milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last XXXX or so dollars was turned back over to the State through the Alaska XXXX XXXX XXXX XXXX XXXX to satisfy the remanding balance of the loan. The Alaska XXXX XXXX XXXX XXXX sent me a letter verifying the debt had been paid. The Education Loan I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska XXXX XXXX XXXX XXXX regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska XXXX XXXX XXXX XXXX stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.

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 06/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion 's credit report is filled with false information which has damaged my credit score. Per their instruction via telephone, on XXXX XXXX, 2016, I mailed them a letter stating the corrections that needed to be made and attached proof of my identity.They had told me that they would contact the creditors and have the problem fixed within 5 to 7 days. I continued to receive credit reports that carried the false information so I contacted them again by phone today, XXXX XXXX, 2016. A supervisor, XXXX, told me that they only contacted the creditors 9 days ago! Due to my false lousy credit score, my home insurance policy premium was raised. My husband and I applied for a small ( {$5000.00} ) line of equity and could not be approved due to my score. The other XXXX credit bureaus show none of the false information that is on my Transunion report. Unfortunately, this is the company everyone refers to and I ca n't get them to fix 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 02-09-2016 about Mortgage (Conventional fixed mortgage) with MB FINANCIAL, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My roof got damaged by wind. XXXX XXXX insurance issued a check to me to replace the roof. The check needs mortgage company MB Financial endorsement. I sent the check to them and MB Financial deposit check on XX/XX/2015. I submitted all required document to MB Financial XXXX/XXXX/2015. MB Financial still hold the check. Without their check I can not hire roof contractor to fix my roof. XXXX XXXX has already approved and paid the check. But the XXXX XXXX check is still holding by MB Financial for more than 6 weeks. 
I need MB Financial to send me the check as soon as possible to fix my damaged roof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 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: Information belongs to someone else

Complaint: My wife and I were looking to purchase a new home and submitted an application for pre-approval. When our Real Estate Agent advised me that I had some collections I needed to pay off, I was confused because I have never ever used my credit for anything ever. I have always paid cash for everything I have ever had or my wife puts everything in her name. I looked at the report and reviewed it and noticed that there were items that belong to my father, XXXX XXXX XXXX, reporting on my credit report. I submitted request on XX/XX/XXXX to XXXX, Experian, and XXXX to advise them that they were reporting my father 's credit collections on my credit report and asked them to remove them. All 3 credit bureaus indicated that they were completing an investigation. XXXX removed all of the items after their investigation, Experian removed only 2 of the 4 items, and XXXX removed 2 of the 4 items as well. I am scratching my head as to why Experian and XXXX only removed 2 items and not all 4 because none of them belong to me. I sent in a written request to Experian and XXXX on XX/XX/XXXX advising them again that they reporting was incorrect and violating my rights under the Fair Credit Reporting Act and also provided them with the finding of XXXX. I also requested that they send me copies of the information the claim to have received to verify that the collection items belonged to me because I knew that there was no investigation done that verified debts that do not belong to me as valid. They have stopped replying after my 2nd attempt.

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 05/26/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I ordered a payoff on XXXX and the company has not provided within the required XXXX business days.

Company response to consumer: Closed
Consumer complaint received 08-12-2016 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI).
Issue: Deposits and withdrawals

Complaint: My primary bank is FirstMerit. My branch is located in XXXX, Michigan. FirstMerit recently added an online service with which one can transfer money into one 's account from another bank without a fee. Here is the problem. FirstMerit is making egregious use, in my opinion, of the float. This week I initiated a transfer from my account at XXXX Bank in XXXX, Mississippi. I initiated the transfer, through my FirstMerit website account, on XXXX XXXX. The money was debited from XXXX on XXXX XXXX. But, FirstMerit wo n't make it available to me until XXXX XXXX. In other words, they are getting the benefit of a four day float. I do most of my financial stuff on line, and I know that FirstMerit had my money on the XXXX ( everyone else, banks, credit cards, creditors, etc. manages to do same day transactions ). so, my complaint is that FirstMerit Bank is harming me by hanging on to my money for four days without justification. I can of course provide bank statements and documents to support these assertions. And, I have now observed this pattern repeatedly, as i have been making transfers for several months now and every one follows the same pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX, XXXX I requested validation from FCO regarding collection account reported on my credit report dated XXXX/XXXX/XXXX. 

They provided proof on XXXX/XXXX/XXXX ; however the " Statement of Security Deposit Accounts '' document dated XXXX/XXXX/XXXX does not provide dates of amounts in " Balances Due '' section. There is a " New Charges '' section reflecting {$1300.00}, with no itemization of these charges. Additionally, there is a {$750.00} " Damages '' charge ; however a Damage Assessment was not provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (I do not know) with EXPERT GLOBAL SOLUTIONS, INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since I have my new number, NCO FINANCIAL SYSTEMS , INC calls every morning/ sometimes twice a day asking for a person who apparently my new number belonged to in the past. Sometimes automated or direct calls. We have talk daily to let them know we do not know her/nor related to her in any way. for this is a new number, and they say they will stop calling but they continue. This has been happening for a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Checking or savings account (Savings account) with ALLY FINANCIAL INC. (AZ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have an bank account with Ally Bank and I have used the wire function of the Ally Bank. 

I have found the process to be extremely slow and have called up multiple times to confirm the wire amount and beneficiary with the Ally Bank Staff. 

I have spent hours on the phone dealing with Ally Bank staff and their wire department staff. I am very dissatisfied with the wire service they have provided and I kindly request that Ally refund me the {$60.00} I have been charged on wires.

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 07/21/2017 about Mortgage (VA mortgage) with ClearPath Lending (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/17 I emailed XXXX from Clear Path Lending to cancel the refinance. On XX/XX/ I received a call from XXXX XXXX to reconsider. I was emailed a 6-page proposal. I emailed back and canceled. XXXX XXXX called me back to ask me to reconsider and I said that I did not like this refinance because Clear Path Lending has raised my mortgage from {$400000.00} to {$410000.00}. I explained that was too high and asked why I am being charged {$13000.00} for a re-fi and thought that was too much. So, I said cancel. After I said that over the phone, a XXXX XXXX XXXX from Clear Path Lending came on the line to convince me that I would receive around $ 5000/6000 back. When he stated that I decided to go ahead with the re-fi. I called on XX/XX/17 and XXXX answered the phone and I asked when will I receive the $ 5000/6000. I asked to speak to XXXX XXXX. He said that XXXX was no longer working there. I asked about the money I was to receive and he stated to me where do you think that money is coming from. I told him about our conversation on XX/XX/17. He said he would call me back. He didnt call me. I called again today XX/XX/17 and told me he would call me back. He didnt. I never received the {$6000.00}. I would have never gone with this plan. I was tempted by the cash back. Also sent to BBB & FCC.

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 04/20/2015 about Credit card () with U.S. BANCORP (OR).
Issue: Other fee

Complaint: Hey there, I have XXXX Premier Rewards Visa Signature card which has {$75.00} annual fee. I am paying for the annual fee because I like XXXX of the benefits called " bonus award night '' which you pay the points of XXXX night for XXXX. However, they suddenly announces recently that that benefit will be removed soon. The agreement we signed up for CLEARLY SAYS GET THAT XXXX free night AFTER PAYING THE {$75.00} FEE. They dont live up to their terms & conditions and annual fee should be refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information and allowed my sensitive personal details to be stolen by hackers. I am listed as a potential victim according to their equifaxsecurity2017.com website

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 XXXX/XXXX/XXXX, I received a mail letter from XXXX XXXX, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with XXXX XXXX, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact XXXX XXXX XXXX member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.

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 01-03-2018 about Student loan (Private student loan) with Kentucky Higher Education Assistance Authority (AL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Hi my name is XXXX, I have been in contact with a company called Kentucky Higher Education assistance authority, This company has used every deceptive skill available. Whenever I would ask for verification into what company are who I was dealing with, I was always given misrepresentation and received some form of harassment. I still do n't know if the company is a collection agency or are they the XXXX XXXX. I feel from the deceptive forms of communication I have received from this company is brutal and unfair. I reached out to this company after receiving correspondence about a student defaulted student loan. Once I asked them to verify who I was sending information to, I was held in contempt for refusing to verify demographics. From my understanding of the law this company should not have been able to proceed with wage garnishment if I was working with them to rectify the problem. They constantly harassed me with threats of wage garnishments and said that my income tax was due to be garnished as well. The more information I sent this company, the more information they used against me. I worked three extra trips in XXXX to be able to pay off classes at XXXX XXXX in XXXX of XXXX. So, I could continue taking classes in XXXX. My wages was garnished for XXXX on the XXXX of XXXX and on the XXXX of XXXX a total of XXXX or more. I cant understand why I did not receive a thirty day notice stating the exact dates the wage garnishment would go into effect. I also cant fathom that this company still has n't told me if they were working on behalf of a collection agency or a private student loan company.., or the XXXX XXXX. I reached out to the XXXX XXXX for assistance and ask if they could contact me if they were indeed the XXXX XXXX. I never heard back from XXXX XXXX XXXX. I was asking for assistance in seeking out information into whom or what company I was dealing with, however I did hear back from XXXX XXXX once I faxed my personal information to Kentucky Higher Education Authority thanking me for submitting my information to him ( supposedly the XXXX XXXX ). I replied back that I did not send them information, however, confused still. This company XXXX  XXXX has violated so many of my rights. I also cant believe how the XXXX XXXX could form an in-biased opinion if they are working for or with the legal team for XXXX. I asked if this was a private company how come I was n't issued a court date or judgement. I guess since I do n't know who I have been dealing with from the start I started looking for legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with KEYCORP (PA).
Issue: Closing on a mortgage

Complaint: Key bank took over my home equity line of credit from XXXX XXXX. We sold our home so this loan needed to be closed. The paperwork was submitted at the time of settlement on the home. However, the line of credit was never closed or the lien removed. I also found out that there had been an overpayment of what we owed on the line of credit. this was over a month after the date of settlement. The bank never made any attempt to contact me to let me know of the overpayment or to refund my money. To this date they still have not returned the overpayment to me. They are holding my money and refuse to return it to me. I have done everything they have asked me to do to resolve this and they keep telling me it will be another 10 to 15 days. This is unacceptable. They are withholding my money against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: i have 4 unauthorized transactions on my business checking account which i did not authorized. i have contacted the bank and filed a claim but my claim was denied without any investigation or reason. i have never authorized those transactions. please help XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$860.00}. 

XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$220.00} XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$75.00} XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$490.00}

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 07/22/2016 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Charged bank acct wrong day or amt

Complaint: This is closed on my credit due to this company not being able to validate this debt. This needs to be removed as this is not true or accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was astonished when I looked at my Equifax, XXXX  and XXXX credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I switched homeowner insurance companies in the middle of my policy. My servicer, LoanCare, refused to cut a check to the insurance company for the amount of my new premium because they claimed it " was n't their policy to submit XXXX checks to insurance companies within 12 months. '' I spent over an hour and a half arguing with different people in different departments and was told someone would call me back. Because of LoanCare 's gross negligence, my insurance payment is now 24 days late as of XXXX/XXXX/2016.

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 03/14/2016 about Credit card () with ENCORE CAPITAL GROUP INC. (MI).
Issue: Billing disputes

Complaint: im being billed for a credit card that is not mine over 7 yrs old they been stealing my tax returns the orignal creditor is first consumers XXXX XXXX XXXX XXXX account number is XXXX want it droped of my credit report and i want all my money they stold back with intrest

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Bank account or service (Savings account) with BBVA COMPASS FINANCIAL CORPORATION (SC).
Issue: Account opening, closing, or management

Complaint: Received statements showing {$3000.00} in Savings, sent another request to have it closed and money returned to me. Still nothing.

Company response to consumer: Closed with explanation