milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 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: When I called the bank, someone said they were XXXX XXXX and this was a auto loan inquiry. I said I had bought a car in over four years and was not looking for a car. I got rerouted to a number that was not available. XXXX/XXXX/2016 XXXX has requested a copy of your Credit Report Hide Details Business : Phone : Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX/XXXX/2016Reported By : Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On   XXXX   I called Equifax to inform them that a couple of the collection accounts I have, I received proof that they would delete them, however the representative said they could not do unless we had confirmation of that, so I told her that I have proof directly from Them but she still refused. What a terrible way of handling thing on Equifax 's part. Terrible customer service!     The accounts was    XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Home equity loan or line of credit) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: The XXXX XXXX XXXX department of Santander Bank requested the renewal policy for a flood insurance of my condominium. I submitted my proof of insurance after few days that I received the request on XXXX XXXX, XXXX. I received a second notice and I immediately sent the same information again by fax and mail. In XXXX XXXX, XXXX, I received a note that the company forced me to acquire a flood policy and charged me {$2500.00}. I called many times and left many voice mails to the number provided by the XXXX XXXX XXXX department ( XXXX ). I sent by email the proof of insurance as well as the declaration page on XXXX XXXX and XXXX, XXXX to the customer service dept. and to the local branch who indicated that they will forward this information to the XXXX XXXX XXXX department. I opened a formal internal complaint about this case through the customer service area, however it was completely ignored. In XXXX XXXX, I faxed again all the documentation to the same Consumer Loan Servicing department ( XXXX ) as well as to the customer service office of Santander bank and I mailed the same documentation. In XXXX XXXX, XXXX, I visited the branch and talked with the branch manager about this problem.One of the managers mentioned that all the documentation was sent the first time that I submitted the information in XXXX XXXX. 

My main problem is the complete lack of response and consideration of the XXXX XXXX XXXX department. They never responded to any of my communications by phone, fax, mail or email, and they charged me an unjustified and unnecessary premium. I have also wasted a significant amount of time complying with a routine requirement which is easily satisfied with a simple form.

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 08-10-2015 about Student loan (Non-federal student loan) with NELNET, INC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I currently attend the University XXXX at XXXX. Last academic year ( XXXX ) I was enrolled as a full-time student and as such was given an in-school deferment. I am planning to return to school as a full-time student for the next academic year ( XXXX ). However, this summer I was notified recently that my FirstMark student loans were 60-days late and that they had reported this to the credit bureaus. In my surprise, I called and spoke with a XXXX XXXX. I thought that like my federal loans, if I was to be returning as a full-time student the summer months would be included in my in-school deferment. XXXX XXXX rudely informed me that FirstMark requires payment during the summer months. Had I known this, I would have been happy to pay my monthly bills, but because I was never informed of their specific rules I am being penalized on my credit reports. What is very surprising, is that I was in contact with them all summer and no one ever mentioned this to me. When I asked XXXX to remove the blemishes from my credit reports, she refused. I do not think that this is fair and I would like to make sure my credit report accurately reflects my intentions. I do not have any other blemishes on my credit report and I would like to keep it that way. I would like to submit this complaint to not only require FirstMark to inform their borrowers of such rules, but also I would like to have these blemishes removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (KS).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On or about XX/XX/XXXX, I called XXXX about my XXXX XXXX XXXX XXXX black phone ( SN XXXX ) breaking, using the accidental damage coverage I had on the phone. They accepted the claim and sent me a new XXXX XXXX XXXX XXXX black phone ( SN XXXX ) The new phone ( SN XXXX ), I received on or around XX/XX/XXXX did not work. The radio would not pick up the cell network. I did another RMA with the XXXX store now ( synchrony financial funded ) and they proceeded to send me another phone ( SN XXXX ). When I ordered this phone I was required to put a deposit down in case it was not returned. 

As of now, both phones were mailed by their respective deadlines. I then called and confirmed on or around XX/XX/XXXX to confirm both phones were recieved, and the XXXX store gave me an affirmative response. 

Now when I have called to check my balance on my Synchrony Financial card, they have charged me the full price of the phone that I returned to them via RMA. 

I do not have this phone in my possession, they did not take the charge off, and are not working with me. I have attempted to remedy this numerous times with no luck. They have charged me {$980.00} dollars I do not owe. 

I have requested they take the charge off and they have not. 

I have attached the tracking information showing the items were received.

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 12/31/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Credit report requested from Experian, was initially charged {$1.00} to " check my credit '' listed in my checking account as " EXPERIAN *CREDITREPORT XXXX CA '' and then {$21.00} every month following for 5 months with no option to cancel, listed in my checking account as " Experian *CreditReport XXXX CA ''. I did not request or receive any service for this charge and am unable to find where the charge is even coming from. Experian website provides no insight or option to cancel services, as I do not have an account with them. Total money stolen through these charges amounts to {$100.00}. I still have no way to cancel.

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 09-12-2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX 2015, I notified US BANK that I was closing my account and that I was transferring my recurring bank drafts to my new one. On the same day, I notified my linked credit card with US Bank and closed the account. There was approximately {$50.00} left in the US Bank account and I did n't make any deposits because I had successfully transferred all of the bank drafts to my new bank account, additionally, I did n't have any outstanding checks. On XXXX XXXX 2015, US Bank paid a bank draft to XXXX XXXX for the amount of {$220.00} even though there were insufficient funds to cover it. When I called US Bank I was told that the account had never been closed as I had requested. They would not close it until I paid the new balance at my former bank account. It turned out that the creditor XXXX XXXX had been paid twice in XX/XX/XXXX, my new bank paid them as I had requested. US Bank had a record of my contact with them on XXXX XXXX and the representative actually asked me why I was closing the account. They still have activity on the former account, I have n't used it at all. As far as I 'm concerned it is closed. I sent them a letter that once again told them that the account was closed at the consumer 's request. 
I 'm asking that they closed the account and dismiss all of the charges that they have added. 
Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: CLOSED MY CREDIT CARD AND REPORTED BAD ON MY CREDIT WHILE I WAS XXXX SINCE THEN THEY STATED AND SENT ME A LETTER STATING I WAS COVERED UNDER SCRA GAVE ME BACK ONLY THE INTEREST BUT NO FINANCE CHARGES, LATE FEES OR CHANGING IT TO 6 % AND REPORTED BAD ON MY CREDIT REPORT. I WOULD LIKE ALL OF THESE ISSUES FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: I noticed several charges come through on my debit card that i did not notice I called customer support to dispute them as I did not authorize them. 
While disputing these charges the rep found a bunch of older charges that were also charged but under a different company name and included those in the complaint. 

I received a letter from chase telling me that the charges were to old and I would not receive almost {$600.00} in unauthorized charged refunded to me. 

Since chase has never sent me a statement I was not aware of these charges I use the chase mobile app 's quick view feature to check my balances and login only to transfer between accounts and payy credit card so I never noticed these charges until the rep informed me of them. According to the account agreement it says I have 60 days to notify them once I learn of the unauthorized charges but XXXX states I have 365 days to notify them and various other federal laws and regulations state 2 years I feel that chase is allowing criminals to steal money from consumer accounts while offering no protection to the consumer. 

Chase states they monitor my account for suspicious activity but they have failed to find a random company charging my account under multiple names for the same dollar amount unusual however they constantly block my card as unusual on almost every weekly visit to the same grocery store and gad stations.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I received a copy of my credit report when i tried to applied for a mortgage with XXXX XXXX XXXX XXXX. Upon going through my credit report, i noticed 4 accounts being reported as collection accounts with the following collection companies Portfolio Recovery Associates, LLC XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
These accounts do not belong to me. I sent out a validation of debt letter to all 4 collection companies and i did not get any reply back from them. It has been over 3 months and no reply from them. I disputed the accounts with all 3 credit bureaus ( XXXX, XXXX  and XXXX  ). All the 4 collection accounts where deleted by XXXX but XXXX XXXX and XXXX continue to report these accounts even though they have no proof that these accounts belong to me. I sent an initial dispute letter on theXX/XX/XXXX and i did not get any reply from them ( XXXX XXXX and XXXX ) and i sent a second follow up letter on the XX/XX/XXXX and still did not get a reply from them. Yet they are still reporting this in-accurate information. The collections companies keep calling my phone and pressuring me to accept a debt that i do not owe. Even if i owed Portfolio recovery associates, it is passed the statute of Limitations for debt collection for the state of Florida.They have not been able to validate the debt and it is still being reported by the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Had to retired from federal job due to XXXX problems current loan is with SPS as the servicer. This loan was a XXXX subprime loan generated before 2009 that XXXX had dump to SPS. We applied for HAMP due to financial loss of income and property value is XXXX and mortgage is for XXXX so under HAMP my understanding is Principal Reduction would be included. SPS and Investor approved a trial mod but not principal reduction need to know what they do n't comply with the HAMP rules. The account number XXXX for this mortgage. The HAMP modification does not help without a principal reduction. I have contact a lawyer to work with me and SPS on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently ordered my credit report from XXXX and I 've noticed multiple inquiries listed on there that I did not authorize or recognize inquiries such as XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX 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 01-12-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm a previous customer that completed an approved Short Sale in 2015. I received my XXXX yesterday in the mail, it is incorrect. I made ( 4 ) separate calls to Citi Mortgage this morning, where no one could assist me apparently. I spoke to XXXX associates in Loss Mit and XXXX associates in Customer Service and XXXX Customer Service Supervisors. 
I was advised that by no means could I receive any kind of assistance from Loss Mitigation and to contact XXXX, this is the contact number that I used to reach them already. They stated not able to assist me there and placed me hold and the call dropped. The issue with the XXXX is that it shows the amount the house was bought for rather than what was still remaining after sale, ( deficiency amount ). 
This information has also been sent to the IRS and I 'm quite honestly appalled that better controls are not being practiced and performed to ensure that at minimum I ( the customer ) and the IRS are not being misinformed. CitiMortgage seems to not be able to communicate or reflect clear conscise information about the status of my loan. Per customer service it shows as closed, no further information. On the XXXX it shows foreclosed and when speaking to Loss Mit it shows completed ( short sale ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: For the past year, I have been disputing the validity of a debt through Portfolio Recovery Associates. My credit report does not show a past due account with XXXX. On XX/XX/2016 a man who represented as a XXXX County Court process server showed at my residence and gave my spouse a summons of a pending lawsuit from XXXX XXXX XXXX XXXX. I contacted the XXXX County Court and there had been no lawsuit filed. 

I contacted Portfolio Recovery on XX/XX/2016 and I spoke with XXXX XXXX in the legal department. He stated, " I can not discuss this case with you and you need to contact XXXX XXXX XXXX ''. I subsequently left a voicemail for XXXX XXXX, the representative responsible for my case. 

On XX/XX/2016, after receiving no call back from XXXX XXXX, I called XXXX XXXX XXXX again and spoke to a different representative who I told I just wanted this behind me and I would pay off the account even though I believed I did not owe it. I do not want to go through the time and energy that it takes to legally battle this issue. She pressured me into stating for the record that my dispute was resolved. I stated that it was " resolved under duress. '' She then offered me a settlement of XXXX % of the balance. She sent a email to XXXX XXXX to contact me which he did that day. I agreed with XXXX XXXX to settle the debt for {$1000.00}. The original balance was {$1200.00}. He sent me a settlement letter and I paid it that day with my debit card. I have XXXX letters verifying the debt has been paid. 

On XX/XX/2016, I contacted Portfolio Recovery Associates and I was immediately asked to pay {$250.00} on my past due account for XXXX XXXX. I told them the account was n't mine to begin with but I had settled it through XXXX XXXX XXXX. They refused to help me sort out the balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (GA).
Issue: Shopping for a loan or lease

Complaint: hyundai finance uses discriminatory tactics to make rate decisions, the company uses the relationship of dealerships as a basis to discriminate on their customers. they take equal credit profile people and make rate concessions and adhustments according to the dealership they visit. for example i was forced to give better rates to customers with worst on exact profiles than the next customer just on basis of dealerships as opposed to the merit of the customer

Company response to consumer: Closed
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/XXXX, my husband and I sent the attached investigation request to Equifax. Over two months have passed, and we have yet to receive a response from Equifax, despite multiple follow-up attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Struggling to pay mortgage

Complaint: Provided by XXXX XXXX XXXX XXXX & XXXX claims XXXX XXXX XXXX XXXX XXXXXXXX  Claim numbers XXXX XXXX In Cfpb complaint no. XXXX president/ceo XXXX XXXX of XXXX XXXX XXXX stated that XXXX XXXX XXXX XXXX XXXX are the underwriter of the wells fargo transaction to XXXX XXXX XXXX/XXXX/XXXX. 

In XXXX XXXXXXXX response of cfpb # XXXX she stated that XXXX provided me a mortgage loan for XXXX on XXXX/XXXX/XXXX. I AM ABSOLUTELY SURE THAT MY MORTGAGE LENDER ON THAT DATE WERE XXXX XXXX AND MY SERVICER JP MORGAN CHASE TO ITS END. 

Also she states that XXXX conveyed the property to XXXX XXXX as XXXX. That also is not what happened on XXXX/XXXX/XXXX shows a quit claim sale for XXXX from XXXX to XXXX XXXX. 

Please clarify in writing of your role in this matter to clear up the confusion as other agencies keep describing your role without a written clear answer from you.

Company response to consumer: Closed with explanation