up to pay on XX/XX/XXXX and he said if I did not pay today (XX/XX/XXXX) they would increase my monthly payments by $XXXX and report me to the credit bureaus. This is harassing to me, they have lied on numerous occasions and I do not feel they should be able to contact me 3 times in 40 minutes.

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 10/30/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: I made a purchase for furniture with XXXX XXXX, check # XXXX is with my checking account at XXXX Bank account. The salesman ( XXXX XXXX ) used wife 's ( XXXX XXXX ) name on the check instead of the furniture store. Someone cashed the check and did not deliver the furniture. The furniture store is no longer in business, and we are having difficulty verifying who cashed the check. This constitutes fraud. I want a refund. XXXX Bank refuses to provide the information about who cashed the check. After several months, they now say it was cashed at TD Bank. XXXX confirmed that they do not verify payees, and will clear a check with anyone 's signature even if it does not match the payee 's name on the check. I contacted TD Bank, upon XXXX Bank 's insistence. but TD Bank is saying to contact XXXX Bank. Neither wants to take responsibility for verifying the payee. TD Bank refuses to give any information to me and says XXXX Bank should contact them so both banks could resolve the issue. XXXX Bank refuses to handle the matter.. Attached is a copy of the XXXX check, and a copy of the audio recording made with TD Bank who says XXXX Bank must contact them. THIS COMPLAINT IS FOR XXXX PARTIES -- TD BANK AND XXXX BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: On XXXX XXXX 2017 I called Equifax and spoke to a rep regarding my dispute # XXXX of all unauthorized inquires that was reported as " verified '' and I asked how were they verified. The Rep told me that they really can not investigate inquiries and that even though they give you the option it seems to do so and use " unauthorized access '' and that if I feel that it was not me to call the companies and have them modify it. I asked for a supervisor. I was told the same thing and that I could go to fraud department and put an alert on my account. I proceeded to state that why even offer the option to dispute inquiries if there is nothing that this department which is the Dispute Department can do about it. Plus to tell me to contact companies I already contacted before I disputed with you and that you clearly stated you investigated in your report but you just now told that you do n't do which I believe to be true because if you had it would n't have been " verified '' as was reported back to me. That seem to be misleading plus to tell me to prove that I am a victim of fraud when not only 6mths to a year ago I had a case of identity theft with someone opening a XXXX XXXX Credit Card and putting a freeze and fraud alert on my accounts and that Their own company notified ME that my info was a part of the breach Is utterly ridiculous to me. Plus I was told to get a police report which the police had already advised me that it was a non tangent offense since no offer was extended thus no crime was actually committed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Please refer to CFPB XXXX for a history of the case which I thought was resolved when my mortgage provider, OCWEN sent me documented correspondence acknowledging approval of my request for a loan modification on XX/XX/2017. 

Now OCWEN is reneging on their approval of my loan modification in which they accepted and received trial payment funds in the amount of XXXX on XX/XX/2017. On page XXXX of the new loan modification agreement it clearly states the funds received on XX/XX/2017 were applied to the account for the XX/XX/2017 payment and the next payment is not due until XX/XX/2017 OCWEN is now saying I owe them a payment of XXXX for XX/XX/2017 when clearly the document I am attaching refutes this. They never contacted me nor provided written documentation to support their claim therefore I am not liable for any payment in XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (VA mortgage) with TOTAL MORTGAGE SERVICES LLC (AZ).
Issue: Application, originator, mortgage broker

Complaint: This has absolutely been the worse experience I have had with a lender. They have caused much distress and sadness in our family. We filed our Application with Total Mortgage Address : XXXX XXXX XXXX, XXXX, CT XXXX on XXXX XXXX, 2016. Our signing date was to be XXXX XXXX and closing date XXXX XXXX, 2016. Total mortgage missed our signing date and closing date. Did not find out until XXXX XXXX that the house would not close on XXXX XXXX. We were due out of our rental home on XXXX XXXX. They almost made us homeless. Thank goodness our landlord let us stay. 

They stated to our lender that they sent out closing documents on XXXX XXXX but the documents did not show up until XXXX XXXX. Their sales person sent us an email right after the documents were sent to disregard the closing documents that it was sent in error. 

Per their website : 30 Day Guarantee Need to close on your new home quickly? 
We guarantee that we 'll close your purchase within 30 days. * Otherwise, we 'll make your first mortgage payment As you can see, this did not happen. We are still in limbo. They have disregarded the VA regulations and the email from the manager that was sent regarding our loan. They cost us {$490.00} in appraisal fees and {$1000.00} penalty fee ( normally {$250.00} a day ) to our builder because they did not close on time. They told our lender that this loan would get done and as of XXXX XXXX, 2016, nothing has been completed nor communicated on this loan. I want people to be aware of this companies false hopes. I would like for them to refund my fees for not closing on time.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (SC).
Issue: Incorrect/missing disclosures or info

Complaint: The below copied transaction was made using my stored identity data housed with Western Union. Please look into this matter and warn consumers that Western Union has been compromised. I have reported this via phone call to Western Union 's fraud department. The tracking number is XXXX. I will also be emailing Western Union 's customer support to all my information removed. 
XXXX, Your money transfer 's complete. 
XXXX will need to bring a government-issued photo ID and the tracking number ( XXXX ) to pick up the XXXX USD you sent. They can pick it up at any agent location in the expected payout location. 
Need help? Chat online or call us toll free XXXX at XXXX. 
Thanks for using Western Union. 
For a mobile transaction, this is your receipt. For all other transactions this is a summary of your online receipt.Your tracking number ( MTCN ) is : XXXX. 
Transaction Date : XX/XX/2017 XXXX ET Sender : Name : XXXX Address : XXXX CT City : XXXX State : SC ZIP Code : XXXX Phone Number : XXXX Receiver : Name : XXXX Country : XXXX Expected Payout Location : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (VA).
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: THIS COMPLAINT WAS FORWARDED TO YOU BY THE OCC BUT CFPB DID NOT RESPOND TO ME. 
JC Penney card was in dispute because they did not apply a credit for returned merchandise. They reported my card as delinquent to credit bureau. On XX/XX/XXXX and XX/XX/XXXX, they credited my account properly and recredit interest accrued. However, they lowered my credit line because of the alleged delinquency and they did not forward me a copy of my corrected credit report. I disputed the line reduction and they did not respond to me except to ask me to complete a new application. 
By my count, there are at least three federal violations of the Truth in Lending Act and the Fair Credit Reporting Act and these are continuing offenses. They should be 1 ) fined for non-compliance 2 ) ordered to repair my credit report and 3 ) restore my 30 year old credit line.

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 12/14/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: I contacted Chase XXXX customer service on XXXX/XXXX/2015 to pay off my credit card. I spoke with supervisor XXXX, she gave me quote of {$1400.00} and I asked her to close my account. I confirmed with her atleast twice about no further payments or charges. She said, this is the only amount I need to pay and the account was closed on XXXX/XXXX/15. I paid the amount in full right away. Today on XXXX/XXXX/2015 I received a new statement with new balance of {$11.00}. I called the customer service and spoke with another supervisor XXXX XXXX. He said, he saw the notes of my previous conversation with XXXX on XXXX/XXXX/2015 and he even confirmed the pay off amount but he said, it could have been a mistake on XXXX 's end or maybe she did n't understand me properly that 's why she gave me wrong quote, which is off by {$11.00}. But I have to pay the {$11.00} because this charge is valid. If the employee ( S ) make a mistake, Chase should take responsibility of their under trained employees instead of making their customers pay for a valid mistake from Chase 's end. I feel like I have been defrauded and scammed by chase and I should not be paying the {$11.00} of charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: I went to Experian website and tried to freeze my credit info approximately 4 weeks ago. I received an email back from them with a PIN number to be used to access my account online. The day after I froze my account I tried to access my account to verify that it was in fact frozen. I could not access my account, I kept getting messages that my email address or PIN was incorrect. I started calling the phone number listed on their website for help that day, and I have tried at least 8 different times at various times of the day and waited on hold each time anywhere between 35 minutes to 75 minutes. I WAS NEVER, EVER ABLE TO REACH ANYONE. The company obviously does not wish to assist consumers or they would employ more people to answer the phones. They have no email address to file complaints or to seek help listed on their website.. Their on line freeze program obviously has a design flaw as even when I enter my email and social security number I get an error message that they can not find me ... .. but yet they were able to charge me for supposedly freezing my account.
Why ca n't Congress and Federal Agencies such as yours hold these companies to standard business ethics?? Is everyone in D.C. controlled by the criminal LOBBYISTS??
I am very disappointed in the way these companies are allowed to operate. They should be held to a much higher standard in protecting our financial data. The recent Congressional hearings aired on TV were a complete joke and I 'm sure no true consumer protection will be forthcoming.
A VERY DISAPPOINTED TAXPAYER

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 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been trying to use my VA home loan since XX/XX/XXXX and Experian has been holding me back for months now by not reporting any credit information. The other XXXX credit bureaus are reporting everything I have done for years now. My first call with Experian I get told that my residence which is a XXXX bedroom rental house is labeled as a Stone fabrication ware house and that is most likely why nothing has been reporting. They also have all of my other addresses I have lived at on file so that does n't make sense why nothing has been reported for the past years? They tell me there is a form we can fill out that will " fix '' this problem. Two months have passed since we supposedly filed this form and I still have nothing reporting for Experian and this residence as a ware house label is still on my credit report. I call again and they tell me that it is not their problem and there must be something wrong with all of my credit cards not reporting and to call them. Well, they are reporting to the other XXXX bureaus so what is the problem? XXXX of the XXXX credit cards I have tell me they have been reporting to Experian for years and it is on Experian why nothing has been reported. My other credit card tells me they have an old address on file and that we can update the address which will hopefully start reporting to Experian, and still nothing is reporting. ( the old address is XXXX of my old addresses on file for Experian as well. So I am not sure why it was not reported even if it was my address before? ) Even my credit consultant does not know how to help me and has not seen anything like this before. So I have been waiting for months now for them to report or actually help and it seems like they never will. Its is always someone else 's problem and someone else needs to fix it, but why ca n't they? What can I do to fix this or maybe bypass this to continue my loan?

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 10/28/2015 about Debt collection (Federal student loan) with Firstsource Advantage, LLC (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: The company listed on the attachment posed as a debt collector for the department of education. Leading me to believe that my debt would be settled and cut in half if I agreed to make a one time payment. The company told me that the department of education would be paid in full by them. Months later I received a call from another agency representing the department of education, " saying the debt still remains and nothing was paid off. "

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation