milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Mortgage (VA mortgage) with CITIBANK, N.A. (TX).
Issue: Trouble during payment process

Complaint: During a recent transfer of my mortgage from CitiMortgage to XXXX XXXX I received a notice in the mail approximately 60 days prior that stated business would continue as usual and at that time would need to make appropriate measures to insure my mortgage was paid with XXXX XXXX. I established an automatic draft with my credit union to begin on XX/XX/XXXX ( the date the transfer became official ) to be paid to XXXX XXXX. Prior to the allotment to XXXX XXXX, CitiMortgage arranged with a subordinate company to draft biweekly payments from my bank account and continued into XX/XX/XXXX. I called the CitiMortgage biweekly plan manager. The staff member ( XXXX Employee # XXXX ) was not able to assist my request and stated I needed to send a written request to stop the payment. Thus, I asked to speak to a manager. She immediately came back and stated " the account managers were in meeting for the next hour ''. I asked if they could call me back to which XXXX stated " no, they don't have the ability to call back. I stated that I could end up in a perpetual state of call back if I didn't time my call just right. It didn't matter. My ONLY option was to call back. This inaction to stop " hijacking '' of my money should be illegal. It could place a financial burden on homeowners. The option to cancel a payment just as it is started or even the action to sell my mortgage to someone else should all face the same rules. I didn't ask to have my mortgage sold and they should have requested a written approval from me if they are going to continue to ROB my account until I submit a written request to stop it. This entire process of transferring my mortgage has been a fiasco. XXXX XXXX sent the message of action XX/XX/XXXX) after the action was already enabled thus they were behind the power curve to allow me ample time to resolve the issue without additional funds being drained from my account. With the biweekly call I requested to stay on hold until the account manager was available ; after ~15 minutes I was disconnected.

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 10/21/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has let negative information back to my report without given proper procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In  XXXX  f   XXXX  , I filed a dispute request that a bankruptcy that had been included on my credit report be validated and verified with Transunion. I received a notice from both companies saying that the information was had been verified and that it would stay on my report. It also stated that if I had any further questions, that I should call the court for more information. Upon calling the  Federal Court bu ilding in  XXXX , I was told that they do NOT verify or validate information for ANYONE. I called both credit agencies, and was told that they verify through a third party. I then asked for supporting documents, stating that an outside company saying the info was correct was not enough. I was told that they were not required to validate or verify info with the ORIGINAL REPORTER, and that t he third party was enough. I responded that it was not, and that by law they are required to research the dispute with the original reporting agency ( just like they make consumers do ).      I want this item taken off of my report immediately or make be forced to take other avenues for actions, and/or restitution.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal data, and I was listed as a potential victim of their data breach from the security website they set up : www.equifaxsecurity2017.com/ This kind of gross negligence is absolutely staggering, and their response to the breach so far has been poor at best. I am now at a huge risk of identity fraud, and will be for years to come following this incident. 

Equifax waited weeks to inform the public that they could potentially be compromised, all while their executives were allowed to sell millions of dollars of stock. 

I want my data protected, and I want Equifax held accountable. A resolution to this situation needs to be swift and comprehensive.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Application, originator, mortgage broker

Complaint: I began the process of refinancing my home in XXXX. This was my second refinance with Chase so I was relatively familiar with the process. At the time I placed what was supposed to be a refundable XXXX XXXX dollar deposit to secure my rate. 

Contact with my broker has been limited, he often takes a week or two to get back to me. After what was much longer than the initial time-frame indicated, he had an offer that was much different from what it began as. The lenders were apparently heavily scrutinizing my income source and were refusing to recognize the value in shares I own in the company as equity. It being a company started in 1996, with XXXX locations in XXXX states and over XXXX employees, to which I have been able to prove I own over XXXX percent. Both my attorney and accountant have supplied everything the lender requested to substantiate my ownership, but they said it not being a publicly traded company, my shares were not even worth the XXXX XXXX dollars I needed to prove I owned. The XXXX XXXX dollars of annual gross revenue did n't matter to them, nor did the XXXX XXXX dollars in assets which our tax returns correlate. 

At this point I indicated that the only cause for scrutiny was the fact that our business was not mainstream, ( we are a chain of XXXX ) that they were unfairly discriminating against me, and I wanted management involved at this point. I also requested a letter with all of the specific reasons for delay and any adjustments to the offer also being explained and itemized. That was almost two months ago and I have n't received anything other than an initial response that they 'd get right on it. 

I know I 'm being discriminated against, that my company is being unfairly judged despite sufficient documentation, and that Chase is trying to sweep me under the rug. I also know that I have rights in this situation and am looking for assistance defending those rights. If there 's any help your offices could lend me or direction you could steer me, I 'd be deeply appreciative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When borrowing from Navient we were informed that there would be various repayment options, that they would work with us to make sure we can afford payment after graduation. Now that I have graduated and am looking for help with repayment ( specifically lowering my monthly payment ) there is " nothing they can do. '' Each representative we have spoken with is rude and takes no interest in helping their consumer. My cosigner and I were told separate things by separate representatives -- one taking information to help accomplish an income driven payment system and the other informing us there was no option for income-based repayment. When asking to talk with a supervisor, I was denied such privilege and was told there was nothing they could do for me. I have never been treated so poorly and lied to so blatantly by a company. They promised to help with repayment after graduation and when that day comes show absolutely no interest in helping their consumers. They would rather consumers default on their payments than make any sort of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CT).
Issue: Making/receiving payments, sending money

Complaint: Synchrony Bank Credit Card withdrew {$3800.00} dollars from my bank account, rather than {$38.00}, as they were authorized. When I contacted Synchony, I was told they did not make the withdrawal, a third party did, on their behalf and that I would have to call back in 2 to 5 days to get my money back. They also told me they do not have a complaints or compliance department.

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 monetary relief
Consumer complaint received 05/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I had these inquiries posted to my credit report. I can provide emails, text messages and names and numbers for people who are told not to submit my credit to banks and went ahead and done it anyway. 


View Report From : Credit Report Provided by Advertiser Disclosure Items For Review Full Credit Report Past Due ( XXXX ) Sent for Collection ( XXXX ) Missed Payments in History ( XXXX ) Remarks on Accounts ( XXXX ) Multiple Recent Inquiries ( XXXX ) No Recent Activity ( XXXX ) Recent Address Change ( XXXX ) Employers Reported ( XXXX ) OverviewAccountsCredit InquiriesCollectionsPublic Records Back to Full Credit Report View Jump to Next Steps The details displayed here include the origins of each hard inquiry and our calculation of when they should be removed from your credit report. If you 're confused about any of the terms used on this page, read more about the specific data displayed here. 

Sort By : XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 EQUIFAX CONS AFFAI XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX - XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was viewing my credit report and noticed that my XXXX XXXX XXXX  stated credit line closed-grantor request reported by subscriber. I never closed this account in fact I was going to be using it this Spring. I realize when something is reported as closed it does affect your credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (NY).
Issue: Unexpected or other fees

Complaint: I was given  a {$50.00} Netspend debit card as a gift . The card did not indicate that there 's an outrageous {$5.00} monthly maintenance fee! The entire gift was thereby lost. What an awful company!

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 09/25/2017 about Debt collection (Medical debt) with Experian Information Solutions Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This amoun was paid in full

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 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This company continues to report incorrect information on my credit report that was XXXX and it is affecting my ability to obtain new credit. I have attached supporting documents.

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 04/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to XXXX issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Consumer Loan (Installment loan) with ACIMA CREDIT, LLC (PA).
Issue: Managing the loan or lease

Complaint: I am being charged a late fee o f $ 700+ d ollars by a loan servicing company by the name  of ACIMA whi ch was formerly known as   XXXX   XXXX  . I signed legal documents authorizing this company to take out automatic payments every other week of the amount of {$100.00}. However when it was time for the 90 day buyout option for my furniture I was misinformed by a representative and charged a late fee. No where on my contract does it say I was to call this loan servicing company authorizing a final payment I already signed a legal document for.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Credit card protection / Debt protection

Complaint: Twice now in three months I have received a credit card ready for activation in my name that I did not apply for. Synchrony Bank is allowing anyone with a small amount of information to apply and get a credit card sent to my home. Since Synchrony Bank is in both cases the card provider, I suspect they are the real problem. I have read other reports of the same nature involving them. This needs to be stopped.

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 08/20/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was transferred to another company and I was never notified. My mortgage payments were returned to my bank account, during XX/XX/XXXX- XX/XX/XXXX, and now my mortgage payments are in default. A company named XXXX XXXX XXXX XXXX is now threatening me, and stating that my house in going to be foreclosed unless I pay over {$17000.00}. As of today, XX/XX/XXXX, my mortgage payments are still deposited into the original mortgage loan account. XXXX XXXX XXXX XXXX notified me that my payments are being received under the original account number that I have been using for the past 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Medical debt) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I received a call from XXXX ( sp? ) at XXXX XXXX XXXX XXXX last Thursday XX/XX/XXXX regarding a past due balance of {$670.00} with XXXX XXXX on XX/XX/XXXX ( 3  1/2 years ). I have spoken with XXXX ( XXXX ) to try to come up with a resolution regarding this balance with no avail. 
I had not received a bill, a call or any notification to this amount due until now. So its been discussed and determined with XXXX ( XXXX ) on how it came about why the amount due was not paid and the reasons are as follows. 
1. In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX was my current Insurance along with XXXX. 
2. XX/XX/XXXX my insurance switch to XXXX ( XXXX ) and XXXX. 
3. In XX/XX/XXXX is when XXXX XXXX decided to submitted a bill. It went to XXXX ( because billing office asked XXXX who my current insurance was and not who I had in XX/XX/XXXX ) and it was rejected. Then supposedly the billing office sent the bill to me at a previous address that I had moved from in XX/XX/XXXX. My new address on the backside of my drivers license that was not marked down by the XXXX 's. 
4. I never received a phone call even though the phone number on records has always been correct. I could have resolved the matter in XX/XX/XXXX if I had received a phone call. 
5. The outstanding invoice sat in limbo from XX/XX/XXXX to XX/XX/XXXX when a supervisor decided to send to collection agency Merchants Medical for payment. 

The {$670.00} would have been covered by XXXX XXXX and XXXX if your they would have received the bill in time. I am not going to be held responsible for the {$670.00} or this to be on my credit report. I have had 2 conversations with XXXX and 1 email from XXXX XXXX  Director of XXXX XXXX and cc 'd XXXX XXXX, CEO XXXX XXXX to try to have this invoice taken care of and I spoke to XXXX XXXX to get billing information to resubmit. This information was then given to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My insurance premiums are based in part on my credit score. My most recent premium statement showed a drop in my credit score from XXXX to XXXX and a drop in rating from XXXX to XXXX. This results in a higher premium. As instructed, I have contacted my insurance company and XXXX. I was told that they only know what Experian tells them. I was able to get a copy of my credit report. I was not able to submit a dispute, because the information on my report seems to be correct. It does not however, seem to support the reasons for the reduction in my credit score. I am going to contact my agent, and start another lap trying to get information that no one seems to have.

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 09-04-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: XX/XX/2007, I took out a private loan with XXXX XXXX in order to obtain my XXXX degree. At the time of this loan, I was mislead in the amount of penalties and interest rates that I would accrue. A loan that was initially for {$800.00} dollars, soon became a bill of nearly {$3600.00}. Despite the hardships my family endured, we were continually harassed. I worked with the company as well as I could, but most times they were n't even willing to talk to me. I eventually settled and paid the loan off through a collector for {$1500.00}. Only a few months later, I started to receive calls from another collector looking for repayment on the same loan. I called them and called the company I had previously paid. I 've sent letters to show my debt was already paid. Yet every few months ANOTHER creditor calls me attempting to obtain payment for the SAME debt. When I contacted XXXX XXXX to find out if they could fix the problem, I was informed that my loan had been transferred to Navient. Navient has " sold '' my student loan to multiple collectors. Despite the fact I have paid my debt ( XXXX XXXX ), I periodically will receive new collection calls for a loan that has been already paid. I find it ridiculous that I have to track down all the collectors my loan has been sent to in order for the calls and harassment to stop. The company I paid swears that they have informed Navient that my debt is settled and at least XXXX of the collectors told me ( XXXX ) told me they had RECENTLY obtained my debt from Navient. Despite it having been settled since XX/XX/XXXX. Surely there is something that can be done to end the calls. This is ridiculously. First I am misinformed on the amount I have to pay back, then I finally pay back the amount and continue to be harassed. Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAVALRY INVESTMENTS, LLC (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all   XXXX   bureaus ) shows a CAVALRY PORTFOLIO SERVICE account. I never had a cavalry account. there is a memo that states it  may be a   XXXX   XXXX   a ccount which was included in my bankruptcy.  Calvary is rep orting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has cru shed my credit score and needs to removed ASAP. This is double hitting my credit score  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  Calvalry  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.

Company response to consumer: Closed with explanation