milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MI).
Issue: Trouble during payment process

Complaint: My mortgage was recently sold from  XXXX  ( whom I had no issues with ) to a company calle d Loacare. I have tried to make my payment online and they refuse to take it! I wanted to do payments onlin e as it 's easier and the woman I spoke with when my loan was transferred stated it was easy and no problems. My payment is due today  XXXX   XXXX ,  2017 . I paid it online on  XXXX   XXXX ,    2017  at approximately  XXXX . I have an email they sent stating that it would be processed but they have not processed it and I should n't have to pay late fees. I called them numerous times only to be disconnected. The reviews for this company are all horrible and I 'm very frightened they will try to take my home. I tried to see if I could refinance with another company but I do n't qualify as I do n't have enough equity in my home. Please help! Someone needs to do something bout this crooked company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Denies that i have any bank accounts and has not updated my addresses in the last two years. The bank account is the same bank account from 2002

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CT).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: As of XXXX/XXXX/XXXX, I was advised by the XXXX XXXX XXXX XXXX XXXX XXXX. to submit a complaint to CFPB indicating that my second mortgage SLS ( Specialized Loan Servicing LLC ) at XXXX XXXX XXXX in XXXX, CO XXXX either release me from the debt which is charged off or written off the books, or put back on books, which is preventing me from getting assistance through the EMAP Federal Loan program under CHFA, I was approved on XXXX XXXX, XXXX and provided all my documentation needed. Then on XXXX/XXXX/XXXX because SLS would not give a settlement amount or put my loan back on the books, I was denied. I receive a statement every month but it does not show the XXXX figure going down or the amount I have paid decreasing the loan. There is a past due amount but nothing indicating what has been paid on loan especially since I have had them since XXXX, a loan that started at XXXX is now up to XXXX. Original payments of XXXX in XXXX for at least 5 years until I lost my job and payments started at XXXX, monthly. XXXX XXXX was my loan servicer before SLS so I need clarification in writing indicating the balance owed. Thank you in advance for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit card () with TD BANK US HOLDING COMPANY (VA).
Issue: Billing disputes

Complaint: I filed a complaint ( # XXXX ) regarding Nordstrom Credit cards because I was unable to change the auto pay feature either online or over the phone and I wanted to reduce the automatic amount from the full statement amount to a lesser amount ( {$1000.00} ). After XXXX or XXXX phone calls and filing a complaint with CFPB I was assured by multiple Nordstrom representatives on the phone AND in XXXX LETTERS that they would deduct {$1000.00} from my checking account on XXXX XXXX. XXXX of the letters from Nordstrom Rep XXXX XXXX acknowledges that the problem was with Nordstrom, and explicitly states that they were going to deduct {$1000.00} from my checking account on XXXX XXXX. The checking account listed on my Nordstrom card account is the same one that has been listed for several years and was the same XXXX Nordstrom used for auto pay from XXXX XXXX through XXXX XXXX. They posted the payment on XXXX XXXX, but never sent the request to my bank account AND NOW THE ACCOUNT IS LISTED AS OVERDUE. I have now made ANOTHER payment online of {$1000.00} BUT I HAVE NO IDEA IF THEY ARE GOING TO HONOR THE PAYMENT OR NOT ( conf # XXXX ). If this screws up my credit, can I sue Nordstrom?

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: this complain is for the collection practices regarding the in store card for XXXX XXXX via Comenity Bank. This month i was XXXX week last paying my card - i had a health issue but that is neither here nor there. on day XXXX that i was late ( btw first time i was late ) Comenity started calling me every hour on the hour starting at XXXX pst and usually ending around XXXX - they have XXXX different numbers they are using and then a restricted XXXX which they think apparently gives them carte blanche for phone harassment since i can not identify the number but i know it is them - along with their other numbers they call on the hour - every hour - every day Monday thru Sunday. - last time i checked this was phone harassment - they leave no message and now have also started texting me - again i was XXXX WEEK LATE and as soon as i got my next paycheck i scheduled the payment. i have all the calls on my phone and think this is ridiculous. a few years ago i was late by a few months with my XXXX XXXX XXXX and they called me twice during that whole time. every hour on the hour is harassment and i want to file a compliant they ca n't do!

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I want to dispute a {$95.00} medical bill that is open with Equfax. I sent a dispute to XXXX and let them know that I paid the bill before it was sent to collections. The results are below. After verification it shows that I did pay the bill. I want this removed from my Equfax report as well. 


Since your last update on XXXX XXXX, XXXX, 1 collections account has been removed from Account Type Removed Status Reported By XXXX XXXX XXXX Removed XXXX Removing a collections account from your credit report can have a positive effect on your credit score. 

This is a copy of what equifax has : Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$95.00} High Balance {$95.00} Remarks Medical.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other transaction issues

Complaint: On XXXX XXXX I received an email thanking me for a recent transfer I had made through moneygram, since I had not made a transfer through their service for at least a year and a half I called them to inquire about the email. They told me they could not tell me about any recent transactions, and that they had closed my online account for security reasons I asked them why they closed the account they said they could not tell me. I checked my bank and my credit cards and there had been no withdrawls for moneygram so I assumed it was a mistake. Then, today I I received XXXX collection letters XXXX for online transfers that I was alleged to have made via my moneygram account on XXXX XXXX 2016. I called moneygram they said that they could not tell me who initiated the transfers, but they were made on my account so I needed to pay for them. I explained that I had not logged into the account for over a year and that no transactions have appeared on my bank or credit cards. They claim that I 'stopped payment ' but will not tell me who the money was sent to, or what account they attempted to charge ( there were no attempts to charge either my bank account or my credit cards ) I told them that I could not even log into my account to check and see the details of these transfers I had allegedly made and they said that was too bad but it was there policy not to give out information. They are apparently affiliated with telecheck who sold the collection account to XXXX. Moneygram just keeps telling me to complain to them or call my bank. My bank has nothing to do with this and both XXXX and XXXX want my bank account number, social security number and driver 's license number before they will talk to me, none of that information is relevant to this. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other transaction issues

Complaint: Tried to make a money transfer to XXXX via Western Union today sunday. They were able to take the money from my account very fast, but then denied the transfer without giving any explanation. Now they say are not responsible if I DONT GET MY MONEY TODAY BECAUSE IT DEPENDS ON MY BANK. tODAY IS SUNDAY..THE BANK IS CLOSED AND THIS MONEY IS FOR AN EMERGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Dear CFPB, I 'm hoping you can help me with an issue I am having with Citibank and how they keep causing me to go overdrawn.

To give you a bit of background - I moved to the US from the XXXX about 6 months ago, so I 'm presumably used to a smoother operating banking system.

Essentially - I am using my Citibank checking account as my main account here in the US. I pay through my card on XXXX, XXXX and in-store. From what I gather, the primary cause of the issue is that Citibank seem to take over 5 days to process any transaction. 

This means that when I am buying things online or in-store, Citibank are not actually processing the payment until much later. When they finally do this, they process all my payments at once and they keep sending me overdrawn, and charging me a {$34.00} transaction fee. 

I 've asked them many times to not do this. I never want to be taken overdrawn. If I do n't have enough money in my account to make a payment, I will just use another card / payment method. But, because Citi are so slow at processing payments they let everything build up and process it all at once so that they can claim to charge fee from me, rather than actually just telling me when I 'm making my purchase that it will be declined and I should use another card. 

All of these charges are below XX/XX/XXXX Monthly Service Fee {$12.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} XX/XX/XXXX Monthly Service Fee {$12.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} ( As a side, I do n't know why they are charging me a Monthly Service Fee, as I did n't sign up for this ) Your help is much appreciated Best, 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 11-12-2015 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I received a payday loan from castle pay day and paid {$370.00} I called on XXXX/XXXX/2015 and asked what I needed to pay to pay off loan in XXXX payments. I was told I could pay XXXX on XXXX and next pay XXXX in next two weeks. Then I was contacted an hour later and was told that I would need to pay another XXXX. 
I do n't have a problem with paying off the XXXX however I do n't think it 's fair to pay twice as much from what I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I lost my job in XXXX. XXXX XXXX put me in collection then and statute of limitations is almost up. My job loss led to poor credit. EOS CCA has stated debt began in XXXX in order to try and collect a debt. They are dishonest and unethical. Please fine them for their dishonesty under federal statute. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX has run Hard Credit Inquiries on my Account. 

I have not authorized Chase Bank to Run Any Soft or Hard Credit Inquiries. 

When I called Chase Bank to inquire into why they were running Hard Credit Inquiries, I was told that there was No Department that Handles this type of issue and that I had to address the issue through the Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX ran a hard inquiry on our credit reports without our authorization. We never heard of this company before until we received alerts about activity on our credit reports. This is Fraud.

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 07/19/2017 about Student loan (Federal student loan servicing) with ACS Education Services (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I applied for the Public Service Loan Forgiveness program and was denied. I took ou t William D. Ford L oans and I have been paying on them  since  XX/XX/XXXX . I have paid for 17 years without missing a payment. I have never been late with a payment s ince I have automatic debit. I work fulltime as an  XXXX  in a   XXXX   XXXX   XXXX   and meet all the other qualifications. I have also applied for the   XXXX   forgiveness program   and been denied because I took out my student loan in     XX/XX/XXXX  o ne semester before the program benefits.   XXXX   University   DENIED the Perkin Loans to the  XXXX  students who were in greater need than the  XXXX  students because our classes were much more expensive. If they had allowed the   XXXX    students Perkin Loans I would have had 100 % forgiveness. What are my options at this point in time after paying faithfully for 17 years. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: e : Public Record on Credit Report Docket # : XXXX Plaintiff : XXXX Balance : {$270000.00} Dear Experian, I am writing to dispute the validity of the above referenced item pursuant to the Fair Credit Reporting Act ( FCRA ). The FCRA requires you to verify the validity of the item within 30 days. If you can not verify the validity of this item within 30 days, the law says you are obligated by law to remove the item. 

If you are able to verify this judgment, let me know whomever provided you with this information and the manner in which it was provided so that I can get to the bottom of this. Hiring a third party to verify this judgment is against the law. Also, do not look up this public record in the XXXX XXXX database or through the Public Access to Court Electronic Records ( PACER ) database. Or by a third party. Verify directly with the court.

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 06/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rauch-Milliken International, Inc. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The initial phone call was bullying. This woman XXXX XXXX was just bullying which defies logic. She would not even let me talk. i hung up because it was so unprofessional. The entire conversation was threatening. i was n't even disputing the debt. She billed me for the wrong amount ( see attached letters faxed to me just to embarrass me ) and proceeded to call every day leaving messages that obviously told other employees my business. She then proceeds to fax threating letters to another business.i have been sent via fax, intentinally trying to embarrass me. Today XX/XX/XXXX they had another rep. call me. I explained to him my experience he apologizes and then escalates the conversation into an unnecessary bullying match. i finally said what is wrong with all of you. i sent a payment to the company i confirmed it on the XXXX. Then the fax another threating letter after confirming and then called me again today. He gets angry because I told him i will not send payments to them. I will send directly to the client. He goes ballistic and said I will put this on your credit report and report you as combative and refuse to pay. This is harrassment. i have XXXX different letters with XXXX different amounts. NONE ARE CORRECT!! THESE PEOPLE ARE BULLIES. WHY WOULD YOU BULLY SOMEONE WHO IS PAYING AND NOT DISPUTING THE DEBT?

Company response to consumer: Closed
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove numerous fraudulent, unauthorized inquiries from my credit reports that were not made by 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 09-01-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I never seen these credit cards. XXXX. I never checked my credit because I Have n't tried to use any credit cards, I never wanted any. Everything I have is from cash. Now that I may need to use my credit I find Things I never seen before, this may be Identity theft. I do n't know how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (I do not know) with McCullough Payne & Haan, LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: In XXXX XXXX, I pulled a copy of my XXXX, XXXX, and XXXX credit reports and noticed that there was a judgment listed in the amount of {$1700.00} ( Case # XXXX ) that was filed in XXXX County, Georgia. I disputed the debt, and it came back verified. I contacted the XXXX County court via certified mail and asked for the judgment to be set aside per I unaware any court date regarding this matter that the XXXX states that I did not show for, nor was I aware that a XXXX judgment had been granted against me. Furthermore, I was not provided with the debt verification that I requested, which the XXXX acknowledges as receiving in the attached documents. This judgment shows on my credit reports as being granted in XXXX, of which time I was a resident of XXXX County, not XXXX County. The plaintiff responded to my XXXX to set aside and asked that my request be denied. On Wednesday, XXXX XXXX, XXXX, I received a " XXXX '' in the mail from XXXX, claiming an amount of {$2400.00}, plus the XXXX cost of {$51.00}. I have not heard from this company regarding this alleged debt until I contact the XXXX County Court asking for them to set aside the judgment after I noticed it on my credit reports. Also, I have not received the debt verification that I initially requested showing that this alleged debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (AZ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I am a victim of identity theft. Someone stole my personal information and identity to open up a XXXX XXXX store credit card account through Wells Fargo Financial National Bank fraudulently and unauthorized. Someone had a Minnesota drivers license in my name with my picture on the drivers license and a date of birth of XX/XX/XXXX. My date of birth isXX/XX/XXXX Furthermore, I was incarcerated fromXX/XX/XXXXuntil XX/XX/XXXX. I was released from prison on XX/XX/XXXX so theres no way I opened up the account. Review the attached documents submitted with this complaint. The XXXX credit card account is fraudulent, and dont belong to 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 non-monetary relief
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (DE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed  Chapter   XXXX  Bankruptcy in  XXXX    XXXX   on a home mortgage and the credit report reads a outstanding interest accrued amount instead of a status of discharged through chapter  XXXX  bankruptcy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation