milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I repeatedly receive calls from this company. They leave voicemails with dead air. Every time I call back, I tell them I am disputing this debt. Today they have already called three times. Each time is a different phone number. Ive called them back twice notifying them I have disputed this debt with the original creditor. I then ask to be transferred to a manager. Said manager rushes through his name therefore I am able comprehend him. Once I tell him Ive disputed this multiple times with this company and the original creditor, he then says they will remove my number from their call list. I then receive another call from the same company, different number calling about the same debt.

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 09/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Other fee

Complaint: i received a letter from American Express saying " I have been qualified and enrolled in the Select & pay Later feature .... If you do not wan to be enrolled in Select & Pay Later, please contact us ... " If you cancel you will not be able request this program in the future back. 
They list the charges at 18.49 % APR. 
This is was in a letter that could have been easily thrown out. This is not something I asked for. This is a way they can trick customers and force them to pay high interest charges when they sign up for credit card which is designed to have the balance paid off at the end of the month. This is predatory behavior and should be stopped. They need to ask your permission to enroll in the program, not you must call in to cancel something you did not ask to be enrolled in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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've sent certified letters stating that multiple inquiries weren't mine and was a victim of identity theft. Experian actually sent me mail stating that they would NOT remove the inquiries and started automatically returning my certified letters. 

I've enclosed a copy of the Identity Theft Report that I filed with my local Police Department and the Federal Trade Commission as well. It has been completely ignored. 

Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : Credit Acceptance Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Center Date : XXXX XX/XX/XXXX Creditor Name : XXXX   XXXX XXXX  Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Na Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX Co Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX 2016

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 03-08-2017 about Mortgage (VA mortgage) with BAYVIEW LOAN SERVICING, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Dual-tracking. XXXX started the home foreclosure process ( XX/XX/XXXX ) before reviewing/providing any information in regards to status of our loan modification or responding to my multiple attempts to contact them ; both by email and by telephone. When I was able to speak to an agent at XXXX on XX/XX/XXXX, I was told that our modification was received on XX/XX/XXXX was still pending review. When asked what 'pending review ' meant. I was rudely told " well ma'am, I 'm guessing it means no one has looked over it yet ''. On XX/XX/XXXX, I filed our first complaint with CFPB. On XX/XX/XXXX we received 4 letters ; 3 dated XX/XX/XXXX, each explaining that our loan modification was denied due to the information not being received by the deadline. The outlined deadline in the letter was XXXX/XXXX/XXXX which was the day the information was submitted to XXXX. The letter also stated that " in order to obtain more information regarding the denial decision '' I would need to send in a written request and " to discuss other foreclosure prevention programs, contact to discuss ''. The last letter was dated XX/XX/XXXX, stating they had received my inquiry ( a copy of the CFPB complaint ) and proposed a resolution date of XX/XX/XXXX was assigned. I called on XX/XX/XXXX twice and left messages for our contact ( which we have NEVER spoken to or heard from ) ; nothing was returned. On XX/XX/XXXX, I sent an email to the law firm handling our foreclosure outlining our concerns and challenges. On XX/XX/XXXX, I called XXXX again and I was able to speak to another rep who indicated WE WERE in compliance with the loan modification request ( the submitted date on our account was XX/XX/XXXX ) and that no further reason was listed for denial. She suggested I call the law firm who was handling the foreclosure. I called the law firm and spoke with the attorney working on our case. She informed me that none of our attempts at communication had been forwarded from XXXX and they had not heard from them since XX/XX/XXXX, even though we sent many notice of error emails, left voicemails, and sent an email to their HAMP Escalations Dept. in XX/XX/XXXX. The email the law firm received from me was sent to XXXX for review and a reply. XXXX has not sent a reply. We mailed a Notice of XXXX to XXXX on XXXX/XXXX/XXXX. We have yet to hear back. On XX/XX/XXXX our home set for auction. I called the county court house today and was told the file/listing was 'inactive '. I called XXXX and was told that no updated status on our home is listed. So I reached out to the law firm and within 10 min I was told that our home was auctioned and sold back to the bank. I am at a loss. We have a recently diagnosed terminally ill child which is a large contributor to our hardship and all we have been asking for this WHOLE time was for XXXX to allow us to pay the amount agreed upon/structure put in place by our original lender at the time of closing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was contacted by XXXX mail on XX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX onXX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XXXX, then my father ( XXXX XXXX ) XXXX XXXX in XXXX, and my mother ( XXXX XXXX ) XXXX XXXX in XXXX ( three months XXXX apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their XXXX and I still have to get a XXXX XXXX for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. XXXX XXXX XXXX is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) XXXX XXXX and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers XXXX XXXX ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this XXXX XXXX loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX Bless. Also can you please have them stop reporting also until this investigation is resolved?

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 10/18/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: national credit collection agent has been reporting negative information to Equifax. Stating incorrect balance. I submitted a copy of my last balance of {$5700.00} with the creditor dated XX/XX/2009. national credit has reported my balance over XXXX, XX/XX/XXXX, today the balance reflecting in my report is over 8k.equifax has fell to removed the incorrect information from my report, national credit has imposed additional cost and never disclosed additional cost related to account, I feel they taking advantage of the system knowing the importance of rental properties checking credit for approval.to be consider for rental. Its been close to 7 years. I feel this practice is unfair and unjust and wish to have removed immediately. Equifax is a XXXX base company .as well as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 1 ) XXXX XXXX # XXXX For XXXX XX/XX/XXXX, I have not lived in that house in over six years. Had no balance when I moved. Anything accrued after XX/XX/XXXX was landlords ' responsibility. That property was a XXXX house. 

2 ) XXXX XXXX XXXX # XXXX For XXXX. This charge should have been removed in XXXX. I opened a PUC Case In XXXX which ruled in my favor. I moved from the state of PA XX/XX/XXXX. How in the world do they submit to the credit bureau a charge I was billed in error, which should have been adjusted a long time ago on my credit report in XXXX? 

3 ) XXXX XXXX XXXX for XXXX. # XXXX. Reported XX/XX/XXXX, for {$160.00}. 

Incorrect Billing my final bill was {$130.00} and they owed me an adjustment off of that amount for {$25.00} for charging me shipping of an emergency phone. I was told by a representative they would adjust the {$25.00} off the {$130.00} since I was told they were shipping it for free. To date, they have not adjusted the charge and have added additional fees. 

4 ) XXXX XXXX gave me a card for {$250.00} only. They claimed that the last payment was recieved in XX/XX/XXXX. According to my records the balance was paid in full by XX/XX/XXXX. I have not used that card in years. Please request a full detail of all payments I made from the time I received that card in XXXX. Where did {$420.00} come from many years later. 

5 ) XXXX XXXX  XXXX XXXX # XXXX. 
XXXX XXXX owed me {$300.00} For signing up first time customer and staying with them 90 days with all payments on time. I repeatedly called and request my credit which I was informed by several supervisors ; I have their names, dates I spoke with them and their I'd numbers that I would receive my credit. To date all that they gave me was {$110.00}. From my record they still owe me {$180.00}. These companies believe in cheating consumers out of their credit.

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 11-11-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company loan ( XXXX loan # XXXX ) was sold to ( green tree loan # XXXX ). XX/XX/XXXX. Which has now turned into Ditech XXXX # XXXX. 
They ( Green Tree/Ditech ) Claim that I missed a payment. I have not and sent them the proof a couple of times. And they still claim I missed one payment and are charging me late fees on top of the regular payments. I have ALL the bank statements and copies of checks to show that I paid every payment. As well as a Expense Detail Statement from XXXX XXXX showing they released {$1800.00} to Green Tree on XX/XX/XXXX. I need to know how to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I have been a custom er of Citibank for 29 years. I pay my balance in full every month. Citi o ccasionally sends me junk mail that I throw in the garbage. Apparently they sent blank checks to be used for a balance transfer. On  XXXX  some one signed my name to one of those checks and made it to himself ( or another individual ) for {$600.00}. Citi assessed a {$30.00} fee. I paid the {$630.00} because I 'm applying for a mortgage and I do n't want to show I have overdue charges. Since then I have called the bank 6 times and have asked for my money back. Every time they put me on hold for a while and then they say the money will be in my account in 2 working days, they will send an affidavit for me to sign, etc. It 's now been 5 weeks and nothing has happened. I asked them to cancel all other checks that were issued and not to send me any more. Someone did try to cash another check for {$300.00} but luckily it was n't accepted. I 'm appalled they treat me like  this. I 'm buying a new house and {$630.00} is significant. I do n't know how much longer they need to investigate, but they should give the money back in while they do that, or they should speed up the fraud investigation.

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 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is no mine. I have told them over the phone several times this debt is not mine. I have asked the company to show me validation of debt. They have shown me none accept my name dob and social are incorrect.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Telephone : XXXX Web : www.equifax.com/personal/disputes We also obtained your credit score from this consumer reporting agency and used it in making our decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 

Credit Score : XXXX Score Date : XXXX/XXXX/2017 Scores range from a low of 250 to a high of 850. 

191 NUMBER OF ACCOUNTS 304 NUMBER OF NON-UTILITY INQUIRIES 331 PERCENT OF RECENT NON-UTILITY INQUIRIES POSTED RECENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Navient XXXX XXXX has refused to release me from co-sign contract. My daughter has maintained a consistent payment for well over XXXX years ago and by contract I was supposed to be released from the co-sign contract if she consistently paid for 36 months and showed evidence of XXXX employment during that time period as well They claimed that since my daughter picked up other Credit debt I still have to remain a co-signer to the school loan ... XXXX is an unfair requirement and a violation of the original contract when I co-signed on the original loan

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted XXXX several times over the last 5 five years advising them, I have been an victim of identity theft and several hard inquiries and items have appeared on my credit report that are unknown. I have submitted several disputes verbally, in writing and electronically. I recently sent them several documents proving my identity case. And XXXX has yet to update my account. I recently filed bankruptcy chapter XXXX due to unknown hard inquiries and items showing up on my credit report. And my chapter XXXX case discharged on XXXX XXXX, 2017. I would like to have my report corrected and updated.

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 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Sent a certified letter to Experian asking for documents they used to verify that this account was correct and mine. Received credit report that just stated verified with no supporting documentations. Spoke to rep over phone and was told that they do n't have to provide me with anything.

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 05/17/2017 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (CA).
Issue: Trouble during payment process

Complaint: We have our loan through Pacific Union Financial :  Bought the house XXXX of XXXX. Property taxes on our escrow was not being allocated properly even though we paid the full mortgage amount. XXXX XXXX County tax collection sent us a notice of property taxes owed in XXXX of XXXX. Pacific Union agreed to refinance our loan so that they can take the  money from escrow and pay the owed property tax. We refinanced and thought the matter was settled. Now we got a notice that we are {$4000.00} short on our property taxes assessed. So our estimated payment went from {$3100.00} to {$3800.00} a month. More than our payments before refinancing. We found out from XXXX XXXX tax office that the property taxes redemption was never paid. So when we refinanced they never paid it and now we owe {$7000.00} because of penalties. This has been going on for the entire time we owned our home. We have always paid the payments on time and done our due diligence to resolve this matter. This is putting is in a finacial hardship and affecting our marriage because of the stress this has caused us year after year. Please help us resolve this matter. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with DISCOVER BANK (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a Discover card account, have had it for years, last XX/XX/2016 some fraudulent charges appeared on my account, i called discover told them i hadnt made the charges, they took all charges off, a month later i received mail saying that i was liable for charges that i did not do, i contacted them and they said for me to get a police report I sent them a police report and they still would n't take the charges off, they say a call came from my cell phone to verify charges, i have no such phone call on my phone records, I had XXXX email them a copy of my phone records that do n't show the said call and they still say I 'm liable, this is XXXX dollars they want me to pay them that i did n't do

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Closing on a mortgage

Complaint: We were having trouble with the payments and the loan was in my moms name and she is under   XXXX   XXXX    which I did n't have to tell them because we found someone to buy the house and let us stay here as long as my mom is living, I wanted to keep the house but knew Ocwen would n't work with me on it. We had to do a modification a few years back and they said we did n't qualify for the presidents program. They wanted to know anything and everything and still did n't lower the payments any. Then they had to take out insurance because I could n't get any, because of a fire. They raised it up another {$140.00}. But when we started the closing they did n't want to give us the pay off quote, they kept changing it day by day, and did n't want to give the one handling the sale any help  or any information. They have been a headache every sinc e we had to refinance with them. I have been cused by some of the hounded and heassed by them at different times. They are one company I hope to never have any more dealing with and when we had to refinance that gave us a ballon payment of {$35000.00} in 15 years.

Company response to consumer: Closed with explanation