milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2016 about Debt collection (I do not know) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MT).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called on XX/XX/2016 at XXXX. Montana time, XXXX eastern time. 
XXXX Operator ID # XXXX was argumentive, refused to send a copy of the alleged judgement or garnishment. ID # XXXX implied that I have no rights to compel them to send any legal documents verifying that they have a valid judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Last week I became the agent for power of attorney for my elderly aunt. She was the victim of mail fraud in the distant past. I would like to see her current credit report to make sure the information is correct and ultimately freeze her credit, because she no longer needs it and I wish to protect her from identity thieves. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I need to clarify an earlier complaint that was filed ( Case number : XXXX ). My lawyer incorrectly stated that that I had an account with Capital One that was abused by defrauders. In actuality I had no account with Capital One. The defrauders opened an account in my name, and had XXXX checks sent to me, which they purported were from them. I foolishly followed their directions, opened a checking account, and deposited the funds in the account, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I received a response back from Transunion via email on  XXXX / XXXX / XXXX  regarding the most recent complaint. They indicated they found the item to be accurate and it will remain on my credit file. This item was previously removed over a year ago  on two di fferent occasions. I was never notified this item was being added back via email or mail from Transunion in the past. I do however, have notices from Transunion were the they found the item to be inaccurate in the past and removed it from my report. 6 months to a year later this item comes back on my report under another creditors name. I do not agree with Transunions most recent investigation and will be seeking legal counsel if action is not taken to have this removed for the third time.     Here is my complaint that I recently sent Transunion : A collection account under the name  XXXX   XXXX   XXXX  was listed on my credit report in the amount of {$640.00}. I had no knowledge of this account and it was disputed to Transunion and  XXXX  on  XXXX   XXXX . It was removed by both Transunion and  XXXX . It reappeared under another collection agency name  XXXX  in  XXXX   XXXX . I was never notified by either Transunion or  XXXX  in writing this was being placed back in my credit report. I redisputed the items again with both companies and it was removed f or a 2nd tim e on  XXXX   XXXX . I looked at my credit report today and found that for the  3rd tim e on  XXXX   XXXX  this same collection account was added back to my report under the collector name  XXXX   XXXX . Once again I was never notified in writing after this was deleted that it was going to be added back into my credit file. I have no knowledge of this account and it is illegally being placed back into my file months after it was disputed and removed without my knowledge. As the consumer I should not have to keep filing disputes for this unknown account that was removed over a year and a half ago.

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 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I removed my payment method in attempts to cancel equifax product premier plan before the next billing cycle. This was the only sufficent method visible to me that was a available when I logged in to cancel this service. I wa billed again on XXXX/XXXX/XXXX. I contacted equifax to ask why and they explained that they save your credit card data for billing, even if you remove it. I request immediate refund and cancellation because I did not want to be charged for this anymore. Equifax refused to refund. They explained I can use service through XXXX for the charge. However, the product is no longer available to me. When I attempt to update my equifax it gives me error because no payment is on file. It states failed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/2017, I contacted Caliber home loans ( at XXXX ) in regards to my home loan escrow balance and taxes. Let me first start off by saying in order to speak to someone there is a lengthy automated system which has prompt after prompt. Once i spoke to the tax department I then was transferred to customer service. I have an escrow balance of {$3500.00}. My taxes last year were {$680.00}. This year they increased to {$7800.00}. The reason for the increase was due to the fact that we built our home and the previous year taxes were only {$680.00} because the city estimated the taxes without the home and only the land. Upon speaking with a customer service representative ( ID # XXXX ),  he was very confused on the details of my loan which happened the last several times I spoke with Caliber. I asked very clear and direct questions regarding my escrow account : " where is the money being allocated to and how much ''. He began to say several times " ummmm ''. He seemed to dance around my question. This is the only info I gathered being that this info is NOT accessible online. Here was the breakdown he gave me and he said he didnt know how else to explain it. The only reason I have any of this info was because I had to ask several times and redirect him back to the original question. 

{$3500.00} ( in escrow to date ) - {$1500.00} ( to insurance ) - {$630.00} ( PMI ) ___________  {$560.00} remainder ... ...?? Where is the rest of the money going?? He got rude as if I was being unreasonable. The call was recorded. I asked to speak to someone else or a supervisor and he then refused stating he answered my questions to the best of his ability. 

I then was transferred by him back into the que after stating that this was a recorded line and i want to speak to someone else. I then spoke with another woman in customer service. This woman could not tell me what my escrow balance was stating " where do you see that info? ". She then said let me look at the notes from the previous representative. I told her I do not need you to do that. I need you to look at my account and give me direct answers to my direct questions. I explained to her that a portion of my escrow was going towards my taxes and It isnt listed on the annual escrow account disclosure and statement, nor is the breakdown of where the money is being allocated to. She again sounded confused and said I can mail you out another statement. I told her that when someone trusts a company to handle their home loan, they expect direct answers about where and when payments will be made on their behalf and how much. I also told them I would be reporting them for their deceptive practices. I would like them investigated to see why exactly they are unable to give direct answers regarding payments allocated from the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I was in a XXXX XXXX Bankruptcy which just discharged in XX/XX/XXXX. I was notified that there was a delinquent balance on my loan and I asked for a summary of payments, 15 days later I asked again before it was finally sent. I was never notified of the supposed delinquency from XX/XX/XXXX, nor was my bankruptcy attorney.In fact on XXXX/XXXX/XXXX I called in to make my payment and was given a payment amount of {$1000.00} which was represented as the total amount due.I realize the XX/XX/XXXX payment was late but it was paid prior to a 30 day late and it was paid in the amount quoted to me by the lender 's representative. I was also notified in a separate conversation in XX/XX/XXXX with the bankrupcy dept, that I did not make a payment in XXXX of XXXX which is impossible. When I finally receive the accounting of all the payments, it shows a XXXX XXXX payment which was put in to suspense as was the XX/XX/XXXX and XX/XX/XXXX payments. Again I was never notified of any of this and when I became aware I did immediately pay the balance due with assurances that there would be no negative reporting. I have paid the outstanding amounts to avoid a late reporting on my credit while this was being investigated. I contacted the lender 3 separate times and was assured that I would not have a derogatory reporting as I am in the process of working on refinance out of this 10 year IO in which my payment just increased {$400.00} I pulled a credit report on XX/XX/XXXX and there is in fact a late reporting as of XXXX XXXX. I spent 35 minutes on the phone so far with a customer service rep trying to get this corrected. They acknowledge the reporting however they have required me to provide a credit report showing it. This will take weeks from when they receive it and I 'm sure they have records of what they reported so why require me to provide information on what they reported? When I asked to be transferred to a supervisor I was put on hold and 58 minutes later. was connected to a supervisor who found the payments I have made but is still requiring that I provide documentation for erroneous information that they have on file since they are the ones who reported it. This is a blatant disregard of federal bankruptcy law and a blatant lie to me as a customer. My attorney should have been notified of the increased payment if not me, the payments should not have been arbitrarily suspended and the lender 's bankruptcy department should have been fully aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The information that my XXXX was included in my bankruptcy is incorrect. We actually reaffirmed our mortgage and have NEVER missed a payment! We are still current on it. Please correct the reporting of this information as it is hindering my ability to refinance my mortgage. This is a direct violation of the FCRA.

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 10/20/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX accounts XXXX, XXXX, and XXXX ARE NOT MY ACCOUNTS ... these need to be removed. I have told them numerous times and no one cares. 
XXXX got these accounts from XXXX. XXXX allows anyone to order from them without any source of identification at all. All you give them is a name and an address and then XXXX. I need these account removed. this is effecting my ability to get credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I recently relocated to XXXX XXXX XXXX for work. I had to exhaust my savings to move and get a new apartment etc. As a result, I fell behind on my payments from XXXX - XXXX. In the month of XXXX I tried to login to the online payment system for Wells Fargo Dealer Services and it kept giving me an error message and would not allow me to login. 

On XX/XX/XXXX I called Wells Fargo Dealer services because I still could n't login and wanted to take care of the issue. I was notified that they had initiated repossession on XX/XX/XXXX. I offered to pay the entire amount of past due payments and late fees and resume the loan, they declined. The rep on the phone said I could turn in the vehicle and owe the remaining $ XXXX balance or I could offer a settlement amount and pay {$1500.00} - $ XXXX/mo until the settlement balance was paid and then I would retain ownership of the vehicle. 

I asked several times to make the entirety of owed payments and late fees and was denied. The rep said that turning the vehicle in or settlement were my only options. A settlement was reluctantly offered of {$8500.00} with concerns of the aggressive {$1500.00} - $ XXXX/mo pay schedule. I was told that the settlement would be sent to a manager and I would receive notification of approval or a counter amount. I did not receive contact back. 

I am not sure why I can not pay the amount of owed payments and late fees and resume my loan. If a settlement is my only option I would like that to be decided soon or receive confirmation from the lender.

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 12/19/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has reported severely late payments on my student loan accounts ranging from 60-180 days past due. During those reported late payment periods, the account was granted a forbearance. No payments are due while loans are in forbeance, therefor no payments should be reported as late. My loan account was consolidated and moved to a different company and is no longer open with Navient. Although this account is no longer open, these late payments are still being reflected on my credit repot, and are preventing me from obtaining a first time home buyer loan. I sent requests directly to Navient asking for the late payments to be removed, and recieved a denial. I then file disputes with all XXXX credit reporting agencies. All of these disputes came back with no changes being made to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Settlement process and costs

Complaint: I am a XXXX year veteran of XXXX XXXX. Can short sale banks be held responsible for pushing around buyers of short sale homes. My XXXX time buyers have diligently responded to Short Sale Bank for the last 7 months. After receiving the go ahead approval letter with my buyers spending money on inspections, appraisal, etc., Short Sale Bank wants their appraisal doc. to see if the value has gone up for the last 7 months while they ( bank ) negotiated the short sale. They have once again postponed settlement while they reevaluate the price. How can a bank, no one else, open sale price up after committing to a written contract price while they took their time completing the approval process. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX, Transunion and XXXX after dispute for re-aging of account, XXXX XXXX XXXX # XXXX are allowing the re-aging of this account to continue.The date of 1st delinquency on XXXX is XX/XX/XXXX.on XXXX and Transunion IT IS XX/XX/XXXX.The ORIGINAL creditor is XXXX XXXX Fire Dept who provided ambulance service on XX/XX/XXXX, on XXXX.The date of service for the charge and the dates of first delinquency are two years apart.The Fair Credit Reporting Act requires accurate, clear and complete reporting.Multiple disputes with the bureaus are quickly " verified '' falsely.The tool of re-aging is a damaging and illegal tool not permitted with statutory damages attached for collector and bureau.I 'm  entitled to accurate reporting by law.

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 11/14/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I noticed that my Equifax credit monitoring product had automatically renewed itself and charged {$290.00} to my credit card on XXXX XXXX. I called in to immediately cancel the service on XXXX XXXX because the customer service office was closed by the time I noticed on XXXX XXXX. The call center rep confirmed my immediate cancellation and told me that I would no longer be able to access my account and a credit of only {$270.00} would be issued to me. After complaining and requesting an escalation to a manager, the rep confirmed that they would issue a refund for the full {$290.00}. I waited one week to verify the refund had been processed and noticed that only {$270.00} had been refunded. I called in to complain on XXXX XXXX. The new rep mentioned that their policy does not allow full refunds once payment has been received. I called out that I did not approve the payment in the first place. Despite not accessing or even being able to access my account during that 1-2 day renewal cancellation window, I was told that I would be charged as if I had used the service for the full month. I was told that the original phone rep should have never promised a full refund because they do not permit that. After escalating to a manager, they agreed to review the original call to see if I was promised a full refund. If so, they would try to refund the additional {$25.00}, but it would take up to two weeks. Someone should investigate the cancellation policies for Equifax 's credit monitoring services. Customers should be contacted to confirm that they would like to renew their product before being charged. There also needs to be some form of a cancellation or opt-out window without customers facing penalties. Had I not been employed within the financial services industry, I may not have been so inclined to complain without knowing regulations protecting customers against Unfair and/or Deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Capital One offered a credit card & I accepted. I had a good history for several months & then I moved. Notifying them online of my new address. I received a call from a toll free number. I was told it was Capital One & they needed to verify personal information over the phone. I refused & asked to speak to a supervisor . In that process I was disconnected. I tried calling back a couple times BOTH TIMES being disconnected.  <P/> My account was locked out as under possible FRAUD because I refused to give personal information to someone calling me claiming to be from the credit card company & I had no way of verifying that. I finally moved ag ain, back to my original address on file when I opened the acct. I chatted via the cap one website, they asked a few questions to verify me. THe chat box said verfied but I had to contact another dept to unlo ck my card. After some time I connected & was told provide photo ID with the address that matched my acct. I did that days ago! I am still locked out & they claim FRAUD!  <P/> They were trying to force me to share private information in a dangerous setting and I want everyone to know how stupid such actions are! They lost all this business because another bank provided a better card & I just use them!

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio RC is reporting me as a chargeoff to the XXXX major bureaus. This was not a chargeoff, we entered into a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 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: Credit inquiries on your report that you don't recognize

Complaint: I contacted equifax on  XXXX   XXXX  ,2017 in  regards to credit inquiries that I did not authorize and did not recognize. I spoke with a representative and explained to her that I contacted equifax a week before because I was having a difficult time accessing my reports, I was informed that someone by the name of  XXXX   XXXX  was attached under my report and social security number. The representative at that time requested for me to send in documents to verify my identity my social security and a copy of my drivers license which I did as requested and they confirmed that they received them. I asked the representative if she could look in to the credit inquiries because at this point I was worried about identity theft, and equifax refused to investigate in to this problem and informed me that they could n't because this was an actual fact of statement, and me as the consumer would have to do the leg work and contact these creditors that pulled my reports. I even spoke with a shift supervisor and asked him if under federal law under the FCRA do n't they have to investigate if the consumer request and he said even still that I would have to get in contact the creditors my self and the only thing he could do is add a fraud alert to my credit report. Which I did. I fell like they should abide by the law.

Company response to consumer: Closed with explanation