milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Euqifax shows my mortgage with XXXX as being resolved/included in bankruptcy : it was not ; is still current today with 3 plus years of perfect payment history. Also, had XXXX other small loans successfully through XXXX in last 3 years that are not on the report. Also shows XXXX XXXX credit card account as being resolved in bankruptcy. It was not, and along with another XXXX XXXX credit card, and XXXX other credit cards, are not listed with their perfect payment on-time history.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Provided company with police report dated back in 2016. Also made credit bureaus aware of the fraudulent account yet it still appears on my XXXX credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My husband was going to XXXX for some dental work we opened a finance agreement with them. I paid monthly on time we finished his contract and they closed it. Then they opened another contract without mine or my husband 's consent that showed on my credit report as an opened unpaid account. I called XXXX XXXX we resolved they issue but when it was take off my report it deducted points of my credit. Why is my credit suffering from their mistake?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: On or about XXXX XXXX 2011 we sent certified letters to Ally Financial to dispute the end of lease charges via certified mail, which have never been answered to date. Since Ally never answered we decided to make the payment as the company said it would be charged off and sent to collections plus also place a negative file on my credit. 
The amount was paid in full and they still place a negative mark on my credit report. The 39 monthly payments have all been made timely, all extra charges at lease end were disputed as it is my right. 
for your help with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company Ocwen offered me a trial plan XX/XX/2013 under the HAMP program. I made all the trial payments, then made additional payments at the trial plan amount. They told me the modification was being generated. Then they told me the modification was denied and that I had to apply again. They did not give me a reason why the modification was denied. Now they are denying me saying that the investor does n't participate in HAMP. They refuse to give me any proof that my investor does not participate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Settlement process and costs

Complaint: We bought our house in XXXX XXXX. Our loan was with Freedom Mortgage. They offered us a lower interest rate, we closed with the new loan in XXXX. The did n't calculate the escrow correctly from one loan to the other. But, we had XXXX in our escrow account before the refinance. Now, they have tacked on extra escrow to XXXX because we did n't have enough in our escrow account to cover taxes and insurance. I thought that either they had to roll the XXXX over, or we were supposed to receive a check within 30 days. It did n't roll over and we did n't receive a check. We have reached out to them several times, phone calls and emails. One person said that they used the money to pay unpaid principal for XXXX XXXX payment?? The gentleman that told us that said he would have a supervisor contact us within 25 hours ( that would have been Saturday ) have n't heard a word. First contact was Friday XXXX XXXX, XXXX. We are very frustrated, because now we are expected to pay an additional XXXX a month, when we paid the money in XXXX. We should n't have to pay for their mistakes!

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 09-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I opened a " Free for Life ''. checking account with the XXXX XXXX XXXX XXXX in the mid-XX/XX/XXXX's. The account was acquired by several different banks, ending up with the Bank Of America. The account has been with them for many years, since XX/XX/XXXX.
Every 3-5 years BofA has started to charge fees on my account and I call and, after BofA researches my account, the fees have been reversed. I have been told that notes have been included in my account so the problem will not happen again.
Last month BofA again stared charging fees on my account. When I called I was informed that they had " converted '' my account and that they have no products that are " Free for Life ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/15/2017 about Debt collection (Other debt) with CONTRACT CALLERS INC (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A debt for an electricity bill that was fraudulently opened under my name that I had removed from my credit report last year that was readded this year

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 01/22/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Managing the loan or lease

Complaint: I have made several EXTRA payments in the amount of {$500.00} each. There were no late payments or any in arrears. These payments were made with the directive of " apply to Principal only ''. As I noticed, they have been also charging interest on these extra payments. I called them and they told me they deduct interest on each payment made. I originally owed G E Credit for the dental work. They sold it to Synchrony XXXX. When Synchrony Bank started taking my payments, they jacked the interest rate to 28.9 % and they also started charging me {$89.00} for security purposes. After several months, after noticing my amount owed was increasing rather than going lower I called and asked why. They explained and said the would discontinue this charge. That 's when I decided to make extra payments, to lower the bill. I made XXXX extra payments of {$500.00} and noticed they did not apply the payment to the principle balance and charged me interest on the extra payments. I will attach a bill showing the interest deduction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hello I had inquiries removed from trans union and they were put back on making my credit score go down. They admit to a glitch in their system but yet continue to say I was n't affected by it. I asked to be transfered to special handling US department but was refused. The operator kept telling me they could n't transfer me. So then I proceeded to ask for direct number to special handling and was told they did n't have the number, after acknowledging they do have special handling. They refuse to give me any answers and then I was told the call was being terminated. I attempted calling 3 times today alone, I just want answer

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 09/25/2017 about Student loan (Federal student loan servicing) with Unisa, Inc (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit report showing account is delinquent 90 days Electronic payments made {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$75.00} XX/XX/XXXX, {$75.00} XX/XX/XXXX, and {$75.00} XX/XX/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 03/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company HSBC say I owe one month back mortgage and I do n't and they keep sending me letters saying that I 'm past due one month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: We were approved for a trial plan last year with Ditech. our 1st trial plan payment of {$640.00} was due XX/XX/XXXX. when we called on XX/XX/XXXXto make the 1st payment we were told by Ditech they would not accept the 1st payment because our loan had been sold to XXXX XXXX We then called XXXX XXXX to make the payment and we were told by them they could not accept our 1st payment because the loan was still being transferred. we received a letter from XXXX stating the transfer was completed on XX/XX/XXXX, I called again to make my 1st trial payment and again they would not accept my payment because it was not the full amount. I explained to XXXX we were approved for a trial plan. From my understand when a loan is transferred all terms of the loan are transferred as well. XXXX should have honored the trial plan I was approved for. XXXX ID # XXXX is who I spoke with from XXXX XXXX would not accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Dear Consumer Protection : The reason for me filing this complaint is due to Experian organization continually reporting the incorrect date of birth in my report and also blocking me out from getting a copy of my credit report online. I have try several times over two-years to get a copy of my credit report and each time Experian has block me out every time. This is violation of the Consumer Credit ACT 1974, section 77-79. I am very frustrated and this practice is unacceptable. 
Furthermore, I am in the process of re-financing my home with XXXX XXXX XXXX bank and the representative stated to me if Experian does not take the block off my credit report they are not going to be able to finance my mortgage because by law under the HARP they must have a copy of my credit report and score to be able to grant the refinancing. I was told by a Experian representative because of a key stroke error is why my date of birth is in their system wrong. I also like to state, after contacting Experian in regard to the issue they refuse to fix the mistake. .I would greatly appreciate your assistance in this matter.

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 06/28/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery is harassing my family. The calls are constant. They call my XXXX year old mother who happens to have the same name as mine. They have even called in Sundays. My mother is sickly and it is horrible. I do not know how they got her phone number. Her number is XXXX XXXX XXXX. Now they are harassing my son who does not live with me. Hid phone number is XXXX XXXX XXXX. The number they called from is XXXX XXXX XXXX. I believe this has to do with XXXX XXXX when I lost my job. I was late on my payment. I finally made the full payment to XXXX XXXX and I believe it was {$400.00}. XXXX XXXX took the payment and after it was paid I was told by the representative that my debt had gone to a collections bureau the day before. One day before. It was paid with my XXXX account and this was about 5-6 years ago. I refuse to pay for a debt that I already paid for. Also, I do not want anyone harassing my mother or my son or anyone else including my employer. The calls are nonstop and from different phone numbers

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am submitting this complaint on behalf of the aggravation I have been going through with the XXXX credit reporting agencies. I had XXXX accounts opened up fraudulantly in my name. XXXX and XXXX. I finally received confirmation today with XXXX that it was founded that the XXXX XXXX acct and XXXX were fraudulant and removed from my report. However I just spent over an hour on the phone with equifax explaining to them that these accounts are fraudulant and I want to re-dispute them again for the 8th time. All I got was the run around and told that they are waiting to hear back from the company. I have disputed this for over 3 months now and if XXXX responded to XXXX it was indeed fraudulant and to be removed from my report then XXXX and equifax should have received the same notification. I got nowhere on the phone today this is very fustrating as it affecting me in obtaining credit and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was sent a letter from Transworld Systems Indicating that I owed them over XXXX from XXXX. However I am in good standing with XXXX and after checking my account on XXXX 's website I saw that my next payment would be due in XXXX. I called and spoke to a rep. who never answered any of my questions but repeated what I said and kept trying to get me to pay a debt that I do not owe. The default date according to Transworld Systems was XXXX/XXXX/09 which is well beyond the statue of limitation in NY and it should not be collected on at all. As the debt origination date should be well before 2009 if it is at all valid.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (I do not know) with MRS BPO, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was just hit with a collections of {$160.00} from a " MRS BPO LLC ''. I have no outstanding bills so this is a fraudulent charge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Wells Fargo  has  XXXX  accounts on my credit report with late payments and I am not sure how they are reporting late.      Wells Fargo Dealer Services -   XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  Wells Fargo   Dealer Services -   XXXX  ( 30 days past due  XXXX  )  Wells Fargo Dealer Services -   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   ) The  only thing that I could of is that I did n't get my statement in time or that my payments were not applied on time. I could have sworn I made my payments on 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 03/19/2016 about Credit card () with TD BANK US HOLDING COMPANY (NC).
Issue: Other

Complaint: I recently received a collection notice from XXXX ( XXXX, PA ) regarding an outstanding balance on a Target Credit Card in the amount of {$300.00}. I do not own, nor have ever had a Target Credit card. I recently saw my credit report ( buying a house ) and there is no outstanding balances for Target.

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. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Per the announcement made on XX/XX/2017, Equifax failed to properly secure and protect my personal information. I verified this on their website. That information has now been compromised in a cyber attack along with millions of other consumers. Equifax also failed to notify consumers of the attack for over one month, therefore escalating the severity of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To whom i t may con cern, I have sent correspondence to all three credit bureaus regarding public records ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as the parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.

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 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I ordered service they never delivered the device so i called and canceled. They canceled it and told me is account closed. After 6 month later i see this account in collection please help me fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: LJ Ross assoc has an account on my credit report from consumers energy in XXXX mi. from XX/XX/XXXX in XX/XX/XXXX they threatened to take me to court. It was for {$2000.00} with fees and interest it came to {$2600.00} so i took out a loan from my retirement fund and paid it off in XX/XX/XXXX.I am trying to clean up my credit report and asked LJ ross to delete the account, they said only if the original creditor asked them to delete it.I contacted consumers energy and they were willing to help me out and made a call to LJ ross. XXXX at consumers XXXX XXXX was refused. So i called LJ ross back and they said he did not ask them to remove it, XXXX called back and was very specific this time and was refused again, so for a third time i spoke with XXXX at LJ ross XXXX she again said that if consumers energy called them they would have the account deleted from my credit report, this time with in XXXX minutes i had XXXX from consumers call LJ ross and again he was refused. I never went to court I payed it off way before the court date came up.please help.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: I recently deposited a check for final wages to from my employer and my financial institution-BBVA Compass- placed a hold on the funds. Due to the large amount, it was to be expected, and I had more than enough funds to cover my outstanding transactions. Unfortunately, my deposited check was returned, but instead of just reversing the hold, BBVA reversed the amount from my available balance. Ultimately, this resulted in twice the amount of my deposited check being withdrawn from my account. After numerous phone calls, I was left with, " The hold will drop off some time today. '' In the meantime, the bank has returned XXXX of my items and charged additional NSF fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone created a fake id and went to several stores opening credit accounts at the register. I 've submitted police reports to all the affected credit card companies. Saks continues to send statements indicating late payments. When I contact their customer service, I 'm advised its no big deal and that their fraud team is working on it. They will not allow me to speak to anyone in the fraud department, nor can they provide an address for me to send a certified letter to.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I have an account in good standing with Simple bank. They misunderstood my comment that I am often abroad and misconstrued this as me living abroad permanently. They have decided to close my account while I am having XXXX done at the XXXX Hospital in XXXX. I have re-iterated to them that I am permanently resident in the USA in the state of CA and they have no cause to close my as account. They understand this but will not correct their mistake. I am very unhappy about this situation. I am XXXX and having XXXX and they are closing my account even though they admit there was clearly a misunderstanding.

Company response to consumer: Closed with explanation