milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2017 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Delinquent account

Complaint: I settled a debt with BARCLAYS BANK DELAWARE thru their Collection Agent XXXX XXXX XXXX XXXX. My original debt was around {$2300.00} and we agreed to settle for the amount of {$930.00} three monthly payments were deducted from my bank account ending in XXXX. This account was paid per settlement agreement on XX/XX/2016. I was aware and accepted that I will receive a XXXX at the end of the year to report on my Federal Income Tax. The issue is that I have, is that BARCLAYS CREDIT CARD refuses to update this account as settled and paid with the XXXX major credit bureaus. I have sent them letters and called but they still have not complied with my request. As of XX/XX/2016 on a recent credit report pulled by XXXX, this is the information that states related to my account : " ACCT SUBMITTED TO COLLECTION ; CUSTOMER UNABLE TO LOCATE SUBJECT ; CHARGE OFF CHRG {$2300.00} ; CLOSED BY CREDITOR ; PAST DUE PAST {$740.00} ''

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Since letters dated XXXX XXXX ( signed for certified mail XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) I 've made multiple attempts to correct errors on my credit report to include 1 ) correction of name and address on my report as XXXX XXXX XXXX. I provided a copy of my Drivers License, a copy of my SS Card, a Utility Bill, but Experian has failed to make the name correction. There are variations of names listed on my credit report that Experian refuses to remove as they are not my legal name nor do I receive any bills or mailings under those names. 2 ) During the months of XXXX and XXXX I sent certified letters again XXXX XXXX XXXX XXXX XXXX XXXX ) to Experian in regards to unverified accounts ( which was submitted in the XXXX letters ) with incorrect account information reflecting on my report. I ask for Method of verification not consenting to any means of automated verification. I asked for the name, address, and telephone number of each person contacted regarding the accounts reported on my credit report which was during a reinvestigation period with Experian and yet again Experian has failed to provide such information and failed to make the necessary corrections. Repeatedly Experian has and are now liable for willful non-compliance and have violated the Fair Credit Reporting Act. I have ask that the misleading information be deleted and a corrected credit profile is provided. 3 ) I have placed a freeze on my Experian report dated XXXX/XXXX/XXXX because of Experian 's repeated willful non-compliance to name correction and providing method of verification of incorrect data on my file I want to ensure as well that no information on my report has been released without my authorization. Experian is now beyond 90 days to make the necessary corrections since the first two letters signed for on XXXX/XXXX/XXXX which is proof they are willfully non-compliant to properly make corrections according the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL).
Issue: Money was not available when promised

Complaint: I sent some money to my mother on XXXX, through the account transfer feature on the Money gram app. As of today, XXXX, the money has not been credited to her account. I have reached out to money gram on different occasions to let them know this money has not been received. To that, they have told me that the issue is not with them, but with the bank. 
They recommended that I work with the bank to resolve this issue. The bank confirmed today that they had not received the money, so I am very frustrated!!! 
I had asked Moneygram on XXXX to send me the details of their contact at the bank so that I could reach out to the officer to help resolve this issue. They told me they did not have any details and insisted that I should resolve the issue myself. 
I have never dealt with an organization that would be so nonchalant about something this serious. Both parties in this transaction, the bank ( XXXX XXXX XXXX XXXX ) and Moneygram are not willing to help resolve this issue. 
Please if the Bureau can help I would really appreciate it because Moneygram is taking their fiduciary responsibility for granted on this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: hi my name is XXXX XXXX, and I have been a customer of capital one for over a year, I had my identity stolen, and I reported this to my local police department. After viewing my capital one statements, I noticed alot of fraudulent charges were on both of my credit cards that I hold with CAPITAL one, so I called to report these numerous of transactions, I was told bye Capital One team members, that they would do an Investitation, for 30 days and they would then refund me my funds, however they only refunded a few fraudulent charges per card, after calling them numerous of times, But still they have not refunded me for all fraudulent charges, but they advertising zero fraud libility, this is false advertising, however Capital One changed my credit cards numerous times after the fradulent activities had already taken place. This is totally not fair to me as their customer, to continue to pay for these fradulent charges.Everytime I contacted them about these charges, they told me that they would have a team member of their management to contact me, but unfortunately no one never called me to resolve this matter I am very upset with them, I am XXXX, and is not able to keep paying these fradulent charges. I continues to make my monthly payment to them on time, so it would n't damage my credit anymore than it has already.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with PAYPAL HOLDINGS INC. (OH).
Issue: Transaction issue

Complaint: Purchase several items with my PayPal account and found they had put it on a PayPal Credit Card I had no idea was issued to me with a high interest rate and then tried to charge me late fees. It took me 3 months to get the mess straightened out and several phone calls. I paid off the card in full and told them to close the account. Then they had the late fees hanging out there and I had to contact them again to drop the charges. What a mess. I will NEVER do business with them again. What a scam, naming a credit card the same name as PayPal but with the word Credit after it. I already had a credit card linked to my PayPal account and the whole time I thought I was charging things to that credit card only to find out it they had changed my " method of payment '' to PayPal Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We Made 2 separate payments to XXXX separate Loans to Ocwen Loan Co. in XX/XX/XXXX. Both payments were cleared by our bank. Ocwen says they received the payments through their lock box system but never received the funds, so they refuse to credit our accounts. We have sent copies of the cancelled checks and all the proof they have required, but we are still getting default notices and constant harassment. We have spoken to their various departments and now trying to get them to sign a fraud investigation form from our bank so we can recoup our money and resend them our payments. We are getting nowhere. We are very concerned that this effecting our CREDIT RATING and noone will address this with us. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Equifax on XX/XX/XXXX regarding multiple inquiries on my see it report that I have no knowledge of authorizing. Prior to calling Equifax, I attempted to call all businesses listed in the inquires with no information available on inquiries or accounts. I asked Equifax to start an investigation on the inquiries I did not authorize, and to delete them from my credit report, due to them being fraudulent inquiries. Equifax denied helping me with this process and said they can not do that. 

Inquiries : XXXX XXXX-XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX.XXXX.XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: Loancare Services has serviced my home mortgage for more 30 months. I do not know the exact date when they took over servicing the loan. 

I have typically logged in to make payments each month. In summer 2017, there was a problem with the website, and I had to call in. During the conversation, I gave authorization for a monthly payment. The account # routing # used in that transaction was incorrect. I have no idea where the source of the incorrect number - either I gave them the wrong number, they entered a number different than the one I gave them ( over the phone ) or some other error occurred. That should not have been a big problem - mistakes happen. 

However, I was never notified that the transaction failed. The next month I went to make another payment, and discovered that I had been locked out of the website. I called again, and discovered the problem. I requested at that time that they get to the bottom of why I received no notification or alert to this clear data error. 

My payment was not made the following month as well. I can not provide the exact sequence of events, but there were multiple calls both to un-lock the website access and to make the payment. 

After 2 months, we realized that the account number in my record was wrong. We fixed it, caught up all payments, and have been OK since. I have also since set up auto-debit on their site, for the amount of their invoice each month. 

There were two {$110.00} ( that seems pretty outrageous!! ) late charges, which I disputed. Though I never head any conclusion from the dispute, there is now, and has been for 2 months now, a {$270.00} " late fees '' charge on my statement ( which I never receive, but which is available for me to download from the website ). If I call and go through the phone payment process, the total late fee amount is {$220.00}. Who knows where the other {$50.00} comes from. 

It is unclear to me why they did not just charge me the late fees ( they have ACH authorization to charge the amount of the statement ). This seems wrong to me, particularly in light of the fact that they don't send me statements. 

This month, the final straw was that I received an alert that Loancare had registered a 60-day late with credit agencies, indicating I was {$4400.00} behind. This is false, and outrageous. That's where I stand today. 

Loancare 's inaccurate credit reporting has cost me >100 points off my credit scores, and is blocking a home loan approval for a new home I have been trying to purchase for 6 months now. I have engaged a credit repair firm who has gotten their marks removed from XXXX, but the other two still show this inaccurate info, including the most recent incorrect report. 

Before I hire a credit attorney to pursue damages and compel removal of this incorrect information, I thought I'd give you folks a try. I'm optimistic.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Two issues. 

1. Unknown address listed under my previous addresses : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Ive never lived in VA. Do not know whose address this belongs to. Please remove from my report. 

2. Report is still showing XXXX XXXX as my current employer, however I have been at XXXX XXXX  XXXX, XXXX since 2014. Please correct. 

I have attached screenshots of the issues on my report. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Telecheck/TRS Recovery is blocking me from using my checking account. On XXXX XXXX, 2016, a check was written to XXXX. XXXX drugstore had a power outage. Put check through twice, but later canceled second charge for {$100.00} for same items. Telecheck/TRS Recovery has issued false report so it can make money that is not owed. XXXX drugstore is aware, but claims it has no control over Telecheck/TRS Recovery ( First Data ). I need a resolution that will remove the block and stop the phone calls daily from various anonymous or hidden numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Upon trying to obtain a credit report at a car dealership, I was told I am reported as deseased through at least XXXX credit report company. After contacting them, they stated that my former bank told them I was dead and only the bank could undo the issue. I have tried writing to my bank 's credit compliance division ( as there is no phone or email contact info ) with no response.

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 01/23/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Carrington mortgage services LLC and had an overage in my escrow account. I was behind on my mortgage so they would not return it to me ( the overage was about the same as I owed ) I just went through a loan mod so I am not behind anymore and the money is gone. I am told that they used the money in the mod because I was behind. I would n't of had to do a mod if they would have done that in the beginning. I asked why they did that I was under the impression that could n't be done. They put money in my FHA overage that I have to pay at the end of my loan. I asked for a breakdown of the money used and no one can give me one it 's over {$2200.00} and no one can show me where my money went. I did n't think a loan mod cost anything out of pocket until the end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with AFNI INC. (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Afni calls about 10 - 15 times per day. They have contacted everyone I ever called from an XXXX cell phone SEVEN years ago stating Im at risk of imprisonment from falsely using XXXX and they need me to contact them. This is unacceptable. I DO NOT owe XXXX money

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was not able to obtain my free annual credit report from Equifax XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: XXXX IS REPORTING XXXX XXXX ON MY CREDIT REPORT. I HAVE ASKED FOR VALIDATION OF THIS DEBT IN WRITING TO ME FROM XXXX. THIS ACCOUNT IS PAID IN FULL AS A TITLE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Debt collection (I do not know) with Associated Collectors, Inc. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This debt collector put negitive information on my credit report without my knowledge. I asked them to send information that gives them the right to collect and the contract and the original amount between them and the original bill company. They refuse to show me that. For all i know they could habe bought the debt for XXXX dollars and tring to charge me full price of XXXX. Nothing I have shows a contact that they have the right to this debt. After all this they keep messing with the balance and rising it. There only verification was a copy of the medical information that was from the hospital. Its my understanding they are breaking Hippa laws. I did not give them the permission to view these medical records and what happened in the hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Inaccurate account appearing on my credit report the account. The account is past the date of first delinquency and needs to be removed. Account is a XXXX  acoount # 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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian online submital is impossible to use. I tried 4-5 times and always had to start over. 

XXXX dispute link does not open. Could not open a dispute. 

XXXX is good.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX 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 02-05-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage originated with XXXX Mortgage and was transferred to servicing by Bayview Mortgage a couple of years ago. At that time, within a couple of months, my XXXX ARM ( with XXXX remaining years on it ) was modified to interest only payments based on 40 year payout without my permission or consent. When the 10 years was up and my mortgage was set to adjust ( downward due to lower interest rates ) I sent Bayview a qualified Respa complaint insisting that they adhere to the terms of my loan and give me notice 60 days before adjustment to XXXX XXXX XXXX 1 year rate + 2.25 % margin rounded to nearest 0.125 %. The interest was I was informed changed from 6.625 % to 4.625 % based on 20 years remaining ( not XXXX or XXXX ) because it " could n't change more than 2 % on any single adjustment ''. I had made payments of principal in advance and for a month they moved my money around in and out of different categories from escrow, to interest, to payments and it took them over a month and several phone calls for them to finally get it right. Then, all of a sudden my interest rate went down to 3.375 % with no explanation. I paid XXXX, XXXX and XXXX payments. I went to pay my XXXX payment ( in advance as I do when able ) and all of a sudden my interest rate is 3.875 %. It seems Bayview changes the terms of my mortgage and interest rates willy-nilly with no consent, notification or explanation. I am worried the next adjustment ( s ) will be detrimental, as they do not follow what is written in my " note ''.

Company response to consumer: Closed with explanation