milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: well some time in XXXX I called the mortgage which is wells fargo to ask how much would it be to add taxes and home owner insurance to the mortgage and they said they would check and see and get back with but when they got with me it was a statement with the new payment amount with taxes and insurance added in so they never got back with me to see if I wanted to take it so they added it with out permission and now they are saying they can not remove it and not adding my payments to 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 explanation
Consumer complaint received 08/19/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Settlement process and costs

Complaint: While using Quicken Loans to finance a second home I feel the terms of the loan were not fully disclosed to us. While at the title company closing on the loan we discovered we had not actually put down 20 % as we had wanted. Also Quicken gave us a loan with Lender Paid Mortgage Insurance without our knowledge. Due to a number of factors we did sign the paperwork for the mortgage. Quicken has admitted to us they did not disclose to the LPMI and say they will refund the bulk cost of it. However I am of the opinion our interest rate suffered due to the fact that we did not actually put 20 % down and had LPMI. We had the funds and wanted to put down 20 %, therefore I 'm not willing to pay a higher interest rate compounded over the life of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are several late payments from the months of XX/XX/XXXX to XX/XX/XXXX that are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft. Equifax,  XXXX , and   XXXX   refuse to remove fraudulent inquiries from my credit report and I am attaching  XXXX  copies of their responses to this complaint along with yet  XXXX  police report and notarized letter disputing the inquiries.   They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I made a call to XXXX  about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  Ran unauthorized inquiry on XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/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 12/13/2015 about Debt collection (Medical) with Capital Accounts, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received letter from Collection agency called " Capital Accounts '' and then received a phone call at my workplace. 
I did not receive any letter, bill or any kind of communication from the Dental service provider " XXXX '' since XXXX 2012. The services were rendered in XXXX 2012. I paid over {$1500.00} Cash and rest was supposed to be paid by my insurance. 
According to Capital Accounts I owe them around {$2300.00} According to " XXXX '' I owe them around {$1500.00}. 
Why XXXX XXXX not contacted me ever and I received a sudden letter from collection agency after 45 months. 
I believe that either I do n't owe them anything or XXXX failed to file claim with Insurance Company in timely fashion and now trying to make me pay for their mistake Or there are some kind of fraudulent activities going on somewhere in the pipeline since XXXX Office never contacted me about any Insurance Issue at that time and now 45 months have passed. 
I would appreciate if you can step in and investigate since they are threating to destroy my credit with Credit Bureau. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (IL).
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: Dear CFPB. I am really disappointed with the result of the recent inquiry/problem with the citi card reporting me to the credit bureau. I did speak with their representative XXXX XXXX XXXX. She insists that, after requesting paper statement, later on I REQUESTED PAPERLESS STATEMENT. THIS IS A LIE! As well as she said that they sent me a text messages! Another lie! From XX/XX/XXXX to XX/XX/XXXX I did not pay bill, because I WAS EXPECTING BANK STATEMENT. Which never came! I just had XXXX (! ) being charged there, so, I forgot. At that time I was distracted as well. I had very serious personal problem. So unfortunately, I forgot to DOUBLE CHECK my statement online. Which I admit I should have! That is why I am BEGGING YOU, please do n't let them get away with the lie! She said they called me MULTIPLE TIMES! Maybe! But never left a message!!! IT WAS UNKNOWN to me number so, I did not pick it up! When I finally picked up and found out what was it all about, I PAID THE BILL IMMEDIATELY!!!! PLEASE! We, consumers are at the mercy of this financial institutions who time and time again love to rip us off at every opportunity there is!!!! I do not consider this as a fair solution. I have also mortgage with the citi bank. As soon as I pay my mortgage off ( which will be in XX/XX/XXXX ) I am closing my business with them!!! Very unfriendly!!! Unfair institution!!!!

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 06-12-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2013, Ocwen stopped accepting my payments. They told me I had XXXX balance in my account, and that there was nothing else to be paid, so they would no longer take any payments. 

I continued to make inquiries about the payments for 2 whole years. I retained lawyers in an attempt to get information from Ocwen on either how to proceed with payments or how to get my name cleared of the debt. Ocwen never once replied to me. Their customer service, when I called, alleged that the XXXX balance was due to a change in websites, but never solved the problem of not accepting my payments. 

For the past 2 years, Ocwen continued to tell me I owed them money while refusing to accept payments because their computer system told them that I owed no money. Ocwen continued to accrue interest and other charges onto my account. 

In 2013, I only owed XXXX on the home. Now, Ocwen alleges that I owe them {$78000.00}. They cased the problems, they refused the payments, and now they want to take a windfall of {$22000.00}. 

I filed complaints with the Attorney General of Florida, to which Ocwen finally responded. 
In response to the complaint, Ocwen offered me a loan modification agreement ( attached to this complaint ). Ocwen wants me to pay them {$900.00} a month, and wants to raise my principal balance to {$78000.00}. They filed a foreclosure against me and are attempting to take my home. 

It 's absolutely unconscionable for a large corporation to simply artifically raise my debt by {$22000.00} and then attempt to coerce me into making payments by threatening to take my home, when all of this has happened because they were unable to solve a very simple mistake that they made.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Consumer Loan (Vehicle loan) with OpenRoad Lending (GA).
Issue: Shopping for a loan or lease

Complaint: This company is another example of dishonesty and fine print manipulation i filled an application to refinance my car within minutes the shared my info with XXXX different companies after i saw that i never wanted more then one hard click on my credit i looked them up on XXXX and it appears this is very usual for them to do this caused my credit to drop XXXX point please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (I do not know) with Atlantic Recovery Solutions LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Atlantic Recovery Soulutions ran my credit report without my permission. I have never heard of Atlantic Recovery Solutions before nor have I ever done business with them. They are flagrantly violating the Fair Debt Collections Practices Act with their illegal and deceptive debt collection tactics. I do n't want any communication written, telephone, or any other method from Atlantic Recovery Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: MY CREDIT REPORT WAS PULL BY A COMPANY THAT HAD USED IT IN THE WRONG WAY, AND NOW THIS EFFECTING MY SEARCH FOR A PLACE TO LIVE.SO I NEED EVERYONE TO KNOW THAT THE CREDIT REPORT IS FRAUDAUL DO TO MY IDENTITY WAS STOLEN BY A PROFESSIONAL HACKER, AND I AM HAVING PROBLEM WITH THE CREDIT REPORTS WITH A XXXX CREDIT BUREAU, I WOULD LIKE THIS TO BE PUBLISH

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 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: American Express sent me a credit card which I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been pregnant for the past 3 years. I have only went to XXXX XXXX. This company saying that I owe them and I never went there. It says it was open on XXXX 2015 well at that time I had medicaid and all doctor visits would have been covered. Plus I have insurance of my own with my job. I told them multiple times this is not my account. However they keep reporting to my credit report. When I know that it is against the law to do. With death validation and if they do n't have all XXXX legal binding documents which I know that they do n't because it 's not mines.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2017 about Mortgage (Conventional fixed mortgage) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I had contacted you back in XX/XX/XXXX regarding the lender ( Union Bank ). 
My husband was very ill and I was taking care of him in this what I call it our XXXX. At that time, my lender was XXXX Bank and XXXX who decided to obey the new law and lower my XXXX % interest rate down to XXXX %, which was supposed to last until XX/XX/XXXX I kept paying my loans every month and on time. Union bank took over the previous bank and I kept paying on XXXX % interest until I contacted them on XX/XX/XXXX and asked about whether my loan is changing and they replied, over the phone and without any documentation to confirm that my principle has been extended to the year of XX/XX/XXXX and the XXXX which is a Home Equity is extended to XX/XX/XXXX. I was relieved when I heard and without asking for confirmation about the Phone conversation. 
I am a widow and my husband has passed away in XX/XX/XXXX, I have contacted this bank and asked if they can reduce my monthly payment and live comfortably. They denied helping me. Any time I asked for help, I heard them telling me either to go Reverse Mortgage or liquidate my home. I feel this is a matter of discrimination agaist me because I have no husband and I am in my XXXX 's. 
Instead of lowering my monthly payment which was around $ XXXX, they surprised me on XX/XX/XXXX, with a XXXX package in front of my home and being addressed to my deceased husband without my name on it and they raised my rates and my monthly payments asking me to sign the package and return it back to them before XX/XX/XXXX or else the loan will go up to XXXX % automatically. I called them and told this is totally illegal and I am being harrassed by this. Their response was that they were being audited and found out that my loan was supposed to change to XXXX % and they missed it and they wo n't charge me for repayment of XXXX years that I was on XXXX %. They did this so they know I wo n't be able to afford this payment so they can foreclose on my home. I have paid enough money in this house during my husband 's illness and death and now I have his survivor 's and pension income and I am a full time worker on a minimum wage. I feel I am being taken advantage off since I have no husband to support. I am qualified to lower the monthly payment and keep my home and not interested in Reverse Mortgage or being thrown on the street ( Foreclosed on ). 
XXXX XXXX 
XXXX CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with World Omni Financial Corp. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have XXXX inquiries on my credit reports dates XXXX-XXXX-17, and XXXX-XXXX-17 which I do n't recall authorizing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: MY NAME IS SPELLED XXXX XXXX I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND CREDIT REPORT. ON MY ID MY ADDRESS IS CURRENT THATS THE ONLY ADDRESS I EVER HAD IN MY LIFE ANY OTHER ADDRESS SHOWING ON MY CREDIT FILES ARE FRAUD, ALL OF THE PHONE NUMBERS ARE FRAUD ALSO.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Other debt) with NRA Group, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Attempting to collect a debt XXXX in bankruptcy, refuse to remove negative credit reporitng.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are fraudulent accounts appear in my report, please investigate them :   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 09/17/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I WAS WORKING PART TIME AS A SINGLE MOTHER AND I HAD NO MEDICAL INSURANCE FOR YEARS.

Company response to consumer: Closed
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Equifax states if is likely my personal information was stolen during their recent ( XXXX 2017 ) breached. I have worked so hard all my life ( XXXX years! ) to keep my information private, and to keep my credit score high. All my information is now out there for use against me including my address, my social security number, and my drivers license number. They are offering an apology and identify protection ( faq.trustedpremier.com ) but I am reading in the paper that if you agree to accept their 1 year protection, I am agreeing to arbitrate this mess out and I do not want to cut out my ability to sue them should i choose to go that route. I 'm so angry I could just spit. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: Credit Acceptance corporation as a collection agent called too many times in a harassing way. My purpose after much research and development to dispute credit data ; derogatory remarks, credit reporting, correct and or inaccurate citations reported by creditors and its responsibility according to Consumer Credit Reform Act XXXX, against namely Credit Acceptance Corporation. I submit to you in writing, obtaining and annotating this data also makes XXXX, XXXX, & XXXX  consumers. 
It is unfair to me that some aspects are reports and others are not. Fair in my opinion, would be " removal those negative citation " and here 's why. Any Perspective businesses, creditors, employers alike would be prejudice to this report. XXXX XXXX XXXX said " an unfair law is no law at all ''. In this matter we must remove this report lest we fall in violation of C.C.R.A. Consumer Credit protection Act XXXX. Insomuch we both want to be honest brokers ( XXXX, 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 03-03-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Settlement process and costs

Complaint: In case # XXXX, SPS cites a clause in the original note that supposedly gives permission to pay off a superior lien, but the clause also states that the first lien must be in default, which my first mortgage was not. I was in no danger of foreclosure by XXXX XXXX. 
Therefore, the " protective advance '' was a cash out refinance, entitling me to a three day right of recision. Also, I was never given any documents itemizing ANY disbursement of funds, which is also a RESPA violation entitling me to an extended right of recision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status to 180+ days late and my score dropped. XXXX will not remove these paid off accounts and they added false info when I filed a dispute. The same loan is also on my reports multiple times. I dont know where to turn.

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 02/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with M&T BANK CORPORATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016, I sent by certified mail/return receipt requested a request for information of the identity, address and other relevant contact information about the owner of my mortgage loan. The certified main was delivered to M & T Bank on XXXX XXXX, 2016. M & T Bank acknowledged receipt of my information request on XXXX XXXX, 2016. I have not received a response to my XXXX XXXX, 2016 request for information.

Company response to consumer: Closed with explanation