milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX 2017, I revieved a call from an unfamilliar local Area Code & therefore did n't answer. After XXXX the phone # to no avail, I XXXX & called it back & found out it was ( also ) Transworld Systems Inc . They had already called before on ( XXXX ) XXXX so was this a tactic of Deception by the appearance of calling from a local #, just to catch the person off guard & get them to answer?? I did some research & found out that Transworld has NO Missouri offices & also that this is a Landline based in XXXX XXXX ( city ) MO ( just like I am ) & the # is provided by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ). Is this a normal practice for any kind of reputable business?? Transworld Systems has already been in big trouble with the FTC assessing record fines. Apparantly they were not enough to make the company conduct an ethical & fair business.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Medical) with JH Portfolio Debt Equities, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collector states that a bill is due from the physician. According to the physicians billing group, no bill is pending nor did they send one to collection company. The credit people calling do not have my correct address, and are asking for payment by credit card over the phone. They have not provided any information as to who the exact person/company the debt is owed to. I believe this to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: About a month ago, I contacted the company who holds my mortgage. I bought my house 2.5 years ago and inquired about removing the PMI insurance to bring my payment down. As instructed by them, I made an official inquiry in writing as to what my house would have to appraise for in order to have the insurance removed. After a few weeks I was told it had to appraise for {$250000.00}, but that I would have to pay for the appraisal. I was also told that they normally dont remove the PMI on a loan that is less than 5 years old unless home improvements have been done. I have put around {$20000.00} into the home since I bought it and I informed them of this. That is how they came up with the {$250000.00} figure. I asked again how much did we need to remove the ins. They again said $ XXXX. I told them to have an appraiser contact me. The appraisal was going to be around {$500.00}. An appraiser contacted me in a week and we scheduled the appraisal to be done a week after that. Happily, I found out the house appraised for $ XXXX. Two weeks later, Ditech contacted me and told me the house didnt appraise out for enough for them to remove the PMI. I told them what I had been told and I also told them that is why I ordered the appraisal. My realtor had already done the comparisons and I knew approx how much the house would appraise for. They said they saw in my file where I had been mistakenly told that we needed an appraisal of $ XXXX and they apologized for the mistake, but said they could not change the federal guidelines. I asked them if they were going to take responsibility for their mistake and pay for my appraisal. They said no. I asked to speak with a supervisor. She more or less told me the same. Said they would not cover the appraisal cost. I feel duped and stupid for believing their lies. I feel cheated. And mostly I am out {$500.00} for absolutely nothing. I am beyond livid. I am a single Mom who works very hard for my money and losing {$500.00} is a very big deal to me. 
Also ... several months ago I tried to apply some extra money to my principal. They informed me that they were unable to do this and that if I paid extra that it would be held and then applied to future payments. I would never have chosen this company for my loan, however about 6 months after buying my house I was informed that they were selling my loan to Ditech. I am mad and frustrated that these big corporations can pretty much do anything they want. Lie, cheat, take your money, and then take no responsibility for any of it. I dont know what to do now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: All XXXX credit reporting agencies continue to report our Loan Balance with XXXX incorrectly. This balance should be less than {$900000.00} now. But these agencies have reported a loan balance of XXXX XXXX dollars despite the fact that the loan was modified in 2010 and the balance was set to {$920000.00}. I am attaching the Mortgage Note that was fully executed and records as proof. Our attorney from XXXX has contacted XXXX and they can NOT produce ANY evidence to the contrary. 
The previous servicer, XXXX settled with Consumer Federal Protection Bureau ( CFPB ) for $ XXXX for violating serving and loan modifications laws. XXXX is refusing to cooperate with us and are simply referring us to XXXX when we asked them to provide proof that we owe the deferred balance. We have also filed a complaint with the CFPB. 

We are unable to hire an attorney since we have no funds and the balance reduction will ONLY be on paper, so there is no proceeds where any attorney could collect. We would like your help to engage the credit agencies to correct the reporting. They have been violating credit reporting and debt collections laws since 2010.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BB&T CORPORATION (FL).
Issue: Struggling to pay mortgage

Complaint: I got a line of credit through XXXX XXXX 10 years ago. I never missed a payment nor has it ever been difficult to make a payment. The new bank BB & T is demanding the full loan amount paid in full which I do n't have at this time. I 've made numerous attempts to try to refinance, restructure, or get a loan modification. The bank has made little to no effort to help me resolve this situation. As quick as they were to give the loan they should be as quick to help me resolve this. I do n't want to lose my house and will do what ever it takes to keep it.

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 10/24/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MI).
Issue: Fraud or scam

Complaint: Hello I 'm a current card holder of a rush card, as I 'm sure you know they have been having issues. I have money missing in the amount of {$480.00}. I tried to contact them but am now being told my account does not exist even though I can access it online? I 'm not sure what the next step is to resolve this & get my money back. I do have documents to prove this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Other

Complaint: American Express declined my new application due to prior card cancellation of over 16 years ago. I went thru a personal bankruptcy in 2000 in which my Gold AmEx card was included. I was never late on the card prior to that event for 18 years. American Express will not look at current financial situation in order to approve a new account. I believe they are violating the Federal Equal Credit Opportunity Act by using the cancelled account excuse from 16 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Wanted to remove inquiries from 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 12/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I called to sign up for the rate reduction plan again. I was made to believe that it was complete and would be reflected in my next statement ( {$420.00} ). I was then charged without being notified, twice for my loans ( {$820.00} ). When I called to get the problem resolved, they said it would take 10-20 days for a refund and needed a bank statement to show that they bounced my checking account. I called 3 separate times with all completely different answers about how to result the issue. My loans are still not refunded. Then when checking my account today XX/XX/17, I saw that only three of my loans were qualified under the new rate reduction plan ( {$420.00} ), which have always covered all four of mine, and a new charge had been added for the forth ( {$180.00} ). All the interest rate tripled since this month ( 8 %, 10 % ), and I have no been able to get anyone on the phone to remedy this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS IS MY 3RD DISPUTE TO  XXXX  AND EXPERIAN IN REFRENCE TO THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I HAVE MAILED CERTIFIED LETTERS TO EVERY CREDITOR MENTIONED AND NO RESULTS. I AM REQUESTING THAT THESE FRAUDULENTS INQUIRIES BE REMOVED SOME WERE MADE 2 AND 3 DAYS IN A ROW WHICH DOESNT MAKE SENSE THAT I WOULD REQUEST MY CREDIT TO BE PULLED BACK TO BACK. I CONTACTED THE LOCAL CITY POLICE DEPARTMENT AND I HAVE FILED A POLICE REPORT THIS IS FRAUD AND UNAUTHORIZED. THERE ARE OVER   XXXX   INQUIRIES THAT I DID NOT AUTHORIZE AND I HAVE SPENT OVER 60.00 SENDING OUT XERTIFIED LETTERS TO EACH CREDITOR WHICH I SENT COPIES TO EACH CREDIT BUREAU SHOWING I DID MY PART. AT THIS TIME I AM ASKING THAT THE FOLLOWING INQURIES BE REMOVED FROM MY CREDIT FILE THAT I DID NOT AUTHORIZE. EACH CREDIT BUREAU HAS A COPY OF MY FORMAL POLICE REPORTS FROM IDENTITY THEFT. MOST OF THE INQUIRIES WERE FOR ONLINE AUTO LOANS. PLEASE REMOVE FROM CREDIT FILE

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 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: My wife and I have a joint Fifth Third MasterCard. My wife 's card was stolen on X/XX/2017 and was reported to Fifth Third Bank that day. I was told that our account was deactivated and cancelled and that new credit cards with new account number would be sent to us. Yesterday, X/XX/2017 the new cards arrived in the mail. They were new cards with the same account number as the one that was stolen and supposed to be cancelled. I called 5/3 and talked to XXXX. He said someone must have made a mistake and that he would send us new cards with new account number.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a car-loan with   XXXX    XXXX   XXXX  that was in delinquent status when it was paid off in  XXXX   2014  by my insuranc e carrier,   XXXX   XXXX . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: VERY SIMPLE IN REGARDS TO MY OTHER COMPLAINTS AGAINST EQUIFAX NOW XXXX AND XXXX  ALL BC OF EQUIFAX. PLEASE REMOVE ANY SECURITY FREEZES AND FRAUD ALERTS FROM MY ACCOUNT I DID NOT ASK FOR THEM TO PLACED ONT HERE THIS IS MY 18TH TIME REQUESTING THIS. I APPLIED FOR A BUSINESS ACCOUNT WITH A CERTAIN COMPANY AND IT REJECTED IT BC IT SAID XXXX HAS PLACED A FRAUD ALERT ON MY ACCOUNT. REMOVE ALL FRAUD ALERTS AND SECURITY FREEZES FROM ALL 3 BUREAUS HOW HARD IS THIS TO DO. REMOVE THE FRAUD ALERTS AND OR SECURITY FREEZES FROM MY ACCOUNTS ITS AFFECTING MY ABILITY TO APPLY FOR CREDIT. I NEVER ASKED FOR THEM TO BE PLACED ON THERE FROM THE GET GO. REMOVE FROM XXXX, EQUIFAX AND XXXX AND I 'D LIKE AN UPDATED COPY OF THE REPORT STATING IT WAS REMOVED. GEEEEEEEEEEEEEEEEEEEEEEEEESHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2015 about Debt collection (Auto) with CCS Financial Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had an online and Phone Quote from some Agent who worked for XXXX They Gave a quote where I had to pay XXXX $ for just one single month for my automobile insurance. I agreed and paid the payments for XXXX $ for XXXX months from XXXX to XXXX. The company called me back and Cancelled my car Insurance after the XXXX month Period and said I had to pay them additional {$710.00} as my insurance quote increased. I never agreed for this higher quote and they reported this record as collections. This is a strategy used XXXX to rip off the customers. I had some speeding violation with no XXXX ever in my record. I never agreed for a quote where i had to pay more than XXXX $ a month. I agreed for XXXX and paid the months I had insurance with them. Now they have reported me to credit collections and it is impacting my score and APR 's very badly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After numerous attempts to resolve inaccurate information being reporting by Synchrony Bank/XXXX XXXX they retaliated by reporting more derogatory information to the credit bureaus. I had a city furniture account I paid off on XXXX 2012 and I asked the customer service to close the account. Instead, they reported that my account was charged off and continued to report charge off till XXXX 2012. They acted in bad faith and this is a false and criminal reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account was paid and closed, but still remains on all three major reporting bureaus. Even after I requested for the removal of these items, they still remain and are damaging to my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I owed Champion Mortgage {$910.00} for forced flood insurance. XXXX/XXXX/16 was told I owed {$1600.00} for taxes and insurance. I had paid taxes XXXX/XXXX/16 for {$760.00} and sent receipt of paid taxes. I sent a Official check for {$910.00} on XXXX/XXXX/16, which is the balance of what they say I owed minus the taxes. Copy of check attached. The loan details show receipt of Official check on XXXX/XXXX/16. Also attached are XXXX letters, the first dated XXXX/XXXX/16 stating we owed {$980.00} and have until XXXX/XXXX/16 to make current. And the second letter one day later,XX/XX/2016 stating we owed the {$1600.00} and had until XXXX/XXXX/16 to pay. ( this amount is the insurance and taxes they claim they paid I have the paid receipt and they will not produce theirs. ) On XXXX loan notes show " Advised client to return official check for {$910.00} because it was not the full amount. The loan notes show that on XXXX/XXXX/16 file was sent to Lawyers XXXX XXXX XXXX for Foreclosure Processing. The XXXX letters attached prove I had until XXXX to pay which I did XXXX XXXX. I was not in default when they started the Foreclosure. They refuse to produce their receipt for the taxes they state they paid. Second complaint -- after seeing I was n't going to go away, I purchased {$120000.00} in flood insurance XXXX/XXXX/16 as the new requirement. Immediately after receiving the new coverage they first told me I needed they sent a GAP letter stating I needed {$250000.00}. This GAP in coverage is what started this Foreclosure process. See attached letter. The condo association covers {$120000.00} on each unit and I have my personal for {$120000.00}. The condo is not even close to being worth XXXX I have no idea where they came up with that figure. I believe it is a ploy to continue harassing an XXXX woman in hopes they can keep throwing hoops to jump threw and I 'll get tired.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We have been trying to do a short sale on our home for quite awhile now. Originally the short sale was countered by XXXX XXXX XXXX with no requests for contribution and the Investor previously did not asked for a promissory note. The loan servicing was transferred to Seterus and now the Servicer is asking for a promissory note for an additional XXXX which supersede the amount owed on the First Mortgage. The purchase price is XXXX, the balance owed on the First mortgage is XXXX plus late fees and attorney fees. The Servicer/lender has not paid the property 2014 taxes which they are obligated to do as per their servicing agreement and they also refused to pay the FULL back HOA dues. This request for a promissory note seems to be a common thing from Seterus on short sales. Please review their prior closed short sale files for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint is against XXXX and XXXX for not removing bad information from my credit file. On or around XX/XX/XXXX, a cell phone account was opened at XXXX XXXX. I do not have a XXXX phone and have never had anything to do with this company. I was told by XXXX that this account was sold to a collection agency ( XXXX ) in which I found out is on my credit report with XXXX and XXXX. I filed a dispute with XXXX and XXXX and received info that this particular account belongs to me. First of all I found out thru XXXX that this account is under a different name with my ssa #. Secondly, XXXX deleted after I disputed in XX/XX/XXXX but intern added it back into my credit file in XX/XX/XXXX. I refiled the dispute with both XXXX and XXXX. How can you file a complaint one day and a day later, both credit bureau have the investigation complete and you receive their results within a few days in the mail. I honestly feel like both XXXX and XXXX should be shut down for inaccuracies. Everyone that works their has bad English and very rude. I feel if they do n't get some kind of training on how to handle disputes and keep records accurate, they should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I switched cell phone carriers from XXXX to XXXX. XXXX promised to pay off my XXXX cell phone bill, but they never paid the remaining amount, leaving an {$1100.00} balance on my credit file. I paid it down to {$200.00} because XXXX said they would delete it from my credit file, but they never did. Not only was I not responsible for the full amount, I paid it and still it remains on my credit. XXXX said they sent a XXXX XXXX with the balance but it got lost, and they said there is no way they will re send it. I was scammed.

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