milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Have been doing this with Experian since last year - I have attached the previous disputes like requested. I have specifically asked that I be sent valid proof that these accounts belong to me. Not a piece of paper that states that it has been updated. I was verifiable proof that each account that I have been disputing is 100 % mine and accurate - If that can not be given in the time frame of the 30 days that are permitted, then each and every account that can not be verified needs to be deleted from my credit file immediately.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: In the process of obtaining a XXXX-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>XXXX purchase in XXXX, XXXX - it was traded in without a single delinquency in XX/XX/XXXX With that said, the Equifax, XXXX and XXXX credit reports each contained XXXX single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to Equifax, XXXX  and XXXX. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the Equifax, XXXX and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the Equifax, XXXX and XXXX consumer reporting agencies immediately dropped more than XXXX points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to Equifax, XXXX and XXXX to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with Equifax, XXXX and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Medical) with Seattle Service Bureau, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been contacted many times by National Service Bureau ( I believe it is XXXX ) on XXXX XXXX XXXX. 

- They have called me many times stating that i owe a debt from a medical injury in 2015 that I paid at the hospital at the time of treatment. They refuse to look into this. 
- They have stated that they 've sent me many letters that i have n't received and when asked to send again they have n't sent - They have tried to pressure me into paying this by stating that my debt is incurring interest for every day that i do n't pay them - They have refused to provide more information about their company and if they 're legitimate - They have been unprofessional in their approach ( the person on the phone has used pressuring language and sighed and complained when i 've asked her to tell me more about who they are )

Company response to consumer: Closed
Consumer complaint received 01-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: I opened a new Chase checking account at the XXXX XXXX, FL branch on XXXX/XXXX/XXXX. I had an offer for {$150.00} incentive for a new account. Yesterday XXXX/XXXX/XXXX I received a new coupon for a {$300.00} incentive for the same account I opened. I called customer service today to see if this can be credited to my account and the representative told me she did not handle that I had to go to the branch directly where I opened my account but XXXX did not foresee any issues with my request. I called the XXXX XXXX branch where I opened my account and spoke with the branch manager who said I was unable to get the additional incentive as I am past a 21 day period where this change is allowed. I find this to be wrong as I am a new customer who wishes to have an ongoing relationship with Chase and they can not override this issue? This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MI).
Issue: Account opening, closing, or management

Complaint: My name is XXXX XXXX XXXX. I 'm a bank customer of Wells Fargo Bank. In XX/XX/XXXX with absolutely no action taken on my own, XXXX offered me an automatic credit increase of {$300.00} on my credit card. I had taken out the card in XX/XX/XXXX/XX/XX/XXXX with a {$1000.00} security deposit. After XXXX consecutive months the bank returned the deposit, when I never asked them to, nor wanted them to. My intention from the start was to build my credit. Which I feel I have done after making approximately XXXX consecutive monthly payments on this credit card account on time!!! In XX/XX/XXXX of this year, I telephoned XXXX and spoke with a banker/supervisor about receiving another automatic credit limit increase, since not having received XXXX in 4 years. I was told by the banker that I was correct and was in line for such a decision. He also told me I would hear from the bank the following month ( XX/XX/XXXX ). I waited until after XXXX, and when I did n't hear from the bank I called them. That call was with a banker/supervisor, also. Diuring that phone call I was lied to, and told that no automatic credit increase review was forthcoming. The supervisor confirmed the bank does in fact have a random system of selecting card holders for credit line increases. But when I asked for the criteria which card holders are selected this person kept repeating there was none! That it 's all done randomly. My response was, does n't the bank think XXXX consecutive timely payments counts for something? The supervisor said the decision was random. Because the bank could not account for the criteria used nor explain why I had been lied to not once but twice it was clear to me I was the target of discrimination. Furthermore, the supervisor alluded to the bank secretly pulling my credit without my permission. Listen to the tape XXXX, becausr the conversation was recorded. You have an unexplainable discriminating process snd you 're secretly pulling my credit. There should n't be a random system that does n't reward customers likee that has made my credit card payments on time every month for XXXX or XXXX years. No lates. No over the credit line charges. This is the bank making decisions about my account illegally. Otherwise, how is someone expected to elevate their credit?

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a bunch of hard hits on my credit that I have no clue How they got there or gave permission

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 06-07-2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Due to family medical issues I did not make monthly mortgage payments for about a year. Recently, I was able to find a buyer on the home and the only thing delaying the closing is the payoff statement. Twice the bank provided an expired payoff statement, which I can not use. I called the Bank 's attorney and the direct me to the Bank. I call the Bank and they direct me to the attorney. I would think not being paid for a year, the Bank would be eager to get its money.

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 02/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: On XXXX XXXX 2016 I received a alert regarding that my score went down. When I checked there was a Hard Inquiry done on my Credit Score done by XXXX which I have n't authorized either requested any product from this company. Also this hard inquiry took my score XXXX points down. I request to revise it since this inquiry was not requested or authorized and restore my score. Also I have to mention that Transunion still has not removed old closed accounts from my Score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (OK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This is apparently a debt owed by my husband 's son XXXX XXXX. They call almost daily and I 've told them he 's a XXXX yr old man who does not live with his daddy. They call from XXXX. They said they are with XXXX in XXXX Mass. although that is not a XXXX area code. Address I was given by a XXXX was XXXX XXXX XXXX XXXX Mass. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I have had my wages garnished starting on XX/XX/2015 for the debt in question. I have almost paid off the entire amount, as of a few days ago I checked the court docket site and the company is trying to do a bank attachment for the full amount! I have almost paid it off through the wage garnishment, I have proof via my pay stubs. Also they have filed a lien on my house as well. Seems as though they are trying to triple collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am willing to settle the debt at {$10000.00} under a 24 month payment plan of {$430.00} per month beginning on XXXX XXXX, 2016. I have been paying {$250.00} per month for the past 14 months. Navient had previously offered to settle at {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Struggling to pay mortgage

Complaint: I have a mortgage from XXXX XXXX which is administered by Ocwen. I have an XXXX from XXXXXXXX XXXX University which was ranked # 14 in the country when I graduated so I understand financial instruments. I have a buyer for the house, but instead of the amount owed being a Current Principal Balance {$46000.00}, Ocwen said it was {$58000.00}. I was alarmed because my expectations were the balance is less on an early pay off. I questioned the account manager and here are some of the charges that were either ambiguous by name or just false. {$250.00} for house appraisal, never happened never heard what the established value was. The list went on {$2700.00}, {$160.00}, {$1200.00}, {$160.00}, {$17.00}, {$19.00}, {$700.00}, {$400.00}. I had him stop there.
I had to press him extremely hard to find out all my options. At one time upon their own volition they did a " streamnline mortgage ''. I neither ask for it in writing or verbally. I missed a XXXX payment, but made the XXXX payment. In XXXX I tried to make a payment, but they refused to accept it stating I was over 89 days past due. In an earlier conversation the representative told me specifically you now do not get locked out until 120 days past. This was again corroborated today XX/XX/XXXX. The XXXX payment should have been accepted by Ocwen but  they created a false prohibition using a previous policy that had ben modified. I was then told I was not eligible for HAMP after XXXX XXXX? I have a buyer that will take the property and the balance will be paid. With the additional {$12000.00} they have become reluctant and Ocwen has served me with papers fron the sheriff. This is highway robbery made up fees and charges for things never done or without clear definitions of these fictional charges No explanation. I need 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I am one of the unfortunate people who was affected by the recent Equifax hack. Equifax confirmed my credit/personal information was compromised. ( XXXX/XXXX/17 ) I am deeply disturbed by this lack of security and will take any and all steps possible to hold this company responsible as well as to protect myself in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (I do not know) with Gordon, Aylworth & Tami, P.C. (OR).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The caller violated FCC regulations by " installing '' a voice mail when I have a unknown number human test in place to preventing access to voice mails without announcing their name to a machine. This process will show a missed number so XXXX  can block the unknown number. Unfortunately, they used an illegal tactic to bypass calling and leave a voice mail directly. I am considering to pursue a class action. This is the first of such a type attack I have gotten on my phone. These vultures need to be abolished from the earth. 

Machine translated speech : XXXX XXXX is the name of the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MN).
Issue: Closing on a mortgage

Complaint: In XXXX 2017, we applied for a mortgage with USAA. We were pre-approved and needed to sell our home before moving forward with the home we were purchasing. Our contact at USAA pushed us to send them the contract for the new home so that we could get our rate locked. We later found out, because we did n't sell our house soon enough, that our rate lock would be expiring and we would have to pay to keep it. Luckily, we found a buyer and were going to close on the sale of our home just in time - XX/XX/XXXX and our rate lock expired XX/XX/XXXX. We were supposed to be able to close on both homes the same day. A week before closing, we find out that the appraisal had to be revised because it included separate land that could not be included in our loan. The appraiser still got the lots incorrect on the report, missed updating the purchase price, and did n't get the documents uploaded as needed. All of this took about a week and so we had to push out our closing date. I told XXXX at USAA I wanted to close by the XX/XX/XXXX, but then we found out more mistakes were made : XXXX incorrectly entered our email addresses for us to get the documents to sign, we had to submit a correction on the city of the property because it did n't match the zip code as USPS has it, we needed updated bank statements because suddenly we owed more money than they expected - many, many things that could have been caught BEFORE we were in the final week of closing. The biggest issue that we had was USAA sent me the " final '' closing disclosure on Friday XX/XX/XXXX, 3 days prior to closing, as was required. I called on Monday to understand why we suddenly owed {$2200.00} at closing, which increased from {$1100.00} the last time I spoke with XXXX, and he told me that still was not the final version and that we would be getting a {$3.00} check back at closing. WITHIN HOURS of that conversation, he called me back and said that a mistake was made. They did not get an updated property tax statement since taxes were paid more than A MONTH earlier and so we would owe {$1400.00} at closing. THEN, the day of closing, I received notice that they were calculating our monthly insurance rate incorrectly and both our monthly payment AND costs due at closing would increase to {$1900.00}. ALL of these changes were being made within the 3-day window of closing, which I understand, is not supposed to happen. We were all over the place with our closing costs and I am EXTREMELY upset about the whole experience. AND I paid 2 weeks  of rate lock!!!!! Because of their mistakes!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CO).
Issue: Trouble during payment process

Complaint: My mortgage was purchased by SLS lending. They had been given the incorrect address by the previous company a nd there was a delay in payments being made directly to SLS. As payments were being made to the previous lender the account was kept up to date. Once the error was realized I reached out to my previous lender and was given the SLS conta ct information. I called them on  X/XX/17    ( loan was sold on  X/X/17    ) and set my account up with my correct contact information. At this time I asked what amount needed to be payed to get my account in good standing and the current balance paid. I was told an amount by their customer service rep and I paid this using their website that was received. On   XXXX   I received a call from SLS asking when my  XXXX  payment would be received. At that time I said " I 've already paid it ''. The representative on the phone was not able to research but said that the payment I made was not sufficient to make the   XXXX   payment. After researching myself I have found ov er one  and half mortgage payments were put towards my principal even though I had outstanding payments to SLS. They have charged me " late fees '' and " property inspection fees '' due to my supposed late payments. The amount they have received since  XXXX  has been sufficient to keep my account current but they are incapable of applying the funds correctly and then ask for further payment. When contacting customer service today  (   XXXX  ) to inquire about the property inspection fee I was told it was an inspection of the property due to the late  XXXX  payment ( which they had received via the previous lender ). I was being transferred to an account  executive b ut instead just hung up on. The service reps are no help and give me incorrect information.

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 05/17/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was only able to make a partial payment told them they said okay. They still call m e 5 p lus times a day. I have told them when I can make a payment. Less than a month away. They refuse to stop calling they ask me to borrow the money pawn something.

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 11-11-2017 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: Credit inquiries on your report that you don't recognize

Complaint: XXXX reps will not help me remove an inquiry for a credit card after they canceled the application. 

XXXX website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the XXXX credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another XXXX credit card rep and they told me to talk to XXXX regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. XXXX rep told me it would be fine and I could pay for it now then change the order to the XXXX  card when I received it. 

Called XXXX credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that XXXX remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Student loan (Non-federal student loan) with MOHELA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I consolidated a portion of a federal loan to a private loan for a better rate in XXXX. The company I consolidated this loan to was XXXX ( XXXX XXXX Bank ). My loan was then transferred to a management company called MOHELA XXXX of XXXX. There were many issues with XXXX and a number of errors that occurred during the transfer to MOHELA. Two things have not been corrected. One - the transfer from XXXX to MOHELA now shows my original balance with XXXX to be double the amount I actually owed ( owed approximately {$100000.00} ; now shows {$200000.00} ) and they have not corrected this with multiple requests and even their acknowledgment by phone that it was incorrectly doubled. They have not given me a print out of the payment history of the XXXX account from the original consolidation in XXXX to the transfer to Mohela in XXXX - these records were wiped clean with the transfer. 
Sincerely, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation