milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: My wife received a piece of mail from Quicken suggesting we refinance our mortgage to a higher rate and extended term. Yes, we could save more on our monthly payment by doing so ; however, I could not find anywhere in the letter where they indicated that this would result in our paying more interest over the life of our loan. And after doing calculations on my own, it looks like it would be XXXX upon XXXX of dollars more. Maybe I 'm overly sensitive at this time due to the buzz around Quicken 's Rocket Mortgage ad during the XXXX XXXX, but I 'm really getting fed up with Quicken 's aggressive marketing tactics that seem to go against Truth In Lending principles.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Mortgage (Conventional home mortgage) with AMERICAN PACIFIC MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: I had a mortgage from American Pacific Mortgage, but they sold it to XXXX XXXX in XX/XX/2016. Since then, I make all payments to XXXX XXXX. I just got a notice from American Pacific Mortgage in the mail which says : " We would like to discuss your American Pacific Mortgage loan. Based on current records, you may be eligible to refinance your current adjustable rate mortgage with no application fees and no appraisal fees. '' On top of this very misleading message, I've never had an adjustable rate mortgage. 
This is trying to get me to refinance by scaring me about a mortgage I've never had!

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 04/24/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The below " also-known-as '' names were quoted in my XXXX, 2016 credit report, I have NEVER been known under these names, please DELETE them : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (I do not know) with Receivables Outsourcing, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: initially filed complaint # XXXX indicating that this company will not provide any information, help me verify the debt, or remove my cell phone number from their dialer without requiring me to provide personal identifying information. 

CFPB forwarded the complaint to the said company. 

Said company then responded that they could n't deal with the CFPB unless I completed a HIPAA release providing them with even more personally identifying information including SSN, DOB, and permission to share detailed medical information. This is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing incorrect information on my transunion credit report for months now. I just checked my credit score and it went down again. I keeping submitting substantial confirmed information from XXXX stating that my XXXX and XXXX are current and never late. These XXXX accounts are reporting with a degratory remark which was suppose to be removed. These XXXX accounts should be reporting as accounts in good standing. right now they are reporting as potentially negative. This information is incorrect and I am constantly calling transunion and sending in these letters from commenity bank that this information is to be corrected. Transunion keeps telling me it 's under investigation then I am told it is reporting correctly. This information is wrong. Again my XXXX and XXXX should be listed as accounts that are satisfactory. I am being pressed to seek legal action against transunion as this incorrect information is affecting me in obtaining credit. I have spent hours upon hours sending these letters calling transunion and nothing is changing but my score going down.

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 04-04-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed this information 5 times and Equifax refuses to acknowledge their error. Please see my latest credit report from Equifax dated XXXX XXXX where they are reporting a date of XXXX as bankruptcy date. please see attached bankruptcy papers from XXXX bankruptcy courts showing a date of XXXX. Equifax refuses to change this error and continues to allege their reporting is correct it is causing me great financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with WELLS FARGO & COMPANY (NH).
Issue: Billing disputes

Complaint: I am having an issue w/Well Fargo Nat'l Bank @ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX in that I recently p/o my debt to them IN FULL, in the amt. of {$48.00} & $ XXXX, XXXX separate chks. I mailed the chks., w/the bill a FULL days days ahead. The bill was due XX/XX/XXXX, they have repeatedly held my chk. to be able to stick me w/a LATE FEE & in this case, in addition to the late fee, chg. me INTEREST, as well. I just rec 'd a bill in the mail for {$71.00} & they have closed my acct. They are a horrible bank to deal with! I am a recent widow & only get pd. once mo. & send all bills currently due the XXXX of every month. I have sent them a letter, stating my complaint & that I am contacting the FTC. I have NO plans to pay for the late fee nor added interest. These institution is schiestering people constantly - I have had enough of it. I hope you will contact them to dispense these bogus fees, please!!! 
Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXEmail ; XXXXXXXXXXXXPS- You may respond to me either in writing @ my address above or my email. Thank you for your time & cooperation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Convergent outsourcing   XXXX   XXXX   XXXX   XXXX  ,  XXXX  WA  XXXX   XXXX  Keeps doing credit inquiries on me.
I contacted them and they asked for my SS number immediately. I did not provide it.
I do not owe any one any money as of  XX/XX/XXXX  to any company or person. Besides my normal cc companys.
Every time they inquirie it lowers my fico score

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 04/15/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: In XXXX XXXX I made a {$400.00} cash payment to my Macy 's credit card at department store. I received an email confirmation that the payment was received, as I always do with all payments.In XXXX XXXX, I did not see the payment posted to my acct so I called and they initiated an investigation. I was told I did not have to make any payments while the matter was in dispute and being investigated.I received a letter stating that. In XXXX XXXX I got a letter stating the payment in question was posted to my account. However, I did not see it posted. So again I contacted them and disputed this for 7 months, they refused to honor their email confirmation of said payment and refused to post it to my account. In XXXX my stmt indicated no payment due so I did not make a payment. Not being able to resolve this I had no choice but to pay it again. Later when I applied for a loan I found out they posted 3 months late payments on my credit. I contacted Macy 's again and they refused to remove it. This has affected my credit score and my ability to get a loan. Macy 's has been unreasonable and unfair. Macy 's needs to be investigated, I 'm sure this happens to a lot of people and we just give up trying to fight them, because it takes so much effort and they transfer you around to many departments. Even going to the Executive complaint office was useless. The person I communicated with was XXXX XXXX and she indicates the matter was properly investigated and that a computer glitch caused the email to be sent to me. This is absurd, coming from such a big company with massive computer systems. They should honor their own correspondence. I want Macy 's to refund me my {$400.00} and correct the negative credit reporting. I thing they need to be investigated for unfair practice, in that I 'm sure this has happend to many other people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am writing a complaint in regards to Navient/Salliemae. I borrowed loans to finish XXXX year of school. I graduated in XX/XX/XXXX. However, when I upon graduating, after the XXXX month grace period I immediately began to repay my loans back. After almost XXXX years of repayments my loan balance has not changed and in some cases has increased since I borrowed the money in XX/XX/XXXX. I have called to dispute my payments over my account and have been faced with representatives hanging up in my face, transferring me endlessly and inaction. I became very ill over the years and continued to pay the student loans. In XX/XX/XXXX and XX/XX/XXXX I called to dispute once again and was ignored. Last week I called to dispute once again. I was unaware of the current lawsuit until today. I called and spoke with XXXX and requested a copy of my payments and charges and contract. Instead I was given a pdf file with a note saying my account was adjusted. XXXX was deducted so I sent a response saying that this was not sufficient and not was I had requested. I was given no response so upon calling this morning was transferred and ignored until I continued to request for a supervisor and wait until I talked to XXXX. I spoke to XXXX who said she would send my payments and contract with XXXX to XXXX days. While I attended school for graduate studies I continued to make payments of about XXXX per month or more. However, many of those payments and others have been omitted from my account and not counted toward my balance. Most of my money was taken and called " interest ''. I am highly disappointed with XXXX/Navient and can attest that they are more harmful for the XXXX people. They have done considerable harm to me and my family. I am an ill person who is unable to work. I was unable to dispute and fight as some individuals have. I am to weak to fight back. I think it is an American crime to take advantage of the XXXX and people who just want to go to school and get an education. They harm the country not help it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Auto) with TCF NATIONAL BANK (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We fell behind on a payment or two on auto loan they call me XXXX or XXXX times a day I called to find out what was the lowest payment I could pay they were very rude asking all kinds of personal questions I told them why do I owe so much because a girl from your company said she would defer a payment he said well we do n't do that by word of mouth and then preceded to say so why are you calling are you going to make a payment or not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: TransUnion deleted the inquires on my credit report. Later TransUnion added the same inquires back on my credit report without giving written not ice five days prior to them re-adding them. I contacted TransUnion in good faith to ask them to  delete the inquiries that they had illegally readded them. I spoke to  XXXX  ( will not give me a employ ee ID or last name ) on  XX/XX/XXXX  a  ro und   XXXX   and she refused to do anything about it. I explained that I know TransUnion ha d two co mputer glitches, and also that I know my consumer rights. She said nothing can be done.     XXXX / XXXX  -      XX/XX/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 11/30/2016 about Debt collection (Medical) with Data and Contact Management Solutions, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They will not release claim after debt was paid in full by me for my deceased mother, XXXX DCM Services DCM Services Headquarters XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, MN XXXX Local : XXXX My name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Payday loan) with Red Cedar Associates LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: These people are calling each and every one of my telephone lines constantly, several times a day, every day. I need this to stop. They are sharing my information with others and have contacted me on numerous occasions at my place of employment. They are harassing me and my children and making threats, going to my home and banging on the door at all hours. They 've made numerous withdrawals from my account and are saying that I still owe money. I need them to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with JPMORGAN CHASE & CO. (TN).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I have not applied for no credit cards and there is some on my report. Also on the medical issue oin 2016 was suppose to be insured

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: this name was used Fraudulent to obtain credit or services under my social security number it was removed and I did ask that this name be blocked & removed it was n't I 'm now asking that this name be blocked & removed again from my credit files and the Fraudulent Accounts that came along with this name. I was told it is a lot of files, accounts that need to be Joined together and I was told that would be taken care of & that someone was going to call me to confirm this accounts has been joined to make XXXX account so that I my also go online to dispute items on my credit file this also has n't been done because I still ca n't I had to go through " cfpb '' to dispute this matter again I want this taken care of if I have ( XXXX ) different accounts files within Transunion then they need to be all joined together with the correct info which does n't include the Fraudulent name ( XXXX XXXX ) I want an update this also has been taken care of which I have asked over & over again and told over & over it would be done but again nothing has been done I will also be reporting this to the BBB. I want to be mailed out a copy of the updated credit report that shows this Fraudulent name & accounts has been removed & I want to be mailed out proof all of the accounts I have within Transunion as been updated and merged into just XXXX account.!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Debt collection (Medical debt) with Executive Financial Consultants, Inc (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Spoke with Executive Financial after I had sent in written request asking them to validate debt that was reported to my credit bureau. I had insurance and never knew that I had a collection or a bill out there. When I asked for validation of the debt all I got was a screen shot of what they had on their screen and did not validate the debt as requested. I then contacted XXXX who was extremely rude and tried to belittle me through out the conversation and I asked him to send me a statement of the debts, he refused and said that they validated it and that is all he was required to send me. I am still asking for validation and removal of the debts. The collector XXXX refused to send me any information or statement of debt so that I could even attempt to figure out where these are from.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have XXXX hard inquiries on my credit report from XXXX company that i never applied for and im having a hard time getting these inquires as the credit bureaus are giving me a hard time about removing them

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 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Thank you for having such an important way to protect people from Banks. I am filing a complaint against who XXXX XXXX, and how they handled my financlal hardship due to a Medical condition. I tried for over 6 months to get their attention to help lower my payments and stop the late fees and lower my interest rate. I have had this card for over 30 some years. It started 2015, I contacted this bank over 20 times to help me with reducing my payments and APR. I have been locked out of my account and sent to collections. I have names, telephone numbers and .. we are talking about XXXX .. This card was used for a divorce, and moneys while divorcing, moving, managing a child with XXXX and fighting my own XXXX  issues ... XXXX Doctors, over XXXX in out of pocket XXXX expenses, XXXX XXXX visits. I have made on time payments for over 30 years and last 7 months I stop making full payments to get their pathetic attention. I was lied to, insulted and treated less than anyone who is trying to pay their 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 explanation
Consumer complaint received 12/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Delinquent account

Complaint: Capital One failed to deliver my bill to the correct address, resulting in a missed payment. As soon as I discovered the issue, I immediately paid my balance in full and contacted Capital One by telephone. Capital One acknowledged that the error was on their end and agreed to promptly reverse all resulting late fees and interest charges. Nevertheless, Capital One subsequently reported negative information about the late payment to the credit reporting agencies. 

I initially disputed this information with XXXX and no action was taken for well over a year. When I followed up again, Capital One purportedly confirmed that the information was correct. I then complained directly to Capital One via email. After receiving a generic response letter I responded with my own letter explaining the situation to them once again, and attaching the billing statement reflecting Capital One 's reversal of interest charges and late fees following Capital One 's telephone acknowledgement that the error was theirs ( attached ). Nevertheless, Capital One has refused to correct the credit reporting error. Capital One 's derogatory report is the only negative mark on my otherwise perfect credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Several people have access to my credit report and are using the information to ruin my 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 03/29/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax , when I call them, transfers me to " office of consumer affairs. '' They have no such office and I am put on terminal hold.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2015, an unauthorized inquiry was placed on my credit report.

Company response to consumer: Closed with explanation