milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On Thursday, XXXX XXXX, 2017 I was reviewing my Experian Credit Report online and wanted to add a 100 word consumer statement. I have added and changed a 100 word statement to my XXXX XXXX credit report. However, after much searching, I could not find a place to add that statement. So I called Experian twice and the first level person on both calls had no idea what I was talking about and on the 2nd call the 2nd level person had no idea what I was talking about ; so I told him I was going to make a formal complaint to the CFPB.

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 04/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this company put a debt in my credit report, but I did not know about the debt either the company.When I called them they talk about a t mobile bill I had 9 years ago.This bill was on my credit report before, I disputed with the credit bureau and they removed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Commonwealth Financial could not verify original creditor or account number, I have not received anything from this company in writing informing me of the debt collection, and debt is on my credit report XXXX times, for the third time. This debt which I noticed on my credit report a long time ago just fell off of my report for the second time in XX/XX/XXXX. The debt showed up again on XX/XX/XXXX and was reported XXXX times on my report instead of just once. This company is falsifying dates so that they XXXX continue to collect on a debt that is void due to statute of limitations. They are now claiming that the date of service was on XX/XX/XXXX. I called every hospital in my area with XXXX to try and verify the date and none of them had anything with that date or anything close to it. That date is also my mother 's birthday and I know for a fact that I have never been to the emergency room on her birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I entered a hospital four years ago to have a XXXX XXXX removed. I was under a XXXX for an hour or so. 

XXXX XXXX sent me a bill for a procedure I never received. 

They turned it over to a collections agency which submitted it to Experian. No other credit agency would take this false claim as there is no documentation that I agreed to this, that the procedure was even performed. 

I complained to Experian and the extent of their " investigation '' is asking the collections agency if it is valid. 

So, if I said XXXX XXXX owes me {$20000.00} and reported it to Experian, well then XXXX has a black mark on his credit and Experian will ask me if its valid. No documentation, no proof, nada. 

This is a form of slander. 

I want it removed, or remove Experian 's right to operate in this country. They do not seem to understand contractual law. 

Thank you, XXXX 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 10-01-2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX, I submitted a complaint # XXXX. I submitted this complaint to request that CFPB help resolve, help bring awareness and help bring relief to a very serious, and now illegal, issue .XXXX XXXX XXXX was and is garnishing my wages for over a year now. they have never offered any XXXX/Student Loan forgiveness or forbearance to me at anytime. At the time of the first complaint I had no correspondence from the loan agency, XXXX XXXX XXXX claim they are collecting for, for over 5 years. ( I am XXXX years old, I graduated in XXXX. ). Prior to this I was told by the loan agency that I should wait for a reply to my multiple request tor XXXX and/or Student Loan Forgiveness, Forbearance, etc. 
A year ago I received a letter stating that my wages would be garnished. I was not given a hearing to attend on this matter of over {$25000.00} and no legal rights to state my opinion or provide proof of evidence in the matter.to the judge at this hearing. 
I then saw that money was taken from my pay on the statements without documented calculation, pay schedule, etc. AND IT IS STILL BEING TAKEN ( I do not even know the amount until after it is taken ... ... .each week ). 
I was told that there is a CLASS ACTION LAWSUIT against companies that are garnishing monies from prior students without the option of forgiveness or forbearance, etc ... XXXX 
I will be sending CFPB presented documents as I continue conversations to be included in the lawsuit where ever I am directly connected. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Notified of potential list of those affected by Equifax data breech.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Other

Complaint: We have a credit card with Barclay 's that we recently opened. We purchased about XXXX of goods and services and paid them off within 5 days of making the purchases. We then used their online system to pay them to full amount owed ( about XXXX ). We did this with the understanding that we would have access to the revolving credit line to cover cash flow. The have placed a 10 day hold on the account even though they have been paid in full and the bank account that paid them has already paid them. While these terms are in the user agreement, these terms were not disclosed in the application or in anyway until after this issue was discovered. They failed to release the hold and this puts my family in a difficult position as we paid them expecting to be able to finance our daily lives using this card. I believe that this practice is illegal as they have already received full consideration and have the money in hand. These sorts of practices are a way for them to hassle people and to make sure we know that the bank is boss. You guys should do something. I know you wo n't. But you should.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received an email from Synchrony that my " XXXX XXXX XXXX '' card was good at other retailers that used XXXX XXXX. The email offered a link to follow to find other valid retailers. XXXX XXXX was listed as one of these. When I arrived at XXXX XXXX they verified that they did use XXXX XXXX so we thought it was fine to used my credit. I had a {$1000.00} credit. 
I bought new tires and had them installed. When I went to pay it would not accept my card. We called Synchrony and they said the card was n't any good there, I needed to have a XXXX XXXX  credit. I explained that the email that they sent me listed XXXX XXXX. Synchrony would not accept my valid credit. I asked to close the current account and reopen in XXXX XXXX. They closed my account and then refused/denied to open a new one. So not only did I have to endure humiliation of my credit not going through, but I lost my line of credit completely. 
The email was very clear, and XXXX XXXX was listed as a valid vendor. 
I could have lost my car ( because XXXX XXXX would have held it until it was paid ), my job ( for lack of transportation ), and everything I have- all because of false advertising. And this is a very clear case of false advertisement.

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 02/24/2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am third party authorized for my client XXXX XXXX XXXX XXXX who had his home equity stolen from him through deed fraud and my company through XXXX XXXX ( a ) have been able to revert the deed back in his name. I contacted the servicer that was assigned his defaulted mortgage ( Shellpoint Mortgage ) and they informed that they conducted a short sale on the property in XXXX XXXX for the sum of {$420000.00}. I told them that was impossible no transfer of title or satisfaction of mortgage was ever recorded with the State of NY. They even told me who purchased the property through a short sale with there company. ( XXXX XXXX XXXX ). There is some serious fraud indicated here. I called back a second time on XXXX/XXXX/XXXX and they were not willing to speak to me even though I was authorized to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: My Capital One credit card is 178 days late. We have fallen on hard times. My spouse is ill and can no longer work, we have ill family that has had to move in with us and we are living on limited funds, these are things that have developed since the credit card charges. We do not qualify for any state assistance. So I have been paying what I can, when I can, just not the amount they are requiring to be considered current. I have been notified that my account is days away from being charged off. So on XX/XX/XXXX I contacted Capital One, I asked them for a payoff amount, they offered for me to pay {$9800.00} as my pay off amount. They would only take off the interest, nothing off the principal. They did tell me that sometimes they will reduce the principal and that would mean they would send me the XXXX tax form for principal debt greater than {$600.00} forgiven by cc company. But never attempted to negotiate with me. I asked them if there was any way I could get a reduced amount. All they offered me was a payment plan of {$3800.00} due by XX/XX/XXXX, {$3000.00} due by XX/XX/XXXX, and {$3000.00} due by {$3000.00} to avoid account being charged off. I made it clear that was not possible and would like to settle my account and close it. I asked if there was someone I could talk to that could work with me to settle amount owed. Was given no further assistance was told he knows times are hard and he was sorry for me, and that he will pray for me. I tried reaching out again on XX/XX/XXXX to settle account, this time I was told pay off was over {$10000.00} and was given a number for their higher authority. I am extremely frustrated, I just want to close my account and try to reach a settled amount, all they are encouraging me to do in stay in my current payment program with them so I can get my account current and continue using my cc. I know this is my debt, and I know that it is my responsibility, I am trying to take care of it, It just upsets me that they would rather charge off my account off to a debt collection agency for a reduced amount, but will not help me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Account opening, closing, or management

Complaint: Started a request to consolidate credit cards beginning of XXXX 2016. Two months and about {$1000.00}. later which includes about {$100.00} in fax fees we give up. Nothing but request upon request for money and paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I reported multiples fraudulent transactions on time as soon as I realise, Well Fargo is denying the claim because my pin number was used. I dont make purchases with PIN numbers, I dont use the PIN I prefer to be signed the slip. On top of that, I dont understand how the transaction was made out of the USA and I did not receive any fraud prevention calls, and now they dont want to fix this. I havent been able to pay my medical expenses because of this, please not that Im a very sick person if I have to go to any emergency room and I dont have the funds in my account I will hold Wells Fargos Responsible for this.
claim number  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 09/20/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CO).
Issue: Managing the loan or lease

Complaint: They continue to double charge me, and every month I have to go in and get it fixed. The manager is completely rude and unprofessional. It feels like they are trying to cheat me by sneaking in extra payments that I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Universal Recovery Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My husband had been contacted on XX/XX/XXXX and XX/XX/XXXX in which a message was left on his phone for me ( XXXX XXXX ) to call XXXX at Universal Recovery Corporation. On Monday XX/XX/XXXX I received a letter that I owe {$300.00} for a {$75.00} returned check. On XXXX/XXXX/2015 XXXX called my husband again but this time he answered and when he told her I was unavailable she continued to tell him about the money I owed, threatening a lawsuit and to ruin our credit, and then she brought up our XX/XX/XXXX bankruptcy. When my husband told her that he did n't think it was legal to be talking to him about my debt she became hostile and said " it 's legal in California ''. I have tried to resolve this debt, but any time I ask a question she just raises her voice and says I have to pay the full amount, its the law. The first contact received was on XX/XX/XXXX, so I do n't see how I can owe 3 times the delinquent amount.

Company response to consumer: Closed
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I was de-escrowed in XXXX 2014. I chose to pay my taxes and insurance on my own due to previous problems with Ocwen. I paid my homeowners when it was due. Even though my escrow was closed and had a XXXX bal they paid it too. They show a negative balance in my escrow for the payment they made. The insurance company refunded them their payment and they have not credited it to my account to remove the negative balance. Faxed them the info several times they refuse to understand and have raised myinterest and principal payment to get their XXXX back and they already got it back from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with MOHELA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: They are not applying my payment correctly to my account. My account interest that should be charged to my account is 3.5 %. They are applying my payment more to interest than to principal. My last payment of {$140.00} was applied with {$75.00} in interest and only {$66.00} towards principal. This has been a recurring theme since I have been with them. FYI, I have not missed or been late with any payments with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with ASTORIA BANK (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am asking for an investigation into the Astoria Federal Bank mortgage increases. I have attached documents for your review. I was told in XXXX that my mortgage increased because my insurance was increased. So I got another less expensive hazard insurance, submitted that and received notice of an even further ADDITIONAL increase. I feel that something is not correct. 
I have never been late on a mortgage payment. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received a signup offer of spending {$1000.00} and get : 1. 30000 XXXX XXXX miles. 
2. {$100.00} statement credit. 
3. Free Companion fare ticket XXXX {$99.00} XXXX. 

However, after I spent {$1000.00}, I received only 30000 miles but not 2 and 3. I called BOA and the customer representative had no idea what I was talking about and even transferred me to XXXX XXXX to ask for my statement credit. 

I have no clue in how to request {$100.00} credit card statement from XXXX 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 monetary relief
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with Credit Service, Inc (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars XXXX. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all three credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. Both of these accounts have been disputed on three separate occasions and the collection agency continues to report inaccurate and unsubstantiated information. 

CSI group has stated that dispute was received and investigated without showing proof upon request. CSI group has also responded stating dispute was received 8 times through XXXX which is also incorrect. All disputes have been made in writing and never responded to. CSI group has violated the FDCPA and FCRA by not doing an investigation that they admittingly have received 8 times and also reporting inaccurate information on my credit report for the past 4 years which has caused denials of a rental for myself and my children. 

After the first complaint filed X/2017 csi group proceeded to remove XXXX XXXX XXXX account of {$2600.00} from on XXXX leaving the damaging and inaccurate information on both XXXX and 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 05-07-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear CFPB, I feel I am a victim of sub prime predatory lending. Back in XX/XX/XXXX, I was approved to receive a loan from Wells Fargo through an independent mortgage broker. Because it was Wells Fargo, I thought it was all ok. At the time I had XXXX % down and I believe that is where their focus was to receive the cash. I should not have been approved for a loan. The mortgage amount was not something I could afford afterwards so I applied for a loan mod. My mortgage dropped from over $ XXXX/month to $ XXXX/month back in XX/XX/XXXX through a loan mod. XX/XX/XXXX, I received a letter stating my mortgage was going to be raised and it ended up becoming almost {$1900.00} and they also stated that my interest rate was being raised from 4.5 % to 6.5 %. I had been paying my payments on time the whole time until this happened. I found out my loan was an interest only loan with and ARM ( adjustable rate ). Since about XX/XX/XXXX, I could n't pay my payments in full and they wo n't accept partial payments. I tried for loan mods over and over and they kept saying the investor on my loan will not allow another loan mod. Now there 's an onvestor on my loan?! When did they come into the picture because I pay my payments to Wells Fargo?? So I come to find out that XXXX is now the investor behind my loan and my mortgage is a mortgage backed security. At no time, had I signed any contract with XXXX. I believe Wells fargo sold my loan to this investor without my knowledge and when I ask them who the investor is on my loan they say there is n't one. But now there 's a notice of default filed on my home by HSBC! I do not have a contract with them. This does n't make any sense. I really believe that Wells Fargo needs to refinance my loan to today 's standards since they are in the wrong from the beginning. I have been spending most of my time on trying to figure this out for a year and a half now. This is very frustrating but I am learning a lot from this. I wish there was someone who could help me. Now Wells Fargo is in the process of processing another loan mod request while there is a notice of default on my home. I do not see how the outcome could be any different if the investor has the last say. This is the only home my kids have known and I would really appreciate my payments going back to {$1200.00} per month like they were. Thank you for any help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation