milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: I started a dispute on XXXX XXXX, XXXX stating that several accounts were invalid and should be deleted from my file immediately. Within XXXX days XXXX completed there investigation and stated that some accounts were verified. so I then sent letters Asking them to send me documentation as proof of the verification that they stated they obtained from the creditor which should include copies of all original contracts bearing my signature. XXXX has never sent me this Proof. the FCRASection 609 states that they must conduct a 100 % verification Investigation during the dispute process which should include all original agreement documentation bearing My signature.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (MN).
Issue: Problems when you are unable to pay

Complaint: Monday XX/XX/2016 at XXXX I was contacted by XXXX with Ford Motor Company . He was very abrupt and was demanding proof of my husbands military status. I was 48 dpd at the time of the call on Monday. I was informing him I would be able to make a payment, to which he advised me was not acceptable unless I brought it totally current that day, and if I failed to do so, would request a Strict Compliance Letter. He made this threat to me only after I informed him that I had not been answering some of their calls because their caller id had changed. They now mask the calls, so that the caller id reads " XXXX operator " XXXX '' - and informed him that the CFPB could view this as a deceptive practice. It was after that point in the call his tone and demeanor changed despite my offer of payment, and he then threatened repo after I brought to light they may have a CFPB violation or concern. I was simplay trying to ask him if they could call me with something other than XXXX as the caller id. - I understand Ford is a First party creditor and is not bound by fdcpa. But they then called me 3 minutes later after this phone call occurred! The next morning They called me every two minutes again from the Caller ID XXXX XXXX OPERATOR. My concern for Ford is two fold. They are treating this account emotionally, as I apparently upset the collector with my CFPB concern, then manually requested a Strict Compliance Letter ( aka repo letter ) even though I had a pending debit on file. Then has called me repeatedly, literally minutes apart. They made an emotional decision, which I assure you if their accounts are audited, you will see their customers do not have a consistent time frame in which the " SCL '' letter is requested, and also that they are performing deceptive practices by having their calls appear os " XXXX '' operator on my phone, where it never used to. I do feel that although the FDCPA does not bind them from repeated calls. Every two or Three minutes, even with a contact from me is a form of harassment. Especially when I had a payment arrangement pending in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (I do not know) with Alorica Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: WEST ASSET MANAGMENT  ACCOUNT NUMBERs :  XXXX  In response to complaint :  XXXX  Your company have violated FCR  A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2  of this title relating to information resulting from identity theft, to prevent    that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious  WEST ASSET MANAGEMENT ACC OUNT NUMBERs :  XXXX  I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company Example  In re    XXXX   XXXX   XXXX   XXXX   XXXX    Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District Court  for the   XXXX   XXXX    of  Californi a Stop collect ion proceedings against me Signatures on applications and accounts Investigators report   XXXX   XXXX   SS #  XXXX  DOB   XXXX     ADDRESS   XXXX   XXXX    XXXX   XXXX   XXXX  , FL  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 08/26/2015 about Consumer Loan (Installment loan) with Omni Financial Group, Inc (VA).
Issue: Taking out the loan or lease

Complaint: I was trying to purchase a vehicle from XXXX XXXX. I was told that I need another XXXX because of the negative equity in my trade-in. the salesman told me to go to Omni financial so I did I did n't purchased anything for this loan it was just a consumer loan so the guy from Omni financial sat me at a computer told me to put in my XXXX card and went through the paper work for the loan and he did n't explain it basically he just said parts and said if you want to read it you can but I already summarized it for you so he had me set up a allotment for XXXX every month so after everything was done he gave me a envelope with all my papers work in it and gave me a card to use to get the money off of it he told me I only was approved for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is an inquiry from "  XXXX  ''. I have not done any business with this company.

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 07/23/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I had a payday loan and was unable to make payments due to a cash flow problem. Setup a repayment plan which after a few payments was unable to meet obligations due to still having cash problems. Instead of notifying me by mail of an attempt to collect a debt owed these people without warning went into my checking account and took the money causing my account to overdraft and causing me even more financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I am retired and have had my mortgage sold by XXXX to Carrington Mortgage ( which I had no say in ). Now Carrington Mortgage after more than a year is charging me a convenience fee unless I make the payment an automatic bank draft payment. I have been paying online since they acquired my mortgage and have not missed a payment or been late. I have a sizable mortgage and adding more fees onto that payment in order to force me to attach them to my account is ridiculous. They are making {$1600.00} in interest already, and it seems this practice should be illegal. Everything I read tells me they can not force me to make an autodraft from my bank account. Please advise, as I am afraid if I am forced to make this autograft to avoid fees, may cause them to try an pull from an account that may not get retirement pay deposited on time and cause an overdraft/insufficient funds situation for a situation out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Closing on a mortgage

Complaint: On XXXX XXXX, I received a call from XXXX XXXX, XXXXXXXXXXXX, at XXXX XXXX XXXX ID XXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, VA XXXX XXXX XXXX Tel XXXX | Fax XXXX to refinance my home. I was reluctant to refinance with Wells Fargo because they declined my application a year ago and returned my appraisal fee. After he offered to shorten my payoff from 24 years to 20years and lower my interest rate. I was excited for a second chance to refinance so I agreed and he sent me a Wells Fargo link to log into to submit required documents for approval. They sent me an email with a few appraisal companies to appraise my home and the cost of the appraisal was {$510.00} because he stated that he could not go forward without the appraisal fee. After I chose the appraisal company, XXXX XXXX and Escrow ( XXXX ) XXXX in XXXX XXXX., XXXX XXXX asked me to write the check to Wells Fargo , which I did. I did not receive a receipt or a statement about appraisal refunds I was not approved but when I asked about it he assured me that I would get approved. As weeks went by, after they received my check, they kept asking for more documents and went as far as to ask my husband for documents even when his name was not on the refinance application. I felt that XXXX XXXX was delaying my application so the 90 day time frame would run out. Just as I thought, I received a call from XXXX XXXX onXX/XX/XXXX stating my loan was declined because my husband did not make enough money. I asked why didnt you tell me this earlier and you assured me that I was going to be approved and when I asked for my appraisal payment to be refunded, he told me the company will not refund my money and there was nothing he could do. I am writing you hoping you can investigate this issue because when I applied for a refinance with Well Fargo a  year ago and was declined, my appraisal was refunded within 30 days. I feel I was scammed and is very disappointed with what just happened to me. Please help. <P/>Others Involved : 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 monetary relief
Consumer complaint received 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PINNACLE RECOVERY, INC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Pinnacle Recovery, a collection agency called my place of business and left a detailed message regarding my debt. When I returned the call and complained that it was a violation of federal law to call one 's place of business, the gentleman denied it. I then asked for their business ' address so I could submit a complaint about them and he refused to give me the business ' address. He then said he would only provide the address if I paid the debt. I refused to pay the debt and that is where we currently stand.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the 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 non-monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX/XX/XX/XXXX I received a statement from XXXX and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) XXXX continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by XXXX asking why a bill was n't being paid. At that time I was shocked to hear that I owed XXXX anything and requested more information and an investigation about why or how I owed any bill. After being told by a XXXX representative that there were no purchases made on the account I requested that the monies be returned to me which XXXX initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask XXXX to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XX/XX/XXXX early XX/XX/XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested XXXX to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue XXXX for the egregious error they have made on my credit record. I had no derogatory information listed from XXXX on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX in 2011, through XXXX, I took out a XXXX loan to assist with the cost of the XXXX XXXX. While I had made payments ( when possible ), unbeknownst to me, XXXX now indicates that they own the loan. They had never forwarded any documentation indicating so, via an assignment or anything else. I have disputed with the credit reporting agencies, but to no avail. I have asked time and time again for this information, and no one is able to provide me with said documents. The contract I had was with XXXX not XXXX. Also, they have not furnished me with a copy of the agreement with XXXX ( signed by me ). Nothing has been furnished at all.

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 07-12-2015 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: We fell behind on our mortgage in XXXX due to hardship. Despite monthly attempts to CCO mortgage for forbearance, we received none. The representative, a XXXX XXXX XXXX from their collection department, repeatedly pressured my husband and I, XXXX, to short sale our property. Because we help over XXXX in equity, we found this repeated suggestion harassment. The In XXXX XXXX, we applied for of loan modification of our mortgage. We promptly provided all the required paper work, including a copy of my husbands XXXX and his XXXX XXXX statement reflecting his XXXX XXXX retirement income. XXXX XXXX then repeadedly called my husband requesting " the letter of permanent retirement income from XXXX ''. Despite My husband 's attempts to convince XXXX XXXX that this letter did not exist, XXXX XXXX continued to insist and to pressure us to short sale. In XXXX XXXX, XXXX XXXX closed and destroyed our loan re-modification application and our mortgage was then sent to forclosure. The day we recieved the notification, I promptly called XXXX XXXX supervisor and started a new application. Our paperwork arrived to CCO mortgage in 3 business days. We were accepted for an internal loan modification, however, we were charged between $ XXXX {$1000.00} to remove our loan from the foreclosure department. We agreed to this for fear of losing our home. We signed the loan agreement in XXXX of XXXX and have been on time with our mortgage payment since. My attempts to discover what exactly happened and how much we payed for the " forclosure Fee '' have been ignored. I know this practice was not legal and was another mortage company trick used to cheat consumers. We would like to recover this money and have it applied to the balance with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My ex husband XXXX XXXX and his current girlfriend XXXX XXXX keeps using my credit and I ca n't even access my report because I do n't know what creditors and mortgage companies they are using.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Consumer Loan (Installment loan) with Flurish Inc. (AL).
Issue: Problems when you are unable to pay

Complaint: I got a loan from lend up XXXX dollars till my next payday they would withdraw XXXX and some change but for some reasons I get a call from my back fraud prevention center something about XXXX XXXX and they had ran this 9 times is XXXX dollars. I Thinks company is a scammer or some not legit XXXX And some strange reason they sent me a txt messages regarding this account from this number XXXX thats not happen accounts are discuss I know this company have several financial lending and collecting 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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: After several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my XXXX credit file and find that my personal information was breached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Citi cardsswitched me to electronic billing in XXXX 2016 to save the trees. However, they didn ; t send us a single statement after this either electronically or by mail. Since we pay bills through our credit union, Citi card payments have been steady and paid every single month. We could not get the eBill function to work like with every other lender, but it didn ; t seem to matter until today. I got a call from one of their collectors, and Citi was " getting the payment a day or so late each month. '' For this, we have been charged {$26.00}, and {$37.00} a month for as far back as I could look. I had no idea because we can ; t seen to get through to them electronically, we do n't get statements, and since I 'm XXXX XXXX XXXX - it does n't do a lot of good to call them. Their collector demanded to know where our payment was. I looked at XXXX and saw the payment was posted late last week, but because it does n't post immediately, here comes another late fee. And since we never saw the updated card agreement, how can they legitimately increase the late fees from {$26.00} to {$37.00} anyway? All while we send them {$200.00} or {$250.00} a month? This is wrong on more than one level. Also, how can they call my cell phone at work when I never authorized them to call my cell phone? Why ca n't they just send me a letter???

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 10/23/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Advertising and marketing

Complaint: I recently received a mailing of a new agreement from Citi for my Citi Dividend account informing me of my right to request to opt out of arbitration. I mailed a notice to opt out to the designated Citi XXXX XXXX . Today I received XXXX envelopes from Citi. The letter from XXXX envelope states : " As you requested, effective immediately, your Citi Dividend account is no longer subject to the arbitration provision of your Card Agreement. '' The letter in the other envelope states : " Your Citi Dividend account is still subject to our arbitration provision because your account is n't eligible to opt out of the provision. '' Both letters show my name and address as well as the correct endings for XXXX card numbers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation