milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My vehicle was totaled in  XXXX / XXXX / 2017 , my insurance  XXXX  mailed a check to  Credit Acceptance on   XXXX / XXXX /   2017  and this check was cashed for {$9300.00}. The balance was  XXXX . We were notified by Gap insurance, additional monies was paid on    XXXX   XXXX  2017 , leaving me a balance of {$200.00}, which I paid at that time. Paid in full letter was dated  XXXX  2017  fr om Credit Acceptsnce. My  credit report is showing a balsnce of over  XXXX  and when I filed a dispute with   XXXX   to have my report update d, Cr  edit Acceptsnce stated all information was correctly reported in my report. Plea se hold this company accountable, as they have not reported any payments beyond    XXXX    2017   . This is affecting my score and I am in the process of purchasing a home.

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 05/26/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX account # XXXXdoes not belong to me. I have no knowledge about thisaccount. I have requested a validation of alledged debtsXXXX times over the US mail for the last XXXX monthsdirectly to collector as well as I 've placed several disputes with Experian credit bureau. Never been responded by both oof them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I took a mortgage in XXXX of XXXX with XXXX and my then husband, for XXXX, the the best of my recollection. In XXXX, we separated, and he remained in the house covered by the mortgage. In XXXX, I had a XXXX Chapter XXXX which included the mortgage. XXXX stopped reporting it to all three credit bureau. Upon very bad advice from a lawyer, I quit-claimed the deed to him without him refinancing the loan. He then modified the loan with XXXX XXXX XXXX, increasing the term to 432 months from 360 months, and the amount to over XXXX from the original terms. I NEVER signed for this increase. XXXX XXXX XXXX, in XXXX, FL, states that they can modifiy the terms of the loan without my signature, and they have started reporting it on my credit report as of XXXX XXXX. The loan is already delinquent ( as of XXXX XXXX, XXXX, due for XXXX XXXX ). XXXX XXXX told me NOT to complain to the credit bureau, I did and Equifax already removed it but the other two have not. XXXX XXXX continues to report and I have been denied for two car loans because of " Excessive Obligations '' because the payment on this loan is {$3600.00} and I have my mortgage of {$1900.00}. The company stubbornly refuses to remove it from my credit report, and I will not be able to get a car loan or any other for the next XXXX years as a result.

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 09-08-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I submitted the loan Modification to Ocwen Loan Servicing, LLC. XX/XX/XXXX and conditions on XX/XX/XXXX. I do not receive Ocwen Loan Servicing, LLC. non-approved letter untilXX/XX/XXXX. Under California Homeowner Bill of Rights : SEC. 7.
Section 2923.6 of the Civil Code is amended to read : 2923.6.
( d ) If the borrowers application for a first lien loan modification is denied, the borrower shall have at least 30 days from the date of the written denial to appeal the denial and to provide evidence that the mortgage servicers determination was in error.
( e ) If the borrowers application for a first lien loan modification is denied, the mortgage servicer, mortgagee, trustee, beneficiary, or authorized agent shall not record a notice of default or, if a notice of default has already been recorded, record a notice of sale or conduct a trustees sale until the later of : ( 1 ) Thirty-one days after the borrower is notified in writing of the denial.
( 2 ) If the borrower appeals the denial pursuant to subdivision ( d ), the later of 15 days after the denial of the appeal But Ocwen Loan Servicing, LLC. ignored the law and continued foreclosure on my property, their attorney mail me the Notice of Trustee 's Sale date on XX/XX/XXXX.
Ocwen Loan Servicing, LLC. and their trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX continued to ignored the law and foreclosure my property.
Please see attach all documents for your to review.

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 06-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a letter from a debt collector Diversified Consultants located at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL  XXXX  regarding a debt for   XXXX   XXXX   XXXX   for {$130.00}. I have not used   XXXX   XXXX   XXXX   XXXX  . I believe that I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This " debt '' is for a {$40.00} bottle of Foundation ( makeup ) that was returned. Despite this being returned, XXXX still continued to charge me late fees. This whole {$120.00} is for late fees on a product that was returned!

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Fraud or scam

Complaint: I was promised a mortgage loan from XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX , however, I was asked for total of XXXX in forms of wire transfer and 2 cashiers check. As of today, cashiers check for XXXX has not been cashed, I have gone to 4 different bank of America bank to ask them to please stop payment on this. I even showed them all the documentations that I have filed with The Attorney General office and Better Business Bureau, and I was told they can not do this. XXXX XXXX XXXX XXXX failed to provide me the loan that they promised. Please help me get this money back. I will send all documents to you. thank you.

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 02/16/2017 about Prepaid card (Payroll card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX, 2017, my card was compromised for {$190.00}. American Express alerted me of the fraudulent charges, however, they are refusing to refund me my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Moved out of the house at the end of XXXX in anticipation of selling it. Had a buyer interested and ready to buy in XXXX. Closing took a lot longer than anticipated and buyer ended up moving into house in XXXX with a lease buy back agreement. While we were out of the house i didnt make a payment in XXXX in anticipation of the house closing. I never received a XXXX payment slip or phone call regarding the XXXX or XXXX payment. I thought since i didnt recieve a payment slip or phone call that i didnt need to make a payment in XXXX because the house was in closing. I didnt realize until i went to re finance my current house that First Tennessee Bank had reported me 60 days late. FTB was the 20 % of an 80/20 loan and the main mortgage company, XXXX ( who owned the 80 % of the mortgage ) did NOT report me 60 days late yet both payments were due at same time each month.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for a new checking account with US Bank on XXXX XXXX via an emailed promotional code ( pic attached ). The promotion promised a {$150.00} bonus for completing XXXX bill payments within 60 days of account opening. I completed the required bill payments on XXXX XXXX ( pic attached ). It 's been well over the stated 60 days since meeting the requirements for US Bank to honor the promotion. I have contacted US Bank via their XXXX #, as well as visited their local branch multiple times to inquire about this and get resolution to no avail. It was confirmed to me by a local banker that I successfully met all requirements, however was told there was nothing he could do and that an internal department only had control of crediting customer 's accounts. Nothing has come of that. I 've been passed around and given excuses for weeks. I have documentation of the promo code email used to open the account, the qualifying bill payments, as well as a screenshot of the original public offer from US Bank 's website.

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 11/17/2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (OH).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Executive Office Chase Bank Mail Code XXXX XXXX XXXX XXXX XXXX 
XXXX OH XXXX Thank you for your letter dated XX/XX/XXXX in response to my complain to Consumer Financial Protection Bureau on XX/XX/XXXX. 
On XX/XX/XXXX my account balance was {$15000.00} and I was very careful not to withdraw from this account because I would have lost my bank credit of {$200.00} if I did so before 90 days. 
On XX/XX/XXXX I went to the branch in XXXX XXXX and deposited enough cash to bring my son 's account ( ending in XXXX ) balance to {$15000.00} in order that he also receives {$200.00} credit. I received statements from the teller that both of us had {$15000.00} in our accounts ( see attachment ). My account was ending in XXXX Our account balances stayed at {$15000.00} until XX/XX/XXXX but all the sudden on XX/XX/XXXX there was a {$3800.00} withdrawal from my account ( ending in XXXX ) without my authorization. 
Your explanation on your letter dated XX/XX/XXXX is so complicated that I have problems understanding it but even if there was a withdrawal of {$3800.00} from my account on XX/XX/XXXX because your computer did not deduct from my account you are responsible for the confusion because otherwise I would have deposited the right amount on XX/XX/XXXX to bring my son 's account to {$15000.00}. However I have lost {$3800.00} due to your computer error. 
On page 2 of your response you are stating that " If you did not intend for the total amount of {$7300.00} to be posted to your son 's account, you may wish to resolve this matter directly with your son. '' My response to your above statement is : this is your responsibility not mine.
Sincerely Yours XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Shortly before my husbands death we had to file bankruptcy. My mother mived in with me and helped me get some credit cards i my name but under her account. All XXXX credit reporting agencies have listed the total debt of both of us as being my total debt. This is completely wrong. Also with XXXX XXXX they did give me a separate account # but have it listed twice as me debt. It is still listed under her account but is listed twice on my credit card report, Technically I have XXXX credit card that is mine and is my name only. by doing what they have done it makes my credit look a whole lot worse than it is. I 'm trying to establish my credit on my own again. The way it is now it looks terrible

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 09-08-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am a former student of XXXX Colleges and attended the XXXX campus. I was conned into taking out their so-called XXXX loans referred to as XXXX loans. The CFPB sued XXXX XXXX for XXXX XXXX dollars for illegal predatory lending. Unfortunately I was n't able to receive any relief from these predatory loans because my loans were sold before the lawsuit. This in my opinion is unfair, as I was still a victim of predatory lending, and it shouldnt matter whether or not these fraudulent loans were sold or not!! They are still fraud!!! Now they have been sold once again to UAS. I refuse to make any payments on these loans, and I disputed the validity of them with XXXX as well as the FTC. The loans have since been removed from my credit report. I received a notice in the mail on XXXX/XXXX/2015, stating if I didnt make a payment, i would be turned over to collections, and forced to pay all of the fraudulent loan plus fees. I am unemployed, I have no money, and I will not pay this fraudulent loan that I did n't get relief from. 
It should n't matter that these loans were sold prior to the lawsuit. What matters is, I AM A VICTIM OF PREDATORY LENDING!!! This company is getting away with fraud!! 
I want relief from these sickening loans!! I want this lending company to cease contact with me. They told me on a recorded line, that they had nothing to do with XXXX XXXX and they could do what ever they wanted. It is my understanding that they have to abide by the same rules as XXXX did, regarding the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Student loan (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Weltman Weinberg and Reis is showing up on my credit bureau and they are claiming that they represent XXXX XXXX XXXX which was as loan provided by XXXX in 2005 that I claimed chapter XXXX on. The statue of Limitations is really up and XXXX XXXX XXXX is no where to found anymore. The attorneys office is just a collection company and they wont provide any info on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I am a scam and Identity theft victim. In   XXXX   XXXX     two people scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the  XXXX   county DA office.  There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX .     There are  six  people that I know who have filed police reports on these  two  and we are all working together toward getting justice.     Now, I have disputed the charges on th e Barclaycard.  THESE CHARGES ARE FRAUDULENT.      XXXX   XXXX   AKA   XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX  applied for several account and auto loans without my permission. Barclay is one of those account that they opened up without my permission.     Despite numerous attempts to resolve this matter I am still being harassed to pay these fraudulent charges since   XXXX   XXXX   ( 10 months ) I will repeat myself. THESE ARE FRAUDULENT CHARGES. I suggest you take a look at their  XXXX  and see what they have been doing. Plus I am providing some picture from the  XXXX . Note the pictures are dated prior to scamming me, so they have been doing this a long time.     The credit bureaus have removed the accounts. Now I request that  Barclay  remove all fraudulent charges.     I am providing some additional information.     Check out the  XXXX  page. Scroll down all the way down. https :  XXXX  They boast about money and only criminals do this.     I have provided some pictures of the scammer and they bragging.     I just want it all to go away now.     PS : I can provide witnesses and their police report upon request.

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 07-09-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has been reporting to the credit agencies that we have missedmortgage payments and are delinquent. The reporting of this information by Wells Fargo is an error and is false. As victims of XXXX XXXX, we were told by Wells Fargo that we were eligible for a forbearance on our mortgage payment. We were informed that the excused mortgage payments would be added onto the end of the loan. After several months of the forbearance, we started to make our usual monthly payment. Shortly thereafter, we received notification from Wells Fargo that the entire balance for the months of the forbearance were due in full. We continued to make our monthly mortgage payment, however, the payment was being applied to the first month of the forbearance, thereby, making it appear that we were continually missing payments. 

When we called, we were told by Wells Fargo that the information we received regarding the repayment of the forbearance was incorrect. Wells Fargo stated that this was the result of inaccurate and misinformation being administered by customer service. In an effort to administer aid to XXXX victims as quickly as possible, customer service was not fully knowledgeable of what procedures regarding forbearances were permitted and how repayment was to be handled. 

For the months we were given the forbearance by Wells Fargo the funds were used to repair the residence. This was necessary because FEMA did not provide any funding for over XXXX months. When we received the final payment from FEMA and paid off the contractors, the funds remaining were used to catch up with the payments missed as a result of the forbearance. By this time, our credit report indicated that we had missed eleven mortgage payments. We have made numerous phone calls and even have written a letter to the office of the CEO, to try to resolve this error to no avail. It can be verified that prior to the authorized forbearance by Wells Fargo, we never missed a payment nor were we ever over XXXX days late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX transferred servicing to Greentree but did not notify me properly of the transferring. XXXX previously notified me that they were transferring the servicing and subsequently sent me a letter notifying of the cancellation and disregard the letter. I paid XXXX through XXXX until I received a return of payment. I contacted Green Tree who stated they had received transferred payments from XXXX and my servicing had transferred since XXXX 2015. Green Tree requested I pay the XXXX payment although the payment had been made to XXXX thus I have made XXXX payments in XXXX month. As of today the payment has not been transferred and I was required to make a payment. This property is on an active Chp XXXX BK but when speaking to the Green Tree representatives, all of them today due to transferring back and forth XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX ) she stated that the property showed the stay had been lifted. On further investigation she advised the stay was associated to another property. Therefore second inaccuracy is being reported erroneously on my credit and not paid as agreed and I am receiving collection calls in violation of the Chapter XXXX BK. I contacted XXXX and spoke with XXXX XXXX XXXX who confirmed my XXXX payment and all prior payments had been transferred to GreenTree. He is investigating. He could not confirm the supposedly relief of stay that Greentree indicated XXXX had provided but transferred me XXXX XXXX who after my explanation asked to place me on whole and the call was disonnected. I recalled and spoke with XXXX XXXX who stated their records show no motion of relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with Sterling & Associates, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I was called on XX/XX/XXXX and told if I didnt pay this debt by the end of the business day, I would be arrested by my sheriffs office. 

I let them know that I had {$220.00} to my name because Im unemployed and I have them {$200.00} of that. 

This is a debt that is close to 12 years old and has tried to be rectified one other time. No one needs to be threatened. 

I paid {$200.00} immediately and set up a payment plan for {$410.00} that would be paid on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I received a message to call them to confirm my next payment.

Company response to consumer: Untimely response
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of 2012 I contacted XXXX to purchase internet service for my apartment. Since I was never able to actually connect the services, I contacted XXXX and cancelled my service. The account representative informed me that there would be no balance due. To date, I have received numerous collection notices for this XXXX account. I have disputed the validity of the debt with each collection agency and have never gotten a response from any. I still continue to receive negative marks on my credit as a result of this account.

Company response to consumer: Closed with non-monetary relief