milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I called Transunion and notified them of being a victim of their inquiry issue and told the representative that all the inquiries before XXXX where removed but than put back on my report he than proceeded to tell me it was nothing he can do. I wasnt notified or anything about these inquiries being put back on my report and its not right.

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 12-01-2015 about Mortgage (Conventional fixed mortgage) with ASTORIA BANK (NY).
Issue: Settlement process and costs

Complaint: I am refinancing my coop mortgage. 

With a coop the collateral is the stock. My current lender, Astoria Federal, possess the stock. My new lender, XXXX XXXX, has requested the stock from Astoria on XXXX XXXX, 2015. It typically only takes about a week to transfer the stock but as of today ( almost four weeks later ) XXXX has not confirmed if/when they will transfer the stock. 

I have already paid over {$1000.00} for fees relating to this refinance and further delays will add additional cost to me. 

I have contacted XXXX Federal, their mortgage service company ( XXXX ) and the attorney representing Astoria XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and no one has been able to confirm the location of the stock or how to retrieve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened an American Express Business Platinum Card on XX/XX/XXXX. At the time, there was a 50 % bonus on points redeemed for airline travel with my selected airline ( XXXX ). American Express does not have an online or phone system set up to redeem points at that rate, and I have had to spend hours on the phone more than a dozen times over the past year to get that redemption and bonus. In XXXX of XXXX, American Express announced they would be reducing the 50 % bonus to 35 % ( though I never was informed directly, I read online ). American Express then said ( again, not directly, had to read online ) they would grandfather in the 50 % for card members who signed up before XX/XX/XXXX for a  year. I called in during XXXX to inquire whether that 50 % bonus was from the time I opened the card ( XX/XX/XXXX ) or the time of the change from 35 % to 50 %, and I was told it was a year from the announcement ( XXXX of XXXX ). When I called XX/XX/XXXX to redeem the points and request the 50 % bonus, I was told it was grandfathered in from the open date of the card ( XX/XX/XXXX ) for a year ( so until XX/XX/XXXX ) and they would not honor the 50 % redemption.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently in foreclosure with my loan for my mortgage.with Wells Fargo bank. I am going through a divorce due to XXXX. I have been trying to re-modify my loan for the past couple of months. I have been given the run around so much I feel that wells fargo re entry department is just stalling to get to the sale date. I have supplied the documents over and over again and they keep saying we do n't have this we do n't have that. I am working with a XXXX specialist that is submitting the documents herself and knows that wells have them after I call them a few times they tell me oh we have found the documents they were in another place. My lively hoods depends on this modification. I was denied due to unaffordability. and thy told me in order to resubmit I needed to have a change in my current situation. My mother has moved in with me to help me and and is assisting with her income and they are still giving me the runaround and telling me that they still have to verify that I am eligible for reentry. I have done all that they have wanted several times over and they are still not doing as they have said. I just want to be treated fairly. and given a fair opportunity in this process.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. Equifax is reporting a account from a collection agency that I originally disputed with all three agencies, XXXX and XXXX removed these accounts but Equifax is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, Equifax is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Cedars Business Services, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Cedar Financial claims that I, XXXX XXXX, owe them {$430.00} ( recently reduced from {$970.00} ) in alleged traffic violations that supposedly occurred in XX/XX/XXXX in XXXX, XXXX. 

I did not receive any notification of these infractions unlit Cedar Financial reached out to me in XX/XX/XXXX. More than XXXX years after the alleged infractions. 

My concern is that I had no opportunity for due processes in any XXXX legal system before being found guilty. I do not believe that Cedar Financial has any legal grounds to collect these alleged fines. 

Allowing private XXXX debt collection firms to collect debt on behalf of notably less than perfect foreign governments, without due possess that is guaranteed me under the 14th Amendment and that is also guaranteed all those traveling to the XXXX under the XXXX XXXX XXXX XXXX XXXX, Article XXXX, is setting a dangerous precedent. 

I was advised make you aware of this occurrence and will also be seeking advice from the XXXX office. 

Cedar Financial did provide some documentation and the name of a Compliance Manager, XXXX XXXX. Her telephone number is XXXX. 

I support this claim with the attached documents. 

Files # 's XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing disputes

Complaint: I had a XXXX XXXX card, rarely used it, and wanted to cancel it. There was a charge of {$9.00} on the card, with no identifying information, so I assumed it was a monthly charge by Barclay 's ( XXXX ). I paid it for a couple of months, and finally called to cancel my card ( tore it up ). I thought that was the end of it. Since my call, I have continued to be billed for {$9.00}, plus interest, plus a {$35.00} Late Payment Fee EVERY MONTH SINCE XXXX 2015. I have spoken to numerous reps and reported it as fraud since I had no idea what the charge was, after confirming with the reps that it was not a XXXX charge. However, they did not give me any info on who was charging my card every month, and they told that even after closing an account, they still allow businesses to charge a person 's account. This is an outrageous and the fact that I have had to spend hours of my time while working full-time, not ever knowing who the vendor is charging me {$9.00} every month months after my closing this account is an unfair, unethical business practice on XXXX 's part. It must stop. I am now writing to the company ( on a Sunday when I should be relaxing, going to church, visiting family, and getting to work the next day ). The fraud department at XXXX has never contacted me about the results of its investigation at all. I have only spoken ( at 3x ) to customer reps and to the fraud department upon my initiation, not theirs. 

I need to be credited all the charges from the moment I called to cancel my card ( XX/XX/XXXX or XXXX 2015 ), and my credit worthiness should not be impacted by this charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: My first issue revolves around the threats and abusive language from a customer service agent when I called Freedom mortgage on XXXX-17 while in bankruptcy. I was concerned about making a payment as nobody was able to talk to me to give me my payment options. When I expressed my concern and fear the rep told me these were the consequences for filing bankruptcy. I was utterly appalled by this response as if my financial hardship was a personal choice. When I filed a complaint I receive a generic response that they could not respond to me because I was in bankruptcy. Again I was extremely disappointed in the mortgage company. 

Although nobody would talk to me I continued to call and advise I was occupying the property and my intent was to keep the property and my intent was to bring the loan current. 

Fast forward to today! I have over {$100.00} in propert inspection fees from the mortgage company. Being as I work for a mortgage service, I understand that when loans fall delinquent and there is no communication with the borrower, visual inspections are required. What i dont understand is why my loan required an inspection when I was unable to obtain payment instructions and I stated on several occasions i occupy the property and i intend to bring the account current. This should be illegal. This is causing an unnecessary financial burden on me even though The mortgage company is well aware that i occupy the property. I would never recommend Freedom Mortgage to anyone. This company has been a nightmare since service transfer.

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 12/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with Applied Data Finance, LLC (IL).
Issue: Getting the loan

Complaint: This loan was applied for without my knowledge. I waa hospitalized over a month and returned home to harrassing phone calls and emails. I have tried to talk to there fraud department and no one wants to help. My signature is not on any contract, my paystubs are easily accessible since I work for a XXXX XXXX I am a victim of identity theft and have closed any checking account that this company had access to. I have reported this to the police and the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Mortgage debt) with SUNTRUST BANKS, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/XXXX myself and my ex-wife took out a home equity loan at Suntrust Mortgage. This was a part of our purchase transaction on our at the time primary residence. This was a joint loan with myself and her. I was first borrower on the home equity loan. We got divorced in XX/XX/XXXX. Per our divorce decree she would keep the house and make all payments. Earlier this year XX/XX/XXXX, I had applied for credit to find out that the loan had be charged off by Suntrust Mortgage. I contacted Suntrust and they will not help me. I did not receive one phone call or one notice about the loan being late. I would have happily made the payment as it was only {$84.00} per month. I have had the same phone number for 20 years which they have on file and they also had my correct mailing address. It seems like with me being on this loan I should have received some type of notification about payments being late.So now my perfect credit has been ruined at no fault to my own and I can not get any help from Suntrust Mortgage. Any assistance that can be provided would be greatly appreciated as having a charged off mortgage loan on your credit report is a major thing and will effect me ever being able to buy a new home again.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (AZ).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I tried to have myself added to my wife 's checking account at XXXX XXXX on XX/XX/XXXX. The informaiton from Experian is that they could not validate my dentity, and caused the addition to be canceled. We made several calls to Experian, the 1st rep said this was because someone tried to enter my Social Security too many times and caused it to block, but could not give any additional information. Called, back and was told that there were no blocks and that we would have to file a dispute with a hard copy of my credit. ( I have a copy, and there is no reason for chase to not be able to open the account ) I called again, and asked for a manager, and the rep was nasty, ( XXXX ) and after 30 minutes on hold, hung up on me, because I insisted that a Manager call me back if not available. 

I had an issue in the past with Experian mixing my credit information with another person, and had to have that resolved. There are also notices on there website regarding my information for my email being compromised, but the reps spoken with have no indication of that. 

The bottom line is that there is some issue with my SS # with Experian, they do not know and can not fix it, and I am unable to change banks because of this. I am am homeowner, and just purchased a new car in XXXX of XXXX, and should not have this issue.

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 05/27/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Everyday I get numerous phone calls from Navient to collect on my loan. It normally begins at XXXX, sometimes as early as XXXX, and sometimes they like to wait a little after XXXX and right before XXXX. It 's a daily occurrence, they also call me during work, which I have stated to them before is not allowed according to the rules of the company I work for. Yet they continue to do so, using many different phone numbers from all over the country. I refuse to pay my loans when they refuse to show me respect and wake me up hours before I need to.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Managing the loan or lease

Complaint: On XX/XX/2016 my car was repossessed by a private repossession company which was ordered by KIA Motors due to missing payments. I called in KIA Finance on XX/XX/2016 and made a full payment request of {$1300.00} which was charged to VISA card ending XXXX. The amount included the Repossession Fee of {$370.00} for Towing the car. 

On XX/XX/2016 I went to the location where my car was towed to pick it up. Since I was already told by KIA that the amount I paid them included the {$370.00} for the towing fee and they had updated the towing service company, I went ahead to pick up my car. Upon arrival I was told by the towing company 's clerk that they had not received payment from KIA and they never receive payments unless by the person actually picking up the car. They said I was unable to pick up my car unless I paid. I went ahead and called KIA, they told me I can go ahead and pay and they would refund me the {$370.00} for towing fee. I paid the clerk at the towing location and took my car home. 

For the following days I waited to see a refund from KIA and I never received a call from them. On XX/XX/XXXX my account was up to date with {$0.00} balance. 
On XX/XX/2016 I received my invoice with my monthly car lease payment and in addition a {$370.00} that reflect as Miscellaneous Charges. I called KIA FINANCE to see what was going on because I was n't refunded, credited and on top of that they had added another {$370.00} ( I do n't know for what ). I immediately got on the phone with KIA Finance and was told they would remove the charge because it was a mistake and they would refund me the {$370.00} previously charged. The following month my statement arrived with the {$370.00} now added to my monthly lease. 

Bottom line I paid money to KIA which never reflected on my account. I paid {$1300.00} and not a single invoice displays them crediting my account for that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I had a good-standing account with XXXX XXXX ( telecommunications company ) and was trying to transfer service to a new address after moving. They inadvertently canceled my service and closed my account. When I called to find out the status of the transfer service request they informed me of the mistake they had been made and explained that the only way to have service again was to create a new account. In doing so, they ran a credit check resulting in a hard inquiry on my credit which I did not authorize. This was not at all explained to me during the process of creating the new account. When I found out about the credit inquiry, I contacted both XXXX and also Equifax. Both attempts to resolve this and have it removed from my credit report were unsuccessful. Equifax even went into detail stating that any company that is given your SSN and information can run a credit check without your authorization, there is nothing you can do about it, and disputing it will not result in it being removed from your credit check. This is preposterous. I did not want this credit inquiry and I would not have allowed a new account to be created if they had explained to me what they had planned to do. There is no reason a credit inquiry should have been done on an existing costumer that already had a good-standing account. This was the second inquiry on my account in the past two years done for the same service. One by XXXX and now another after XXXX sold their company to XXXX. When I contacted Equifax on XX/XX/XXXX to initiate the dispute, they completed the investigation on the same day which proves they did not actually investigate the issue and generated an automatic response. When I tried to add a statement to the investigation result as explain in the report from Equifax, the website link they provide does not provide anywhere to include a response to your file. I have exhausted all available resources. I want a full investigation into this and want it removed from my credit report. I did not authorize a credit inquiry and was not provided with notification a credit inquiry would be done.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have had difficulty receiving my free annual credit report from experian. At the last step it directs me to mail them information. This is inconvenient.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2016 about Debt collection (Medical) with NAM National Arbitration and Mediation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: a person from a company called ADR called and said they were trying to collect a debt on behalf of health management associates in the amount of XXXX. I said I didn t have a problem paying this but I wanted more information because I did n't know if they were scamming me. they I asked for the name of the original debt he said he did n't have that info and it was against the hippa law to give that info out. he said I was sent several notices and I said they were sending them to the wrong address and would they send me something to the correct address and he said no if I did n't pay this today they would be moving forward and sueing me for the full amount of over XXXX so I used my cc card and paid them. I asked him to tell me what doctor or hospital this was for he said he did n't have this information. I called them back and tried to get the name of the company and the woman hung up on me. I think I got scammed and I 'm in the process of disputing the charge.

Company response to consumer: Untimely response
Consumer complaint received 12-04-2015 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home equity line of credit with Capital One bank. The date the draw period ended was XXXX XXXX 2015. If I wanted to make any changes I had to do so before that date. I called on XXXX XXXX, requesting a fixed rate option. I was transferred to XXXX different people, including refinancing. I did not want to refinance. I wanted a fixed rate option and was told I would be sent paperwork. Nothing came. I called again on XXXX XXXX requesting a fixed rate option. I was told a percentage rate could not be told to me over the phone and that a proposal would go out to me in the mail.I specifically asked the agent that even though the proposal would arrive AFTER my deadline of XXXX XXXX, would I still be eligible since I made the request before the deadline. She said Yes. I received a letter dated XXXX XXXX saying I do not qualify for a fixed option because my draw period has already ended. I called Capital One to tell them I did in fact request a fixed rate option before the deadline. The agent told me that there was some kind of time frame that I had to request before the deadline. This is not the case..I have a letter stating I can make a change up until XXXX on XXXX XXXX. I asked her where in the " Terms and Conditions '' this is listed. She transferred me to someone else who says again I am not eligible. The calls are recorded. I asked that the call be pulled and listened to because I was told I was eligible. Now they are denying that is the case.

Company response to consumer: Closed with explanation