milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (TX).
Issue: Trouble during payment process

Complaint: We were in a bankruptcy and had difficulty making our payments. Once we got back on track and started making payments, our payment dates stopped advancing correctly. 
In XXXX XXXX 2016 we were notified by our attorney that we were past due and needed to modify our loan to catch us up. At that time, our payment went up by {$860.00} to catch us up ; we paid that thru the 12 months per the terms. At the end of the 12 month term, Seterus notified us that our payments were 6 months past due. We have made every payment thus far and have not missed a payment ( late but always caught up ) ; we are now facing pre-foreclosure again because they say we are still 6 moths past due. We have explained to Seterus multiple times that according to their activity statement they sent us that the payments were not applied correctly per their attorney 's documents. They refuse to investigate and audit our loan. Our bank statements show exactly how much was paid, when, and the dates. We need help as we are being taken advantage of and can not seem to have anyone to help. I 've asked for a supervisor and upper management and they say they ca n't transfer me to anyone who can help - they say to email and fax in our request which we 've done 3 times already. We 're also being charge fees that were incurred during bankruptcy which we were told are not payable at that time, and now the fees have been assessed. Everything on thier statement from Seterus is inconsistent - I believe their own employees do n't know how to read the statement therefore does not want to help us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: COLLECTIONS ON MY CREDIT REPORT ARE INCORRECT AND CAUSING ME FINANCIAL HARDNESS. 

XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX  XXXX/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 06/17/2016 about Credit card () with DISCOVER BANK (IN).
Issue: Late fee

Complaint: I was recently considered late on a payment ( payment was made just after XXXX on the due date ). The payment was made on the due date and the cut off is arbitrary for an online payment. I make all my payments online and Discover is the only company that imposes this. The second complaint is the amount of the late charge being excessive. The balance is {$1000.00} and my average monthly payment has been {$36.00}. The late charge alone was {$35.00} and doubled my most recent payment. Last, the 18 % interest rate is outrageous. I have good credit and my credit score is over XXXX. I can get a lower rate if I apply for a new card. I do n't want another card with Discover. I stopped using it when they changed a due without notification causing a late payment. They also sent the account to a collection agency even though it was not delinquent and never had been. It took months to be resolved. So NO WAY do I want to do business with Discover. 

What I want is the late charge reduced and the interest rate lowered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX XXXX Care Credit Account I requested that my XXXX give me a proper treatment plan, and a written diagnosis, after he changed course from fixing a few XXXX XXXX for a few thousands dollars, to a total XXXX XXXX totaling $ 35,000.00+. 

My XXXX refused my request for a new treatment plan and diagnosis, then wrongfully abandoned me by stating that he 'was in way over his head '? 

And then, in the same email, my XXXX  gave me an unqualified psychological diagnosis of XXXX XXXX XXXX so he could justify his abandonment, and keep the fees I already paid via XXXX XXXX ( Care Credit ). 

Point of fact, the XXXX  charged my credit card to it's maximum of {$20000.00} in a rapid manner ; then I had to fight for a partial refund of the XXXX  HE NEVER INSTALLED ( refund of {$6500.00} ; only given after I filed dispute with XXXX XXXX ). 

In addition, I ended up speaking with the NV Dental Board and they recommend I go to a XXXX  at XXXX XXXX XXXX  ; which I did. And my new XXXX has informed me that all work done by the previous XXXX would have to be redone because it was faulty. 

XXXX XXXX ( Care Credit ) has refused to refund the remaining charges ( {$1800.00} on XX/XX/XXXX ; and {$10000.00} on XX/XX/XXXX ). And I have communicated with them and the original provider for several weeks ; and to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get a copy of my credit report on-line at annualcreditreport.com but it would not let me. I mailed in a paper request to Experian with the required documentation. They never responded and I never got a copy of my report. It is important to me to get a copy of my credit report because I am a victim of identity theft. I also wrote to XXXX in XX/XX/2016 to ask them to put a fraud alert on my account. I never received a response from Experian about the fraud alert.

