milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My alleged loan is currently serviced by Carrington Mortgage Services ( CMS ). My alleged loan is originated with XXXX, XXXX XXXX XXXX and riddled with fraud and contains forgeries, etc. I previously had XXXX XXXX XXXX who posted many of my mortgage payments to foreclosure fees instead of to my payment account. Money was embezzled from our escrow and payment account and we have complained with XXXX XXXX XXXX and now with Carrington about the inaccurate fraudulent debt to no avail. They continue trying to collect an amount that is not correct. They also continue to report it on my credit even after numerous disputes. Recently, I requested from Carrington proof of claim under U.C.C. Code Article 3 -3-501 ( b ) 2 ( 1 ) to visually inspect the alleged wet ink Note. Carrington response was that they decline because the Note is secured and not available for release until debt is consolidated. They also continue to state that they will no longer respond to my requests and that my loan is in foreclosure even though there is not yet a foreclosure date ( I live in Florida, a judicial state ). They assert that they are the holder/investor/owner/servicer and in other letters they have alleged that they are also the trustee. Nonetheless, there are numerous contradictions in all responses I have received. This foreclosure mill/debt collector ( Carrington ) is threatening with foreclosure and expect that they will continue this fraud without showing us proof that they are truly the holder in due course or that the " original '' wet ink Note actually exists. All they have sent us is a copy of the alleged Note and a Possession Certificate under Florida Statutes by XXXX XXXX XXXX, not from them. I can also confirm that the copy of the alleged original endorsed Note is indeed fraudulent but I will not give details now because I will save it for trial. This alleged loan was " criminally '' created and serviced from the inception. My family and I have been suffering monetary, physical and emotional damages for years. This specific complaint is about Carrington Mortgage Services who has been servicing this alleged loan since XXXX 2014 because they have failed to comply with our debt disputes, QWR 's and now with our request to visually inspect the Note which we have a legal right to do so. I have all documentation to substantiate my claims against CMS.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: A current report from Experian is reporting a XXXX XXXX XXXX paid collection that was deleted from my credit file back in XXXX XXXX2017 and now it has been added back on to my file with Experian. The CRA did not provide me notice of their reinsertion, then the reinsertion is a violation of section 611 ( a ) ( 5 ) ( B ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX, 2017 Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In XXXX XXXX I mailed in a dispute letter for XXXX XXXX # XXXX ( partial number listed on report ). TransUnion mailed me the results and the account was removed XXXX/XXXX/XXXX. Now, in XXXX the same creditor and same account is appearing on my credit report. TransUnion investigated and deleted so why did it reappear? And, with no notice!

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have an unauthorized inquiry on my I have an unauthorized inquiry on my credit report I did not give permission for XXXX XXXX XXXX to run my credit report and trans union refuses to do anything about it

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 NCC Business Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have repeatedly requested an investigation to be conducted as to the balance reporting on my credit file by NCC business services regarding a collection account by XXXX/XXXX. They are reporting an incorrect balance owed of {$1000.00}, and have repeatedly updated this balance even after I have advised them this debt is over 7 years, and also discharged under my Chapter XXXX Bankruptcy filing. Attached you will see a version of my latest credit report that indicates they processed an investigation in XX/XX/XXXX and NCC business services verified the reporting and balance as accurate. This is absolutely incorrect and very damaging to my credit history. I requested a second investigation in XX/XX/XXXX, and I am providing a copy of my discharge paper. I am just appauled that NCC has been reporting this falsely on my credit report causing serious hardship in my ability to secure housing for almost 7 years. I am not in a very tough situation and feel NCC is trying to use my housing hardship to co-erce me into paying a debt I have been discharged from, legally.

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 11/22/2017 about Checking or savings account (Checking account) with John C. Heath, Attorney at Law, PLLC (AK).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XXXX XXXX, a company that I have never been affiliated with has charged my checking/debit card {$99.00} for the periods of XXXX - XXXX. Totaling {$490.00} in fraudulent charges. I first contacted XXXX XXXX, who said I would have to deal with the business charging my account. I spoke with XXXX XXXX on four separate occasions, each time I was assured the matter was being taken care of, paperwork was being issued to my address, and the charges would stop. After months and hours on the phone with XXXX XXXX, I decided to reach out to my bank again ( XXXX XXXX ) to close my account to stop further charges. At this point the bank told me I had been misinformed and they would help me at this time. As of today, XXXX XXXX, 2017, the charges have been stopped and three of the five charges have been reimbursed. The additional two charges totaling {$190.00} were rejected for reimbursement due to the amount of time elapsed. However, I was within the 60 day limit from reporting the first charge both to my bank ( XXXX XXXX ) and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Transaction issue

Complaint: XXXX XXXX applied for XXXX loans to get a XXXX submariner and was rejected. He subsequently used a Capital One Credit Card to make the purchase. All security channels deemed it high-risk except XXXX. XXXX cleared it and so we shipped the watch. An adjustment was made in the order when I informed him that the specific model he ordered was no longer made by XXXX and under their warranty. After which, I refunded him the difference. The watch was shipped. He returned the watch, but the watch weighed less that it did when we shipped it. We subsequently, returned the watch to him. He submitted a chargeback claim stating that he never received the watch. However, that is not true. Accordingly, Capital One did a chargeback on the transaction and XXXX XXXX has his {$13000.00} and the {$13000.00} XXXX watch. Since we have been negatively impacted by credit rating and with XXXX, we request that we receive our money plus expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report summary for Experian shows the time since negative as 2 Years 2 Months ( see attached ). This is wrong. I have not been late on anything since 2014 following a period of prolonged XXXX. I attempted to contact them repeatedly by multiple means. This erroneous information is hurting my credit score and there's no place to dispute it since I don't see the negative item they're apparently referring to 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 01/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Closing/Cancelling account

Complaint: XXXX XXXX i applied for a capitol one credit card and was approved with a XXXX limit. i recieved and attempted to activate the card by phone was told there was fraudulent activity and i needed to apply for a new acct. I did and was approved at a much lower threshold of XXXX, which means my credit was affected. again i recieve the card attempt to activate it and was told there was fraud on the acct and it was cancelled, I ask what fraud? they cant tell me but advise me to go to a local branch In XXXX XXXX XXXX and XXXX XXXX. I went XXXX and met a gentleman by the name of XXXX XXXX ID # XXXX who copied my IDs and called the fraud dept and faxed them my ID copies to XXXX, a XXXX on the phone by the name of XXXX ID # XXXX advised after 2 hours on the phone there was nothing they could do and advised me to reapply a 3rd time for the same card, We both were agast and I asked why if I was fraudulent why would they want me to apply for a credit card again, her reply was that i was listed as deceased even though i was at the bank with ID and was verifiable .... I left there and contacted XXXX and they called capitalonebank Fraud dept while i was on the phone with them and they verified and corrected this person on the phone several times and stated that there info was incorrect and that i had long since established I was not decedent and that the SS XXXX would contact the bank and notify them of my death, which they had not. again no answer but to reappy ... fastforward to today XXXX/XXXX/XXXX i call the fraud dept to get a disposition and after speaking to the XXXX person who claimed to be managers they advised me that nothing else cpould be done. Yet they accts and inquirires all reflect on my credit report and i still have no answer can you please forward an in quiry thank you XXXX XXXX XXXXXXXXXXXX, cell phone XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Due to a medical issue, I was forced to quit my job. XXXX bank refused to give us forbearance on student loan. 

We filed our taxes early XXXX, ready for XXXX XXXX XXXX. On XXXX XXXX we received an XXXX form from XXXX, we called our bookkeeper and she explained that was not good, we went to her office to find out, our {$5600.00} refund was now us owing $ XXXX. 

So we sat down with IRS and they agreed to take XXXX refund and wait for XXXX refund to finish paying, which was done. 

With this we received a letter from XXXX telling us the " cancellation of debt ''. 

In XXXX we began getting letters from attorney 's XXXX ( XXXX ) Attorney at Law. We communicated with them and explained about the XXXX and they have been mistaken. 

After several trips to XXXX, AZ to court house, we eventually received a notice of arbitration. Late XXXX we sat down with plaintiff 's attorney and arbitrator. During this meeting XXXX claimed the the loan numbers did not match up with XXXX. 

The arbitrator said she had no choice but to find in the favor of the plaintiff and they XXXX agreed that there was definitely something wrong. 

The attorney for XXXX argument was that his client National Collegiate XXXX XXXX Trust ( XXXX ) owned the loan that was sold to them by XXXX back in XXXX. 

While there, the attorney XXXX gave us the number of another attorney XXXX XXXX. XXXX claimed he was a good attorney and maybe able to help us. The arbitrator said she would wait 30 days before entering a decision. 

We went and saw XXXX XXXX and he said he would make some phone calls, during which he had mentioned the CFPB. 

On XXXX XXXX, XXXX the arbitrator found in our favor, we do not know what XXXX XXXX had done, but we were glad for the judgement. Including the judgment the letter stated that we needed to submit any fees we occurred, we called XXXX XXXX and he handled the communication with the court, and his fees were awarded for ( XXXX ) to pay. 

Currently XXXX is appealing the ruling and we have another court appearance this Friday XXXX. 

On their appeal they are accusing the defendants ( us ) for " Defendants have engaged in unfair surprise and misconduct '' and " litigation by ambush. '' We have done nothing wrong, we did not go to law school, we followed instructions. 

This is our biggest issue. How can XXXX sell a loan to XXXX in XXXX and turn around and file a XXXX on us in XXXX? 

According to XXXX XXXX dd not own the loan to do this. 
We were thrown into another tax bracket since it had to be counted as earned income, causing me to lose other government medical benefits for my insulin.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit card () with Atlanticus Services Corporation (OH).
Issue: Other

Complaint: I was going over my credit report and noticed I still have an account on there that was paid in full and closed back in XXXX of 2005

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Other

Complaint: I HAVE A HARD INQUIRE ON MY CREDIT REPORT THAT I DIDNT MAKE AND THEY SHOULD HAVE BEEN REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Your company is reporting this account as opened in XX/XX/XXXX. This account was closed back in XX/XX/XXXX. You keep selling to other companies and restarting the open date to stay on my credit report. Please send verification showing that your dates are correct. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I thought I had set up auto-payments on my XXXX XXXX  store card but apparently did not and have discovered this is not even an option they offer. I think this is blatantly anti-consumer and should be required of credit companies. 

Here are the details : Payment was due XXXXXX/XX/XXXX 

When I checked my account 2 days later ( XXXX ) and realized I was not set up for auto-pay, I paid the {$350.00} balance in full. 

Because of this erroneous assumption about auto-pay, I was charged a late fee of {$27.00} ( XX/XX/XXXX ) a " finance charge '' of {$7.00} (XX/XX/XXXX ) When I firmly complained to XXXX XXXX they agreed to give me one-time relief and credit back the {$34.00}, for which I thanked them heartily. 

Still, is n't there a law that requires credit-issuers to provide the auto-payment option to customers? 

Consumers should ALWAYS have the option of setting up auto-pay as a way of ensuring they make timely payments. We are busy, busy people trying to do the right thing and pay on time. 

