milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.

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 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AL).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: Around XX/XX/18 I filled out an application for a balance transfer with the amount that I wanted transferred from my current account to my new chase card ( around {$5200.00} ). I received a call about a week later confirming it was me trying to get this balance transfer. I gave the man from chase my info and he asked me to hold on a minute and he will go ahead and run it to see if I am accepted. He got back on the line and said everything was good and I was accepted for the balance transfer. He did NOT tell me I was only accepted for a fraction of the money I requested transferred. I was looking for someone to transfer the full amount, and if they couldn't, I would not have continued with them. I would have found a card that took the entire amount. I did not know this until I received 2 letters in the mail from chase 1-2 weeks later. One letter was the new credit card and the other was a letter stating they only transferred 1/4 of what I had requested and specifically put in my application. I called chase about a week ago and tried to see if they could fix this or just reverse it all. I eventually was sent to a " supervisor '' that told me it was past the grace period and that I only had 2 options. Either they can run another credit check, and possibly lower my credit score 30+ more points, or I can just deal with it. She also stated that running another credit check doesn't guarantee I will even get the full amount transferred. The whole reason for me requesting a balance transfer was to give me more time to pay off my debt with no fees and no interest for a year while I get my credit score where I want it to be.. Now I am stuck with 2 credit card payments and a credit score that has dropped 30+ points over just {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this company by the name of XXXX XXXX ran my credit report without my authorization.i dont recall applying for credit from them.I demand that Transunion removes the hard inquiry immediately from my credit report.

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 09/23/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2016 I filed a complaint about fraudulent loan modification practices by Nationstar Mortgage LLC ( Nationstar ). I was told on by XXXX a manager to rerequest a Loan Modification on XX/XX/2016. I spoke to XXXX on XX/XX/XXXX. XXXX emailed me the paperwork, I faxed them to Nationstar on XX/XX/2016. I emailed bankstatments on XXXX/XXXX/2016. I was told to call and check on the process within 48 hours. A weekend elapsed so I called on XX/XX/XXXX. I reached XXXX who laughed at me and told me I could reapply all I wanted, I would never be given another Loan Modification because I failed the first trial. The first loan Modification they added an extra payment on without notifying me and cancelled without notifying me. Additionally, they sent paperwork that I did n't sign informing me that not making exact payments could ( not would which is a legal term ) result in the possible cancellation of the modification. Additionally, XXXX laughed and said I could n't get a loan modification because my XXXX loan is a Home Equity loan. It was the same type of loan when I was granted a loan modification in the first place. He emailed me a copy of the loan - laughing at me. I know that if a mortgage company does not have the original loan they can not repossess a house. This company planned to repossess this house. Had I not made a trip to XXXX XX/XX/XXXX and borrowed money from family and friends they would have been well on their way to evicting me. This is the slimiest example of fraud and attempt to repossess a home I have ever seen. They knew I did not have the resources to pay back the money on my own. If I did n't have rich family and friends I would be out of the streets with a surprise eviction notice. I am disgusted.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was affected in the Equifax hack according to their website on XXXX/XXXX/2017. They failed to inform the public after they found out they were hacked and they refuse to contact people, forcing them to use their service to see if their very personal information ( social security numbers, addresses, birthdates and even numbers of some drivers licenses ) had been stolen.
This is unacceptable for a company and some of their execs sold stock before finally reveiling they were hacked.This must be investigated and actions have to be taken to protect the 143 million innocent people that had their personal data stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 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: Public record information inaccurate

Complaint: The XXXX XXXX XXXX XXXX is reporting a lien on my XXXX and Transunion credit reports. I went on the XXXX XXXX XXXX XXXX 's website and searched my last name to see if it was any information, there isnt.

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 11/13/2015 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Other

Complaint: I received a notice in the mail this week from Chase Bank USA NA, alerting me to " Important changes to your account terms. '' In summary the changes are these : " Cash Advance APR '' and " Overdraft Advance APR '' move from " 19.24 % to 24.99 %. '' " Balance Transfers Fee '' changes from " {$5.00} or 3 % to {$5.00} or % XXXX of the amount of each balance transferred, whichever is greater. '' " Late Payment Fee '' " Up to {$15.00} if your balance is less than {$100.00} ; up to {$27.00} if the balance is {$100.00} to less than {$250.00} ; up to {$37.00} if the balance is {$250.00} or more to {$37.00} '' and " Return Payment Fee '' from {$35.00} to {$37.00}. Providentially, I am also reading XXXX XXXX 's book " Fighting Back '' and noting how banks attempt to leverage their power. This seems to be another example of the reason we need the CFPB to advocate for consumers. Please question Chase for changes. Please protect consumers. Thank you! 
My heartfelt thanks to XXXX XXXX for her perseverance through these years of turmoil and struggle and all who engage with her on behalf of consumers! We need you!

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (Other mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: After having pay cuts for XXXX or four years after the economic downturn and moving to take a job in another state, my then wife changed locks on the house, filed for a divorce, and later moved out while I was still paying for the house. I applied for a deed in lieu, because I could not afford child care, and support XXXX households, while living in a city XXXX miles away. The mortgage company went through the process but has continued to bring up more paperwork, even after all was signed, notarized, and returned, and liens were satisfied. ( The mortgage is divided into XXXX liens ). I am a veteran. The mortgage was a XXXX VA program. ( Not part of the XXXX VA program. ) The bank has left the house in my name, so any code violations are charged to me, but they changed the locks and have sent people to cut the grass. They need to finish the process and take my name off of the house. The ex-wife also signed and notarized paperwork. It should have been finished months ago. They are just dragging things out indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Closing/Cancelling account

Complaint: I opened a Chase United Business Club card for my small business. I am XXXX of XXXX owners of an LLC. I was told by Chase when opening the card that I would be able to get cards for the other XXXX owners of the company with similar usage rights. The card has an annual fee of {$450.00}. After XXXX of my business partners went to use the card at the airport and was told that I needed to be present to allow him XXXX. I specifically asked Chase prior to opening the card as to whether this issue would happen - they assured me that it would not. I then called to have my partners added to the business as owners and Chase told me that they could not assign additional account owners to a similar federal tax ID. I then asked to cancel my card and have them refund me the {$450.00} annual fee as I could not use the card as they told me I could. They also told me they would not refund me the {$450.00} because it was beyond XXXX days. They whole enrollment process and information surrounding this card was incredibly misleading and confusing if not downright fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 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: I am not aware of this debt. I have no knowledg of this debt. I called and I was told that the date listed is incorrect. The original account is dated XX/XX/XXXX. That is the correct date and that means this debt should not be on my credit report as of the end of this month ( XX/XX/XXXX ) Not only is the debt false but the Date is 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 07/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MS).
Issue: Loan modification,collection,foreclosure

Complaint: Select Portfolio Servicing began servicing my mortgage in XXXX 2013.After it was transferred from XXXX.I have been applying for a modification with SPS since that time.to no avail.I am always told that the information that I have provided is incomplete.As a result I was notified that I have no home retention options available. So I agreed to a Deed in Lieu. I was never contacted by anyone or received any documents to sign to began the Deed in Lieu process. I tried several times to contact my relationship manager { XXXX XXXX } .But only spoke to someone in her department.During this time Received a pay increase and submitted another modification package through XXXX . I received a call on the very day that the modification was submitted from XXXX XXXX .She said that the complete modification package had been received, but it would not be reviewed because a sales date had been set.When I inquired about not receiving any documents in regards to the Deed in Lieu she became very rude and said that she could not hear me and that she would have to end the call.Now I realize that SPS never intended on giving me the opportunity to prove that I am capable of making my mortgage payments. Their only goal was to take my home the way they have taken so many other hard working Americans homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was astounded to find out there was a 30 day mark on my credit report recently for this auto loan. My ex husband has this vehicle and the account is paid on time every month. My ex husband traded this vehicle in for another one and this loan was to be paid off in full. He made all the payments on time, I am not sure why this is reporting a 30 day. I am asking to have the 30 days mark removed from my credit report as a courtsey due to you can see my excellent payment history. I am trying to buy a house and when this popped up, it is seriously impacting my credit and the ability to buy a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been receiving bills from a debt collector who is acting of behalf of  XXXX . The debt collector is called Convergent. The debt is from 2008. The issue I had was my account was broken into and my personal information stolen resulting in erroneous charges being made to my account over a 9 month period. The charges were for a subscription I never signed up for. Subsequently my personal information was used to make other charges resulting in me having to close my checking accounts.
When I approached  XXXX  with what had been going through I was told by one of the Sales Managers that they would credit my account for the erroneous charges however they could do nothing to stop the charges from being charged to my account.
After nine months of this kind of treatment I closed my account in   XXXX   of 2008. My issue is it is still showing on my credit report. The last report pulled was from  XXXX  in   which I was denied credit for what they called a serious delinquency.

