milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have mailed out time after time the right information of employment with Company name address phone number and still on my credit file there is wrong information of places I work for that are wrong and not the company I work for. 

Time after time the credit Bureaus create hospitals as staffing company 's as the names are not right after I have giving the right information. 

I have enclosed another copy of current and past employers with right name spell and address I want proof of the company 's on my file as right or deleted I have been sending the right info and it never gets updated as right.

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 04-06-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This debt is OLD. Resulting from no payment since XX/XX/2009 with XXXX more than 7 years old. 
Should drop off by now.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I have attempted to speak with a LIVE agent at Equifax but unsuccessfully numerous times. 
I am NOT able to logon to their Official website. It is NOT accepting my Username or Password. When I go to Forgot Password it prompts me to enter my Last name which I know and my social security number as well as my date of birth, I click submit but it automatically tells me that they can not log me on and that I need to call but when I look to the upper Left hand of the page it can see my name Welcome XXXX ... ( what is that??? ) I am not able to get through as the phone rings out and then hangs up. What do I do? I do n't know if I am affected by the security breach. 
I want to know if there is a Security and or Fraud Alert on my account and I need to dispute some things.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Credit decision / Underwriting

Complaint: My fiancee and I decided to choose USAA to hold our mortgage, so we applied through them initially. Approved us for $ XXXX initially ... .filled out the entire application. And we had to do our own application because we were n't married yet. All that was fine, but how do you approve us for $ XXXX, even though we found a house for way less, and then when we get 4 days from closing to tell us that our loan is no good and that we will not be able to close? And then ask us if we have any family members who could give us a substantial gift for a down-payment? We went from having to take $ XXXX to the table to $ XXXX to the table? So unprofessional. And then our original processor was out for a period of time, but she emailed us and said we were good. That was one issue. Then on the day I was originally suppose to close, USAA calls me back to tell me they have fixed everything ( I was on my way to another borrower ). So during the XXXX stint, we had to provide things that we had already provided ( twice ). Horrible.We kept calling because they were running against the clock to provide the documentation to the closing attorney 's office. Finally, we close. Which brings me to my second issue, if we are both borrowers for the loan, why am I getting the run around on getting my fiancee online access to pay the mortgage? We have called seven times ( on hold as I type this complaint ). We do n't want a 30 year loan. We 're trying to pay the mortgage plus an additional {$500.00} ... .trying to give them money, but no one can seem to help. This may sound petty, but he should be able to see the loan through his online profile and make payments, instead of paying over the phone and paying an additional {$11.00} surcharge. USAA is suppose to be the cream of the crop, but I am very disappointed. We must have done something right because our loan is really good, even the other lender said if USAA can finish it, let them. But this has been a total disaster. At the current moment, I have had XXXX IT tickets put in so that my fiancee can get online access. Nothing has been done. I ask to speak to a supervisor, everyone is too busy. My parents and grandparents are ex-military and so is my fiancee 's family ... ... .they told us to go with USAA because we would get better rates. I waited to write this because I do n't want anyone to give my family or me a hard time with our loans and other services, but at this point it does n't matter. Do not choose USAA to finance your home. 

XXXX XXXX

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 06-08-2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (IN).
Issue: Credit determination

Complaint: I applied for their credit card on XXXX/XXXX/2015, and I was approved instantly for the credit limit of {$21000.00}. I received a letter stating my credit score of XXXX using the Experian as their source about five days later, and I received their card about a week later. I believe I received the card on XXXX/XXXX/2015. 

I used the card on XXXX/XXXX/2015 and XXXX/XXXX/2015. On XXXX/XXXX/2015, I used the card and had a decline. I called the number on the back of a card and, and the regular customer service forwarded me to a fraud department. The fraud department representative told me that my account is under a review since the last purchase on XXXX/XXXX/2015. The reason for the review is unknown, but they will have an answer between XXXX - XXXX. I called them back between these time frames. After 1 hour of waiting to talk to someone, I talked to XXXX of the fraud dept. customer service rep. The rep, XXXX told me that she does n't know what the another fraud dept. rep. told me, but the review will not occur on weekends, only on business days ; thus, I will not have any information what-so-ever until Tues, XXXX/XXXX/2015 the earliest. She also told me that my account went under the review on XXXX/XXXX/2015, XXXX, and the review was placed manually by a human being. There was no note from the person who placed my account under this review. She said that most likely suspected fraudulent activity put my account on the review ; however, when I asked why I was not notified of the suspected fraudulent activity on my account, she said that the review and suspected fraudulent activity are different. Thus, they are not obligated to let me know what is going on. It makes no sense because she established the connection that most likely the suspected fraudulent activity put my account on a review. I am tired of this bank making up a story as things progress. 

I was upset and started to look into this kind of the issue with BBVA Compass bank, and I found some information at XXXX : XXXX Apparently, what I experience is not an isolated incident, but occurs rather frequently with this bank. And, in order to get an answer from this bank, I must get help from an agency like CFPB ; thus, I am doing so now just to get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2013 a district court Judge ruled in my favor, XXXX XXXX XXXX XXXX, for my house to be given back to me because Wells Fargo trustee for XXXX mortgage services had no legal standing in illegally for losing on my home, n also, I never signed for my home to be refinanced. I was a victim of identity theft, the documents were all proven to be forged. And neither XXXX mortgage attorney in fact for XXXX XXXX XXXX. Had no legal standing. I deeded my home to a family member. I just recently learned per my family member, the home I gave to her in which the deed was registered n certified with the deeds office, was stolen from her without her knowledge without knoticefication. I learned that Wells Fargo trustee for XXXX mortgage servicing, deceitfully and illegally stole the property and sold it to an unauthorized trespasser through a realtor using a very crooked forecloure attorney firm in MI. They never returned my escrows, or monies they illegally took from payments on this fraudulent mortgage. I am bringing this matter to your attention as I am requesting actions be taken immediately monies returned property returned along with punitive damage as soon as possible. All of this was done without knowledge without notifying by use of fake, forged, n fraudulent documents to the court. This can not go on. The person that living in the home is illegally trespassing, and Wells Fargo, XXXX mortgage illegally trespassed into a property that was not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX/XXXX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XXXX of XXXX I received notice that Equifax had experienced a data breach and information was compromised. On XXXX/XXXX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX was located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit can not be pulled without my authorization and that has not happened. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was the defendant in a civil case in which I counter-sued. I won the final case, and was awarded a judgement against the plaintiff. Equifax simply saw a judgement and me as defendant, and reported the judgement as against me. I disputed the error on my report, and even included copies of the final judgement with my dispute. I 've double and triple checked with the clerks office as well, and they assure me that their office is correctly reporting the judgement as in my favor. Still Equifax refuses to look past the initial glance at the judgement, claiming this is indeed a judgement against me. This despite the available public records showing that I 'm the one owed money, and my copies of the court papers that I actually sent them. I 've been told that I can have the judgement marked as in dispute now, but that the error will remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Late fee

Complaint: I opened a Credit Card with XXXX XXXX which was issued through Synchrony Bank. The whole time I was having a hard time with my mail and would receive and pay my bill late. I had no problem paying the late fees but at some point I was fed up and decided to go to XXXX XXXX 's in person to pay my entire bill. I asked the represents everything to please advise me of what my bill was and he informed me that it was {$470.00}. I went ahead and paid the entire bill with cash ( I have my receipt ). Several months later I received a bill of {$110.00}. When I called to inquire about the bill, I was informed that when I paid my bill there were other pending fees that I did n't take care of and those pending fees caused additional late fees and that 's why the amount is what it is. The representative was only willing to refund {$37.00}. This is extortion and I feel taken advantage of.

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 monetary relief
Consumer complaint received 11-03-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I belong to XXXX XXXX and check my status regularly. For some reason my late payments on the Equifax report, ( which I have none ) went from XXXX percent on time to XXXX percent in the last month! Looking at my Equifax credit report out of the XXXX accounts shown there are NO late payments. According to Equifax out of XXXX reported payments I supposedly have XXXX late payments?? Please supp ; y me with the company 's or persons that I supposedly have not paid. They are not on the Equifax credit report that is on XXXX XXXX and must have happened over the last month! As a side note my XXXX information XXXX payments were on time, it would also be highly unlikely that XXXX would miss this. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: To whom it may concern, I am writing to you because the debt is too hard for me to handle, I am asking for a deferment and removal of the derogatory mark off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Attending XXXX from XX/XX/XXXX XX/XX/XXXX. This was the first time I had ever attended college. It came down to the last quarter of my XXXX degree and was told had no student loan funds available. Next thing, all of sudden funds were available if I signed to continue degree. After I graduated I received notice that I owed {$46000.00} in federal student loans and have XXXX private loans through XXXX totaling {$18000.00}. The peaks amounts were due immediately upon graduating. And when I went back to school at XXXX University were not deferrable unless I returned to XXXX. They can not be consolidated with all my other student loans. In addition, they require that I send separate payments for each loan in separate envelopes. When I try sending them together as XXXX check the payment only gets applied to XXXX loan even though I have the invoice stubs enclosed with the amounts indicated for each loan, and the one they did n't apply it to I 'm hit with a late fee of {$10.00}. When I called about it that was when I was told had to be separate check / separate envelopes. 
After Graduation XXXX repeatedly called me wanting to know where I was working, even though I have worked in the same job as when I started school. The many times I went to the school Career Counselor, for potential job prospects my information was filed in a cabinet and never received a call on anything. Several times they called and wanted to take credit for my position at XXXX which I had long before even starting school. As a friend still works for XXXX, a couple of times she has overheard the Career Counselor state to potential students that she got me the position at XXXX. I have worked there for 28yrs now and in way shape or form did XXXX ever do anything for any of the positions I have held there. I would not recommend this school to anyone ... .EVER!!! And XXXX Private Student Loans is a bunch on bull also ... ..if it would n't ruin my credit I would tell them what they can do with their separate checks/envelopes.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On today I spoke with XXXX who said he was a special handling supervisor for transunion. I explain to XXXX that their are inquiries that are connected to my report that does NOT belong to me. She was very rude and stated " what do you want me to do about it ''? That I needed to contact the creditors because it is not their job to correct theses errors. I explained to him that I have been going back and forward about this between transunion and the creditors and no one seems to be able to assist me with this issue. His response once again was " What do want me to do and are you done ''? Along with a CH. XXXX that continues to show on my credit which was removed and placed back.

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 12-04-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: American Express has taken away our rewards points by closing our account. I have made several inquiries, all of which are ignored with no response. They closed our account one day prior to the pay by date that is only 14 days from their closing date each month and even prior to us receiving the current bill. We had a dispute over a paid unauthorized charge in this account, and we had actually arranged payment for the dispute plus all new charges the same day the account was closed by Amex. In their arrogance the state we do not make our required payments each month, and this is not true. We paid all new charges in full that we actually charged and sent them a spread sheet proving that. The only amounts left unpaid were disputed amounts. As an act of good faith we paid the disputed amount on our account of {$3400.00} that consisted of an unauthorized charge of {$2100.00} paid by American Express with our authority to pay and {$1700.00} of unexplained additions to our total charges summary that began in XXXX 2013 and grew from the original unexplained amount of {$260.00}. We will pay all incoming charges left on the account prior to the next billing cycle closing. Since the amount we will have paid by then will be over {$13000.00} we would like our rewards points at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Application, originator, mortgage broker

Complaint: I declared Bankruptcy in XXXX XXXX and it was Discharged XXXX XXXX, XXXX. I filed against XXXX XXXX on an equity loan held jointly with my wife. I sent payments until my check in XXXX XXXX was returned saying no loan could be found and they could not ask for any payments because of the Bankruptcy. In XXXX of XXXX my wife co-signed with my so to purchase a home and this loan showed on her credit report. When contacted both Capitol One and XXXX XXXX report they had no record of any loan we have asked for a release of lien XXXX times and was promised a letter of release and never received anything. When we follow up they say it is in research. My wife file a complaint with Capitol One XXXX months ago and got no response. we have asked for about his lien using both my and my wife 's social and no loan is found.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Struggling to pay mortgage

Complaint: I have had a mortgage with XXXX XXXX XXXX  and due to illness & loss of employment income, I have gotten behind in mortgage payments and have applied for a Loan Modification. I submitted the package via fax on XX/XX/XXXX.  After some back & forth with phone calls, Capital One said they needed updated bank statements. These were then sent via fax within a couple days of the request on XX/XX/XXXX. I keep getting " Point of Contact '' calls & I remind them that I have submitted a full Loan Mod package and the documents they have requested. They then check their computer and agree that the docs were received and they would again send a message to the underwriter. The left hand does n't seem to know what the right hand is doing. <P/>I keep reminding them that there is still an active sale date listed by their Trustee and they keep saying, " oh, we know and we 're taking care of it ''. But when I check it still shows as active on XX/XX/XXXX which is definitely Dual Tracking. How can we be negotiating " in good faith '' if they still have an open sale date? <P/>I appreciate your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: It appears as through Ocwen Loans Servicing, LLC are going around in circles and not coming to an amicable resolution to this issue that has affected our property. 

This is in response to a recent letter sent through the CFPB Portal stating " Additionally as Ocwen did not service the account prior to XXXX XXXX, we have no record of establishing a credit tradeline prior to that date. You have indicated your credit report shows Ocwen established a credit tradeline prior to XXXX XXXX, however you have not supplied a copy of their credit report to Ocwen so that this claim can be investigated. To have this issue research further please provide a full current ( within 90 days ) of your credit report directly to me. ". 
Please note that a copy of the credit report dated XXXX XXXX, XXXX at XXXX was generated and sent to Ocwen by certified mail, through the Consumer Financial Protection Bureau and XXXX XXXX, XXXX, the XXXX Department of Finance legal division, Securities and Exchange Commission and XXXX XXXX XXXX XXXX Trustee on XXXX XXXX, XXXX along with all supporting financial documentation. 
After careful review of the Corporate Assignment filed on the property located at XXXX XXXX XXXX, we have discovered that the Power of Attorney Document Reference XXXX giving you Limited POA ( Power of Attorney ) is based on LOAN NUMBER XXXX which is not the loan for the property XXXX XXXX XXXX XXXX, NY XXXX. The recording was done in error The alleged loan number for the property is XXXX. I 'm also including a statement for your reference. 
Ocwen Loan Servicing LLC has requested XXXX XXXX XXXX to record the Corporate Assignment to validate their reason on collecting payments prior to securitizing the loan for XXXX XXXX XXXX XXXX XXXX XXXX and have not applied {$48000.00} of payments towards the property from XXXX XXXX - XXXX XXXX in the past 17 years. 

A complaint will be filed against the Notary, XXXX XXXX XXXX in the Executive Governors Office in Florida for his errors and omission by not validating the reference document. 

Furthermore Ocwen has not retracted the XXXX that has been recorded. Per the real estate records division, Ocwen Loan Servicing , LLC can only rescind the Power of Attorney.

Company response to consumer: Closed with explanation