milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 've been trying to get Equifax to correct my home address for a month ( XX/XX/XXXX-XX/XX/XXXX ) ..sent in required proof of address 3x ( copies of s.s. card/drivers license and letter from US Treasury with my correct address ).  talked to several agents with this company who agreed that they had received my documents and assured me that the problem would be fixed. on many occasions I 've been put on hold with no one responding, directed to another # # that sent me to recording with no resolutions. they have my address from 4yrs ago as my current address. I moved 3yrs ago to an address that they listed as previous address. I have been at my present address for 2yrs. I 've gone to their web page to submit online dispute but it only states temporarily unavailable..

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: It took months to remove my PMI, because I kept getting different answers and Green Tree Servicing stating that they did not have a phone number for their escrow department. They said you had to mail everything in. Once I finally got the PMI removed in XXXX, I was still charge the PMI amount for XXXX & XXXX. They did an escrow analysis in XXXX and refunded me {$140.00}. I was told that this was for the overpaid amount on the XXXX PMI. I was told be a couple different representatives that I would receive a check for the overpaid PMI in XXXX in the mail. When I never received a check, I called back and spoke with a supervisor. She told me that in order for me to get the check back, I needed to do another escrow analysis even though I had just had XXXX done. The taxes have increased since then, so now they sent me a bill for {$190.00} and no refund of the PMI for XXXX. Every time you speak to someone, they tell you they ca n't help you and you need to write a letter to the escrow department. They have terrible customer service and keep telling you different things, so that nothing can get done. They used many stall tactics when I was trying to get rid of the PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This was an unauthorized credit pull. I did not want their Credit card. 
XXXX XXXX in XXXX, MN pulled my credit report and caused a hard pull. I did not authorize them for a credit card pull. I was trying to get signed up for just a XXXX XXXX Rewards card. Please remove this inquiry from my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from XXXX, Experian and XXXX, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).

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 07-11-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am having issues with Experian. I am trying to get a hold of them because I have an identity theft issue that I have been dealing with. Around XX/XX/XXXX or so I sent in a copy of my identity theft police report due to my personal information being used to open up fraudulent accounts in my name. I found on my report a fraudulent account that was established with XXXX XXXX XXXX XXXX, and XXXX XXXX Account # XXXX. I have tried to get through on the automated system to speak to someone and I have not been able to get a hold of someone but it tells me my report number is not valid. I tried to communicate with them through the online upload portal and the site is giving me a mail in form. I need to get these XXXX accounts removed from my credit report as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Transunion on XX/XX/2018 at XXXX to inform them that I am a victim of the current inquiry issue. The representative by the name of XXXX refused to assist me with the removal of the unauthorized inquiries on my credit file.

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 02/22/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The account is over the Statutes of Limitations and I have a bad credit because of this account. It is with Cavalry Portfolio Services.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I sent a letter dated XXXX XXXX, 2017 to Capital One ( the company I have my credit card with that processed the charge being disputed ) explaining that I purchased facial cream under a trial period, and notifed the company within the trial period that the product did not work. This call to the merchant was to make sure I was not charged with the purchase. If I did not make this call, I was to be charged {$89.00} for the sample product and every 30 days a new shipment would be sent to me. Capital One took my complaint but had me go back and forth with the merchant multiple times trying to resolve the dispute, which I had done before contacting Capital One. After many calls, Capital One said they needed the cancellation number that the merchant provided me with when I called to cancel the product. Of course, the merchant knew the game and told me they do n't provide cancellaltion numbers. I even told Capital One that the merchant 's number says they tape the calls and I suggest that Capital One insist on hearing my calls to them. They refused. To make a long story short, Capital One refused to reverse the charge, saying I first needed to provide them with a cancellation # before they could reverse the charge. Capital One made the entire complaint about the cancellaltion, rather than about receiving a product that was a total fraud. I sent Capital One ( along with my letter of information ) 9 pages from different consumer organizations saying how the product and the merchant with frauds, the product did n't work and they were charging account, not crediting accounts back that had complaints, and illegally charging multiple times without consumer 's approval. Capital One chose to ignore all this information and refused to reverse charges, saying I could n't provide them with a cancellaltion #. This is the only dispute I 've had with any purchases from Capital One for a very, very long time and I 've been a customer of theirs for many, many years, which makes it more difficult to understand why they would be so difficult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: 1. I bought a house on XX/XX/XXXX. According to the contract PMI willa utomatically terminated when the principle balance reach 78 % of the original value of house. I did reach this goal on XXXX/XXXX/2014. But my mortgage company -Ocwen servicing agency refused to cancel My PMI.Imadephone/email/fax request to cancel it. Now my principle balance is 73 % .But still they charge me with PMI. 
2. ocwen also refused to release money to my insurance company on time and my house was uninsured for one month. 
3, They also increase my escrow without giving any explanation. Frustrated with all this I did request to cancel my escrow account. But they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Credit card) with Smith Debnam Narron Drake Saintsing & Myers LLP (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This is a follow up to the complaint that I filed on Monday XX/XX/XXXX. It seems that XXXX /Smith XXXX Debnam XXXX Narron XXXX Drake XXXX Saintsing & Myers XXXX LLP. has filed a Judgement against me as a form of spite, retaliation, and retribution as a result of the complaint that I filed with CFPB a few months ago against them for excessive calling on my home phone and cell phones. I feel my rights have been violated ... my Freedom of Speech for one. It seems like when the citizens or consumers speaks out, the business lashes out ...??? Why filed a Judgement against me when XXXX has known that XXXX XXXX XXXX has been communicating with them since XX/XX/XXXX??? 
A few days ago, an XXXX XXXX from Executive Office of Customer Advocacy within XXXX sent me an email stating that XXXX would be investigating my concerns from the previous complaint that I filed on XX/XX/XXXX and would send me a detailed response upon completion of the investigation. This tells me that XXXX is unsure of the actions and business practices it has done in this matter ...??? How often does a business calibrate itself ... when something is out of tolerance ...??? Well, I 'm not going to " tolerant '' the actions of XXXX and XXXX ... 
I have written a letter to the President of the United States of America at the White House. I have explained to him in writing about this situation and included a copy of the Judgement against me by XXXX, filed by XXXX XXXX ... I want the President to know what 's going on in the real world and the business world. I have requested help from anyone in his government on this matter ... I 'm waiting for his reply now. Also, I 'm writing to any state and government official that will hear me on this matter. I want the whole world to know how XXXX and XXXX have treated me over these last several months. 
I 'm requesting that the CFPB, the Federal Trade Commission, the FBI, and members of Congress investigate Discover/ Smith XXXX Debnam XXXX Narron XXXX Drake XXXX Saintsing, & Myers XXXX LLP for their actions and practices. Number 1, I would like to know who authorize the Judgement against me, Number 2, why? 
I should not be bullied, harassed, intimidated, and threatened because I want to get my debts consolidated, paid down, and paid off. I 've had to endure this for almost a year now! I put " All '' my trust in XXXX and HE will fight my battles for me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Ive been a victim of major identity theft with having my personal information jeopardized in  XXXX  major data breaches, false credit reporting issues, fraudulent use of my SS #, fraudulent personal loan and mortgage fraud. That has become a servere tragedy in my life with losing my residential property, losing my employment, affecting my children and received a letter saying there information was stolen as well. As I have had to move into family members home and ca n't get any financial support to recover from all of this. I truly appreciate your feedback and help. Thank you

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 04-01-2015 about Mortgage (Conventional fixed mortgage) with VALLEY NATIONAL BANCORP (FL).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance with this bank based on Radio commercials calling for a XXXX refinance. The issue I have was that theyrequire you to fill out a mortgage application and require you to pull your credit, PRIOR to requiring you to pay the nonrefundable XXXX fee. I contacted XXXX XXXX who put me in touch with her Manager XXXX XXXX XXXX XXXX regarding themain issue is the fact that they require you to pull your credit prior to disclosing the fee. I would have never have givenpermission to pull my credit if I had know the fee was non refundable and up front. Credit Inquiries affect credit worthiness andcould affect me being able to get a mortgage at a competitor. I asked him to write a letter to send to the credit bureaus to removethis inquiry he refused. He also refused to do anything in regards to either making the fee payable once the loan is all approved orroll it into the closing cost. This structure almost forces a customers hand to go with them since they have already dinged creditand forced them to pay the XXXX. I have an issue with the fact that they were just no helpful and they just chalked it up to this howour system works. They should have to disclose the fee prior to filling out the application NOT the very last screen since theyhave already pulled credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Due to financial difficulties as a single mother, I had asked for a forbearance on my student loans years ago and was told ok. This was many years ago, I ca n't remember what year - XXXX, maybe. I had not heard anything from any agency. No one called my work or home. Now it 's XXXX, two weeks ago, XXXX XXXX started calling my employer about a wage garnishment. They were harassing me at work. I had no idea XXXX XXXX had my student loan. I thought it was a scam. Last week, I called the US Dept of Education and they could only tell me my student loan had been transferred to XXXX. They could n't tell me anything else about my loan. I never received any paperwork to that effect. I called the XXXX and was told my student loan was in default and had been taken for collection by XXXX XXXX. I never received any paperwork notifying me or giving me the chance to make payments on my loan. Now XXXX XXXX is garnishing my wages with an amount that I can not afford to pay. XXXX XXXX was rude and threatening and called continuously at my employer. I also felt that they gave out private information to my employer that they should not have done.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company claims I owe them money. I have never held an account with this company. I tried to tell them this and they told me I needed to stop lying and pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I 've recently reached out to the credit bureaus to make them aware that the filing date of my Chapter  XXXX  Bankruptcy is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to file a complaint against Chase Bank. I held a mortgage with Chase and unfortunately due to unforeseen circumstances I had a dramatic loss of income and was unable to make my payments. I approached Chase about a loan modification and began the process. Chase granted me a total of XXXX loan modifications and after a couple years of continuous stress accepted the last XXXX. We met every criteria they had for us regarding each and every modification but at the completion of each threatened foreclosure and the process began again. At the time of the final modification we were over XXXX in arrears. As part of the loan modification agreement Chase stated they would remove ALL late payments from my history and to the credit bureaus. This has not happened and am looking for them to hold good on their promise of removing the lates off my payment history and with the credit bureaus! This should have been done and needs to be done as soon as possible so I can obtain reasonable financing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Account opening, closing, or management

Complaint: someone wrote me a bad check. the bank deposited it, the money was there for 5-7 days. Then they took the money out of my account, overdrafting it as well. so i fixed it all. they got their money back and i continued to deposit again. Then they froze my debit card. So i went to the bank manager, at Charter one bank in XXXX ohio, and she said there was nothing wrong with my account and got me another debit card. It worked once, then they froze all of my money in the account. i did nothing wrong and i need my funds desperately. i just want to close the account and they wont let me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Account opening, closing, or management

Complaint: In XXXX of this year I tried to close a BofA checking account I had while in Texas. Before I could transfer all of some auto payments to new bank the BofA checking account went negative. I tried to transfer money from new bank to old to cover shortfall and close the account. The new bank had not released funds yet and the transfer XXXX {$100.00} XXXX was reversed. I have been trying to transfer money into the account to close it. But when logging online they say the account is locked. ( see attachment ). I have talked, in chat and phone, endlessly with support people who say that it is not locked. ( see attached. ) I have been going over this with this bank for XXXX months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Credit decision / Underwriting

Complaint: I forgot that I had autopay set up and accidently made an extra payment and Nationstar Mortgage would not issue a refund without a bank statement or having a XXXX bank customer service representative on the other line. XXXX even stated this was unusual and they should have just issued the refund. This causes me to be short on money for groceries, and utility bills for a longer than necessary amount of time as well as causing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Late fee

Complaint: I have a Lowes card with Synchrony Bank. I set the account up on reoccurring payments on XXXX XXXX, 2015 to pay the balance in full on the payment due date. On XXXX XXXX, I logged in to my account and the payment had not been processed and the put a late charge on my account. Please, someone do something about their fraudulent misleading practices. I will never use the Lowes card again and paid it in full.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NC).
Issue: Settlement process and costs

Complaint: I HAVE BEEN UNABLE TO GET THE ANSWER TO A SIMPLE REQUEST AND HAVING RECIPIENT CHANGE THE PRIOR REQUEST TO AVOID ANSWERING. I WOULD LIKE THIS TO SERVE AS A QWR-QUALIFIED WRITTEN REQUEST TO ADDRESS THE ERRORS IN THE AGREEMENT AND DISCLOUSURE STATEMENT BEARING THE BLANK ENDORSEMENT OF XXXX XXXX XXXX. I RECEIVED A COPY OF THIS ENDORSED IN BLANK DOCUMENT RECENTLY AND ASKED FOR THE TIME THAT SPECIALIZED LOAN SERVICING CAME INTO POSSESSION OF IT. THE RESPONSE WAS DENIED AS WELL AS CHANGED IN NATURE OF ACTUAL REQUEST. IF THIS IS MY ALLEDGED LOAN DOCUMENT I AM ENTITLED TO INFORMATION CONCERNING IT.

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 02/14/2017 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Grant and Weber, when you call the number you get only offer after offer, you can not enter the extension given on the letter. Then you are given a new number telling you the original number has changed, but it is more offers. I am unable to speak with a live person about this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Auto) with United PanAm Financial Corp. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: the creditor contacted my ex wife and falsely told her that i used her as a refernce and disclosed my information to he also stating to her that if i drive the vehical that " I would be in big trouble ''. I do n't know how they even got her information to began with. Creditor is united auto credit corperation, the angents name is XXXX and his ID # XXXX.

Company response to consumer: Closed with explanation