milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2017 about Debt collection (Medical debt) with SCA Collections, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was not able to contact the company sca coll. XXXX XXXX XXXX was listed under this collection. I called to take care of this collection but they did not have a bill for me on record. The account was open on XXXX XXXX 2012. The company owed does not have a record of the debt.

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 07/19/2017 about Mortgage (Other type of mortgage) with U.S. BANCORP (WA).
Issue: Applying for a mortgage

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX In XXXX I took out a loan for {$140000.00} with USBANK. This loan when I took it out was a HELOC. ( It was a revolving line of credit. ). Then in XX/XX/XXXXUSBANK converted the loan to a XXXX ( MORTGAGE ) that does not have a revolving line of credit. But USBANK did not amend the DEED OF TRUST that they used to record the loan on title. On XXXX XXXX I applied for a HOME Equity Line of Credit with XXXX. Aproximately 3 weeks later I found out that there was a problem with how USBANK had recorded the current loan ( {$140000.00} ) was recorded on the title of my house. I brought this to USBANK attention right away but they took 3 months getting back to me with a definite answer. They said they had done nothing wrong. Though they wrote me several letters that stated. 1. they had done nothing wrong. 2. They had reported everything properly. 3 That I had a MORTGAGE and did not have a revolving line of Credit. 4 That the mistake was not theres but it was the title company 's ( XXXX XXXX XXXX ) who misinterpreted what they recorded. I have found out that that the only instrument that USBANK recorded was a Deed of trust that clearly states that I have line of credit with a max loan amount of {$140000.00}. This was correct in XX/XX/XXXXwhen it was recorded but when USBANK changed my loan in XXXX to a mortgage without a LINE OF CREDIT there should have been an amendment to the the original deed of trust. As a result of their failure to amend the DEAD OF TRUST. I had my loan with XXXX cancled and had to restart my loan at .25 % higher rate after USBANK finally put in writing that I do not have line of credit and actually have a MORTGAGE. I believe also that USBank has done the same thing to all of their customers who had HOME EQUITY LOANS with them prior to XXXX when they converted all of them to mortgages. I Believe that USBANK should pay the difference in the cost of my loan over the life of my loan. ( {$5300.00}. ) This is the damage that I am incurring as a result of 1. USBanks slow decision making ( 3 months ). 2. The fact that USbank never amended the Deed of Trust to reflect the loan change that they made in XXXX. Sincerely, 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Hello, After the XXXX  data breach, I used the XXXX  website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, XX/XX/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, XXXX, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX - {$5.00}, XXXX - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!

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 09/30/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: I previously submitted a claim : Case number : XXXX. I was not happy or satisfied with Wells Fargo 's Response. They did not address the issue, the only sent me letters explaining the way my account was set up. Never addressed the information protection violation that wells Fargo engaged in when the shared my information with others. Me and my wife have been recovering from XXXX and it was difficult to respond earlier. I would like wells Fargo to admit what they did was wrong, issue a real apology and a solution to recover and correct the financial loss we have incurred due to the sharing of our private information with others. We have been receiving phone calls, emails, as well mail, that seems to be a direct result of information sharing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Conventional fixed mortgage) with ETHOS LENDING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have completed refinancing with Ethos Lending and made our first mortgage payment ( {$3000.00} ) to Ethos Lending on XXXX/XXXX/2016, prior to the due date on XXXX/XXXX/2016. After making our first payment on XXXX/XXXX/2016, we received a letter saying the loan has been transferred to a new lender, XXXX XXXX XXXX, and we should make the payment directly to XXXX XXXX XXXX for the mortgage payment that is due on XXXX/XXXX/2016. However, we already made the payment to Ethos Lending on XXXX/XXXX/2016. Obviously, the new owner of our loan failed to notify us within 30 days of the effective date of transfer. Between XXXX/XXXX/2016 and today XXXX/XXXX/2016, XXXX XXXX XXXX keeps calling me via my personal phone and work phone and asks for payment many times, despite I told them repeatedly that I already made the payment to Ethos Lending on XXXX/XXXX/2016. Yet, Ethos Lending keeps delaying my payment to XXXX XXXX XXXX, despite Ethos Lending previously agreed in its e-mail to forward my payment prior to XXXX/XXXX/2016. XXXX XXXX XXXX continues to make harassing phone calls and severely bothers my daily lives. On XXXX/XXXX/2016, I arranged a conference call between myself, XXXX XXXX XXXX, and Ethos Lending. During the phone conference, XXXX XXXX agreed to forward the payment by XXXX/XXXX/2016, and XXXX XXXX XXXX agreed not to make harassing phone calls to me. However, after the conference call, I continue to receive phone calls from XXXX XXXX XXXX about the late payment. Those phone calls stressed me out. XXXX XXXX XXXX threatens me about how my late payment will affect my credit, and they told me I should keep pushing Ethos Lending to forward the payment. 

Beginning XXXX/XXXX/2016, my loan will once again transfer from XXXX XXXX XXXX to XXXX XXXX. My initial payment of {$3000.00} does not reflect on XXXX XXXX statement. XXXX XXXX XXXX continues to call me about the late payment. Ethos Lending does not pick up or return my calls. What can I do? Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (MI).
Issue: Money was not available when promised

Complaint: Bank will not allow access or app is not allowed access to be able to borrow money

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Customer service / Customer relations

Complaint: I can not log into my account and they will not help

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 08/18/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Other

Complaint: On or about XXXX XXXX, 2015, I was made aware that USAA FSB pulled my credit bureau on XXXX XXXX, 2015 for a credit card application that I was/am a non-spousal authorized user. Per FCRA, this is not allowed. I advised USAA of that on XXXX XXXX, 2015 and was advised to fill out an " official USAA consumer complaint form, '' which I did and submitted to them on XXXX XXXX, 2015. On XXXX XXXX ( late per statute ), I received a response that they would not investigate my complaint as it was " frivolous or irrelevant. '' I want the fraudulent inquiry removed from my credit bureau. Thank you ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with Resolve Partners, LLC (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I leased a home located at XXXX XXXX XXXX, XXXX, NC XXXX. My lease terms were XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I vacated the unit and returned possession XXXX/XXXX/XXXX. I relocated to XXXX, MO and entered into another lease agreement on XXXX/XXXX/XXXX. I never communicated or received any correspondence from the property owner or property management company until XXXX. I learned that on XXXX/XXXX/XXXX, the property management company, XXXX XXXX and XXXX requested possession of the unit through the XXXX County Courts. XXXX XXXX was award possession on XXXX/XXXX/XXXX. I did n't learn of the request for possession, any debt owed nor was it reported to any of the credit reporting agencies until XXXX XXXX, XXXX. More than 5 years later I received a notification from my credit monitoring service that an entry was added to my credit report stating I owed {$7100.00}. I knew immediately this amount was bogus. On XXXX XXXX, XXXX, I contacted XXXX County Courts for a record of what XXXX submitted as damages ( attached ). XXXX submitted to the courts a balance of {$1400.00} for past due rents and late charges ( which I disagree with ). However, they sold my account to Resolve Partners , Inc. and stated to this company I owed {$7100.00} in rents. They provided Resolve XXXX , Inc. an itemized statement ( attached ) stating I resided in the unit for 5 additional months after they had obtained possession from the courts. This is untrue. As I previously stated, I fulfilled my lease which expired XXXX/XXXX/XXXX and moved out of the unit on XXXX/XXXX/XXXX ( lease attached ). Furthermore, why would a property management company allow a tenant to remain in a unit without paying rent for 5 additional months after they obtained legal possession of the unit from the courts? XXXX fabricated the amount of the debt I owed them to be able to sell it at a higher price to Resolve Partners , Inc. Even if I am liable for the {$1400.00} that XXXX submitted to the courts, I was not credited for the {$950.00} security deposit I paid upon taking possession on XXXX/XXXX/XXXX. This would make my balance {$470.00}, not {$7100.00}. I have requested that Resolve Partners remove this inaccurate information numerous times and yet it still remains on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Debt collection (Medical) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I first became aware of the debt when applying for an apartment and as it 's reporting on my credit report it is affecting my ability to get a home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit responding to claim on # XXXX saying that they validated the debt. They did not provide proper validation of the debt and they continue to report to the credit companies. Midland Credit or Midland funding is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been having my mortgage Loan since XXXX, original loanmade as a NON escrow loan. Taxes were added in XXXX, due to adispute with the City of XXXX XXXX. Original loan was made and serviced by America Home Mortgage, they later changed there name to Homeward Residential. In XXXX XXXX the servicing of the loan was transferred to OCWEN Loan Servicing. Ever since XX/XX/XXXXI have paid my own Insurances. In XXXX of XXXX, I received anescrow analysis for XXXX, giving a breakdown of the escrow, with no floodor home owners insurance being collected.In XXXX XXXX, I receivedan escrow analysis, indicating that Ocwen was going to collect forthe flood insurance and my new payment was increasing by as {$450.00}, for a {$1200.00} flood policy. there was no explanationas to why they were doing this, even though they had proof thatflood policy was enforce, with Ocwen as Loss payee. I calledOcwen to inquiry as to why my payment was increasing by $ XXXXXXXXand was just told they were going to start escrowing for floodinsurance. As I explained to them the Original Lender and myOriginal note and Mortgage contractually did not call for an Escrow. 
I was then told to Pay the shortage and send a letter requestingto remove all escrows, which I did on XXXX XXXX, XXXX, and with in XXXX a new analysis removing the escrow and a new payment willbe calculated with out the escrows. As of this date this has not beendone nor has a new analysis been preformed. I have made theprincipal and interest payments as per my contractual obligationson the Note, each month. However Ocwen has posted the paymentsto the Principal Interest and escrows, even though I have spoken tono less then XXXX representatives of Ocwen, only to be told : it is stillunder review, the escrows have been remove, a letter will beforth coming, you are current on your mortgage, we willrepost the payments etc ..., as of this date NOTHING from them. 
Now they are Reporting to the credit bureau that I am {$3000.00}. 
past due, and this has caused some problems. I have NEVERbeen late on this mortgage and I pay my bills monthly. Thiscompany has a horrible reputation for doing very strangethings to people concerning there Mortgage loans, I feelthat they will want to take my property, which by the way is about $ 50,000..Underwater.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is my second time contacting you regarding this issue. My consolidated loans were recently transferred from XXXX to fedloan servicing as the result of my enrollment in the public service loan forgiveness program. During the month of XX/XX/2017 I was unable to send payments to either XXXX or fedloans. Today when I logged on to fedloans it is showing that I am delinquent. I called fedloan 's customer service to have them remove the delinquency and was told that they can only make an annotation that " may '' be resolved in 60-90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX XXXX, NC XXXX and these accounts XXXX XXXX XXXX XXXX and these others XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/18, I reviewed my updates credit report and noticed that XXXX XXXX, XXXX, is reporting twice on my Experian Credit Repoert. Negative information is reflecting twice which is affecting my credit score. I'm the process of closing in my new home.

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 10/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had home located at XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold XX/XX/XXXX. Mortgage was paid off and the line of Credit ( # XXXX ) balance at the home at the time of sale on XX/XX/XXXX was XXXX as indicated in the letter attached issued by XXXX XXXX XXXXthe mortgage account # XXXX for the property located at XXXX XXXX XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XX/XX/XXXX. 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home XX/XX/XXXX and both accounts Balance were XXXX as of XX/XX/XXXX at the time of sale. 
Please correct this inaccurate informationI did submit to you the HUD and Pay off proof dated XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: SOUTHWEST CREDIT CALLS FROM 3 NUMBE RS  XXXX ,  XXXX ,  XXXX . I WANT THE CALLS STOPPED. THIS HAS BEEN GOING ON FOR MORE THAN 2 MONTHS. MULTIPLE CALLS A DAY FROM DIFFERENT NUMBERS.  BILL POSSIBLY  ABOUT A  XXXX  PHONE BILL DEBT. THEY PURCHASED FROM  XXXX . I OWE  XXXX  NOTHING!!!!! THEY ARE CALLING MY HOME PHONE  XXXX  - PLEASE HAVE THE HARASSING PHONE CALLS STOPPED. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for a utility account that did not belong to me.

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 01/21/2018 about Debt collection (Other debt) with REGIONAL MANAGEMENT CORPORATION (WV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I obtained a personal loan in XX/XX/XXXX. The original loan amount was suppose to be {$1000.00}. Yet when I went in the lady told me I was approved for {$5000.00} and that she could n't change it to the amount I requested. She used items that I did n't own in order to show lots of collateral. The loan became past due in XX/XX/XXXX. Since then I have received calls from multiple XXXX XXXX locations and representatives. When they began calling I told them that I could n't receive calls during my work hours, M-F XXXX. They consistently called during those hours. Not once mentioning that this was an attempt to collect a debt when I answered. Then they began calling from multiple local numbers all day. I couldnt distinguish their calls from business calls, interrupting my work day and placing me at a huge risk of losing my job. One representative named XXXX called I stated to her I was at work. I had a call coming in from my landlord and I had to go back to work. She stated what you owe them money too. I told her that she had no reason to make assumptions. When I asked for her name she would n't provide it. I had to call all the numbers they called from until I reached one who told me her name. Although the name provided is a nickname. I 've told them multiple times to not call during business hours. Once I threatened to sue they called before XXXX XXXX on occasions which is also illegal. They also called after XXXX, three times in one hour and still continue to do so. They even called my mother whom they were not given permission to call disclosing my personal information and my debt that I owed them. I 've asked repeatedly for them to not call yet they continue. I 've asked for them to identify themselves and they do n't. Then they jump right in to you owe thousands of dollars and to pay it now. I tell them I dont have it they state well we will keep calling for collection efforts. All in the meanwhile never once saying that this a debt collection effort.

Company response to consumer: Closed with explanation