milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX-XX/XX/XXXX I went to college, a school that was sued and closed down by the Federal Trade Commission! The name of the school was named XXXX XXXX XXXX. After leaving the school, do to deceptive advertising practices, I enlisted in the US XXXX in XX/XX/XXXX, to help me pay for my federal student loan, which was {$2600.00}! The military had in option to pay that off. They didn't do it. After joining, you are not allowed to have cellphones, Internet or anything like that. So that debt fell into collections, and was eventually lost, do to me moving from basic training, advance training, my duty station at XXXX XXXX Texas and finally XXXX. I saw that from time to time on my credit report. My point is that should be OFF my credit report because its way past the 7 year statute of limitations. 

As for the main two NEGATIVE marks on my credit report, are from XX/XX/XXXX one of which is {$3000.00} and the other is {$4000.00} ... .. These are WRONG! They are both listed as EDU. I did NOT attend ANY school in XX/XX/XXXX! Nor did I take out any loans or credit cards that equal the amount listed there! These are both erroneous marks on my credit report. 

I enlisted the help of XXXX XXXX to help dispute these negative marks. I been tentatively selected for a XXXX XXXX. And I don't want something that dose not even belong to me, ruin my chance at wonderful career. I have in til XX/XX/XXXX to make my case to the Point of contact at the government. 

Any proper debts I do have are well beyond the 7 year statute! In fact in XX/XX/XXXX I took out a auto loan for {$14000.00} and I paid that XXXX in XX/XX/XXXX!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Consumer Loan (Vehicle loan) with Allied Financial Group & Associates (Closed) (SC).
Issue: Shopping for a loan or lease

Complaint: I did not give permissable authorization for XXXX XXXX to request or view my credit report for a vehicle loan nor did I need financing from any of the lending agencies they solicited my SSN # to. Allied Financial used an erroneus address to fraudlently produce a loan application. The actions taken by this company were fraudlent and the finance represent named XXXX was fired after I reported her and salesman XXXX XXXX that they violiated my credit privacy. I hereby warned XXXX CEO and store manager XXXX that I demanded their office to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation.

Company response to consumer: Untimely response
Consumer complaint received 11/30/2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (PA).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/16 I visited my local XXXX and made a purchase of {$21.00} on XXXX and XXXX. The transaction has shown it has cleared in my transactions yet, American Express Bluebird is stating they have an agreement with " XXXX '' to hold transactions for 8 days until they clear. I repeated to the representative the transaction already cleared, and he just told me it was due to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Trouble during payment process

Complaint: Around XXXX and XX/XX/XXXX Freedom Mortgage was almost late paying my property taxes as I received a correspondence in the mail stating that they have not received payment and that if its not sent by a certain time I will incur a penalty. Also on XX/XX/XXXX I sent in a wire transfer of {$850.00} to Freedom and have yet to apply the payment to my account which is causing me to be super late with my mortgage payment. This company has some of the worst customer service and are not willing to assist you in trying to resolve any issues. I asked to speak to there superiors but they claim they would n't be able to help me and they will tell me the same thing they told me. Totally unacceptable with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Our 2nd mtg was late in XXXX 2006, because this is over 7 years it should be removed from our credit reports. The 2nd mtg was sold several times. The first account with XXXX is the acct that was late in 2006 and then when it was sold back to them it had a new account number but they are deleting the account. See attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Balance transfer

Complaint: Was a customer of 10 years and apparently they tried to send me a letter about a policy change and they sent it to an out dated address. Today when I called about a new Best Buy ( Citigroup ) credit card for the account I am still making payments on. I am told that the account is closed. They never tried to call me and inquire about the mail be returned. Currently I have to go into a Best Buy location and make a payment because I can not pay online. They said I can apply for another credit card but they will be unable to merge the account so I am still unable to pay online on the old account. However I can pay the new account online.

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 02-02-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: I filed a Claim with Wells Fargo for paying for a product via ACH that I have not rec 'd to date as the Merchant refused to refund my money/problem solve to resolve the issue as USPS admitted they messed up and forwarded my package to another address because the Postman did not perform his due diligence to making sure I was the resident and not the prior residence at the address. 
Wells Fargo Claims Dept did NOT call me to discuss the matter and they denied my claim saying the transaction was valid and did not research to see I was not filing the claim for fraud but because I paid {$86.00} for a product I do not have. 
I have been bounced around for over an hour between XXXX-XXXX Wells Fargo Representatives who are not even taking the time to understand the issue.

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 02/15/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Asset Acceptance , LLC has filed a lien for a debt amount that has been paid through payroll deductions.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan modification,collection,foreclosure

Complaint: My brother XXXX XXXX XXXX is XXXX from a XXXX one year ago. He was divorced shortly after the XXXX. He faces legitimate hardships, his FHA loan modification has been denied twice despite that he qualified. The entire matter has been grossly mishandled by Wells Fargo, their attorneys XXXX, XXXX, and XXXX, XXXX, as well as XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX have attached a copy of the email that I have sent out today to various agencies for some assistance to save my brothers home in the XXXX hour. We have been strung along for months! The sale is tomorrow. He has been assisted by XXXX XXXX XXXX XXXX who has now referred us to seek Consumer Advocate Attorney assistance, but with the sale date being tomorrow, we 're not sure of how to further help my brother from losing his home of 25 years. He has been unable to continue his XXXX, and has suffered additional XXXX from the stress of this matter. His health has declined significantly from where it was in XXXX when released from the hospital to continue his enormous progress he had made. He is now barely XXXX and has had his Medical Coverage cancelled due to non-payment of premium from the confused state of mind he is in from the additional strokes. We are appealing with his employer City of XXXX benefits department and working with his XXXX XXXX counselor to reinstate his Medical coverage. Without medical coverage XXXX 's likelihood of survival is next to none! Please help us as to what next steps should occur to stop this sale until more informed eyes and ears can peruse the events that occurred and contributed to this man being unlawfully denied his modification and subsequently faces the potential of being put on the curb in XXXX. Thank you! XXXX XXXX, sister in Colorado

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I had {$20000.00} damage to my home last XX/XX/XXXX. It was winter and very cold. My doors and windows were covered with plywood so I withdrew my meager savings to begin repairs. Friends and family pitched in to help me with repairs and money. XXXX refuses to release my money until I produce " paid in full '' receipts from the contractors who gave me estimates but did n't actually do the work. They are holding a {$16000.00} insurance check. I understand that there is a process but how can I reimburse or pay anyone when I have no money? I 'm XXXX years old, all of my savings are gone and I live on my SS check. I 'm desperate. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled an old incorrect debt I had with XXXX XXXX XXXX on XXXX, per attached letter from XXXX. I called Enhanced Recovery Company several times and they literally made fun of my plea to close the account and not to send it to the credit reporting agencies. There are over XXXX complaints on this site about ERC and wonder when will the government put an end to their totally illegal and aggressive debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2015 about Debt collection (Mortgage) with Seterus, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I HAVE AN ACCOUNT THAT IS FRAUDULENT WITH YOUR COMPANY THAT NEEDS TO BE RESOLVED IT IS REPORTING ALLTHOUGH IT WAS CREATED AS A RESULT OF MY IDENTITY BEING STOLEN THIS ACCOUNT IS NOT RECOGNIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Mortgage (FHA mortgage) with Servis One, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I was a loan modification process with BSI mortgage co., therefore they would not accept any payments and kept reporting me as " late payment '' and now " delinquent '' which is not a fair statement. How can I be late or delinquent when they wont accept a payment and then turn around and report this to XXXX and XXXX as a true statement? ( thank you for correcting this error from XXXX ) that is a fraudulent statement!! THEY ALSO SHOW " FORECLOSURE '' - I sold my home in the midst of this process. Never once was I informed with any paperwork or verbal conversation that I was in " foreclosure! ". I sold my home on XXXX/XXXX/16. BSI is has reported to credit bureaus as " foreclosure '' and just as recently on XXXX/XXXX/16 a missed payment??? I have tried numerous times to contact them and I never get a response!! BSI is damaging my credit and it needs to be removed immediately. I can support my situation with the letter I begged to receive from BSI showing PAID IN FULL. Please help!! 
Thank you!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage does n't keep a running total of the amount that I 've paid in to escrow. I could n't locate this information on their website, nor their mortgage statements I 've received. I have paid additional funds toward escrow and I ca n't locate that information. I believe it is a Reg Z requirement to provide detail regarding these amounts.

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 05/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is reporting me as an " Authorized User '' on an adverse account of XXXX XXXX XXXX Credit Card. I do not wish to be an authorized user on this account nor associated with the person who owns this account. Please delete this trade line from my credit file as an Authorized User.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: MY CREDIT SCORE DROP. AND I HAVE NOT APPLIED OR RECIEVED ANY NEW CREDIT CARD OR INQUIRES. SO HOW IS THIS POSSIBLE.

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Opened account with XXXX XXXX in 2004. Account was inactive for two years. XXXX XXXX automatically closed account and shows records for it being closed. Equifax shows the account as open and I would like my report to show it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: TransUnion : I filed a dispute with them against XXXX XXXX. : Account # XXXX XXXX XXXX XXXX ( XXXX XXXX ). I had insurance with XXXX XXXX. I called XXXX to have my payment date changed. And XXXX agreed and then charged me double on my next payment date. I canceled my insurance due to this with XXXX XXXX. I paid what I owed with a balance. And they still chose to over charge me. They can not show one ounce of proof that I owed anything, and they have put an item on my credit. Which I disputed and TransUnion still will not remove the item off my credit. Or show proof that the item was mine. I want this item removed immediately. 
XXXX, GA XXXX XX/XX/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 non-monetary relief
Consumer complaint received 05/17/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: This is the second claim I have submitted on the bank, HSBC. I sent   XXXX  wi res to customers of the bank, totaling  XXXX  from my   XXXX   XXXX   XXXX   account. We suspected fraud so they   XXXX   wires were recalled but the funds have not been returned. The first complaint that I submitted were met by a response from HSBC that called for a letter for indemnity from    XXXX   XXXX   XXXX  . The lady in charge of the Fraud Dept at   XXXX   XXXX   XXXX   informed me that they are not able to provide such a document. If they  wish, I will sign such a letter for them, if it will help get my funds returned. My prior complaint # is  XXXX . Please recontact them for me and urge them to cooperate. I urgently need my money. I took out home equity loans to take part in this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Payday loan () with BlueChip Financial (IN).
Issue: Charged fees or interest I didn't expect

Complaint: Charged illegal interest rate of over 500 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: APR or interest rate

Complaint: Amex with XXXX membership solicited a interest free introductory period which in my case was until XXXX 2015. XX/XX/XXXX the interest rate was to start accruing, however Amex has been double billing interest as well as finance charges on my account. I contacted them at least XXXX time to speak with a customer service representative which has been documented. They initially credited my account for XXXX of the interest rate charges and they backed them back into my account. I have only made purchases on this account and should not have been billed XXXX different interest rate charges as attached. This is in violation of their disclosure statement which clearly states the rate of interest at 15 % and there are not any disclosures which allow them to double bill interest rate : Your current annual interest rates as of XX/XX/XXXX:15.24 % Purchases25.24 %

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION XXXX AND EXPERIAN DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN).
Issue: Problems when you are unable to pay

Complaint: I got a XXXX XXXX XXXX from car hop in XXXX. I thought I was getting a deal since my credit was excepted. The car ended up having major issues soon after and was dangerous to drive on the roads. I contacted car hop and expressed the concerns with the vehicle and they offered to have the car fixed through their " authorized mechanic. '' They said they had multiple issues with the car fixed but the car was no better when I got it back. I stayed persistent with them to get the problems fixed but they just gave me the run around and did n't do anything. My pregnant wife and I ended up getting in a wreck because of the cars instability. I fixed the damage to it. My wife and I went to a XXXX dealership and got a loan for a dependable vehicle. I returned the Explorer to the car hop dealer and gave them the keys. I was dealt a complete lemon and my credit is currently being haunted by this horrible ordeal. Is there anything I can do to make this go away or make sure it does n't happen to other people in the future?

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 02/23/2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I first applied for a loan modification over 4 years ago. I went over my financial situation on the phone and was told I was eligible but would have to go through the formal process. My nightmare began. We had fallen into financial hardship as I had been layed off and my husband was battling XXXX. I sent in all of the documents requested but was denied for lack of documentation. I applied again. This has gone on for over four years making it now almost impossible for me to qualify for a modification. I do n't believe they ever had any intention of giving me a modification ; just dragging it out until they could foreclose on my home. Every time I applied, I sent in all of the necessary documents. They would just try to come up with other documents that were needed. At XXXX point, we got hung up on my proving I was now on XXXX. Per their instructions, I took copies of front and back of my check, sent them my payment history from SS and my benefit verification letter. They told me they wanted a copy of the cancelled check. This would come from the US Treasury and I was told by them that it was impossible to send to me. I told SPS and they kept stating they needed proof I cashed the checks. I asked them " what do you think I do with them??? '' to which they had no response. They denied me, again, due to missing documentation. I 've researched this company immensely and they have so many similar complaints against them, I ca n't believe they 've been allowed to get away with it. I should also add that SPS refused to accept any mortgage payments from me once I began applying for a modification. I offered them {$50000.00} and to keep the mortgage payments where they were and I would start paying again monthly in XXXX, 2016. They refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation