milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was able to view my Experian Credit report online and investigate negative information. At this time when I try to enter in my information though experian.com the site will NOT let me view my information. And Experian will not let me investigate my negative information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2015 about Bank account or service (Other bank product/service) with FLAGSTAR BANK, FSB (MI).
Issue: Account opening, closing, or management

Complaint: Flagstar has misappropriated funds from mortgage customers through unauthorized " fax fees '' charged for payoff statements. They overreach their interpretation of permission waivers to quietly add a usurious fee for faxing payoff notices. XXXX attempts to resolve this dispute were unsuccessful. Customer 'service ' representatives were rude, condescending, and unreceptive to any sort of negotiated resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (WI).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: Speedy Cash of KS Missouri and XXXX XXXX have decided that though I never gave ANYONE authorization to use my debit card, I have been charged XXXX for an account that I dont nor never had. After trying for one week to get through to XXXX XXXX to reverse the charges, reissue my card and file a formal complaint after 6 weeks they send me a letter telling me that Speed Cash presented them with documentation that I authorized this payment. Whatever they presented had to be fraudulent as I have never given anyone authorization to take XXXX from my meager SSI account. How can I get my money back and make sure this does not happen to me again. Speedy Cash stated that since it was done online, they did not need authorization and refused to return my money. Now, they have docs that say I authorized!! this is straight up fraud. I want them to present to me or an attorney this documentation. Whether it was my sister, son or brother that took my card and used it, it was not authorized. I have had to borrow money to buy groceries, do laundry and other expenses. I start XXXX with XXXX in the hole. How can they get away with this? PLease help me!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: So, I am one of the millions affected by the Equifax credit reporting breach that occurred in XX/XX/XXXX and XX/XX/XXXX. I tried to start a Credit Freeze with all three credit reporting agencies and found that since XXXX and XXXX did not have a breach I need to pay {$10.00} to each for a Credit Freeze. I believe this should be free to consumers where a company is making money on our data when one of the three in the monopolistic industry has a breach. The alternative is to have the company experiencing the breach to pay for all of the freezes, the latter alternative is my suggestion. 

Once I was able to enact a Credit Report Freeze on Equifax, it has taken me from XX/XX/XXXX, to XX/XX/XXXX to put a temporary lift on that freeze using the Equifax  website. There are no CUSTOMER SERVICE NUMBERS clearly visible, I have tried every number on their site to speak to a representative. It is impossible to do business with this company when they maintain all of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Under late payments I have XXXX reported by my mortgage company. I was under a grievance for XXXX payments and then Thru a modification process. I was instructed not to pay during this period. After my trial modification period the modification was finalized and the account is in good standing. I am requesting this be removed from my credit report

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 12-08-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Struggling to pay mortgage

Complaint: The problem I am having is because Ocwen my loan servicer made mistakes on my escrow account. I even talk with the company about the mistake and was told that I did not know what I was talking about. Then in XXXX they told me a mistake was made and they took out a loan to cover it and I now have a extra XXXX monthly on to my mortgage. I 'm XXXX since XXXX. I am on a fixed income XXXX is a lot for me in my budget as I stated in complaint with Illinois XXXX I feel they should eat their mistake when I called and made them aware. As I began to asked question. A lot of home owner have the same problem my mother has Ocwen and had the exact same incident. I would ask the you please look in to this because I very well may lose my home. Please help I 'm missing my left hand in a work accident in XXXX which also damage my XXXX which cause me to have XXXX pump and the XXXX pump malfunction which cased aneurysm. I hate share my story because it looks like I begging but I have worked all my life sometimes 2 jobs to make ends meet with my XXXX frustrating when trying to do the right thing

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Consumer Loan (Installment loan) with Midwest Recovery Systems (CO).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX, I received a loan from the XXXX for XXXX with a fee of XXXX. In the next few months, I made payments of XXXX. In XXXX XXXX, I was struggling to pay. I received a email in XXXX XXXX about the loan and indicated I would pay off within the month. I received no further correspondence. I called and was told I would receive a final payoff statement notice, I never received any hard copies copy of the loan agreement or requests for payments. All documents were sent via email. In my email documents. I keep all my email but can not find an application or signed documents of any loan agreement I can not find any documents which I signed. 
After XXXX XXXX, I did not receive any further emails. 
In XXXX XXXX, I received notice from my credit report alerts that I had a delinquency filed by Midwest Recovery for XXXX on my credit report causing my credit score to drop XXXX points. 

I called Midwest Recovery on XXXX XXXX, XXXX and was told that I owed XXXX to XXXX for XXXX ( XXXX business name ). 

They then sent me the attached email saying that I would have a delinquency posted to my account if I did not pay. Copy attached. Midwest Recovery had already posted this delinquency to my credit reports in XXXX XXXX before I received this email. 

This company has : Requested an additional 130 % of the loan taken out, Violated the process for filing a delinquency on my credit report before they gave me the opportunity to dispute which I am doing as I file this complaint. 

Your assistance with this predatory process is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: I took out a loan for {$310000.00} from  XXXX    XXXX   in   XXXX  . It was then sold to Green Tree with loan number :  XXXX  and then to  XXXX  with loan number :  XXXX , then to  XXXX  with loan number :  XXXX  and I have still not received an updated payment history from them. It is apparently now with  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Student loan (Federal student loan servicing) with WELLS FARGO & COMPANY (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Lender reporting loan to Credit bureaus after multiple transfers, so XXXX loan shows as XXXX loans, which severely damages my credit score. 
Loans from XXXX XXXX show as : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX XXXX show as : XXXX XXXX XXXX XXXX XXXX Most of my student loans are repeated multiple time as XXXX and XXXX XXXX XXXX XXXX. All Credit bureaus are not even all the same and this is ridiculous. I was in school until XXXX and all loans should have been in deferment, so there should have been no late or default prior to that, but there are. I also had multiple forbearances granted, so there should have never been a late payment recorded. I am currently XXXX and have been since XXXX, all federal loans were transferred to XXXX and were forgiven, yet still being reported by banks individually, so multiple reportings for the same debt. I will be attaching a copy of XXXX of my credit reports to show this problem. 
I attended XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.

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 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX, 2009 a friend used my banking information and charged amounts to her cell phone. The charges called an accrual of overdrafts and fees in my banking account. The matter was reported to law enforcement as soon as it was realized. Reports from each agency were turned over to the bank. Reports include the name and address of the party that committed the act. The account was turned over to collections. The agency has been notified multiple times by phone and mail that this account was the result of a crime that was committed. I am mailing ANOTHER copy of all reports via a traceable method to verify that the collection agency receives the information as well as to the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries that I know nothing about. There are multiples by the same companies. I had a freeze on my credit so I not understand how there are still these inquiries. I have called several times and sent letters to the credit bureaus with no action. I most recently just called last week and they asked me to send letter again which I have already done and still they are not being removed. I also have  XXXX  hospital bills that are not tied to me that they have not removed even with evidence sent. I have student loans that have been consolidated and payment is not due and they will not remove how they are negatively reporting even though they are not negative.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A leasing agent that I am attempting to use states that there is an outstanding balance showing due through XXXX for an Apartment complex. I have attempted to contact XXXX but no one seems to know what I am speaking of. Apparently the debt is being reported to XXXX but everyone I have spoken to does not know what I am referring to. This is technically not my credit report but it is affecting my ability to rent and I have not way to view the report so I am unable to dispute the charge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax is reporting on my credit report that my account with XXXX XXXX XXXX is an open, active account. The XXXX XXXX XXXX account was paid in full and closed in XX/XX/2017! Equifax has had 6 months to correctly reflect on my report that the account was paid in full and closed, but apparently they are incapable of correcting accurate information provided to them from reporting companies ( but they sure are quick to add incorrect, fraudulent accounts on my report and decrease my credit scores as a result ). Equifax is in violation of the FDCPA by failing to accurately report the account and by calculating my credit score based on that inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with DISCOVER BANK (IA).
Issue: APR or interest rate

Complaint: The way payments are applied by banks to different balances with different interest rates is NOT consumer friendly at all. I should be able to denote exactly where every cent of my money is going.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion is no longer reporting a XXXX credit card that was once reporting on my credit report. As per TransUnion, I filed a dispute asking to update my new credit card balance because the amount being reporting was incorrect. TransUnion stated that XXXX had approximately 30 days to reply back to them to verify this information. According to TransUnion they did not receive this information and deleted the XXXX credit card account which was reporting positively prior to deletion. I contacted XXXX and filled out a XXXX form to have the creditor submit verification to TransUnion. TransUnion received the documentation from XXXX and stated that it could not accept a hard-copy confirming the accounts information and specified that a XXXX representative would have to contact their marketing department via phone or the company must re-transmit the information electronically. As per XXXX, the credit card account is still being reported electronically to date but the account is not reporting on TransUnion report. Despite my efforts to contact TransUnion directly, in addition to providing documentation they still are not reporting this information which is severely impacting my credit

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 07-10-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had my real estate taxes reduced by {$1500.00} a year and faxed the copy of the reduced tax bill to Seterus as they instructed me to do on XXXX/XXXX/15 and asked them to analysis my impound acct and make adj. in my payment. No response. I called again on XXXX/XXXX/15 and talked to XXXX and she told me to refax. It would take 7 to 10 business days. Still no response. Called XXXX/XXXX/15 and XXXX told be to refax again which I did. Still no response. Called again on XXXX/XXXX/15 and XXXX XXXX told be she was ordering the analysis of my impound account that day. No response, so I called again on XXXX/XXXX/15 and talked to XXXX XXXX and she said they were working on it. Should have by the end of the week. Still no response, so I call again on XXXX/XXXX/15 and was told it was ordered on XXXX/XXXX/15 would take 4 to 6 weeks, which is past that time period. I still have n't received any response from Seterus as I keep getting the run around am I 'm paying much more each month in my impound account that I need to. Also, the wo n't send me any payment statements as they say that since I filed and received a discharge of my bankruptcy, that they wo n't send me payment statements. That if I want to make payments, I just have to send them a check. I have been on the internet and read other reviews from other customers and this company has to be the worst ever. They should n't been handling people 's funds as you ca n't even find out what they are doing with them. They should be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent in a dispute to TransUnion regarding a federal tax lien that was an error. I sent the documents that clearly showed an error had happened and I had to get my congressional representative to force the IRS to correct this. TransUnion did not delete this from my credit record but changed it to a paid tax lien. This is not correct and I want this record deleted from my credit records as the other credit reporting agency has done. ( 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 03-07-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I just pulled up my Free Annual Credit reports from XXXX and XXXX. No Problem accessing and receiving the reports. When I went to the Equifax site, they refused to process my report on line. They stated that I needed to send them copies of my Social Security Card, Drivers License, etc. They said it 's for my protection. What is their problem. XXXX and XXXX were quite friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CT).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX I bought {$4100.00} of Furniture from XXXX. The offered a 12 month interest free payment option from Wells Fargo. The order states No interest if paid in full within 12 months, interest will be charged to your account from the purchase date at rate of 27.99 %. The delivery of furniture was XX/XX/XXXX. I made regular payments as required and paid the balance in XX/XX/XXXX. XXXX 's terms of the sale state all orders must be paid in 48 hours prior to delivery. That date is XX/XX/XXXX. I am being charged {$1200.00} of interest because Wells Fargo says the full payment was due XX/XX/XXXX. I missed the date by a week. Why I was confused was I made another small purchase in XX/XX/XXXX and that payment date was showing XX/XX/XXXX. I have excellent credit and had full intention of paying in full by XX/XX/XXXX. This is very misleading and seems to be a calculated attempt to confuse and trick consumers into missing the deadline and charging an obscene amount of interest! Did Wells Fargo pay XXXX the full purchase price on XX/XX/XXXX? If not is that date relevant? Needless to say I am not paying {$1200.00} or the reduced amount of {$930.00} I was offered. The regulations of XXXX were put in place for a reason. I am not unreasonable but this is and I need your assistance to intervene on my behalf. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXphone XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Checking or savings account (Savings account) with PNC Bank N.A. ().
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: in fact, I opened an online account at the bank group : national city bank group. my account was only visible for two months then nothing. I have addressed correspondences still no solution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Payoff process

Complaint: I would like some help/information. I have a credit card with Chase. My payment is due today. This morning I made a {$200.00} payment. When I got home from work XXXX XXXX and I knew my paycheck had cleared, I went to make another payment to complete the amount owed. The online process would not allow me to make another payment, so I called. The representative would n't allow me to, so I asked to speak to a supervisor. XXXX, the supervisor, also informed me I could not make another payment for 3 days from the same checking account. I asked where it stated that I could n't make a second payment. He could not find anything, but refused to take a XXXX payment, which means I will be paying interest on the balance XXXX {$1100.00} XXXX. What can I do? Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Service provider, XXXX XXXX XXXX XXXX is double billing for a procedure. Since the second bill is false as I did not have XXXX identical XXXX on the same day at the same time at the same facility by the same or different Doctor ( s ). The service provider, XXXX XXXX XXXX XXXX has submitted the second false/fraudulent procedure to my insurance provider, XXXX XXXX of California and consequently XXXX XXXX XXXX XXXX has submitted this false claim to a collection agency, CMRE Financial Services to collect for a procedure that never happened. I need the harassment and threats to damage my credit from CMRE Financial Services to stop, I need XXXX to understand the second claim was fraudulent and I need XXXX XXXX XXXX XXXX to stop double billing so this matter can be expunged from all data bases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with M. G. Credit, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have contacted several times to advise the debt does not belong to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: check n go continues to attempt to collect a payday loan that is now discharged in a ch XXXX they have continued these collection attempts the last 4 years even when told it was filed. they continue to tell me they were not listed but I have attached the XXXX showing them listed

Company response to consumer: Closed with explanation