milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Credit card () with DISCOVER BANK (NC).
Issue: Billing disputes

Complaint: On XXXX/XXXX/2016, I rented a car from XXXX XXXX and on XXXX XXXX, 2016 turned in the car at the airport in my city. On XXXX/XXXX/2016, when I made the online reservation, I prepaid for the vehicle for the amount of time needed. On XXXX/XXXX/2016, I was charged an additional fee of ( {$78.00} ) which appeared on my Discover Card statement. I contacted XXXX XXXX but was not given a reason for the extra charge. However, the amount ( {$150.00} ) which I prepaid to use the vehicle was validated. I contacted Discover Card to dispute the ( {$78.00} ) however was unable to get my money back because XXXX XXXX simply provided a copy of the bill for the extra charge. Discover Card did not understand that I had already paid for use of the rental car when I paid ( {$150.00} ) and that no additional charges or fees were necessary or warranted. There was no damage to the vehicle and there was a full tank of gas. When I spoke with the billing department of XXXX, the individual with whom I spoke could not explain the extra ( {$78.00} ) and referred me to the airport location where I rented the car. When I finally reached someone at the airport location of XXXX, I was told to call the billing department with customer service. 

I am getting the run around from both XXXX and Discover Card, but need my money back from the double dip that XXXX placed against my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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Complaint: Equifax often does n't remove negative items from credit report and are old inaccurate outdated information outdated inquiry which are hindered me from getting credit and increasing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: U have contacted the credit bureau several times on several different attempts and occasions ... I have not received and proper paperwork or updates on the request that I have asked. It show that taxes liens are reporting on my credit file.. There have been a serious error I have no liens. These files have to be for someone with the same name.. This is putting my life at a stand still and a hold.. Which is absolutely not fair to me or my family

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: RE : The Equifax Security Breach. I have been trying for well over a week to contact somebody ... ANYBODY at Equifax to help me place a " freeze '' on my credit reports to avoid fraudulent use of my credit. IT IS IMPOSSIBLE TO GET THROUGH TO THEIR WEBSITE OR ANYONE IN CUSTOMER SERVICE ... PERIOD. I understand that I have to pay for a credit report freeze ( even though the problem is their fault ), BUT IT SIMPLY CAN NOT BE DONE ... no way to contact any Equifax Personnel or use their website ( it is always " Unable to process request ''. Therefore, this company 's negligence and incompetence is PREVENTING ME from protecting myself! Please help if you can with a formal complaint on record from me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Two years ago Wells Fargo provided me with mortgage assistance, but then took it away and now I am facing being kicked out of the home I have lived in since 1996. Money was tight when I retired and my mortgage payment was more than the income I had coming in at the time. I attempted to keep up with the mortgage payment and ended up spending all of my life 's savings to stay current on my mortgage. When there was no more money left, I contacted Wells Fargo and I got a lower payment of about {$500.00} per month that I was very happy with. However, when I received the paperwork from Wells Fargo, the payment had jumped up to over {$1000.00}. I was shocked, but tried to make it work. Although it was a struggle, I made the payments for three months, but then Wells Fargo told me that they had to redo the agreement. They then lost my paperwork and the whole issue became very messy. I made three payments to them, but Wells Fargo has dropped the ball and now I am facing a foreclosure sale on my property. I need Wells Fargo to get this straight so that I can spend the rest of my life in my home! XXXX has insured this loan, so I do n't think that Wells Fargo cares and will just sweep me under a giant rug and be done with 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 07/22/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I was put into foreclosure by my mortgage company after being late one month and a few days. I entered into a repayment plan full of fees. On my credit report it shows me being late 3 and 4 months there is no way I would have been foreclosed on. I even paid the the repayment plan early. I disputed this credit bureau and they refuse to show I paid on time all those months. Had I been that late they would have foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was a vcitim of the trans Union Inquiry issue. I contacted customer service and they would not help me delete my inquiries which are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 12/21/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I previously had XXXX accounts that were charged off and I received a XXXX for these accounts. I disputed the account with XXXX and Equifax , XXXX updated my credit report as paid collection, however, Equifax only deleted the historical data on these accounts. I have disputed this information twice now. After the first dispute, I called Equifax and spoke to a representative who advised me that I initially used the wrong dispute information ( the selections on their dispute page ) and that XXXX verified the account belonged to me. He told me to change the dispute information, took my dispute over the phone and after that the result still came back as they deleted historical data but the balance still remains. I am trying to get this cleared up. I explained to them that the account was paid through the XXXX with the XXXX but they continue to report the account balances of what was owed. I have included copies of XXXX disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt on XXXX/XXXX/2017. Was told by collection agency that they would notify all XXXX credit bureaus and would have it removed. As of XXXX/XXXX/2017, this debt is still on my credit report. Spoke to customer service and I 'm only getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Medical debt) with United Credit Service Inc (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX, XXXX, WI, has sent {$660.00} to a collection agency, XXXX XXXX XXXX XXXX XXXX. I have never received any statement from XXXX XXXX nor have I received any phone calls. I have moved once and have had a forwarding address in place. I have had the same phone number for the past 8 years. XXXX XXXX has a vendetta against my now ex-husband, XXXX XXXX, over an employment dispute. XXXX has sent letters from attorneys to XXXX with my name included. I am not responsible for anything that they have with him. I have left several messages at XXXX regarding this matter and no one has even tried to contact me. I discovered this issue when the collection appeared on my credit report on XXXX/XXXX/XXXX. XXXX XXXX has not followed the guidelines proper billing. Not only are they not following guidelines, but they are trying to add on debit that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Trouble during payment process

Complaint: The company is threatening us with closure of the account if we do n't give them what they 're asking for by 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 explanation
Consumer complaint received 06/16/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Unsolicited issuance of credit card

Complaint: two weeks ago, I applied for an XXXX card -which comes with several perks I 'm interested in- while I was making a purchase of a flight using XXXX website XXXX I filled out the application and in a few minutes I got the positive response saying I would get their card, but when I received the card a few days later, it was n't their Visa Signature, but a Platinum Plus card which does n't carry the perks I wanted. XXXX cards have an annual fee XXXX XXXX XXXX is {$75.00} and the Platinum Plus {$50.00}. I did n't mind paying the {$75.00} for the card I wanted. There is not a single sign during the application warning us, the applicants, that if we did n't qualify for the XXXX would be issued. These are the XXXX lines on the bottom part of the first screen of the invitation which are not a warning : The benefits above apply to XXXX XXXX accounts only and different benefits apply to XXXX accounts. Card type is determined by creditworthiness. So, I immediately called Bank of America which is the credit card issuing bank. I told them, I applied for the XXXX XXXX not for the XXXX absence of perks. The bank representative asked me if I filled out the application correctly due to the fact that they had had similar situation with other customers. She said that if I wanted I should apply again because some customers had done that and they get the XXXX XXXX in the second try. So, while I was on the phone I applied again and my application was declined. I told the representative the results and I also told her I wanted to close the XXXX card. I also told her they had to cancel the XXXX fee they already had charged to that card. I asked her how all this situation would affect my credit record and she said that it would n't for they will report how things happened. She said it would n't hut for me to write to you here to let you know of the situation to leave a record of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Medical debt) with CBC Credit Services, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I filed a dispute online with CBC Credit Services Inc on two different occasions, and each time the CBC sends me a list of all of the VERY PRIVATE PROCEDURES done to myself and my child. I was under the impression that this information is confidential and I must give permission for CBC to have any of my medical records. I have received detailed medical records from me and my XXXX minor children. The information contained in these files is to be treated with the utmost confidentiality. Allowing a Credit Collection Company having my personal information regarding my children and myself is a criminal offense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Settlement process and costs

Complaint: We have a File that is an REO purchase, we are having issues with the sellers closing agent, this is adding cost that is the REO lenders responsibility to pay. The company is refusing to communicate with their client and is holding us hostage and we are trying to close this transaction. The Seller is NationStar/XXXX, the person we are working with for Natonstar is XXXX XXXX XXXX, Law Offices of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, FL XXXX Phone ( XXXX ) XXXX Facsimile ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX and I live at XXXX XXXX XXXX in XXXX, GA XXXX and my lender is Wells FArgo with a loan number of XXXX an im a victim of malicous illegal acts done by my lender. After a year of communication trying to get a more affordable mortgage to keep my home Wells Fargo has lead me on a path to ultimately take my home. It was determined after a year that they denied me ( according to XXXX in the rentry department ( XXXX is the number she gave for her id ) for a program saying that XXXX nor XXXX loans have programs for individual who has an origination date of XXXX XXXX and on. If this was the case then all that was done was a elaborate waist of time to the point where my mortgage is so far behind ( because XXXX informed me that on XXXX XXXX that file needed to be deliquent 30 days or more to submit for a modification so I had to stop making payments just to get help ) it makes is almost impossible to catch up. I was also told that my income wasnt sufficient so I was able to get more income by obtaining a roommate and was told once I did this to provide the proof with bank statements, lease, and utility bills.but even when I did this I was told I couldnt and wouldnt be look at for the program. It is my understanding that the reentry team has hard decline my file in an attempt not to allow it to be looked at again. I have had a modification in the past and it still didnt help my affordability so I applied for another XXXX and now they give me the reason because I have a XXXX loan and it was originated after XX/XX/XXXX that I dont qualify for any programs. Then on the very next day XXXX XXXX I receive a letter in the mail saying that I was turn down from assistance because there wasnt a sufficient change in circumstance but the fact is that my circumstance was never reviewed because upon asking for other documents to place in the review process I had already been turned down by this department so noone ever looked to see if my circumstance had truely changed which it did. The big issue is that if fannie mae doesnt have a program for me because of my origination date then it doesnt matter if I make XXXX times or XXXX times the payment I would never qualify and this all would have been a complete waist but this doesnt seem tru because as I stated before Ive gotten a modification before so whats really going on. So there are truely unexplained situations, indifferences, going on internally and now Wells has a foreclosure date set for XXXX XXXX. At this point I have no choice but to alert all for as a senior citizens that just wants to keep their home Im truely bei8ng done wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a Hard Inquiry in my TransUnion record on XX/XX/2017. It was done by " XXXX ''. I did n't authorize anyone to check my credit reports. I do n't know who this company is. Can you investigate what happened and possible get it removed fro my history? 

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 02-04-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MA).
Issue: Managing the loan or lease

Complaint: My husband needed XXXX XX/XX/XXXX, ( XXXX ) the XXXX office wanted the money up front but we did n't have that kind of money. They suggested for us to call " care credit ' to see if we would be approved, they then would apply the billing inquire to them. We got approved. I have been paying the bill on time, XX/XX/XXXX, the bill said the promotion was going to be over if we did n't ' pay it in full?!? We would get charged the back interest. This was not reiterated to me at all not was it any where in the paper when we received the cards. Is this practice legal? It 's going to cost me double and I do n't think it 's right for them to do this. Is there thing I can do to fight them on this? Help would be much appreciated. I have all documentation of payments and so forth. It was never stated when we were signing for a short promotion until I got this past bill. 

XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2017 about Debt collection (I do not know) with Rubin & Rothman, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX, XXXX, 2017 I found out that a " Bank Levy '' was placed on my XXXX XXXX account by Rubin & Rothman LLC. Placed a hold on all my account funds & Deduction of {$450.00}. I was never summoned to court or sent a letter to dispute or for debt to be validated before placing a " Bank Levy '' on my account, causing me severe financial difficulties and more fees to other bills that I had paid and were returned due to Rubin & Rothman LLC placing a Bank Levy without any prior notification or writing notices. I feel my consumer rights were violated by Roth & Rothman.

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 04/24/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AZ).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I contact ed gm financial and reque sted hardship assistance to defer one payment because I was in the hospital fo r 2 w eeks with no pay I almost died had to have  XXXX    XXXX   a nd gm financial wont as sist they keep saying I do n't qualify for a deferment I do n't understand how I have my car for 14 months and have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Debt collection (I do not know) with Platinum Holdings Group, LLC (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Caller calls my phone, family members phones, and my employer, even though they have been warned to stop calling because it is harrassment. They do not provide any proof of the debt, nor do they give any information about it. STOP CALLING and send original debt information to prove it is valid ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a debt letter dated XXXX XXXX 2016 for a hospital debt of {$660.00}. I asked for the details and was sent the details on XXXX XXXX, which had my name BUT no other details matched. SO I am totally perplexed as to XXXX debt collection works. Was this debt collection notice sent to me just because the name matched? No one bothered to check anything else

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 04-10-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a letter from XXXX XXXX Bank XXXX XXXX XXXX On XXXX XXXX, 2016. In that letter they stated that they were going to contact Experian and have my disputed Inquire deleted from my Credit Report. I viewed my Experian Credit Report and unfortunately the XXXX XXXX Bank and XXXX Inquire is still reelecting the hard inquire. 
Furthermore, I have contacted Experian on numerous occasions and they have failed to update my accurate with my correct contact information. It is still reflecting my old telephone number. The phone number that needs to reflect on my Experian Credit Report needs to be 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 11-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I registered for the consumer opt out prescreen at XXXXon XX/XX/XXXX. I recently have had some trouble accessing my freeExperian credit report and as a result I have confirmed that my Experiancredit file had not been placed under the opt out screen. I have calledExperian and asked to be placed on the opt out screen list / register thismonth of XX/XX/XXXX. I will follow up with them for compliance as itseems they have failed to comply with my first request from last year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief