milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with Kimball, Tirey & St. John LLP (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was living at an apartment complex and had to leave early and break the lease. I worked it out with the company that they would keep my deposit and I cleaned the apartment so it was spotless. Years later they sold the debt to a collection company and they have been attempting to collect XXXX XXXX from me.

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 01-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Tax lien for the state of Michigan. Account was paid more than 4-5 years ago. Equifax is still reporting it as paid recently. Information was sent to them a long time ago with no correction on my credit report. They 've had enough time to get correct information pertaining to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had to late payments near the end of 2015 on my Capital One credit card. XXXX and XXXX I believe. I disputed them because they are reported as 30 days late. In reality XXXX was only 10 days late and the other 15 days, the late fees were even reversed. 
The dispute request to have the late payments removed since FCRA allows reporting after 30 days late was denied and the negative information remains. 
I would like Capital one to remove those negative marks.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: We have been struggling financially for over a year now. Due to circumstances, we were not able to refinance our loan as we had planned. We did attempt to obtain a loan modification. For over 4 months I dealt with mortgage company providing them, over and over again, with documentation they requested. Finally, they said they had all documents they needed and I needed to complete a trial to be eligible for the modification. They said I needed to make special payments for 3 months, which I did, on time, even a month early. They said for me not to pay anything else until XXXX XXXX. After those three months were completed, they mailed me a modification letter that I had only a couple of days to read, understand, sign and return. They modification would help a little, but it would n't have helped us in the long run. Meanwhile we were able to repair the home well enough to finally be able to refinance our home with an FHA loan. We decided that we should refinance instead. We completed all we needed to refinance the house, but when the loan officer requested our payment history from the current mortgage company, it showed we were 3 months behind in our payments, which I knew nothing of. It took two phone calls for me to find out what was happening and I ask them to fix the situation so I could refinance, but they refused. They claimed the payments I had made for the trial were just to catch up what was behind XXXX they payments were larger than my usual monthly payments ) and I still owed for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I paid those three past due payments in XX/XX/XXXX, however XX/XX/XXXX and XX/XX/XXXX still appear over 30 days late on my payment history and because of that NO ONE will consider refinancing our loan for another 12 months. I had no idea our payments were so far behind. I was simply doing as I was instructed my the loan company regarding the modification, which I thought would help us and the company managed to drag this situation out for months. Now we are stuck. We can not accept the loan modification, we can not refinance, we can not afford to pay the 8.9 fixed interest rate and fees on our loan. We have a nice home with excellent equity and need to refinance to pay our debts and lower our rates. All we need is our payment history modified so that we can obtain the loan. I feel like the loan modification process was not handled well, as they constantly " lost '' documents I had sent in, and was not explained well at all. I find it very unreasonable that this situation prevents us from refinancing our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I called 3 credit bureaus to remove negative report from my public record but they didn’t respond me it shoes bankruptcy on my public recort on my credit report back in 2014 they told me they gonna remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house it’s hurting me can’t go forward to grow upThanks

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, a hard inquiry showed up on my XXXX and Transunion credit reports for a line of credit I did not open at XXXX XXXX XXXX. I then ran my credit reports for all three agencies, only to discover 2 of the 3 showed what looked like someone's profile on my report. I discovered incorrect variations of my name, incorrect home addresses and places of employment, and about 16 accounts that did not belong to me. Naturally I freaked out. The odd thing was a lot of the incorrect accounts were from 2-8 years ago and these had never ever shown up on my credit reports before XX/XX/XXXX. I check my reports often so I would have seen these. 

So the first thing I addresses was the recent inquiry. On XX/XX/XXXX at XXXX PST I called the XXXX XXXX bank that made the hard inquiry on my credit report and they were unable to pull up an account with my name and social security number. None of the info I gave them pulled up an account ... which further made me believe there was a problem with the credit bureaus and not a case of identity thief. 

So, on XX/XX/XXXX at XXXX PST, I called XXXX and they looked into my credit report and the customer service rep noticed that my profile was actually merged with another person with a very similar spelled name ( mine is XXXX and the incorrect one was XXXX ) and social security as mine. They started the process of un-merging my account with this other person. Somehow bc another person has a similar spelled name and social, our records were being merged in their system. Thankfully the customer service rep took the time to go line item by line item to separate the records. Sadly I now have to do this same thing with Transunion because these same errors were on that credit report too. I didn't see anything incorrect on XXXX  yet but I'll keep monitoring 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 non-monetary relief
Consumer complaint received 04/25/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX at XXXX AM I called Seneca Mortgage Servicing and spoke with XXXX. I requested information about having PMI removed from my loan. I explained that I had made several improvements to my home, but the majority had taken place before the refinance. He said that improvements would be excluded if they were included in appraisal when we refinanced. However, we had a computer appraisal so the improvements we made were not included in that appraisal. There was no way for the lender to know about the major improvements that had been made. In that case, He explained to me those improvements would not be listed in the XXXX or computer appraisal. They would be considered among the improvements that could count toward the PMI removal. I asked him how certain he was of this information. He said he was very certain. Based on this discussion, I decided to move forward with having my home appraised for {$450.00}. I sent in the check and had my home appraised a few days later. 

