milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I 've submitted more than a few request for deletions by phone and by mail for all three of the credit bureau, XXXX, Equifax & XXXX. Effective XX/XX/XXXX law went into effect regarding the removal of public records and tax liens from credit reports, that if an item is on your credit report if must reflect Name, Address, Social Security Number/and /or birthdate this was issued from XXXX XXXX XXXX XXXX XXXX XXXX which became law. None of these  credit bureau have that information which has been made law and the records should be deleted from my credit file. 
In the same request I 've asked the three above listed credit bureau to provide me with a copy of the application or any verification that has listed negative information on my credit reports, specifically inquires made on ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ' & XX/XX/XXXX. ( Equifax ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.
To date I have not received this information and again they are  stating they will not provide any verifications. There is also negative information reporting from a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX account ending in XXXX, I have ask for verification paperwork to be sent to me and requested that it be deleted, the credit bureaus have refused and is not in compliance with the RECORD KEEPING REQUIRMENTS, Section 609. The 15 U.S. COde 1681g-Disclosure to consumers requires CRA 's to disclose the sources of  information regarding the negative events that are being reported by your agency upon request by the consumer. The credit bureau are regulated by the government due to the nature of their business. 
I am asking that all the above injurious items be deleted from my credit report from all three of the credit bureaus XXXX, XXXX & Equifax. 

" Great minds discuss ideas ; Average minds discuss events ; Small minds discuss people '' ~selah~

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (I do not know) with Conn's, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Never even applied for anything at Conn Credit Corp.If this is Conn 's store.I have never purchased anything there.Never even been to XXXX, Tx in the years of 2011 until now.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Previous Complaint # XXXX ag. XXXX/Nationstar never resolved in that no dox ever provided as to loan ownership, assignments, or transfer of servicing rights. Additional complaint now set forth in attached dox as to NS accounting errors. Have demanded an independent audit of NS accounting practices and an audit of their errors in my particular case. Thx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On the XX/XX/XXXX, I received a copy of my credit report and found that a lot of the information contained in my credit report is not mine. This information includes the date of birth listed on the report, many Derogatory Trades, Trades, Collection Information, Address Information and Inquiries that are not mine. After reviewing my report and determining that most, if not all, of the information in question, has been added to my report by Equifax. I have been trying to work with Equifax since XX/XX/XXXX to try and get my credit report straightened out but, all I get from them is a generic letter that states that I need to provide more info. I have repeatedly provided the info that they request, and even more info than they request, and I still get no cooperation from Equifax. In XX/XX/XXXX, after getting no response from Equifax, I filled a complaint with the XXXX of XXXX and XXXX Georgia. After filling this complaint, I started receiving the generic " more info needed '' letter, but that is all I can get out of them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is reporting XXXX XXXX three times on my credit report which is against FCRA. This account belongs to XXXX XXXX not XXXX XXXX and has been on my credit report since 2007 and not only did I not sign for this account, I never paid on this account and this account has been on my credit report almost 10 years and Transunion has the same XXXX account three times. XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX all all XXXX are the same account and that is against FCRA. Also, is attached a copy of XXXX application page with a signature, if XXXX XXXX compares it with my mortgage document which is attached, from my resident XXXX XXXX XXXX, XXXX XXXX, you cn see this is not my signature. Also, I attached m property tax document which shows the date I moved into my current residence,XXXX. Between the XXXX residences, it has exceeded 15 years and was not residing at the address on XXXX XXXX application. I have never signed, received documents from this organization or paid on this account. Please remove these frauduelent accounts from my credit report immediately.

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 09/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX is issued class action settlement because of inaccuracy and false information. class action what adverse action removed from credit reports.

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 08-12-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I was shopping for an investment property mortgage refinancing and XXXX XXXX XXXX ( XXXX ID XXXX ) from Wells Fargo, XXXX XXXX, Iowa was helping me. He quoted me an interest rate of 3.5 % with a 3.679 % APR. He also stated my credit score was XXXX. My credit score is around XXXX from the XXXX credit bureaus. In addition, XXXX stated the appraisal fee would be {$470.00}. When XXXX e-mail me the loan paperwork, the interest rate is 4 % and there is a whopping {$8000.00} closing costs for the loan. The appraisal fee also changed to {$720.00}. I called XXXX and e-mailed XXXX asking why. He never returned my calls or respond to my e-mails. This is deceptive advertising on behalf of XXXX and Wells Fargo. I do n't know how many more consumers are being ripped off from people like XXXX and Wells Fargo if they do n't read their paperwork. Something should be done about this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX I was under the mortgage modification program with XXXX XXXX. I follow the plan with payments. All payments were on time. XXXX XXXX reported my mortgage late 60 days to all credit bureaus. I called to dispute this with XXXX XXXX and they said there is nothing they could do for me to correct the mistake. I disputed the information with the credit bureaus and XXXX XXXX did not correct the error. I received a letter from XXXX XXXX XXXX saying they made the error. This error caused my refi request from XXXX XXXX XXXX to be declined. This error cost me Thousands of Dollars in interest because I could not refi the XXXX XXXX Loan. I am still paying 1.0 % over the current rates today.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Somebody took out my money {$9700.00} from my business bank last week XXXX/XXXX/2016 without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (KS).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: i got title loan on my XXXX XXXX XXXX, valued at XXXX for XXXX/XXXX! from the jump i had problems with the almost XXXX XXXX payment but i tried! the first time i had a check for XXXX mailed, thats when i learned they dont take checks! then i tried to bring in XXXX cash and expained i had to wait for the rest of the cash from the check! thats when they stated they did not take partial payments! at this point im behind and can never catch up cause they dont take partial payments. so the van got repo and im not fighting it! my problem is i owe more with them having my car then where i started! my van was valued at XXXX and they only sold it for XXXX XXXX leaving me a balance of XXXX.. which mean i just gave them my car and owe more for the car!!! thats some bull ... and doesnt even make sense or like they was really trying 2 recover this money cause they knew they would continue to collect from me! they could have let me keep my van if selling it was going to keep me in debt!

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 10/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Problems caused by my funds being low

Complaint: Bank of America charged an overdraft fee of {$35.00} for a transaction that did not overdraft the account. I have attached a download of the transactions with the transaction in question highlighted. As you can see there is a balance of {$62.00} after the transaction is processed. I have also attached the email indicating I was charged a fee. This is clearly an error, or more likely an intentional fleecing of the customers of this giant corporation.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Told I may have been affected by the recent data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Whom it may concern, My mortgage loan is servicing by Ocwen Bank. They sent me a letter with the notice my interest rate changing to 3.125 % ( old rate 2.875 % ) and payment will go up to {$2300.00} My current payment is XXXX and it 's increase by XXXX %, when interest went up only .XXXX %. 
So how is can be? Well it could be, if the loan is going in the full payment. I would like to get explanation, why do they do against the contract? As per contact that could be happening only after XXXX payments were made. The loan starts on XXXX XXXX XXXX, so it should happen only in the XXXX XXXX. All documents are attached. 
The second is interest rate : My most recent statement said ( also attached ) 2.875 % is good until XXXX XXXX XXXX. So it 's meaning the new 3.125 % is wrong? 
These people do n't know what they are doing? How many customer are same situation or just do n't pay attention what is said on their statements. 
Please take action and somebody got to be pay for the mistakes? I would like a get fix rate, that 's all I want. They are refusing me to do a loan modification for 5 straight years. ( including IndyMac ). 

Please help us we would like to keep our house, but it feels now, just would like a quit and wait for few years, and buy house with different bank. It 's sad when they have this " Helping Homeowners is What We Do! '' is complete opposite in the real life. 

Thank you XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold bank account after receiving a promotion for XXXX XXXX XXXX points. I called Citi bank to make sure the promotion was on my account. I then proceeded to meet all the criteria which included two bill pays on my account and spending money on my debit card. Once I had met all the requirements I contacted them since I did not see any points added to my account. They informed me that I had met all the requirements and had to wait up to 90 days for them to be posted to my account. I waited the time period, during which I had monthly fees taken out of my account. Once the 90 days were up I contacted Citi again and they informed me I would not be receiving the points. This was a horrible experience and very dishonest of Citi to say I had the promotion and met all the requirements but they were n't upholding their end of the deal.

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 05-10-2016 about Debt collection (I do not know) with Merchants and Professional Bureau, Inc. (CO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Got a phone call from Merchants & Professional Credit Bureau a 3rd party debt collector using the the words Credit Bureau in their name ... .threatened me if I did not cooperate and refused to disclose who they are when I asked specifically. They told me my date of birth but would not tell me anything else ... .they also called my father and this is harassing me and my father! We are legal residents XXXX, and this debt collector is 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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been calling Equifax and XXXX to remove or at least update my XXXX  XXXX University Personal Loan item from my Account. 

The account was paid in full XX/XX/2013, however my credit reports now says that the item is over 120 days unpaid which is not true. I am submitting an authorized letter from XXXX  XXXX University stating that the account was paid in full XX/XX/2013. 

Please have this updated to the correct status or remove it completely because it is full of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (WI).
Issue: Using a debit or ATM card

Complaint: My wallet was stolen and my Rushcard was used with my pin. I filed a dispute and was told because my pin was used, there was nothing they could do, they closed my case, and then told me to do a rebuttal and get the case reopened then they will investigate. I got a new card from them but I feel they should have investigated when I reported that my card was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: company, S.P.S. mandating flood insurance but XXXX says I have valid XXXX letters. Insurance not required S.P.S. will not honor XXXX letters charging new escrow account will not respond to inquiry for information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (FL).
Issue: Delinquent account

Complaint: I attempted to pay my past due balance of {$2100.00} on XXXX/XXXX/2016 via XXXX XXXX on my XXXX account. I was not aware that XXXX did not have a bank to bank payment option with XXXX. Thus, even though I fully attempted to pay on the due date, the payment did not post until XXXX/XXXX/2016 because of the check method, the weekend and the following holiday XXXX on XXXX/XXXX/2016. I called XXXX to resolve this issue and did not receive any help. XXXX then charged me a very large late fee and reported to the credit bureau that I was late by 30 days.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: ON MY EXPERIAN CREDIT REPORT THE ACCOUNT FOR XXXX ACCOUNT NUMBER XXXX THIS ACCOUNT WAS OPEN INXX/XX/XXXX AND I STOPPED MAKING MY CABLE PAYMENT TO THEM IN XX/XX/ DUE TO THE FACT THAT I HAVE MOVED AND I WAS UNABLE TO GET XXXX ON WERE I LIVED. THIS ACCOUNT IS REPORTING UNDER MY BANKRUPTCY AND DISCHARGE ON MY EXPERIAN CREDIT REPORT. THE ISSUE I AM HAVING IS IT REPORTING THE WRONG DATE AND YEAR WHEN I BECAME LATE. IT SHOWING XX/XX/ IT SHOULD SHOW XX/XX/XXXXON MY EXPERIAN CREDIT REPORT IS SHOW SHOW FIRST REPORT XX/XX/ NOT XX/XX/

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 07/20/2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Problems caused by my funds being low

Complaint: I have been closing my account at HSBC by cancelling all of my activity in the account for the past two months. HSBC refused to notify me when a request for withdrawing funds from XXXX XXXX came in and I had no money in the account. They have my email address and often send me emails for new products and services. They deliberately covered the check so they could collect on the fees and penalties for an overdrawn account. I do not have overdraft protection, so they should not have covered the check and should have notified me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Our property was stolen in illegal forclosure action by OCWEN IN 2012. 
WE WERE NOT NOR WERE WE EVER IN ARREARS AND HAVE BANKING DOCUMENTSTO PROVE IT!!. 

OCWEN became our servicer after the original bank XXXX XXXX XXXX was raided by FBI for fraud.The CEO WAS creating fake accounts using our and other clients mortgage payments to secure TARP money being doled out by Obama Admin ... There has been a recent consent judgement against OCWEN since this occurred we have been before PA superior Court BEFORE THE CONSENT JUDGEMENT the court did jot perform due diligence on our behalf ... a gross miscarriage if justice nor did they follow rule of law relating to standing and OCWEN NOT HOLDER OF OUR NOTE ... we have a case that we plan to move for ward on against several including PA AG OFFICE ... GOT INCLUDING CFPB ... YOU WERE COMPLICIT IN THAT YOU DENIED OUR REQUEST FOR HELP AGAINST OCWEN THAT WE MADE IN XXXX SEPARATE COMPLAINTS ... .YOUR REPLY TO US WAS THAT.OCWEN DENIED ALL SAID VIOLATIONS ... YOU THE CFPB TOOK THEIR WORD AGAINST THE TRUTH AND OUR PROOF. 
Several firms have stepped forward to take our case filing some XXXXplus charges XXXX of the charges will be levied against CFPB ... the response letters from CFPB are stunning in context ... ..our lives were violated by banking fraud and a subsequent crime by OCWEN a company that you investigated for clear violations of banking law. The following fields will be marked regarding loan ... because your site does not offer SPECIFIC ENOUGH reasons bother than surface loan info to catagorize this complaint..I want this to be acknowledged in effort to avoid more excuse from CFPB for not performing their job as taxpayer entity.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO).
Issue: Fraud or scam

Complaint: I friend XXXX dad sent me a friend request on XXXX last night and I accepted. He started off by telling me if I had heard from the XXXX and I said said no what is that? He said he had seen my name on the list and to text them at XXXX. I did because I know and trust him. He stated t he had received money and that since he seen my name on the list I need to contact them. I was connected to a XXXX XXXX and he asked me some questions and said I indeed was eligible. I had XXXX XXXX 's dad telling me me what to do through XXXX. I did what he asked and I sent XXXX through Money Gram this morning. Come to find out XXXX 's XXXX account had been hacked and I was not speaking with him at all. I did not know this at the time. I have made copies of all messages between both men. I was deceived and scammed by these men! I am on Social Security XXXX and can not afford to lose XXXX. I was up until XXXX researching this and did not feel right, but thinking XXXX was XXXX I trusted him. I am now out of XXXX.

Company response to consumer: Closed with explanation