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 03-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was encouraged to defer my payment for three months by Navient. I told every financial counselor I spoke with from Navient that I was unemployed and looking for a job and that I could not afford payments. They told me I could take a deferment for three months once my account was up to date. I asked my Mom to help me make that payment and after the payment was received they told me I was unable to take a deferment. I received countless calls every day ( 3 or more times daily, at all hours of the day ) from navient financial counselors. Several months later I found out I was in a deferment for three months, and I asked why I was still receiving harrassing calls from navient workers. All the counselor I was speaking with did was apologize. I still am not employed full time, I work part time and it is difficult for me to make my payments every month ( although I do, about 50 % + of my income is paid to student loans ). I told navient counselors this and asked for information on other payment plans. I began asking this in XXXX and was told an email would be sent out to my mother ( these loans are in her name ) and that they would sent mail about repayment plans to our house. Nothing was sent and I have been asking them every month since XXXX about this. I am disgusted with dealing with Navient/ XXXX XXXX and I hope these circumstances change for the people who are indebted by them. If my payments were lower I could afford to do a lot more, but with the circumstance I am in now, I would have to make at least double what I make now to ever be able to move out and live on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (OH).
Issue: Unexpected or other fees

Complaint: I purchased  XXXX   US Ban k issued mastercard {$200.00} prepaid cards at  XXXX    XXXX   XXXX   on   X/XX/17    . When I went to use the cards,  XXXX  of the  XXXX  cards had the funds drained off them by a person in California ( I live in Ohi o ). It is  clear to see the numbers for  XXXX  of the  XXXX  cards only vary by a digit o r two  at end of the card number. It is clear that someone ran a sequence and drained all   XXXX   cards. I have contacte d US Bank Mastercard line several times and faxed them the required documentation 3 times now and they are not helping or claiming they didnt get all the pages of the faxes I am sending. They never call back. Their lacked security ( issuing cards to one a rea in such close numerical sequence is the cause of my funds being stolen and they are not helping make it right.

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 07-03-2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Pinnacle LLC has a XXXX XXXX bill on my credit report. I have never had a XXXX account. # XXXX. {$530.00}. Sent them certified return receipt letter, asking them to verify it belonged to me with no response. Then sent 10 day letter asking the same with no response again.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently reviewed my credit report and seen an alleged account from this company reporting and causing a negative effect to my credit report. I send the company a certified letter with return receipt requesting validation. I do n't recall signing any contract with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been trying since XXXX of 2015 to have this Bank of America debt taken off my credit report. I first contacted portfolio XXXX in XXXX via a credit company asking to have this debt removed because it was not mine. It is being reported on my credit report from this company twice for the same dept in the same amount. In XXXX I made XXXX attempts with a direct call to the company. I was told the first time a Identity theft packet would be mailed to me. I received that packet, filled it out and returned it. A few weeks later after not hearing from them I called them. They said they did not get it. I was told to download one and fax it to them at XXXX. I did that twice. I call them back a week later, they side that did not receive it. I faxed it again, called the next day and they still had not received it. I called them back again the following day hoping they received it but they still did not. I was told they would put it through their system again and send me out another packed to fill out an send in again. All my personal information is floating out there somewhere per there request. I am positive I will incur something negative on my report for their lack of business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Federal student loan servicing) with Ceannate (AL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: XXXX XXXX XXXX has sent me a letter from the University XXXX XXXX about 3 courses that I completed which they said never got paid for and I owe a balance of {$4600.00}. These 3 courses were paid for with my financial aid that I received around XX/XX/2017. I 'm in the process of transferring to a new school, and I was told by student adviser that if I had a past due balance that they would not send my official transcript. But they did send my transcript to my new college that i 'm applying to.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX XXXX XXXX Bank reported to chexsystems that my checking account was closed because of fraudulent activity. I closed the account on my own and there was no fraudulent activity on my account.

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 08-01-2017 about Money transfer, virtual currency, or money service (Virtual currency) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Confusing or missing disclosures

Complaint: Trying to use XXXX XXXX to borrow money but the bank is n't allowing it

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunuon did not do their job properly. When they investigated XXXX and nothing changes I asked them for the numbers addresses and names they spoke to. And by law they are suppose to give that to me and they did n't. I explain to this company the situation of what happened and also sent a copy of lease and docs to prove my case but they still disregard it plus the reps were very disrespectful and barely helped. Along side the company moved the dates on when it was reported and that 's illegal. Transunuon needs to stop scaming through and do something 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 08-03-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a couple items which are unknown and no verification exist and they appear to be outdated also. I disputed and requested validation and nothing was provided. Please help resolve this matter. 
XXXX XXXX # XXXX XXXX account and unknownCredit XXXX # XXXX Unknown and outdated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I have had an XXXX XXXX Platinum card since 1981. Only yesterday I discovered that they discriminate against some of their platinum card holders by not offering them promotions that they offer other platinum card holders. Specifically, I did not receive an offer to purchase airline tickets with XXXX XXXX points at a XXXX % rate than normal that was offered to other platinum card holders. This is discriminatory

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. I have NOT spoken to this company on the phone and any claims saying I have is not accurate. All communication regarding this inquiry has been through the CFPB.

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 01/22/2016 about Credit reporting () with Credit Karma, Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my credit score on XXXX in the information was wrong I never made any of them claims

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: On several occasions, since XXXX XXXX XXXX I have contacted Equifax regarding a debt listed on my credit report in error. XXXX XXXX is reporting derogatory information on my credit file and Equifax is allowing them to, illegally. I do not, nor have a ever had an account with this company and I do not owe the creditor that they claim is the originator. I have asked Equifax multiple times, in writing, to have the company show verifiable proof by way of a dated, signed contract and the company has NOT been able to produce such items because this debt is FALSE information. XXXX refuses to remove the information and have NOT properly investigated the situation because they would KNOW that this debt is NOT VALID.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm filing this complaint because Equifax has ignored my 2nd WRITTEN DISPUTE REQUEST to provide me with physical proof of the original creditor documents or credit application that bears my signature as proof of a promise to pay agreement that their company has on file that was used to verify the inaccurate account I disputed. Being that they have gone past the 30 - 45 days ' mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please help me resolve this important matter as soon as possible. Thank You Kindly

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This afternoon XXXX XXXX 2016 I called Experian after learning from credit monitoring that my credit score had changed. My XXXX score is very low. The credit monitoring service found several inaccuracies such as my XXXX XXXX auto loan was not reporting and has several dispute codes. I called Experian and spoke with XXXX XXXX and she advised me of the dispute codes that will cause " THE CREDIT SCORE TO NOT FACTOR IN WHEN A DISPUTE IS ACTIVE OR CODED AS CONSUMER DISAGREES ''. I said to her, I did not initiate those disputes and did not recall ever asking XXXX XXXX to dispute them. I asked her to remove them. She told me she could not do so, and said that I would need to speak with XXXX XXXX. She transferred me to his voice mail and got disconnected. I called Experian again and spoke with another individual and asked me for my report number. Rudely, he said he could not transfer me over to special services unless he received my report number. He then transferred the call to special services ( XXXX XXXX ) and the call got disconnected again. Afterward, I called XXXX XXXX senior council at Experian to advise him of the disconnected phone calls. 
The CFPB and its agents must realize that Experian special services is not providing adequate assistance when addressing credit inaccuracies when I find them, instead they make other mistakes causing fluctuations in my credit score and XXXX scores. I believe this is illegal and perhaps as a business practice should be investigated by the CFPB. It is unlawful to compile and disseminate information to manipulate credit scores. There is also reason to believe that Experian does this to many other credit reports and consumers as a practice of lowering credit scores.

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 02/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a tax lien which reporting twice on transunion and both bankruptcy which are incorrect on their dates and amounts. transunion failed to properly investigate these XXXX items and thus i need them deleted per the FCRA. I am really upset that they are not doing what they say they claim to do. 

both tax liens are showing up as paid and i spoke with the IRS and they said they are doing a withdrawal as they were duplicates and incorrect as i was paying my taxes. 
I went to the court house and spoke to the county recorder/clerk and they confirmed they never speak, email, call or fax any credit bureaus yet both bankruptcy are reporting incorrectly. 

this is not the first time i have tried to have these items removed. Please assist me 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 non-monetary relief
Consumer complaint received 03/29/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have XXXX reports with my name incorrect and a home address that includes an " Apartment Number '' although it is a single family home. 
XXXX shows me owning a home and having a mortgage, and other information incorrect in my IDENTIFICATION VERIFICATION.

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 10/28/2015 about Debt collection (I do not know) with Northstar Location Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX of Northstar Location Services ( XXXX ) is continually calling our phone number looking for my sister in law stating they are collecting a debt. We do not know how they got our number & my sister in law knows nothing about this. I e asked them to stop calling, to remove our number to no avail. I looked the company up & I see XXXX complaints. Please do what you need to do to shut this down asap!

Company response to consumer: Closed