On XXXX XXXX I called Seneca Mortgage Servicing to determine the status of the PMI removal. I had a XXXX hour conversation with XXXX. I spent most of my time on hold. I was told that the appraisal had not been received. However, they wanted me to submit proof of improvements. They said that they wanted to know when the improvements had been made so that they could determine if they resulted in the increase in market value. I explained the conversation I had with XXXX. She said that none of the improvements before the refinance could be considered. I explained that if I had known this information, I would not have proceeded with the PMI removal request. I felt that Seneca knowingly mislead me into providing them with {$450.00} for an appraisal that they knew would not result in the removal of PMI. 

Furthermore, XXXX refused to explain what was defined as a significant improvement. In addition, she refused to provide the ratio of money spent on significant improvements and it 's relation to market value. Finally, she said that the appraisal had not yet been received. Yet, she quoted the appraisal several times, noting that the appraiser had noted that the kitchen had been remodeled XXXX5 years ago and Seneca needed more documentation regarding the improvements. 

When I called again on XXXX XXXX, I was told that the appraisal had been received on XXXX XXXX, XXXX day before my conversation with XXXX. On XXXX XXXX by fax and XXXX XXXX, XXXX, and XXXX by phone, I requested a fax and mailed copy of the appraisal. Only received it by fax after the request had been denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to texas in XXXX XXXX dont owe any bills in california

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 06-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX collection according my is not mine identify theft also attached a copy of my police report number

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 03/19/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Incorrect information is being reported by the credit bureau 's. My identity was stolen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 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: Old information reappears or never goes away

Complaint: On XX/XX/XXXX I disputed an account reported by XXXX XXXX. I was informed on XX/XX/XXXX that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report around XX/XX/XXXX or XX/XX/XXXX 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Experian is required to notify me of the reinsertion in writing within 5 business days. 
" ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

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 01/18/2018 about Checking or savings account (Other banking product or service) with IBERIABANK (LA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: i made the mistake of getting on XXXX and meet some one on this site that wanted {$3500.00} to get bank to u.s.a .but he did n't come to u.s. i do n't know what he spend the money on but i am in the hole because of this. i had bounced checked and was changed {$25.00} for all the bounced checks that came out of my account for i made with XXXX XXXX that i pay to send him this money. i am on ssi for i 'm XXXX yrs. old what i got into this MESS. i could kick myself in the 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 07-12-2016 about Debt collection (Credit card) with Allgate Financial, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i submitted a complaint and my Case number : XXXX. Today I received another letter from XXXX and this time the plaintiff is Equable Ascent Financial , LLC. 

I called the Law office again to verify what debt they are talking but the receptionist was saying I owe over {$10000.00} and she is not allowed to discuss over the phone than hung up on me. I have been harassed by the XXXX XXXX XXXX offices numerous times. 

I just want it to stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I sent two payments totaling {$710.00} on loan B of account XXXX on XXXX/XXXX/2016. I specifically asked that the entire amount be applied to loan B. It was instead applied to both loan A and B. I want this to be corrected, and the entire amount applied to loan B carrying an interest rate of 6.8 %.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage due to a hardship. My Mortgage was with XXXX Bank, who sent an Auction Notice, the house is being Auctioned on XXXX 2016, then I find out when I call XXXX Bank that they Sold my property to BSI Financial Services. On XXXX XXXX, 2016. I have written XXXX emails and phoned BSI Financial 4 times so far. Last call was today and they informed me that they do not have my information in there system! What! I am being foreclosed on and the bank who bought my property has no information in the system on this. The rep. I spoke to from BSI after telling me he can find no records transferred me to a Dept. who should know something about what is going on, where I had to leave my name and number. I know they wo n't call me back. Now what do I do? I do n't want to loose my home! This is total fraud. I am in limbo! Is my home still in foreclosure since another bank bought it ( XXXX Bank Sold to BSI Financial )? I read the rating from XXXX and it is an XXXX rating for BSI Financial as well as being famous for never calling you back as well as terrible reviews. I feel totally lost, scared exhausted!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (NV).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I had some fraudulent items going thru XXXX I called and I advised that I wanted my accounts to be on hold due to old buisness partner was trying to harm me, I called for some checks but I advised that all I wanted was to advised it was not me and I do n't want any refund at all, my account got frozen due that call, meanwhile my wife and I went to bank branch where most of the staff knows us due to our loyal and good reputation they called and semi reopened the account but XXXX of the bank associates thru that fiasco was making phone calls and re opening cases which we had no knowledge the extend that she was doing. Long story short my XXXX got closed and now chase is being closed my assumption for that reason. I never wanted anything besides protection and now I 'm going Thru hard time with my accounts closing when I never did anything wrong, I trusted the bank Personall that they where doing the correct protocol but it seems that they harmed me instead of helping

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose prepaid card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Unexpected or other fees

Complaint: I have Capital One XXXX XXXX. I had used this card for a airline XXXX XXXX XXXX ticket purchase. Our trip was cancelled. The airticket has XXXX parts - XXXX for airfare and another one for luggage. We were suppose to get the {$60.00} luggage fees back from Capital One. We filed a dispute with Capital One. It went for a while - we provided all the required documentation to support our case. Capital One can not do much. Dispute was closed. 

I relocated from XXXX AZ to XXXX TX. 
Now when i logged into my account after weeks - come to know that I am subject to late fees and interest on that? What???? 
When capital one sent me any statement? When i logged in there was no way to chat with anybody. It was all so confusing ... it seems capital One refunded our dispute amount first and later took it away from us. We did n't got any paper statement. I just got one email  notification and I logged into my account and witnessed this late fees for no fault of mine. They should have at least sent me the letter stating money refunded and then charged and the late fees -but nothing? And moreover I have no idea when they refunded and took that money back - where is the late fees? I made the payment for only {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We made a payment in XXXX for the XXXX payment to LenderLive via our bank draft. An automated payment was already scheduled so they received XXXX checks. Both were cashed. We realized this and called in XXXX to confirm the XXXX payment went toward XXXX due date. It was confirmed the XXXX payment was taken care of, the next payment due would be XXXX XXXX and we would receive a statement reflecting this. 
We did receive a statement and she was correct. So we set up our XXXX payment. 
On XXXX & XXXX, we began getting calls to ask why our XXXX payment was late. I reviewed the above with the representative and they indicated our payment was " reversed. '' I told them no one informed us of any " reversal '' and this went against the previous info we had received both verbally and in writing. Then I asked where our money was. They could not tell me why it was reversed or where our money was. 
They had to open a ticket to research, with resolution in 24-48 hours. We have received several more mailings, including a new statement showing XXXX payments due, and Past due notices including late fees and urgency. 
The other representatives calling do not even check the notes as we 've received several calls in that same time period to collect this balance " due '' AFTER the Dispute ticket was opened. 
We need to know where our money is and how to get it reapplied to the XXXX payment as they had done originally and confirmed with us. If this can not be done, we will pay the XXXX payment again ONLY once we receive these funds back to our originating account. Further, we need any late notices, or fees to be removed from this account. I have all documentation and summaries of phone calls. 
Our XXXX payment is already scheduled regardless of above outcome. 
Lenderlive representatives have been very polite once they realize their company has contradicted information provided to us the borrowers, but this company 's record keeping and practices is not acceptable. 
Our originating mortgage broker sold this mortgage within a month. LenderLive should not be included in the pool of mortgage companies to transfer accounts too.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Services of Oregon, Inc. (OR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Yesterday, on XXXX/XXXX/16, I called CSO Financial, INC/ Credit Services of Oregon with a question regarding the itemization of a bill with their company. During my initial contact, CSO financial released Personal Identification Information on the phone, before verifying who they were speaking with, including birth date, address, and name. I explicitly requested them not to disclose such information, that I would provide verification of those details myself. In response, the collector laughed at my request and continued to provide Personal Identification Information. I asked to speak to a manager regarding this situation. He then transferred my call to another collector 's voicemail. I returned the cal a minute later, and my call was immediately transferred to voicemail, without being picked up or acknowledged. 
I called back a third time through a different phone routing option and asked immediately to be transferred to a supervisor/manager, and was transferred to a voicemail box. I left a detailed message. I have yet to receive a return call. 

I feel that CSO financial may be inadequately securing consumer personal information, and I am concerned that there is no recourse within the business to escalate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation