milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other

Complaint: I received a XXXX Cancellation of debt form from Bank of America in the amount of $ XXXX.I filed the XXXX on my taxes and paid taxes on the {$12000.00} amount. All XXXX of my credit bureau have different information reported. 1 : XXXX Reports a {$0.00} balance and {$0.00} past due amount. 2 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. 3 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. These amounts do not add up and are not reported accurately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2015 about Credit card () with SYNCHRONY FINANCIAL (VI).
Issue: Billing disputes

Complaint: I sent a money order of a {$100.00} for payment of a charged balance of {$150.00}. When I received my new stated I saw that the {$100.00} was never credited to my account. I wrote Synchrony Bank/ JC Penney 's They wrote back that the charges were correct. I wrote Synchrony Bank/JC Penney 's back sending them documents showing that the {$100.00} was never credited to my account.I always paid my credit charges in full except for that month, I carried a balance of {$51.00}. I paid the balance I knew I owed, waiting for Synchrony Banck/JC Penney 's to fix the mistakes. They did nothing, but charge me a late fee of {$25.00}. plus {$14.00} charge : I do n't know what for plus {$3.00} interest charges. In the meanwhile, I returned a item, creating a credit {$28.00}. I noted on the documents I sent Synchrony Bank/JC Penney 's, that the previous month 's balance was paid in full. I made no new charges, where are these charges coming from. The documents clearly shows their mistakes. Either Synchrony Bank/JC Penney 's never looked at the documents, they do n't how to do their job or my charge card is being padded. I am XXXX of those customers who pay off their balance in full every month, but that XXXX month. 
I would like the {$100.00} to be credited to my account like it should have been. I want any further charges ... late fees, interest and other miscellaneous charges removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/31/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: but I need to. there refusing to help me get this loan. to get heating unit.for my home because of credit score. 


XXXX XXXX XXXX XXXX XXXX TN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Student loan (Private student loan) with SLM CORPORATION (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I AM A RECENT GRADUATE OF XXXX XXXX UNIVERSITY. I GRADUATED IN XX/XX/XXXX WITH A XXXX XXXX XXXX IN XXXX. I AM MAKING A COMPLAINT AS OF TODAY XX/XX/XXXX BECAUSE IT IS ALMOST IMPOSSIBLE TO PAY BACK. I AM CURRENTLY LOOKING FOR A JOB IN MY CAREER FIELD THAT WILL PAY ENOUGH TO START MAKING PAYMENTS OR AT LEAST GET THEM OUT OF DEFAULT. MY MOTHER AND GRANDMOTHER HAVE FEDERAL LOANS IN THEIR NAMES ON MY BEHALF AND NEITHER ONE OF US ARE ABLE TO PAY THE LOANS BACK. DUE TO UNFORESEEN CIRCUMSTANCES IN REGARDS TO FAMILY AND FINANCIAL HARDSHIPS IT HAS BEEN A BURDEN RATHER THAN A BLESSING. I CAN NOT BEGAN TO HAVE A SUSTAINED LIFE WITH ALL OF THE DEBT FROM SCHOOL AND IT IS STILL BEING ACCRUED. IS THERE A WAY THAT SOMETHING CAN BE DONE TO ELIMINATE ALL OF THESE LOANS CONSIDERING WHAT OUR JOB OCCUPATIONS ARE OR IF SOMETHING CAN BE REARRANGED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hello, my name is XXXX XXXX XXXX. You have listed at, XXXX XXXX XXXX, XXXX, XXXX , Ohio , XXXX. I have never live at this address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I went to freeze my credit with TransUnion, but their website TransUnion.com/XXXX is blatantly advertising their credit monitoring service there, and makes the actual links to get to the page to freeze your credit very hard to find. Specifically, the link is at the very bottom in step 5 under " About credit freeze '' AFTER they suggest a lock by enrolling in their paid subscription service. This is a blatant attempt to financially take advantage of consumers in the wake of the XXXX breach. I did not fall for this trick, and personally need no resolution. However I want to report them for dishonest and unethical behavior in the hopes that they will make their credit freeze page straightforward and not deceptive.

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 10-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied for credit and was told by XXXX XXXX that my credit score was XXXX on XXXX XXXX, 2016 and that is not true, How should Equifax correct this error with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello, I 've been dealing with XXXX XXXX XXXX for the past 6-months. I 've worked with XXXX XXXX XXXX  XXXX XXXX ( a XXXX ) organization for the past three years. I recently found out that they have not been counting my payments towards loan forgiveness over this period. 

I 've been writing them and working with them consistently and finally got a determination that I have qualified for 13-payments. I 've been working for this XXXX for 37-months. I agree that my first year of payments should not count as I was working as an XXXX/XXXX XXXX XXXX fellow and did n't apply my award in a lump sum award. However, the other 25 months I 've worked at my organization should be counted towards forgiveness. 

After my determination, I asked why they did not count the other 12-payments and they simply sent me a chart but did not give me a determination as to how or why they came to this. Similarly they stated in a chart that there were 11-months that they received no payment yet I again have documentation of this. 

Then, they attached a chart which said they did not receive full payments. I have bank records and other documentation showing this is completely false. I truly believe they are lying intentionally. 

They 've said multiple times they 've never received documentation from me but yet I have copies of these things. I would like assistance getting to the bottom of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My company, Nationstar, refuses to process my mortgage check in a timely manner and has only sent my XXXX billing statement, although I have been with this company for 4 months. It took XXXX days from the day that I mailed my check until the day that the company acknowledged that it received my payment. In the XXXX years that I have had a mortgage I have never, ever had a late payment. I had to cancel the check and pay over the phone. The company still has this check, and apparently can re-deposit it after XXXX year.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: Name of Financial Institution against whom I am filing this complaint : Regions Bank, XXXX XXXX XXXX, XXXX XXXX, FL XXXX Names of Regions Bank employees against whom I am filing this complaint : XXXX XXXX, Mortgage Loan Originator, Vice President ( M : XXXX ; W : XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, Regions Mortgage ( W : XXXX, M : XXXX, XXXXXXXXXXXX ) On XXXX XXXX, 2016, I requested XXXX XXXX XXXX refund my credit card the {$420.00} for the Regions appraisal fee that was PREMATURELY ordered by Regions Bank XXXX Prior to the appraisal, XXXX XXXX assured me that the appraisal for a property I was pursuing would not be performed UNTIL the home inspection was performed and any necessary repairs resolved by contract between me and the seller. I also informed XXXX XXXX that I would not be moving forward with Regions Bank for my mortgage financing. 
Nearly ( 6 ) weeks have passed with very little or no communication from XXXX XXXX regarding my request for reimbursement, even though via email XXXX XXXX stated it was being processed and that he would check on the status of my request. Furthermore, ( 2 ) weeks ago I escalated my request to XXXX XXXX 's boss XXXX XXXX, but with no resolution, communication or reimbursement to date. 
Therefore, as a next step to get this matter resolved, and my money reimbursed, I am submitting my complaint to the Consumer Financial Protection Bureau. 
Thank you for your assistance!

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 10/18/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SUNTRUST BANKS, INC. (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: While trying to close a refinance with a mortgage company, I was advised I could not close because there was an outstanding lien against my home that I was trying to refinance. I asked who had the lien and it was Suntrust. I advised the new refinance company that it was paid off on XXXX XXXX, XXXX and I was told I needed to get proof. I went to Suntrust and found that they still had a lien on my property and XXXX years later it still has not been removed. 

Suntrust Account XXXX : XXXX -- - What XXXX bookkeeping since the Suntrust clerk was able to pull the print screen showing the loan paid in full XXXX/XXXX/XXXX. I then had to send a letter to Suntrust requesting the lien be removed -- - I was told that could take up to XXXX days -- - this screwed up my refinance. Some one must answer for this mistake and provide proof that my residence does not have a lien against it. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC 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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I filed a complaint with the credit bureaus because of an account I felt was being reported inaccurately. I had a loan with Bank XXXX. During the time of the loan I was also having some other XXXX and XXXX  issues and filed for bankruptcy. During the time of the bankruptcy I asked that the loan not be included. The lawyers explained to me that the judge would include everything and then the bank and I could go back and re-affirm the loan. I continued to make payments on the loan. I met with the bank XXXX XXXX XXXX and he agreed that we would keep the loan active and re-affirm the loan. Unfamiliar with the process I was told I simply had to keep making the payments and the loan would be reported as up to date and paid. I completed the terms of the loan as agreed and paid off the full amount. The loan is now showing on my credit report as being written off in the bankruptcy. I contacted the bank and asked for them to correct the information in the report. A bank representative did send me a copy of the loan payments to give to the credit bureau and the information on how to dispute it. I submitted the documents along with the dispute to all the credit bureaus. Several weeks later I get a letter from them stating that they " verified '' the information to be accurate as written off in the bankruptcy and it would remain on my report as such. I disputed it a second time with the documents and they still did not change it. I am unsure how they can leave it as a negative on my report when I clearly gave them proof from the bank that it was a positive account that was re-affirmed and should be reported as such. I requested that they simply update the account with the correct payment history and take off the comment of included in bankruptcy because it was not.

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 08/31/2017 about Mortgage (Other type of mortgage) with The J. G. Wentworth Company (VA).
Issue: Struggling to pay mortgage

Complaint: I purchase my home through the XXXX XXXX XXXX XXXX. My mortgage loan is with J.G. Wentworth. Over the past couple of years, I have had an increase in health insurance premiums, prescription medication, real estate taxes, groceries and utilities. In XX/XX/XXXX, I contacted XXXX XXXX a housing counseling agency to see if I could possibly get help in reducing my mortgage payments. I have been working with XXXX XXXX, Housing Counselor. This agency is part of the US Department of Housing and Urban Development ( HUD ). All documents were submitted to J.G. Wentworth through XXXX XXXX XX/XX/XXXX I received a letter in XX/XX/XXXXstating that my request for a Standard Loan Modification was denied because I do not have sufficient income that would allow J.G. Wentworth to offer a modification. My total monthly income is {$2800.00} ( retirement & Social Security ) and my mortgage is $ XXXX monthly. My total expenses are {$3500.00} monthly. Any increase outside of what I have budgeted shortens any funds that I would need for my necessities.
In XX/XX/XXXX, we submitted an appeal and have yet to hear if it has been denied or approved. My housing counselor has spoken to J.G. Wentworth on several occasions and each time she has run into a brick wall. I have also spoken with J.G. Wentworth and keep getting the run around. They will not provide the underwriters information and they denied the modification. I am current on my mortgage payments, but I dont know how long thats going to last. This is why I am trying to get a jump on my financial situation before its too late. I want to stay in my home. I do have the file that was submitted to J.G. Wentworth.
I do hope that we can work together to get a reduced mortgage rate so that I may be able to continue to making my mortgage payments. If additional information is needed I can be contacted via email or @ XXXX. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: CFPB report XXXX was filed on XXXX. I informed transunion that this was submitted by fraud and that they were suppose to have a block on my account. Transunion responded that they could not find the inquiry from one main in their records. attached is from the XXXX website showing that it is still in fact on my report, even after failing to put a lock on the account and stating it was not there. also, please note that there is a ftc id theft report ( # XXXX ) out there showing that this is a fraudulent inquiry that transunion did not prevent from happening as well as inquiry from clarity. rather then fixing these inquiries, the phone rep tried to upsell me into a different credit lock since they had not done theinitial one properly

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 12/29/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Yes, I have an on going issue with FLAGSTAR BANK, for 5+ years. I received a loan modification offer on XXXX/XXXX/XXXX. The paperwork was dated XXXX/XXXX/XXXX [ see attached ] saying first modification payment due date XXXX/XXXX/XXXX. This paperwork was signed and returned on XXXX/XXXX/XXXX. After only a brief time to review offer. Was not given the proper time to review and question the offer. I called Flagstar bank asking why there was an increase in the principle balance [ {$6000.00} ] of my mortgage before and after modification? I was told by a man calling himself " XXXX '' [ refused to give last name or ID # ] maybe the Losses were Capitalized. In the paperwork, I have given you the facts that support SEVERAL Violations against FCRA, TCPA, FDCPA, RESPA, TILA, HAMP rules, knowingly commented by FLAGSTAR BANK. Was not given the month relief when the Modification started. I still receive collection calls on a weekly basis from FLAGSTAR BANK. even after the have acknowledged my cease and desist order to stop calling cell phone and make all communication all in written form. As of this writing, I still have not received a Mortgage Statement except copies followed per letter. I have request several occasion the complete " MORTGAGE HISTORY LEDGER '' for this loan to no avail. As they have prior sent for the XXXX Calendar year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My husband ( who XXXX on X/XX/17 ) had a Discover Card that was unbeknownst to me. A collection agency has contacted me for the balance of the debt. I was not aware of this card and from what I understand on my credit reporting file by the major agencies I am listed as " an authorized user ''. I have never used this card. There are no transactions that have my signature on them. I was not aware of this card until contacted by the collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I wrote a validation and verification letter to XXXX XXXX  as well as to XXXX, XXXX, and Transunion about the account. The account was charged off and XXXX XXXX  sold the account. I informed XXXX XXXX that they were in violation of the arbitration agreement. 

I have attempted to contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to determine the status of my account, and I am not able to receive any details except call back. I am confused as to how the credit bureaus were able to verify and validate the accounts. 

XXXX XXXX has responded that my claim was frivolous ; however, I have not been able to discuss nor recieve

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 04/19/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I am a XXXX in XXXX XXXX. A client came in discussing harassing behavior by a debt collector. I generally make contact and then send a cease and desist letter on the client 's behalf. This person answered the phone improperly - " Law Office '' then he lied to me about the debt, would not provide a fax number, and then called my office back to harass me. Threatening me and my client. ( By the way, he claims to have been collecting on an HSBC debt. ) He reported the following information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone # : XXXX Fax # : XXXX

Company response to consumer: Closed with explanation