milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On  XX/XX/XXXX , I purchased a new vehicle from  XXXX   XXXX   XXXX  in  XXXX , Oklahoma. I had secured financing through my own bank for the transaction. I told the dealership that my bank had ran my credit for my approval and they should NOT run my credit. They said, no problem.  <P/> On  XX/XX/XXXX , I was contacted by the dealer requesting I complete a credit authorization form. The dealer stated my credit union required the form to be signed in order to complete the file. The dealer then sent the form to me on  XX/XX/XXXX  for my signature. Once again stating that the form had to be signed in order to fund my loan through my bank. I have a voicemail and emails to confirm this.  <P/> I noticed the evening of  XX/XX/XXXX , a credit pull showed up on my credit report from CredCo. I called CredCo to confirm that in fact the dealer had pulled my credit report.  <P/> Based on my research : Under the Fair Credit Reporting Act, a car dealer may pull your credit -- if you consent by filling out and signing a loan application. However, when paying with cash or prearranged financing, a dealer has no right to coerce you to agree to a credit check by invoking t he USA Patriot Act, the  XX/XX/XXXX  federal  anti-terrorism law.

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 06/17/2015 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more XXXX years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute ,XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Trouble during payment process

Complaint: This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). I am writing you today as I disagree with the past due payments you are reporting on my credit reports. They do not line up with my records and I believe that my payments may have been misapplied. The particular lates referred to are : Late Payments Being Reported : 180 days past due as of XXXX XXXX to XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX to XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I left the country on XXXX of XXXX but before I cancelled an account I had in XXXX XXXX XXXX because I 'm going to back to the XXXX to finish my studeis. I knowing that everything was fine. I stayed there untill XXXX but I came back to the XXXX in XXXX of XXXX and XXXX of XXXX. The both times I came to visit I stayed at our house that my family owns since XXXX. None of those times I came back did I get a letter from XXXX XXXX XXXX of any delinquent account I have from them or did I get any messages. I moved back to the States in XXXX with my fianc and opened another cellphone account from XXXX XXXX XXXX. It was a couple of months later that I started getting phone calls from different number on my new cell phone. The person that I talked sounded like she was scamming me because she was from a debt collection company said that I owe them money and asked how I want to pay for it without a thorough explanation. I was skeptic because my mother has been getting calls from a guy pretending to be a cop and asking for money. I never paid attention to their call until I saw my credit score go down. I 'm planning on purchasing a car and I 'm afraid with a credit score that I have now I wo n't get a good deal. When I talked to XXXX if their representatives they allegedly said that they 've been contacting me since XXXX after XXXX XXXX XXXX transfered them my account which I highly doubt because I was in town in XXXX and my mother has been here the whole time so she would 've gottten their message or even from XXXX of XXXX XXXX XXXX 's representatives way before they transfered what I owe to EOS CCA debt collection company. What I owe is not thousands of dollars but it goes against my morals

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Unable to get an explanation out of Equifax Information Service. They say I put a freeze on my credit report which I did n't do? They wo n't say when or how I place it, but to remove to forward updated information that I did.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with SYNCHRONY FINANCIAL (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have began receiving credit denials from companies that I have not applied for credit with. Primarily department stores using my name and address. I have contacted the companies directly to file complaints with no resolution at this time.

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 09-01-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NE).
Issue: Account opening, closing, or management

Complaint: I had had an existing credit line product with my bank, Wells Fargo. On XXXX XXXX, I called the customer service to find out what are my options to increase the limit from {$10000.00} to {$15000.00}. The representitive I spoke with was XXXX XXXX at XXXX XXXX XXXX, extenstion XXXX. Initially I was told the only way to increase the limit is to open a brand new credit line. After some back and forth, I was finally offered a increase if I file an application over the phone, so Wells Fargo can process it and pull a credit report. I agreed and proceed with answering the questions. XXXX of the questions was whether " I am a XXXX resident ''. I answered " No, but I am treated as one for all financial institutions and for tax purposes ''. This is due to a fact I am not a green card holder, but a XXXX visa holder instead. I heard a little hesitation from the representative voice, but he proceeded with the application. I was told that the bank will contact me within XXXX hours with the decision. 
From there, things went downhill. I was never contacted by the bank. I reached out again to find out regarding the application status ; I was denied. Subsequently, I showed up in person at the WF branch to gather more feedback regarding the application. I spoke with XXXX XXXX and his senior co-worker. They had very difficult time navigating the system to provide a true reason of denial. This was caused by multiple application WF made for my name without a reason ( applications XXXX and XXXX ). Finally, after an hour long wait and calling several WF departments, I was told that my request to increase the line was denied due to " non-resident status ''. I am still very perplexed as to an explanation I received from personal bankers at the XXXX 's WF branch ; they said WF allows non-resident aliens such myself to apply to avoid any discriminatory charges, however, it automatically denies these applications. So how is it? Is it fine to discriminate on back end, but not on front? I understand the bank has a right to establish its own underwriting standards, but I expect a higher level of transparency. Wells Fargo allowed me to apply knowingly I will be denied. The bank did not act in my best interest ; especially as it pulled a credit report. Now, I have a hard pull inquiry visible to anyone for two years. I am extremely disappointing about the discriminatory consumer practices, lack of transparency, and misleading behavior. Other financial institutions such as XXXX, XXXX, XXXX XXXX have made steps to do further due diligence in such cases ; these banks move application into a pending status and request an additional information to substantiate my status.

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 09/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: DiTech Mortgage ( bought out Green Tree Mortgage a couple of years ago ) continues to charge me a late fee and sends me statements with past due amounts. These are all not accurate, especially since I am on the bi-monthly autopay program for my mortgage. Yes, twice a month they withdraw the amount to equal my mortgage each month. I have called to get this fixed in the spring and now they have started again. I called DiTech 's customer service number XXXX nights now, I remain on hold for up to 10 minutes and then the phone gets picked up and cut off. My credit XXXX and pride of the right thing, consumer rights is very important to me. Your assistance would be greatly appreciated. 
Thank you!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I am behind in my mortgage and received a notice ( XXXX XXXX ) that states to cure my default I can pay by the following options : Cash, Cashiers Check, or Money Order. So I am trying to save my house and went to pay cash and was told that I am unable to pay cash. Why would the payment options presented in the notice say " cash '' but that is actually not an option. So now I have to wait until Monday and be late to work and pay a fee so I can obtain a cashier 's check to mail since bringing it to a local branch is also not an option. I also now run into the risk of Bank of America not receiving my payment in time and could start the proceedings on foreclosing on my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PAYPAL HOLDINGS INC. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: XX/XX/XXXX Reference Number XXXX PAYPAL XXXX XXXX CA charge {$42.00} should of been {$33.00}. The invoice and charge from the company XXXX XXXX XXXX email XXXXXXXXXXXX website : XXXX XXXX XXXX  The order I.D . is XXXX paypal XX/XX/XXXX XXXX XXXX Transaction ID : XXXX You sent a payment of {$33.00} USD to XXXX XXXX XXXX ( XXXXXXXXXXXX ) According to email XXXXXXXXXXXX they stated that the difference may be foreign funds. The company 's last question did you pay with foreign funds? They assured me all they received was {$33.00}. I requested PayPal supply a credit of {$8.00}. I am having problems with XXXX in a XXXX center attempting to steal all communications and attach themselves to my finances. I would like to see a credit of {$8.00}. I was told all of my FTC complaints filed were solved and were established as an account with this organization. They are stealing credit card bills and supplying copies. Interrupting bills going to XXXX to another state halting the outgoing mail. Stating they represent XXXX locally. I never authorized anyone to halt my outgoing mail. I made a complaint with XXXX. Arrests have been made concerning mail fraud. I never received any results from FTC. They were placed on a credit card through XXXX. This is that card and I previously made a complaint about fraudulent foreign fund charges. XXXX issued another card. I am missing many credits on my account. This is the new card and apparently, I am having problems again with fraudulent charges locally. I even believe this has to do with identity theft. I was thankful XXXX XXXX disclosed that they believed that someone paid this with foreign funds attached to my credit card. This was placed on line at XXXX XXXX. in the XXXX XXXX Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Medical) with LANIER COLLECTIONS AGENCY AND SERVICES INC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: They have responded with a response that they have stopped all collection but are still reporting. I have submitted police report and it 's clear they are still reporting. They are not being factual in responses.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, there is a 2014 Chapter XXXX Bankruptcy item with docket number XXXX that was added on my score that I have been disputing for the last 4 months to get this item withdrawn. I have talked with with several representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. I called and spoke with a representative and inquired from Experian on how credit bureaus verify their public records. I want to know this information because the item keeps coming back as verified every time. I had XXXX managers tell me that the dispute is sent as a notice to the courthouse through XXXX. Once the court verifies it, the information is mailed back to the credit bureau. To make sure the correct information was relayed, I contacted the court house and they told me that they never report any information via the credit bureaus. I decided to call Experian back to speak with another representative, but this time they advised that the information is verified by the contractor who goes to the court house. I asked what information does the contractor give to the courthouse, and how & what kind of physical information does the contractor verify to the credit bureaus. They could not answer that question and just said its a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Experian refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per the Fair Credit Reporting Act.

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 07/24/2015 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (CO).
Issue: Fraud or scam

Complaint: I placed an order with XXXX for appliances in XX/XX/XXXX. I filled out and mailed a rebate form for a {$120.00} Visa Debit Card for purchasing XXXX washer and dryer that was part of the order. I received a debit card through the mail sometime XX/XX/XXXX. I did not activate the card. In XX/XX/XXXX, I received a letter in the mail from Blackhawk XXXX notifying me that my debit card may have been compromised and they were sending me a new card which I received in XX/XX/XXXX 
Around XX/XX/XXXX, I went to the myprepaidcenter.com web site to activate the card. I discovered only {$2.00} credit remained on the account. I called a Blackhawk representative and he stated that two purchases were made on the XXXX web site on XX/XX/XXXX in the amount of {$83.00} and {$39.00}, respectively. The representative told me he would send a dispute form in the mail for me to fill out and once received by XXXX, the account would be credited the full amount of {$120.00}. 
I never received the form, so I called again on XX/XX/XXXX. This time I spoke to XXXX XXXX. She said she would email me the form that day. Once again, I was told to just fill out the form and my account would be credited the full amount. I filled out the form and tried to fax it along with supporting documentation numerous times over XXXX days XXXX XXXX XXXX and XXXX XXXX ) to the fax number provided. Everything worked fine on my end, but when the fax machine connected on their end, nothing would happen and the transmission would time out. I sent an email stating the problem but did not get a response. So I emailed the dispute form and also mailed it to the address shown in the instructions. 
I did not hear back from Blackhawk so I called them on XX/XX/XXXX and spoke to XXXX. He said Blackhawk received the dispute form and his management are reviewing the dispute and will contact me within XXXX business days. I never heard back from Blackhawk. 
Around XX/XX/XXXX, I then received two notifications dated XX/XX/XXXX in the mail from Cardholder Services stating that they had sent me a letter concerning the unauthorized activity on my account ; then stating that since they did not receive my inquiry ( which they never requested in their letters ) within the timeframe allowed to pursue the dispute the claim has been closed. Each letter was for one of the two XXXX purchases. 
I feel this has been a scam all along. I never activated the original card, but yet someone allegedly used the account to make the two purchases on XX/XX/XXXX Blackhawk never indicated at the beginning of this issue that I had to fill out a dispute form. They just sent me new cards and never indicated I had to fill out a dispute form. I had to initiate the discussion with Blackhawk to find out they wanted the dispute form and then it took effort and time to finally get it to them. Then they say my dispute form was received too late. Something is amiss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Multiple Hard Inquiries on my TransUnion Report I did not request or Authorize.

XXXX XXXX - XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX XXXX- XX/XX/XXXX/XX/XX/XXXX XXXX XXXX- XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX/ XX/XX/XXXX- Also one on XX/XX/XXXX that I did Authorize XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MARINER FINANCE, LLC (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I was trying to a person loan and have applied for a pre-qualifed loan which doesn't effect on my credit score. However, " Mariner Finance '' has asked my information without consent and notification to customer.

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 05/29/2017 about Mortgage (Other type of mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Closing on a mortgage

Complaint: XXXX   XXXX  - Rescinding Offer/cancelling refi loan due to negligence of the Lender. Multiple laws broken/mortgage fraud/lender overriding successor/spouse of community property for spouse, falsifying documents, pushing closing/notarizing through despite requests for cancellation of loan multiple times by both borrower and spouse/No attempt to verify and confirm documentation, contact, basic knowledge, loan details, or aggreeance of spouse and successor of interest of community property/ Multiple incorrect and false documents. Homestead declaration documented incorrectly as waived when it should, would, and will be declared homestead if lenders legally abided by CA state laws,  XXXX  guidelines and orders, the laws and rules of the FDIC, let alone the ones that are on the documents that you push and fast track borrowers to sign illegally. Also very important is how the EPA you came to is completely incorrect, false, and not agreed upon with Lender ( that was informed twice by m e ) and spouse/successor.   XXXX   XXXX  which I contacted twice on  XX/XX/17   . Spoke with her and told her briefly of our legal situation and that I just found the documents to the loan on my home because my lender nor husband informed me of the loan details ; on my and our childs own home due to the borrower on title and lender coinciding. She stated, " I understand and did n't know, we will cancel and void the loan. '' As well as making contact with another employee of Mortgage Freedom just to be safe and she said she will red flag and cancel the loan, and stated, " I do n't know how it got this far! It just needs to be notorized ''. Despite me just finding an electronic copy of the finalized version of the revised loan offer on  X/XX/17    because the lender or spouse never notified or sent documents for me to review, no access to your secured document site to view what was going on with my property, knowing my spouse was planning on getting it notorized behind my back, and speaking to two different representatives..

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 12-07-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: obtained loan XX/XX/XXXX interest rate was very high and i lost my job, it was outsourced to XXXX in XX/XX/XXXX i struggled to pay payments, XXXX XXXX would n't work with me to lower any payments or interest, i paid {$280.00} per month until XX/XX/XXXX totaling around {$13000.00} and the original amount purchase price was only {$11000.00}. they are showing i owe an amount of over {$9000.00}. this is making it impossible for me to obtain a vehicle loan. i have talked to the company several times. they are saying i paid nothing on my credit report. thank you

Company response to consumer: Closed with explanation