milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX my wife XXXX XXXX contacted Quickin Loans in an effort to obtain a mortgage for a {$40000.00} investment property. She spoke with XXXX XXXXXXXXXXXX. She informed him that we needed a pre approval letter and mortgage for a {$40000.00} HUD property that we planed to use for investment property. 

XXXX XXXX obtained my social security number from my wife and place a hard credit inquiry on my credit profile. He never spoke to me or obtained my permission to do so. 
I received a notification from my XXXX XXXX account that the inquiry was made by XXXX XXXX. 
XXXX XXXX got back to my cell phone number and stated that Quickin did not do loans for the amount we were requesting. 
Upon being told this I sent a text message to XXXX XXXX stating that he should have told my wife this from the beginning of her speaking with him and that he certainly should not have pulled the hard inquiry knowing that his company would not do this loan. 
He did not respond to my text message. 
Today I contacted Quickin Loans and spoke with XXXX XXXX ( XXXX ) of the consumer affairs department and shared concern and request for the removal of this hard inquiry. XXXX XXXX stated that he would have to conduct an investigation and would get back to me by Wednesday of next week. XXXX XXXX made me feel as though my wife and i were being investigated. This was unacceptable to me. His loan officers should operate with integrity and not hucksterism. I am asking that this inquiry be removed immediately and an apology be made on behalf of this incident. 

I can be reached by cell XXXX or email : XXXXXXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Today I received notice from Commonwealth Financial Systems in regards to an alleged debt owed of {$120.00} from the previous collection agency ( XXXX ). I already requested validation from XXXX just weeks ago. XXXX stated that the account would be closed last week and removed from the credit reporting agency. Now Commonwealth is attempting to collect on an account that I previously requested validation on.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Medical) with Hunter Warfield, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this debt is fraudulent was created from identity theft and needs to be removed i have filed a ftc and police report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Student loan (Non-federal student loan) with Genesis Lending (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was enrolled at the XXXX XXXX XXXX from XXXX XXXX to XXXX XXXX. I 've filed for loan forgiveness with the U.S. Department of Education. Not only did I have federal Loans but I also had private loans with Genesis Lending which I have since paid off. I was doing additional research on your website and located the page the discussed CFPB is seeking redress for all the private student loans made since XXXX XXXX, XXXX, including those that have been paid off. I am reaching out to see if I am eligible for reimbursement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i purchsed a XXXX XXXX on XX/XX/XXXX for {$350.00} order # XXXX ; on XX/XX/XXXX i purchased a printer for XXXX order # XXXX. I made total payments of {$730.00} however after paying this amount I was sent a bill for {$4300.00} on XX/XX/XXXX.in the 14 page detailed bill they are trying to charge me for motherboards, ink, photo cartiridges adapters, minicards ; the list goes on and on. 
At the time of the purchase I was employed by XXXX XXXX XXXX and bought it through the employee discount program they had with XXXX XXXX, but after receving the bill I discovered that they were charging me for all the items that the Computer Dept purchased at that time period. I tried to explain to XXXX XXXX XXXX but they all they keep saying is that They Bought the Debt on XX/XX/XXXX, which I told them they did not investigate the debt before they bought it and had they, they would have seen it was in error. 
I offered a settlement to them for {$500.00} which I felt was reasonable for the delinquncies ; but they refuse to accept and remove it from my credit report which is ruining my credit rating This company in my opinion is a predatory collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Equifax is reporting 2 accounts with XXXX XXXX  XXXX that are past the statue of limitations the as per the bureau the XXXX and the other is XXXX and both are over 7 years old and should not be reporting the other is XXXX XXXX XXXX XXXX it actually had a charge off date over 8 years ago and again should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: According to the previous mortgage statement the PMI has deceased but Wells Fargo informed me with an incease monthly payment. Wells Fargo reported to the credit bureau inaccurate information regarding the mortgage account. According to Wells Fargo customer services representive and credit bureau money schedule to be paid at the end of the mortgage. Additional information for the case I previous filed.

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 05/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Problems caused by my funds being low

Complaint: I was charged excessive late fees and extended late fees on my account. transactions such as deposits and withdrawals were structured by the bank so that my account was unnecessarily short and thus overdrawn causing me fees in excess of {$300.00} over a few 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 monetary relief
Consumer complaint received 12/30/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Transaction issue

Complaint: I purchased an item on " XXXX '' and paid using my " XXXX '' account under creditcard- ( citi mc ). 
a month later after reviewing my creditcard statement it showed a cash advance Fee charge + intrest now accruing every month. I called and they said the transaction went through as a cash advance. Citibank mc refused to reverse the charge saying XXXX needed to do it. XXXX refused to do it saying it could not be a cash advance because they dont allow it. I had both reps on a XXXX call, and they both argued with each other saying there was a mistake but neither could do anything about the charges, with me caught in the middle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NY).
Issue: Making/receiving payments, sending money

Complaint: Pay Pal gave me an unauthorized line of credit and is now saying that I have a negative balance. I have never asked Pay Pal for any line of credit, nor do I want one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX Website : XXXX // XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Paid only one payment of 3 of ( XXXX ) Payment Method : Credit Card Subject : Defraud Company posing a people that can help you get lower rates on student loans. I spoke to the representative and based off of my financial issues they guaranteed a payment of XXXX dollars with current provider XXXX. 

They asked for 3 payments of XXXX. Of which I paid XXXX payment. Their loan specialist would then work with XXXX to lower my student loan payments. 
Their partner processing company XXXX XXXX asked for my last year tax statements and two recent pay stubs. 

About two weeks later they sent me a mail saying that they lowered my payments to {$1300.00} ( The initial payment was XXXX dollars ) and they would have a renewal rate confirmation coming from XXXX XXXX the loan provider ) within XXXX days. 

This immediately struck me because I they gave me a number to reach and it could not recognize my SSN through the XXXX number to cross verify what was talked about. I was not able to reach anyone so I called XXXX directly. 

I ended up Talking to a representative at from the number listed on XXXX 's site and found out that that the number The Student Loan Help Center provided was false and they never at any point reached out to XXXX on my behalf. 


The company guaranteed a rate of XXXX payments and after the payments for 10 years the loan would be forgiven over the phone. 

I also spoke to XXXX the only way that a loan could be forgiven was if I worked for a full-time non-profit Or was a teacher at a title 1 school. 

I have since then I negotiated with XXXX on a payment plan and stopped payment to XXXX XXXX XXXX XXXX XXXX for misrepresentation services. 

I have also recieved a deliqent payment mail from XXXX XXXX XXXX XXXX XXXX / XXXX demanding payment within 7 days or they are going to file for collections against all three credit bureaus and also file a report to the IRS. 

So I have have filed a claim to the State of Florida Attorney General, The Federal Trade Commisson, Created a new ID on FASFA, Filed a claim to the Dept of Edu, and notified all three credit bureaus

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2016 about Consumer Loan (Installment loan) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Managing the loan or lease

Complaint: My husband has a private student loan he obtained before our marriage ( I was a minor ). He was delinquent, and in talk for a payment plan with them, when a judgement was filed against the both of us. I am attaching paperwork we signed showing that this judgement was to only be against him. Despite this, I have a judgement listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (I do not know) with P&B Capital Group, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receive repeated calls from XXXX for some type of debt collection. Leaves very little information, seems to be a scam. Business is not licensed in the State of Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: As a result of the XXXX breach, I have been trying to understand my risk and mitigate them. I 've spoken with all three credit bureaus, and feel less secure than when I started. All three are like mafia businesses : These credit agencies collect our private info without our permission. Then they want to charge us to protect us? And according to the XXXX  agent ( phone call today, XX/XX/17 ), if I sign up for XXXX XXXX, I waive my legal protections in case I end up a victim as a result of their incompetence? 

So, I 'm terrified and would like some protection from these risks. I do n't trust this industry to police itself, please help. 

I also have XXXX XXXX boys ( XXXX, XXXX ). Each company says different things, influenced by state law ( I 'm in Calif. ) and their internal policies : TransUnion says I have to get a court order to put a credit freeze on my XXXX XXXX XXXX. But I can send in an application to note of their files that they are minors. Not sure that would do anything, and do n't they already know that they are minors? 

XXXX says that my boys have to call them for service, that I ca n't act on their behalf since they are no longer minors. This is their internal policy. I thought I was legally responsible for my children! XXXX? 

XXXX says 'do n't worry, since they have n't started financial activities, they will have no credit on a credit report. I do n't need to do anything. Right. 

Dealing with these call centers has been awful. The agents range from haughty and impatient to ignorant. None of them clearly explained my risks and what their services can do to protect me. 

Why is XXXX even in business? They had one job to do! This information is too sensitive to be left to fly by nigh businesses with little accountability to their customers.

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 04/26/2017 about Debt collection (Other debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On   XXXX   XXXX   XXXX     I picked up mail from  XXXX   XXXX   Post Office whic h they were holding for no apparent reason. I found  XXXX  notice to collect {$450.00} from me. I called asking what this was about and all they would say that it was a outstanding bill from Kohl 's for {$160.00} .i asked for information and they only said it was turned over them the beginning of  XXXX . I stated that I never received any bill from Kohl 's. I called Kohl 's and all they told me is that the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Wells Fargo has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the Wells Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the Wells Fargo response ) I pulled a tri-credit bureau from XXXX yet again at a personal cost of {$30.00}. The negative attribute Wells had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the Wells response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from Wells Fargo . I thought I would give it a bit more time, and yesterday called the XXXX customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from Wells Fargo. 

At this point, unless XXXX is mistaken, it appears Wells Fargo is knowingly reporting false information 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 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received an email last night from Discover Card from their Customer Protection Services ( see attached email document ) that the credit line account jointly owned by my wife and I ending in XXXX has been closed. The reason given as stated in the letter is - Unsatisfactory Payment History. 

As far as I know, since this credit line account was opened in 2011, I have never missed a payment neither have I paid interest in keeping balances on the account after a payment due date of a month 's billing statement. Therefore, I would like Discover to provide me with their record showing my " unsatisfactory payment history '' leading to the closure of this credit line account ending in XXXX. In addition, for several days now I have been unable to login to this account. 

If this is an attempt by discover to damage my name or spoil my credit because of my status, background, race, or whatever, then they should come out clear.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bay View Servicing at XXXX continues to call us daily even though we have never been late on our mortgage payments. We asked that they stop calling over XXXX days ago. They continue to keep us on a dialer.

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. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was divulged during the 2017 Equifax data breach. I have filed a 90 day fraud alert on my account and will continue to monitor my information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 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: Account information incorrect

Complaint: XXXX sent me a letter dated X/XX/17 in response to my complaint of inaccurate information in addition to wrong account history. They claim that the credit reporting agency is at fault and they will not delete this account. Per the fair credit reporting act the company and the reporting agency get together and research the information once one disputes. XXXX claims that they are reporting the same information to all three bureaus. I find that odd considering that one of the bureaus, and I have several hard copies as proof of all three bureau reports, one credit bureau has the balance as {$0.00} and the account as closed. XXXX claims the reason for the different balances has to do with me disputing this account. That makes no logic whatsoever. Consider the fact that seeing the information being reported wrong is what made me dispute the information. Meaning, the information was already wrong prior to me disputing. XXXX claims that the bureaus interpret the reported information they way they see fit. I dont see how {$15000.00} can be intepreted as {$0.00} At this juncture, because I have tried to rectify this erroneous account with XXXX several times, and there is a legal paper trail of proof, I now have a right to file a suit for damages if they do n't instruct the three agencies to delete this account off of my credit report. Not update, but delete.
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 03/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/15 Capitol One Bank called me and said that someone opened a credit card in Florida on XXXX/XXXX/15. It was not me. The credit card was opened in Florida and I live in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I owed approximately XXXX dollars. While I was waiting for XXXX to be ok 'd, ( 2006 ) the first debt collector ( I do n't remember the name ) started to call me everyday, even on the weekend. I kept telling the person ( XXXX ) that I expected money in about two weeks and told him after several calls that I was going to receive XXXX for XXXX and XXXX. He started acting upset and said. oh no! He hung up and called our police dept and told them I had threatened to kill myself. The police called my home and my sister had to verify I was ok. A supervisor called me and tried to set up payment and I told them about XXXX XXXX actions. They told me they had fired him for those kind of tactics. I told them I would not pay the debt, instead of suing them, and they stop calling. A year later another debt collector XXXX started to call and harass me for the money, I told them the story of the other collector, and they bought a bad debt. I did not here from them until recently. Now they are calling me every week day sometimes twice a day. They continue to report this debt to credit agencies. The original debt is from 2006, I now receive XXXX and can not pay and feel I have been wronged and harassed. I 'm done. They have not sent any written communication, just keep calling after10 years. hopefully you can give me direction. Thank you.

Company response to consumer: Closed with explanation