milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (OH).
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: Capital one is reporting that my Auto Loan for a XXXX XXXX XXXX  was late in the months of XXXX, XXXX, and XXXX of 2017. I have disputed this multiple times and this inaccurate information still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with DISCOVER BANK (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: ALERTS & HISTORY DISCOVER BANK obtained a copy of my XXXX Credit Report. 
Alert Date:XXXX2017 Source : XXXX Company : Discover Bank Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX phone number : no Phone number prone number ..DISCOVER BANK is in violation under the federal and state law, have NOT allowed discover bank to go into my credit report as a result of a loan or credit application. 
ILLEGALLY OBTAINED A COPIE OF MY XXXX  CREDIT REPORT. 
I have not givin Discover Bank permission nor i have not put in an application for any loans. im on XXXX .XXXX XXXX XXXXXXXX. this is my 3rd or 4th times this is and has happened ..intent to commit fraud to get my pvt.information that causes Idenity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: X/XX/17 I went to a car dealership to try and purchase a vehicle. After viewing my score on XXXX XXXX. The dealership pulled my Transunion score and it was 100 points different. Needless to say they declined me. I ordered my report direct from Transunion and it read XXXX different from the dealership XXXX. I then called Transunion and spoke to 2 customer service representatives and a manager who all said the dealership was pulling a different scoring model. And they had no control over that. I asked the dealership which model they pulled. Fico is what they pulled and Transunion said I was getting XXXX on a XXXX. I called Transunion back to ask how do I see my Fico report to make sure the information was mine and understand why my score is so low. Transunion representative said they only have the XXXX report. I can not believe I have no way of challenging this erroneous low score. This is dispare treatment.

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 04/27/2017 about Mortgage (Conventional home mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (TX).
Issue: Closing on a mortgage

Complaint: I am closing on a  XXXX  home in  XXXX , TX with the builder 's approved lender, Prime Lending as the lender.      XXXX   XXXX   17 : I  locked my rate for 60 days.     Given the following closing dates by the builder  XX/XX/XXXX       ( Verbal ),   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . Received an initial closing disclosure for  XX/XX/XXXX .      XXXX    XXXX    17 : M y rate lock expired because the builder still could not complete the home. Was told by the loan  Officer,  that I would have to pay a  1/4 penalty f or the lock expiring and lock at worst case rates. Was told new rate would last till  XXXX   XXXX   17.      Eventually told interest rate would be 4.375  % ( o riginal rate ) even though prevailing rates were 3.875 % - 4.000 %. Provided proof of a loan estimate from another lender at 3.875 % but they would not move on the rate. Also, my float down option went away completely. They eventually offered to pay for the rate lock expiration penalty, and {$880.00}.     Given new closing dates of  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  Asked for a new disclosure several times, including via email on  XX/XX/XXXX  ,  XX/XX/XXXX , and  XX/XX/XXXX .       XXXX   XXXX   17 : Re altor asked for the builder 's representative,  XXXX   XXXX , for closing to be moved to  XX/XX/XXXX  or  XX/XX/XXXX  She refused and there are additional issues with home as well. In fact we will be unable to see our {$16000.00} wood floors until 2 days after closing (  XX/XX/XXXX  ) because they are being finished on the day of closing and dry fo r 24 ho urs. When asking to move the closing she also told me I would start accruing a {$200.00} a day penalty starting on  XX/XX/XXXX .     As of  XXXX    XXXX   on  XX/XX/XXXX I have not received the disclosure and my closing is tomorrow,  XX/XX/XXXX at  XXXX    XXXX   at a location  XXXX  miles from my current home.     I have consulted with the realtor and he recommended to file a complaint. It is both his and my understanding that when a rate lock expires, a new disclosure document is required and the 3-day window applies.     I have attached the last closing disclosure that I received.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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 have been trying to work with customer service on multiple occasions to get validation of inquires that have been placed on my report. I have also attempted to contact some of the companies that are listed on my report as inquires but have had no success. The customer service reps have been unhelpful in assisting me in removing duplicate old outdated and inaccurate inquires and constantly transferring me to multiple representatives resulting in no correction. Please validate the inquires listed on my credit report or remove them within 30 days as some sure have been added in error or without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Payday loan) with High Point Asset Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I keep getting threatening calls, call back or else

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Trouble during payment process

Complaint: Property was purchased in XX/XX/XXXX for {$230000.00}. Assessment value of {$230000.00} at time of purchase. Loan was for a 30-year fixed at 95 %. Accelerated payments were made to the loan to achieve over 20 % accelerated equity in just over 1 year. 

The loan states it will remove the monthly PMI on XX/XX/XXXX unless the " the principal balance actually reaches 80 % of the original value of the property '' and four conditions are satisfied : I feel the bank and I agree that first 3 points are met, the four data point : " we receive, if requested and at your expense, evidence satisfactory to the holder of your loan that the value of the property has not declined below its original value, and certification that there are no subordinate liens on the property. '' I kept asking why is the bank requesting a BPO or assessment and they have not been able to respond to this question after multiple requests. The bank responded with it is required per the contract. However, it is not required, it is " if requested '' It has only been about a year. Why is it requested? The XXXX XXXX market is increasing as a whole and multiple documented sources provided. 

After 6 unsuccessful emails back and forth where the bank providing the exact same document I provided on my initial request to them. ( I kept asking " why '' is it being requested when it has only been a year ) I conceded and agreed to paying {$100.00} to {$300.00} ( the bank states its somewhere in that range ) for a BPO assessment. 

The result of the BPO stated the house decreased in value from $ XXXX to $ XXXX. The BPO failed to use the same floor plan that sold on the same street for $ XXXX and has a smaller yard, only 2 car garage instead of 3, and less upgrades inside. Also, there is a similar house that just sold two doors down for $ XXXX with a slightly larger lot but significant electrical issues. 

Please assist with removing the PMI. We need our loan balance needs to be below {$180000.00} and the current balance is at {$180000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I properly requested via XXXX ( attached ) the method of verification Experian used to verify a disputed tradeline on my report. Not only did Experian not share information pertaining to my disputed tradeline as required by FCRA 611 ( a ) ( 6 ) ( b ) ( iii ) but they did not include the business name, address, or telephone number of any furnisher of information contacted in connection with such information. Without this information, there is nothing for me to be able to use to verify this invalid tradeline.

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 11/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been enrolled in a interest rate reduction program for two years which i diligently renew every year. In XXXX 2017, I received an email from Navient to submit documentation to renew in which i did. I get a statement in XXXX indicating that not only has my payment amount increased from {$120.00} to {$250.00}, but also the due date his changed from the XX/XX/XXXX to the XX/XX/XXXX. I was informed that I owed the difference even though i submitted the requested documentation and set up auto debit for the payment. Navient claims that in addition to requested documentation submitted, that i was to personally contact them which was never indicated. Navient is practicing predatory lending and ensuring policies/practices for borrowers to default on their loans. I just want the reasonable and affordable rate that i was paying before.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Payday loan) with Integrated Recovery Services (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They will not stop calling my job ; the office where I work and leaving threatening messages. I called them & told them I can not receive calls at work- he said he was not going to remove my work number from the record and they were going to come serve legal papers at my job. I advised that is against CA XXXX XXXX ; he laughed & said " have your attorney call ''

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called Experian an told them There are in incorrect inquiries on my credit report And that it need to be taken off my report an they said it can't be fix Incorrect inquiries listed XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXrXX/XX/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 explanation
Consumer complaint received 12-10-2017 about Checking or savings account (Savings account) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I recently opened a Premier High Yield Savings Account with CIT Bank. I received an email on XX/XX/XXXX that account had been funded. I received my first statement with CIT Bank and the total amount of funds sent to open account was short by $ XXXX. I tried logging in to my account ( I had logged in previously, shortly after account was funded ) and I believe the correct amount was shown in account. When I went to log in today, XX/XX/XXXX, I received message to call customer service. I did so. Customer Service told me I could not access my account and that a " specialist '' would be calling me in 3-5 days. I asked to speak to supervisor and she said same. They would  not give me any information on why a specialist needed to speak with me. It is very upsetting to me that I have to wait 3-5 days to find out what is happening with my monies, not to mention that if I needed the money quickly, I can not have access.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: dates : unknown Amount {$1300.00} Disputed previously and has re-appeared on my credit report. Informed Credit Bureaus and Diversified I have been a victim of identity thief also filed a report with my local police dept. I have know knowledge of the acct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Using a debit or ATM card

Complaint: BB & T bank charges ISF fees of {$36.00}, even though at the time of the transaction and available balance is greater than the transaction. They lump up all pending charges with no regard of when the time of the debit transaction continue to charge ISF for each, even though there was a positive balance available to cover the majority of the charges.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: A 90 days late payment from XXXX XXXX XXXX XXXX has been posted to my credit report from Experian.  XXXX insisted that they did not provide Experian with any late payment and such information is incorrect.Several calls and letters written to Experian have not been returned, and no resolution to this issue has been reached.Experian needs to remove the 3 months (90 days) late payment from XXXX XXXX on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, XXXX To whom it may concern, I 'm filing this complaint, with the hopes that you will please assist me in resolving a Release of Lien matter with Bank of America. 

I originally signed a balloon HELOC loan with them on XXXX XXXX XXXX. That 's loan matured on XXXX XXXX XXXX and I am unable to make payments on this. When I signed on that loan, I was just a couple of years away from depending entirely on SSI comma for income, yet I spent the next ten years, depleting my savings, making certain that they got their payments and over the course of the loan, paid just over {$30000.00} in interest on this note. 

The note is due and I can not pay it. I 've turned to a broker, who negotiated the sale of my home, last month, and we 're getting absolutely NO COOPERATION whatsoever from Bank of America on this matter. 

There is a first position on this loan - XXXX. XXXX will be receiving full pay off and there is roughly {$5000.00} in Surplus cash to offer to Bank of America to settle and release this note. 

I can no longer to afford afford to even pay my primary mortgage payments, moving forward, and desperately need your assistance with this. 

THANK YOU! 

Loan information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Loan number - 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 explanation
Consumer complaint received 11-03-2016 about Credit card () with DISCOVER BANK (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft. My Discover credit card was used without my authorization. I contacted Discover card and submitted a fraud dispute. As per Discover dispute department requests, I submitted a affidavit and filed a police report. Discover is stating they denied my dispute and will transfer the balance to my account. I spoke to XXXX a representative at Discover Dispute and requested to speak to a supervisor. I have not received a response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Equifax several times about inquiries and a XXXX account that is on my credit that do n't belong to me. They will remove the account and then put the accounts back on my credit. Clearly with the breach that Equifax had these are most likely a result of this cause XXXX Account act number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I took out lease XXXX of XXXX I immediately setup a monthly recurring payment with my bank XXXX. every month on the XXXX XXXX sends payments to XXXX XXXX XXXX. XX/XX/XXXX XXXX had a glitch in their system and did not send payment to American Honda. I contacted XXXX and they don't have an explanation why payment was not made. I provided proof to all credit bureaus showing I had the funds available, proof that I had a monthly recurring payment setup, showed them I still had XXXX more payments scheduled and credit bureaus will not remove late payment posted on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I checked my credit on XXXX XXXX around XXXX XXXX, 2016. And then again around XXXX XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this : ALLY FINANCIAL, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with COMMUNITY CHOICE FINANCIAL, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: An unauthorized account was opened in mine name by cash central in the original amount of XXXX on XX/XX/2017.. Did n't realize about this account till I went to try and get a new car loan in XX/XX/XXXX and it did n't go through, I have frozen my credit to the credit bureaus filed a police report and filled out an identity theft victim 's complaint and affidavit had it notarized and sent it to the 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 01/22/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: In XXXX, I was laid off from my employer, and after that I developed XXXX XXXX in XXXX. Unfortunately, I was only collecting unemployment, only {$1800.00}, which was a third of my original salary. I was not able to qua! ify for any XXXX assistance. So I got behind in my mortgage payments. So I worked with Select Portfolio directly, to process a mortgage modification with an attorney named XXXX XXXX, because after I tried to do myself, they kept stating that my package was incomplete, missing documents I sent, resent, faxed and emailed directly. Each time, they state that the modification was denied due to incomplete submittal. I went through this process 12 times, re submitting and getting the same excuse for denial. Finally, my attorney says he can not help me. So that 's when I hired another legal advisor, XXXX XXXX. I worked several years on a work out option, I even tried to pay the past due amount to re instate my mortgage. They refused me to make any payments, and will not accept any at this time. Even when I went back to work, they still denied a loan modification. All in all, it was a terrible experience, I was offered to try to modify, and 12 times, they lied, and misplaced my documents, and very rude people to deal with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation