milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On XXXX XXXX I received 1 call per hour for 6 hours. To me this is harassment. All because my payment is 10 days past due in the amount of {$85.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2015 about Credit card () with Continental Finance Company, LLC (IL).
Issue: Other

Complaint: Out of the blue I started getting several call a day from XXXX. When I answer the phone nobody says anything at all. I used XXXX to find out who the number belongs to and it says Continental Card services. I 'm on the do n't not call registry but this place will not stop calling. I 'm really getting angry, this has to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have multiple missed student loan payments on my credit report from previous years back that I was not aware of. I never received any information about paying my students loans. The history even shows scattered months on on time payments and then months where the account was past due for 30-90+ days. Im not sure when I started being held accountable for these payments. Once it was brought to my attention for the first time I immediately contacted the company for deferment due to me not being able to afford these payments at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax got hacked and will not tell the American people who is hacked. They are not telling the American people who are affected. The PIN given has weak security as it is the date the request was made for the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CT).
Issue: Other transaction problem

Complaint: On XXXX/XXXX/XXXX I made a payment to my XXXX XXXX through my Paypal account. Instead of taking that amount from my bank account, Paypal fraudulently took an additional amount of money from my bank to pay for a debit balance that I had previously accrued because of a disputed transaction on XXXX. I had sold a product on XXXX and the buyer did a chargeback with his credit card. Then Paypal wanted the money back from me and also charged me {$60.00} because of the chargeback fees even though this was created by the buyer, not myself. So, I disputed this amount with Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit card () with DISCOVER BANK (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: HI - a fraud account was opened under my name. I filed a police report and trying to work with the agency to clear. they are still claiming this was opened by me. I 've never owned a discovered card, I 've only own Visa and XXXX. My credit score has always been high, this is out of character

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a  3rd p arty agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.

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 03/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXXXXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX XXXX years XXXX willing. 
However at this point I XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports XXXX Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 05/27/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: American Express : account XXXX Credit Limit Opened Rate Payments Closed Balance {$3200.00} XX/XX/2016 N/A $ XXXX/mo XX/XX/2016 $ XXXX American Express : account XXXX Credit Limit Opened Rate Payments Closed Balance {$1000.00} XX/XX/2016 N/A $ XXXXmo XX/XX/2016 $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (MO).
Issue: Trouble during payment process

Complaint: I sent an Error Resolution Notice under 12 C.F.R. 1024.35 on XXXX XXXX, XXXX to M & T Bank. See attachment : XXXX. That notice was received by M & T Bank on XXXX XXXX, XXXX. M & T Bank replied with their letter dated XXXX XXXX, XXXX. See attachment XXXX The language in the M & T Bank reply letter is a deceptive act because, contrary to what it asserts, I did not send them a request - I sent them an Error Resolution Notice. M & T Bank 's reply confirmed that they posted the transaction, that I notified them of, without my knowledge or consent that posting is an unfair act. M & T Bank failed to correct the error and has failed to comply with its obligations under the notice requirement of 12 C.F.R 1024.35 ( e ) ( 1 ) ( i ) ( B )

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 04/19/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax credit reporting agency is merging my brother  XXXX   XXXX  Personal information with mine we do not live together and never have i have asked them to remove it and they have but then  XXXX  keeps adding it on there. I have also sent over several documentation for them to remove information on my account such as previous employers, addresses, and name that i have never used. I have sent over certified documents they received  XXXX   XXXX  to validate 2 accounts that do not belong to me yet they are reporting it to my credit report and also  6  inquires i have asked for them to remove. Equifax is violating the FCRA act and they are not validating accounts they are just adding them to my account without proper authoriztion.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern : I have documentation that I need reviewed by a real expert/professional. I have tried to contact Bayview loan servicing and they continue to run me around in circles. I 'm attaching documentation to review that I 've asterisked, circled, or underlined. 
Escrow account balance on XX/XX/2016 was {$2100.00} after payment of insurance. 
On XX/XX/2016 funds were distributed for {$910.00} - does n't reference who that was paid to and what it was for. 
I do n't see where I got a refund in that amount and there were no summer taxes owing for that amount. Escrow funds can only be used for anticipated taxes and insurance, so they need to give an explanation on that disbursement. 
Page XXXX is unexplainable to me and page XXXX continues to only confuse me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have disputed the information as provided in Case number : XXXX & XXXX number : XXXX with this Credit agency several times - only to be faced with we do n't have the information necessary to reverse any information, you will have to contact XXXX XXXX. All of which leads back to a dead end of my credit report having this false debt. I have provide Experian, all the information I have to prove my claim, only for them to tell me, it is up to XXXX XXXX to correct the information. Even though the information I have provide shows CLEAR inaccuracy - the agents i have spoke have repeatedly sent the same information back to XXXX XXXX for verification, only for XXXX XXXX to reply with providing blank updated information. Where is the investigation, what are the results of the investigation, What and Who said what, when and where?????

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 05-04-2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I just check my credit report and it was said to have a home loan, i have never receieved a loan in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Mortgage (Other type of mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (WA).
Issue: Closing on a mortgage

Complaint: I filed a complain with IMPAC MORTGAGE COMPANY and until today I still not receive from them the disclosere of why I was XXXX know its a state law to provide me in 3 days those discloseres..Today is the XXXX of XXXX and I still not receive the documents.I was refused on the XXXX XXXX XXXXBecause of the stress that this company put us true ( see complainXXXX ) my wife has a XXXX XXXX XXXX and because of the intense stress that IMPAC MORTGAGE done to us we XXXX XXXX XXXX.Is not normal to do things like that to people.With no reason they are declining loans.Until today no answers why.I think this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (Credit card) with Alliance Data Card Services (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This Credit card company keeps calling after I have explained to them mulitple times that I am filing for XXXX and do not have any income at the moment. They have asked how I can afford a cell phone and asked why the person that is helping me out can not help with this debt ( he does n't have any extra money either. ) They unfortunately call from a unlisted number but every time I have answered it has been this bank ( commenity bank for XXXX or XXXX ) but when I ignore the call they will call repediately in a day with the calls being minutes apart. ( yesterday they called all day and some calls were 9 minutes apart ( XXXX17 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2016 I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please validate this debt as required by the Fair Debt Collection Practices ( FDCPA ) Act 803 definitions 15 USC 1692. I have sent them XXXX letters certified mail on XX/XX/2016 and XX/XX/2016 ( attached ), and disputed online with XXXX. This is not a valid debt, and Diversified Consultants , Inc did not investigate nor give me any proof that is a valid debt. I have an unverified account from # XXXX I have previously disputed this account. I have never done business with diversified consultants. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 807 { 15 U.S.C.1962e }, which requires them to send me validation containing my signature for the debt owed to them within 30 days of the receipt of my letters they signed for them on XX/XX/2016 @ XXXX and on XX/XX/2016 @ XXXX. I dispute the validity of the debt purposed that I owe. I have already requested that diversified consultants provide validation of this account with competent evidence bearing my signature showing that I have ever had a contractual obligation to pay them, and I also requested the following : 1.The original Application or contract to diversified consultants that states I owe them. Instead they have sent me a statement bill 2x this is unacceptable. And this is no form of validation. They also did not mark disputed within 30 days on my credit report pulled from XXXX on XX/XX/2016. They are reporting inaccurate information based on their bill that they sent to my address as a response. On my credit the total due is {$450.00}. and on their bill response the total due is $ XXXX is my last and final attempt to allow them to remove this account permanently from all credit bureaus before I file a claim in small claims court in Georgia where I live, for $ XXXX. I want this removed off my credit report at once! It is causing me great financial hardship. I will be attaching all documentation with complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit card () with NAVY FEDERAL CREDIT UNION (ME).
Issue: Billing disputes

Complaint: Refused to change address and mail statements to correct issue. Thier only resolution was for me to go inside a branch and verify my identity in person. After explaining due to a handicap that would not be possible, they insisted the only way to verify my identity was to go inside and prove it. Instead I faxed them my birth certificate, ID card, Social Security card, and billing statement. They continued to refuse to update my address, and blocked all online access permitting me to see balances. and blocked online banking so I can not make payments. They would not give me the account balance when I called in, because I was not " verified ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Called they told me they could not delete hard inquiries that where not authorized/initiated by me that are a clear result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (NY).
Issue: Account opening, closing, or management

Complaint: I opened a checking account at Ally Bank and deposited some money. A few days later I was told that I needed to submit identification documents and that the bank would have to review the documents before having access to my account. I have periodically called to check on the status, and I have been asked to submit the documents again. I also asked whether they could instead close the account and send the funds back to me, as I had set up an account at another bank while Ally 's review was going on, but Ally would not do this. I also asked for bank statements so that I may report the earned interest for my taxes, but they would not provide these either. ( I estimated the earned interest. )

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 12-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Financial Services not following through on agreement to call and resolve my homeowner insurance situation with their " monitored insurance claim '' process. Ocwen promised me a call within 24 hours on Friday XXXX XXXX, 2015. I was told I would receive a call by the stateside team to address my situation. I have not received that call or any follow-up from Ocwen related to my calls that Friday. It is worth pointing out Ocwen has XXXX % of their staff and call center work in XXXX. Those staff are not XXXX, do n't understand the U.S. and basically read off a pre-scripted sheet. They are the only way to contact Ocwen currently. The only other way I 've found is to contact the CFPB for help. It was during that XXXX XXXX XXXX call center call I was appraised of the insurance release monitoring process they would implement. The problem is I already selected the contractor and had the work done to replace the roof and was not told of this until after! Their process was given to me after the roof completion and is not workable given what has already occurred. Ocwen told me I would receive a call within 24 hours to work out the situation. That did not occur. Beyond talking to XXXX, there is no way to communicate with Ocwen. I had submitted questions via their website months ago about another situation with no response to date. Try to contact them without using the cushy channel they 've set up to pretend the are working with consumers on financial matters in good faith. Please try so you can see what likely many are experiencing. Very difficult to interact with Ocwen and time marches on while the roofing contractor has completed the work and is waiting to be paid. Why no call from the stateside team as they told me I 'd receive? Why no email address to interact with Ocwen? I replied to their message ask for information on " Private Repair Guidelines '' as that is relevant for some work in scope. The email bounced as undeliverable. Or do n't contact us, we 'll contact you. Why not interact in good faith and follow-through as they stated with the stateside phone call to resolve given they created the initial error in not informing me of their process which is now unworkable. 

FYI : Ocwen is not an insurance company and are supposed to be loan servicing company. Apparently my loan was sold to them from a financial institution who said it would n't be sold! That will never happen again. I advise others to beware of and strike out the loan clause which says " Lender shall have the right to hold such insurance proceeds until Lending has had an opportunity to inspect such Property to ensure the work has been completed to the Lender 's satisfaction ''. Ocwen has taken that clause for a ride to include egregious recovery processes and not just a quality inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Credit card debt) with Gatestone & Co. International Inc. ().
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX has been calling my place of work and talking to several different coworkers as well as my boss about me and my financial situation he works at XXXX XXXX and Ive asked him not to contact me at work but says that the law allows him to. Hes threatened to keep calling and talking to my boss. This could get me fired as we arent supposed to receive personal phone calls Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief