milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I closed a XXXX account on XXXX 2015 and it is showing a late payment on XXXX 2015. I called XXXX and they said I did not have a late payment and XXXX did not report that I did have a late payment. But XXXX Exuafax and XXXX says I have a late payment on XXXX 2015. I want this cleared off my credit report. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: charged for lenders expenses paid by mortgage company. No summary of payments No credit report of these fees, new mortgage company requested a payoff and received new numbers includin the XXXX lenders expenses paid XXXX Making the new loan amount with the new company XXXX more.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NJ).
Issue: Managing the loan or lease

Complaint: When i had XXXX in XXXX of 2013 i was told that the Care Credit loan was interest free for the life of the loan NOT that it was for a promotional period. the loan changed over without warning and they tacked the interest on the back end of the loan. I want to pay what the balance would have been at the point of turnover. but i will NOT pay the interest. I feel this was a " bait and switch '' deal on the part of Care Credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: APR or interest rate

Complaint: I called capital one concerning a payment that I would be late on. I was told that everything would be fine and not to worry about anything. I made the payment seven days later and according to the conversation I had with the representative online, the fee was waived and my minim payment would not change. I checked online once the new billing cycle was out and I noticed my minimum payment has risen from XXXX to XXXX for XXXX card and XXXX to XXXX for the other. I contacted the online chat and was told to call into Capital One. I called in and was told that there was no record of this conversation and someone laughed in my face. I was continuously told that I was late and delinquent. I explained that although the payment was late, i paid the required amount and I was told the late fee was waived and my minimum payment would not change. I also spoke to management who stated again how late I was. I paid the required and i understood what makes my minimum payment and it did not equal to XXXX or XXXX. I would like to pay my required minimum payment and nothing more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Filing this complaint because EQUIFAX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (TN).
Issue: Account opening, closing, or management

Complaint: companies refused to close bank accounts for three months or more after repeated requests and repeated XXXX balances. sometimes these banks claim pending acount activity when there is none.They refuse to cease all auto drafts of said accounts.This really needs be reported to ftc. They dont want the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: I recently had my small business ATM card duplicated unbeknownst to me and someone went out and made a bunch of fraudulent charges on the is card. When I discovered these charges I reported it to the bank ( Bank of America ) and the XXXX XXXX County Sheriffs office. Bank of America originally credited me for theses fraudulent charges and sent me some paperwork which filled out which included the contact information and case number provided to me by the XXXX XXXX County Sheriffs office regarding these fraudulent charges. Now Bank of America has reversed the credit given to me for the fraudulent charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX XXXX, I spoke with XXXX XXXX with Deutsche Bank regarding XXXX XXXX. He stated to me, to send an email to him at XXXXXXXXXXXX regarding my issue. On XXXX XXXX XXXX at XXXX, I sent an email to XXXX. As of today, XXXX or Deutsche Bank has failed to respond to my inquiry! Please review the email that is enclosed that was sent to Deutsche Bank. Now ; I filed a complaint against XXXX XXXX with the CFPB, case # XXXX. XXXX uploaded a Deutsche Bank loan schedule onto this complaint. This loan schedule reflects that Deutsche Bank loaned XXXX XXXX millions of dollars on XXXX XXXX XXXX. Please review the enclosed document! On XXXX of the pages shows our residence located at XXXX XXXX XXXX XXXX XXXX Nevada XXXX, loan # XXXX for {$460000.00}. NOTE : XXXX XXXX failed to provide assignments and a certificate from the trustee going all the way back to our original lender, XXXX XXXX Mortgage. An assignment ( s ) are used when an investor or bank sells or transfers the asset. A certificate is also issued when an asset is placed into a pool of trusts by the trustee ( XXXX Bank as trustee for XXXX XXXX XXXX XXXX ) to reflect who the current investor is. The trustee will know who to send funds too for this asset being in the pool of trust! As of today, XXXX XXXX failed to provide the documentation that we requested. Now ; since XXXX XXXX provided a loan schedule from Deutsche Bank, we must confirm with Deutsche Bank weather or not XXXX XXXX had this loan for our property! Anyone with computer skills can create a letter head from a previous loan, then remove information and then add the information that you want in order to reflect that XXXX XXXX had a loan for our property. This loan Schedule does not by any means reflect that XXXX XXXX is the current investor. XXXX XXXX could have sold or transferred our note as the evidence that I have in my possession will reflect! XXXX XXXX possibly, failed to create legal documents to show legal ownership of the asset! We request to know if XXXX XXXX had a loan for our property in the amount of {$460000.00} dated XXXX XXXX XXXX, loan # XXXX. We request this information in writing!

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I was a victim of Transunion glitch where they deleted a bunch of inquiries from credit reports, but didn't follow the law when they reinserted those back to my credit report.

In section 611 of the fair credit reporting act it states that anything deleted from your credit report and is later reinserted they must notify you by mail and they did not do so. I would therefore like all of inquiries removed.

Customer service would not take care of it for me. Listed below are the inquiries in question. XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXXXXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX  : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXXXXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiryXX/XX/XXXX XXXX   : Date of inquiry XX/XX/XXXXXXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2017 an amount of XXXX was added to my credit report. This debt was sold to another company and they did not have a proper contract to charge me this debt at all. NO CONTRACT!!!

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 01/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit determination

Complaint: Approximately on XXXX XXXX, 2015, my daughter and I signed up for a Talent Agency called " XXXX '', which charged me {$190.00} to my Capital One account. I then later changed my mind, and told them I was no longer interested. The charge was for a photo session for myself and daughter, but we did not do the photo shoot, and thus did not get any photos. On XXXX XXXX, 2015, I emailed the company, and they responded that there is " no refunds '' which I was not aware of at the time I signed for the {$190.00}. I then contacted Capital One and explained the situation, and they Temporarily issued the credit back to my account. The talent agency then did a chargeback to my account, and placed a rebuttal. I do acknowledge the charge with my signature, however, they sent me copies of some documents. One of the documents did have my signature for the charge of {$190.00}. but they also included a second document, which I did not sign, which acknowledged the " no refunds '' policy. I informed Capital one of the second document which falsified my signature, telling them that the XXXX must have copied my signature, and is therefore not a defense for the talent agency. I did not receieve any thing in return for the {$190.00} paid.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (I do not know) with Wilson, Riley & Associates (NE).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: i have received several threatening calls from this # telling me im facing fraud charges and i have nothing in my credit report with this information. ive asked for documents proving they are a legit company and i get threatened with a court summons

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been incarcerated from XX/XX/XXXX until XX/XX/XXXX. During that time someone using my identity got XXXX car loans from XXXX XXXX. It appears that XXXX was gotten in XX/XX/XXXX and another in XX/XX/XXXX. Upon my release from prison I reviewed my credit bureau reports and found XXXX charged off accounts for these cars on my XXXX bureau reports. Upon contacting the bureaus, XXXX and XXXX immediately removed the items. Incidental to that was the fact that there were other credit accounts taken out in my name which all three bureaus removed and identified as fraud accounts. In the case of Experian while they removed all of the accounts they would not remove the XXXX car loans from XXXX. They have asserted various reasons for not having done so chief among them that XXXX continues to report XXXX addresses as mine when they are in fact not. I have attached a letter from the manager of a post office that Experian continues to list on my file as one of my addresses. You will note that the letter clearly indicates that the box was not mine and that I never had access to or used it. Likewise, after going through many changes I was able to procure a copy of some of the documents from XXXX which purport to have been mine however on the documents you will note that where my name appears it is crossed through, there is no evidence of identification having been provided, no confirmation of insurance by the dealer and a bogus insurance policy number. Likewise, the telephone numbers given for me are not mine and have been proven by the respective phone companies to not be mine and most importantly, on the documents that XXXX has provided, it lists an address that Experian has ALREADY DEEMED TO BE A FRAUD ADDRESS. I have also attached affidavits executed while I was in custody which indicate that I was in custody and that the addresses listed are not mine. In light of all of the foregoing, I believe Experian should be compelled to remove the negative items that it is reporting on my credit report. In so doing they are contradicting their own findings of fraud. The continued presence of these items continues to render harm in terms of my inability to secure employment and the denial of credit. I would ask that Experian be compelled to delete these XXXX items as soon as possible.

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 07-10-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I received confirmation of dispute findings which advised that the XXXX account was going to be deleted from my credit file. The XXXX account was deleted however when I called in to address another concern the supervisor I spoke with put the account back on my credit file. I believe she was upset as I advised her that I would be filing a complaint about the concern I had with CFPB. Shortly after hanging up from speaking with the supervisor I received an alert from one of my credit monitoring services advising that an account had been added. When I checked it was the XXXX account which I had not called to discuss this account as it had been removed. Equifax is in violation of the FCRA as they added this account back to my credit report without advising that this was going to happen. I also have a complaint about the XXXX Dept of Education accounts that they keep reporting an additional {$5.00} to the account balance. I have spoken with the Dept of Education and they advised that they would not update the account as it is in the rehab program. Equifax is updating and changing files without the proper information from the credit provider. I plan to contact an attorney to assist with this violation if it is not corrected asap. Equifax needs to be investigated for their behavior and retaliation against those that call them out on it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX my father refinanced our home to pay off some remodeling debt. He signed this loan not knowing what a negative amortization loan is. Over the years He paid the mortgage on time never missing any payments but only making the minimum payment on the loan, without knowing that the balance of it was getting larger. So then the loan was sold 2 separate times. My father passed away in XX/XX/XXXX and I now have this loan which was automatically converted to an interest only loan with Nationstar Mortgage. I have been living in the house so I continued making the payments till suddenly the payment went from XXXX to XXXX. I do n't know what to do. I called the mortgage company and they told me that if they modify the loan it would only go to XXXX per month. I will soon be getting foreclosure notifications. I asked them if they would take partial payments and they said they would just sit in limbo. I know that Neg Am and Balloon loans are illegal but I do n't know what I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (RI).
Issue: Loan servicing, payments, escrow account

Complaint: I have been working diligently with Nationstar Mortgage on a loan modification. I was given a loan modification but never received any documentation. I made payment in accordance with the terms in the loan modification as required and had assumed that the new loan would be implemented as stated in the agreement. Since the loan mod has been completed I expected the my credit would reflect the change. Instead Nationstar has started over again with threats to my account, has not credited my account t with the loan payments which were made with certified checks and my credit has been damaged by their errors. I believe the firm is trying to commit both credit and mortgage fraud an d I have received not one call or notice regarding the status of my loan mod or what happened to my account to put it in arrears. This is either incompetence or fraud. I need someone to act as an honest broker to address this matter because I can no longer trust the firm. 

I would like to have my loan modification reinstated, my payment credited to my account, and my credit score to reflect that I have made all my payments on time. 

The account number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (I do not know) with Cooper Hoffman Klein Associates (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Have been recieving threatening and rude phone calls saying I owe money on a payday loan that I know nothing about. Said they would put criminal and civil charges on me if I did not cooperate and pay. I told the man I would not pay money until I received a notice in the mail in which I then have 30 days to decide what I want to do. He got very upset about me saying that and said he would add a request to get my license suspended on top of the criminal and civil charges. A few hours later I received a call from the number of the county clerks office and it was a man stating they had received paperwork on my case and I had 24 hours to work things out with cooper hoffman and klein or they would be serving me papers to appear in court. I then called the county clerks office and they told me they had not received anything and there are no males working in their office. Obviously it was a fake call. These people are low life scammers trying to take our hard earned money. They need real jobs instead of trying to take the money I worked my XXXX off for. XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Taking out the loan or lease

Complaint: Lender has a {$150.00} service fee which is added to the finance charge at closing. However, the APR is not adjusted to reflect this. Thus, the APR is incorrect. Also, since the top rate is 27.99 %, adding the service fee would violate usury limits.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with WELLS FARGO & COMPANY (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was surprised when i received the unwanted credit card out of blue which i did not even apply for it. I thought it was because of my good credit score which I have always kept intact and started using it. One fine day when I came back from my vacation it was all used of and it went to collections by my surprise and I have reached out the bankers to get help and they made me pay some minimal amount to get me on track. It did seriously affect my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with Capital Management Services, LP (PA).
Issue: Payoff process

Complaint: I had an account with XXXX and has settled on XX/XX/2016 for the amount of {$260.00}. I continue to dispute this on my credit report which it keeps showing I have a past due balance of. {$160.00}. Evidentally this went to collections with Capital Management Services, then it went to XXXX XXXX XXXX, which I had settled on XXXX/XXXX/16 for {$260.00} of my total balance of {$580.00}. I continue to get bills for {$160.00} from XXXX XXXX XXXX, and this is showing on my credit report that I have not satisfied this account. When I paid XXXX XXXX, I received a conformation # of XXXX, and a reference # of XXXX. I spoke to a XXXX XXXX with XXXX, and was assured I settled this account on XXXX/XXXX/16. It is not showing on Credit Report that this has been settled, and is affecting my credit score. I would like this either removed from XXXX, XXXX, and XXXX, or show it has been paid and settled. I also have a written letter from XXXX XXXX stating they have received my payment in the amount of {$260.00} which was received in their office on XX/XX/2016..the letter states they have accepted payment as Settled for less than the full balance on the account. I want all XXXX Credit Bureaus reflecting this has been Settled! The letter I have received came from Capital Management Services, LLP ... reference # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (TX).
Issue: Trouble during payment process

Complaint: PNC Mortgage raised my escrow amount without submitting a new escrow analysis, in violation of 12 CFR  XXXX. No taxes or insurance premiums have changed, so I believe the change is in error. I have called customer service about this twice on XX/X/17 and received contradictory explanations from the two customer service reps. I then asked to speak to a supervisor, and was told none was available.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Problems when you are unable to pay

Complaint: I was laid off from my job about 2 weeks ago. So I called Chase Auto Finance to see what options I had. But also to see if my loan payment be extended 30 days. Basically, place my next month payment to the end of my loan ; thereby giving me an extra 30 days grace period. My request was denied because I have no job. I XXXX to him that by not granting my an extension, they are forcing me to default and eventually repocess my truck.

Company response to consumer: Closed with explanation