milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MD).
Issue: Loan servicing, payments, escrow account

Complaint: 1. In XXXX 2016 I had a case number on cfpb : XXXX. It seems the case was dropped. I am not sure why. Please advise. 

2. I forgot the password to get access to my account on cfpb. Cfpb does not allow me to get a new XXXX ( but to reset the old XXXX requiring to enter the old password, weird ). Please advise. 

Thank you. 
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 12/28/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MI).
Issue: Managing the loan or lease

Complaint: I am the co-borrower ( as XXXX, not XXXX ) on this loan with my now ex-husband. We 've been divorced for 2 years, however on XX/XX/XXXX, One Main Financial allowed him to do an " Adjustment of Terms '' on this loan, extending the term of the loan to XX/XX/XXXX, 5 years longer than the maturity date of the original loan that I agreed to, without my signature or even my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Debt collection (I do not know) with MRS BPO, LLC (WI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have received two notices from companies claiming to be trying to collect a debt of {$490.00} for a XXXX account. I 've never had a XXXX account. Attached are copies of the documents I received. 

Thank you XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had pulled my annual credit report and seen that I had a debt collection from XXXX XXXX. I sent a letter to the company asking to verify the debt on XXXX/XXXX/2016. I received a letter back including information for XXXX separate debts. XXXX which did not belong to me. They belonged someone with the same first and last name but a different middle initial. The letter included documentation to verify only XXXX of the debts which had an address for the other person. The address listed on the document was not my address and I have never lived at said address. I send a second letter to XXXX XXXX on XXXX/XXXX/2016 asking to verify that this is indeed my debt and why they think it belongs to me. I received a response from XXXX XXXX dated XXXX/XXXX/16 stating again the XXXX debts. They included with this letter a document verifying the other debt and once again there was an address listed for another person. On XXXX/XXXX/16 I sent a complaint to XXXX XXXX stating that are reporting inaccurate credit information based on the documentation previously mailed to me. I explained that I have never lived at either addresses and the person whom they are seeking is not me. I asked that they comply with federal law and remove the debt from my credit reports including all XXXX reporting agencies. I waited over 30 days with no response from XXXX XXXX. I have disputed the debt with all three credit bureaus which have stated that the information was correct and would not be removed from my credit report. I sent a letter to XXXX XXXX on XXXX/XXXX/16 asking to verify yet again that this is indeed my debt. I have not been given a response from XXXX XXXX, and the XXXX reporting agencies have not assisted me in this matter. Please help me alleviate this collection account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (FL).
Issue: Account opening, closing, or management

Complaint: US BANK made an unauthorized credit inquiry to my XXXX credit file

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 03-10-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is aware of status received " Certificated of Lien Satisfaction of Judgment '' with XXXX with their dispute filed on XXXX XXXX confirmation XXXX however, Equifax still refuse to update the derogatory remarks on my credit reporting status " paid on time, account closed with zero balance, or removed this derogatory remark from my Public Records on my credit report. Equifax has received the letter of certificated from XXXX XXXX XXXX XXXX Court with the dispute. 

Equifax refusal to correct the derogatory remark from my public records. Their response " CORRECTLY REPORTED '' WHICH IS VERY FALSE. However Equifax refuse to follow a COURT ORDER Certificate of Lien ACCOUNT HAS BEEN PAID AND SATISFIED WITH XXXX BALANCE ( see attachments ) Due to Equifax refuse to honor or aide this court order has caused damage to my credit rating immediate attention is needed with the correct action taken.l I had send attachment of certificate of satisfaction to Equifax with my dispute about this derogatory remark in my Public Records. 
Please address error to higher level of management I had filed numerous complaints with Equifax and they still refuse to response properly to address this complaint or make update corrections. 

Equifax remarks under Public Records should state : 1 : Account paid on time in full 2 : Account close with XXXX balance Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2016 about Mortgage (Conventional fixed mortgage) with The J. G. Wentworth Company (PR).
Issue: Loan servicing, payments, escrow account

Complaint: JGWenthworth is holding my escrow funds indefinitely and not paying me interest on my funds. I already paid off my loan. Furthermore, they stole {$30.00} as a last bite out of my escrow after I paid off my loan. I believe JGWentworth is violating Federal Mortgage Housing Lending regulations. They are disgracing US service men who are serving or have served their country.

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 07/17/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Customer service / Customer relations

Complaint: Bank of America. I called bank of america to settle a debt and wanted the letter of the settlement faxed over in order to clear the debt due to the fact I am purchasing a home and it is time sensitive. They were unable to fax a letter and when I was finally able to get them to fax it, it would take 24-72 " Business Hours '' for a fax. The representative said that their supervisor did not want to take the call. They were there the whole time and refused to take the call. Spoke to XXXX XXXX, XXXX XXXX, and the supervisor who refused to take the call was XXXX. 24-72 business hours, meaning that I would have to wait the entire weekend to receive a fax is ludicrous and ridiculous. A fax takes 5 minutes to send but they refused to meet my request. Horrible experience and horrible customer service. Bank of America is the worst bank ever. Their representatives talked over me and flat out said they will not help me and were not going to do anything. Do not bank here!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: SLS sent me another request for documents, requesting the same documents which I previously provided several times. I resent those records today, and then sent additional documents. SLS also again personally harassed me today, even after I have reported a similar incident. This morning, a car pulled into my driveway, rang my doorbell and then waited in my driveway for me for several minutes. I went out and asked what was going on, and a woman exited her car and said that she was from " SLS '' and that she had come to see if anyone was living at my home and also told me to call my mortgage company immediately. She also said that she left something on my doorstep. This is the same thing that happened to me a few weeks ago. I asked her if she had ever been at my home before, and she said no, but she looked like the same woman and the same passenger who had come to my home previously. She left me a " confidential '' note on my doorstep, but waited for me to come out of my house to walk up to me and talk to me also. I asked her why she had no identification and she said that she did not have to have any. She had XXXX county license plate number XXXX. She said her name was XXXX XXXX. The note inside says " Urgent Notice : please contact your mortgage servicer immediately, '' but then gives the number which is not SLS ' number. When I tried to contact SLS afterwards, they hung up on me XXXX times, so I could not get through to anyone to see why this had occurred and to ask why I was to contact SLS, and also to ask why I was given another number which was not SLS ' number. This is harassment. SLS has been given my contact information repeatedly. There is no reason for SLS to send persons to come and park in my driveway, wait to confront me personally, and leave me an " urgent '' notice on my doorknob, other than to harass and intimidate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: in 2009 we purchased this home The former owner XXXX XXXX ran a business from it. XXXX, XXXX for XXXX years I have received his mail. As of today he still has the business registered to this address under the state of Pa. I have found the business ID on line and researched it. The state refuses to change the address and claims XXXX XXXX XXXX must do that. This year I found a note in my credit report where I would make a consumer statement not under my employment info stating May own and operate a home business. I do not own oroperate any home business and never have

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I tried to make arrangements with a the hospital to pay this debt and was told no I could not make payments then I was contacted by a third party debt collector to set up payments and then it was put on my credit as a debt. I have made arrangements for monthly payments?????

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Experian and XXXX I did a dispute with for account that show on my credit report XXXX XXXX account # XXXX I disputed this as not accurate not mine and it came back as updated as investigated correct. It stayed on my credit report. so I called XXXX to find out what information they had, I was send to there special accounts dept. they ask my SS #, MY ADDRESS, MY FULL NAME AND THEY HAVE NOTHING on record. So my question is where did these credit reporting agency 's get there information to say it is correct and leave this on my credit report. I would like this off my report it is negative and hurting my credit score. I hope you can help?? 
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 non-monetary relief
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I  XXXX   XXXX   XXXX  have not received my credit report through the mail as requested. I just tried to request it again. I keep getting an interruption that my credit report has already been sent. I have not received my report in the mail as requested by any of the  XXXX  credit bureaus. Please help me get all   XXXX   of my annual credit reports.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WY  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 non-monetary relief
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX {$3300.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS, INC. {$3300.00} I have report your company to  consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 08-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was out of town in XX/XX/XXXX for my birthday only used my card to rent a car and at XXXX XXXX. Capital One sent an email to state that there was suspected fraud on my card which in fact it was. I live in XXXX was traveling in Virginia a supermarket in New Jersey tried to put through a charge for {$100.00} I let Capital One know the charge was fraud, they shut down my card credited the amount back I was just waiting for a new card. I had the new card number and tried to pay a bill but was declined when I knew I had the funds. contact the bank only to be told two different stories. The first is that the recent payment I made was on hold, then that the fraud credit was on hold. I reviewed me account to find out the merchant adjustment the charge on XX/XX/XXXX capital one sent me a letter date XX/XX/XXXX stating they were refunding my account to get it back to normal needless to say they are still holding my money. They have been made whole again I was told they have the right to hold the funds for up to 60 days BUT why when you have been made whole as a bank and are holding my funds for no apparent reason. If they want to investigate the merchant that fine, just remove me and my funds from the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (NV).
Issue: Unexpected or other fees

Complaint: I bought a prepaid gift card and I bought it at XXXX and loaded for {$120.00}. When I tried to activated it shows an invalid card so I called the XXXX number and they said that is was not activated and that XXXX charge me and sold me a peace of plastic. I went to XXXX and I called again from there, after a discussion between XXXX manager and a person from customer service who was talking with his supervisor at prepaid gift card. The supervisor finally agreed and authorized activating this card. I bought this card on XXXX XXXX. And tried to activated on Saturday XXXX XXXX. 

Then today XXXX XXXX i tried the make a purchase In the internet and I got a message of low balance. So I check the balance in their webpage and it showed my card was used at a dollar tree in Arizona when I live in XXXX nevada. 

I called prepaid gift card and they only agreed to file a dispute. And they said they will send me a fax which takes at least XXXX business hours and to send it back will take another XXXX hours. I do n't know if they send the fax on bus or what??. And the dispute department told me it will take at least 90 days to resolve if I 'm right. 

I do n't understand how could they play games with people. When I called on Saturday the XXXX, I had to be on the phone for more than an hour because they said they could not help me, until finally I got them to activated the card by the supervisor and supposedly fixed by the issue. 
Terrible customer support. Now I am without my money until who knows when if they are willing to help me. I do n't know what to do or go to the police or what?? 

I spoke with XXXX XXXX from disputes Please advice

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 01/30/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Using a debit or ATM card

Complaint: My credit/debit card expired in XXXX 2016. I verified an address but made clear mail is to go to XXXX XXXX XXXX Never received card. Called. XXXX, a supervisor refused to send to XXXX XXXX XXXX XXXX, the original agent claimed XXXX did n't allow. That is a false statement. XXXX claimed he could n't as their policy. So, different answers/reasons, which tells me no one is telling the truth and rather is unwilling to resolve the problem. 
I noted nothing comes to house all goes to XXXX XXXX XXXX esp. due to " events '' such as car races, bike weeks, etc. Too much stolen mail in our area. I needed to go to XXXX XXXX XXXX Refused, wanted a physical address and refused using the XXXX XXXX 's physical address where I am allowed to receive general mail or my XXXX XXXX XXXX Thus, they 'd rather harm my credit by demanding send to physical address rather than a locked XXXX XXXX XXXX the XXXX XXXX XXXX. 
Further, XXXX refused to grant me discussion with his manager, XXXX. XXXX Stated had to write legal department to further escalate. I asked for manager and was refused no less than 10 times. He also stated he 'd not be informing XXXX of my request for a call from her. This was multiple times as well. In his attempts to force his way, he did not de-escalate or resolve the situation. Multiple times I asked how they resolve a situation for people in my situation. He stated they did not resolve the predicaments and there is no other resolution. Basically, his way or the highway. 
I asked what happened to people who live XXXX and only have a XXXX XXXX XXXX He claimed they could n't have credit/debit cards. I call this discrimination. They are failing to service people and businesses of whom they 've verified - I had to prove my Fictitious name, I had to prove my identity, SSN when I set up my account and so on. All my other vendors and creditors use my XXXX XXXX including credit and debit card, car loans, etc. 
XXXX also stated they had no procedures or policy in place for people in my situation who needed to use the XXXX XXXX XXXX Thus, they have no ability to meet the " mailing '' requirement as part of communication mandate to a client/customer. 
Also of concern are issues from past calls last fall when I 'd get agents in the XXXX who refused to transfer calls to the XXXX when requested. They stated they could n't do so. This is blatantly wrong. Not to mention any and all credit card/debit card discussion takes place in the XXXX call centers per PayPal 's XXXX policies. Several of those calls were related to credit card/debit card issues, other calls were not. 
Wasting time writing legal teams should not be the only answer to obtain an current credit/debit card. People and or Businesses should not be discriminated because they have a XXXX XXXX XXXX Manager discussions should not be refused.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Payday loan, title loan, or personal loan (Title loan) with PNC Bank N.A. (OH).
Issue: Charged fees or interest you didn't expect

Complaint: The bank purchased insurance on the vehicle when I had insurance on it. Now they are trying everything to incorporate the cost of the insurance into the payment of loan.

Company response to consumer: Closed with explanation