milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Payday loan, title loan, or personal loan (Payday loan) with Integrated Recovery Services (CA).
Issue: Struggling to pay your loan

Complaint: About three days ago a XXXX XXXX, Called me from California Department of legal services was what he left on my cell phone message he also called me at worked and has called my mother! When I talked to him he said he was calling from integrated recovery services about a loan I took out XX/XX/2016 he said if I didnt pay ASAP he was taking me to court that I need to pay {$2100.00}, I said do a payment plan I just lost my home do to the fire we had in California, he didnt want to give me a license number to the company he also only wanted a XXXX  or XXXX! He harasses me when he Calls I just want to know that company is ligit!! The number he calls from is XXXX my account number is XXXX. Today I went to XXXX XXXX XXXX and they gave me a # to call there close. I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Struggling to pay mortgage

Complaint: After speaking with the lenders legal counsel today they confirmed  ocwen  received the QWR - NOE - TPA on  XXXX / XXXX /  XXXX   and has not submitted a request for postponement in order to validate the debt owed and allow the homeowner to make arrangements.     Their legal counsel received a 5 day notice of error and has failed to cancel the sale.

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 06/27/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I have tried to get this loan modified by the company and other resource and this company Santander will not let me do anything. the interest rate is 19.08 % We got this truck in XXXX of XXXX and now it XXXX XXXX and we still owe XXXX on this truck and we have tried to get it refinance and everything no one will refinance cause of the interest rate is so high. I have tried on several occasional to get my interest rate lowered I haved tried to get everthing done but this company will not do anything to help us. My husband is a XXXX XXXX and we are finialy strap cause this truck payment is so upside down till no one will touch it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I would like to speak with anyone who can explain the reason for the time frame set for reporting credit history. It I were to commit XXXX I would not go to jail for 7 to 10 years. We had a financial and medical difficulty between XX/XX/XXXX and XX/XX/XXXX which caused serious problems with our credit. We are in our XXXX now and we will be nearly XXXX years old by the the time these credit issues fall off of our report. Who decided the time frames for reporting this on the credit reports? Our credit was excellent for over 40 years and then we are " tainted '' for many years after " falling from grace '' due to circumstances beyond our control. We were told to get rid of as many credit cards and other open credit to make our report better. 
this resulted in erasing 30 years of excellent credit. We, the consumers, are at a loss as to controlling our own lives when the credit reporting agencies are reporting our every hiccup to home and auto insurance companies, employment possibilities. We do believe that poor credit needs to be reported but certainly not for 7 years or more. This is at least tyranny if not completely unfair. We have no recourse. Credit bureaus rule our lives everyday. I would like to ask if there is someone I could contact to have this chan type of power changed for me and all Americans. 
thank you,

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: dates from XX/XX/XXXX TO XX/XX/XXXX XXXX AND TRANSUNION CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE.
I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS.
XXXX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL.
THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 1. TX BANKRUPTCY XX/XX/XXXX 2. TX BANKRUPTCY XX/XX/XXXX3. MO BANKRUPTCY XX/XX/XXXXINQUIRIES ARE THE INQURIES THAT I DISPUTED.
I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS

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 03/31/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I am behind on my mortgage due XXXX/XXXX/15. Spoke with the mortgage company and was told that if I make a payment of {$1000.00} towards the {$1700.00} due that the amount will be " help in suspend '' and will not be applied towards the entire balance until the full payment is received in XXXX/XXXX/15. In this situation being told the amount willnot be applied towards my total balance owed will then incur further interest by holding this amount. I am not sure that this is legal and need help understanding if this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TRANSUNION is reporting XXXX debts that are not mine XXXX and XXXX the bill seems to originate from XXXX. the bill is from an address I have never lived at. I requested TransUnion and the above Debt buyers validate the account but my request was ignored.

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 03/29/2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I received the attached email from Speedy Loans threatening to take me to court and have me arrested for a debt that was discharged on XXXX/XXXX/2010. I have not taken out any other loans with this company since 2010 so not sure why they are contacting me and threatening me. I think I received a call from them about 2 years ago and when I asked them for information they had on me for this loan, they gave me a social security number that was not mine and I told them that at the time. I do n't know what this is all about but now they are sending me threatening emails to my work place. I was working for the same company when I filed my Chapter XXXX BK. They did not provide a phone number, only an email address to respond to and the sender is using a " gmail '' email address. This is the email address they want me to respond to : XXXXXXXXXXXX XXXX mailto : XXXXXXXXXXXX I have also attached a copy of their email communication regarding this debt. All they have is a case number but no account number either and they want almost {$9000.00} for a debt that they have on file for {$840.00}! Your assistance with this is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Problems caused by my funds being low

Complaint: I have an account with US bank for which I used to conduct my primary day to day financial transactions. I have on three occasions make my credit card payment to another bank. And on all three occasions, my bank US bank have play these games with my account in which to do high and low stacking of processing of my accounts. The last time that did it for me was yesterday. I had paid {$200.00} on credit card account on XX/XX/XXXX. The authorization came through and US bank took out the money. There were sufficient funds in the account when I made the payment. US bank took the money out my account and held it until XX/XX/XXXX when they held the fund until they had sufficient transaction to reject the authorization, take out {$36.00} from my account and return the payment as insufficient funds authorization. This is not the first time they have done this sort of thing. I am fed up and I am not going to take it anymore. US bank keep playing these games with customers with low balances and I thought the new banking regulations were suppose to stop this. They should not have pull the fund made it unavailable, sit and wait until they find it convenient for them to access overdraft fees to make money off 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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX 2014 there was several accounts started in my name without my consent. one was with XXXX XXXX {$10000.00} second with XXXX XXXX {$29000.00} third with Suntrust {$12000.00} and XXXX XXXX XXXX  {$11000.00}

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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On  XXXX   XXXX ,  2017  at  XXXX    XXXX   XXXX   central time, I sent a multiple inquiry removal letter via fa x to Trans Union to  dispute information,  XXXX  hard inquiries, that was being reported on my report. TransUnion received the letter  XXXX   XXXX     2017  and they completed the request  XXXX   XXXX ,  2  017, ONE DAY LATER! I submitted a request to investigate   XXXX   hard inquiries that were n't factual and I received the same response for all   XXXX   Inquiries, which was, " inquiries are a factual record of file access. If you believe it 's unauthorized contact the creditor. '' According to the FCRA Rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST BE investigated and if you do n't investigate and respond the credit reporting agency, which is TransUnion, must remove the disputed information from it 's files. The fact that TransUnion made a decision A DAY LATER, one can assume that their was no investigation! I will upload the letter that I received from TransUnion, which will show the date they completed the so called investigation, and my dispute letter, cover letter, and the transmission verification report with the fax date.

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 05-03-2017 about Debt collection (I do not know) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: On    XXXX   XXXX   XXXX      a debt collector called me the phone # is  XXXX . They threatened to sue me, take me to jail bring the cops to my home, called many of my family members told them the same thing saying they are going to bring the police to their house to search for me. First off I went banckrupt case was finalized   XXXX   XXXX     in  XXXX   XXXX   XXXX   XXXX . Secondly I am in stage  XXXX   XXXX  I told them I was bankrupt and they said they do n't care their still going to sue me please help

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: I live in Florida, since we had XXXX XXXX I heard on TV that the banks will provide a relief to Owners in order to wave three monthly mortgage payment, I called Bank Of America who own my mortgage and they explained that I will to pay a lump sum on XXXX, the three monthly payments and the fourth Monthly ( XXXX ), I request help because I can not pay my next mortgage Payment and they provide only postpone the payments but immediately due at the fourth month, I request to the representative of Bank Of America to get in writing the terms of that relief and he refused to provide the terms in writing, he said, if you agree I can set up this temporary change, but I have to trust only verbally what he says is all about, I wonder if I can not pay the whole amount in XXXX what will be the consequence since no documents in writing are available. 
I think this bank is not really interested in provide in these hard times any kind of relief because what they offer is not really help to the people in needs right now, Please I beg your help in this matter to try to get the helping hand we really need, thanks so much.

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 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Company took there truck back as a LEMON after I only had it two weeks . This should not be reported on my credit as if i didnt pay it off

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have repeatedly found on a consistent basis that TransUnion continually provides duplicate debt, exceptionally dated debt and just misinformation in general that ultimately pulls your credit report down. Trying to contact them results in more requests for information which ultimately means that the issue is never gets resolved.     I have filed bankruptcy and they are still reporting information that was included in the bankruptcy as owed. When it is clearly not based on federal statue.

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 11/24/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Credit card protection / Debt protection

Complaint: Unauthorized charges were made on my AMEX Credit Card ( on XXXX/XXXX/15 ) and several things happened : ( 1 ) In calling AMEX, they could not take the dispute as the charges were " pending '', and I had to wait until it was cleared ( it cleared on XXXX/XXXX/15 ). ( 2 ) The representative accused me of making the purchase as they were made online. ( 3 ) I have disputed the charges - again - online through AMEX 's website, and uploaded documents. I had to upload documents proving that I was not in the same state when the purchases were made " in person ''. 
I have asked AMEX for the name of their attorney or other person who will be investigating the unauthorized charges and investigating me. 
( XXXX ) I believe that AMEX withheld information that there was some issue with the credit card. On XXXX XXXX, 2015, I attempted to purchase a less than {$10.00} product online from XXXX. They refunded the purchase and stated that they believe there was suspicious activity with the card. I reviewed all my purchases from XXXX XXXX, 2015 and earlier and noted no unauthorized transactions. I believe there was information available to XXXX that my credit card information was stolen and was being used to create a new and fake credit card. AMEX should have known this if a small company like XXXX knew it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (WV).
Issue: Fraud or scam

Complaint: Scammed out of $ 9.000+ between XX/XX/XXXX & XX/XX/XXXX Discovered the extent of the scam upon my return from XXXX XXXX on XXXX XXXX XXXXScam began on XXXX website where I 'met ' XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXXHe later asked for money for his daughter who was in SC in the care of his nanny XXXX XXXX. the funds were sent XXXX/XXXX/XXXX {$2200.00} & XXXX/XXXX/XXXX {$2800.00} via wire transfer from my bank Chase located in XXXX, WV to her bank XXXX XXXX in XXXX SC. 
Once I knew for sure that I had been scammed, I searched the internet to find out how to report this fraud.I contacted my Bank, filed reports with ICCC & the XXXX County Sheriff 's office. 
As of XXXX XXXX, Chase will not allow me to bank with them. 
On XXXX XXXX, XXXX Chase sent me my bank statement for XXXX XXXX. 
Today, XXXX XXXX, XXXX I am sending a consumer complaint to the WV Attorney General 's Office Attn XXXX XXXX XXXX, Mediator asking that my funds and banking privileges be restored as resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: On XX/XX/XXXX I sent a letter along with a copy of a letter from United States Bankruptcy Court and XXXX XXXX to Transunion challenging the accuracy, compliance and reportability of the bankruptcy on my credit report. On XX/XX/XXXX Transunion provide me with a updated copy of my credit report regarding the Bankruptcy with Transunion only saying the information was updated. XX/XX/XXXX I sent a letter to Transunion asking them to provided documentation on how they came about updating their information regarding the Bankruptcy listed on my credit report. On XX/XX/XXXX I received a updated credit report only this time Transunion saying the Bankruptcy is verified as accurate but they failed to provide documentation on how they verified the information and from who.

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 01/20/2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Tried accessing my free reports on two different sites. Neither one will give me access! One says my info is wrong and the other got to security questions based on info from my report, but the info did not match anything I know to be true. Something is very wrong here. I have had a woman that attempted to use my identity before in 2010, kept me from getting a job and that employer had to run an investigation to prove it was false. I am freaking out here, because the security questions were on the subject of a home loan, credit card and bank card, in which the first two I have never done and the third did not match up to my bank that I have had for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION ().
Issue: Identity theft / Fraud / Embezzlement

Complaint: Yesterday I went online banking and was shocked after XXXX charges from XXXX for XXXX and XXXX for XXXX pending transactions, that I have Not made.I called the Bank Bbva Compass To stop those payments and block my card. They told me that will send a dispute form, but they ca n't stop the payment To merchants. Later I searched for those companies, and XXXX has the phone XXXX Business hours XXXX-XXXX Mo-Fri Eastern time, so they are closed during the weekend.And for the XXXX company I could n't find any information. I do n't buy online on websites different from XXXX or XXXX, so I do n't recognize any of these purchases. I keep my credit card in a safe place and last time I used was Saturday XXXX XXXX, To book a hotel through XXXX, that I cancel inmediately after the charge was made because I had untill XXXX XXXX To make changes To the booking. 
If the Bank is Not Protecting me from these frauds, what can you do To HELP me? 
I Realty need to avoid the charges, even on Wednesday I called the XXXX To search for a merchant XXXX that was offering discounts during the weekend forXXXX. So I dd Not buy or even contact the Company. 
Best regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Shell Citi bank has reported nonpayment for 3 months, however, I have n't received a bill for either month.They are stating they have enrolled me in paperless billing without permission or acknowledging 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