milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!

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 07/26/2016 about Credit card () with IMC Capital, LLC (GA).
Issue: Unsolicited issuance of credit card

Complaint: I received a letter in the mail today with a credit card attached. It came in a regular white envelope and informed me that I need to activate my account through XXXX. It states there is a 0.0 % introductory offer. It gives a phone number to activate the card. The available credit is {$150000.00}. It states the member since XX/XX/2016 and valid through XX/XX/2016. On the back of the card there is nowhere to sign the card and there is also no CVV number. It offers a phone number or website to activate the card. There are two names listed on the card.

Company response to consumer: Untimely response
Consumer complaint received 07/27/2015 about Student loan (Non-federal student loan) with Asset Recovery Group, Inc. (WA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I had a loan with a XXXX college in OR state but have been sent to collections because I have had a hard time paying my loans. Recently I missed XXXX non-consecutive loan payments and they are threatening to garnish my wages at XXXX the monthly loan amount. I can hardly ever get ahold of them and when I do, there 's only one lady who I can speak to about it and she is very difficult to deal with. I just want to set up a payment that I can afford. I do n't know where esle to turn. Any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. 

In attempts to clear my credit I requested assistance to the CFPB and completed and forwarded XXXX fraud packet as requested to XXXX the original creditor as well as the police report and too date, I have had no response or communication from the original creditor or its collection agent and its still being reported by XXXX ; XXXX and XXXX credit bureaus. 

My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

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 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Best Buy credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments

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 02-11-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter from XXXX XXXX XXXX : Current Creditor XXXX XXXX XXXX stating that I owe XXXX. They informed me that because the Law limits how long you can be sued on a debt XXXX XXXX XXXX will not sue me and will not report it to any credit reporting agency. So XXXX XXXX XXXX has placed this account with XXXX, they are asking for XXXX XXXX time payment and the matter will be closed. I am a XXXX employee whose data was hacked twice, This Debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: On XX/X/2017 I traded my car in that had an existing loan with Wells Fargo Dealer Services. I was never late with that loan, paid extra every single month and directed all over payments to be put into principal ... ..that was never done. I have a fico score of XXXX when I applied again thru Wells Fargo Dealer services for a new loan on a XXXX XXXX XXXX. Wells Fargo, knowing my excellent history with them denied my loan on application no XXXX ... .the dealer submitted my application and was just as astonished as I was to be denied. Further, I have a fraud alert on my account, Wells Fargo never phoned me to inquire about the alert. The denial is based on pure prejudices. I have no late payments at all for over 6 years. They said they denied ( without observing the fraud alert ) on : 1. Age of past or present credit experience ( did not bother them previously ). 2. Excessive number of trades recently opened ( what does excessive mean? more than one? ). 3. Lack of trades reported recently (??? ). 4. Insufficient revolving credit limits. All of this is so wrong, but mostly, my history with Wells Fargo shows my loan and payments were not handled properly by Wells Fargo. They were not applying over payments to principal, they just would keep reducing the amounts of my future payments. Mostly, denying my loan when XXXX approved me, XXXX XXXX ( which I have the loan with ) approved me, and 2 others approved me. Wells Fargo has a terrible reputation, but something is seriously wrong with their judgement.

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 01/26/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We attempted last year to get a modification and after months of stalling on Bank of America 's part they offered us a modification which was higher than our current payment. We declined after which we received numerous paperwork stating what our new payment was to be including an escrow account, which we do not want as we have never had one and handle the taxes and insurance on our own and have never had an issue. They have now paid our insurance and taxes and not credited our account with any payments towards principal and interest for the past three months. They have also reported us to the XXXX credit bureaus as having late payments even though our mortgage actually was discharged thru Chapter XXXX bankruptcy in 2008. Now they say we can not get rid of the escrow because we are " late '' on payments. Also we can not go outside of Bank of America due to the late payments appearing on our credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The payments that I am being required to pay, I can not currently afford. I have been trying to get an income based payment plan set up for 1.5 years now and the company will not send me the paperwork. This is absolutely ridiculous. I want to get my loans paid off but I can not afford the large payment. I have called them over 8 times over the last year and a half. And every time they say they will send me the paperwork but I've never received it. Every time they place my on forebearance and collect more interest. I have asked if I can fill it out online and they have told me no. I finally logged on and found the paperwork. So they intentionally lied about that just so that I would be accumulating more interest. I just think this is absolutely absurd and thought it should be reported. This is happening to borrowers all over and should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Bank account or service (Checking account) with Comerica (MI).
Issue: Using a debit or ATM card

Complaint: someone transferred money from our savings account into our checking account and then used our debit card at a XXXX XXXX in colorado {$770.00}. Comerica 's fraud department contacted us 1 hour after the fraudulent transaction occured to notify us. The fraud department submitted our claim for the money to be reimbursed to us. We had to take our computers to XXXX XXXX to get cleaned. We received a letter from Comerica where they state they are denying the reimbursement of the stolen money to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with First Investors Financial Services Group, Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/2016 an unauthorized inquiry was placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I 've called XXXX now to PennyMacLoan Services to get my monthly statements corrected. They send the monthly statement towards the end of the month, the payment slip that I un-attach to send with my payment is for the previous month. Example : the statement that I received at the end of XXXX that was supposed to have the payment slip say Due XXXX/XXXX/2015 for the XXXX 2015 payment says XXXX/XXXX/15. It 's like they are a month behind. 
I 'm not behind on ANY of my payments. I 've called them XXXX and no change. 
Also, I spoke to a rep today at Penny Mac Loan Service and I 've never ever made a payment on the phone and somehow, they have someone else 's routing information on my account and the rep asked me to give her my new routing numnber and account number. I got suspicious and I told her that i would send a cashiers check instead.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with Collection Bureau Incorporated (ID).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Saw a massive hit to my credit report with my free yearly credit check. Says Collections ACTIVE. <P/>Date reported is XX/XX/XXXX on the credit report. ( Illegally reporting false debt ) Date on Court documents states XXXX XXXX XXXX. ( I'n my eyes ; Submitting False Evidence ) Debt Collector notified me of intent to collect, I disputed the debt. They claimed it was valid and we went to court. <P/>Oregon Case No. XXXX Collection Bureau , Inc vs Me ( Defendant ) I won in court, having the entire amount dismissed with prejudice. <P/>Now some time has passed and come to find out they violated the FDCPA by reporting to Credit agency XXXX. From case notes provided by Collections Bureau Inc for Case XXXX ( XXXX Oregon ) Collections Bureau Inc Claims debt was assigned to them on XX/XX/XXXX, a day after they reported it to my Credit Agency Damaging my credit. Upon getting notified of their intent to collect I refuted it 's validity and even won in court at a later time. They did not remove their collection notice from collection agencies and illegally damaged my credit rating. Unknowingly I have suffered with a lower credit score that may have affected my purchases interest-rates and that of my student loans seeing they are on variable rates. I contacted Collection Bureau Inc today XX/XX/XXXX, informed them of the situation. They transferred me to legal. I informed legal of the situation and they stated I must dispute the claim if I do not want it on my credit report. Seeing they illegally reported against my credit and refused to take action to remedy the situation ; I am reporting this to Consumerfinance.gov I'n hope to prevent future person ( s ) from having to deal with this agency. <P/>At this point I retain my rights to prosecute for damages or any other issues relating to this case. I 'm 100 % sure if they wish to contact me with an public apology, that they still have my phone number. In the mean time I have disputed the claim on my credit report and hope to see this issue resolved quickly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (ID).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: The last statement I received was datedXX/XX/XXXX from Citi Bank Visa. <P/>I would like to ask the Consumer Financial Protection Bureau to interceded on my behalf. I have been trying to get a final statement from Citi Bank since my wife 's death XX/XX/XXXX. The account was since closed and credit cards were cancelled on that same date. <P/>On XX/XX/XXXX, XXXX XXXX XXXX Hospital, XXXX, Idaho issued a credit of {$3600.00} to XXXX 's account. At no time did Citi Bank acknowledge that the account was closed and the Visa card was cancelled since XX/XX/XXXX. XXXX XXXX XXXX Hospital has contacted Citi Bank and requested the return the funds to no avail. Citi Bank has failed to respond to me of the hospital as of this date.

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 01/26/2017 about Debt collection (Auto) with ALLY FINANCIAL INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have reported to ALLY numerous times concerning false information. ALLY has failed to provide proof of the information they are reporting as a 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 10/31/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (VA).
Issue: Money was not available when promised

Complaint: Hi I sent money to my relative in XXXX only $ XXXX on XXXX XXXX, XXXX. As per promise of Western Union they did not get money until now. I contact with them last night and call them many time since today morning but still they did not solve the problem. Therefore I request you to please help me for resolving this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (FHA mortgage) with PNC Bank N.A. (PA).
Issue: Application, originator, mortgage broker

Complaint: Well earlier this year I purchased my first home. I used PNC Mortgage as a my lender. That was a huge mistake. I found the house I wanted in XXXX XXXX, and decided to push the closing all the way back till XXXX XXXX 2015. Just because I was renting at the time. First PNC told me that I could not have a close friend give me gift money, then actually after the closing they told me I could have had a close friend give gift money. Also the closing did not happen on the XXXX. The day before the closing the underwriter misplaced paper work and stated they needed additional information for the closing, so I went to my other bank and gave all the bank statements and the my parents ( who gave some gift money ) had to run to their bank and do the same thing. I was never told about my parents having to hand over months and months worth of bank statements till the morning before the closing. Then 2 hours before the closing the realtor called and stated the title company was waiting for the documents. I tried to call the loan officer, and basically all the contacts I had for PNC no one would return my call. I finally ask to speak to a manager and they would always say that the manager will call me back, no one ever did. The signing got pushed to Monday, but once again the underwriter asked for the same paper work from Friday, so I resent the paper with all the confirmations and the loan officer said he received it. However 2 hours before closing the closing company did not receive the documents. They even stated it would be impossible to have the closing today. I have now taken off two days to do this signing. I called PNC and asked to speak the a manager, they would never give me the name or number of a manager, the loan processor, actually cried and hung up on me. I called the loan officer he said to move the signing till Tuesday in the afternoon. I kept asking for the underwriter 's manager number because it was crazy that the underwriter kept asking for the same information 2 days in a row. Also another complaint is why would someone in XXXX in a different time zone handle the closing. They stated the underwriter 's shift was XXXX to XXXX I do n't get why this was not handled few weeks before the closing. I pushed this signing as far back as I could. Finally Tuesday came along, the underwriter once again asked for the same documents. The loan officer stepped in and finally spoke to their manager. We had to get the a lot of the documents with the sellers resigned, like the contacts. This was a mess. The closing finally took place on Tuesday late in the day. PNC did keep blaming the title company when really it was the underwriter, that was not responding to emails or calls that caused this mess. PNC should really be investigated for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I recently opened a store card at Nordstrom. I made a purchase of XXXX that day, and a few days later, returned XXXX of the items ( - {$37.00} ). A few days later, more than {$1000.00} of unauthorized purchases were made. I did not find out until I received my statement today. I do n't even have a physical credit card yet, just a ( now expired ) temporary card that is essentially a receipt containing a bar code, nor have I been able to set up online sign-in without a copy of the credit card and full CC number. The unauthorized purchases were all made on the same day, in two Nordstroms ( one of which was the store where I made the return, the other was a nearby Nordstrom ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN Loaning Servicing bought my mortgage last year. They are force placing an additional flood insurance policy that costs {$2200.00}. I already have a flood policy through my HOA.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with CL HOLDINGS LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Jefferson Capital System s aid i owe  XXXX   XXXX  After reviewing my recent credit report i contacted the company letting them know this not my debt and do not have or ever had a account with them asking them to remove this account through letters the company did not respond more then a month and a half  XXXX   XXXX  Bank said i owe them  XXXX   XXXX  i contacted them through letters stating this debt is not mine asking them to remove it but 2 month have gone by with no reply   XXXX    XXXX  has inquiries on my credit file  XXXX ,  XXXX  and  XXXX  that should not be there. i have a credit card account with them in good standing These are soft inquires so why do they show up on my credit fil e  XXXX  rep ort a inquiry  XXXX  i never applied for credit  with  XXXX  i sent letters requesting them to remove the inquiry with no reply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: To whom it may concern : I am writing because there are some errors on my credit report and they belong to my sister and my mother. My name is XXXX XXXX, and I am continually linked to my mother, XXXX XXXX, and my sister XXXX XXXX. I can not change my address because whenever I have my mother and sister 's mail is redirected as well. I have realized that this is due to errors on my report. I have never lived in XXXX, MA. My sister, XXXX XXXX has. I have also never had a XXXX credit card, this account belongs to my sister, XXXX XXXX, and I need it to be removed from my financial record. We are XXXX different people, with similar names and addresses, until recently, but we do not share a social security number. I need my account separated from my mothers and sister 's as I plan on moving and purchasing a home. My sister had been dealing with the XXXX crediting companies for many years, trying to separate her financial record from my mothers, but I do not understand how this could be hurting me as well, since I do not share the same first name with my mother or sister. The XXXX crediting agencies have made these errors on my report and have not corrected them, thus I thought to report it once again before seeking legal action. I have attached copies of our XXXX different passports, in the hopes of showing XXXX different individuals, whom happen to be related, not the same person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief