milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan

Complaint: X/XX/17 harrassing calls and threats to myself and friends and family

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: The company formally known as Greentree Servicing LLC, now Ditech Financial, has sent information to XXXX stating that I am late on payments. The account they are alleging is late in payments was closed in 2013 after successful short sale. They sent me notification previously, which I will provide you, stating my account was paid in full and the deficiency was waived. They fraudulently reopened this account previously, damaging my credit score at the time, after which I contacted the CFPB and you ( the CFPB ) were able to contact them and have them send me notification of their erroneous re-opening of my closed account. This should have been an apology, but I accepted their acknowledgement of their error expecting the matter was resolved. Now, again, under the name Ditech Financial ( Formerly Greentree ), they have again fraudulently reopened an account and have sent this erroneous information to XXXX Credit Bureau and are claiming fraudulently that I owe over XXXX dollars to them. 

This is very stressful since they did this to me once previously and now are trying to do it again. I would want them prosecuted and punished to the full extent of the law. They have disrupted my life and caused undue stress and hardship emotionally due to their irresponsible, fraudulent, libelous behavior. Please help me to resolve this again as you did before. I will attach the necessary documents so you can clearly see what they have done. Thank you for your help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX XXXX me and my wife along with a couple of friends took a cruise why on the ship we attended a XXXX XXXX art auction. They offered free art if you apply for a credit card explaining that no strings were attached so i did little did i know about XXXX weeks after i return home they would start billing me for art work i never agreed to purchase .First the company said my wife purchased it using my card then when i explain to them she not authorized to make a purchase using the card i was told because we share the same address they can allow her to make the purchase.When i file a written complaint they attempted to show paper work that forged with a fake signature that not even how i write my name to make things worst they say out of the four pages signed only one has a G as the signature i always use my full name and i would have signed every page of the purchase and not just one

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Dear CFPB, on XX/XX/XXXX we noticed that our Wells Fargo Bank business account had a {$2800.00} amount debited by " RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX '', which we did NOT authorized! We immediately contacted XXXX, and they admitted that this auto debit should NOT have occurred, and we should have the amount credited back to our account right away! However, we have called them everyday since ( because this is causing a significant cash flow problem for us! ), but always been told that " maybe '' in a few day! Which is NOT acceptable! As of today, Monday, XX/XX/XXXX,  the unauthorized amount still have not been credited back to our bank account, we called XXXX again, and now we were told that the credit should appear on Thursday, XX/XX/XXXX? This is totally UNACCEPTABLE! What are our legal rights? And what are XXXX 's legal obligations? For this UNAUTHORIZED bank debit ( or bank fraud? ). 1 ) If we did n't noticed this on our end, this will be buried amount all transactions ; 2 ) once XXXX admitted its mistake, they ca n't just take their time to rectify this error at their leisure! Please advise! 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 08-10-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX student loans defaulted and I have been paying The Law Offices of XXXX XXXX XXXX, XXXX. I paid off one of my loans in full and even have a letter from the lawyers office saying so. It still says I have a balance of {$75.00} on my credit report. I tried contacting the lawyers office and they told me to contact XXXX who has done nothing but hang up on me and say its not their problem. I am not sure what to do at this point to get this off my credit report as everyone is just pointing fingers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Medical) with AR Resources, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Was Covered under State Welfare/Medicaid ( XXXX during a Period of Homelessness. 

( XXXX ) XXXX Florida The credit bureaus have filed disputes, I have contacted the business over the last couple years several times a year to get this resolved with both the hospital and the debt collector. They originally admitted that they had double and triple charged me and this was to be resolved back in XXXX for XXXX. The debt collector said I need to contact the hospital and the hospital said not to worry about it but it still on my credit reports multiple times. All XXXX credit bureaus are working on this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian continues to report inaccurate information on my credit report even after several attempts to correct them. They refuse to fix it. I 've been disputing the accounts of the XXXX for over two years. This is the state government for Child Support, claiming I was late back in 2003. 14 years ago! This account has never been late, ever. 

I even hired a company named XXXX XXXX to help me dispute this, however, it still has not been removed in 2 years. Please help, I have never been late on my child support that this is very embarrassing, showing that I am late on Child Support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I previously had a vehicle with this company. The vehicle was paid for by insurance however this company after a few months reported that I stilI owe {$140.00}. I recently sent them a letter asking for proof of balance. They sent me an unclear printout of transaction corrections that they made on their end with no detailed information. I am requesting proof the of the insurance check and warranty cancellation information. If this information can not be furnished. I am asking this account be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I contacted the collection agency and advised that I have never had XXXX XXXX and that I was a victim of id theft. I advised I never lived in south Carolina and they refused to give me a letter stating that the collection was fraud. And that it was a false account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX 2014 we have made several request to our mortgage company that monthly payment coupons/statements be sent to us for our monthly mortgage payments because since then we have just been mailing payments since no payment coupons/statements have been forthcoming. We have been with this mortgage company for 9-10 years, never having a problem until now. We have made several attempts to remedy the matter only to be told they are coming, and always suggesting we go on-line to make payment or through their automated payment system, which charges a fee. Plus, none of these options are we interested in since we are older and prefer the old method of payment. This concerns us since it seems like they are trying to steer us to on-line payments. Can you please help us to find out what 's going on. We just want to receive paper payment coupons/statements on our account which should be our choice and as a consumer/customer we should be entitled to. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (OR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I have received a letter from the XXXX XXXX XXXX XXXX. They have sent this letter for a company named LVNV funding concerning a debt that was on my credit report in the past and charged off on XXXX/XXXX/2007 according to this letter form XXXX XXXX XXXX XXXX. With that being the case any statutes of limitation has run it 's course. 
LVNV Funding has received letter 's in the past from my attorney to cease collection efforts and they agreed with letter to my attorney. Now they are using this other company to collect an uncollectible debt. LVNV Funding is well aware of this and this is an illegal attempt to collect an uncollectible debt. This is an attempt at scamming me, If I was not aware of the law, I would not know what to do. This company, XXXX XXXX XXXX XXXX does not preform it 's due diligence before it sends out it 's notices. If they had they would see that this is uncollectible yet they try to scam people on a regular basis. I know several people that have had this company try to collect uncollectable debts. They even offer a " convenient '' repayment plan for those that are unaware of the law. 
This to me seems to be in violation of the fair credit reporting act, violation of the Fair Debt collection Practices Act and is probably in violation of Oregon state law as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was recently hacked and after checking their service, i was listed as an affected victim.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Universal Finance, Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOWER LOAN OF MISSISSIPPI, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Tower Loan continues to run a hard inquiry on my credit without authorization every three months. I have no knowledge of this company or any application for a loan ever.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 've received inconsistent information about whether I 'm in forbearance or deferment and they claim those XXXX statuses are " the same '' and neither negatively impact my credit history. I 'm pretty sure this is wrong but I am unable to find accurate information on the details of each. I have also requested to have my billing cycle changed from quarterly to monthly and reduce my payment amount based on my financial obligations to other student loans, instead of processing my request they put me into forbearance/deferment and when I inquired what I had to do successful change billing cycle/payment amount they referred me to the same form that resulted in the forberance/deferment status. I find them very difficult to communicate with and the rare communication I do receive feels like they 're just trying to push me off to either " call the credit bureau '' or " that 's not my department, call this number. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 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 status incorrect

Complaint: I have submitted several disputes online through Experian Credit Reporting Agency, made calls to both Experian and the Department of Veterans Affairs concerning the account, and mailed Experian and the Dept. of VA a letter along with many documents that support my dispute about the account being wrongfully labeled as collection/fail to pay. 
They continue to disregard the documents that both show when the Dept. of VA made reference to my educational indebtedness of {$200.00} and the 30 days I have from the date of said letter ( XX/XX/XXXX ) to pay in full. I paid off the amount in full and received a conformation letter 23 days following the initial letter 's date ( XX/XX/XXXX ) that stated that they received the payment and the account is now PAID IN FULL. Despite having met the terms delegated in the letter, I was reported to consumer reporting agencies on XX/XX/XXXX, which is way before the 30-day deadline. To further support my claim of the Dept. of VA incompetence to provide valid information during the 4 times I've submitted a dispute/investigation against them for the same account ( the last one being by mail containing many documents and a hefty letter explaining the Federal Code of Regulations and the VAs inability to follow it explained under 1.916 ( c ), 1.916 ( d ) ( 1 ), and 1.916 ( d ) ( 1 ) ( i-iii ) ). The first 3 results of the dispute stated that I fail to pay/ '' collection '' for XXXX. The last and most recent dispute I submitted showed that they had changed their minds and moved the fail to pay to the month of XXXX, XXXX, instead of XXXX. However, I received a letter dated XX/XX/XXXX that the account is now PAID IN FULL. This clearly shows that the Dept. of VA has no idea what they are talking about, and have been feeding the consumer reporting agencies ( i.e. Experian ) false/undocumented information/lies. As for Experian, they failed to exert any effort in the MANY attempts to dispute said account, despite me handing them everything they need on a silver platter. Also, the times I called both the Dept. of VA and Experian, the associates were unable to provide an explanation for why the letters that were sent to me said one thing, and the actual outcome that transpired was not in the same ball park.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I get XXXX calls per day from Bank of America 's " Loan Counciling '', which I DO NOT WANT! 
If thats not bad enough, they have also been on my property/s ( which is a big NONO in my book ) hanging paperwork on front door stating same thing ( about calling loan counsling ). They do not have my or my wifes permission to be on ANY of our properties. They also tried to charge us a fee for sending someone " out to my properties '' to hang that piece of paper on front door. Which I will not pay. 
When we answer the phone calls from the loan counsler #, so we can tell them to quit calling! You only get a recording stating - to call the loan counsler! 
We occasionally run late on our loan payments, but never more than 30days, as I get paid XXXX. We have always made our payments and always will, even thru worst of times of us/ America struggling, we have made our payments INCLUDING countless late payment fees. We even get these same calls after Bank Of America has cashed our home loan checks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. I did n't even know that equifax had my information until I checked using their website.
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. Especially when customers ca n't easily tell which credit monitoring companies have your information.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I received an alert from XXXX XXXX that there was a " Hard Inquiry '' on my credit report. There was a hard inquiry on XX/XX/2015 and XX/XX/2015 from XXXX XXXX. I contacted them and stated that I did not apply for any credit, do not have any accounts ( past or current ) with XXXX, and did not authorize XXXX to pull my credit. I was told they could not find an account and to send an email through XXXXXXXXXXXX. This is not a valid link. I would like XXXX to remove the XXXX hard inquiries from my credit report and inform me as to why they pulled my credit report to ensure I am not a victim of ID theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Mortgage (FHA mortgage) with TD BANK US HOLDING COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: I am in writing in response to a letter received from TD Bank on XX/XX/XXXX. Please see attachments for further details. 

This has been an ongoing problem with TD Bank. I have been willing and able to pay my mortgage for approximately over a year and a half at this point. The constant inter-departmental errors and miscommunications which have needlessly prolonged this situation seem to be continuing. 

Detailing the entire history of this account is beyond the purpose of this format. At this point, I am communicating through CFPB as a means of documenting and tracking my correspondence with TD bank. I received an escrow statement and application for CONSIDERATION for a loan modification. I have done this twice before with TD bank. each time, different departments erroneously altered terms due to miscommunications which led to my payments not being applied to my balance and continued foreclosure processing. 

Please see CFPB correspondence from TD bank on XX/XX/XXXX. The representative states that " He [ consumer ] can expect the Modification and Amendment Agreement to be mailed to him under separate cover, no later than 30 days from the date of our letter. '' I have not received any modification agreement to review. Moreover, this is the first letter I have received pertaining to my mortgage in approximately 150 Days, well over the 30 days stated in the correspondence on CFPB. 

My previous experiences have shown that the " modification application '' is a futile pursuit and I will not be expending resources to complete the application. Once again, I am fully committed to meeting my JUST obligations to TD bank and I ask that the bank reciprocate at least by means of clear and consistent communication.

Company response to consumer: Closed with monetary relief