milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting the same Child support account twice on my credit report XXXX and refuse to remove one of them. You can not duplicate the same account twice on a credit report. Making it appear as if you have more accounts then you really do, giving the lender the impression that you have more debt. I spoke to the supervisor from Equifax and that they are XXXX different account when clearly it is the same account. Same account number, same schedule payments. I only have XXXX child support case anyway so it is impossible for me to have XXXX accounts anyway. I ask the supervisor to remove it right away because it is a violation to my credit report, because they are reporting the same account twice. They said the most they can do is a 30 to 45 day investigation for an account that is clearly duplicated. XXXX problems I have with that, XXXX is there should not have to be a investigation for and clear error and XXXX Equifax also pull your credit score down up tp XXXX-XXXX points during the investigation until the investigation is finish making very unfair to the customer to look for funding during this time. Just because the account is reported on different days do not mean it is a different account. If the account has the same account number it is the same account. I want Equifax to remove the clearly died account that say XXXX balance off my credit report because that account is clearly not reporting anything. It just sitting there making it appear as if I have more then XXXX child support case and I do n't. Your credit report is very serious, Credit Reporting agency is quickly delete any duplication accounts and clear errors right away. This can hurt the customer and the error has nothing to do with them. If these was XXXX different account I would understand the investigation and the rules of 30 days. I will attach the document that shows the XXXX same accounts. I understand accidents can happen. But when it is clearly a accident remove it right away or they should get a fine. That is the only way these companies will take the customer serious.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: an account that does n't belong to me is reporting on my credit, even though, I previously disputed this and it was corrected, it is now on my report again XXXX which might have to do with my ex-husband marrying a girl with the same first name as mine )

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never had a XXXX account or any such entertainment provider. This appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested debt validation from this company several times. I have requested information about what this account is for, the date of XXXX delinquency, and an itemized final bill from ERC. 

The XXXX request was over 60 days ago and the last request was over 30 days ago. The only information I have recieved is a paid in full letter. I requested debt validation. 
I was told over the phone that ERC does not have this information and they need to contact the Original Creditor for this information. 
I paid this debt in full to the Original Creditor, ERC is continuing to report this debt with inaccurate information to the CRA including the date of first delinquency and the amount of the debt owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I applied for a home equity line XXXX mortgage and at the end of 5 year I was hit with a balloon payment which I was not aware of when I applied and was not reviewed with me at signing.

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 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Transunion charged me on my credit card for credit checking services that I did not request. 
The charges were as follows on my XXXX Credit Card XX/XX/XXXX for {$29.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, Total Card Credit Bill = {$160.00}. 

I discovered that my credit card had been charged in early XX/XX/XXXX. I called Transunion Company on XX/XX/XXXX. It was my understanding that Transunion would refund me for all of the above charges. Instead, Transunion refunded me for only {$19.00}. I contacted my credit card company which is XXXX XXXX. They refunded me for two months of charges. Therefore, the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX bills have been refunded to me ( 2 x XXXX by XXXX XXXX XXXX and {$19.00} by Tansunion ). 
I am requesting that the other charges for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be reversed and that I get a refund for the charges for a total of {$100.00}. 
I called Tranunion Company on XX/XX/XXXX in order to resolve the issue. I called Transunion ( Ph XXXX ) and spoke to an Employee/ Supervisor with the name of " XXXX XXXX '' He refused to give me his last name. He gave me the following reference number : XXXX. The company refused to credit me for the charges.

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 04/17/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IN).
Issue: Taking out the loan or lease

Complaint: ALLY AUTO IS NOT REPORTING TO  XXXX  ONLY! THEY MUST CALL THEIR   XXXX    RESPRESENTATIVE FOR HELP IN UNSUPPRESSING MY  XXXX  CREDIT REPORT, YOU ARE PAYING FOR BUREAU I.D . AS A CREDIT FURNISHER.

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 10/31/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I recently applied to my mortgage lender, Wells Fargo, to have PMI removed from my monthly mortgage payment. I paid Wells Fargo {$100.00} to have a Brokers Price Opinion performed with the understanding that since I had not made any structural improvements the LTV % would need to be XXXX % of the BPO or lower. When the BPO came back, I was at XXXX % and there was no letter attached stating my options. I called WF and asked about the options. They explained the options including that if I did nothing the PMI would be removed when the LTV hit XXXX % of the BPO which would be in XX/XX/2017. A few days later I received a letter from WF with my options and the above option was not listed. I called today to get clarification and they now say that the option explained to me was not correct. I want them to live up to the option they described on the phone!!!

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 07/17/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am refinancing my mortgage with Residential Home Funding ( RHF ) and wanted to complete the process as a  XXXX . The existing mortgage company is Ocwen, and assumed servicing the loan when GMAC went out of business. I was told that their process would cost me {$600.00}. and would take 6-8 weeks to complete. I started the process on  XXXX    XXXX   and the title company for RHF handled the initiating process. I reached out to their lead person for the process (   XXXX   XXXX   ). After waiting for 8 weeks, Ocwen informed RHF that they did not have the orignial note. RHF ask for a Lost Note Affidavit in lieu of the note so that the closing could proceed, and Ocwen refused. I have written to  XXXX  and just left another message for her today (  XXXX / XXXX /2017 ) pleading that they provide the affidavit since the original note is lost as she has indicated in her email to me. My ask is that they provide the document before I lose my interest rate lock and are penalized and I have already paid their fee of $  XXXX .to engage the process. As a consumer, I feel that I am caught in the middle of a bureaucratic nightmare that is truly one company 's policy, that at the very least should have been stated up front before they took my money and down this 8 week path to no where.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: I deposited a check at a Wells Fargo ATM and the ATM gave me a message that the check balance will be available the next day. I get a email from Wells Fargo 2 days later that the balance will not be available until the end of next week. I contacted the issuing bank and the funds had already been withdrawn. I contacted Wells Fargo and there answer was " that as a customer I was rolling the dice when I deposit a check ''. This is a crazy response!

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 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: American Express wrote me a letter that if I paid my balance in full, they would reinstate my card. They have not done so despite my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called claiming they wished to contact my friend for a job offer and that he had left my information as reference for said job. They claimed they can not contact him and asked that I forward information to this friend to call a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX extension XXXX. I 've received several calls over the past year with the exact same claim for my friend, which i know is a scam attempting to get me to do their work in a collection attempt. Seeing as I have not given them permission to contact me on a regular basis yet they continue to call me with this scam, this can not be legal. Caller ID showed the number originated from the collection agencies Arizona number : XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Mortgage (Other mortgage) with FREEDOM MORTGAGE COMPANY (PA).
Issue: Settlement process and costs

Complaint: Just recently my husband and I were contacted by loan officer XXXX XXXX XXXX who works for Freedom Mortgage Corporation. He recommended that we refinance our home since interest rates are at an all time low. My husband asked XXXX XXXX what the closing costs on our end would be since we have not really saved for a refinance at this time. He explained that there would be no closing costs since Freedom Mortgage currently holds out loan. My husband then continued to explain that when we built our home with XXXX XXXX that we opted to take a higher interest rate to not have PMI. He asked XXXX XXXX if by refinancing we were now going to have to pay PMI. XXXX XXXX said no we would not have to pay PMI and there would be no closing costs for us. So at that we decided to go forward with the refinance. After submitting all the necessary paperwork required we were approved for the new loan at the new rate. XXXX XXXX sent us all the paperwork to sign electronically which after careful review and seeing indeed there was no PMI and no closing costs to us we signed and submitted the paperwork. Not long after we submitted the paperwork we received an email from XXXX XXXX the loan processor stating that we do indeed need mortgage insurance. I explained to her the situation and she said she would reach out to XXXX XXXX. After weeks of trying to get in contact with XXXX XXXX he has not returned any of our emails. The only thing we received from XXXX XXXX are new documents to sign which show that we now would owe over {$4000.00} in closing costs. He has had no contact with us and refuses to return any form of contact or answer our questions.

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 06/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by Procollect collection agency about an apartment i rented in 2013. during that time i gave a 45 day notice i would be breaking the lease and paid an % XXXX Re-Letting fee. a couple weeks later the apartment i was renting was rented to another person. a month after that my account was reported to collections even though they stated after the apartment was re-rented the only penalty i would pay was the re-letting fee i had already paid. i have contacted the collection agency XXXX asking for verification of the debt both times they told me the would e-mail it and mail it through the post office. Neither time did i receive any verification of the debt. i sent them proof of my 45 day notice of me breaking the lease and the money i paid for the re-letting fee. They then told me they would subtract the re-letting fee i paid from the principle debt. which they never did. and i still have no verification of this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (ND).
Issue: Other service problem

Complaint: My coinbase.com account was suspended due to me being a XXXX resident, I have since moved to XXXX XXXX and have sent in my new ID and received confirmation of my ID being verified by the customer support but my Account is still blocked. Coinbase did get in touch with me briefly but have stopped responding to any of my messages or complaints. I have messaged them daily with no response for over a week. I just want to make sure that I have not been scammed out of my money ... my login for coinbase is XXXX Thank you for any help you can provide

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX I applied for a home mortgage and was denied on the grounds of a Foreclosure showing from XX/XX/XXXX.  Herein lies the problem, XXXX XXXX XXXX reported the Foreclosure on the above listed date.

First, this foreclosure does not show on my Consumer Credit Report so I was unaware of the foreclosure until I attempted to obtain this new Mortgage.

On XX/XX/XXXX, myself and my ex-spouse signed a Deed in Lieu of Foreclosure.  
On XX/XX/XXXX I received a IRS Form XXXX showing Cancellation of Debt.
On XX/XX/XXXX a Satisfaction of Mortgage was recorded.
On XX/XX/XXXX the aforementioned Foreclosure was recorded by XXXX XXXX XXXX, a company I had never heard of or was ever advised had any interest in any mortgage.

Ultimately as a result of this Foreclosure that, as stated before, I had no knowledge of, I have been denied a new Mortgage.  This filing, that does not show on my Credit Report is the sole reason for the Mortgage Denial.

My question is, If I was given an acknowledgment of Cancellation of Debt in XX/XX/XXXX, how can a Foreclosure be recorded in XX/XX/XXXX by a Servicer I've never heard of, without me being notified of the action.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX in XX/XX/2009 I believe and was told if the money is used for school I will not have to repay. I only received one check for {$1100.00} the rest the school kept. I only applied for grants as well & I did n't think those had to be paid back. As far as XXXX College online, I was told the cost of my schooling would be {$9000.00}, I never once received a check from them, I applied for student grants and was approved, so I am not sure why my student loans are so high. Please help me understand. This has gone on entirely too long. They are taking advantage of less fortunate individuals and it is not right. I just want to be able to provide for my family as everyone else does. Being on welfare is not an option and I do n't want my family to think that is the only way to survive either. Justice needs to be present for all individuals no matter the race.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have tried for months to have my interest rate reduced with XXXX I never stated that I was behind with payments I am requesting a reduced interest rate which is XXXX percent why can it nit be reduced to 5 % or lower I pay my mortgage on time requesting a reduction with this outrages rate how can companies get away with this I would like an answer to why it can be reduced

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (IN).
Issue: Charged fees or interest you didn't expect

Complaint: I got a loan with them initially the pay off amount was  XXXX  they would not let me view the truth in lending or loans and started debiting my bank account every  2  weeks  XXXX  I looked on the website and they have made a repayment plan for  1 whole year every 2 w eeks for  XXXX  I would have never signed anything had I known they would charge this much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EQUIFAX, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Judgement in XXXX, TX I 'm not the correct person and I received a letter from the court stating they have never nor do they report to credit and they claim equifax and experian must be getting this information from a public data site. XXXX has removed it based on the letter equifax has not. Again, these have been NEVER reporting to any of the credit bureaus. We have asked or proof and validation of the Judgement from Equifax and XXXX and both have failed to respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: delinquent account listed on my credit report by credit agency Experian that is not mine. Experian stated it was verified to be mine from an apartment complex in XX/XX/XXXX in XXXX Md whereas I have resided and currently reside still at same address in XXXX XXXX Md since XX/XX/XXXX. I asked to be provided with documentation supporting their findings such as my signature in agreement with account and i have not been provided with any support from Experian

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Problems when you are unable to pay

Complaint: I financed a truck with my now ex-husband. In my divorce I received the vehicle and was making timely payments until I lost my job. The finance company came and got the vehicle. I paid what I was behind to get the truck back. After picking it up I discovered that the transmission had been destroyed in the towing process and would cost me nearly {$4000.00} to repair. The finance company and towing company refused to help me resolve the issue and I sent the truck back. The finance company now says I owe more than I originally financed, claims to have sold the vehicle but refuses to provide me with documents showing in detail what it was sold for and what I owe. They call me and harass me every day and still refuse to provide me with documentation, even though it has been nearly a year since they originally picked up the vehicle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have attempted to report errors on my equifax report but can get no response from them, There is an incorrect name, address and previous work in my credit report, please help

Company response to consumer: Closed with non-monetary relief