milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GLOBAL CLIENT SOLUTIONS, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My wife and I were victims of fraud committed by global client solutions. I had approximately twenty accounts go into collections because of them. They charge us a fee and made a promise to help us with a debt consolidation. They did not do anything and because of that, I fell into a lot of bad debt. I tried fixing the accounts but they just wanted part or all of the money that was owed. It was too much and so I only fixed what I could and the rest went into collections. I have been paying collection agencies and making settlements but they have not updated the credit reports. I see a lot of negative remarks that are not suppose to be there. Before global client solutions my accounts were in good standings and global client solutions ruined my credit. I need it fixed or eliminated. The accounts that I already paid should be erased, I did not recklessly do this, the company that I trusted to do a job ruined me and my wife. I need to know what to do or how you all can help me. Like I said, the accounts have payment arrangements but they are not getting updated in the three credit bureaus. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Due to health concerns I was not able to work my XXXX as strong as possible and due to reduced income I became delinquent on my Ocwen serviced mortgage. In XX/XX/2015 I continued to work with Ocwen providing them enough documents for a complete package. Recently, underwriting Ocwen declared that my loan modification request would be denied because of too many loans in a certain " investor pool '' having already received a loan modification and therefore they are closing out my case and giving me a denial. Upon conversations with mortgage professionals and visiting a HUD approved housing counselor, everyone said that this was the first time they had heard of this reason for not allowing a loan modification. I would like to have someone follow-up to see if indeed this reason is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I apparently ( according the Nationstar Mortgage ) in 2012, took care of that issue. We received a letter stating that we owed {$1100.00} in late fee, I contacted Nationstar they confirmed the amount and that i needed to pay. After an hour on hold / transfers i choose to speak to an agent in the XXXX ( their call center is in the XXXX the person would not tell me even when asked directly ) After speaking to someone in XXXX, she said, " I reviewed your account and those fees were deferred '' so the first XXXX people for Nationstar would have gladly taken my money that I DID NOT OWE. 
Lesson - DO N'T TRUST NATIONSTAR, keep ever record I 'm currently hold in get it documented!

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I moved XXXX and let my recently widowed stepfather and motherless sister move in after me. I left the cable plan going for them, too, which I had with XXXX. 

They bounced checks and did not tell me, nor did XXXX. Once XXXX had had enough, they canceled the service, seized the equipment in person, and put on fees for returned checks, early termination, and for the equipment that was seized. They sent the debt to a company called AFNI. 

AFNI asked that I pay some {$1400.00} for not paying a cable bill - when asked to justify that amount they said I had to call XXXX. I did. XXXX said they charged me for the equipment - I said I 'd pay what I owed, but not the equipment, since my family told me that someone came and took it. XXXX said to wait while they did inventory, and to not pay anything to anyone until they did, and then after to pay them directly. 

I waited. 

XXXX said they found it and the new amount was some {$970.00}. I asked if it was on my credit report yet, they said no. I asked what I had to do to keep it out of my credit report, and did exactly what they said I had to do. They offered a payment schedule plan and I said I could do it in two months, and did. 

After the first month 's payment AFNI put a hit on my credit report. I called XXXX and they said it was a mistake, that they 'd delete it, and that once I paid the rest they would do so. I did. Nothing happened on their end. 

I called back over the course of months trying to get them to do what they said they would do, to honor their original agreement to not put anything on my report or to delete it once it was put on there. I got mixed answers ranging from " some other department will do it '' to " we will call you back '' to " the last person lied we do n't do that at all. '' I appealed directly to the credit agencies and XXXX and XXXX deleted it quickly, without incident. XXXX says that I " settled and paid less than the full amount '' ( I did not, they asked me to pay more than I owed in the first place! ) and that I defaulted ( I did not, I paid exactly as they told me to, and explicitly asked what to do to keep it off of my credit report, and did as told ). 

XXXX states that AFNI claims they own the debt and that it 's mine, despite XXXX being paid by me directly and AFNI 's refusal to work with me regarding the amount I actually owed. XXXX refuses to either delete it or correctly remark that I did not settle for anything, but rather paid what I was told I actually owed in the first place. 

XXXX records all of their phone calls and refuses to give me copies of these calls despite telling me they would in XXXX6 weeks in XXXX. It is now mid XXXX. 

Do not trust XXXX. Do not trust AFNI. Do not do anything without getting it in writing. Stay persistent if this ever happens to you, and do n't try to throw your family a bone after your mother died.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: My estimated closing date is XXXX for a condo purchase ( today is XXXX ). All throughout the month I have been reaching out to Bank of America proactively to ask for status, to push for things to get done. For the past week, I have had to push even more because they could not come up with a closing date or provide an update on when my loan can be approved, even though I provided everything they asked me to provide. They provided me with a closing disclosure yesterday without explaining the urgency of me reviewing it ; it was only when my agent told me the importance and urgency that I realized if I did n't review it there would be implications. Luckily I reviewed it before the day was over. With 2 days to closing, and with the seller pushing for a closing date, and with me not knowing my living situation as my lease is expiring and I am to move out of my current unit by the end of the week, Bank of America 's answer is on my pushing for a closing date is as follows : " I ca n't tell you a 100 % date that this will happen because we are working as fast as we can to approve the loan. I believe there is greater than a 50 % chance that the loan will be final approved this week and an extremely high chance of final approval being done next week. '' Does Bank of America expect everyone to just be flexible with their living situations ( including my leasing office in my current unit, and the next tenant to move in ) and just pick up and go whenever they decide to come up with a closing date?? No matter how many times I pointed this out to them, my statement gets ignored. They tell me they have a backlog of applications to review. If they are so overwhelmed with applications, they should not accept that many to begin with! It is unreasonable to assume that a consumer should suffer and put their live on hold because of a bank 's " backlog '', and not provide a consumer with an expected date. For now, I have had to plan to rent a temporary accommodation and put my life on hold until Bank of America decides when it is of their convenience to come back with a closing date to us.

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried to dispute two items with Transunion, and the credit reporting agency steadfastly refuses to update their records to reflect what is in my XXXX report. If they dont comply and soon, then I feel at this point the only option left for me is to pursue a remedy in either small claims court or through the federal court system. 

The two items in dispute are an account from a company named XXXX back in XXXX which is no longer in business as I understand it and a student loan from XXXX ( a private company ). The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX XXXX. XXXX continuously reported the loans late on my credit even though they never were.

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 09-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Privacy

Complaint: American Express repeatedly makes soft credit inquiries to my account using multiple addresses. They have been asked to stop because I have a lifetime opt-out in place on my credit report. They refuse to abide by Regulation and stop doing it. They have acknowledged in writing that 1. I have no account with American Express 2. That I have been on the opt-out list for years. 

American Express claims that they " can not stop '' because they are automatic inquiries. They need to find a way to stop. This is the most ridiculous answer that I have ever heard. I can not believe that is an acceptable reason to violate Federal Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with DISCOVER BANK (MN).
Issue: Other

Complaint: On Tuesday, XX/XX/2016 I logged into my account to review and went to the Activity & Statements page. The page read the following : Last Statement Balance : {$120.00} Payments and Credits : + {$0.00} Transactions : + {$63.00} Current Balance : {$190.00} If you do the math, that is incorrect. {$120.00} + XXXX = {$180.00} and not the {$190.00} they are saying. Discover is trying to illegally take additional money from me that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Private student loan debt) with EOS Holdings, Inc. (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: EOS CCA is a third-party debt collector for student loans that has been excessively calling me on my cell phone multiple times a day ( a regular  schedule would be at XXXX, XXXX, XXXX, XXXX, XXXX, in a single day ). After I asked them over the phone to stop calling me on my cell phone, they began to call me on my direct line at work ( starting at the beginning of XX/XX/XXXX ). I informed them that I was not allowed to receive personal phone calls at work and asked them not to contact me on the number any longer. They continued to call me at that number, despite being told that I was not allowed to answer personal calls. They also began calling my companies general telephone line looking for me and stating that they were calling to resolve " outstanding financial debt matters. '' They were again told by our receptionists that employees are not allowed to take personal calls at work ( they were told this in XX/XX/XXXX ). It is now the end of XX/XX/XXXX and they continue call both my direct line and my company 's general line on a daily basis, multiple times a day. EOS 's  failure to follow federal debt collection practices is now jeopardizing my employment and could cost me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been paying on a student loan to Wells Fargo that was purchased from Wachovia Bank over 13 years ago. I am co signor. My son XXXX XXXX is the student. He states that a few years ago, he got a buyout on loans from XXXX and paid them off. He contests that the Wells Fargo loan is or is partially bogus. I am co signor so I was not aware of any settlement. I am trying to buy a house and these are on my credit report, FOR YEARS, even though I have been paying {$200.00} month. I have spoken to XXXX over the years but never got any information about the loan until recently. He said Wells Fargo would accept XXXX for settlement and I was going to use my XXXX club to pay it, but now I 'm not sure that I ever owed this amount and I have been paying on it for years. We had a fraudulent dealing with our local Wachovia Bank in XXXX PA and think this is a case of fraudulent billing. XXXX said something about interest and compounding on a loan. At any rate, I would like this investigated. Having this on my credit report for years has hampered my ability to do anything, and I have been paying on it for years, never late. Please advise ASAP.

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 07/28/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Advertising and marketing

Complaint: GAP employees were giving false credit check information in order to convince customers to open store credit cards. My credit score is affected negatively and I have no way of reversing the credit inquiry. 

I had a Banana Republic credit card I opened years ago while in college. Recently when I was making a purchase at Gap on XXXX/XXXX/15, a sales rep ( cashier # XXXX, store # XXXX ) looked up my account using my social security number. She informed me I could use that old account WITHOUT having a credit check. I doubled checked with her XXXX times to make sure there would not be a credit check. Nine days later on XXXX/XXXX/15, I received a brand new Gap card in the mail that stated I have been a customer since only 2015. I called the Gap credit card number and found out to my surprise that my credit did get pulled for a brand new Gap card! In fact, I would never have agreed to have my credit pulled for a new credit card under any circumstance as we are in the process of buying a new home. I tried speaking with a customer service supervisor and was told the wait would be hours to get one on the phone. I said I would wait and was told by the representative XXXX that her supervisors " came over XXXX '' to inform her I have to call back in the morning to ask to speak with a supervisor. She said the best she could do was close my account, without promise of any reversal in my credit pull and the negative effect on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX The company " Credit Protection association '' XXXX Texas XXXX placed a collection in the amount of {$88.00} on my XXXX credit report on behalf of XXXX. I do not owe this money and XXXX has no record of ever sending my account to collections. 

Credit Protection association made no attempt to contact me by mail or phone. They did not give me an opportunity to dispute the error. I was not aware of the amount in collection and have proof that I am in good standing with XXXX. I recently applied for a mortgage and learn of this collection and Credit protection told me when I called the first time that they had no record of me in their data base. Two weeks later when I called they located the file. 

They refused to remove this from my credit report until they Verify with XXXX and they told me that they will not provide me any updates. They also refused to provide me with documentation when they clear up the matter. I need this for my records and to provide to my bank. 

My XXXX account is XXXX. I have been with XXXX XX/XX/XXXX and in good standing as my account has always been on auto pay.

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 01/25/2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company received an insurance payment, so they are trying to bill me on an amount of money they have to write-off. This is a contract that the facility I was seen at has with my health insurance provider. I contacted my provider and they confirmed that a payment was made not one, but twice. This is fraud!

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: as of XX/XX/ 2018, XXXX XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of 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 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I recently went on XXXX to obtain my annual free credit report. The reports were provided free of charge with no problem by both XXXX and XXXX however Trans Union some how through their website signed me up for some type of credit monitoring that I was not aware of. They have consequently charged my bank account a total of XXXX for what I thought was supposed to be free. It is the principle here the other XXXX credit agencies did it the right way but Trans Union in some as far as I am concerned fraudulent way made me pay for my credit report. I would like to file an official complaint against Trans Union for their misleading practices!

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 09-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Other

Complaint: Capital One took my payment made on XXXX XXXX, 2016 and did n't apply the payment to my credit card account thereby leaving an outstanding balance of {$430.00}. I should have Zero Balance with a credit of {$38.00} Dollars. 
Because Capital One stole my payment of {$470.00} and did n't apply it to my account they messed up my Credit Score and brought it down to XXXX. I use to have a Credit Score of XXXX or higher. 
I went to purchase a car and because of Capital One my interest Rate was XXXX per cent and I had pay {$2000.00} Down Payment. I want Capital One to apply my payment of {$470.00} and Close the account in good standing stating the account was paid in full with no missed or late payments every month.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Saying I owe at Wells Fargo and also saying I owe at XXXX XXXX XXXX which I have never open any of those accounts ever so now my account is on freeze because of this.

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 05/27/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage though PennyMac and have had XXXX instances of them obtaining insurance on my behalf which was inappropriate. 

In the XXXX case, I was notified by PennyMac that I was no longer required to hold Flood Insurance as FEMA had reclassified my location. I returned their form letter in XXXX of XXXX requesting that they not pay that insurance when it renewed. In XXXX of XXXX, PennyMac paid the renewal in spite of my written direction. After more than XXXX calls to their insurance and escrow departments, I gave up - not having received any money back. 

In the XXXX case, PennyMac had renewed my home owners insurance through XXXX XXXX in XXXX XXXX and for reasons that I have not been able to determine paid for a second home owners from a company called XXXX XXXX in XXXX of XXXX. I believe that they were scammed by someone posing as a XXXX XXXX employee, as XXXX XXXX denies having anything in my name and does not do business in XXXX. Once again, I have been completely unable to get PennyMac to re-imburse me for the missing funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was a victim of fraud and it is my understanding that it is my right to place an extended alert with all XXXX credit bureaus and receive a free credit report to check for discrepancies. All of the credit bureaus have automated telephone response systems and do not allow for a consumer to obtain a free credit report due to fraud and/or place an extended alert. Furthermore, none of the bureaus offer to speak with a customer service representative.

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