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 04-09-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a tax lein from back in XXXX, originally reported about XXXX. I have paid this lien ( XX/XX/XXXX, when i bought a house ). The XXXX court XXXX XXXX XXXX, FL ) shows it as paid. and on XXXX it is reporting correctly. I have talked with them and they say Equifax does not call, just goes on the court website and they do list XXXX documents, but they are not XXXX leins. XXXX is the original lein, XXXX is the payment notification from the IRS, and the XXXX is the release of lien. 
Equifax , on the other hand refuses to update the original lein to paid, even though I have submitted copies of the original lien, the payment, and the release. They state they must report all XXXX as public records and do so and mark them all as unpaid, which has dropped my credit score over XXXX points as compared to XXXX. I have filed XXXX onlline complaints and they refuse to address this oversight. I posted a comment / explaination to my credit file and they wont add it to the case either.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (OR).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX, XXXX Dear Wells Fargo, Back in XXXX of this year I had finally filed a complaint against Wells Fargo XXXX Credit Card with Consumer Financial Protection Bureau - Case number : XXXX, due to processing violations, lack of billing consistency and poor customer service to correct problems. 

Since then, XXXX closed my card, once again increased my interest rate and applied a penalty to my card because XXXX has been sending my bills to the wrong address. The card belonging to XXXX XXXX had been sent to her address - she did not pay nor did she forward me the bill. The card for XXXX XXXX has been sent to the correct address and has been paid. 

I tried to call XXXX Credit Card department multiple times to fix these problems. If I made contact with a person, I was hung up on for pointing out their inflexibility to assist with my situation in the wake of your own fraud. My call usually got lost within their automated system ; being transferred and looped through, only to be disconnected. 

I am drowning in penalties and interest that has been tacked onto my account through XXXX XXXX purposeful manipulation of the system. This is unacceptable. My personal credit cards have had none of these issues. This is one more way Wells Fargo has falsified information and engaged in illegal business practices to meet their financial goals. There is no ethical consideration for the harm and stress you are inflicting on people and small businesses. 

I am requesting you cut my debt in half and reduce my interest rate for the current bankrate because half of the debt is from the penalties and interest rates you have compounded due to XXXX XXXX illegal manipulations. 

Disgusted Client, XXXX XXXX Cc : Oregon Department of Justice Consumer Financial Protection Bureau Federal Trade Commission XXXX - I received a credit card application from Wells Fargo, after they closed my business account. They are still trying to open accounts to meet their financial goals despite all the illegal activity theyve been caught participating in. Credit card debt is at an all time high - this is XXXX of the major factors.

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 11/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX XXXX, 2016 I contacted XXXX XXXX XXXX to settle an old charge off on account # XXXX that had a balance of {$460.00}. 
I was referred to XXXX that is the company who is in charge of this account even though XXXX XXXX XXXX is the XXXX reporting to my credit files. 
I was able to get a hold of XXXX, and we agreed to settle the account for less than the full amount. I spoke with XXXX XXXX in regards to the account and the agreement was for me to pay 55 % of the balance owed and my payment was going to be for {$250.00}, the confirmation # given is XXXX. This amount was deducted from my bank card and they agreed to show on my credit report a balance of XXXX and a notation that the account has been settled for less than the full balance. On XXXX XXXX, 2016 I pulled a copy of my credit report and it shows that XXXX XXXX XXXX is now showing a balance of {$200.00} for the remaining that was not paid, and is supposed to be the forgiven amount. 
According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes found. 
I thank you in advance for upholding the federal laws as directed by FCRA and address this incorrect information being reported by XXXX XXXX XXXX. 
For a creditor not do this is a violation of the FCRA. 

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 non-monetary relief
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had a student loan with XXXX then and now Navient since XX/XX/XXXX, I am not sure what the original loan balance was but I want to say it was around {$40000.00}, apart from when I was in school and not paying them I have been paying my student loans since XX/XX/XXXX consistently, I have had a few months that I had a forbearance and now I am on an income driven plan which was supposed to help reduce my payment but it seems like around a {$9000.00} decrease in almost 13 years does n't make much sense, going at this rate it would take almost 60 years to pay off a {$40000.00} loan, even a house loan only lasts 30 years, this is insane and part of the problems with student loans and the loan debt, I think it 's funny how now the lawsuits are coming up against Navient and I think I am a prime example of their lies and deceitful business

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Non-federal student loan) with Reliant Capital Solutions, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: All of my Student loans were discharged, not in bankruptcy, but because I had been in and out of XXXX and was completely unable to pay. I am still unable to pay the 1983 debt they are attempting to collect now. It was not a Federal student loan as depicted, but a collection of fees from university of XXXX for things like parking tickets. The debt is decades past statute of limitations. This company keeps trying this with me under different names such as XXXX, trying to get me to make a payment thus obligating myself legally to whatever inflated amount they choose, because it worked once and I 'm still paying them. They are likely doing this to multiple people and need to be investigated. They have changed the name of their business again. I 'm sure if this amount was paid, they would come after me again with yet another moniker to collect under. This debt is both misrepresented as Federal and well beyond statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief