milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fay Servicing, LLC (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX, I requested an investigation with XXXX XXXX into my Fay Servicing account,  because as of XXXX XXXX, XXXX a mortgage modification was done but the account continues to show negative information ( delinquent payments and past due amount ). After a modification is done the account should show current. The investigation came back with no information being changed. A second investigation was requested on XXXX XXXX, XXXX, and as of this writing the account still stands in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After checking my credit report i have found a total of XXXX hits on my credit report. I have not done business with this company, i have not signed any papers with them, nor do i owe them any money. These results are incorrect and need to be removed immediately

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 01/26/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XX/XX/2016 I submitted a complaint about my student loan with Sallie Mae bank. The case number to XXXX is XXXX. I do not believe the response from the company was truthful. In their review of the case Sallie Mae referenced XXXX phone calls that were on recorded lines, XXXX was on XX/XX/2016 and XXXX on XX/XX/2016 On these phone calls the company said that they did not intend to harass me or my parents into making payment and the " consequences '' of not making a payment. They furthermore said that the representative informed me that that both loans would not be included in my repayment plan which they did not. I am writing to request Unedited Transcripts or recordings of these phone calls be sent to me directly. I believe that would settle the issue of wrongdoing.

Company public response: Company disputes the facts presented in the complaint
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 EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Here 's my cleaned up version : 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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: I am writing this complaint due to Experian not responding properly with my request to have credit inquiries removed and certain accounts on my report that I do not have a contract with nor can they provide proper documentation that they accounts belong to me. I did not authorize these inquiries and they are still showing up  on my report as well as the accounts and I have tried to dispute this over 3 times. I get the same response a few days later. Which further tells me that they have not verified these inquiries or account and keep sending me a generic response. I have recently submitted another dispute and if this complaint does not work I will be submitting a complaint to the BBB as  well as contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someones credit or adding accounts to their report is for a firm offer of credit, insurance, employment or court order, or if the account has been proven with contract to be mine.

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 12/17/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OR).
Issue: Fraud or scam

Complaint: was issued a check via mail, to deposit into account for a sale made through internet- the check cleared - on request have a XXXX made for amount of fee to be sent to XXXX party. - on doing so ( XXXX XXXX Me ), the purchasing party pulled/ declined payment on their check - taking from my account amount paid out on money gram.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: my husband at the time had left me and my son. ive been trying to get help through bank of America since he had left, we had gotten divorced after. so ive been wanting to stay in our home and complying with every effort to save my home. its been three years that ive been jumping through hoops with bofa and they denied me any type of help! They would rather see me and my son out on the streets than to lower my payments. they told me Ido n't make enough money, nah really, that 's why I 'm asking for help! There has got to be something somebody can do to help me save my home ive sent them the divorce papers and even gotten his name off of the deed so they can just by my income .... ive talked to them on and off just about every week sometimes even two times a week crying and pleading for help XXXX they just do n't care about really helping out their customers I know several people who Bofa has turned away. so I 'm stuck possibly getting kicked out! they told me I was approved for a short sale, so if somebosy offers to buy my home for say XXXX still liable to the rest and still be XXXX out of luck with no home for my teenage son and I!!!! but yet they say if we can be of any help you have our phone number so call us if you need us!! haha what a joke

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 07-07-2015 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Problems when you are unable to pay

Complaint: I have received text messages that I never authorized. The text have threatened repossession. I have received emails threatening repossession. I had been in a bankruptcy at which they contacted me while I was in it. Received a text and a voicemail back to back. I have email and text saved

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 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: Account status incorrect

Complaint: There are wrong information in my report : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "   XXXX   XXXX   XXXX   XXXX   Account #  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 01/29/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (AZ).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX Received an Annual Escrow Disclosure Statement stating there was an escrow shortage amount of {$640.00}. The escrow shortage could be paid in full ( {$640.00} ) or paid over 12 months with an additional increase in the monthly payment of {$53.00}. We have chosen to pay over 12 months. When double checking the new amount due on line the payment increase was {$160.00} not the XXXX, a difference of {$100.00}. 
XX/XX/XXXX Spoke to XXXX XXXX at Shell Point. She or her manage were not able to explain the difference. XXXX XXXX of Shell Point initiated a complaint be filed on my behalf. She would not give me a time reference for a response from Shell Point. 
XX/XX/XXXX Next mortgage payment is due in 2 days and unsure of how much to pay, feel as I am being over charged and at their mercy. 

Shell Point mails out mortgage statement on the XXXX of the month for the month they are due. My mortgage is due on the XXXX of the month. Yes I understand their is a grace period, I pay my bill on the due date. 

I have an excellent credit score and have never in all my many many years have had to deal with a mortgage company that is so confusing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Consumer Loan (Vehicle lease) with Muskegon Car Credit, Inc. (FL).
Issue: Managing the loan or lease

Complaint: I, m paying XXXX a month for 41 months on a 2007 XXXX sport vehicle think this is excessive The company I make payments is Orbit Leasing INC. XXXX, mi XXXX. VIN # XXXX Please look into this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: PayPal Calks numerous times a day every day, even after stating amount due will be paid in full, before end of month. Never leaves messages either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2015 about Student loan (Non-federal student loan) with Southern Credit Recovery, Inc. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a collection on my credit report in the amount of {$1900.00} from XXXX XXXX XXXX. I was informed that it was a debt from XXXX XXXX XXXX, An institute located at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in which I attended and XXXX on XXXX/XXXX/2012. I could n't get any documents showing how I owed the money and I could n't see how it would be possible anyway because it was paid 100 % through XXXX or XXXX. My last term I received a {$9000.00} through XXXX but only needed {$3000.00} so {$3000.00} was taken and the other {$6000.00} was declined. My books and all were included, I received my diploma, and my transcript and now I have this Credit Recovery company with incompetent people who can give me any paperwork stating how I owe this, they 're just saying its a debt I have and it needs to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax merge my credit report with someone else then refuse to take the inquiries off. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Bankruptcy

Complaint: The derogatory Bank of America Credit Item on all XXXX credit reporting agencies is incorrect and inaccurate. This credit was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/2013 XXXX XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: please see complaint XXXX. Midland funding attached a fraudulent certificate of summons. the summons shows that they swore under oath to serve a XXXX XXXX XXXX XXXX woman XXXX in height. I am almost XXXX XXXX XXXX and nearly XXXX '' furthermore no one lived at my previous address but myself and my now XXXX XXXX XXXX son, they have lied under oath in order to get a default judgement. in a previous complaint they indicated that this is for a XXXX credit card yet in a XXXX response they submitted false docs showing compute equipment. they have yet to verify the other midland funding account yet it has been reported on my credit report for years

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In year XXXX, I had taken a loan amount of {$62000.00} to open up a restaurant in New York. Initially I was delinquent on my payments because my business was n't doing good. In XXXX, I was approached from debt collector company called XXXX XXXX XXXX XXXX ( Bank of America ) and was given the chance to consolidate {$60000.00} of my debt to {$21000.00}. I took the opportunity and paid off the debt in the following two years. I have a settlement letter and bank statements showing that money was taken out of my account. Two weeks ago, I got served with a Foreclosure notice from Debt Collector company XXXX XXXX XXXX XXXX XXXX ( Bank of America ) requesting an amount of {$62000.00} to be paid off or they will foreclose my home to collect the debt. I want to file a complaint against XXXX XXXX XXXX company for attempting to collect debt that was already paid off.

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 02/17/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: I have a credit card with Citi Bank. 
I travelled to the XXXX in XXXX XXXX. 
I had a car crash there and I was hospitalized. 
I could not make any contact with any of my US banks for several weeks and could not make payments ( for 30 days ) to XXXX accounts. XXXX with Citibank simplicity credit card and XXXX to XXXX XXXX XXXX auto car loan. 
In XXXX XXXX, I returned to the U.S. after extensive recovery. 
I Spoke to both companies. 
XXXX XXXX 's Vice President of Operations - XXXX XXXX XXXX - understood my situation and acknowledged it was a mitigating circumstance, that I was NOT under financial hardship ( as I have paid religiously on time for several years without one single missed payment ). hence XXXX requested from the credit reference bureaus to rectify and remove the delinquencies from my credit report. The delinquencies have since been removed and reflected in my credit history and credit score. 
Unfortunately, Citi bank credit card department ( and their credit dept. + policy dept. ) refused to take into consideration any of my mitigating circumstances and refused my request. 

Their reason was : " its not a Citi bank error ''!!!! 

This is very unfortunate despite being a loyal customer with them and had never previously missed a payment on my credit crd with them prior to my car accident. 

And just like that, without any common human decency or appreciation for what I went through in the XXXX, they flat out behaved like a heartless robot and kept the delinquency on my credit report. Now this is hampering my ability to borrow or use my credit history. 

I ask for you to investigate Citi banks policy regarding this unjustified flat out refusal to help me restore my credit history to its pre-accident state. To help me, their customer, when I needed them most. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX my mother was clinically diagnosed with XXXX XXXX, her drivers license was taken away and she became unable to care for herself. Immediately following this diagnosis, my mother became a victim of XXXX, fraud and identity theft. In XXXX XXXX XXXX of my sisters took advantage of my mothers illness and applied for a reverse mortgage through Wells Fargo Bank. 

In XXXX I filed an official police report on my mothers behalf. A warrant was issued for my sister, but she fled the State. My sister fled to another State, where she was eventually arrested, convicted and sentenced to federal prison for several financial related crimes that she committed in several other States. 
In XXXX I became my mothers court appointed conservator and guardian. For the past 3-years I have been cleaning up the mess that my sister and other siblings have caused. 

I have written Wells Fargo numerous letters regarding this case. They have not even considered my mothers illnesses, nor have they even bothered to investigate this matter on their end. I was able to receive a full copy of the original reverse mortgage application. The loan documents are a clear indication that my mother was confused and did not know what she was signing. This is evident by the fact that several times she signed her name wrong, signed her name in the wrong place, and or did not sign all of the required documents. 
In my opinion the notary and or loan officer should never have proceeded with the process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with BARCLAYS BANK DELAWARE (DE).
Issue: Late fee

Complaint: Barclaycard must have initiated a change in their fee waiver policy/strategy that no longer treats customers fairly. They have firmed their stance that regardless of loyalty to brand, credit worthiness or payment history, they will not waive fees that are not a bank error. This stance is unfair and disparate treatment ; if I were stop paying my monthly payments and allow my account to fall delinquent, I would be rewarded by various payment programs that would reduce my interest, zero it out all together OR, waive fees. IF your stance is to only waive fees in the instance of a bank error, then this stance should spread across all lines of credit whether I am a customer for 10 years and never went late, or a customer who is 100 days late. To further exacerbate the change in policy, the customer service agents are ill equipped to deal with the push back customers who have faithfully honored their terms and agreement are more than entitled to give. In the past, instances of oversight or in my case, Tropical Storm XXXX taking out my power, our requests have been reviewed levelly against our payment history and previous fee reversals. On XXXX/XXXX/2015 I called to request a courtesy reversal of a fee that posted to my account at midnight on the date of my payment due date. I explained to the representative that I was unable to schedule my payment on the website or even by phone because I had no power. There were many news bulletins, warnings for my area and expressed power outages in my area. My payment was scheduled at XXXX the very next day when I saw that power was restored. My payment was technically XXXX hours late. Despite my explanation and the absence of previous fees, I was treated rudely, placed on extensive holds and ultimately hung up on by the agent. This behavior is unacceptable and unfair to customers who have no idea that a change in policy has been implemented. If this is the way Barclays intends to proceed they need representatives who can better communicate this to customers who deserve the benefit of the doubt ; especially when customers who do not honor their terms and agreement are given leeway that contradicts what I was told on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I looked at my credit report the other day and noticed that there was a new account on it. It only showed up under equifax and has not shown up on trans union. The new account does not belong to me. It is a XXXX XXXX XXXX credit card that was opened in 2004 and has a balance of XXXX, with a previous balance of XXXX. I have never banked with XXXX XXXX XXXX, do not have a credit card with them, and do not have an account that dates back to 2004. This card does not belong to me, but is showing up on my credit report. I am worried that this was cause problems and would love for this issue to get fixed asap. I appreciate your understanding and help with this matter. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (MI).
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: On the XX/XX/XXXX I submitted a request via telephone to XXXX credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which XXXX 's response to my request is that XXXX 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. Transunion is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation