milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my credit reports it is showing XXXX different company names XXXX and on the other FINGERHUT/WEBBANK. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XXXX/XXXX/12 and the other is showing XXXX/XXXX/12 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, XXXX, XXXX, AND EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (NH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XX/XX/XXXX BMW Financial Amount Owed and still reporting on Credit {$12000.00} This Debt was a joint debt with my Ex-wife which this vehicle was awarded to her in the divorce that made her solely responsible for the vehicle. She then let the car get repossessed and filed for chapter XXXX bankruptcy which she knowingly knew and her lawyer knew that she could not discharge this debt. 
Please see Case In the Matter of XXXX & XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) ( The issue here is whether a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non-dischargable in bankruptcy, or whether the creditor must request the court not to discharge the debt. We conclude that since the passage of the Bankruptcy Abuse Prevention And Consumer Protection Act of XX/XX/XXXX. ( XXXX ), XXXX. XXXX XXXX ( codified as amended at 11 U.S.C. 523 ( XX/XX/XXXX ), a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non dischargable in chapter XXXX bankruptcy )

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this company has kept on its record an account that is fraudulent was from my identity being and stolen and used to receive goods and servicews without my permission this company keeps this fraud account on their records in additoin to reporting it to the credit bureaus when knowing it is fake

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (I do not know) with CFM Group LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I actually do n't know whats going on seens i have XXXX i have accesses of my credit info, my credit went down from excellent to good because of this creditor called CFM GROUP XXXX, GA XXXX I do n't recall if i have got any phone calls or latter from them and i do not recall if i own anybody any kind of money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: We are the law firm that is retained by the borrower to assist with the short sale of their property. The 1st mortgage is a payoff, XXXX is being shorted. File was submitted to Ocwen the 2nd lien holder on XXXX. On XXXX was advised that we were waiting for decision to the approval, XXXX under final stages of approval decision with in XXXX to 48 hours, XXXX file still under review, file was escalated, XXXX file escalated again waiting for evaluations to be received, XXXX file escalated again, XXXX still waiting evaluations, XXXX still waiting for values, XXXX XXXX is attempting foreclosure due to lack of Ocwens review and still pending valuation, XXXX still waiting evaluations, XXXX still waiting valuations, XXXX still waiting evaluations, XXXX still waiting evaluations. This is unacceptable Ocwen has been lagging with this file. It should not take over 30 days for Ocwen to provide the approval for this short sale due to the incompetency of Ocwen the file has now been submitted to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (Credit card) with Brock & Scott, PLLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested the records of this account because I believe this account was opened by someone other than me. I have not gotten this information and I 've been sent a repayment agreement that is asking me to notarized. Which I was n't aware of apparently a court date was missed and they are saying that I have to sign and notarize this agreement because they could take my house, car or anything they feel is valuable

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: In response to the disgusting Equifax data breach, over the past two days ( XXXX XXXX and XXXX, 2017 ) I have been trying to institute fraud alerts and credit freezes on XXXX, Equifax, and XXXX. Although I have called and logged on multiple times at various hours, I have been unable to complete the requests - their systems just say " Unable to complete your request at this time. '' and the " customer service '' operators have referred me to various other phone numbers that just refer me back to the original numbers ( the classic run-around ). Any agency that collects such vital and confidential information on almost every US citizen should be required to develop and maintain robust security consumer response systems. Our data is now " out there '' forever - we ca n't change our Social Security numbers or birth dates so we face identity/credit theft forever, too. I hope that our governmental representatives will fully investigate this failure by Equifax ( including why it took almost 2 months to reveal the leak ) and require solutions that prevent such security breaches and provide consumers with ongoing protection not just for a year, but forever, no matter what the cost to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX, I took out a mortgage with XXXX Mortgage XXXX, XXXX. They advertised the lowest interest rate and lowest monthly payments at the time, that was the reason I decided to take out the mortgage loan. However, the monthly payments ended up being to high that I was not able to afford them, which is the reason I defaulted on my loan in XXXX of that same year. Then in XXXX of XXXX, I received a Summons and Complaint that Wells Fargo started to foreclosed on my home. I tried making arrangements such as doing loan modifications with the bank but I have been denied several times. Lastly, I was selling my house as a short sale because it would help me not to accrue debt but the bank decided to place my home on an auction sale.

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eastern Account Systems of Connecticut, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Have two medical collection accounts with Eastern Account one for {$210.00} and on for {$270.00}, I made a payment ( after weeks of trying to contact EAS- their phone system is horrible, no one returns your calls and they keep you on hold for half hour at a time ) on XX/XX/XXXX for both accounts for a total payment of {$490.00} which cleared my bank account on XX/XX/XXXX. 

One of the accounts ( one for {$270.00} ) has reported closed and paid on my credit report, while the other one has not. I called EAS AFTER 3 hours of trying to reach someone I finally get growing, I was told they update on the XXXX of every month and I have to wait. I asked how is that possible since the other account was update on XX/XX/XXXX as closed and paid? I left a message for senior management- and I have n't heard back from anyone. How can the same company report one account closed and not he other when one check was n't paid for both accounts?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CT).
Issue: Problems when you are unable to pay

Complaint: There is debt in my name for a former auto loan. The debt is with Ally Bank. This creditor gave my personal information to an unauthorized third party over the phone. They did not try to verify my information ( social security number, address, DOB or even my name. ) The creditor then gave all of my personal information and information about the debt to a third party.

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 04/24/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: Debt was signed in Colorado with original creditor. Then, all of a sudden a company cal led Midland Credit filed  a judgment against me and sent a process server to knock on my door at my current residence in Florida at  XXXX  on a Saturday and made a ruckus with my roommates by doing so and posting threatening notes on our door. Unlawful practice needless to say. Secondly, I was never given the opportunity to resolve the matter with the company directly before they filed the judgment in the state where I currently reside. I am currently unemployed and can not pay the debt in full at this time. I am willing to work on a lower number or payment plan with them but ONLY if they remove the judgment that they filed against me in  XXXX   XXXX   XXXX , Florida.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Customer service / Customer relations

Complaint: During XXXX XXXX my wife experienced several XXXX and I spent more tie in the hospital than home. Also, please keep in mind I pay my bills on time every month using my bill pay program through the XXXX XXXX XXXX. During this time apparently Best Buy transferred all financial dealings to Cti Financial/Citibank XXXX. When they did the account transfer I found out it only included my address, no email information or telephone number. Without being advised when I purchased the stove from Best Buiy the financing was for 18 months only and if the loan was not paid the financing was redone including all the interest not collected and increased my monthly payment from {$33.00} to {$45.00} monthly. 
I received a mailed notice from CTI that I amd late with my payments. I call in and told my account was fine and I never missed a payment so forget about The next month I receive another notice saying that I owe {$270.00} in late charges because I did n't make the complete payment. It is at this time I found out about the refinancing. My argument is that you NEVER notified me so please eliminate the late charges. It is then I am told things like I am stupid and delinquent on my payments. I asked for a supervisor and am told that they can not hear me and to all back never to get the same person etc. 
I was told that I am on email billing and that I signed to do such which I would never do because of confsion such as this. 
I then receive a letter from Citibank/USA dated XXXX XXXX, XXXX. They are willing to save up to XXXX and let me pay off the financing for {$1000.00}. Quite pleased with the offer as it me back to square XXXX and eliminate the XXXX in late charges and the refinancing scheme that they applied. I called and told the agent we wanted to pay the refinanced amount they offered, The agent said " just how will you pay this off? I told the that I felt it was none of their business but the money will be sent immediately. I was then told that the ofer is off as I can not tell them where I am going to get the money. Once again I asked to speak a supervisor and told that one will call back within 24 hours and it has never happened.

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 monetary relief
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Struggling to pay mortgage

Complaint: Im in need of dire help  with Ditech at this tim e. I got behind on my Mortgage back in  XXXX  of  XXXX  due to major medical diagnoses of my daughter. I started working with dictech in  XXXX   XXXX  to get modification or payment plan and catch back up. I was told for months that my modification was either being reviewed or missing documents I continued to resubmit these same documents over and over and each time I cal led ditech was told everything was fine and these things take time to keep resubmitting. I contacted Ditech i n  XXXX  to jsut ask if I could set up a payment plan since my amount past due was n't a high amount they told me no that i was being reviewed for am Modification. In  XXXX  of  XXXX  I once again spok e with Ditech and was told I was very close on my modification and to submit paystubs one more time a nd to not worry about any Foreclosure. On  XXXX / XXXX / XXXX  I spoke with a ditech Representative who allowed me to set up a tow payment arrangement of {$1200.00} and then {$1600.00} and it would bring the account current I agreed and was then served a Notice to foreclose on the following Monday  XXXX / XXXX / XXXX . How could I be in line for Modification and a Payment Plan and now being served Foreclosure papers. I have a  XXXX  Daughter and have the funds to pay my past due and keep my home at this time. I need help understanding the Dual Tracking Process that is happening to me at this time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Credit card) with Glasser and Glasser, PLC (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Based on information and belief, I have continued to request for validation and the alleged debt. I have, and continue to request for validation but to no avail. I never received any communication from Attorney XXXX XXXX XXXX. I did not make the charges that they allege, she did not submit a copy of the contract with the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Student loan (Federal student loan servicing) with College Loan Corporation (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Is it possible to get a history of my student loan consolidation that includes loan numbers, loan types, the funds that were dispersed and the names of the institutions that were paid. It has been frustrating, i have called servicers, lenders, dept of ed, XXXX, numerous times for information. No one seems to have the details. Is there any way I can find this information so I know the loans that i have paid. There are discrepancies between my records and XXXX.

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 04/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen took over my loan from XXXX. It has been nothing but a nightmare since. Ocwen stated that I did not pay my property taxes, so I paid them the deficiency that I owed. After this this ( XX/XX/XXXX ) they have continued to add fees without explanation. The long story short is that each month Ocwen creates new fees out of nowhere. When I try to call to discuss and get an explanation for the fees, I get transferred to a specific guy in XXXX. He will not listen to anything that I have to say. He just repeats himself over and over again or continues to change his story. This has been going on since XX/XX/XXXX. Can you advise what I can do for help? Note : the customer service department had originally fixed everything. Then the research department ( out of XXXX ) reverted everything back the mess it started as. For several months I received several different statements montlly none of which matched. Upon more complaints, they stopped the correct versions of the statements. I finally stopped calling them after a year 's time and looking on line for help. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit line increase/decrease

Complaint: Companies that will not make it easier to contact them will always be met with such a complaint!!! CapitalOne held my credit limit at $ XXXX for probably a decade but then all of the sudden decided to raise and raise and raise it ... We all know having limits too high ridiculously hurts one 's credit even if they do n't use that credit. This is a business account so I asked our account manager to get it lowered but she ca n't for policy reasons and I would have to call, jump through phone queue hoops, probably have to go through someone telling me why it 's a bad idea ... It drives me insane that companies do n't realize that people 's time is valuable and this is something that could and should have easily been resolved by sending them a quick note/email online and being done with it ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Student loan (Private student loan) with SLM CORPORATION (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have taken out fou r loans via Sallie Mae  to pay for my college tuition. I have made on time monthly payments consistently but in the current state I am in now, I can not financially make the monthly payments .I took out an excess of {$55000.00} and my loans are currently holding interest rates of 11.375 %, 9.5 %, 10 %, and 9.75 %. I have contacte d Sallie Mae 's  customer service desk to see if I can have my interest rates reduced and they stated I must go into collections in order to receive any type of help for repayment options. Once I went into collections, I received  4 to 5 calls per day from an automated service stating I am past due  and need to contact the collections department. Once I called the collections department I got the run around and was told I had to pay my account up to date in order to receive any type of assistance and could only offer a forbearance for my current financial difficulties. The representative,  XXXX  ID :  XXXX , I spoke with put me on hold and forgot to mute herself. I heard her speak with her supervisor and I heard laughter once the representative I spoke with asked her supervisor if they could offer me an interest rate reduction. Before the representative got back on the phone I heard her chuckle and say " I am going to get him to pay before we are done ''. The level in which they treat customers has completely disgusted me and I still have been unable to receive any type of assistance and currently struggling to meet ends meet.

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have called and mailed Transunion, XXXX, XXXX, and XXXX XXXX XXXX XXXX regarding this account on XXXX 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 03-07-2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NV).
Issue: Loan servicing, payments, escrow account

Complaint: REF Case number : XXXX Due to an error by Freedom mortgage company while selling my mortgage to another lender, I was reported to the credit bureaus as delinquent on my payments despite a promise that this would n't happen. This shows on my current credit report as having missed XXXX payments. During this time i was servicing the loan through the new lender. This has destroyed my FICO score and thus my credit worthiness.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The company is reporting adverse information to the credit reporting agencies ( XXXX, XXXX, Experian & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.

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