milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (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: I contacted XXXX, XXXX, XXXX on X/XX/2017 and XX/XX/XXXX in regards to the negative information reported on my credit reports. Upon reviewing a copy of my credit reports I see various entries listing inaccurate Account Status ( Closed ), Payment status [ Debt included in or discharged through bankruptcy chapter XXXX,XXXX, or XXXX ] and balance. I 've asked the 3 credit bureaus to validate this information with Fedloan Servicing and provide me with documentation associated with this account. I requested that the data be immediately deleted from my credit files that are maintained under my Social Security Number. I specifically stated that I do not consent to XXXX or any other means of automated verification to all 3 credit bureaus. Which they have ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed a dispute on XXXX XXXX, 2016 and have not received documentation of resolution and the online dispute center is still showing pending.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Credit card debt) with Sentry Credit, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a credit card from XXXX and they had a problem when I was in the store with their register. This resulted in multiple charges for the same purchase. They told me it was resolved.
Suddenly I get a letter with the amount of the transaction in collections from Sentry Credit in XXXX, Washington.
I went to their website and found the option to send a dispute message and I did this. I never received a response from them. This was inXX/XX/XXXX After two weeks, I decided to pay the charge and then try to dispute it through the credit bureaus.
I sent the payment by certified letter and asked them for a response to the dispute and then to at least credit the payment.
I never heard from them even after receiving proof that they signed for the payment. I am attaching the certified letter receipt from XX/XX/XXXX when the check was sent.
I then called them and got a very rude person who was not helpful in any way until I got forceful. He then told me that they had received the payment but that it was in storage because they could not show that it was paid while it was in dispute.
Until this day I have never received any correspondence from them and this was nearly 7 seven months ago!
It continues to show up on my credit as not paid and now as a chargeoff!
I called last week and they said they did n't know what I was talking about.
I do not know how to resolve this problem even though I have proof that they signed for the receipt of the money order for {$130.00}.
It is obvious that they are trying to hurt my credit and that they have no intentions to resolve this problem.
I have now had problems getting credit because of this small situation that I tried to resolve immediately.
My address at the time of this situation was different than now : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA 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 11-02-2015 about Consumer Loan (Vehicle loan) with SYNCHRONY FINANCIAL (TX).
Issue: Managing the loan or lease

Complaint: In XXXX I financed a motorcycle loan with GE Money Bank, SYNCB/XXXX out of XXXX, SD XXXX. During the 6 years that the loan was in place I was late only XXXX time which was due to an error on my part and this took place in XXXX of XXXX. Since that time I had made special effort to pay all of my loan payments on time even paying more then the required amount with the intent of paying off the loan early. I even called in to determine the payoff if the loan was paid off early and was informed that the type of loan that I had it would not benefit me to pay it off early as there would be no cost savings or amount refunded to me for paying the loan off early. I was never notified that the loan matured prior to the monthly payments running out and that the total amount would be due in XXXX of XXXX. I was under the assumption that I would still have monthly payments and as long as I paid on time and the amount due all was good. 
However I found out this was not the case when I received a phone call in XXXX of XXXX with this regard and was informed that my total balance was due and that I was past due even though I had made my regular payment ( {$200.00} ) on the normal due date that some month but because it was not for the total amount due I was delinquent and past due. Even though I was surprised to hear this I immediately sent out a check for the total remaining balance ( {$980.00} ) on my account. 
Please consider this a formal complaint on the basis of Predatory Lending tactics and I would like to formally request that this derogatory record be removed from my credit file and history. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (NM).
Issue: Taking out the loan or lease

Complaint: We had a pay off stated from the home office of this company California ) and then the XXXX office and we paid off truck By the time they stated. We waited for over a month for the title and instead today recived a bill for {$80.00} I contacted them and they have no clue what they are doing said its a late charge.They tried saying it was paid after XXXX on XXXX if you look at payoff print out from them it was XXXX the XXXX I am tired of this company and want my title. DO NOT USE LOBEL FINACIAL they are crimanals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: Old account that is my ex husbands, I requested validation and received a response back which I am attaching for your assistance. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Settlement process and costs

Complaint: On or about XXXX XXXX, 2006, I financed and obtained a Refinanced Mortgage Loan in the sum of {$380000.00}. HSBC concealed the fact that the loan given to me was an " Adjustable Rate Note ''. As evidenced by the recorded Deed of Trust the box entitled " Adjustable Rate Rider '' that is supposed to be checked if the Loan is Adjustable was not checked and the required Adjustable Rate Riders that are supposed to be attached are not attached. ( See Deed of Trust attached ). 
I signed a fixed rate 30-year mortgage. HSBC has substituted for the fixed rate note signed by me for a variable interest rate note bearing the FORGED signature ; said another way, the variable interest rate promissory note used by HSBC in the lawsuit I filed bears a FORGED signature and I never signed said note, nor did he ever ratify said note. I hired an handwriting expert and she determined that my signature is a forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with ERC (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Contacted ERC XXXX/XXXX/2017 to request information on Account # XXXX which is showing on my credit report. The account has a {$0.00} balance and is showing PAID to this collection action. This company has no record of this account. I am requesting this account and history information removed from my credit history, all XXXX agencies. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/16/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Making/receiving payments, sending money

Complaint: US Bank, and by extension, XXXX ( their bill pay system ) have screwed me. They have taken several payments from my account without the funds in my account. I have attempted to deal with them directly and I keep getting told how it was my fault and how I had to do all the work to get the money they took from me back. And now, a month later, I 'm finding out from my auto loan company that US Bank has received funds back from them, and I have n't received all of those back into my account. So, now, it certainly appears like they 're keeping the money that they took from me. I no longer use the account because I 'm not willing to be taken advantage of again. US Bank and XXXX are horrible, they blame the consumer, and then they keep your money. They say that they contact you, they say that they send letters to you, but then you never get them. They leave pre-scripted phone messages, and they are not very helpful in general. Of course, that is just my opinion. But, also my opinion means that they wo n't ever see a dime of mine again. And, if needed, I will go to court to fight for that. Because they are wrong in this situation and I will shout it from the rooftops, if necessary. I do not understand how a bank this size ca n't take responsibility for a fairly minor issue and just take ownership and cover the costs of their mistake. I deserve the {$1200.00} or so that they attempted to take from me and then they charge me for it.

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 05-05-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Please verify this account and please send me the original contract bearing my signature not a computer generated  Bill or i temized statement

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Collection on my report. Will not remove after notifying this was in bankruptcy. Disputed more than 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Prepaid card (Other special purpose card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Fees

Complaint: I received a {$59.00} rebate card from XXXX on XX/XX/XXXX. It is a prepaid American Express Rewards Card. On the card agreement, it said " a {$2.00} monthly fee will be accessed against the card balance 5 months after Card Issuance ''. In order to avoid the service fee, I tried to use the card today ( XX/XX/XXXX, a week before XX/XX/XXXX ) for a {$59.00} online transaction and the transaction was declined. After talking to American Express card service, I was told a {$2.00} fee was deducted from the account on XX/XX/XXXX because the card issuance date was XX/XX/XXXX. Also American Express refused to refund the {$2.00} fee. 

I feel this is a deceptive practice because American Express Card intentionally do not print the card issuance date on the card or in the letter with the card and then they can charge a fee early than what a consumer thought. The American Express prepaid card customer service refused to refund the customer even they admitted the fee was charged early because the card issuance date was early and they did not inform customers about the issuance date of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has refused to take my account off escrow because of a lapse in insurance coverage. I had Lender Placed Insurance! I asked them to provides me a copy of the insurance thy placed and they are mailing them to me. Attached are copies of my correspondence with them. It proves that I had insurance so they can take me off escrow now. They have lied and tried to deceive me since they acquired my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Transunion Credit Report FILE NUMBER XXXX Dispute opened X/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Is reporting a collection of {$380.00} for XXXX services obtained by rental tenants at XXXX XXXX XXXX, XXXX, MT XXXX I owned this home and it was rented. I did not contract for XXXX service at this address! Neither XXXX XXXX XXXX or Transunion or XXXX have been able to explain why this collection is appearing on my credit report.

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 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax Executive Office previously permanently block the following account 3 years ago because the account dont belong to me, now they have put the account back on my credit report after they permanently blocked the account from my credit report. The following account is not my account : XXXX XXXX XXXX XXXX. The account is not mine and dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: We pulled a copy of our credit report and noticed a debt from National Credit Systems. It was a debt collection for an apartment we stayed at years previous. We sent XXXX debt validation letters to them and have received partial responses back with little to no information accurately verifying the balance of the debt owe. Please assist because we are prepared to file a lawsuit against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have three items on my credit report all three do not belong to me and I have no idea where they came from, please see below. 

XXXX # XXXX for {$1600.00} XXXX # XXXX for {$430.00} XXXX XXXX # XXXX for {$370.00} None of these 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 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT : IT HAS BEEN GOING ON SINCEXX/XX/XXXX THATS OVER 1 1/2 YEARS. 

i filed yesterday a cfpb # XXXX and yet today i found another proof of what has taken place by the wells fargo bank. In my online account on credit card # XXXX They actually states that the account was created onXX/XX/XXXX I have attached the bank on line information and you already have the proof of signed letters from the executive office personnel this account was closed on XX/XX/XXXX and another lie that it was closed onXX/XX/XXXXand created over 50 transactions. i have tried to get statements dating back and they refused and not allowable. 

Attachments Scan2pdf.pdf ( 1 MB ) XXXX Account Profile.htm ( 24.5 KB ) Hide full complaint What product or service is your complaint about? 








PRODUCT OR SERVICEChecking or savings account TYPEChecking account What type of problem are you having? 






















Issue Managing an accountHave you already tried to fix this problem with the company? Yes What happened? 





They never bother to repond to the complaint I filed and I added the proved with the signatures as well. The complaint # is : XXXX all you need to do is pulled the attachements for the proof of all the lies the banks has created. I have filed two lawsuits with XXXX  that wa sprovided by wells fargo as well and denied the offer of {$2400.00} by mediations from the bank and even got {$500.00} check {$48.00} i filed yesterday a cfpb # XXXX and yet today i found another proof of what has taken place by the wells fargo bank. In my online account on credit card # XXXX They actually states that the account was created on XX/XX/XXXX I have attached the bank on line information and you already have the proof of signed letters from the executive office personnel this account was closed on XX/XX/XXXXand another lie that it was closed on XX/XX/XXXX and created over 50 transactions. i have tried to get statements dating back and they refused and not allowable.

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 11/18/2015 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a a letter from Equifax dated XXXX/XXXX/15 advising me that they will not block my information at this time. I provided affidavit of fraud, police report, driver licenses, social security card, and a bill. Even with all this proof Equifax is still addressing me as XXXX XXXX XXXX and that is not legally documented anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I 've wrote the CFPB about four months ago about Ocwen Servicing and how they stall in working out a re-modification. Once you contacted them, we got an immediate call from them. I am in a chapter XXXX and have been working thru the courts and have been makingpayments as agreed. Now they are offering us a new payment, but they are adding a $ 50thousand dollar payment at the end of the loan. The trustee said that was not acceptable and did not approve re-mod. My lawyer said that balloon payment should not be allowedin government programs as the Hamp or Harp. Are these companies allowed to do this? 
We have been working on this re-mod since XX/XX/2014. we have made all trial payments and more and still no help. We know that Ocwen was cited foe misleading and not helping homeowners in distress. I am being force to pay for a home that is worth lessthan the loan amount. All the payments do not show where the monies go and have ideawhere the money goes and they keep adding fees.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (Medical) with Business & Professional Collection Service Inc (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've been on Social Security since XX/XX/XXXX I am a XXXX Vectren XXXX person and this debt they 're trying to collect I am unaware of I was checking my credit on XXXX XXXX sound out that I have debts on there for B & P collection services XXXX foot {$54.00} {$68.00} and {$290.00} for XXXX XXXX XXXX I 'm on Social Security I do not owe them anything and I was unaware of this bill Social Security my Medicare should have taken care of this bill and va their phone number is XXXX I would like this matter taken care of I am not liable for this bill I am unaware of this bill until I checked my credit today

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting inaccurate information on my credit report passed the 7 years statue of limitations in California ... some of the items are 14 yrs old ... why?? these items shouldve been deleted years ago..

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I mailed a certified letter to the credit bureau disputing errors and unknown accounts that appeared on my credit file. I have waited well over 30 days for my results as informed by The Federal Reporting Act., However i never received any results or validation of these accounts. At the moment the credit bureau is in violation of the law section 601 ( a ).

Company response to consumer: Closed with explanation