milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed with experian/XXXX/XXXX that I have identity theft on my credit report with XXXX accounts that were opened fraudently. I also contacted the companies directly to report this information. XXXX XXXX did an investigation and I received a letter stating the investigation was done and it was proven that someone stole my identity and the information will be removed from my reports. To date this information has not been removed. I also have XXXX store showing on my report that also has been a part of identity theft. These credit reporting agencies are doing nothing to remove this information. I have been disputing this for months now and it is affecting my credit score. I am complaining because I have made numerous phone calls to the credit beaurous and ca n't reach a live person to speak to with experian. Along with this complaint I am also complaining because there are a few ( XXXX ) accounts that are showing as negative ... ..when in fact I have valid proof from the bank that these accounts were never late and should be showing as satisfactory on my reports.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I
have been using Credit Karma for awhile now to get my credit report and help keep a eye on it it needed repaired and i have been working so hard on getting it back up agai  n, I want to say i 've used them for a few years now, they give you all your stuff thats reported on your credit report for free, good deal right!! NO, When you 1st log onto your accounts they have recommendations of loans, credit cards ect, I do have my own Credit cards, well i thought it was time to apply for another as my score has went up some and i 've been making on time payments for awhile now, so i go to the recommendations and i choose one, I apply i get turned down even tho it said my odds were good at getting approved for this card, this was last week, I go again today and i think I 'll try for one more card my odds were good again I get denied, Now they use everything in my credit report to give me these odds on approval rates, Now I have   XXXX   references on my credit report for credit based on their recommendations so now it will take a few years to get these off here, I do not pay for this service but i would like to please have this checked on, I do n't think they should be able to use it against me since i went on the advice of a company and took their word for it, They are sopost to give you good advice and this ended up not so good!
if you go to www.creditkarma.com with log in with my email  XXXX  password  XXXX  and check out the page it will clearly show you under recommendations which cards i have good approval odds for they are even still listing the cards i got denied for as good odds, even after being denied!

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My name is XXXX and I'm writing you about an entry listed on my credit report. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they don't provide anyone with debtor's full social security number and they don't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I'm requesting to have it removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax refuses to remove addresses that are n't mine. Remove accounts that are n't mine. Continue to add accounts to my report that are n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Unauthorized transactions/trans. issues

Complaint: I order an item and before I received the item I cancel the order. I tried to dispute the charge to my card, but American Express refused allow me to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MD).
Issue: Application, originator, mortgage broker

Complaint: After 5 years of spending thousands of dollars, as well as sustaining bankruptcy in efforts to save my home that is my primary residence, a company that worked on my behalf got my mortgage company, Nationstar, to agree to modify my loan, if I agreed to drop a 'QUIET TITLE ' civil suit that was pending in civil court against them as well as sign a legal statement from their attorney stating that I would no longer be represented by my former attorney. They sent me what I just discovered was some sort of general modification agreement and not one that is HUD oriented. The modification was originated by 'The XXXX XXXX XXXX who worked out the negotiations. My loan was modified to 2 % and the new monthly payments are more affordable and now I am able to continue to successfully meet my mortgage payments. However after I was no longer legally represented by 'ANY FIRM OR LEGAL REPRESENTATIVE ' ; three months into my trial period, the mortgage company REJECTED MY NEW MODIFICATION AND IS NOW TRYING TO FORECLOSE ON MY PROPERTY FOR THE 4TH TIME SINCE ALL OF THIS STARTED. I sought legal help AGAIN, and this time finally got help from XXXX of the HAMP agencies who work through HUD. BUT now they have told me that after finding issues with what I just went through, they could not help me either. I AM SEEKING A GOOD MORTGAGE LIGITATION ATTORNEY TO ASSIST ME WITH BEING SCAMMED OUT OF MONEY AND BEING TAKEN ADVANTAGE OF BY ALL OF THESE PROGRAMS WHO PROCLAIM THEIR HELP BUT NEVER HELP YOU ACHIEVE THE DESIRED RESULTS YOU SEEK. ALL I WANT TO DO IS TO SAVE MY HOME. I DO N'T WANT THIS TO DRAG OUT FOR ANOTHER 5 YEARS UNTIL I EITHER LOOSE MY MIND OR MY JOB AGAIN! Thus becoming a victim of 'less than qualifying income ' that will put me in the status of 'REALLY NOT BEING QUALIFIED ' for continuing to keep my home. Is this the undercover strategy being use to achieve the mortgagors primary goal? : : 'to obtain property for future profit ' ; NO MATTER WHO SUFFERS THE LOSS? PUT A FAMILY IN THE STREET FOR THE PURPOSE OF GAINING A PROFIT LATER WHEN TIME MAKE IT PROFITABLE FOR THEM TO DO SO! IS 'GREED ' THE NEW DESEASE WE NOW HAVE TO FIGHT? WHAT HAPPEND TO THE LEGAL ACTIONS OF FORFITING A CONTRACT? WHAT LAWYER CAN ARGUE THESE FACTS? PLESE CONTACT ME. I NEED LEGITIMATE LEGAL REPRESENTATION FROM A FIRM/ATTORNEY WHO IS WILLING TO SUPPORT WHAT IS RIGH UNDER THE LAW IN OFFERING ME THE LEGAL ASSISTANCE I NEED TO SECURE MY HOME FROM THESE PREDITORY LENDORS WHO BREAK CONTRACTS FOR THEIR PROFITS ' SAKE!

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have attempted to contact XXXX by disputing my medical debt through their online dispute portal. I have also sent them a certified letter disputing this debt on XXXX/XXXX/XXXX. These collections were removed from my XXXX report because of multiple inaccuracies and lack of being able to validate this debt, but XXXX has not removed these collections from my credit report yet. XXXX keeps responding that this debt is mine and verified, yet I have never received an itemized summary of what I am being charged for, and I have never been contacted directly by Transworld Systems Inc, either, which leads me to believe this is fraud. These collections need to be removed from my credit report from XXXX, just like they were removed by XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$66.00} {$66.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I spoke to XXXX with Bank of America on Tuesday, XXXX XXXX at XXXX. She indicated to me that I needed to be a minimum of XXXX months late to be eligible for a short sale on my home. I have a fundamental issue with this because of the Fair Credit Reporting Act. There is a hardship. I need a modification. I 'm in the hardest hit state. Why are they telling people this when it 's a violation of the Fair Credit Reporting Act?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (TX).
Issue: Billing disputes

Complaint: I rented a car over the internet. I agreed to pay {$130.00} to rent the car over a four ( 4 ) day period. I never saw the contract. I picked up the car in XXXX, Ga, and used it for the four days. I paid for the rental with an American Express credit card, issued by the XXXX XXXX XXXX XXXX XXXX. Open returning the car, I signed a receipt acknowledging the return of the car. After signing the receipt, I was informed, for the first time, that the card had to be returned by XXXX. Because it was after lunch and I had already signed the receipt, I took no immediate action. I feel that I was " baited and switched '' into paying additional fee that I was not informed of prior to signing an acknowledgement. I contacted the card issuer ( XXXX, XXXX ) and disputed the {$30.00} additional charge. On XXXX/XXXX/15 I was informed by the credit card issuer that because I had unwittingly signed an acknowledgement that they would " not have the authority to continue to persue the credit from the merchant on your behalf. '' Because of the small amount and fraudulent bill, XXXX, XXXX, has just " rolled over '' for the merchant. And I 'm out {$30.00} on a " bait and switch '' scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XXXX this year, I purchased an item on the Internet using my XXXX card. The vendor ( XXXX XXXX billed me for the item I had purchased, and later for XXXX more on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I never received. I file a dispute with XXXX immediately and was advised to change my CC Number, which I did. The vendor later submitted a self-serving statement that by agreeing to the purchase of the first item, I had signed up for an option-to-buy program after a XXXX trial period. For the record, I neither read nor agreed to a statement like that when I purchased just XXXX item. 
The vendor re-submitted bills for supplies on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I never received and XXXX honored their request. In my judgment, XXXX should not have honored that request because my CC Number had been changed at their suggestion, and I did not receive any other product. By their action or inaction, XXXX has aided the perpetration of a fraud. Why should I pay for products I did not order or receive? This billing has to to removed from my account.

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 04/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Credit Union Mortgage Association, Inc. (DC).
Issue: Credit decision / Underwriting

Complaint: I  XXXX   XXXX  was denied refinancing f rom Credit Union Mortgage Association  due to interior appraisal. No details were provided to me. Appraisal structure is fine {$300000.00}.   I currently have an existing mortgage with  CUMA  sinc e   XXXX   XXXX  .They clos ed the application with no chance of remedy. I received no consideration for providing a remedy.

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 01/25/2017 about Debt collection (Credit card) with The Bureaus, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX, WA. This company bought my outstanding loan from XXXX which is XXXX years old. Added interest to my balances and trying to aggressively collect the debt saying they will make sure the collections remain in my credit reports for another 7 years.

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 Experian Information Solutions 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: After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an officer of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve to date.

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 04/30/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for loan modification with Ocwen Loan Servicing back In XXXX of last year ( XXXX ). Throughout this process, they kept losing my documents and kept asking me to resend everything to them over and over again. They would make appointments for my relationship manager to call back and often they were either late or someone else who did not know much about my situation would call back. 
Every time I would submit whatever they have asked for I would get emails asking for the same stuff over again. Finally after taking over 6 months to process everything they told me everything has expired and I have to start all over. I had contacted them again and my Relationship Manager said : Dont you worry Sir, I will fill out paperwork again for you and all you have to do is esign it electronically. So that was done in the beginning of XXXX. Then I called her again and she told me everything is complete, it all looks excellent and you should get your modification within XXXX to 60 days. That is how we left it off. 
Needless to say I received XXXX letters from them shortly after : XXXX dated XXXX/XXXX/16 - Your File is complete and decision will be be made within 30 days XXXX dated XXXX/XXXX/2016 (!! 1 day later ) Your Loan Modification is denied because I did not show enough hardship???? - keep in mind their relationship manager filled out my paperwork in XXXX ( or somewhere off shore ) - and I have I have only XXXX options that they approved me for. ( short sale and deed in lieu of foreclosure ) XXXX letter dated XXXX/XXXX/XXXX (!! XXXX more day later than that ) - stating that Loan Modification is denied and there are NO OTHER options available As you can see, they have completely show here that either no one even reviewed anything in details ( XXXX letters in 3 days span ) or they have no intentions to grant modifications to anyone, never mind I was given illegal neg amort loan with robosigning and MERS. 

Yes true I received XXXX modification through HAMP before, but my spouse was XXXX after that and our lives were changed upside down after that event. She ended up having 6 months XXXX. This process required a lot money spent for co pays and services that were not covered by the insurance company. 
It is all better now and I am able to start making payments per terms of my original modification. However, OCWEN LOAN Servicing is acting in bad faith and not willing to even listen to me. 
I hope that CFPB can interfere and make things right here, I want to start making payments and put balance that I owe to the back of the loan. Please see what can be done!!! 

Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Payday loan) with Earm LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting threatening calls regarding a debt from XXXX. They called my place of work and left a message on my phone saying they were going to garnish my wagers and take me to court if I did n't call them right away. The message was left for my manager but I actually got the message. They 've also been harassing my family members. I do n't know where they got my information from but I want them to stop harassing me. The name that was given on the message for me to contact was XXXX XXXX but when I called back and asked for this person they did n't exist. I was given a case number of XXXX. I asked what company they were and what this was about. I was told the company name was MAC and they were calling regarding a pay day loan debt that I owed. She said I owed {$450.00} to some company called XXXX XXXX from 2011. I explained to the lady that I never took out a pay day loan with this company. I ask what was the official name and address of the company and she would not give it to me. She just started yelling at me as to why I wo n't pay my debt. She wanted me to give her my social security number so that she could verify that this was my debt and when I would n't give it to her she just became more irate. I told her to take what ever action they felt necessary and I would deal with them in court. She hung up the phone on me. This company has been harassing me for a month now. Calling me from several different numbers. 30 minutes after that call I received a call from a XXXX XXXX from XXXX XXXX XXXX regarding the same thing but now the pay day company name and the amount has changed. Total scammers.

Company response to consumer: Untimely response
Consumer complaint received 11-07-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2015, more than a month ago now, I completed a refinancing of an existing mortgage. The new lender transmitted the payoff amount to the old lender, Ditech. Ditech acknowledged receipt of the payoff amount, and they " closed '' my account. However, Ditech acknowledged that it owed me the balance in my escrow account, which is approximately {$1900.00}. To date, Ditech has not sent me a check for the escrow balance. I have attempted to contact Ditech but I have received no reply. Ditech understands that the escrow balance is due to be paid to me, not to my county/town tax authorities ; the new lender already paid the biannual payments which were due this month, and Ditech has been made aware of the tax payments. Please contact Ditech to demand that they send me the escrow balance without further delay. Thank you in advance for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The calls come into my phone stated as unknown. When a message is left ( which is not every time ), it is from Synchrony Financial. As an example of call frequency - called 12 times yesterday. In the morning they called 4 times within a single hour. Then approximately once an hour after.

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 03/22/2015 about Debt collection (I do not know) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/15, Enhance Recovery Company, called my Dad stating that he owed a Debt and to call XXXX and refer to No. XXXX. I immediately checked the company on the internet a found a trail of complaints associated with this company. Next I ordered XXXX credit reports of my Dad 's and XXXX are clean with no collection/no debts. This company is starting to harass an XXXX XXXX XXXX man with a XXXX XXXX. He has lived in his condo for less than a year. The previous occupant was the son of the previous owner who had financial difficulty and I believe Enhance got my Father 's phone number and now is starting to harass him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received word on XXXX/XXXX/XXXX, via a news outlet, that a security breach had occur within Equifax between XXXX and XXXX where my personal information may have been compromised. I went onto Equifax 's website and found, from them directly, that my information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Payday loan () with CHECK INTO CASH INC. (CA).
Issue: Applied for loan/did not receive money

Complaint: I applied for a payday loan online and was pre approved for XXXX then I  was told  by email to visit a local check into cash store with the proper documents and I  would walk out with my cash.but I was never given the chance to go to the  check into cash store and forfill my application.

Company response to consumer: Closed with explanation