milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting a closed collection account on my credit file from XXXX, a collection agency from XXXX, NY, in the amount of {$1100.00} that should have been removed months ago. In XXXX of 2015, due to questionable delivery and notification of the debt and subsequent suit XXXX agreed to close the account and remove it from all XXXX of credit files. To date Experian has failed to remove the trade line. I have discussed this matter on several occasions with XXXX and they assure me that the trade line was coded for deletion and sent. They further say that the error is the fault of Experian. Experian is also making it difficult to dispute this item with them and have taken unreasonable steps to make my dispute even harder than it should be. Unlike the other big reporting agencies they denied my right to dispute the trade line by going on-line or faxing supporting documentation. They required a phone call, which I attempted to make at least a half dozen times only to be stonewalled by complicated phone menus and hold times in excess of twenty minutes. This is definitely an attempt to break the spirit of the federal collection dispute laws. This is unreasonable of them ; XXXX allow on-line or faxed disputes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: First, I should not be charged the late fee, as I didnt know what I had to pay, since I had filed previous complaints with the CFPB and was waiting for them to be resolved.Please refund late fee and interest charged.

On the the interest, I logged on recently and noticed my rate is now 29 % ( apr I believe ). I think if anything, and according to the Obama Credit Card reform act, my rate, after paying more than the first six months off on time ( Im almost positive if not more than six ) should have gone down. I havent kept track so much but I doubt I had started with 29 % rate. So to sum up, please lower the rate based on the law I mention, and refund the interest and late fees. For XX/XX/XXXX for example, I was given a refund of both but never had a chance or knew what I should pay before Capital One considered it late.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 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: Their investigation did not fix an error on your report

Complaint: I have tried several attempts to get this account deleted and removed from my credit report. On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I again was notified by XXXX XXXX and Credit bureaus had verified the account. I obtained a vehicle loan XXXX and paid it in full and it was closed as per the report in XXXX. I have requested all documents on this account and it was not produced in over 60 days to verify this account. The first delinquency was XXXX XXXX and since this account is paid and closed I have asked that it be deleted and removed completely from my credit report being that it is outdated and the company did not respond with the asked for information in the time allowed. I had spoken with a customer service rep that stated he would fill out the form for deletion of the account required and that it would be removed from my credit reports This has not happened, some are still reporting payments from the day I opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Customer service / Customer relations

Complaint: I have talked to American Express customer service six times and their Credit Bureau Agency three times and they still have not removed the late payment status affecting my credit score. I have been in a relationship with American Express for eight years ( longer than any boyfriend I 've had! ) I was assured by XXXX in Customer Service three times over the phone that this late payment would be removed from my account. I had set up an auto pay and there must have been a computer glitch because the payment did not go through. This is XXXX payment over eight years, people! It was quickly rectified and my account has been in excellent standing ever since. 

When the late payment status was not removed, I called customer service again, and asked them to review the phone call with XXXX because they said they would n't remove the late payment. They said they would do so and I would get a phone call from a manager within XXXX to ten days. I never got a call from a manager. I called again and informed them of this and they said lackadaisically that they would listen to the recording " when they got around to it. '' It has been over four months that I 've been trying to get this resolved. 

When I talked to XXXX, he even three way called with their Credit Bureau Agency, so we were all on the same page. Please ask American Express to review this because they told me they would and they have not done so. I expected greater customer service from a prestigious company such as American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have owned a property in NC for over 10 years. When I purchased it needed extensive renovation. I did an interest only loan to preserve ma/ny for the repairs. This was XXXX. My husband and I also purchased a business during this time. From XXXX to XXXX we lost money at the business. I did a modification with Wells in XXXX. Since then we have lost the business and had to file a Chapter XXXX for protection against business debts, not personal. I have asked for help from Wells as we have paid 6.625 % for 10 years and have not gained any equity. They sent me an appraisal in XXXX showing the value as XXXX. When I contacted them about getting turned down for a loan modification or principle reduction I was told that I should look into a short sale. Why should I sell my home for XXXX where we all lose? I have told them that we want to keep and pay on/off our loan. I have worked in the XXXX for 20+ and can not understand how a consumer could navigate this process. I finally gave up and now my payment has adjusted up another {$500.00} per month.

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 05-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX accounts and XXXX address do not belong on my account I was not released from XXXX until 2013

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen sent my home into foreclosure in XXXX XXXX. Long story short, I paid it in full at the end of XXXX XXXX in the amount of {$22000.00} via wire. The amount needed to cure my mortgage was {$22000.00}. After that, I had no late payments and was not notified of any fees. When I pulled up my XXXX XXXX statement there was {$200.00} in " Past due fees/ other charges. '' I called Ocwen in XX/XX/XXXX and they did not know why the fee was on there since I paid XXXX the cure amount and had no late payments after that. They said they were sending it to their research department and would email me with the result in 10 days. I called today ( XXXX/XXXX/XXXX ) and spoke to operator # XXXX. He told me that Ocwen emailed me on XXXX/XXXX/XXXX with an explanation of the fees but I can assure you I received no such email. I 've been monitoring my email very closely for that letter because I 'm in the process of selling the house and moving into a new XXXX - I needed the letter to explain why there were fees and when they would be removed. During the foreclosure process ( which was sketchy at best ) Ocwen assessed me with XXXX " Property Inspection Fees '' totaling {$270.00}, all dated XXXX/XXXX/XXXX. They never came to the house and XXXX fees is very questionable. I 've attached that history so you can see all the fees/ charges we were assessed. I 'll also attach the XXXX XXXX statement where I noticed the {$200.00} that Ocwen is claiming was for processing after I had XXXX cured the mortgage. I do n't receive letters they claim to have sent, I can never get an answer when I call them, they wo n't remove fees that they never told me about and make no sense, and trying to understand anything with them is impossible. I am hoping you can help me by reviewing the fees I was assessed and by forcing Ocwen to return any unfairly assessed fees to me. In addition, I filed for a loan modification XX/XX/XXXX with them ( I may be wrong on the month ). They never wrote me or advised me of their decision. When I called they said it could take up to 6 months. I never received a decision or a loan modification. I 'm at my wits end with them and I truly do n't know how they are able to legally operate a business in this country. I would truly appreciate any assistance you can give me because trying to work with Ocwen themselves is impossible. Thank you in advance - I am glad you 're there to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (PA).
Issue: Can't contact lender or servicer

Complaint: On XXXX XXXX 2017, after the holidays, I was approved for {$200.00}. After going through the approval process I need to e-sign. I did so the lady XXXX XXXX ask if this was for the XXXX. I asked if XXXX was possible and she said yes. We would need to redo the esignature. After almost completing the second, I said " now I do n't want to end up with two of these loans, that is not going to happen, will it '' she assured me no. But it did. The second loan was thru XXXX XXXX, although outrageous ; I was able to get that paid off after 8 months ( XXXX ). I tried to contact XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX to pay off the principle of XXXX, which I have already paid XXXX in interest. They told me their systems were down and unable to adjust my account. I called back and pretended to open a new loan and they had no problem with their systems and wanted to set me up. I called again on XXXX XXXX and after half hour on hold finally demanded a supervisor. Her name was XXXX. She would n't give a last name, just employee number XXXX. She said there was nothing she could do, she would contact me in 24 hrs with payoff amount, but she never did. I have some emails and some written documentation of my attempts to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Payday loan () with Big Picture Loans, LLC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: When I agreed to a payday loan from Big Picture Payday Loans, I agreed to a XXXX loan and the XXXX interest to repay it. I was only to pay XXXX total as a re-payment. The first of XXXX I paid the XXXX dollars which was the interest payment. So I tried to pay the remaining XXXX on the end of XXXX and XXXX of XXXX the had added the XXXX back on the loan, and stated that I 'm suppose to pay XXXX each month plus the XXXX that I actually received. They did n't say that when I agreed to the loan. I 'm on a fixed income so had I known they were going to do this I would n't have done it. I paid XXXX on the first of XXXX, and again the said I still owe XXXX the are not even crediting my account. I asked to speak with a supervisor and they never would transfer me I kept getting " disconnected ''. I had to close my bank account in order to stop them from causing me overdraft fees. I need some assistance on what I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed a complaint on XXXX with Equifax XXXX XXXX and also with XXXX for a collection that was recently placed on my credit reports by a collection agency named XXXX XXXX XXXX. Allegedly, the collection agency, XXXX XXXX XXXX, claims that I have a unpaid XXXX loan with a company called XXXX XXXX in the amount of {$1200.00}. 

In the XXXX XXXX Virginia, it is against the law to obtain XXXX XXXX loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the XXXX of Virginia. With those laws in effect, how would it be possible for me to take out said loan. 

Also the XXXX loan laws in Virginia state that the maximum amount you can borrow at XXXX time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}. 

I was not notified by mail or by phone by XXXX XXXX XXXX of this alleged XXXX XXXX prior to it being reported to the credit bureaus. I 'm not even sure if XXXX XXXX XXXX is a licensed to do business in the XXXX of Virginia.

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

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a collection from the Enhanced Recovery Corp with XXXX XXXX XXXX. I have paid the debt to {$0.00} balance and it is marked as closed but I was told it would be removed from my credit report. Thank you for the awesome work you all do!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed a dispute with Experian. I requested for Experian to remove XXXX accounts from XXXX. I knew they had to be fraudulent accounts or extremely old accounts in which I can ask for deletion from my Experian credit report, so I filed a dispute and Experian did not delete, they informed me they are my accounts. This has to be a mistake made. The accounts have date opened in XX/XX/XXXX for each account and I did not attend school during that period. I have been out of school since XX/XX/XXXX in which I can produce proof of this. Also, I did not receive any loans from this organization in my last few years of college I which I can produce documentation. I had no accounts during this period of XX/XX/XXXX. I am not aware of these accounts and never made any payments on the account ; so either these accounts are extremely in which at this time I can request for old accounts to be deleted from my credit report or XXXX XXXX is fraudulent reporting dates and amounts as well as payment history so they can keep on my credit report, which is fraudulent. Again, I am asking for the removal of the XXXX accounts from XXXX XXXX, account numbers XXXX, XXXX, 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 09/27/2016 about Debt collection (Medical) with APEX Asset Management, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Medicare paid for XXXX % and Medicaid paid the other XXXX % and they are billing my for XXXX and I was told it would be removed since I faxed them proof. They are commiting medicare fraud

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage purchased my loan from my original mortgage company. I was sent information stating none of the terms of my loan could be changed. Nationstar refused to make payments from a volunteer escrow account that I had with my previous loan company. My homeowners insurance was canceled and I had to pay a portion of it to get it reinstated. I asked in XXXX of XXXX that my escrow account be removed from my mortgage statement. I paid my second qtr. taxes in XXXX XXXX and recently paid my 3rd qtr. taxes XXXX/XXXX/XXXX. Nationstar has been applying the principal and interest payments I have been sending to everything except my principal and interest. I was told in XXXX by a representative of Nationstar that my bill would be corrected and it would be reflected in my XXXX bill. Although my taxes are paid and all my principal and interest payments have been made to Nationstar, I received a threatening letter from Nationstar. And, now that they have sent a threatening letter, it is nearly impossible to get a representative on the phone. After a barrage of calls from Nationstar, and my attempt to contact them, I get a voicemail answering service for the first time ever. It appears Nationstar is attempting to ruin my credit in the process of trying to force me to send my taxes and insurance to them. They have added fees and requirements that were not part of my original loan terms. Once they were notified I was going to refinance my loan I received mailings and calls in an effort to get me to refinance with Nationstar. I have refused based on loan rates and since then Nationstar has attempted to bully me through coercive actions..

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: My mortgage servicer, XXXX XXXX XXXX, XXXX, has been intentionally and constructively harming me by reporting maintaining that my loan is in a default status and has been late for seven months ( in addition to the late payments reported when XXXX came on as my servicer in XXXX XXXX and immediately put me into default, whilst in a long term forbearance agreement due to a Hurricane litigation case with my my homeowner 's ). All attached documentation represents a clear and necessary forbearance agreement. I entered into a forbearance agreement with my servicer, as I was legally defending them in Hurricane XXXX litigation with my homeowner 's insurer, XXXX, because XXXX was heavily blaming the servicer for the damages on my property. In exchange for forbearance, the servicer at the time, XXXX, promised forbearance and credit suppression UNTIL THE LITIGATION WAS COMPLETED. We settled with XXXX in XXXX XXXX. XXXX inherited this agreement and never honored it, contrastly, they intentionally created and maintained a default status for my loan by shifting amounts into the time period that our forbearance agreement ended XXXX XXXX XXXX XXXX for their own nefarious purposes. This is NOT accurate reporting. XXXX however, accurately came to the determination that my account is 0 days past due and is paid as agreed. 
In addition to the inaccuracies that exist on my payment history, XXXX is also misrepresenting the payment amount that is due, as well as the statement that we had entered into an agreement to pay less. Please produce this document. I have requested a copy of such an agreement and have yet to received anything of the sort. In fact, XXXX has refused for over a year now to even explain the charges, internal codes or abbreviations listed on the accounting on my loan that XXXX repeatedly sends to me XXXX after promising to due so ), so it is impossible for me to make a knowledgeable and comprehensive determination as to what values are good and which are valid ; Therefore, any amount listed and reported on any credit bureau as the true and correct balance is a completely untruthful number because my account is laden with fraudulent charges. These adjustments that are being completely refused and ignored by XXXX and their representatives.

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