milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX XXXX,2017 I purchased a XXXX XXXX from the dealership. XXXX XXXX XXXX was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And XXXX XXXX for the first two months car was reported as paid as agreed then XXXX in XXXX of 2017 added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed UCC1, UCC3, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note XXXX XXXX XXXX was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX 2017 my credit report was access by XXXX XXXX XXXX for the purposes of mortgage with my consent I however do not agree with the XXXX report that two many enquiries within the last 12 months impacted my score. 
I have not requested for any enquiry or give permission to any financial body to check my credit apart from the one of XXXX/XXXX/2017 in the last 12 months The so called 'TOO MANY ENQUIRIES ' has negatively affected 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 11-03-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Credit decision / Underwriting

Complaint: During my refinance, I was told that I had an escrow shortage of roughly XXXX, that needed to be paid. I have yet to receive an escrow analysis statement. When I called they indicated that my insurance increased by double. After calling the insurance company they indicated that was incorrect, my taxes had reduced and I should not have any shortage any where of this amount. meanwhile my payment will be increased by over XXXX a month. Insurance company indicated that during my disbursement XX/XX/2015, it was paid twice which was refunded. I received a check XX/XX/2015 ; I called Freedom, and they told me it was my refund. I asked are you sure I do n't need to send this to you, they stated no. It is yours, now here we are a YEAR later and they are charging me for the refund they sent to me. How is this legal? No statement either? I want this charge to be reversed-since this was an error by Freedom not the consumer-ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: This is my second time filing a complaint. I file a Chapter XXXX in XXXX 2010. In XXXX of 2010 I also had a loan modification. 
Any money that was due was worked in the loan modification. 
XXXX stated that I am two months behind when I filed the Chapter XXXX Which was true. I had just lost my job. At the time my payment was XXXX. 
So in my chapter XXXX they stating that I owe XXXX. Which I do n't owe that. 
So why in the chapter XXXX my loan was change to XXXX different company. 
Which is SPS. We have contract SPS a number of times to get a payment history. 
We just got the payment history a month before the discharge My lawyer are trying to get the case discharge but is not able to because SPS keeping putting off the case. Thius Chapter XXXX was suppose to be discharge in XX/XX/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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (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 have contacted XXXX and XXXX as well as CBNA/Sears several times for incorrectly reporting a payment was late in XX/XX/XXXX. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XX/XX/XXXX. The company CBNA/Sears, claims they have sent XXXX and XXXX information to remove the late payment reporting for XX/XX/XXXX but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXXas this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.

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 04-11-2015 about Credit reporting () with On-Site Manager, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: shows a previous address that I NEVER received mail at, never was a resident.. Do n't even know anyone who has.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit card () with SIMM Associates, Inc. (AZ).
Issue: Credit card protection / Debt protection

Complaint: I get numerous calls everyday from www.simmassociates.com. 
Over the last year and a half I have worked and negotiated all but a few of my credit cards. 
Those I have kept are in good standing. 
This company appears to have harrased many people and trying to collect on debts that have been paid or negotiated. 
They need to stop. they will not listen to anything the consumer says and are harassing on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I bought a house, but had not sold my old house yet, so I had to get Private Mortgage Insurance because I would n't have enough money for the appropriate Loan to Value percent. When I told my broker I did n't want to get PMI, she said not to worry that as soon as I sell my old house, I can pay down the mortgage, and the PMI would be dropped. So after my house sold a few months later, I paid down my mortgage to the appropriate loan to value. In the mean time my loan had been sold to Nation Star mortgage. So I called and asked what I need to do to have the PMI dropped. They told me I had to pay it down more, so I paid it down to about XXXX % LTV, then I submitted the form they asked me to submit. After a few months I called to ask about it, and they said I needed to re submit the form, so I did. I spoke with probably XXXX different people ( some of them very rude ... like I was asking for something unreasonable ), the original broker I used for my mortgage spoke to several people, and I can not get a response about when or whether the PMI will be removed, or if they need more information, or anything. Overall they have been very unresponsive and uncooperative. My initiatial call to them was in XXXX 2016, and I still do not have a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I would like to point out that Experian is violating provisions of the FDCPA by implying that the legal status of XXXX ( XXXX ) debts are collectible by reporting the alleged debts on my credit report. The exact statute is 15 USC 1692e, ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. I am a resident of Colorado. 
2. Experian does business in Colorado and is subject to Colorado 's laws including the Statute of Limitations and knowingly publishing/reporting/promoting false and/or defamatory and incorrect information. Experian may not knowingly publish false information such as the collectability of a debt. The SOL in Colorado is well defined and is the period of collectability. Reporting incorrect information as to collectability is a violation of the FDCPA. 
3. Experian is willfully and knowingly violating germane Colorado statutes by publishing defamatory and 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 10/14/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I have a mortgage on our home that is serviced by Wells Fargo. The last home appraisal on our house, that was done at the time we re-financed through Wells Fargo, was {$240000.00}. On my XX/XX/XXXX statement, it shows that we have paid that down to {$190000.00} which is over 80 % LTV. So I called Wells Fargo to ask them to remove the PMI charges from my mortgage payment. I was told that I would either have to pay for an appraisal, or pay an additional amount over {$3000.00} in order to bring out LTV ratio up even more and then they would drop our PMI charges. The Homeowner Protection Act XX/XX/XXXX states that I should be able to call the company when I have paid more than 20 % of the equity in my home and the company is then obligated to remove the PMI charge. When I asked to speak to management and brought this up, I got a serious run-around. Then they told me that it could probably be removed, but that they would have to escalate it to some other department at Wells Fargo. When I asked how long that would take, they said it would take 10 days. So I told them I would call the XXXX Consumer Protection Agency the next day, and then they told me that they would get back to me within 48 hours instead of 10 days. This conversation between me and the people I spoke to at Wells Fargo happened less than an hour ago, but I am filing this complaint anyway since I feel this is against the law, and another example of big bank fraudulent activity and abuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: WELLS FARGO CROOKS. Back in XXXX 2016 I closed my Wells Fargo checking account online. I ve been waiting for my money since then. Even though I already filed a complaint here before ( case # XXXX ) and they sent me a letter saying they were going to do whatever necessary to solve the issue they still have n't done anything. They have failed to their promises three times to send me my money. I 'm glad I do n't bank with them anymore and I do n't not recommend them because they do n't act quickly when it comes to your money but if it 's their money they will fight with teeth and nails and lawyers til you pay the last dime. It is nasty that they can charge you penalties and late fees if you do n't pay something you owe to them but they will not pay interest or dividend on the money they have held from me illegally for the last 7 months. Ridiculous

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 01/14/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: On XX/XX/XXXX I transferred my balance to another account. On XX/XX/XXXX I noticed I still had a balance. So that day I called XXXX XXXX and they said I had to pay {$45.00} for left over interest and to close the account. I payed the {$45.00} on XX/XX/XXXX. They reassured me the account would be closed following this payment. Now XX/XX/XXXX, I received an email that my XXXX  Account statement is ready. I logged into my XXXX XXXX account and it says I owe {$5.00}. This means my account was never closed and their still charging interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2017 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Unable to report as they do not have anyone available to speak XXXX and when attempting to get address via online direct to Equifax their website said the information submitted was incorrect. I believe they have my date of birth incorrect and this has caused me to not be able to apply for any type of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the letter from the creditor ( citi card ) foe which they have approved to have the 30 day late to be removed from my credit reporintings XXXX, XXXX have been reporting it, please help me to have them removed from their reports thanks

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 04-06-2017 about Credit reporting () with MRS BPO, LLC (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a debt that began with XXXX . There was a payment plan started that I was payment on auto withdrawal from my bank account. The collections company sold my debt to another company without notifying me. Through me checking my credit report unnoticed I had a debt to a new company that I was not familiar with and I called them only to find out they had me in the system as being past due. I had to create a new payment plan and I was able to lower amount owed. However, my credit report now after two months still shows I owe over {$400.00} which is only a little under {$300.00} with a derogatory status. When the account should show Payments made on time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Consumer Loan (Vehicle loan) with Garcadia Financial LLC (NV).
Issue: Managing the loan or lease

Complaint: I made 3 separate car payments to Foresight Capital. They have charged me a cash advancement fee for the transactions when the payment should have been processed as a XXXX XXXX payment and not a cash advancement fee. The only option on Foresight Capital website is debit/credit card payment, there is no option for a cash advancement payment but yet they have charged me a cash advancement fee. The car note payment and cash advancement fees are as follows : Car note payment of {$730.00} on XXXX with a cash advancement payment of {$36.00} Car note payment of {$360.00} on XXXX with a cash advancement payment of {$18.00} Car note payment of $ XXXX XXXX with a cash advancement payment of {$14.00} I spoke with the supervisor XXXX and she told me that they have had this issue before and that they have not had this issue in a long time. XXXX refuse to reimburse my account for the cash advancement fees. XXXX claims that XXXX XXXX is the one that is processing the transaction as a cash advancement fee not Foresight Capital and that XXXX XXXX is the company that I should get reimbursed through not Foresight Capital. XXXX also claims that XXXX XXXX has them listed as a bank institution and not a financial institution and that is the reason that I am being charged the cash advancement fee. 
I am requesting that Foresight Capital reimburse me in the amount of {$68.00} for the cash advancement fee charge.

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
Consumer complaint received 01/13/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I paid a loan in full with DISCOVER STUDENT LOANS on XXXX/XXXX/XXXX ( Loan # XXXX ). It no longer appeared on my statements after this payment was made. A year later, on XXXX/XXXX/XXXX, I called to pay my last Discover Loan in full. I was told that the Loan I had paid off a year ago, # XXXX, was still active and accruing interest in their computer system, even though my statements for a year showed it to no longer exist. I asked to receive a payoff balance in the mail that showed and subtracted all the interest accrual that had not been provided to me in statements for the year, as well as an explanation for how the loan was still active without showing on my statements for a year when I paid it off. I was told that this was n't necessary and that the full amount would be canceled. This was the conclusion of my conversation with a customer service rep and a Manager on XXXX/XXXX/XXXX. However, I was not provided with the resolution promised. I next received a letter dated XXXX/XXXX/XXXX that " approved ( my ) deferment request for Loan # XXXX. '' I was outraged, as I made no such request legally and had been told that I would receive paperwork showing the loan to be closed and the balance forgiven due to extreme clerical error on the part of DISCOVER. On XXXX/XXXX/XXXX i called back. i talked to a customer service rep names XXXX who told me my request to fix this error required a " Special Team '' and that a letter would arrive by XXXX/XXXX/XXXX that would close the account and forgive the balance. This Letter also did not arrive. As of XXXX XXXX I have still not received any statements with options to pay off or understand my interest accruals on Loan # XXXX. I do not know what my balance should be given that I paid my balance on Loan # XXXX in full on XXXX/XXXX/XXXX and that this Loan no longer appeared on any statements after this date, while a balance was somehow accruing interest unknown to me. I refuse to pay a balance via telephone based on the fact that Discover Loans will no provide me with the breakdown of the unknown interest accrued since XXXX/XXXX/XXXX that i asked for, and has not delivered -- twice now -- on the erasure of this balance and closure of the account that I was told was going to be provided to solve the clerical error. I am also still in a forced deferment that I *did not request* for Loan # XXXX based on a letter that showed up at my house in XXXX. Thank you for your assistance in advocating this issue with DISCOVER STUDENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX, 2015, USAA Banking Services phoned me to ask if I had authorized an additional credit card to be sent to an undisclosed address in Florida to which I replied no. They responded that they would cancel my existing card and send me a replacement.Upon reviewing my on-line acccount I discovered USAA had already sent the additional card to Florida on XXXX XXXX. I contacted USAA and told them of their mistake and they said they would correct their mistake. On XXXX XXXX they then expressed a second card to their bogus address in Florida, followed by a third card sent on XXXX XXXX. My attempts to discuss their actions over this elapsed period, as of today XXXX XXXX, has been been met with " someone will need to get back to you on this matter ''. No one will discuss my accounts, banking account, credit card theft, or other services. My on-line account reflects XXXX account number ( which I do not have ) and current Billing Statement reflects a different account which I do not have. At the present time I have no USAA credit card.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Rewards

Complaint: I applied XX/XX/2016 for American Express Personal Platinum with a bonus of XXXX membership rewards points. XX/XX/XXXX those points were awarded after I spent XXXX in purchases on the card. On XX/XX/XXXX the XXXX awarded points and XXXX points in my previous balance were frozen. I could not use them, spend them, or transfer them. I opened another CFPB complaint and AMEX responded stating my spend was not enough ( over XXXX ) to earn the bonus, which was false. I decided to close the card on XX/XX/XXXX to see if my points would unfreeze. They did, and I was able to buy a gift card. Then on XXXX XXXX I tried to use my points again and they were frozen. On XX/XX/XXXX I logged in to see I was negative XXXX points in my account which means AMEX took back the bonus I had earned. I called Amex on XX/XX/XXXX and the membership rewards person informed me that my spending had been fine, but that the personal platinum product was identical to my XXXX Platinum and therefore I would n't earn the bonus. The problem here is that the XXXX Platinum is not the same product, and the wording in my offer for the XXXX XXXX did not say anything about having only XXXX platinum card in your portfolio. Also, I received no bonus for the XXXX Platinum as it is a banking solution from my investments, and does n't appear to be tied to any other Personal Platinum product. After doing research I was informed that the XXXX are not the same product, and AMEX has stolen the points I earned for my first ever Personal Platinum product.

Company response to consumer: Closed with explanation