milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I used to pay my loan on time to the Department of Education every month but then they transferred me over to XXXX XXXX and I was n't allowed to make any payments for up 2 months until all my information was transferred over to them which took 2 months and now my credit report is saying I missed 2 payments. There are also XXXX addresses on my credit report that I have never visited or lived at

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Unexpected or other fees

Complaint: XXXX XXXX, XXXX I paid my XXXX over the amount that was due. I ended up calling XXXX to refund the money back to my account in which they did. I look at my account today and see that American Express Serve is holding the amount that was taking out of my account. They keep sayings its there policy but numerous times I have received refunds in a timely matter. They state its due to the amount but its my money and I should not have to wait XXXX days to receive my own money back especially when I have bills to pay. This company continued to mislead customers and its not fair one bit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (Credit card) with Alliance Data Card Services (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company keeps calling my employment after i had told them they are causing distress they have spoken to various people in my company asking to speak to my manager about a debt i owe. Once they said they were serving me papers and i told them ok she said to meet her at my house i called her because she never showed up she said she was n't going to then XXXX said he would serve me papers in front of everyone at work instead so i better make a payment arrangement otherwise they will serve i said please serve me to stop the harassing phone calls and everyone in my place of employment being harassed by their phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (I do not know) with Midstate Collection Solutions, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 

I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Also, I sent the company a letter on XXXX/XXXX/XXXX asking for a legal contract and there was no response.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On the evening of XXXX XXXX, 2017 I phoned Experian to remove two addresses that I am not associated with and inquires that I did n't recall authorizing. They refused to investigate and told me they can not do anything. I must call each creditor and ask them to remove the inquiry. I asked what if the creditor does n't respond, the rep said just keep trying.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my ChexSystems and XXXX XXXX XXXX report is a result of fraud. I did not even live at the addresses that were given to ChexSystems or XXXX XXXX XXXX. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with 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 explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent in a dispute to Experian and it was received on XX/XX/2018 and I have yet to get a response. They have not verified permissible purpose or proof of I initiated these inquiries nor written authorization. I have waited for to long for the completions of this investigation. Documents and proof of Experian receipt of dispute is attached to this complaint.

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 04-07-2017 about Payday loan () with TD BANK US HOLDING COMPANY (PR).
Issue: Received a loan I didn't apply for

Complaint: TD Bank is charging me through a payday loan lender more than {$1500.00} USD for payday loans that they have my social security # that I 'd never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I have gotten a letter from a debt collector for a loan outstanding that I never had. I tried to tell them twice, that this is not my account, nor have I ever had a loan not paid. 

The debt collector 's name is, XXXX XXXX XXXX, NJ. 
I called them and told them this is not mine, nor did I see it on my credit reports in past, so apparently they are using my name and old address on the claim. 
What can you do about this, it seems they just want to harass me no matter what.

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 02-05-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (UT).
Issue: Loan modification,collection,foreclosure

Complaint: We applied with our lender for a loan modification before and after our Chapter XXXX bankruptcy. I had been out of work for two years and my wife had XXXX. We are on our feet again and want to keep the home and pay the mortgage, The lender, US Bank seems to be purposefully doing our loan modification application slowly while at the same time there is a trustee sale scheduled for XXXX/XXXX/2015. We have a account contact person but they are not helping in any way and never return our calls or emails. The trustee attorney for them is no help either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Credit card debt) with Central Portfolio Control Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: X/X/17 I attempted to get receipts of payments I made to this company on behalf of XXXX XXXX. Although they had records..refused saying account went back to the original company. The Rep had shared with me the amount of payments I made and a total. When I asked for written verification she told me she could n't give them to me. When I insisted that I believed she could get it for me..she referred me to a Supervisor. He came on the line with intimidating nasty tone. He read me a debt collection disclosure that had already been read to me by the previous individual. When I began to tell him what I wanted he started to try to intimidate me and interrogate me on why I did n't have the info I was seeking, and the methods I should have tried to get it and control the conversation.. When I would n't let him, he hung up. He was nasty and provocative .Central Portfolio Control Inc , is a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , MN XXXX. I would like to report 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 02/18/2017 about Mortgage (Other mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to supplement my prior complaint against USBank with additional information. I believe that they have engaged in deceptive and misleading behaviour in regards to loan servicing of my construction loan. 

1. their communication that my loan would begin full amortization on XXXX/XXXX/17 would suggest that my full P & I payment would begin in XXXX 2017. However, they wanted PAYMENT of full P & I in XXXX 2017- which means that the amortization began in XXXX XXXX, 2017 -- and contrary to their representation. 
2. they have sent loan statements LATE and in a misleading fashion. I have attached their mailed notices -- please make note the postmark date as well as the amounts. With regard to the postmark dates -- they have violated servicing rules by sending notices for payment due on XXXX/XXXX/2017 on XXXX/XXXX/17. also, they have stated incorrect amounts. I just now received a loan statement for double the amount due.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I originally took out loans through XXXX XXXX. Now I have loans through both them and Navient. Navient 's is about XXXX and XXXX XXXX is about XXXX. However I am a recent XXXX so I am trying to get on a payment plan that will work with me. I have called both companies every month for the last 4 months and they keep telling me to wait and call back. Recently they told me I had to wait until my loans were deliquent before they can get me on any payment plans that would work for me. I do not believe this is good business as I am told I can lose benefits or this can lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Hi there, I am an international student holding a student " XXXX XXXX XXXX. 

I opened a checking account with US bank in XXXX when there was a promotion. I told them that I am an international student and gave them my foreign passport, XXXX Form to let them make copies. In the meantime, I also submitted my XXXX Form. In another word, I was clearly doing my best to tell them that I am a XXXX XXXX, and I do not need to pay interest tax in my first 5 years. 

Then, in XXXX. I received my bonus for opening a checking account, which is {$200.00}. 
However, they charged me {$56.00} Federal Interest Withhold at the same time. 

I called their customer service several times to try to resolve this problem caused by their lack of professional knowledge, the only answer I got from them was " we can not help you, you should talk to U.S. government or I.R.S. ", which was not making any sense at all. 

Then I went back to the branch where I opened my account, twice, the only answer I got there was " We have done nothing wrong ''. They refused to listen anything. Each time, they said they would call me back the next day with a solution, However, I have never heard anything from them. 

According to I.R.S, a XXXX XXXX student is exempt from filing interest tax in the U.SXXXX ( If they do not know where to find these I.R.S. documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) And also, according to the Tax Treaty between the U.S. and my country, a foreign student should be exempt interest tax within their first 5 years. ( If they do not know where to find these Tax Treaty documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) All other banks which I have relations with know how to treat a XXXX XXXX student, and they all did not put Federal Interest Withhold on my interest. Such as, XXXX XXXX XXXX XXXX XXXX, XXXX. And also, as far as I know, some other branches of US bank, they know how to treat a foreign student as well. 

Why, on earth, certain US bank employees do not have the basic professional knowledge and refuse to listen to any explanation? I clearly told them I could show them all these documents mentioned above, but they just refused to listen.

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 04-06-2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Managing the loan or lease

Complaint: Honda Finance Services has an Easy Pay service which automatically withdraws a monthly payment. They withdrew this monthly payment twice. This is apparently a routine problem with them, and is affecting XXXX people today. There is no way to contact them to report a problem or resolve it, other than a toll free number that is not working today, and at the best of times does not allow direct contact with a customer representative.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX/XXXX/XXXX I was rear ended pulling into work, my XXXX XXXX XXXX was totaled. I paid my first payment that morning before heading into work. My loan was paid off except for XXXX which I had rolled a XXXX XXXX XXXX over into this XXXX loan. I dont know how billing works but in XXXX I was credited XXXX to my payments. I called in XXXX and asked who made this deposit into my account, the man I spoke with said he didnt know that he thought it was the insurance company. Statements show my next payment was not due until XXXX/XXXX/XXXX in the amount of XXXX. Fast forward to XXXX XXXX and I get a phone call saying I am XXXX months behind and when I asked how they explained that the insurance department made a mistake. The XXXX that they applied was my warranty refund onto my payments and they had to fix it on XXXX XXXX when they caught the mistake they allocated it back to my warranty on the loan. So they said that makes me due for XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX which is when I was told my first payment would originally be due. When I asked for a manager I got XXXX XXXX he said that he can not make any changes on his end but for me to ask the insurance department for a Payment Allocation to be done, he transferred me to the Insurance Department on Santanders end, I got XXXX the manager in the insurance department he stated that it was a mistake but nothing can be allocated anymore and I must make these payments as soon as possible. I asked how I am liable for a mistake they made and why cant my loan be extended then to fix their mistake. I was told nothing can be done and I must still come up with the money. On XXXX/XXXX/XXXX or XXXX/XXXX/XXXX I spoke with another XXXX named XXXX at XXXX, he saw my frustration and said he will escalate my case higher up because that seemed wrong to him as well. On XXXX/XXXX/XXXX at XXXX am XXXX XXXX from the XXXX office called to speak with me, he said they can get rid of all my late fees for me but they will not extend my loan and add the payments to the end of the loan, and they will not allocate the warranty payment back to the principal for me. My internet access was cut off on me and when I called the president office back they said that when a loan is changed from my main loan to this totaled loan that they get rid of internet access for us. Why then does my latest statement from them ask me to go online and update my number and update a work number. They are being very sneaky and not letting me have access to my statements. I have a statement from XXXX/XXXX/XXXX showing I am not due until XXXX XXXX and now a statement from XXXX XXXX showing I am delinquent and over XXXX days late now. I cant have this hurting my credit because of a mistake made by Santander.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2017 about Debt collection (I do not know) with CAC Financial Corp (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: not a loan I took

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan Modification XXXX/XXXX/XXXX I have been trying to get a Loan Modification with Ocwen Loan Servicing since XX/XX/XXXX. Ocwen Loan Servicing bought a Fraudulent Loan Modification from AHMSI and it is designed for my payments to keep going up year after year until I ca n't afford to pay it anymore! Meanwhile Ocwen 's house ( the one I live in and pay for ) keeps going up in value. So after I can not pay the mortgage anymore ... Ocwen can foreclose and make money after I paid for this thing for all those years. 
They deny the Modification because I am current on loan payments and can afford to pay right now. I do have a few bucks in the bank, but I have also had a transplant, and if/when I have a problem and need specialty meds, I will need every dime I ca n't get my hands on! They do n't understand that! 
Secondly, I was forced to sell some income property that I owned, because I had to borrow against it when I was sick and on a transplant list. The loan was from a personal friend ( my realtor ) and no interest was charged, so nothing was documented. So, when the property was sold, I showed a huge capital gain tax and owe the IRS over XXXX! 
So, now I have no income off of property that was sold, I owe IRS $ $ , and my modified loan payments keep going up! I try to explain this to OCWEN and they just want me to spend every dime I have so they can foreclose! I have read Horror stories about Ocwen 's slimy history and I 'm worried. 
During the modification process, Ocwen assigns me a Relationship Manager! The RM has no direct phone # and only one number to the Loan Modification Department that you wait on hold forever, or talk to someone other than your personal RM! I have scheduled appointments with my Personal Relationship Manager and always end up talking to someone else instead! XXXX? 
What other options do I have? Ocwen Loan Servicing are major crooks! They go to court, get fined and just keep on doing their business as usual ... XXXX their customers!

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Medical) with AmeriCollect (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had some one that has use my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Making/receiving payments, sending money

Complaint: I wrote checks from XX/XX/XXXX-XX/XX/XXXX to a person from my Wells Fargo checking account. The signature of the recipient was forged by multiple people, and the funds were released from my account. Several of the checks were not signed, but the funds were allowed to be withdrawn from my account anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: I am making a complaint against Wells Fargo again about the {$30000.00} settlement check they will send me. This money is going to cover my legal fees but what about the water bills, the loss I incurred for not refinancing my property, all of the pain and suffering during these years for Wells Fargo to take responsibility? They said that the check they will send is not an admission of liability of their part but who are liable of this mess? Their lawyer dragged me into this so they should be liable. 
I just spoke to XXXX and the property has a water bill of {$13000.00}. I mentioned that from the beginning that I contacted XXXX and they could n't give me any information because the house was not on my name. Apparently it is under my name now since it is recorded and it has to be paid. 
The rate is going up and I can not refinance yet because Wells Fargo can not finalize my papers. It is lost opportunity for me. That is why I am asking Wells Fargo to settle with me fairly. They need to do something. I am really tired over this.

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a bunch of hard hits on my credit that I have no clue How they got there or gave permission

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