milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I paid off my student loan on XX/XX/2017. I logged in on XX/XX/2017 to ensure it was paid off and there was a balance of {$5.00} for unpaid interest. I called to explain this to aspire and was told I would have to pay it and they would not back date the interest to XX/XX/2017. I spoke to a rep as well as a manager. I finally offered to pay the balance via a credit card and they told me the minimum payment would be {$10.00}. I hung up and paid the balance because I was told they would not freeze interest while I submitted a complaint to them and would be responsible for daily interest accruing. My payment was made online. This is a scam had I not gone into check I would have accrued interest for who knows how long because their system is broken.

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 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This letter is a formal complaint that you are reporting inaccurate credit information on my credit report.I am totally distressed that I have negative information noted below in my credit profile due to its damaging effects on my good credit standing.XXXX Account XXXX I never received any late notification on this account. XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Disputing a listing with the Original Creditor There is no doubt I am aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a XXXX which was highly embarrassing and has negatively impacted my lifestyle.XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] With the proof I 'm attaching to this letter, I 'm sure you 'll agree that the inaccurate information is harmful to me and, thus, needs to be removed ASAP.

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 10/30/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: when i bought the house we live in, the mortgage is with Wells Fargo. when pres obama said there is mortgage help out there i thought why am i paying 6 % on my loan. This was in XXXX i have contacted Wells Fargo to refi to a VA loan from a fha loan because of all the insurance i have to pay. Well to make a long story short here i am 3 years later still trying tlo get a refi. Wells Fargo has never ever tried to help me. in XXXX i suffered a XXXX XXXX XXXX, i am the only worker in my family. when the XXXX XXXX came my unemployment just ran out current on mortgage. As i was in the hospital from XXXX XXXX to XXXX XXXX i was in the hospital. my new job was to start on XXXX XXXX well after the XXXX, i was left with XXXX income, so i went to my veterans service office and received a macv which paid my mortgage and house bills for 6 months. they paid and not always on time, So Wells Fargo who knew of my condition said as long as we receive it by the XXXX no penalties. So what they kept doing is reported every late to the credit bureau. taking my credit score from XXXX down to XXXX. So now they will not refi me because my credit score is down. What they do not understand is that they did it and that they refused to help because of that. So they keep doing this while i go deeper in debt. All i ask is that they refi me, take the stuff they put on my credit report off. i have been ontime for past 6 month, they told me after 3 months on time we will work with you. Well its been 6 and nothing. for three years i have been paying over {$4200.00} on interest and {$1200.00} on my principle per year. Also they have raised my esgrow account from {$130.00} a month to over {$210.00} a month, mean while my insurance and taxes have not gone up since i signed the papers. my tax goes up only {$40.00} and down depending on the schools needs. my insurance highest was {$1000.00} i have since redid insurance XXXX to keep it below {$800.00} a year. But Wells Fargo has broken verbal promises, they have lied to me about why my payment keeps going up even though the taxes and insurance as i write this are the same as when i signed my mortgage but the increase of 100 % is alarming. They refuse to help because of my credit score in which they brought down as i was fight for life. This bank has done alot of damage to my credit, my life and yes i am on XXXX because of XXXX during my XXXX XXXX. I just need this bank to do the right thing. they have disciminated against me, they have put me in a financial pickle. I have tried but all i get is no we ca n't because of your credit score that we brought down. my next step is to sue Wells Fargo XXXX XXXX for unethical business practices and unethical discrimnation of finacial help, and unethical lending practices. The 6 % i pay on this mortgage is unreal and Wells Fargo owes me for overpaying the last 3 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian is improperly sharing my credit report after receiving the police report that I am a victim of identity theft. Furthermore, they will no longer give me online access so I can monitor any further credit inquiries on my 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 non-monetary relief
Consumer complaint received 08-12-2017 about Debt collection (Medical debt) with Paramount Recovery Systems, L.P. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I asked that my debt be deleted from my credit report in exchange for me paying the balance in full. I paid the balance and the account still shows up as open on my credit report.

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 06/26/2017 about Debt collection (Other debt) with American Coradius International LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We keep recieving letters of collection regarding an amount that has been turned over to a collection agency from  XXXX . The account in question belongs to our son who is a minor and who was unscrupulously taken advantage of by another  XXXX  member. The account has been placed in collection, and we assert that he is not, nor can be held accountable for this amount due to the fact that he is a minor and not able to enter a legally binding contract. Despite this explanation both written and verbal to the collection agency charged with collecting the debt, we continue to receive demand payment letters.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Payday loan) with Mobiloans, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I am disputing a debt with Mobiloans via credit bureau disputes and am repeated called at work. 3 days ago, a man used abusive and obscene language with me and even laughed at me. The debt collector called me very aggressive saying they are taking me to court for a XXXX dollar debt.I said I understand I owe you guys I 'm currently going though a financial organization we can discuss a Payment plan in XX/XX/XXXX not right now. He was trying to intimidate me and laughed at me.I told him per my consumer rights per FTC please do not call me during my work hours send me everything via writing so I can communicate it with my financial representatives.And he started going ok with his intimidated psychology, I replied, I 'm busy so I will hang up if you wo n't stop.

Company response to consumer: Untimely response
Consumer complaint received 10-10-2015 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Credit determination

Complaint: I applied for credit with Synchrony Bank XXXX FL and was turn down because their system said my credit score is too low [ XXXX ] this is not correct my score is XXXX XXXX and XXXX XXXX I feel this is Discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX and XXXX I requested a copy of my credit files from each of the bureaus so that I could check my credit after an issue was brought to light by the IRS concerning a judgment which is a result of Identity theft. On checking my reports I noticed that there is account opened with HSBC Bank for over 7 years that is not known to me which is in default and is the reason why my credit is reporting so badly. I need to validate this account. Please ask the company to forward via CFPB all verification documents used to open this account ; signed contractual agreement ; and Identification used to authenticate the account opener.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Payday loan) with TrueAccord Corp. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I am doing the best that I can to pay off this rather small balance to a collection company. Their notes are usually very business liek until the one I received yesterday. Below is a brief section from the note that True Accord in XXXX XXXX sent to me on XXXX/XXXX/16 : " Enough delay. It 's time to pay what you owe. 

Let 's be clear : you have an obligation of {$350.00}. We 've given you many chances to work with us. 

But instead, you 've waited a long time to deal with this. Now, it 's time to fulfill your responsibilities like the adult that you are. '' This note is offensive. I admit the debt but I did not sign up for insults about my maturity or adulthood. This debt has nothing to do with either one. 

Thank you. 
XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so in XX/XX/XXXXthey asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XXXX and another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this 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 01/18/2016 about Mortgage (Conventional fixed mortgage) with GMH Associates Inc. (TN).
Issue: Application, originator, mortgage broker

Complaint: I submitted my loan application with XXXX Mortgage. The loan officer, XXXX XXXX, quit her employment with them and started working at GMH Mortgage. She took my financial information without my knowledge and pulled my credit with GMH. When I was notified my credit had been pulled I called GMH and talked to the XXXX. He assured me the inquiry would be immediately taken off my credit so I told him I would not pursue further action. I just had my credit pulled from another company and the inquiry is still on my credit report. The information below is copied/paste from my credit report. She pulled my credit without any authorization or verbal approval from me to do so. Her XXXX. 

Account name XXXX Date of request XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Address identification number XXXX Comments Real Estate on behalf of GMH MORTGAGE SERVICES LL. This inquiry is scheduled to continue on record until XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have XXXX credit cards with Capital one for about 5 years. A year ago I called to let them know that I was having financial difficulties as my husband had filed bankruptcy. They offered to waive late fees for 90 days, which they did, but told me that was all they could do. I closed both accounts that day. I continued making minimum payments, which covered interest and late fees, for about 9 months, until we were impacted by hurricane Irma. Being self employed and unable to work, I couldnt afford to make minimum payments anymore. I called them to notify them of my difficulties and told them that I could possibly settle with them when I get my tax refund. They never offered me anything. 2 days later, they reported 90 day lates on my credit, dropping my score by XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: in XX/XX/2010 I paid about 40 thousand dollars to Litton Loan Servicing. They were supppposed to apply it to my account but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: After 7 years of me paying my taxes directly to the city XXXX NJ Chase decided to pay the taxes on my behalf therefore creating at XXXX plus escrow shortage thus leading to a XXXX increase in my monthly mortgage payment.  While Chase "investigated" the issue they recommended that they temporarily suspend my auto debit. I agreed.  I was told to make a manual payment.  I went online to make the manual payment and my account presented that I was still enrolled in auto pay therefore I did not make the payment for risk of being charged XXXX at the higher amount. 30 days later I was told I was delinquent. Chase will not amend the reporting. They say that despite representing no change (i.e. still enrolled) in my auto pay status online I still needed to make a manual payment and that I should have called them once I saw the online status.  At no point did anyone in customer service disclose to me that the temporary auto pay suspension would NOT be reflected online and that I should make a payment regardless of the online auto pay status.  I now have a mortgage delinquency reflected on my credit report.  Chase refuses to make an amendment even though this issue was caused by their erroneous payment of my taxes (which has been reversed) and failure to disclose the auto pay suspension status on my account online. It is my belief that Chase paid my taxes knowing that it would create a XXXX escrow deficit which for many would have resulted in foreclosure.   It wasn't until I spoke to multiple customer service reps in their tax department and weeks of investigating the issues was it ultimately resolved.  Nevertheless, they still refuse to change my credit reporting status because my auto pay was merely "suspended" and not "canceled", even though neither was reflected online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: they said I payed my bill before there billing cycle was over, so the payment was used as a extra payment for the month. the following month no bill. when I recived my bill for the following month it had late fees on it. I called them and spoke with a supervisor, they said that was how it works per contract. this happened before and the fixed it. so later that month I did a refinance on my home and my bank took the equity to pay bills off, contacted all the people I owed and recived payoff amounts. what they gave them was what I owed. now the say I owe a late fee and a extra 20-30 dollars more than the pay off. what can I do. thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: Good morning all, I have two credit cards that were opened in my name. These are not my accounts due to someone opened these accounts without my knowledge. I am disputing these charges and the credit card companies are moving forward trying to collect the money owed on the accounts. I have filed a complaint with the Federal Trade Commission. I want these accounts taken off my report as I'm not responsible for the charges.

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 06/26/2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've contacted this company and sent proof of my XXXX to show the debt they seek should be taken up with the insurance company. I 'm not liable for this debt and exempt from collection attempts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: The website only has an option to lock your credit if you provide credit card info. I do not want to sign up for their service.

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 01-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I submitted a dispute on my charge card and advised i did not authorize XXXX transactions that posted on my account. I filled out the fraud dispute form and faxed a copy of my drivers license they have not credited my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I moved to a new apartment. In doing so, I noticed that my social security card missing. I reported the loss to Equifax via telephone. Pretty soon all XXXX credit reporting agencies confirmed receipt of the loss. This XXXX, I applied to a senior housing in XXXX. The application was denied. I did not give it importance. Then I applied for a car loan with XXXX because of their 0 % financing. It was then that I learned that there was a fraud alert on my credit. I had become a victim of my own credit alert. The XXXX reporting agencies never bothered to call me when there arose a credit inquiry on me. I have been prejudiced and was forced to take a 4 % financing on my car loan, instead of the 0 % financing. I am in jeopardy of using up my savings just to pay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Recovery Management (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This is a follow up complaint. I recently filed complaint XXXX to which this company responded by sharing private information about disputes with other companies. I am a victim of identity theft because XXXX companies run by unethical people like Fox Collections rampantly breaks the law with their flagrant disregard for the protections the United States government lends her citizens under the Fair Credit Reporting Act. Following a phone conversation with the Consumer Financial Protection Bureau I am now filing this dispute per their request so they can have official documentation of exactly what happened. You may pull up the previous dispute when referencing this XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Credit card debt) with First National Collection Bureau, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In the process of buying a home and credit report was pulled and XXXX XXXX XXXX was on there from XXXX XXXX. Account has been showing delinquent and not paid however I can not remember ever having this account. Account showing with XXXX XXXX XXXX on all three credit bureau but different last payment dates. I attempted to contact XXXX XXXX at XXXX to verify debt and spoke with XXXX XXXX at XXXX on XXXX/XXXX/XXXX. He informed me that my acct was closed as of XXXX and transferred to a collection agency First National Collections. He could not help me any farther with this debt. That is inaccurate information reporting on my credit report as it shows XXXX XXXX however, it should show on my credit report who I need to contact to verify and validate this debt or make payments. If XXXX XXXX no longer has my records then this contract is voided and I need proof of my contract with First National Collections. I am requesting a verified agreement and signature and update to my credit bureaus with correct information. If verification and validation can not be supplied I am requesting deletion from ALL three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation