milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On X/X/2017 I checked Equifax 's equifaxsecurity2017.com site to see if my personal information was compromised by this year 's cybersecurity breach. The website told me, " based on the information provided, we believe that your personal information may have been impacted by this incident. '' With access to my personal information that I believed to be secure in the hands of Equifax, I am worried that I am now at risk of identity fraud/theft and have had to go out of my way to place alerts on my file. Why was I not notified of this? I believe, as a consumer, the information we entrust credit reporters with should be treated with the utmost security and respect, and we should be notified immediately if it is compromised. Instead, I did not know my identity was at risk until I read the news.
Also, when checking the website, they attempted to convince me to sign up for a service which is publicly known for containing an arbitration clause. I find it outrageous Equifax expects us to waive our legal rights after this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Mortgage) with Ditech Financial LLC (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am writing to you about an account that Green Tree Servicing LLC which they purchased from another company called XXXX XXXX XXXX ( XXXX ). My account has been written off by the vendor for over XXXX years or so ago. On my last credit report which it did state it was written off and then the amount on that account was about XXXX times less than what they are claiming. I have all of my credit reports stating that fact. Also, They have been calling my house non-stop. Getting about XXXX of their calls about this. Then non-stop letters in the mail about this as well. I will be sending this information and my concerns to the Federal level, XXXX and also my congress person XXXX about this matter. I already tried talking to one of their representatives about this matter, but all he did was yell at me and also treated me like garbage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I 'd like to add to your investigation of Wells Fargo scams. They owe me and my wife a months payment and refuse to correct the situation. Since they like to utilize various techniques to sidestep the issue and ignore a court order I 've been keeping a correct record that I can send to whomever your investigative officer may be. I 've been keeping this record since 2008 and send a letter asking them to correct this issue with each mortgage payment, which happens to be made a month in advance, each month. They boldly ignore my request to correct the issue then insult us by sending a letter stating their refusal of our proper request to credit our payment to the account. Bottom-line : They 've absorbed an entire mortgage payment and are avoiding responsibility for the missing money which my bank processed to their account regarding our mortgage.

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 12-10-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have paid my loan within XXXX days of the due date but the mortgage company has not put the payment to the loan until after XXXX days and then places that I am XXXX to XXXX days late on my payments causing my credit rating to drop and making so I cant refinance and use my guaranteed VA home loan saving us thousands. This is not the first time. We had a problem with the in the past saying we had missed XXXX payments and it was from before they got our loan. I have spoken with OCWEN mortgage a couple times on this matter, they agreed my payments were current and paid within XXXX days but payments not applied until after. That 's not my problem. They payment was made within the XXXX days and needs to be made right on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with Penn Credit Corporation (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a Notice Of Collection dated XX/XX/XXXX.

on XX/XX/XXXX I called the number of the company, I asked for supporting documentation to support their collection amount, and more details, because the information on the letter is not correct. 
The representative simply hung up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did not authorized this hard inquiry

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After looking over my credit report I see the information is being reported wrong. So, I like to have the information reporting correctly on my credit report file. I had an account with XXXX Now that I paid off in full. But it is not being reported as so on 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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX-XX/XX/XXXX, {$2500.00}, this was paid in settlement in XX/XX/XXXX by me need to be removed from my credit report. Kohl's- XX/XX/XXXX, {$630.00}, this account is paid and closed need to be removed from my credit report. XXXX- XX/XX/XXXX, {$570.00} paid, closed need to be removed from my credit report. XXXX, XX/XX/XXXX, {$570.00} paid, closed need to be removed from my credit report. XXXX- {$30000.00} account is closed and paid need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Vehicle loan or lease (Loan) with CarMax, Inc. (SC).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I purchased an used XXXX XXXX XXXX at one of the Carmax locations in XX/XX/XXXX The car was at  57,000 miles and sold for alittle over {$17000.00} at the time. While doing the paperwork with the representative XXXX ( she no longer works there ) she explained the warranty and said I had to purchase it, and it would cover me for the first 3 years if something happened to the car. She also told me I had to sign an arbitration agreement or she could n't sell me the car, she did n't explain the specifics of the agreement, only that I could n't join any class action lawsuits against the company. Once my car reached 100,000 miles, it started shutting off on its own and when driving a certain amount of mph it would slow down on its own as if it was going to stop in the middle of the road then after awhile it would speed up to the correct amount of mph, then stop again. I called to do a warranty claim and was told it 's over 100,000 miles so there was nothing they could do, but I still had to pay for the warranty until the end of the loan. It left me in a bad situation. Being that they could n't be of any assistance with helping with repairs. I got a mechanic to look at the car and was told the transmission was slipping and the car appeared as if it had several body work done and it was just repainted to cover accidents the car previously had, the transmission had been worked on before and it was n't going to last. I felt like I was lied to about the car fax, which is probably why I was forced to sign arbitration agreement. All my payments were made on time and it was never a problem with me making my payments. I called Carmax in XX/XX/XXXX and told them to pick up the car, they picked it up 3 months later in XX/XX/XXXXwith no notice and kept my belongings inside the car without returning them. The car was sold at an auction and I received no notice to attend, they said the could n't reach me. I received letters from a collection agency which is a breach of the arbitration agreement on XXXX behalf, I tried to rectify this several times with no resolution. XXXX has charged off the loan on my credit under their company 's name but still sent a collection agency to collect balance, once they knew they breached contract they bought the account back from the collection agency and keeping it within their collections while adding on several fees and interest after the fact they have written the account off, but making it nearly impossible to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: Opened checking & savings account online with Capital One Bank ( '360 Account ' ), received approval / welcome email. Transferred {$500.00} to new checking & {$20000.00} to new savings account ( funds electronically transferred from my credit union account. 
Went to log on to new Capital One account and received message I can not log in and needed to call the provided customer service number, so I did. 
after taking 15 minutes to get to an agent, they told me I was refused a new account. I asked why and they said they could not tell me. They transferred me to 'Customer Security ' department ; same thing, refused and no reason provided. 
I requested all funds be returned to my credit union account. 
It is now 2 weeks and 6 phone calls since opening the account, I do not know why I was refused, and I still have not received my funds back. 
I will try calling them one more time then seek legal assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Debt collection (Credit card) with Allied Interstate LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Over 10 yrs ago I originally received a letter stating that I owed a store money via a credit card. I explained to them it was not my debt and requested a signature confirmation. This debt was claimed to have occured in another state where I had never been. They told me no signature was available which I then rewrote to them and said I was disputing the claim. After that, over the next few yrs, I would receive letters from various new debt companies stating I still owed. I would send requests and none of them ever sent me verification. The occurancy of receiving letters did diminish over the years to maybe once a year. Now again, I have received another one, I DO NOT OWE THIS DEBT!

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 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Experian misleadingly enrolled me in a credit monitoring service with a monthly premium using my credit card information. I requested an online cancellation in XX/XX/XXXX following the directions on their website. I received a cancellation confirmation email. I continued to receive numerous emails from Experian with no way of unsubscribing. They continued to keep my email & credit card information on file. When I logged in to look for a way to remove my email address I noticed that they kept my credit card information on file and there is no way to remove it. There is also no option to unsubscribe from the unwanted daily emails. Recently, in XX/XX/XXXX, they charged my credit card twice for the monthly premium on XX/XX/XXXX and XX/XX/XXXX. I NEVER consented to this or reactivated their services. I tried calling their customer support line and was on hold for more than 30 minutes.
Once I request a service cancellation, they should remove and purge my credit card information and contact information. They also fraudulently started charging my card a monthly premium within 6 days of each other for a service that I never requested to be " turned back on. ''

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 monetary relief
Consumer complaint received 05-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Closing/Cancelling account

Complaint: I applied a credit card from SAKS FIFTH AVENUE and I received the card on XXXX XXXX. I found it blocked and I made the phone call to unblock it on XXXX XXXX. I provided all the document required to verify my identification. Now it 's still under review and I can not get any estimated date. I can even not login my account online. I can also not cancel this card. It 's really stupid and the customer service just keeps saying they can not do anything while it 's under review.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: We entered into a Loan modification with our Mortgage lender Select Portfolio Services On our home 2 years ago. We were told to not make a few payments before they could start the loan modification. For 2 years they denied us but then let us appeal. Every time we would appeal we would have to resend all of the paper work in again because they misplaced everything. We did this around 12 times over the coarse of 2 years. Our house has been in a constant foreclosed state. We have not made any payments because we were afraid we would loose the house. We were just notified that they denied our Loan modification because the process has taken too long, which was not our fault, but would reinstate our old loan We only had 2 weeks to agree to the new terms or we will be foreclosed upon. The new terms are ; They doubled our payments so instead of {$3000.00} a month now it 's {$6000.00}. The whole reason we did the Loan Mod was because we could n't afford the old payment. Also they want a baloon payment of {$85000.00} in one year. Is this even legal?? These terms are rediculous and we can not afford this and are going to loose our beloved home of 26 years we have raised XXXX children there. They have forced us into foreclosure and we can not get a new loan because of back payments. Please help as the deadline is today. Sincerely XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Student loan (Federal student loan servicing) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I paid off final payment in 2004 and only 3 years ago started getting harassing phone calls and letters of garnishment from this company Overton, Russell, Doerr and Donovan, LLP. 
I only save my important paperwork for 8 years as does most people. 
They sent stuff to the XXXX District court and also on the paperwork are garnishee 's that have no idea what is going on and also I never had any loans with, not even associated with original school loans.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i never applied for the following inquires i disputed several times and they keep confirming this and its not mind i send over the police report they asked for and there still not removing the following fraudulent inquires that i NEVER authorized or applied for : accion new yorn XX/XX/XXXX credit XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX/XXXX/14, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX logic XXXX logic XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX factual XXXX factual XXXX payment systems XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX trust XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (VA).
Issue: Managing the loan or lease

Complaint: Making payments on time to Well Fargo. XXXX completed a credit check and determined that our account should be closed, so Wells Fargo closed it. 

I am working to keep our credit as good as possible, although we are having trouble. I paid this bill one time each month and now get to pay a bill to a closed account. Very discouraging and hope to never have to deal with Wells Fargo in future once this is paid in full

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (I do not know) with First National Collection Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I believe First National Collection Bureau started sending letters to my home around XXXX, 2016 for a debt of XXXX they say I owe. First they are asking me to make XXXX payments of {$340.00}. Then, they are asking me to make XXXX payment of {$86.00}. Around the same time, I started receiving numerous phone calls saying nothing or asking me to stay on the line. I hung up every time I received XXXX of these calls because I thought it was someone trying to sell something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit report has an error. Midland Funding reports that my account with Nordstroms was opened in XXXX, 2013 ; this is incorrect information and may negatively affect my credit. I wish this incorrect information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Struggling to pay mortgage

Complaint: A review with XXXX XXXX XXXX started in XXXX of XXXX. A call to XXXX XXXX, at XXXX XXXX XXXX on XX/XX/XXXX stated that all documents were deemed to be complete. This review carried on into XXXX with no decision yet and then a call on XX/XX/XXXX to XXXX XXXX XXXX advised that they had service transferred the loan to Select Portfolio Servicing on XX/XX/XXXX but failed to send anything about this service transfer till XX/XX/XXXX ( leaving over a month of not notifying the client of who was currently servicing the loan ). When contact was made with Select Portfolio Servicing finally on XX/XX/XXXX they stated that they did not transfer the review and they needed a complete new packet. They were required to follow the same servicing guidelines as the previous servicer and because they did not, they made the client who would have been eligible for a Making Home Affordable Modification review not eligible since the program ended on XX/XX/XXXX. The review should have continued from the previous servicer and eligibility for the Making Home Affordable Program should have been reviewed. Since the servicing of the loan was not properly transferred the client improperly was denied an option for loss mitigation assistance. The result of the most resent review states that they denied the modification review because of it being " a bad business decision '' and that the loan is not eligible to be modified. In a QWR response by the previous servicer, the owner of the note is named as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was a participate in the National Mortgage Settlement Agreement. As participants, the consent judgement XXXX XXXX XXXX XXXX. signed requires them to review for a modification to make the loan more affordable. The consent judgement order from the courts dated XX/XX/XXXX changed that servicing requirement for XXXX XXXX XXXX XXXX owned and serviced loans investor guidelines where they might prefer not to as specified in the original mortgage note. In this consent judgement there is not a provision for a denial based on " bad business decision. '' They also are required to advise of the financial information that they used to make the decision ( gross income and household expense calculation ) which they are not. The denial leaves it completely unknown as to the information they used to reach their decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My debit card was stolen and I did n't notice at first ( it was switched out with a fake one ). Whoever then stole it depleted my account from an ATM XXXX miles outside of the city I live in ( I do n't have a car, and even XXXX receipts can verify I was nowhere near this ATM. 

Bank of America initially issued me a temporary credit for the stolen amount but then found the claim was denied, taking the amount back causing me to go negative and now are piling on over draft fees. 

I filed a police report the day this happened, appealed my claim and gave them the police report number so they could pull video footage from the ATM ( which would obviously prove it was n't me ). However they denied that appeal as well and I am stuck with nothing to do and my account being negative. 

I thought about taking legal action but the cost of a lawyer might even be greater than the amount taken. Someone stole my money, Bank of America does n't believe me, and I want to prove that it was n't 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