milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Debt collection (Auto debt) with Resurgent Capital Services L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: LVNV Funding fi led a lawsuit  XXXX  requesting payment of {$5800.00} for a motorcycle that was repossessed in  XXXX . A settlement was agreed to in the amount of {$2500.00} and payment was paid in full on  XXXX / XXXX /  XXXX  .  LVNV Funding ha s not furnished any confirmation the settlement has been paid in full and still continues to report on  XXXX  and   XXXX   a delinquent account. This report has negatively affected my attempt to refinance my current mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am currently repaying a student loan to navient department of education loan servicing the problem is the interest rate is very high and they have divided my loan into XXXX so the interest is higher and I have seen on the local news that many other customers are being charged very high interest rates from navient the interest that I have paid is well over the amount of principal paid

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to get a loan modification. When I last submitted the modification package in XX/XX/XXXX and XX/XX/XXXX the representative told me that I needed additional income. So I found a part time job that I started XX/XX/XXXX. In the process of doing that I received a letter stating that a sheriff sale was scheduled for XXXX/XXXX/XXXX XX/XX/XXXX. After calling a countless number of times and none of my phone calls being returned, I was able to reach my account manager on XXXX/XXXX/XXXX. We discussed the sheriff sale date, the option of a short sale as well. I informed her that I had a part time job and was there still an option to do a loan modification. She said yes and once she had a completed package that would stop the sheriff sale. I sent a completed package in on XXXX/XXXX/XXXX. A few days later I received a letter stating that the modification was denied because it was not received 37 days earlier. And the funny thing, is that as many times as I have applied for a loan modification, I never received a letter stating why I was denied. I would find out that I was denied by the constance calling I was doing to check the status of the loan modification. I have been calling my account manager every day, sometimes 3 times a day and none of my calls have been returned. Finally on XXXX/XXXX/XXXX I called and asked to speak to a supervisor. I spoke to XXXX explained my situation and he said he would see what he could do and call me back in one hour. Needless to say no one has called and today is XXXX/XXXX/XXXX. I 'm frustrated and do n't know what else to do. I want to keep my home but how am I going to do that when no one from the mortgage company will contact me back. This is an ongoing issue with this mortgage company, which causes so much frustration. Due to non response from the mortgage company I filed a request to reopen my case. It was granted and I have to appear in court XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Seneca Mortgage LLC and my first payment is due on XXXX XXXX. I have no account number, no idea who to contact, or how to make my first payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09/16/2016 about Debt collection (Mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Carrington Mortgage has reported that I was late both one month and two months on a Mortgage XXXX XXXX. The home was sold during the month of XXXX XXXX before the end of the month. We closed on the house XXXX XXXX, and the loan was paid off before the XXXX of the month. Carrington Mortgage knew that the loan was closing and provided the closing amount. We were asked not to pay on the loan in XXXX because the documents had been created for closing. I have attempted two times to have them remove this error from my report and they have refused. It was last reported late XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX  -  XXXX  Hard Inquiry from  XXXX   XXXX ,    2015  through Equifax Never Gave my consent for a hard inquiry and do n't even have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect first name on credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (AZ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I co-signed an auto loan for my daughter. The loan has been paid on time every month since its origination. Recently I was notified of a late payment or a payment not properly credited.I have sent a schedule of all payments along with cancelled checks for the past three months with no response. My daughter continues to receive collection calls, while I have never been contacted despite my guarante.It is an high interest loan with a beginning balance of XXXX and a current balance of under 6,000.00 No previous delinquency no previous collection efforts

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 12/16/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I took advantage of a free-trial offer for a credit report. After charging my account for {$1.00} to pull my credit, I was signed up for monthly credit monitoring. I called and requested to cancel my monthly membership. My credit card continues to be billed. I have called them to cancel this membership several times in 2016 and every time I call, the representative states that they are have no prior notes of my conversations. This company refuses to cancel my membership and refund my money. I was finally able to get the membership stopped in XX/XX/2016 after insisting that my call is escalated to a supervisor. But this company still took well over {$200.00} from my bank account after I instructed them to stop The company completely refuses to acknowledge all of the prior requests to cancel the membership and refuses to issue a refund for all of the unauthorized charges to my credit card.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a copy of my credit file  XXXX  from TransUnion. I realize my credit file has credit inquiries not authorized or initiated by me. I write a letter to TransUnion the write back confirming these are factual and to contact orginal creditor. On  XXXX / XXXX / XXXX  I called  XXXX    XXXX   XXXX   @  XXXX  and explained to operator #   XXXX   an inquiry appears on my report I did not authorize. He stated it was done over 7 months ago they have it in their system it is a faud appplication but he can '' t do anything as it no longer in their system. So I called TransUnion fraud dept. and  XXXX  was no help she just basically said why you calling us. As a consumer it is unfair they can easily input inaccurate data but not remove it. Now I am in the process of rebuilding and repairing my credit little errors like these affect my score.        XXXX / XXXX / XXXX   Trans Union   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Dear  Trans Union  : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiries for the creditors below have met this requirement, pursuant to the Act. My Social Security number is  XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX  Otherwise, rescind the errant notation immediately.     Sincerely,  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 explanation
Consumer complaint received 03-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please refer to case number XXXX for the background information. 

After I settled the credit report issue with XXXX, I now have a FICO score of more than XXXX. But when I apply for a regular credit card, I again got declined saying the other XXXX credit bureau still have the collection record on my report ( which is not mine please refer to case XXXX ). I ca n't submit a dispute or check my credit status with any of them since I do n't have an SSN. 

Please

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 07/28/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, 2017, XXXX XXXX XXXX provided a renewal offer of our homeowners insurance policy. THE BILL CLEARLY SHOWS {$2700.00} AS DUE TO PAY IN FULL. On XX/XX/XXXX, Ocwen deducted {$2900.00} form our escrow account for Ins Disbursement : XXXX XXXX XXXX. SAID PAYMENT BEING {$140.00} IN EXCESS OF THE AMOUNT DUE & SHOWS NOWHERE ON THE BILLING STATEMENT. We contacted Ocwen by telephone on XXXX XXXX 2017 and was told that they did not know the payment was {$2900.00}. The rep even went so far as to tell us that the amount due according to their computer system was {$2700.00} but that it did show a payment was made on XX/XX/XXXX in the amount of {$2900.00}. The rep assured me that the Insurance company would issue a refund & that if sent to them they would credit it back to the escrow, however, if it was sent to us we needed to forwarded it to Ocwen to be returned to the Escrow account. I informed the rep that I did not recall seeing that requirement in our mortgage agreement that we must return to Ocwen refunds from over payments that are their error. He was insistent that since it came out of the Escrow Account it must be returned to the Escrow Account. Following the phone conversation we wrote Ocwen Insurance Department & the Ocwen Consumer Advocate/Ombudsman concerning this overpayment. WE SIMPLY ASKED TO BE PROVIDED WITH A WRITTEN EXPLAINATION OF WHY THEY PAID {$140.00} MORE THAN WAS DUE, HOW THEY CAME UP WITH {$2900.00} DUE WHEN IT IS CLEARLY PRINTED ON THE BILL THAT ONLY {$2700.00} WAS DUE. Today, XX/XX/XXXX, Ocwen called & left a voice mail stating that they had spoken with our insurance agent and that a refund would be issued and sent to us as the insured. We were once again advised that we need to forward that to Ocwen to be returned to the Escrow Account. WE ARE STILL WAITING FOR AN EXPLANATION OF THE ERROR HOW THEY CAME TO PAY MORE THAN WHAT WAS CLEARLY SPECIFIED AS DUE. This is NOT the 1st error that Ocwen has made with our Escrow Account. We are still missing {$42.00} from an over payment Ocwen made to the county in XX/XX/XXXX -- the bill clearly stating 1 amount & Ocwen deducting a greater amount from our Escrow with no refund or credit having been received 8 months later. We are aware that Ocwen was sued in XXXX 2017 in part due to error in managing Escrow Accounts .... & we have long held suspicions over some of their escrow practices. Clearly, getting sued last XX/XX/XXXX has had ZERO effect on their practices today as this error mimics many of the errors that resulted in CFPB filing suit against them!

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 07/31/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: LVNV FUNDING c/o RESURGENT CAPITAL SERVICES placed a {$170.00} collection on my 3 credit bureau reports dated XXXX XXXX, 2015 for an account I never received dunning correspondence about. In addition, the original account is past the statute of limitations ( XXXX ). I have complained with the BBB and filed disputes with the credit bureaus as well and would request that this " ACCOUNT '' be " CLOSED '' and REMOVED from all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: - > after i found out XXXX got hacked i tried to place a fraud alarm on my account but they are making it difficult to put that in. this should be done automatically since it 's there fault that they got hacked. instead they are making it difficult by req

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 01/25/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: someone used my name, my daughter 's name and our socials to file income tax. 
Also someone tried to use my social to obtain credit cards I filed police report, due to some of my personal documents were missing from my apartment at prior address in XXXX Also filed Identity theft affidavit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with Rent Recovery Solutions (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX aka '' XXXX '' shows on both XXXX as well as XXXX that i have an eviction twice showing on my name that was recently placed back on my name after the discharge of the debt, and i never received an eviction for this property. This is an illegal eviction if such papers were filed after me leaving the subject property. The debt was discharged but had no knowledge of any evictions at this property.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: Equifax has refused to remove a more than  7 year old pai d tax lien from my credit report. I have disputed at least 3 times since  XXXX , last time being  XXXX   XXXX . They sent me results stating that they have verified the information as correct. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: Hello, I opened my CitiGold checking account with a promotional code to receive XXXX Thank You points and now am being told I wo n't receive them. I have been told by multiple citi agents via chat and phone that I did in fact sign up the correct way, completed the required 2 bill pays and would receive the points within 90 days ( XX/XX/XXXX ). Since then I have only been billed the $ XXXX monthly maintenance fee and received no points. One agent refunded my first {$30.00} fee and even promised me an additional XXXX points for the troubles. He then sent this information to what they refer to as " research '' and research denies it telling me I wont be getting anything because they do n't feel that I should. This is a scam and awful that they are doing this to people.

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 04/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I went to   XXXX   XXXX   in  XXXX  and at that time I took out loans totaling around {$45000.00}, for school tuition and living expenses.  XXXX   XXXX  was a  XXXX  hour school and they discouraged you from working while in school and also made it nearly impossible with a schedule that changed monthly and held classes at all hours of the day. They were preparing us for the real world environment. It is now  XXXX  and I owe {$59000.00}! I also just paid off the {$6000.00} balance of  one  of my loans this past  XXXX  that had  % 15 interest!  I have only ever misse d 3 payments , I pay my monthly balance due.     All of this was for an  XXXX   XXXX  in   XXXX   XXXX    that is completely useless.     I was technically successful! I worked in   XXXX   XXXX  , on   XXXX   XXXX   projects with world famous artists. I managed a   XXXX   XXXX   XXXX   in  XXXX  for 6 years! But no matter what I did in the industry I could never make enough money to pay the loan off, just enough to pay the monthly payment, which mostly goes to interest.     I think it is ridiculous that I was able to to take a loan out for that much money to enter an industry that does not have the jobs to support the amount of graduates entering it. Add to that, the jobs that are available are not paying enough to pay off the school tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Delinquent account

Complaint: At age XXXX as a college student without income, I received an unsolicited Chase credit card with a high credit limit of {$11000.00}, well above my only other piece of credit of {$1300.00}. I ran up the balance to the max and was ultimately unable to pay. Chase charged the account off in XX/XX/XXXX, said they will no longer pursue collection of the debt, and filed a XXXX with the IRS. I paid the income tax associated with the XXXX in XX/XX/XXXX. XX/XX/XXXX, l left my job for a better one only to be told I could n't be hired based on my credit report reflecting an amount owed of {$13000.00} to Chase. I reached out to Chase to have the amount owed changed to reflect {$0.00} and they told me I would have to payoff the debt. I am now unemployed and in a catch-22. To make matters worse, I do not qualify for State unemployment since I left my old job voluntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, 2017, I disputed how incorrectly State Tax Lien ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX 2017. This proves that this credit repository 's information is outdated and no investigation was conducted.

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 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit Card Company has reported late payment history from the months of XXXX 2017, XXXX 2017,  XXXX 2017, XXXXr 2017, and XXXX 2017 on my credit reports which is inaccurate information and lowing my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Advertising and marketing

Complaint: This is complaint is a result of civil fraud on the part of citibank and their XXXX branded card. 
I was on the XXXX website booking a trip. EVERYWHERE on the site there appears an ad, offering a XXXX dollar statement credit and XXXX bonus miles ( after spending XXXX dollars ). I clicked on the add the read the fine print. Obviously I had to be approved for the card, which i was that same day, and I used in instantly to purchase the flight that cost over a XXXX dollars. 
I waited for weeks and nothing and called citibankThere agent could not explain why there was no statement credit but said she would add a XXXX dollar statement credit. 
Even though I met the requirements the XXXX bonus miles were denied. These miles cost XXXX dollars. I was told they were denied because i had a similar card within 18 months that was XXXX related. 
Now there are several reasons this denial was unjustified ... 
1 ) I was given no chance to appeal2 ) the fine print on the XXXX site did not mention this potential disqualification3 ) I was aware of this issue previously and I actually called Citibank before i applied to verify if I was over the 18 months since my last XXXX branded card. I was told by the agent i did indeed have a black XXXX card but that was closed by my in XXXX 2014, over 18 months ago. 
I think it is sad XXXX and CITIBANK have to result to such behavior to gain clientsI was damaged XXXX dollars, the cost of the promised miles

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation