milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2016 about Consumer Loan (Vehicle loan) with TIDEWATER FINANCE COMPANY, INC. (CA).
Issue: Managing the loan or lease

Complaint: So I was approved for a loan through TIDEWATER FINANCIAL ON XX/XX/2016. However, my monthly payments per contract is due the XXXX of each month. I made the payments on time which was 45 days after I got the vehicle. However, in XXXX, I fell ill and a payment was not made. When I learned of this I immediately made a payment. I had been in communication with TIDEWATER, letting them when a payment would be made. I 've been making my payments on time and they have reported my payment 90 days past due. TIDEWATER took upon themselves to change my due date without my consent, written documentation. I have my bank statement and/or money order receipts as proof that my payments are made 10 or more days in advance. I have wrote letters, emails, text messaging requesting that my due date be changed back to its original date. TIDEWATER IS REFUSING TO DO SO AND KEEP RUINING MY CREDIT with false/wrong/fraudlent information. I spoke with TIDEWATER ON XX/XX/2016 trying to recify this but they refuse to clean my file up. I have disputed this with the credit bureaus and nothing is being done. Also, per TIDEWATER representative that all my payments went to interest. How is that possible, who has {$530.00} in interest each month? There is clearly some fraudlent activity going on here and this needs to be investigated ASAP. I 'm more than willing to send a copy of my loan contract to you to back up my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX, Portfolio signed for a returned receipt letter ( please see attached ) on XX/XX/XXXX. Per FCRA REQUIREMENTS they are to mark my credit report as being disputed ( Section 623 ( a ) ( 3 ). Portfolio did not do this, ( please see attached ) They have broken the law and per regulations they are REQUIRED to remove and stop all collecting attempts. CFPB is there to protect and serve consumers rights as you can see they did brake this law!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: From Equifax 's website, I have learned that I was a possible victim of their data breach, which was announced to me on XX/XX/XXXX. These hackers had access to my name, Social Security number, birth date, addresses and possibly my drivers license number. 

This has caused an unbelievable amount of stress for me and my potential future family. It could affect my ability to get a mortgage in the future. This should not have happened, especially when they charge money to send a credit report. They should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: Specialized Loan Service ( SLS ) is robo calling my home at least 5 times a day with a non responsive message asking if I am affected by the California Wild Fires. I have tried to call their offices to ask them to stop calling me. I am not affected and all they need to do is look at my address on my loan and know I am not in the county of any fires. They have all this information yet they are harassing me with these calls. How can I get them to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this account twice with the credit bureau. I have sent information concerning the payment history for the account on file. I sent information showing that my child support payments are not late as they continue to state. The bureau even received information direct from the company showing my payment history, yet they are allowing this information to continue to remain on my account. On my credit file it states that I have not sent a payment in for this account since XX/XX/2016, which has been proven by myself and the reporting company to be a lie. I have sent letters to the reporting agency asking for copies of my payment history and they have yet to respond. However, they sent the information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Mortgage (Conventional home mortgage) with CARDINAL FINANCIAL COMPANY (NM).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX XX/XX/XXXX Cardinal Financial processed our close of impound account request. 
XX/XX/XXXX Cardinal Financial issued a refund check for {$1200.00}. 
During our move we misplaced this check. 
On XX/XX/XXXX I found the missing check.
On XX/XX/XXXX I called Cardinal Financial and they requested that I send them the check back to Cardinal Financial and they would send a replacement check. 
Each month starting in XX/XX/XXXX I have called to find out why I have not recieved the replacement check. Every time I get the same answer " I do n't know what happened. I will issue you a new check today. It will be in the mail by tomarrow. The replacement check has yet to arrive.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Chase Bank NA has me as applying for a credit card with them on XXXX XXXX, XXXX and I never applied for anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a response to a previous complaint on CitiMortgage with Case number : XXXX I have received their response which is inaccurate and untrue. 
They indicate I have made a web payment on XXXX/XXXX/15 in the amount of {$4400.00} on the same day I made a phone payment in the amount of {$2200.00} This is not what happened at all even though they have provided a confirmation # to support their claim. I have never made an online payment with CitiMortgage in the 10 years of my mortgage payments to them. 
It is not safe to make online payments to them as it gives them access to your account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Account opening, closing, or management

Complaint: We opened a HELOC account at Citizens Bank in XXXX. At the time, we opened a checking account as well to avoid having fees on the HELOC account ( Citizens had a deal ). Our checking account had minimal money ( around {$1100.00} ) that we only used to pay the HELOC loan. In XXXX, we finished paying our loan and over time forgot about our checking account. Citizens bank began charging {$9.00} per month once we did not meet the XXXX transaction minimum in the account. We had originally signed up for paperless statements, but we were not told that we needed to also sign up for alerts to actually be told when the paperless statement was available. We have not used this account now for 26 months ( no atm withdrawals, no checks used or ordered, ... ) In that entire time, we have received no communication from Citizen 's Bank about our account ( since we did not have the Alerts feature turned on ). For 26 months, Citizens Bank has collected a {$9.00} fee for a total of {$260.00} of our {$1100.00} balance ( 23 % ). Again, they never marketed to us about the alerts, we never received any information about the account ( we had to know to go online and check ). We recently found this out as we were looking to possibly use our HELOC account again for a home project. When we called to see if our line was still active, we were also informed about our checking account. While I understand that these fees were disclosed when we first opened our account, the fact that we received no communication, were not told about alerts, and were basically ignored while our account continued to just be a source of funds for Citizens is appalling. We used no features of the account, Citizens was able to lend our money, and yet they charged us {$260.00} - if we finally had not called, they would have taken the entire balance over time. In my mind, these practices are unfair and deceptive. There is a full lack of responsibility to do what is right for the customer - ie marketing a different product that is more in line with the needs of the customer or viewing inactive accounts for possible communication or upgrade. I contacted Citizens after learning these facts and they agreed to waive {$40.00} ( XXXX late fees ). Again this is {$40.00} out of {$260.00} of fees on an inactive account. I would appreciate any assistance in reviewing their policies on inordinate fees, communication, and account review policies.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: RushCard has locked me out of my account for 10 days now and I have no access to my paycheck or student refund from my school. I am a single of XXXX and I am not even able to go to the store to by my XXXX old son formula. I am desperate and upset that I can not even take care of my children because of the technical glitch. I have called their customer service number over 100 times and have gotten hung up on, placed on hold for hours then hung up on, and told by their customer service agents that there is absolutely nothing they can do. Please help my family! I do n't know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
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: Received my credit report from equifax, XXXX, XXXX in regards to some inaccurate information on my credit report of charge offs from united illuminating that I have disputed and would like for that information to be remove from all of the credit agencies to no avail I want this information to be gone

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TRansunion has an account from XXXX XXXX and XXXX listed on my credit report. I have disputed this with them. I filed a complaint about the reporting company ( XXXX ) and they are not able to locate my account. How can they report this account but can not find me in their system. Sufficient information was provided. I have no knowledge of this account as I have never received any dispute letter as required by the FDCPA. How can Transunion allow a company to post something to my credit report without verification? Transunion has done this to me many times in the past and I have had to secure an attorney to help with this matter. If this is not corrected I will be forced to add this to the list for my attorney. I have attached my complaints with the CFPB where this company states that they can not find me in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: We received a notice dated XXXX XXXX, XXXX from the law firm of XXXX XXXX XXXX advising us that our Ocwen HELOC loan had been referred to them for foreclosure. The loan had been reinstated by telephone XXXX XXXX, XXXX and in writing XXXX XXXX, XXXX. Our bank transferred by wire {$5000.00}. ( substantially more than the {$2700.00} quoted as the reinstatement amount ) to Ocwen on XXXX XXXX, XXXX. Concurrently, our bank advised Ocwen of the funds transfer by email. Ocwen informed us by telephone on XXXX XXXX, XXXX that they reneged the reinstatement. 

Since XXXX XXXX, Ocwen changed the payoff amount and due date countless times. Each time a different Ocwen representative contacted us, not one of whom was aware of prior letters or phone calls or the most recent information given us by Ocwen. Also since that time Ocwen has been able to provide accurate accounting on our loan, whether it was credit for payments made ( substantiated by their own monthly statements ) and when, credit for additional payments made to principal, etc. We also received numerous calls requesting overdue payment amounts ; when asked for the remittance address, the Ocwen caller hung up the phone. On one occasion, I contacted the same representative and was told she was unavailable ; I said I 'd hold until she became available. After 2 hours I was told she 'd left for the day and it was n't known when she 'd return. 

When I had " telephone appointments '' with our designated " resolution manager '' I was contacted by yet another representative who said that that person was on another call, in a meeting, away from her desk among other reasons I could n't speak with the same person. Then the new representative, oblivious to former information, continued on to give more erroneous data. 

We have acted in good faith with Ocwen to no avail. Full documentation is available, if necessary, for all of the above statements.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with ZIONS BANCORPORATION (NV).
Issue: Lost or stolen check

Complaint: ON XX/XX/XXXX I PURCHASED FROM MY BANK OF 30+ YEARS THREE CASHIERS CHECKS IN AMOUNTS OF {$5000.00}, {$10000.00}, AND {$15000.00}. IN THE FALL OF XXXX I HAD OCCASION TO USE THE CHECKS BUT COULD NOT FIND THEM. I INFORMED THE BANK AND THEY PLACED STOP PAYMENTS OF THE CHECKS, TELLING ME THAT I WOULD NEED TO WAIT FOR A WHILE BEFORE RE-ISSUANCE COULD BE MADE. I ACKNOWLEDGED THAT CAVEAT AND CARRIED ON WITH MY LIFE, EVENTUALLY FORGETTING COMPLETELY ABOUT THE LOST CHECKS. IN XXXX I CHANGED OUT THE INSERT OF MY LEATHER BOUND PHONE BOOK AND FOUND THE ORIGINAL CHECKS WITH THE CARBON COPIES TUCKED IN THE COVER. I BROUGHT THE CHECKS TO MY BRANCH WHERE THEY EXPRESSED SYMPATHY, FOUND THE STOP PAYMENT ORDER, AND ADVISED THEY WOULD TAKE CARE OF THE MATTER AS SOON AS POSSIBLE. AFTER MONTHS OF NO RESOLUTION. I WROTE A LETTER TO BANK PRESIDENT WHO REPLIED THAT " SINCE WE ARE UNABLE TO VERIFY THE DISPOSITION OF THESE ITEMS, WE MUST DECLINE YOUR REQUEST FOR REIMBURSEMENT. '' I HAVE THE THREE CHECKS IN MY POSSESSION TODAY. THANKS IN ADVANCE FOR ANY ASSISTANCE YOU MAY RENDER IN CORRECTING THE OUTRAGEOUS FAILURE OF MY BANK TO RETURN MY FUNDS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company garnished my wages without proving that is was my debt. They also garnished my wages before any court date provided. They where sending notices to an incorrect address that was listed on the court documents. Did not receive notice of right to dispute. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: As I was in the middle of a chapter XXXX, on XXXX XX/XX/XXXX, the XXXX bank sold and bought my house with out advising me on XXXX XX/XX/XXXX an improperly way he is the seller and the buyer at the same time. it is unfair practice. the XXXX Bank cam in XXXX XX/XX/XXXX in the Bankruptcy Court asked the juge to remove the block they made in the House.I am crying for help this morgage already had to much violation on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: A request for a Loan Modification was filed by borrower in XX/XX/2015, Servicer Bank of America denied the loan mod on XXXX/XXXX/2015, a Short sale was submitted on XX/XX/2015, bank of America denied the short sale by stating occupancy of the property was misrepresented. 
Borrower 's homestead is the property in distress XXXX XXXX XXXX XXXX XXXX, because of work reasons her employer has given her temporary work assignment is different States, the last being XXXX, where it was just terminated and she is back home. 
The property has been occupied by her parents and her only child, they have always live in the property. 
We files an escalation with XXXX the investor of the loan and they instructed the negotiator negotiating the short sale, to submit a request though the home path ( XXXX System ), but we also needed to re start the process with BOA as well, we did and it was declined for the same reasons. 
We received a letter allowing us to the Short Sale and the same date we received a letter denying the Short Sale. 
The borrower is entitled to a short Mitigation Option and there is a purchase agreement, meeting the bank 's value. Against CFPB regulations to stop the foreclosure sale until we finished the process, ON XXXX, the bank through its counsel filed a Motion to set foreclosure sale date to XXXX. 
The borrower has a child and XXXX elderly parents who live with her in the property. 
We believe the servicer is not reading the rebuttal sent to them and is ignoring all explanations. 
Bank of America wishes to continue with foreclosure in order to later transfer tittle to institutions such as XXXX or XXXX so the properties can be sold as bulk to investor all over the Nation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt is a result of identity theft. It is from Midland Funding LLC. They state that I owe them {$3300.00}. I do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Problems when you are unable to pay

Complaint: I wanted XXXX, and was required to have my car ( like to own or rent ), the choice was to own, I was denied for auto loan in every bank institution, reason was my bankruptcy, so i had no choice but to go to a car dealer, who promised me to help with loan and the car. At first my auto loan to Santander bank was denied, after a week car dealer called and said he managed for approved the loan from same bank, but I must hurry and come to sign some papers, I was desperate and basically signed papers, and within XXXX or 3 weeks dealer had sold me the car ( old XXXX, but was promised XXXX ). Please keep in mind I did not received the money from bank ( bank gave funds directly to a dealer, and only then dealer release the car ). Got the car at end of XXXX XXXX and after two month Santender bank seize the car, declaring that application was filed fraudly, Also another fact, the tow truck came to take the car as for non payments, and I had called the police and police asked from tow truck to prove for non payment, and I was shocked Santender bank gave a tow truck driver the official letter as for non payment, I had showed my car payment statement and my bank statement, but XXXX trust more the document from bank, ( police never trust civilians, we all know that ). 
So, If a dealer wrote any fraud on application, in which I was not aware, why I should take responsibility, and If there was a fraud activity but I think only comes from both sides, bank representative and dealer, ( they made some kind deal, i only speculate with my situation, and I was not present when they made deals ). Anyway after two months Sandender seize the car, and after XXXX year declare to pay balance. I had found that Santander makes this kind practice very widely across the country, and I hope in future many consumers will not make mistake as I did.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: on my report appear a balance of a apartment that ca n't be me because on that time i does n't have social security number and i was on XXXX grade of schoolS, also there is a student loan under my name and thats not possible either because like i said i was here with out social SSN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX.

I have attached What these items are :

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 05/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion has deleted and corrected my credit report and then reinserted these inaccurate items that they previous deletions without any warning and are causing me to losing my financing.

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