Please help the consumers! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction issues

Complaint: I ordered a service from XXXX XXXX, it had created issues with my bank account. I cancelled on the XXXX/XXXX/2015. When checking on my bank account Pay Pal is still attempting to take money from my account which continues to go into the negative {$90.00}. Bank offered me a {$35.00} which is now up to {$90.00}. I spoke with a supervisor at Pay Pal and I was very disappointed with the lack of concern for my account. Continuing to take out money on a cancelled item.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA).
Issue: Fraud or scam

Complaint: I was working for a man who sent me a check. I deposited the check, and he asked me to make XXXX payments to an " art supplier '' by the name of XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX # XXXX XXXX, OK XXXX. I sent her {$1500.00} and {$1200.00} through MoneyGram on Saturday, XXXX XXXX, 2015 from XXXX separate locations. The following Wednesday, XXXX XXXX, 2015, I looked at my bank account and the check that my alleged employer sent me had been returned, thus putting my bank account in the negative balance. Once that had happened, I received another check for the same amount, so I took it to the bank to see if they could call and check the validity of the check, and they called the other bank and without even providing the checks information, the other bank told my bank ( XXXX XXXX XXXX ) that it was most likely a fraudulent check. After seeing that, I went to the police department and gave the Officer all of my documents, emails, and texts. They told me this has been happening more than you would think, and that the bank should work with me so I do not have to pay for the fraud. The bank submitted a dispute of the charges to MoneyGram to try and get some, if not all of the charges back. They also told me to contact MoneyGram and see if they have the information from the person that picked up the money as well. I will also upload the receipts from both MoneyGram money transfers as well as the Police 's Case #.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I had a personal account and business account with wells fargo. I own a small salon and was doing my credit card processing with a booking company called vagaro. My wells fargo branch manager came to my salon with his laptop and for weeks tried to get me to switch my credit card processing to wells fargo. After 8 weeks of weekly visits with other members of the bank branch I finally agreed to switch if they would stop coming to my business. They had me sign a document at my business while I was with clients, after I signed I got a machine in the mail and began processing with what I thought was wells fargo. After the first month I was charge over XXXX dollars and fees and my account had multiple fee and withdrawls without any reason why even on days that my business was not open or processing credit cards. I had multiple accounts that were open and I had not opened them. I went to the bank branch 5 different times and they told me they could not stop the withdrawals from my account and that the branch manager had been promoted so I could not speak with him. They told me that I had to call a 3rd party who the processing company was with. I called and tried to send the processing machine back even though I had paid payments for it, I did n't want money back I just wanted to end my contract. They informed me that I could not send it back and that I would now be charge 3 times the amount I was told the machine cost by the branch manager and that I had to pay XXXX dollars to end my contract. My credit score went from XXXX to XXXX because of the credit hits that came from wells fargo and the credit card company. My small business is on the verge of bankruptcy and I am personally struggling because of this. I feel it is unfair for wells fargo to come and solicit my small business for processing and then charge me thousands of dollars in fees and withdrawals without answering as to why or how I can fix this issue.

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 01/27/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (NY).
Issue: Making/receiving payments, sending money

Complaint: I took out a {$100000.00} boat loan from US Bank XX/XX/XXXX. I have been making weekly payments on this loan of {$1000.00}. I believe the bank is miscalculating the interest that I owe and their deduction of interest. The interest rate on the loan is 4.12 %. 
XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest In XX/XX/XXXX I paid XXXX in interest I have never missed a WEEKLY payment of {$1000.00}, although it takes US Bank up to 2 1/2 weeks to post my payment ( then they back date it ). 

As you can see, my interest payments went up XX/XX/XXXX, XX/XX/XXXX, then down in XX/XX/XXXX, but XX/XX/XXXX 's interest payment was still more than XX/XX/XXXX and XX/XX/XXXX As my principal goes down, so should the amount of interest I am paying. Further, on my checks it clearly says PRINCIPAL payment but they are still taking out interest ( which I would n't care, but they are doing something wrong because my interest payments should n't be going UP ... ) I called US Bank and got the run around. No one could explain to me why my interest payments are going up in certain months and why my most recent interest charge is more than what I paid XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief