milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was issued cards in error the company Capital One in this instance did n't have proper protocols in place and issued more offers and cards to me then allowed. They then tried to guide there error in the name of fraud when in fact it was a computer error. My issue was and is that I closed down my other consumer accounts and have no recourse because of Capital Ones errors. So they have no mechanism in place to rectify my situation and may close down my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to start a dispute with Experian but they refuse to give me my report or answer the phone. Because Experian have again changed my address and are reporting information that is not mine on my credit report, the questions they ask online for authentication do not pertain to me because Experian are again reporting wrong information about another person on my credit report. I have sent them the Authentication documents now XXXX times, yes that is XXXX times and still they do not get it right. I have cost me {$4100.00} in phone calls and faxes and mail costs to try and get a correct credit report from these people. Today I spent over XXXX hours on the phone with XXXX or some such place telling the same story over and over again to people who hardly speak English and have no idea about the XXXX postal system. Eventually I got connected via XXXX back to the XXXX and had to start all over again. I want to know when am I going to get my credit report so I can file a law suit and get the costs back for the erroneous credit reporting and continued damage done to my financial reputation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2015 about Bank account or service (Other bank product/service) with Comerica (FL).
Issue: Account opening, closing, or management

Complaint: Good morning, I retrieved my credit report and credit score from the annual credit web site. I called Coamerica Bank and spoke with XXXX XXXX from the HELOC department and informed her that my credit scores is XXXX and I have declared bankruptcy 5 yrs and I have a discharged 4 years ago. I informed her numerous time what was Coamerica credit scores criteria and bankrupcty criteria as I was interested on a HELOC for $ XXXX ( my primary house value is {$370.00} ) the CLTV would be 35 %. She mentioned in order to know if Coamerica would accept it, I would have to apply. I did and after 10 days, Coamerica denied my HELOC based on these issues. I could have prevent it and although is minor, it would n't affect my credit scores nor taking her time, nor mine. My issues is to either coach and train the employees at Coamerica so any future consumer will not go through the aggrevation. The disclosures are great however ; product knowledge from the initial contact would be better as the consumer would know whether to proceed or not. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I am contacting you once again about my mortgage company Wells Fargo, who I do not think is following the guidelines to have my modification approved. I have attached documents and letters from Wells Fargo stating they would help with modification of reinstatement of payments and each time I call I get different answers. So please let me know if you can help.

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 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: they try to sell me more XXXX and services to make money did not correct information in file all XXXX credit Bareau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (PA).
Issue: Credit decision / Underwriting

Complaint: In XX/XX/2016 I was contacted by Freedom Mortgage and they offered my the option to refinance my home. The suggested that we go with the XXXX as the was a quick and easy process. Freedom Mortgage continued to state that they were missing information that was provided several different times. After acknowledging that they had received the correct information they then took over XXXX days to get a loan processor assigned. We XXXX months later we finally got to the final stages and I found out my current mortgage was transferred from XXXX to XXXX. I was primsed that the transfer would have no adverse affect to me during the XXXX day grace period. I ended up making my XX/XX/XXXX payment in XX/XX/XXXX as a result of the loan transfer. Freedom Mortgage is counting this as late payment and XXXX refuses to update my records to reflect that the payment was not late in accordance with the loan transfer law. We have tried to resolve this with each bank but both are claiming there is nothing that can be done. I contacted HUD and opened case # XXXX as they claim that FHA guidelines would not block with Refi under these circumstances. I am not in fear that I am going to lose out on my current locked interest rate with Freedom. Freedom has acknowledged their errors to me as well. I did not ask for my loan to be transferred and now I am being penalized as a result. Not to mention, if loan was processed within the time frame promised, I would be in this situation. I feel some of the practices on both Freedom Mortgage and XXXX Mortgage are unfair and deceptive

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 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On X/XX/17 I set up auto payment for my new credit card account with Capital One. Apparently this auto payment information did not save? No one reached out to me, but when I logged in 3 months later I saw I was 2 months past due, 2 months worth of late fees had been assessed, my account was now past the limit because of the additional fees, and I now had 60 days late on my credit. When I reached out to the agent she suggested I perhaps updated my checking information. I did n't - and when I went to make a payment the information was still stored. She then suggested perhaps my email went to spam? Something like 30/60/90 days past due because of a glitch in the system require more than an automated email that goes to spam. When a consumer sets this up, the intent is that it works and they do n't have to check back in every month to ensure the company 's software is functioning properly. Furthermore, I tried to discuss this with the agent who gave me incorrect information, then continued to just copy + paste all of my past due dates, which does n't even start to resolve the problem. The chat was with XXXX XXXX, starting at XXXX. Her ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Consumer Loan (Installment loan) with Colony Brands, Inc. (OH).
Issue: Managing the loan or lease

Complaint: This complaint is against the company Ginny 's which has extended tome a line of credit with a fixed payment amount. At the time of the problem my payment to them was XXXX dollars a month minimum. 

The basis of my complaint is that beginning on XX/XX/XXXX I was informed on the Ginny 's website that I owed them nothing. The payment amount which showed on the payment screen showed XXXX and the balance on the account was also XXXX. 

i checked this many times between then and today ( XX/XX/2017. Every time I logged on to my account i got the same information. 

They have tried insinuated but never clearly stated that this was a different account. Yet, it includes current information. 

Until I too my credit and debit card information off the account it had them posted even with updated information of recent changes to these cards. 

Please refer to support documents which verify the facts in this complaint. 

I will admit that the account numbers on the account did not match the ones on my bill which was sent in the mail. However, both accounts had the same information associated with them. 

The fact is that if the website says I owe nothing then I feel that I do not owe them anything. 

At this point I do not feel confident in allowing this company access to any of my personal information. They already have access to good portion of it. 

I have had to change bank accounts to avoid them having any of my banking information. 

This only a brief explanation of my complaint. I have provided a more detailed explanation with the support documents which accompany this complaint. 

Out of courtesy, i did send a letter to Ginny 's explaining my complaint. I never got a response on the letter nor even an acknowledgement of this problem. The letter I sent them is also included with the support documents.

Company response to consumer: Untimely response
Consumer complaint received 06/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Call several times a day for years. Told them more than once, the person you are calling has not lived here in 30 years, I ask that they please take my name out of their database. They literally have been calling for years.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have requested over and over again for Transunion to delete incorrect information from my credit file. I ( See the attached XXXX which DOES NOT HAVE MY NAME OR SOCIAL ON IT ), yet it is listed on my report. Transunion has continued to violate the FCRA and the rights that have afforded me by practicing deceptive reporting and Transunion is continuing to aid them by holding my credit hostage with inaccurate information. It is for these reasons that I am disputing the following and asking for complete deletion from my file. 
The following is maintained under my Social Security Number : *********** XXXX Account # XXXX You can see that the attached XXXX DOES NOT HAVE MY NAME OR SOCIAL ON IT BY ACCORDING TO XXXX OWN DOCUMENTATION AND REPORTING. Thanking you in advance for assisting me in having an accurate credit file, with your credit reporting agency.

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 09-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: USAA XXXX lowered my credit limit from XXXX to XXXX for inactivity! This has negatively impacted my credit rating and my ability to get a mortgage all because I keep this card for emergency 's and do n't charge stuff all the time. My wife also has a credit card with them but they have n't bothered her limit. This is inconsistent at best and discriminatory at most. Is it because of my race or gender that I 'm being treated different then her. My credit rating was excellent before they arbitrarily lowered my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Consumer Loan (Vehicle loan) with MAS Financial Services, Inc. (TX).
Issue: Managing the loan or lease

Complaint: 1. I was in request of my monthly statement for the stated amount due of {$910.00}, made it known that I was going to make a payment today to bring my account to date. I did have reservation in making any other payments until I saw a detailed accounting of my late fees and additional charges, as well as understood why the balance on my account I was told that I did not get a monthly statement and they were not required to give me one. 
2. I was also in request of my agreement that specifically stated that I was not entitled to an accounting for my vehicle payments, as well as where in the agreement that I signed, stated that I was required to pay a daily late fee of {$7.00} for each day that my account was late. I was informed that I was a high risk loan or simple interest loan and that the regular late fees, {$15.00} Credit Card transaction fees, {$9.00} XXXX XXXX fees, Monthly late fees as well as a XXXX % interest rate had only reduced my account principle by {$2000.00}. 
3. I was informed that I would not receive anything regarding statement of payment, account balance, ( nor were they responsible to do so ) copy of agreement or any other information that would help me reconcile my account until I had paid the balance due. 
4. Also, I made it very clear that no one was to harass me at work again with either phone calls or other means.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I had an arrangement and kept it to pay off the loan with JD BYRIDER. It is still showing on my credit report as a judgement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage last year. Ocwen, the servicer at the time, received and applied full payment on XXXX/XXXX/XXXX. As of today, XXXX/XXXX/XXXX, I have not received a satisfaction of mortgage from Ocwen, nor is the satsifaction recorded with the county in which I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Making/receiving payments, sending money

Complaint: I had signed up for paypal unaware I was going to have a hard credit check. I just signed up for XXXX and see that they pulled my credit information without my knowledge or asking for my ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX, I was hired at the XXXX XXXX XXXX and shortly after, I noticed student loan payments being taken out of my pay. This is my error, of which I am deeply embarrassed, but I did not know it was a garnishment of wages, rather than a monthly direct payment. The balance according to their records was {$23000.00}. I contacted the loan servicer, XXXX in XX/XX/XXXX, requesting a lower payment and this is when I discovered that the LAST 5 YEARS of payments were made under a garnishment. The conversation was if I made the payments for the next 3 months on time I could get a smaller payment ( from nearly {$400.00} to less than {$200.00} ). I was also told in that conversation that if I had a total of 120 payments on the books on time, I could probably get the rest forgiven. My loan was transferred to Navient, effective XX/XX/XXXX,  where I have faithfully made my payments. Between XX/XX/XXXX and now, I had read on the website about loan forgiveness that you had to start one year before your 10th year to  begin the process. In XX/XX/XXXX, I went online, downloaded the form to begin the forgiveness process and mailed the form in. I received a response that my loan was not in the database. I called the phone number given, and a rep named XXXX ( # XXXX ) confirmed that my loan was not in the database and transferred me over to the Public Service Forgiveness Department, where I spoke to a rep named XXXX ( # XXXX ). XXXX confirmed that my loan was not located there and she explained that my loan was not a Direct Loan and that if I requested it at that time, I could begin the process of another 120 payments for forgiveness. I told XXXX that I made payments monthly to Navient and those loans were labelled " consolidated '', and asked what it meant. XXXX replied that was another kind of consolidation and did not qualify as the loan forgiveness qualification process. I am XXXX years old. I have faithfully paid on these loans for 10 years and then some, beginning back in XX/XX/XXXX. It is mind-boggling that I would pay two 120-payment segments on original loans, totalling {$6500.00}. Mind you, I knew nothing about  the loan forgiveness part of student loans until XXXX told me about them. At no time did XXXX say that I had to do anything besides make the 120 monthly payments. Similarly, I do not recall reading anything about putting in a request to change my loan to a " Direct Loan '' in order to qualify, else I would have done it ; all of this time I believed I was in compliance with achieving forgiveness status. If you count the payments I made beginning in XX/XX/XXXX, I have paid on this {$6500.00}. Surely, you have recouped what was owed and more by now.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC ().
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: To whom it may concern, I just received a letter from the loan company and called their customer service on XX/XX/XXXX. I was told my student loan account has been converted to Heartland ECSI in XX/XX/XXXX, and my account has past due amount of {$1100.00}. 

The real story is I have been paying my student loan on time for 10 years. I have set up automatic payment and I was a bit curious why it stopped payment since this XXXX. My instinct was it has been fully paid and did n't go check my account balance ( in fact I have lost password long time ago ). I did n't know they convert to another company and I need to reset account payment method. 

To Heartland ECSI, I complained that I was not informed at all and had not idea they converted my account. And I have absolutely no intention to stop my student loan payment. The representative asked me to file dispute with credit bureau as they have reported my past due payment. 

I request they withdraw their filing against my credit score, because this is technical issue between my previous and current loan institutions. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Credit decision / Underwriting

Complaint: We have a mortgage on our XXXX house which is a manufactured home. It is an adjustable rate of 8 % and it never goes lower. I thought it should have gone way down when the rates declined. My daughter has tried to purchase it and nobody will finance it for her. It is on a permanent foundation. It seems like the loan never goes down and is all interest since we bought the house. We refinanced over 10 years ago and it has hardly gone down. If manufactured homes are such a risk and nobody wants to finance them then why are they allowed to sell them in Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: I have called Transunion, XXXX and XXXX on several occasions to request that they PERMANENTLY remove a FRAUD ALERT that was placed on my credit file by each of these three credit bureaus. I NEVER requested that this FRAUD ALERT be placed on my credit file. These three credit bureaus placed this FRAUD ALERT on my credit file without ANY authorization by me, without even contacting me about this FRAUD ALERT. There was a FRAUD ALERT placed on my credit file again recently on XX/XX/XXXX and again on XX/XX/XXXX. Every time I contact each of these three credit bureau I am assured that they will take this FRAUD ALERT off of my credit file but then a few weeks after that they place the FRAUD ALERT on my credit file again and WITHOUT ANY AUTHORIZATION OR CONTACT FROM ME. 

I have threatened to file a lawsuit against each of these credit bureaus but they do n't seem to care. 

They have caused me to have 6 different credit card accounts to be closed because of this FRAUD ALERT that they insist on placing on my credit file. And one of these credit card accounts I have had since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX has incorrectly reported that we missed a mortgage payment in XXXX 2017. This  is completely wrong. I have never missed a mortgage payment and this is injuring my credit score.  XXXX XXXX has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.

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