milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information which has led to a data breach that puts myself and millions of others at risk. They decided not to securely handle this important data with proper authentication, encryption, or storage. Sensitive info, like my SSN, now has the potential to end up in somebody 's hands that will use it to steal my identity and potentially ruin my life. 

I am extremely upset with how Equifax has handled reporting this breach as well. Very little was done to notify the public after the breach was detected. I had to find out about the breach from second and third hand sources on social media, as I received no notification what so ever. This all is an undue burden from a company that I have no choice of doing business with, as they are a vendor to my credit companies. Equifax has displayed the utmost negligence and lack of remorse. Their executives even cashed out stock before announcing the breach to the public so they would n't lose too much money, which is truly shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit card () with SYNCHRONY FINANCIAL (NE).
Issue: Closing/Cancelling account

Complaint: I asked to have my XXXX account closed back in XXXX. I then paid off the card. An automatic renewal of a Fotor service for XXXX was processed through my XXXX account on XX/XX/XXXX. I called XXXX and they deny the account was ever closed, however even though I allegedly have {$4400.00} credit ... the charge was not made to the XXXX account but to a bank account associated with the XXXX account. Obviously the XXXX account IS CLOSED because the charge went to a bank account instead. This was an unauthorized use my closed XXXX account to satisfy the XXXX charge. When I tried to dispute the charge, I was told ( by an online message ) that the dispute could not be filed and I was locked out of my account. I could not get back into my account nor could I reset my password. I want the XXXX refunded to the bank account ( ending in XXXX ) from which it was removed without permission and proof that this XXXX account IS closed.

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 04/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX i disputed XXXX collection account and XXXX inquiries on my Transunion credit report on XXXX/XXXX/2016 i received a letter from Transunion dated XXXX/XXXX/2016 stating the investigation was complete and the collection account was verified but nothing was said about the inquires. I sent a follow up dispute on XXXX/XXXX/2016 stating I did not believe they investigated my dispute and my dispute must be investigated properly and completed within the original time frame. On XXXX/XXXX/2016 I received a letter from the collection agency dated XXXX/XXXX/2016 stating that they could not verify my account right now and they need more time to do so. Transunion violated my rights and falsely verified a collection account and completely ignored the inquiries i disputed with them.

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 02/14/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: A year ago when I learned about the new property tax rate for my property, I called and asked Roundpoint Mortgage Servicing Corp to immediately review my escrow account and make an adjustment accordingly. Apparently that never happened. Now, I am learning my escrow is projected to have a shortfall of more than a whopping {$800.00}. This is an outrageous amount, and it reflects a pattern of negligence at this company. Not only did they fail to perform the review LAST YEAR, they also previously lost the paperwork when they acquired servicing rights to my mortgage and claimed that neither I, not my building, were insured. They also previously failed to properly inform the city where I live and my insurer about the fact they had acquired the mortgage servicing rights. This is now the second time I have complained about the company and its overall lack of due diligence and care. It failed to perform my request and I immediately demand that the company review the escrow about EVERY SPRING - once we know the new tax rate for the City of XXXX. Ironically, they are telling me this XX/XX/XXXX, just a few months before a brand NEW tax rate will be kicking in for 2017. Given the timing of this annual review process, it means that they will inevitably fail every year to properly adjust my escrow payments to keep pace with the taxes in my city. This needs to be done at the time the new tax rate is approved by the City Council - which is precisely what I asked for last year. I truly believe this company needs to be thorough examined for compliance by the CFPB. I have a strong suspicion, based on my interactions with them to date, that there is a very strong chance they are not complying with federal law. I also want consumers to be aware of the problems with this company ( which also include major challenges getting anyone on the phone when you call the customer service line ).

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 02-03-2016 about Other financial service (Check cashing) with ACE CASH EXPRESS, INC. (TX).
Issue: Fraud or scam

Complaint: I was awaiting a check in the mail. I received an email stating that the check had already been cashed. They emailed me a copy of the check with a my signature forged. The person that cashed the check cashed it at ACE Express on XXXX XXXX in XXXX Texas. Prior to her cashing the check at that location she went to another Ace On XXXX XXXX and was not allowed to cash the check because she did not have an identification or drivers license. So to shorten the story she was allowed to cash my check without Id and I am still waiting to receive my money as well as speak with someone with Ace.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Have made numerous attempts to contact collection agency to resolve my debt. Today is XXXX/XXXX/16 and I was promised a call back 3 weeks ago from the girl that is handling my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On  XXXX   XXXX ,   XXXX   I was doing refinancing of my Mortgage and my credit was ran and the loan  officer  discovered that I had just received a student loan and my response was that I do not have any student loan. Here is the info about the student loan :  XXXX   XXXX  Account :  XXXX   XXXX  on  XXXX   Amount  : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Struggling to pay mortgage

Complaint: ok.. im so very sorry to do this again.. but my concerns are if everything esp..from here on out isnt documented or monitored is going to do us no good with ocwens history but it does seem to be that we have been able to speak to the same person more than once now and that he hasnt been giving us different answers but that is not to say that 2 weeks from now we wont have a different relationship mgr with different answers and rules..i know you guys absolutely hate me but im just a mother trying to save our american dream ... ..on this last trial offer you are making us..it says that all liens must be free and clear.. before the permanant modification, so since you have been paying our taxes since you took over our loan ... is it up to you to clear this up or up too us? thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.

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 09/13/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Back in when I was first looking into attending college, a Wells Fargo banker gave me the impression that I needed a private student loan in order to cover school expenses that did not directly relate to tuition, such as purchasing a laptop for school. Since that time, I 've discovered that such information was false and that one does not typically pursue private student loans unless the cost of tuition exceeds the total amount of public loans/grants that available publicly. 

The result of this misleading information was that I signed up for a pair of private student loans to fund my XXXX college education, and I 've been stuck paying over {$200.00} a month for several years since the end of my education -- well over the average amount for most college students. 

In addition to obtaining this misinformation relating to college funding, I 've been denied student loan consolidation through Wells Fargo, even after having been pre-qualified for it. Wells Fargo initially miscalculated my income as having been bi-weekly instead of weekly. I corrected this information and was still denied the loan, and I never received an explanation regarding the denial.

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 07/21/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Coinbase is holding all my virtual balance due to a problem in their database for more than 72 hours. The support service does not answer any email or direct message via XXXX. I think this service could be a scam. I 'm triying to contact support since the incident occured, but no answer : XXXX XXXX XXXX, 2017. They are holding XXXX XXXX. And I got an automatic case number : # XXXX They have a lot of users complainings in their community forums and Coinbase are ignoring us. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of debt that this company is attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Trouble during payment process

Complaint: I have a conventional mortgage with Ocwen and I have allways paid my own taxes and insurance but about XXXX months ago the mortgage company added a very expensive insurance policy double what XXXX XXXX is charging me and I have sent countless doucments with proof of insurance even having my insurance agent contact Ocwen personally to no avail to this day they have n't completely removed the escrow account, every time I comply with what they need the company or their representatives ask for insurance dating back a year and a half ago but never asked for these documents untill a few months ago. I live in XXXX michigian and have had the home since XXXX and would hate to loose my home over a mistake that this mortgage company refuses to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Application, originator, mortgage broker

Complaint: Payments are current. Have not received escrow or account information since XXXX, XXXX. Today is XXXX XXXX, XXXX. My payments have also been fraudulently inflated for the same period. Mortgage account transferred from XXXX to NationStar property services in Texas. NationStar continues to cash my checks without sending me any accounting of my payments. I have reached out to XXXX XXXX, Investor ; but still have no results. I have a federal HARP loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Federal student loan) with Loan Science, LLC (CT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have sent cease and desist letters yet this company continues to call repeatedly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing on behalf of my minor child she is XXXX i received her credit report from all three bureaus and everything is wrong from job, all the addresses, year of birth and even accounts i am enclosing her birth certificate, social and my id and bill only address she lived was XXXX XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: It is XXXX XXXX 2018 and yes my funds have gone too low. I called this girl named XXXX XXXX who said call anytime and she could help. Well guess she lied because when I called she totally blew me off saying she could only help once. Seriously, you take all the money in overdraft fees does not make up for the small amount I accidently withdrawn. Please tell me why XXXX in fees is feasable for a small accidental withdraw. I hate citizens bank. The CEOs for this company have to be swimming in money. Sad that you guys can not help someone who is trying to catch up but they keep taking all of any extra funds I put in the bank. Is there anyone who would help? I have an attorney appointment to file bankruptcy. All I ask is for a few months to catch up. I will catch up if they would stop taking all my money in overdraft fees. This is very sad that Citizens Bank is responsible helping poor people stay above water. Hope the CEOs are proud of themselves. Like XXXX will break them. Sad sad sad!!! I 'm trying and you just keep pulling me down. Any federal agencies that can help? Please help me find a solution. I am trying!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX MN Credit Bureau Address City, State, Zip Code XX/XX/XXXX Dear Experian I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, ( 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 04-05-2015 about Prepaid card (General purpose card) with PAYPAL HOLDINGS INC. (TX).
Issue: Managing, opening, or closing account

Complaint: My paypal account was permanently limited by Paypal on XXXX. I have contacted Paypal several times, but customer service department could n't explain to me why it was limited since it was done by another department. I have over {$3000.00} in the account and could n't be transferred to my bank account due to limitation. Paypal said that it will be held for 180 days. I dont think that it is legal to hold the money for that long time without proper explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Wrong amount charged or received

Complaint: PayPal insists on charging their exchange rate when I make a purchase, and makes it difficult if not impossible to opt to be charged in local currency. I have a US credit card that offers me the spot exchange rate for foreign currency transactions so obviously I choose to be charged in foreign currency instead of having PayPal opportunistically give me their above-market rate. Please force them to at least offer the option of being charged in local currency.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: I signed a promissory note on XXXX XXXX, 2004 with XXXX XXXX and have still not received a certified copy of the original note with the proper endorsements to any other lender, even though XXXX XXXX claims to be acting as Trustee for an LSF9 Trust I know nothing about according to the attached assignment of Deed of Trust. Therefor once again per Section 6 of RESPA this is a qualified written request ( QWR ) for all the documentation pertaining to my note.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My lender ( Ditech ) has not cancelled PMI even though my loan amount is now below 78 % of the original loan amount. I have called them and written to them and the situation is still unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I disputed the debt with the credit bureau wanting to have the debt verified but all I received was typed up letters. I have no contract with Account Resolution Services

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 09-09-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name XXXX I had periods since XXXX where my payments were in excess of XXXX days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XX/XX/XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XX/XX/XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX I opened a checking account at M & T Bank. This account was supposed to include a {$200.00} bonus at the end of 90 days with direct deposit. After XXXX emails and a phone call I was sent an email on XXXX that I would be receiving {$200.00} in my account on or before XXXX. I never received the bonus so I sent another email. On XXXX, XXXX, I received anther email that they were looking into the matter. They are clearly stalling and I suspect fraud. I am sick of this back and forth stall. I want this settled now.

Company response to consumer: Closed with monetary relief