milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Presently, while the account is showing a {$0.00} balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer ( XXXX XXXX ) transferred this loan to XXXX XXXX XXXX. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the XXXX XXXX XXXX  applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!

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 12-01-2015 about Debt collection (I do not know) with Centric Asset Management Inc (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Company called my home phone number XXXX, asking to speak to XXXX XXXX XXXX about his father XXXX XXXX. I returned call to called named XXXX who identified himself as an employer of XXXX XXXX on ansering machine. I told him that my husband 's name is XXXX XXXX XXXX and we do not have a relationship with XXXX XXXX and to remove our contact information and direct any communications to XXXX XXXX 's mailing addressXXXX then began to get belligerent on the phone and call myself a liar and describe the house that belongs to XXXX XXXX. I attempted to inform him again that we would like to not be contacted again and asked for company name and address. He said he worked for XXXX XXXX and hung up. I then called him back several times on my cell phone XXXX attempting to once again obtain mailing address to send notification to not contact us in regards to this issue with XXXX XXXX. He then began telling my husband and myself at this time he would press charges and have us arrested for harassing his business and how we are liars we always see and speak to XXXX XXXX. Threatened my husband that he would call everyday until we told XXXX XXXX to contact them or they would come after us for the debt. The debt he then told us was because of a bank fraud and that we would be responsible for the money. I, nor my husband, are XXXX XXXX and this information should not have been disclosed to us and he would not use our home phone number as a reference because we only make calls with our cell phones. I contacted the Attorney XXXX XXXX in Louisiana and they informed me to contact FTC with complaint. I still do not have any contact information for the company. The called from phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to pay mortgage

Complaint: Forced Foreclosures-  Wells Fargo Unethical Strategy -FHA Mortgagors Main Tar get  XXXX   XXXX  after losing  XXXX  yrs. full time employment was able to use the remainder of my Illinois  Hardest Fund. When depleted, contacted my lender WF who at  their suggestion began my attempt to Short-Sale my home. Since  XXXX  I have had  XXXX  contracts submitted.  XXXX  of which withdrew because  1. WF  long delays in acceptance/denial periods. Counter bids by buyers went unanswered even though these bids were found to be thousands more than  WF was asking. 2. WF  never spoke to me regarding the 120 day time-frame in which they were to have offered me a Deed-in-lieu option thus eliminating that option for me. 3. Practice Duel-tracking  (  sale dates initiated while valid contracts are being processed )  XXXX . Violation of the  Rosenthal Ac  t ( p retending to process short-sale and verbally agreeing to extend sale dates but then follow up with letters after the fact using language like, " requested sale date be extended '' to keep Mortgagors from taking any precautionary measures i.e, bankruptcy or attorney ) 5. Violation of HUD requirements of offering mortgagor as occupant required  HUD-1  relocation funds nor attempted to visit mortgagor at the home which is less than  XXXX  miles of a Wf site ( FHA-HUD requirements before foreclosure begins  ) 6.  Denied Streamlined Short-sale when  XXXX  of the  XXXX  criteria had been met 7. Made to Begin process over even when offers were consecutiv e ( days apart ) 8.   Breach  of Settlement Statement Agreement  withdrew relocation funds 9.  Breach of Good Faith and Fair Dealing 10. Conspiracy to force Foreclosure of FHA Mortgagors to sale property, collect FHA insurance and attach deficiencies to  Mortgagors   11. Attaching day after sale dates to court orders knowing the practice of short-sale applications not being based on their merits but dening based on sale date. Lucky for me The Judge saw thru this last practice of trying to dupe the judges Status Hearing Orders and vacated sale date Altogether.          WF Loan  #  XXXX   WF Executive Ofc.  complaint tkt #  XXXX  -  XXXX   XXXX , Solution Specialist HUD Acct.  XXXX  HUD  Inquiry Tkt  #  XXXX   XXXX   XXXX   Circuit Court Case   XXXX   XXXX  Short-Sale Law Firm -  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , IL  XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX  Thanking you in advance for your consideration to review. I strongly believe that elderly persons are victims of this most   XXXX   strategy.

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 04-10-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid XXXX last month to catch this account up to date and they are reporting paid up to date nor have they adjusted the months they say I was late and per document I sent you

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 11/15/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: As a Home Owner Citizen of the United States, I am angered and dismayed by Ditech/XXXX use of Federal Law to claim cushions as a safeguard and projections as excuse to add charges to borrowers ' accounts ( contrived by people that have no stake in the home ). Charging additional money and not processing payments ( holding payments in unapplied funds UAF ) result in additional and unfair charges/fees, bad credit reporting, threats of and real foreclosures. These practices are predatory tactics of an unscrupulous and greedy mortgage industry that has total power and control. It is laughable ( if it was n't so sad ) that the powerful mortgage industry claims need for safeguards/protections against the lowly individual. I vehemently dispute the calculation of additional cushions/projections ( fake charges ) that put consumers into a foreclosure status ( piling fees, upon fees, upon interest, upon fees ... ) .These additional charges are CONTRIVED ( trumped up charges, not true debt ) no matter what legalese/label used, i.e., cushion, projection, fees, whatever. Ditech/XXXX claims of borrowers being payments behind because of their calculations, holding funds UAF, and practice of sending contradicting letters claiming various amounts owed provides evidence of a mortgage industry gone awry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Checking or savings account (Checking account) with FIRST CITIZENS BANCSHARES, INC. (OR).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: First Citizen Bank - XXXX, Oregon Location. 
When I tried to open the Checking Account with First Citizen Bank at XXXX Branch on XXXX/XXXX/XXXX using {$200.00} Promotion when opening account, The manager? first did not give the " Notice of Action Based on Information Contained in a Consumer Report. I had to ask him to print out the notice then he printed out the notice. However, there was no name of the bank on the Notice, so I asked him to put the Bank 's Name. But he refused. I went bank second time but still refused. Is the Bank allow to not providing without their bank name? I need to have their Name of the Bank in this Notice to prove I was not able to opened up Checking Account with the Promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Managing the loan or lease

Complaint: I took out a loan with Synchrony Financial/ Care Credit XXXX It was to have 0 % interest for the entire life of the loan. They continue to add " new Purchases '' that I have not made. but they claim I owe They continue to raise the rate from 0 % to 26.99 %. I have paid approx. {$3000.00} on the original {$7200.00} but claim I owe {$7600.00}. The 0 percent rate was for the promotional period and the promotional period stated until paid off. I would not have accepted this loan if I knew the interest was above 26 %. I live on social security and their payment and my HUD subsidized rent exceed my entire income. My income has not changed since I got this loan except for this years social security XXXX. Although I have asked several times, they will not send me information on what they payments they have received and how much I owe. They say they have no options. I have been sent transaction summaries showing draws for XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen has held onto 3 payments since 2014 ; per their own payment history ; there has not been a consummated loan modification because of the various mistakes that Ocwen has made.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Southwest Credit Systems refused to remove identity theft item after both a police and ftc report where made regarding the alleged debt. Companies like this should be more regulated. Changing get dates and account numbers for the debt as they snap their nose at anyone who tries to regulate them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10/13/2017 about Debt collection (Other debt) with Professional Bureau of Collections of Maryland, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Professional Bureau of Collection in XXXX XXXX XXXX XXXX XXXX XXXX has taken an old debt from XXXX that shows closed and paid on my credit report and opened a new debt through their company for {$6200.00} as a collection on my credit. I have worked hard to repair my credit and this dropped it significantly. How is this even legal to open a new debt on my ss # with their company. Please help me to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This medical debt is not mine my purse was stokden with insurence cards id and everything in it it has been a used many times without permition

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX and XXXX of XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: I am a XXXX and have been a top producing agent for more than XXXX years. My buyer used Loan Depot to obtain financing. From the get go, XXXX XXXX ( lender at Loan Depot ) never returned emails. I would get a couple here and there, but I would have to send multiple emails to get a response. After 3 weeks of her having the contract and clsoing date, she sent an email out that we needed an extension on the closing because she just locked the buyers loan in. That is after 3 weeks of being under contract. I was getting no where with XXXX because all of her answers didnt help, so I had to get in touch with a Manager. I spoke to XXXX XXXX. That was about 3 weeks ago and he said he reviewed the buyers file and it was a " squeaky clean, '' and he let me know he is a solid buyer with no issues. I relayed this to the seller, even with the sellers mother ( who is a broker in the area ) told me she does n't feel good about this company, and that is why they allowed the extension. I convinced the seller that everything would be ok and XXXX XXXX said the deal was going to be easy and there were not going to be any issues. All of a sudden I received an email from XXXX that stated the loan was denied. He would not give me any specifics, so I had a local company run the buyers credit, well the buyer did not get financing because of his credit. Its sad that Loan Depot took 40 days to figure out his credit was going to be an issue. I do n't get it!! I looked at the pre-approval letter andit said this was already taken care of. This is something that should have been known from the get go. I feel bad for both the seller and buyer. The buyer wasted $ XXXX on the inspections and appraisal and the seller was purchasing a new home and wasted {$1000.00} on her inspections and appraisal. I am just tired of companies like this lying to buyers and sellers and it needs to end. I am a real estate broker and if I conducted business like this, I would expect to lose my license or would have to take more schooling because I dont know how to work in this business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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: the better business bureau referred me to CFPB because the problem goes back to  XXXX . Equifax refuse to correct my credit report and score, my credit score was  XXXX  in  XXXX  and it remains about the same to date. I paid off an SUV in  XXXX , paid as agreed never late, Equifax reported it for a while and then dropped the report but keep the score the same,  XXXX . It is my understanding that the report is to stay on your report fo r ten  years, I contacted the credit grantor and they said they would report the credit file to Equifax but to date, my score has not changed.   I want Equifax to report the file for the SUV purchased in  XXXX  thereby extending my credit history to  XXXX  and not  XXXX .   I have contacted several times with the same result, no change in my credit score, I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was charged a fee both when I spoke with XXXX XXXX, and XXXX XXXX, who overnight changed the mortgage number, and gave the file to IndyMac mortgage service, who after XXXX cleared the way for everybody to remain in their homes charged another modification fee. I agreed in order to keep a home whom was not built by these people but my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Consumer Loan (Installment loan) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Managing the loan or lease

Complaint: This occurred at the Huntington Bank/XXXX, Ohio.On XX/XX/2016 I applied for a personal loan and they correctly requested a copy of my credit report on the same day from XXXX ; which is all fine.After clearing up mistakes made by the underwriting dept. at HB the loan for XXXX was finally approved. On XX/XX/2016 I received a letter from HB underwriting concerning an increase in my HB credit card limit and this is where their electronic filing system failed their underwriting department.He mentioned a possibility of needing to look at my credit report and I assumed they would look at the one HB underwriting requested just 12 days earlier on XX/XX/XXXX.They could not locate the CR requested on XX/XX/XXXX so I am being penalized with XXXX hard hits on my credit report.All banks require any credit requests be processed thru their underwriting departments. HB underwriting 's electronic filing system failed them as they already had my current credit report just 12 days old on record.I have asked HB repeatedly to send a redaction request to XXXX on the XXXX requested unnecessary credit report due to the failure of their electronic filing system to produce the credit report requested on XX/XX/XXXX. 

Why should the consumer be penalized on a request for a XXXX credit report within 12 days of each other? It was HB 's underwriting dept. who failed and still can not find the XXXX credit report requested on XX/XX/XXXX.They deferential respond was their systems are not integrated and much improvement is needed.Credit reports are full of confidential information and should be electronically filed under the applicant 's SS # .HB 's cavalier attitude about the consumer 's credit reports and their confidentiality leaves much to be desired./where is that XXXX credit report? The Banks like this have too much unbridled control over the ordinary citizen ; this is why I have reached out to the CFPB as I am done trying to work with them. 

If you can provide an e address I can send all the written messages back and forth with Huntington Bank as you see fit sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. 
The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Prepaid card (General purpose card) with CITIBANK, N.A. (NC).
Issue: Fees

Complaint: I received a Citi Visa Debit card with a balance of {$450.00} XX/XX/XXXX. The card has a one year expiration date for XX/XX/XXXX. On there site, it says that after 12 months there will be a $ XXXX/month maintenance fee. However, on XX/XX/XXXX, Citi expired the card and charged my entire balance of {$170.00} as a fee.

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 01/23/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a line of credit

Complaint: XX/XX/XXXX, I went into Chase to reestablish a relationship with them after my credit card was closed in XX/XX/XXXX. The banker told me Chase does not want to have a relationship with me with no explaination. I just want to have reestablish a relationship with this bank. Either an account or line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COOLEY ENTERPRISES INC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I received an alert that my credit score had changed. When I checked the alert it stated that XXXX XXXX reported that I was 120-149 days late on my payments. I don't understand why they would report that when they sold my account to XXXX XXXX in XX/XX/XXXX. I longer have a contract or even contact with them. I am current and update on my payments to XXXX XXXX. When I call I keep getting people give me different numbers but no one knows what I need to do to have it fixed.

Company response to consumer: Untimely response