milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I was seeking a modification on my mortgage about four ( 4 ) years ago with this mortgage service company. However they set me up on a payment plan that I am not able to maintain. They said that they would do a modification about 2 years ago, but have been stringing me along ever since. I am eighty ( XXXX ) years of age with my only income from S/S of $ XXXX monthly. My house note is {$1100.00}. I had been maintaining the payments with the help of my daughter until she recently became unable to assist me. I want to keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has officially leaked my personal information to hackers and did not take the proper steps to ensure my personal and financial information was secure.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I normally monitor my credit through   XXXX   XXXX  ,  XXXX   XXXX   XXXX  and now   XXXX   XXXX  . I noticed that there was a social security, address, name  ( s )  linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However,  XXXX  of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contactin g one of t he companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have  XXXX  different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account (  s ) A nd also I am unable to pull my credit report directly from   XXXX   because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Debt collection (Medical debt) with Kings Credit Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There are 9 medical bill from XXXX XXXX XXXX   hospital that have been sent to Kings Credit Services dating from XXXX to XXXX that should of been billed to XXXX. My daughter and I had insurance and we were seen several times over those 2 years yet these bills were still sent to collections. I have submitted proof from XXXX stating we did have ins. I also sent a letter from where we were see ( clinic ) showing proof we had ins, yet their billing dept says otherwise. Their response to this was they never received ins information, yet they were. I have tried several times to resolve this issue since XXXX. Their notes state that ins was never turned in but we seen them throughout out stay in XXXX and that was 2 years. I know that proof of ins was provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I leased a XXXX XXXX XXXX back in XXXX XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XXXX XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XXXX XXXX, XXXX. I appeared in court on XXXX XXXX, XXXX for the Order on the Reaffirmation Agreement. The  amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XXXX XXXX, XXXX. The courts approved the Reaffirmation Agreement on XXXX XXXX, XXXX. The XXXX XXXX was then turned in at the XXXX XXXX Dealership in XXXX XXXX, Nevada on XXXX XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. TransUnion, XXXX, and XXXX are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XXXX XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.

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 04/30/2015 about Debt collection (I do not know) with Vision Financial Corp. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a phone call. The woman on the other line asked to speak to XXXX XXXX, I confirmed that 's me. She immediately requested that I verify my mailing address. I then asked her who she was calling from. She stated " Vision Financial '' I asked why she was calling, and she hung up on me. Upon conducting further research, I found consumer reviews which led me to believe that Vision Financial is a collection agency well-known for failure to provide information about the debt, attempting to collect expired debts, and using strong-arm tactics to collect.

Company response to consumer: Closed
Consumer complaint received 02-02-2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (MD).
Issue: Managing the loan or lease

Complaint: i got a car loan from Westlake financial, and contract end XXXX but i got XXXX deferred payments which accumulated more than {$2000.00} worth of late charges and fees. I only burrowed {$8300.00} at XXXX % {$280.00} payment since XXXX. its been XXXX years and still asking for additional {$2400.00}. already paid in total {$16000.00} in total.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Closing/Cancelling account

Complaint: Synchrony bank constantly closes accounts without first checking with the account holder. My rooms to go card has been cancelled twice since XXXX without even a call to me to see what if anything was wrong. Then when you choose in they have bankers hours as if fraud only occurs during those times. So now i ca n't even get this straightened out because the people are " off ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was turned down for a mortgage due to information in my XXXX credit report. I have disputed a XXXX account several times, and they refuse to correct the information. They have also locked me out of the website and will not allow me to file a dispute online, nor will they provide me with a free credit report. XXXX will not allow me to access my report online unless I pay for the report using one of their services. The XXXX account XXXX was charged off in XX/XX/XXXX. XXXX is now reporting the account as having been charged off in XX/XX/XXXX. They have illegally re-aged the account. The are also incorrectly reporting the first date of delinquency ( should be XX/XX/XXXX ). Due to this incorrect information, I was turned down for a mortgage. The account needs to be deleted because they have not been able to verify or correct the information and have since illegally re-aged the account which resulted in my inability to obtain a mortgage. I also need to have full access to my credit report. I have attached supporting documentation from a XXXX report and also from a XXXX statement dated XX/XX/XXXX. The dates and balance on the XXXX account as reported by XXXX are all incorrect. I either the entire account to be deleted since they have not been able to verify or report correct information. Their false reporting has damaged my ability to gain credit. XXXX has ignored previous requests and locked me out of the website. 

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 07-09-2017 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: As of XXXX XXXX, 2017 Hyundai Finance is reporting a negative credit reporting to the XXXX XXXX XXXX XXXX and Monitoring that payment is pass due in the amount of {$890.00}, Ref [ Case number : XXXX ]. I have not received any billing in the U.S. Mail or Email for the pass due amount and not a response to my last submission referring to the Hyundai Car Registration Payment and the Early Termination Fee ; which was not a bill. Hyundai Finance first stated that payment was made in full, no payment was due, not even the early termination fee. [ Case number : XXXX ] reference that XXXX XXXX XXXX did not make the full payment as first reported and now request that I make the payment as disputed, which was confirmed again the payment was made in full. I noted that there was a disputed within the XXXX XXXX XXXX XXXX regarding the Trade-in which I received a letter from XXXX XXXX XXXX asking that I return XXXX XXXX because finance was not approved as of XXXX XXXX, 2017. I received the certified return receipt notice dated XXXX XXXX, 2017 in my mail box 15 days after the date of the letter along with several Letters regarding denied finance for the XXXX XXXX. When I did bring the XXXX XXXX to turn it in, XXXX had agreed to Finance the Auto.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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: Experian,   XXXX   and  XXXX  have just added  XXXX  " 90 day late '' marks on my credit report for my closed and paid off   XXXX   XXXX   XXXX  . I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is "  XXXX  ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a   XXXX   XXXX     report and another screenshot of a   XXXX   XXXX     report for comparison. I have highlighted the information that is incorrect.

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 10/27/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: To increase the information available to me and the CFPB in investigating these matters, I kindly request that Scottrade provide me with all of the Exhibits referenced in Scottrade 's XXXX XXXX, 2013 letter. The Exhibits within the letter significantly advance my allegations mentioned above and the fact that Scottrade failed to provide them shows that Scottrade is actively hiding this information from regulators.

Company response to consumer: Closed
Consumer complaint received 11/19/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm receiving these letters from this collection agency called Midland Credit Management Inc. and they want me to pay the amount of {$2000.00} and this is absurd. I have never conducted business with this company and I am disputing this claim. I do not know how these people got my full name and my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am requesting that Experian remove the address listed on the Experian Credit File, history : XXXX XXXX XXXX XXXX, XXXX, WA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pathfinder Credit Services (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown debt requested validation with nothing received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This was paid same month due!!!!! Never received info from doctor 's billing correction. This was submitted one year ago as to their error! Please correct this inaccuracy immediately!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Hi, I 'm XXXX XXXX XXXX that reside at XXXX XXXX XXXX TX, XXXX I 'll written several letters to Experian regarding inaccurate accounts on my report and to update my profile, which removing inaccurate information on my report. Such as. addresses, Names, phone numbers and social security number. I 'll call and sent out certified letters. This company has done nothing on my behalf. Since XXXX of XXXX, XXXX XXXX, & XXXX XXXX Sincerely XXXX XXXX XXXX Birth XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX, 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 11-11-2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (DC).
Issue: Other transaction issues

Complaint: I initiated a money transfer online through Western Union. The next day I received an e-mail that the transfer was on hold until I called to provide additional information. I called that same day, provided information to the customer service representative and was told that everything was alright and the transfer would go through. The money was taken out of my bank account and several days later, the transfer still shows as processing on the WU website. I contacted WU through chat and later by phone only to be told that the transaction was cancelled by WU and that I would be receiving my money back in ten business days.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Mortgage (FHA mortgage) with PARAMOUNT RESIDENTIAL MORTGAGE GROUP (SC).
Issue: Closing on a mortgage

Complaint: on XX/XX/XXXX I mailed a certified letter to Paramount Residential Mortgage Group. This packet was mailed in regards to a mortgage application I submitted. 

The following is a copy of the letter I submitted : I applied for a mortgage through this company and was given misleading information. My mortgage broker decided to change lenders after advising me I was good for closing on my home in XX/XX/XXXX. I was later sent a contract from another lender with a different payment amount, interest, insurance and closing cost. I was never told my broker was still shopping lenders until after I received new documents to sign. My credit has been pulled several times by three different companies. I backed out of the deal after rearranging my whole life in the process of trying to get this done. I was never given any of my money back after paying for inspections, and giving earnest money. This was a horrible and heartbreaking ordeal I DO Not recommend this broker/ company to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My Mortgage Bank is : Ocwen Loan Servicing LLc I was offered aapplication Modification but after I sent the application, but after that, they started to refusing my payment, my credit is getting very bad and when I called last time after several timer per week and i Got HAng out, finally, this person told me that this bank will take my home and i have nothing to do, I told him tha I 'll find if I have the right to fight and get my home but he said they have the best lawyers and if do n't have plenty money he would n't reccomend me to fight because any ways I have everything to loose. 
Im very XXXX and I do n't know if I should keep XXXX or not because I work to hard for my home and now instead of getting a modification with government help that they mentioned to me, I ENDED UP LOOSING MY HOME. 
NOW I UNDERSTANG WHY MANY PEOPLE XXXX, BUT THEY DID N'T LEAVE A LETTER MAKING BANKS RESPONSIBLE FOR THAT, THEY MAKE PEOPLE XXXX WITHOUT CARE ABOUT OTHERS BUT JUST THEIR MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP ().
Issue: Using a debit or ATM card

Complaint: While attempting to withdraw XXXX from a US Bank atm in XXXX Oregon with an XXXX atm card, I was sent to a screen asking me if I wanted the currency converted from my XXXX bank account to XXXX before withdrawal or whether I just wanted to proceed with the transaction. The conversion rate offered on the screen was significantly lower ( XXXX4 % ) than the market rate XXXX would receive by simply proceeding with the transaction. Meaning that the bank would make a significant profit over an above the fees already charged from unsuspecting customers who elect to exchange the currency on this screen rather than just proceeding with the transaction. The only legitimate reason it would ever be in the customers interest to take this conversion offer is if the foreign institution charged a currency conversion fee that exceeded the difference in rates. Since foreign transactions fees at many banks are flat fees or waived on many types of cards, this offer in most cases amounts to tricking unsuspecting people into paying an unnecessary fee.

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 07/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I got a a call from diversified consultants and they were asking for my social and address before even saying who they are and why they are calling. I declined to give them my personal information and then I see that they reported to credit bureaus a collection of XXXX $ to XXXX that I do not know why i am being billed for it. 
I never recieved an invoice, bill, collection letter or anything. 
All I recieved was a phone call from an agency asking for my social!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Credit Bureau Equifax. 
XXXX hard inquiries affecting my credit report are : XXXX XXXX-XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX-XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX-XX/XX/XXXX Did n't want to remove my inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016 I reviewed my credit report and noticed that an account that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. As of today, I have not received a response from this collection account.

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 02/27/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I have the American Express Delta Reserve SkyMiles credit card. XXXX of the features of the card is bonus miles ( rewards ) after spending a certain amount with that card within a calendar year. A few days before XX/XX/2016 ended I called an AMEX representative to find out exactly how much more I needed to spend in order to meet that bonus requirement. I was told that I needed to spend about {$300.00} more ( I ca n't remember the exact number ). I went ahead and spent {$330.00} to be safe. After the year closed I did n't get my bonus, I called to find out why. I was told that it was because I did n't meet my spend requirement. They told me I was {$100.00} short. 
I was told inaccurate information by a representative and as a result fell short of my spend requirement. I made a complaint with AMEX and was told that they will honor the bonus due to the result of their investigation. It has now been over a month and I still have n't received anything. When I call customer service they tell me that " they are still investigating the case ''. It has now been close to two months with no resolution.

Company response to consumer: Closed with non-monetary relief