milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I am facing foreclosure on my home. I have been try ing two years  to obtain a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: After encountering at least eight different serious problems with this credit card from Citibank -- including harassment and retaliation which included repeated unwarranted instances where my card was not accepted while I was traveling in the U.S., at places I often travel to, for small charges, such as around at {$8.00} at gas stations even after I entered my zip code, and even after I had repeatedly complained that this should not happen -- I decided to cancel my card because I refuse to do further business with a company whose behavior is either fraudulent or grossly negligent at best. I called on XX/XX/2017 to cancel my cad and went through all procedures to do so, and was unequivocally told it was closed. Then weeks later I receive another bill that included service fees and late charges for the annual fee. When I called in on XX/XX/XXXX, to a person with the XXXX, she admitted that the notes indicate the account should have been closed but was n't ; they had no explanation. I have requested call backs multiple times from someone at the executive level who could review this issue, as this is a serious issue of fraud, and of course no one ever has. I received one voicemail message that left the generic XXXX number again ( when I explicitly told them no to do and have only someone at the executive level who would leave a name if i was n't here call ) : when I called them on XX/XX/XXXX, XXXX, Maryland, said the notes did n't even indicate what the issue was, which again shows how negligent they are, I again told them I wanted someone from executive to call me and no one has.

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I 've been trying to dispute some inaccuracies on my credit reports. For some reason the credit bureaus NEVER respond back to me. That 's pretty strange because i know it is my right to dispute any inaccuracies i notice. Is that legal? Please investigate the following accounts. 


XXXX XXXX date of last activity is not reporting right. 
XXXX XXXX XXXX XXXX account is inaccurate. Three collector 's are trying to collect on this one debt. The balance owed is not correct. 
XXXX XXXX XXXXXXXXXXXXXXX XXXI have never done business with nor have i been contacted by this company about this debt. 
XXXX XXXXThe rating on this account is wrong XXXX XXXXXXXXThe balance should be {$0.00}. 
XXXX XXXX XXXXThis company is illegally collecting on this account. They are not licensed to collect debts in Louisiana and that is ILLEGAL. 
XXXX XXXX XXXX XXXXthis account in inaccurate. 
XXXX XXXX XXXX XXXXThe date of last activity is incorrect. 
XXXX XXXX 've never done buisness with XXXX XXXX XXXX XXXXThis creditor along with two others are attempting to collect this debt. This company no longer has this debt. Please remove.

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 10-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have applied for, and qualify for, income driven payments. These are all handled on XXXX website by the XXXX. 

Navient refuses to accept them, and requires me to submit them manually, intentionally putting additional steps between me and my income-driven repayment plan that are not necessary. 

My other student loans have easily switch to income driven payment with a single application on the XXXX website, except for navient.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Medical debt) with Healthcare Collections-I, LLC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Starting in  XXXX  of    2016  - I have submitte d two letters to the credit bureaus asking them to verify this debt. I have not received ANY FORM OF VERIFICATION. I additionally send this company a letter directly asking for verification of this debt. I RECEIVED NOTHING I do n't know what this is. who they are. where the debt is from before they got it. I am  incredibly frustrated by this entire experience.

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 11-09-2017 about Debt collection (I do not know) with Choice Recovery, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After viewing my annual credit reports I noticed a collection account with Choice Recovery ( acct XXXX ) for {$540.00}. They are attempting to collect a debt owed to XXXX XXXX XXXX for {$430.00}. I disputed the validity of the debt with all three credit bureaus as I have not had any business dealings with this company. The response from the creditor came back as verified. My dispute included a request to see my signature as the responsible party but I was not provided with any documentation. 

I have no knowledge of this debt and have never used their services or agreed to pay for services rendered to another party. 

I am requesting this account be removed from all three of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Other debt) with ERC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from ERC for a settlement amount on a previous debt. I paid the settlement amount in full and by the requested due date. Then a few weeks later, I received another letter requesting additional amount. I am not sure why the amount of this debt continues to change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Mortgage (Conventional fixed mortgage) with Fairway Independent Mortgage Corporation (LA).
Issue: Application, originator, mortgage broker

Complaint: Around XXXX XXXX I started sending in required documents to XXXX XXXX of Fairway Mortgage company after our offer was accepted on our new home. We usually sent him everything he requested within a few hours each time. Later in the process we started asking if they had a close date in mind since the house I was renting now had a contract on it and they would be closing XXXX XXXX, we had to close before them. From the very beginning we asked for XXXX XXXX and constantly reminded them XXXX XXXX was rapidly approaching. We were never told XXXX XXXX was impossible. XXXX XXXX I 'd put a comment on a social media about how they are not keeping us updated on the progress of our loan and keeping us in the dark. A friend had recently closed with them and it was a great and fast experience. She gave me a few names from corporate headquarters to call for help, which I did. They corporate people were shocked and the lack of information they could obtain on our loan, they were trying to help expedite it because XXXX XXXX was the following week. I was told that the particular branch of Fairway I 'd chosen was having personnel problems and some loan officers had left and one was on medical leave so all of the loans had to be routed to corporate for processing. We checked with these ladies almost every day and did n't end up closing until XXXX XXXX and even up to the day before at XXXX pm, XXXX Mortgage was asking for paperwork proving my boyfriend had paid a boat off with one credit union and the other credit union used the funds to pay off such boat! Bottom line we did n't close until XXXX XXXX, had to hire movers ( {$750.00} worth ) to move us because we did n't close until XXXX and the house we were moving out of closed the next day, so we had only hours to get our belongings out of the house. The XXXX and hard spots this company put us through was a nightmare. We were kept in the dark through the whole long process and Fairway was made aware from the beginning that the house we were occupying had a contract on it and we had to close and vacate prior to their closing date of XXXX XXXX. Worse house buying experience I 've EVER had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Trouble during payment process

Complaint: Closed on new home XXXX, XXXX, XXXX. XXXX XXXX XXXX Bank underwrote the mortgage and assigned it to NationStar aka XXXX XXXX for mortgage servicing. The first mortgage payment is due in XXXX weeks but I have not received any information from NationStar such as : account number, contact information, or any other information about available methods for making the mortgage payments. I have serious concerns about this servicer. So many negative online reviews and complaints about NationStar including negligence, gross errors and fee demands for missed payments and such. I need to know what legal means I can use to be sure I have an appropriately set up account, appropriate 'due ' dates and secure, efficient method to make timely mortgage payments. I have emailed the XXXX XXXX XXXX bank mortgage broker and my attorney for additional assistance. Please advise re further options to expedite the NationStar loan servicing issues. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with AMERICAN EXPRESS COMPANY (AE).
Issue: Rewards

Complaint: I received a flyer from American Express asking me to sign up for a business credit card and spend {$10000.00} w/in 3 months to receive XXXX points. When I tried to use the code and sign up online, their website kept telling me it was having problems and to call and sign up. When I did so, I made sure the representative was signing me up under the XXXX reward points code. After fulfilling the {$10000.00} spend requirement, I noticed I was only given XXXX points. I contacted AmEx numerous times, being told that although they confirmed I was offered the XXXX point offer, that I was signed up under XXXX point offer. This is fraud, they intentionally enticed me with the XXXX point offer, then ensured I had to call instead of signing up online where I could have verification of the correct offer ( the rep told me that they make everyone call ), then switched offers after verbally telling me I was getting the XXXX points. Classic bait and switch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: All three of the agencies are not able to provide my credit report online as they are all saying they ca n't handle the volume due the amount of traffic that they are getting due to the Equifax breach. 

Most of them are timing out, saying the volume of requests are too high, or they ca n't handle the load. 

Further, all three agencies are not able to effectively place a freeze on the account -- either the system is timing out, or they are indicating that they are not able to place a freeze this time. 

This is the most key time when these functions should be able to work -- the fact they ca n't handle the work load is something they should have thought of and had a contingency plan in place for.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Advertising and marketing

Complaint: Recently I was flying Spirit Airlines and they were advertising their Spirit Mastercard from Bank of America. The advertisement goes like this : Upon receiving the Spirit Mastercard, customers will receive XXXX Spirit miles after first purchase, regardless of the purchase amount. According to Spirit agents, XXXX Spirit miles is good for most XXXX flight tickets since their trip can be booked at XXXX miles/ticket. I wholeheartedly trusted their advertisement and submitted my application for a Spirit Mastercard although I have more than XXXX credit cards at that time because I was incentivized by their offer. However, after receiving my Spirit Mastercard from Bank of America, I started to look for flights I can book with my Spirit miles. After a thorough search of Spirit reward travel, I found about 90 % of my search results in reward travel requires XXXX miles per trip plus fees, and the remaining XXXX % results in reward travel requires XXXX miles per trip plus fees, which is XXXX and XXXX more than what Spirit had advertised. I am extremely disappointed by the way Spirit and Bank of America had advertised this credit card, and I felt victimized by their false advertisement. I am formally exercising my right as a consumer and seeking help from Consumer Financial Protection Bureau to thoroughly investigate this issue and have Spirit and Bank of America properly compensate the damages they have done to their consumers, including me.

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 05/15/2017 about Debt collection (Payday loan debt) with BlueChip Financial (RI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Family members and friends received call from  XXXX  indicating that they are looking for me to serve a subpoena for a debt.

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 10/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I do not know anything about this debt collection coming from Afni, Incorporated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX , XXXX original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I made a mortgage payment on XXXX/XXXX/15. My mortgage was paid off completely on XXXX/XXXX/15. The payoff amount did not include the payment made by me on XXXX/XXXX/15, and so now I am owed approximately {$3900.00} from the mortgage servicer. It has been over 30 days since the payoff of my mortgage and the servicer has no information whatsoever on the refund they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was notified back XX/XX/2017 that XXXX XXXX was fraudulently opened in my name and reporting to my credit reports. I am a victim of Identity Theft and immediately put a fraud dispute in with a copy of my identity theft police report with all 3 credit bureaus '. Equifax is the only bureau that has yet to remove XXXX XXXX from my credit report due to fraud. According to Equifax, XXXX XXXX is verifying an account with my name, address, DOB and last 4 of SS. That is all information that could be used when one is a victim of Identity Theft. XXXX XXXX has been notified that this account is due to fraud and was never authorized by me to be opened. XXXX  XXXX has failed to provide a contract with my SIGNED signature showing proof that I am the one that authorized this account to be opened. I have an open BBB complaint against Equifax and against XXXX XXXX. I have also filed a CFPB complaint against Equifax. I have sent another copy of my Identity Theft police report certified mail to XXXX XXXX along with a 609 letter. XXXX XXXX is inaccurately reporting a fraudulent account to my credit file & because of this inaccurate information, I have been denied credit for a home as well as other credit that I'm trying to obtain. This account needs to be removed from my Equifax report immediately due to me not authorizing the account to ever be opened and it was done as a result of me being a victim of Identity Theft. XXXX XXXX is providing verification to Equifax that an account does exist using my name, address and DOB. However anyone can easily access that information on the internet and or phonebook. By law to validate this debt is actually mine, XXXX XXXX needs to provide an original contract with a signed signature by me. For the last 6 months, XXXX XXXX hasn't been able to provide an original contract with my SIGNED signature, therefore XXXX XXXX   is in violation of FCRA section 609 ( a ) ( 1 ) ( A ). XXXX XXXX needs to immediately remove this fraudulent account from my Equifax credit report or I will pursue all legal matters if necessary to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION NO KNOWLEDGE OF INACCURATE XXXX XXXX AND XXXX XXXX XXXX XXXX   ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting phone calls two times a day asking to speak to XXXX XXXX. I am not XXXX XXXX. This has been going on for two months. I call them back state I am not her as to take my number off they call again the next day. I have spoken with manager she assured me this will not happen again it is still happening.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with ALLY FINANCIAL INC. (OK).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Consumer Financial Protection Bureau Ally bank made a mistake on my mortgage loan. I proved it to them. They eventually admitted it. However, they seem to refuse to resolve the problem. 

I had a new construction built for me with a construction loan. When the house was near completion, I chose Ally Bank to refinance the loan as my permanent lender. They mistakenly processed my loan as a secondary residence when in reality it was my primary residence. I noticed the mistake early in the process. They said they would fix it. But they continued to process the loan incorrectly as a secondary residence. 

The major timeline of events are as follows : - In an email dated XXXX XXXX, my loan coordinator XXXX XXXX informed me that my disclosures were ready for me to review. I noticed that the pre-filled application marked my home as a secondary residence. 
- In an email dated XXXX XXXX, I informed XXXX XXXX about the mistake and that it should be marked as a primary residence. In an email dated XXXX XXXX, XXXX XXXX said that the loan would be for a primary residence. 
- At the closing of my new house on XXXX XXXX, the closer noticed that the paperwork still had my home marked as a secondary residence. She advised that we continue with the loan anyway and that I should bring the mistake to Allys attention afterwards. After closing, I immediately phoned my loan coordinator XXXX XXXX and told him the situation. 
- Ally stated that the only way to change the status of my home to a primary residence would be through a refinance. In an email dated XXXX XXXX, XXXX XXXX, the person XXXX XXXX forwarded me to, said that interest rates had gone up and that he might be able to cover some of the costs but not all. 
- After they ceased communication with me, I threatened to report the incident to the Consumer Financial Protection Bureau. XXXX XXXX contacted me soon after, finally admitting to the mistake. He tried to convince me that there would be no adverse affects to leaving the loan unchanged. I did not like this option. 
- On XXXX XXXX, XXXX XXXX called me and left a voicemail. After apologizing and acknowledging that it was Allys mistake, she told me that she had the ability to change the residency without refinancing. I attempted to call her multiple times and left voicemails. Her voicemail to me on XXXX XXXX is the last communication Ally has made with me. 

Attachments : - Email showing that I noticed the mistake early and asked them to fix it. 
- Email showing that they would fix it. 
- Voicemail admitting their mistake and how they would fix it.

Company response to consumer: Closed with explanation