milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am in the process of purchasing a second home and the loan from my current home is showing late payments and inaccurate information regarding a bankruptcy that i had in XXXX, it shows Bankruptcy was in XXXX. There has never been late payments for this mortgage and XXXX XXXX XXXX wants me to fill out reaffirmation paperwork which is not allowed in the state of Arizona. Since this loan was not reaffirmed after the bankruptcy it is not even supposed to show up on my credit reports. XXXX and XXXX do not show this but experian is showing this inaccurate information. I have spoke with experian and they have filed a dispute for me, but XXXX XXXX XXXX keeps wanting me to hire a lawyer to reopen my bankruptcy to fill out reaffirmation paperwork but my lawyer says that is not possible. XXXX XXXX XXXX states that I have made all my payments and on time but seen to be dragging their feet in correcting the matter. I have been on a 3 way call with them and experian but no resolve to the situation. Time is of the essence since I will lose the house and my earnest money on XXXX XXXX if this is not removed from my credit report with experian.

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 10/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Came out of a bankruptcy XX/XX/2007. After paying on the loan for the 3 years in thebankrutcy, I owed the mortgagae company more than the original loan before the bankruptcy was filed. 
The loan was eventually sold to XXXX and Owcen Servicing was designated as theservicer of the loan. I was offerd a modification by Owcen which I accepted, trems were given and I began the payment cycle. 
I do not think Ocwen is honoring the terms of the agreement

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied few times to get help for mortgage assistance with my XXXX delinquent HELOC Acct 's Wells Fargo delayed the process, and kept telling me I do n't qualify for a mortgage modification with out reviewing the attached package. I am frusterated with no response from my lender, delay after delay with no request in review after I have taken time to fill out all their requested paperwork. Please help me resolve this matter - I have a hardship and I am seeking for assistance, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: FNBO was included in my husband 's bankruptcy case. A discharge was ordered. FNBO forwarded by file to a collection attorney. My attorney wrote 2 letters for which FNBO attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. FNBO bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The supervisor, XXXX in the Bankruptcy department stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. FNBO has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with FNBO I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Other financial service (Debt settlement) with Brelvis Consulting, LLC (ME).
Issue: Excessive fees

Complaint: I was charged  XXXX  by The Student Loan Help Center to act as my " Limited Power of Attorney '' in expediting the transfer of my debt from  XXXX   XXXX . My original understanding of what was to transpire, and why I was paying them {$990.00}, was they would be transferring my debt and I would then be paying them back my debt, rather than  XXXX   XXXX . Basically, refinancing my debt to The Student Loan Help Center. Once the process was completed my debt was transferred to  XXXX   XXXX . I started to make my new payments to  XXXX   XXXX  and noticed my principle was not decreasing. I called  XXXX   XXXX  and questioned the payment plan and inquired why my principal was n't deceasing. Through my conversation with  XXXX   XXXX  I advised the representative I had paid {$990.00} to have my debt transferred to them. At which point he told me  XXXX   XXXX  would never charge a client to have their debt transferred and " no one should be charged money for a service when it comes to federal loans. '' He recommended I reach out to the Consumer Financial Protection Bureau to attempt to get my money back. He also advised not only should I not have been charged, but {$990.00} was completely unreasonable to have a help center fill out some paper work on your behalf and that  XXXX   XXXX  would not have charged me anything. At this point I was shocked and outraged to know that I could have just gone through  XXXX   XXXX  to begin with and not had to pay {$990.00} to basically have paperwork completed. I 've been through this process before when I refinanced my private loans through  XXXX   XXXX , and they did n't charge me anything to have my debt transferred. I was under the impression and the extent of my understanding was that I was paying The Student Loan Help Center to take on my debt and I would be paying them back and that 's why there was a charge of {$990.00}. At no point was this process explained in detail that The Student Loan help center was just a servicer to have my debt transferred to  XXXX   XXXX . If I had known that I would have just contacted  XXXX   XXXX  directly and go through the same process I did when I refinanced my private loans with  XXXX   XXXX . {$990.00} is a rip off for such a service and is almost a years worth of payments on my student debt! I would understand this charge if The Student Loan Help center was the servicer taking on the responsibility of my debt, but that was not the case. The Student Loan Help center should have just told me what to do in order to have  XXXX   XXXX  assist me with transferring/refinancing my debt, and charged me maximum {$100.00} for the professional advice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion is reporting a balance of {$1600.00} on an XXXX account. This is wrong the balance is {$0.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Credit card) with Data-Central, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was disputed and removed in XXXX 2015 and reappeared on my credit report as of XXXX 2015. This account is well over XXXX years old and a new company is trying to collect on it and increased the amount owed by 50 %.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit was pulled without knowledge on XXXX XXXX and XXXX. XXXX made XXXX unauthorized inquiries on my credit report. Equifax gave me the following address : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. I tried contacting the company and was unsuccessful. I called XXXX XXXX business licensing. They do n't have a record of this company. I am in the process of closing on a home and got denied because of the above inquiries. I am trying to get the inquiries removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit card () with STERLING JEWELERS, INC. (NY).
Issue: Billing disputes

Complaint: Received a call from a XXXX phone number before XXXX, XXXX. I picked up phone on fourth ring, and the phone calling hung up. I recalled them after XXXX, and complained, would not give me IID of person that called. Said they were sorry, and put supervisor on, again no ID provided. He stated that he in in Jared Jewelers corporate office in Ohio, and further stated it is the same time zone as XXXX, XXXX. I stated that it was XXXX I called the XXXX number and reach him. He stated well the towers are different and he ca n't be responsible for what tower was used and stated again he was in Ohio. He wanted to speak about my payment. I told him I ca n't pay till after the first when my VA XXXX check arrives. He wanted post date checks or my bank account. I refused and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit card () with AMERICAN EXPRESS COMPANY (LA).
Issue: Delinquent account

Complaint: A man named XXXX XXXX called my new husband trying to collect a debt for American Express. He did not identify the agency he worked for. I already filed a complaint against the agency for illegal debt collection practices. My husband told him that American Express agreed to let me pay them directly when I get my financial settlement from my ex husband. He pursued the matter. My husband told him to call American Express. He said he would be calling me back until the debt was collected. I am tired of these people harrassing me and trying to bully me with threats of turning the matter over to a lawyer. A lawyer is the reason I can not pay the bill right now, my ex husband. These people need to be put out of business, or fined for every consumer complaint. The company response to my prior complaint was that they did nothing wrong. What else would an internatl audit by the agency itself determine? Better laws need to be made for debt collection practices and they need to be enforced. They assume they are dealing with ignorant people, but not this time. I will pursue this matter until the company is stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i keep getting inquiries from this company after telling them over and over again there was no way i would make a inquiry 5 times back to back they finally send me a letter telling me they are concerned someone may be using my personal information.thats what ive been telling them for months

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 12-06-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington morgtage refuse to accept a payment on line wants to force me to make payment over the phone so they can charge additional money to process the payment. Have been threaten with foreclosure by this company every month, we are late because of them because when this loan was transferred to them it was XXXX days before they set the account up. My name is XXXX XXXX asa result this made me late and because I am on a fix income I could never bring the account up to date but I am never over XXXX days late just ca n't catch up to be on time I do pay every month.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Borrower submitted several RMA packages to US Bank over the last year + and file continued to be closed due to timing out. He had to escalate to a local Branch Manager before the file was re-reviewed. No decision made on the file, other than incomplete package or documents timing out. After Borrower started working with me, his Housing Counselor, this issue continued with submission of package on XXXX/XXXX/2016. I have documented that a complete package was received by the Mortgage Assistance Point Team several times, but still the initial review has not been completed. After initial review by Processor, they requested missing items. However, after carefully reviewing individual pages with MAP Rep. on XXXX/XXXX/2016, there was no missing pages to bank statements and non-borrower contribution letter was complete with specified amount. File escalated internally, but did not result in review. As of XXXX/XXXX/2016, the Processing Dept. had not reviewed the file again. However, it was indicated they were running behind. On XXXX/XXXX/2016, the Processor closed the file due to aforementioned items not being cleared. I had to resubmit RMA and supporting documents on XXXX/XXXX/2016. Verified on XXXX/XXXX/2016 that file was open and under review. However, on XXXX/XXXX/2016, it was explained that the Processing Dept. has not yet reviewed the file. I again requested Escalation. As of today, XXXX/XXXX/2016. the file has not been reviewed by the Processing Dept. However, notes indicate an Escalation was put in on XXXX/XXXX/2016 and the Supervisor has been out of the office.

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 11/14/2016 about Student loan (Federal student loan servicing) with ACS Education Services (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: ACS is incorrectly reporting XXXX late payments on my credit report when my account was supposed to be in deferment or forebarance. I have asked them to provided proof of the late payments and they have failed to comply with my request.

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 EQUIFAX, INC. (GA).
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: Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. These items ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) is inaccurate because I never established a debt with these companies. I am requesting that the items be deleted. Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such a Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have been Paying Asset Acceptance , LLC due to a court mediated order since XXXX of 2013. After 6 months they tried to make like I was n't making payments because they wanted them sent somewhere other than court order. Now I find that the checks I am sending are being cashed by XXXX bank and not going to Asset acceptance account.making out like I am not paying. I have been sending these checks the same way for over two years. XXXX has nothing to do with this and I have not been notified of anychange. XXXX will not talk to me nor give me what I have paid since court order. XXXX has Posted checks into XXXX seperate accounts. XXXX is for a XXXX bank that I do n't have any idea what this is, but fraudulently is nothing to do with the court case with asset. I will file a seperate case against them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Credit card debt) with DISCOVER BANK (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Discover violated their arbitration clause. Discover put an arbitration clause in their contract that they did n't honor and then tries to continue the lawsuit against me after the arbitration was dismissed by  XXXX .     On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX  on behalf of Discover Bank filed a claim in Small Claims Court against me for approximately {$3500.00}.  XXXX   XXXX   XXXX  hired local attorneys  XXXX  and  XXXX  to represent Discover Bank.      XX/XX/XXXX , I filed  a Motion to compel Arbitration.       XX/XX/XXXX , t he Court Ruled. Ru ling states, Arbitration filed with   XXXX   ( #  XXXX   ) ;  Matter continued indefinitely in order for Arbitration process to complete. Documentation attached.      XX/XX/XXXX ,  Counsel for Discover fi les a request for another hearing on the Motion to Compel Arbitration. Arbitration was ruled and agreed on  XX/XX/XXXX .     On or about  XX/XX/XXXX , I received a letter from  XXXX    XXXX    XXXX   c/o Discover st ating their client may be willing to discuss settling the matter at a reduced amount. They states arbitration is " very expensive. ''  XX/XX/XXXX ,  XXXX  closed the case. Case terminated because Discover failed to pay and participate in Arbitration.      XX/XX/XXXX , a  Motion for Joint Stipulation for  Substitution  of Counsel wa s filed.  XXXX   XXXX   XXXX  was no longer representing Discover and  XXXX   XXXX   XXXX .     Year Later,  XX/XX/XXXX ,  XXXX   XXXX   XXXX  files a motion to return case to active docket.    XXXX   XXXX   XXXX  KNOWINGLY FILES A FALSE STATEMENT WITH THE COURT.    XXXX  states, As of  XX/XX/XXXX , Defendant failed to pay required Arbitration fees, and the case was terminated by the  Arbitration Forum (   XXXX   ).      THIS IS COMPLETELY FALSE, PLEASE SEE ATTACH DOCUMENTS FROM  XXXX .   Th e Plaintiff ( Respondent ) who is Discover fai led to pay case management fee.  XXXX  sent the counsel for Discover several letters requesting payment but they failed to respond.      XX/XX/XXXX , Court dismisses case without prejudice. Judge writes the following Plaintiff admits to failing to pay arbitration fee causing closure of arbitration process. Def. requests dismissal for failure on plaintiff 's part. Court grants defendant 's request for dismissal. Parties were ordered to arbitration and that has not occurred by no fault of defendant leaving this open on her credit history is unduly prejudicial.      XX/XX/XXXX ,  XXXX   XXXX   XXXX   c/o Discover file s a motion to vacate dismissal to refile a new arbitration case since the first one cant be re-opened.      XXXX   XXXX   XXXX   c/o Discover fail ed to send me a copy of their motion to vacate dismissal, therefore, I was not able to write an opposition to their motion because I was not aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (AK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called the company to get verification of debt. Asked them to send to me in writing. They refused to, They told me that i disputed the debt, I told them i have never talked to them before so how is that even possible. They said once the debt has been disputed, i legally have to pay the debt for it to go away, and they legally do n't have to do anything. I asked them to remove the dispute comment, because i never disputed it. They refused and said federal law says they cant once its been disputed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (VA).
Issue: Managing the loan or lease

Complaint: This complaint relates to a promotional balance on the Home Depot Credit card managed by Citibank. The promotional balance was {$550.00} at 0 % interest if paid within 6 months. I made large payments to achieve repayment of the promotional balance on a timely basis. This morning when scheduling my payment I noticed that the promotional balance had not gone down a single XXXX. According to the online website, consumers are required to specifically allocate payments to the promotional balance. In previous years, this was not the case. When I selected the option, the website indicated that only amounts above the minimum payment would be allocated to the promotional balance. If the minimum payment is {$72.00} and I pay {$100.00}, only {$28.00} would go toward the promotional balance. 
As this is the 3rd month in the 6 month period, it is impossible to pay the promotional balance incrementally. Therefore, the " promotional balance '' is in effect false advertising. The CFPB should investigate and sanction Citibank for this practice. It should be noted I make my monthly payments on time and over the minimum amount.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did not consent to my financial information being stored by XXXX, XXXX, or Transunion in the first place. Credit freezes and unfreezes should be made free. 

Thank you for taking the time to read my 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