milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have never had a late payment in XXXX years. When my loan got transfered to ocwen they have reported me as late every month since. 
I have sent ocwen transcripts from XXXX bank on at least XXXX occasions. XXXX sends the payments on time every month. 
ocwen just sent me a foreclosure notice based on late payments. 
THERE HAVE NEVER BEEN LATE PAYMENTS!! 
My home is being STOLEN from me by fraud. 
I sent a copy of XXXX 's payment info to CFPB and they sent me a list of things to send to them XXXX of which was the list I had already sent them!! 
Since XXXX wires the payments most of the things on that list never existed! 
I have asked ocwen XXXX of times to tell me which payments were late. 
ocwen totally refuses to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Deposits and withdrawals

Complaint: I signed up for Citibank 's " {$400.00} Checking Bonus with {$15000.00} Initial Deposit '' promotion via their promotional " Apply Now '' link on Citibank 's landing page and opened the " Citibank Account Package '' on XX/XX/XXXX. 
The XXXX deposit minimum was met on XX/XX/XXXX. 
The 30 consecutive days requirement was met on XX/XX/XXXX. 
The {$400.00} bonus should have posted 90 days after that, which is XX/XX/XXXX. 
It 's currently XX/XX/XXXX and no bonus has been posted to 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 monetary relief
Consumer complaint received 08-04-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: THIS COMANY IS REPORTING A NEGATIVE REPORT ON MY REPORT AND I HAVE ALREAD YED THEM PLEASE REMOVE FROM MY CREDIT THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: it has been more than 30 day that i send out a letter disputing wrong information on my report and I have not received anything as im writing this complain on XXXX/XXXX/16

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXX : I became aware of the Equifax breach which happened between XXXX and XX/XX/XXXXand I entered the last four digits of my social security and my last name on the following website to check if I was a possible victim of identity theft : https : //www.equifaxsecurity2017.com/XXXX. After checking, I was given the following notice, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This is concerning to me and would like to be updated on what will happen next.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (VA mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Trouble during payment process

Complaint: On XX/XX/2017, XXXX XXXX charge late fees in connection to my mortgage in the amount of {$100.00}. I have paid my mortgage bills on time, and I wrote them twice about this matter, and they never responded to my letters or my phone calls. I have documentation of my payments shown in my bank account statements, and have the letters that I mailed them. I am requesting them to refund me back the {$100.00} because I was wrongly charged. I would also like them to remove any bad remarks they sent to the credit bureaus Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: All attempts to settle the account and make payment are attached below. The company Chrysler Capital failed to respond to ALL document presentments as well as has taken the personal property and has kept the financial instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX, equifax and XXXX show Hard inquiries on my credit scores and Summary.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Debt collection (I do not know) with Lloyd & McDaniel, PLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collection agency is confusing me with someone with the same name. Even after letting them know that they have the wrong person ( when they tried to garnish my wages ) they have continued to try to collect the debt, threatening to garnish bank accounts. The worst part is that the legal notices of the garnishment attempts are going to the correct person, but the actual garnishment attempts are against me -- so I do n't have an notice of the activity until it happens. 

The debt collection agency has ignored all communication from me, and refused to give me any thing official to say that they realize that they are going after the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Consumer Loan (Vehicle loan) with DriveTime (TN).
Issue: Managing the loan or lease

Complaint: I was charged 30 % interest for a car loan. The car value was XXXX. I will pay XXXX for the car in total. I was never told I could lower the interest rate and the payments have been extended by 8 months. I would like to finish paying for the car now. they have gotten more money then the car XXXX is worth. This is unfair predatory lending. This is unfair consumer practices

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: my accounts nordstrom account number XXXX date opened XX/XX/XXXX and XXXX XXXX account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (CA).
Issue: Struggling to pay your loan

Complaint: On or around XXXX XXXX, XXXX I visited a XXXX XXXX  location in XXXX, CA. At that time the staff was welcoming a friendly and informed me that I was eligible for a loan of {$2600.00}. After they took fees from that amount to register the car and other fees I walked away with {$2100.00}. I made 1 or 2 monthly payments in the amount of {$390.00} before I took my income tax money to pay them off in full around XXXX XXXX, XXXX. At a later date around XXXX/XXXX/XXXX, I ran into another hardship and reapplied for another loan. This time they did not charge me all of the other fees but gave me a check for {$2600.00}. None of the employees or affiliates informed me that every time I make a monthly payment that more will be applied to the loan if I do n't come in and pay {$3500.00} in total at one time. Daily interest of {$10.00} + accrued even though monthly payments were being made which has placed my family in a financial hardship. After speaking with the employer I learned that I would have to pay them nearly {$15000.00} before my loan would be paid off if i " wanted '' to continue to pay monthly fees. Again, none of this was explained to me at the time they reassured me that I can just make monthly payments until I reach {$3500.00} to pay them back. Out of good faith, I reached out to the employer and asked them to refinance the loan so that I can afford the monthly payments until I am able to come in with a large lump sum when I get my income taxes. The manager XXXX XXXX stated that I would have to come in with the Monthly payment plus the daily interest estimating in an amount of {$770.00} in order to refinance the loan to a smaller monthly payment amount. I could not afford it and have been forced into a financial hardship. Currently, the vehicle is a total lost according to my insurance company " XXXX XXXX '' and the insurance agency is ready to pay me out. Unfortunately because XXXX is the " XXXX '' the insurance company is asking for my signature to send the check to XXXX Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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: XXXX  complaint reference I disputed and those companies reviewed and said was accurate. Transition wants specific acct numbers and nature of dispute. The following  XXXX  accounts were denied by me in court All  XXXX  lawsuits were dismissed and not proven to be mine I wanted all reporting of these account and collection of said accounts removed from my credit report  XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 11-08-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CT).
Issue: Deposits and withdrawals

Complaint: Plain and simple : Scottrade has enormous hidden fees and cost me over {$200.00}. 

I opened an account with Scottrade a while ago and the branch manager that assisted in the account opening pretty much swore that the only fees are the {$7.00} per trade. Well that could not be more false. The additional and hidden fees at Scottrade are enormous and Scottrade does charge more than {$7.00} per trade. 

What is most worrisome is that Scottrade could not explain each one of these fees for me and instead repeatedly asked me to call the national center for advice. The national center could not answer them either, only stated that they would get back to me within a week. 

Well, it has been a week and I have still not heard of any explanation to the fees and whether I will get any reimbursement to my account. My advice to others, do n't be a victim of this company and take your money elsewhere.

Company response to consumer: Closed
Consumer complaint received 08-04-2015 about Consumer Loan (Title loan) with Greene Finance Corporation (NC).
Issue: Charged fees or interest I didn't expect

Complaint: Title loan with XXXX finance. I may owe more than the car is worth, due to their interest rates and late fees..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
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: XXXX XXXX XXXX XXXX/XXXX is reporting that I was 90 days late on my student loans in XXXX  2011. I have mailed letters and have contacted XXXX XXXX XXXX XXXX/XXXX numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that XXXX XXXX XXXX XXXX/XXXX provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. XXXX XXXX XXXX XXXX/XXXX  do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the XXXX XXXX XXXX XXXX/XXXX is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the 3 credit bureaus.

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 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I wanted to purchase a XXXX indoor training bike for my wife before XXXX last year and was encouraged to use the " instant credit '' application on the XXXX web site. I did so and it has been a nightmare ever since. 

It was not instant credit - took several days - and I never received the card I was promised. I did not get the purchase made for XXXX due to all the problems. 

I visited a XXXX store in XXXX a few weeks ago and purchase the bike using the XXXX account through XXXX XXXX. 

A couple of days later, I received an alert from a credit bureau indicating that my credit score had dropped by 100 points!! When I inquired, I was told it was because my XXXX account had been, " closed by credit grantor '' and this was considered a negative for my credit. 

I inquired and was told that XXXX was no longer doing business with XXXX, causing XXXX to indicate " account closed by Grantor '' for all open accounts with XXXX, regardless of whether they were past due or current.

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 04-06-2017 about Credit card () with BARCLAYS BANK DELAWARE (NV).
Issue: Closing/Cancelling account

Complaint: I opened my Barclay Arrival+ card in early XX/XX/XXXX. I had made about 7-8 purchases on the card and was awarded my points, etc. I went to use the card on XX/XX/XXXX and the purchase was denied. I called to find out why my card was n't working and they said I 'll receive a letter that my account was closed. I have XXXX in points that I wo n't be able to use now.

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 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I tried to get a bank account with my current spouse and was denied due to a fraudulent account!!!! I have never banked with 5/3rd Bank in my life!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four digits : XXXX DOB : 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 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Genesis Credit Management, LLC (ND).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter dated XXXX XXXX, 2016 from Genesis Credit Management in which they asserted that I owe a debt of {$1400.00} to XXXX XXXX XXXX. I sent them a letter dated XXXX XXXX, 2016 disputing this debt and asking for the name and address of the creditor and proof of my responsibility to the debt, along with requesting that the debt be reported as under dispute to credit reporting agencies, and also requesting that any further communications should be in writing and limited to either their failure to verify the debt or the information I requested. I sent the letter certified mail, return receipt requested, and I received proof of their receipt of my letter dated XXXX XXXX, 2016. To this date, I have not received any written communication at all, the disputed item remains on my credit report, and the company continues to call my wife and me on a weekly basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I have had a checking account at Wells Fargo for many years. I am going to close my account after finding out XXXX things. One, trying like heck to kill off your regulation. Two, the incredible fraud in creating XXXX XXXX fake accounts and firing XXXX low level employees. 
This is unconscionable and I urge you to punish them much more than the {$100.00} XXXX fine. Take away their license to do business!

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 02/18/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: After 9 years of consecutive payments, I am still unable to get my co-signer released from the terms of the loan I was approved for to attend XXXX, as well as not qualifying for any income based repayment, loan forgiveness plans, or any benefits that are provided to federal student loans ... although my loan is owned by Wells Fargo- a major banking institution.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, through poor Internet security, allowed my personal, private information to be compromised. I am extremely dissatisfied by the fact that I have no input on whether my information is provided to Equifax or not when I apply for a loan or credit. I am extremely dissatisfied by the fact that Equifax does not have acceptable security for this sort of threat. I would like to express my dissatisfaction about the fact that Equifax waited over a month before expressing information that they were hacked. I would like to express my discontent that Equifax did not inform me IN ANY WAY and I had to rely on the media to tell me that I was in danger. I would like to express my frustration at being forcibly opted into a service that does not protect my information, that is required to participate in society ( through needing credit ). There is not recompense ( that I can think of ) that Equifax can provide that will alleviate the lifelong trust issues that I will now suffer because of this hack. I implore Equifax to attempt to regain the trust of the public, and me, by making things right. I demand credit monitoring ( for life ) and a personal guarantee that my ( supposedly ) secure information will be safe and protected. As a company that requires and stores my secure data, I expect a high level of security. This has not been provided. I request recompense for your transgressions and short-sighted decisions. Please fix the errors and frustrations that you have inflicted upon your ( often unwilling ) consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Debt owed to the collection agency has been paid in full and the credit agency us still showing balances and open accounts

Company response to consumer: Closed with explanation