milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (DC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: reply : i received an e-mail from XXXX an advertise on sale we have an men 18 '' ct gold ring for sale for a {$30.00} dwn pmt so i gave it a thought so i said o.k. also with 8 diamonds it looked so real so i took the ring to have it tested by a jewler and it was a fake piece of metal with gold coating on it so my next stept was to advise customer services about my service? it was a charge from my credit card whitch i never received in return so at this point i'am fileing a dispute fraud charge thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: My balloon mortgage became due XXXX 2016, tripling my payment. My payment went from {$270.00} per month to {$910.00} per month. I contacted CitiMortgage 5-months ago to work out a loan mortification. They strung me along for 5-months until I became three months behind in my payment and then the declined my modification for no reason.

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
Consumer complaint received 04/25/2016 about Debt collection (Credit card) with Johnson Mark LLC (ID).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX XXXX I received a judgement against me in the mail from Johnson mark llc. I called to see what the judgement was for and to ask why and how they could get a judgement without notifying me. They said that they had served me XX/XX/XXXX but I had not been served or notified of this debt. I did some digging and found out that the debt was from a credit card that i had had a few years earlier. I thought the card was paid but I could n't be sure so I went down on XX/XX/XXXX to Johnson mark llc office in XXXX Idaho and paid the debt in full. I asked multiple times that the debt was paid and that the garnishment was taken off the secretary said she would do it right then and I waited as she entered the information on the computer. She said it was done and then I asked to speak to the attorney XXXX XXXX and asked him the same questions which he replied that it was paid in full and the garnishment was taken off. On XX/XX/XXXX my paycheck was garnished for around XXXX dollars. I went down to talk to Johnson Mark llc and was given the run around about how they did n't have a receipt for my payment that it was n't in their computer and that if money was owed back to me it could take days or weeks to refund. I have all the receipts showing that it was paid in full on XX/XX/XXXX which I showed him. He was not surprised seeing that he was XXXX of the XXXX people that helped me when I went in and paid it. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX alerted me to a change in my credit report. When looking into this, I noticed I had several hard inquires that were removed from my credit report get added 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 explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: 1.Equifax has made it impossible for me to retrieve my credit report from them " online '' via their offered monitoring services. They have told me verbally that I will " never '' be able to utilize their online service and I will have to contact them by phone directly to their " Consumer Affairs '' dept. for any access to my file or even to make disputes.The last time I spoke to them they would not verify any account information on my file and said that they needed to mail me docs to validate myself which I've yet to receive. 
2.Equifax has continued to dismiss and under-report accounts that are being reported to them by Creditors such as ( XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX ) all of these accounts I am an " Authorized User '' via " XXXX XXXX '' ( Primary Card Holder ) who can be contacted at ( XXXX ) XXXX or XXXX XXXX XXXX XXXX, TX. XXXX. I have been on these accounts for nearly a year and Equifax has never reported any of them. 
3.Equifax has deliberately ignored my request to them to remove the " Extended Fraud Alert '' dating back to " 2013 '' which I did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax, refuse to delete these unauthorized and fraudulent inquiries from my credit report even after sending them documents from the companies stated that they have no records of this inquiries. 

I spoke with Selly from Equifax fraud department on XX/XX/2016 to get this issue resolved, she stated that no matter how many letters I send, they will not remove these inquiries and she put the burden back on me telling me to contact the company who placed the inquiries on my credit report which I have already contacted and still they were not able to verify these hard inquiries and sent response letters to me that I uploaded and also sent to Equifax copies and they still will not delete the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MN).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: In 2016 My Husband was put in the Hospital and was not given 6 months to a year During that time I missed a lot of work being the Hospital is an 8 hour Drive, and I eventually lost my Job and my husband, I was Called a XXXX and even thou I Tried to make payments when I could they were never enough I was told to borrow money, loose my home sale my car. Do what ever I could to pay them. they came first.

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 07-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am XXXX years old, the site tried to identify me and suggested that i had a mortgage since XX/XX/XXXX and car loan in XX/XX/XXXX under my name!!! I 'm XXXX never had any credit. I ca n't even pull my report to dispute things because I ca n't identify the lenders of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen is reporting to the XXXX major credit bureaus incorrect and very damaging mis-information. 
We have given them the opportunity to correct their error but we were only met with a standard form letter stating they are correct. We even sent proof from our online account pay history ( which will be included ). 

Specifically, they are reporting to the XXXX big Credit Reporting Agencies that our Mortgage was 180 days late for 7 months, which is absolutely false. From XXXX XXXX until XXXX XXXX they would not accept any regular payments from us. Our mortgage is a VA backed mortgage and during this entire timeframe we were in a " modification '' stage with Ocwen. In this timeframe they sent us several incorrect items of paperwork with little to no instructions. We had these paperwork items signed and notarized each time ( 3 times with about XXXX separating their reponse each time ). It is very clear to us, or anyone that can see the communications between us, that they were intentionally stalling the modification process in order to rack up fees and charges for themselves as well as to apparently ruin our personal credit. 

Ocwen is NOT out to help anyone but themselves! The actions by this company are seriously criminal and should be followed up on in a serious manner!

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was really surprised when I received a copy of my credit score showing XXXX points lower due to the closure of Macy 's credit card by the merchant. This is a very abusive practice from Macy 's due that Macy 's is penalizing a customer for not using their credit card and in addition without previous warning and without giving the opportunity to the customer to remedy the situation even when knowing how closing an account by the merchant will affect the credit score of the customer. This is abusive and against the fair and safety practices towards a customer. Called Macy 's customer service and talked to XXXX who informed me that she could not do anything that it is Macy 's practice to close an account after it has not been used for a period of time and if I wanted I was more than welcome to apply for a new Macy 's card. I can understand that Macy 's can have their policies for the use of Macy 's card, however, I have been a cardholder since 2014 and never been late with my payments, in fact, I never carry any balances due that I paid off the balance as soon as I received the statement. Macys did not even have the courtesy and the business integrity to let me know that they were closing my account. No previous notice, no letter informing about the decision, nothing, they just closed the account without including any information or reason to the credit bureaus on why they were closing the account, it only shows account closed by the merchant, which resulted in lowering my credit score for XXXX points. This is not fair, this can not be legal, and moreover, when based on the new law my credit scores were supposed to increase and now they are lower than ever. I need your agency to investigate this matter due that Macys is on purpose and knowingly hurting the most important tool a person could have to keep and maintain good credit scores in order to receive good rates in any service that the credit report is required, including employment.

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 08/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I 've lived in my home since XX/XX/XXXX. That 's 20 years. I raised my son here as a single mom, post-divorce, without assistance from his father. After remarrying, and refinancing, my husband and I have both suffered job loss in our XXXX. It has not been easy competing with a younger workforce. I went back to school to obtain a degree, but we 're still in a mess. We have been on the verge of foreclosure twice, now, and Ocwen is again making us another " offer, '' after having met the terms of paying a monthly amount, on time, for several months. They are ready to offer us a modification agreement. This modification involves paying them over $ 50K to keep living here, basically, when we only owe $ XXXX. The house has not seen much maintenance or improvement since we 've had so many hardships. Its only value is that it 's in a good school district ... and I do n't want to leave my home. There is no way I will have over $ 50K to give them as a balloon payment in XX/XX/XXXX, when I 'm XXXX years old. I can make the payments, now, and I can even agree to pay their attorneys for working with me, but when the original sale price in XX/XX/XXXX was $ XXXX, and they want that much on top of what I owe, I feel a grave injustice has been perpetrated. And I 'm not the only one being served this foul plate. People are turning up in droves all over social media to protest Ocwen 's predatory practices. When is someone who can do something about this going to get involved? In 15 years, do you realize how many grandmas and grandpas are going to be homeless? Maybe Ocwen wants a write-up with our group photo in the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I looked at cars twice from 2 different dealerships. Each time the dealership took it upon themselves to run my credit after I told them THEY ARE NOT TO RUN MY CREDIT, YOU DO NOT HAVE MY PERMISSION TO RUN MY CREDIT, I DO NOT NEED OR WANT YOUR FINANCING. I had already secured financing though my home town bank. They took what information they had and proceeded to " shop around '' using my social security number, name and address from my pre-approvals. THAT IS CALLED THEFT. Plain and simple. When someone says " NO '' no mean NO! So, I obtained my credit report from all 3 bureaus. I found more mistakes and other companies that did not have my permission to run my credit. I disputed all 29 inquires. The credit bureau did not even try to find out if these inquires were fraudulent. I 've went though every avenue to get these removed and off my credit. I got the run around every time. It 's even went as for as the fraud department at Experian telling me, " these are a dealerships and credit card companies! As for dealerships, as soon as you went through the doors, that gave them permission to do what they wanted! '' WHAT?!?! EXCUSE ME!?!?! How can the fraud department employees be so misinformed??? I want the inquiries removed from credit report!?!? My personal information was stolen and used without my permission for financial gain. I want my credit report to reflect the actions of myself and myself only.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a chapter XXXX bankruptcy and Transunion in the public records section of my credit report has an amount listed.No amount can show in a discharged account by federal law no amount is showing on my XXXX account under the same category.I tried to dispute on Transunions site but for some reason it kept timing out.This is for XXXX 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 07-10-2015 about Debt collection (Auto) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I properly disputed an invalid obsolete account three times and the account is over 7 years old and BMO Harris Bank refused to properly investigate or cease attempting to collect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Mortgage) with PENNYMAC LOAN SERVICES, LLC. (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX XXXX of XXXX XXXX debt collection stated in letter dated XXXX XXXX, 2016 that if within 30 days, I dispute the debt, submit debt validation, or request info on the debt, that by law he is obligated to cease collections. XXXX XXXX signed certified return receipt XXXX XXXX, 2016 and failed to respond to debt validation, QWR, Dispute of charges. Rather than answer by law per his own letter citing the law, XXXX XXXX has gone to Commonwealth of Massachusetts Division of Banks with unclean hands, decieving the court indicating he has complied with the law conducting all procedure prior to advancing foreclosure, has illegaly obtained signature from the Land Court XXXX, on the Soldiers Relief Act, which allowed him to serve " Order of Notice '' to advance his illegal foreclosure. It is imperative that his behavior be investigated and stopped. He obviously KNOWS the law, because he had it in his letter to me, which is how I based my comminications with a 30 day window. I wrote to him immediately and he signed for my QWR Dispute Debt Validation within 48 hours! This ilegal aggressive attempt to take my property without regard for my rights is directly violating federal debt collection practices. He must be stopped. Please assist me on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have told this company on multiple occasions that they have my info mixed up with someone else 's file : 1. My name is XXXX XXXX - it 's never been anything else. Please update and remove the alias. 

2. My address has been XXXX XXXX XXXX XXXX XXXX, FL XXXX for the past XXXX yrs - Remove all other addresses because I 've never lived there. 
3. It 's showing several inquiries listed -- Please remove anything for the past 3 yrs as I have not applied for anything, I 'm a college student. 
4. The employment information is incorrect - Remove and I do n't wish to update.

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
Consumer complaint received 08-09-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: this is an ongoing complaint with Wells Fargo complaint # : XXXX. In there last response. I have provided them with Rental agreement and rent checks that were requested for the HAMP modifications in XX/XX/XXXX also as XXXX XXXX request proof of residency which I provided. Wells fargo has failed to respond to this undeniable proof. So can this be considered and admittance the deceived the Federal Government threw the HAMP program and XXXX XXXX in XXXX to obtain federal funded monies.Also after XXXX XXXX approved XXXX XXXX for the loan modification XX/XX/XXXX and asked for proof of residency which was provided he was then denied again Deception to a mortgage holder to cause this foreclose because of his age. In my opinion. Also Wells Fargo keeps ignoring the fact that after the loan modification approval XXXX XXXX XXXX XXXX would of been his primary resident which is all that should of been taken into considerations. Not the past.Also Wells Fargo refuses to provide ALL documents from both sides as requested. Why? Is this matter considered closed lawsuits can be filed.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX, XXXX XXXX XXXX reported my account delinquent to the credit reporting agencies. I settled my account with XXXX that year and paid my account per the settlement. According to FCRA, XXXX and XXXX should have removed the settlement from my report as of XX/XX/XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with XXXX and I am continually told that they are reporting correctly. When I called XXXX on XX/XX/XXXX a XXXX rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but XXXX is not removing it. Every time XXXX contacts XXXX, XXXX tells XXXX that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from XXXX and XXXX. This is also happening with XXXX 'XXXX XXXX ( credit card now through Synchrony Bank was through XXXX XXXX ). XXXXXXXX XXXX XXXX was also settled and first reported delinquent XX/XX/XXXX. I have tried on numerous occasions to resolve this with XXXX XXXXs XXXX and XXXX with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my XXXX credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.

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