milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Only Experian credit bureau has been reporting a Public Record file on my credit report as a result of identity theft which they were previous made aware of. This company shouldn't be entitled to enforce inaccurate credit information on my credit profile. They were made aware before, someone with a similar name credit file was merging with my credit report as a result of identity theft. The accounts have since been removed but this 1 Public Record still exist. I pulled a PACER- Public Access to Count Electronic Record ( attached in file ) which clearly shows an address that doesn't belong to me ( or on my credit report ), and nor does it show a full SSN to fully identify a true match. 

I tried resolving it through Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( same letter again but with a birth certificate as they requested ), and XX/XX/XXXX. I even went as far as contacting the Illinois XXXX Bankruptcy Courthouse on XX/XX/XXXX via phone and letter directly, and received a written response that stated, " ... In order to obtain a debtors full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis, and our database does not have any records for an exact match of you ... '' I sent the documentation over to Experian, and they still have not responded back with a removal.

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 09/26/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX I contacted the lender to remove the open status from my account and delete it because this is not accurate information and its hurting my XXXX XXXX and is preventing me from getting a job.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit profile indicates an account that was settled through a court opinion. The documentations was submitted to all credit agencies. However, the reporting agencies are still reporting the account incorrectly. 
The following information still is present on my credit profile. However, this account should state {$0.00} due based on attached documentation. 
XXXX XXXX XXXX Account Type Home Equity Line of Credit Account Status Closed Opened Date XXXX XXXX, 2007 Closed Date -- Limit {$32000.00} Term -- Monthly Payment {$290.00} Responsibility Individual Account. 
Balance {$31000.00}

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 07-07-2017 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: There are inquiries on my credit file that I did not authorize. I 've written and mailed out a letter stating to remove unauthorized inquiries on my credit files and sent this through certified mail to ensure delivery. I do not recognize nor did I authorize the inquiries listed in the letter that I sent to the credit bureaus. The bureaus received a detailed copy of my letter with identification.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: I'm in receipt of a Shellpoint trial mortgage modification agreement dated XX/XX/XXXX. 
I received this document by mail XX/XX/XXXX. The agreement doesn't provide the terms of the agreement, such as the mortgage payment excluding the escrows for property taxes, insurance, interest rate and number of years the mortgage is being modified. I called Shellpoint several times I spoke with XXXX XXXX, and XXXX XXXX, customer service they advised I wouldn't know the terms of the loan modification until I complete the three trial payments and they refused to transfer me to the loss mitigation dept. or transfer me to a Supervisor. There is also a pending property foreclosure sale for my property set for XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I became behind on my last months mortgage which was due XX/XX/XXXX. A XXXX unidentified call kept showing up on my phone - It turned out to be my mortgage company Suntrust - I talked to them and told them I had previously requested a HAMP package from their XXXX office - they stated they had to ask me to pay the amount of last months payment asap and that they would call EVERY DAY until they were told by the HAMP office that they did not need to or until I paid it. They have called every day sometimes more than once a day since. I consider this harrassment. I have already sent my paperwork for the HAMP into the Suntrust office via mail. Please help me stop this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RentDebt Automated Collections, LLC (ND).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello Consumer Finance Team! 

Thank you for taking a moment to review my grievance. I wanted to submit a complaint about a Property Management ( PM ) organization in Kentucky called the XXXX owned by XXXX XXXX. They are presently attempting to collect a debt I do not owe through a company called " RentDebt Automated Collections , LLC ''. 

I left my apartment ~5 months ago due to frequent domestic disputes at a neighbor 's residence ( including firearms ). My family left our unit with ~2 months left on our lease because the cops had visited the tenants below us on XXXX occasions. ( I have video footage, but have not yet went after the police report numbers ). At first the PM company tried to relocate us to another unit in the same complex. We did not find that acceptable nor did we feel safe. They were frequently intoxicated with music blaring as well as constant screaming before things escalated to physical fights. 

In any event they are saying we owe them money for moving out of an unsafe living environment. This HAS to be illegal, right? We completed our checkout with an employee named XXXX ( the General Manager ) who said all we owed for was new oven/stovetop drip pans ( which they accepted a check for ). Now, out of nowhere 5 months later we receive a " debt collection '' notice that has no merit. 

Thank you again for your time. Please let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: HI I HAVE A MORGAGE WITH MR.COOPER, MAY LOAN IS  CONVENTIONAL WITH INTEREST RASTE OF 7.875 %, MY MONTLY PAYMENT IS XXXX AND MY MATURITY DATE IS XX/XX/2022, I ASK FOR A PAYOFF QUOTE AND THEY GAVE ME XXXX BUT IF YOU DO A CALCULATION OF 53 MONTHS THAT I HAVE TO FINISH PAY, TIMES MY MONTLY PAYMENT THATS FIXED OF XXXX, YOU HAVE XXXX. 
I CALLED THEM TO KNOW HOW THEY CAME OUT WITH THIS AMOUNT AND THEY SAY THAT IS A TERMINATION FEE AND I HAVE TO PAY THE XXXX IF I WANT TO PAY OFF MY MORGAGE, AFTER I PAY THE AMOUNT THEY ASKING, THEY GOING TO REIMBURSE ME THE REST.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax fails to remove the XXXX XXXX XXXX XXXX. account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX from XXXX XXXX XXXX XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Payday loan () with Delbert Services (NC).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX XXXX, XXXX I received funds from Delbert Services in the amount of {$2500.00}. I began repayment of the loan XXXX/XXXX/XXXX, with {$330.00} and beginning XXXX/XXXX/XXXX payments decreased to XXXX. I have made timely payments through XXXX XXXX, XXXX totaling {$6400.00}. I 've contacted their office requesting an amortization schedule and loan payoff. The only information received is that t I would have to pay {$2000.00} to satisfy the loan and the final loan date in XX/XX/XXXX. The documents received does not indicate this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have never had or agreed to an acct ending XXXX showing on my credit report. All balances were paid to them on another account and this is in error. Unless they can show paperwork where I agreed to this then they need to remove the {$150.00} immediately. I have documentation if needed

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 01/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I referred several friends the XXXX cobrand credit card in XX/XX/XXXX, and as the terms described, I was supposed to obtain XXXX bonus points, but only XXXX XXXX points arrived. Following their terms, I waited for 12 weeks, and contacted XXXX at XX/XX/XXXX, and XX/XX/XXXX, and gave them the names to whom I referred the credit card. They said they opened a case but never gave me any resolution. I thought it was abnormally long waiting time.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX, I become injury at work. On XXXX XXXX my employer let me gosince XXXX XXXX I have been injury and out of work, I contact Bank of America to seeking for help. In three times they denied simply they said YOUR LOAN MODIFICATION APPEAL HAS BEEN DENIED WHAT YOU NEED TO DO NEXT IS SHORT SALE OR DEED IN LIEU OR FORECLOSURE WHAT HAPPEN WITH BANK OF AMERICA. 
" I believe that banking institutions are more dangerous to our Liberties than standing armies. If the American people ever allow private banks to control the issue of our currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property-until their children wake up homeless on the continent their fathers conquered. '' XXXX XXXX XXXX XX/XX/XXXX THEY GIVE ME A MODIFICATION BUT TO BE TRUE AT THE BEGINNING IT WAS OK BUT NOW THE INTEREST IS UP AND UP EVERY YEAR AND AT THE END IT WILL BE THE SAME THAT I JUST PAY WITH COUNTRYWIDE. 
THAT 'S WAY SEEKING FOR HELPI NEED HELP PLEASEON XXXX XXXX I JUST CAN MAKE MY PAYMENT AND I DO NOT KNOW WHAT IS GOING TO HAPPEN IF YOU NOT HELP ME PLEASE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/18/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Credit decision / Underwriting

Complaint: When my husband lost his job last yr, we contacted our mtg company to see about getting our mtg int rate reduced ( it 's @ 6 % & most ads were advertising mtg interest rates for LOT less ). We were only behind by XXXX payment which we brought current. Our mtg payments are {$1600.00} - only P & I - we never had an escrow acct set up for our mtg, since it 's inception in XXXX, it 's always been P & I only. We pay RE taxes/ Insurance when bills arrive, never late. Process of trying to get Modification was begun around XXXX XXXX. We provided ALL documentation SEVERAL times. Finally got Mod agreement - pymnts were MORE than current payment! Told them we did NOT want the modification agreement as it included Escrow acct. They ignored us! Continued sending paperwork for the Mod Agreement. 
Now they have paid full yr of our RE taxes & Insurance by using our XXXX & XXXX XXXX P & I pymts & not applying pymts to mtg. They are in violation of Fed Bankruptcy Chapter XXXX reporting laws - they show our acct as delinquent on all XXXX Credit rpts as they themselves have made it " delinquent '' by paying a full year 's insurance & real estate taxes by using our Principal & Interest payments. 
Latest letters say they will work with us to go thru the Modification Agreement by submitting ALL paperwork again & work with other lenders to POSSIBLY get us placed with a different mtg company and the latest letter we received on Saturday, XXXX/XXXX/XXXX says we " opted to sell our house ''! We have NOT indicated that we want to sell our house!! ( Part of mtg process our issue is related to is actually # XXXX, # XXXX, # XXXX & # XXXX! ) It appears to me that the employees do NOT know what they are doing nor do they listen to their mortgagees, each person tells you something different - the account manager tells me one thing, then a person in Esc Dept tells me something entirely different!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Santander Consumer Services  failed to post final payments made on my account accordingly. They have also failed to close the loan accordingly and remove fees that were charged for a reposession in error. It has been since  XXXX  . 2016, th at I have been dealing with Santander in reference to this issue. Santander claimed one of the payments were returned, however proof from my Bank shows that payment did clear the account. I have provided the Bank Statement several times, and they continue to ignore it. Santander claims that they need to see my : '' full bank balance in order to credit the account '' this should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit card () with Continental Finance Company, LLC (PA).
Issue: Billing disputes

Complaint: XXXX XXXX of Continental Finance did knowing know about my discrimination claim and failed to provide investigation report. Continental Finance has discriminated against me due to the color of my skin, by closing my account without validation, Also I want to file an alternative dispute but due Continental Finance polices, they have failed to file my request for arbitration. I will file a claim in Federal court under the Recovery Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I initially filed a claim against XXXX. They informed me that " the mortgage was sold and servicing was transferred to XXXX, XXXX XXXX XXXX, XXXX. This has lead to a Summary Judgement for Foreclosure. The Sheriff Sale is pending now, for XXXX XXXX, XXXX. The listed Plaintiff is TRUST, c/o XXXX XXXX by assignment. According to an independent Forensic Loan Audit, the " mortgage was in Violation of the " FTC Act and Unfair & Deceptive Acts and Practices. '' Some of the specific Violations cited were 1 ) Unconscionability, 2 ) Duty of Good Faith and Fair Dealing, 3 ) Unfair and Deceptive Acts and Practices, 4 ) Preditory Lending, 5 ) Lack of Due Diligence in Underwriting, 6 ) Inappropriate Loan Program, 7 ) Deception, Fraud, Unconscioable, 8 ) Equity Stripping, 9 ) Targeting, 10 ) Acccording to the Audit, the lender Violated section 5 of the Federal Trade Commission Act. A copy of the Forensic Loan Audit is attached ; a partial list of excecive collection calls, after contact ; Letters re : Request for " Validation '' of Debt.or stop contact ; copy continued contact. & response to request..

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX XXXX, who is now Navient, harmed my student loan when I did a repayment status. They steered me towards several forebearances throughout the life of my loan. They also gave false information

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Gentlemen, My name is  XXXX   XXXX , I have been a Home Depot Credit Card ( Thru Citi Bank  ) h older for  XXXX  years. Never have been late. always paid on time. I had a  Credit Limit o f {$3000.00}. My balance was  XXXX . I had n't use it in awhile and also closest store is  XXXX  miles away. I used it in  XXXX  of   XXXX   and charged about  XXXX . And then exactly  XXXX  days later I get a letter that they decreased my  Credit Limit  to {$500.00}! I was so angry! I called them and they claimed they did an update and looked at my Credit Report and based it on other Creditors! I did n't give them permission to run my Credit again. They told me I had to try to get a credit increase based on an application for an approval? Of course they denied me!! I 'm very angry and disappointed! I never have been late and always on time! They are discriminating me! It 's not right! I contacted everyone and they wo n't do anything!!   Please help! I appreciate it!   Warm Regards,  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 12/19/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Managing the loan or lease

Complaint: Earlier this year, as I was attempting to clean up my credit report, I noticed a couple of adverse items. XXXX of these items was from Wells Fargo. There was an open account with a balance of over {$7000.00} from XXXX. There were no late payments and the report indicated that the monthly payment due was {$0.00}. After investigating, I found out that this was for a car loan I had co-signed for with my now ex-wife about a year before we divorced. I contacted my ex-wife and found out that the vehicle in question had been in an accident, totaled by her insurance company and the balance paid off in it 's entirety. Since no activity was showing on this account since XXXX ( over 6 years ago ), I disputed the item with the credit bureau to have it removed from my report. 
When the credit bureau contacted Wells Fargo in XXXX, Wells Fargo instead of clearing the account or marking it as paid, they charged off the balance to {$450.00} and then " wrote off '' the remaining balance. Whatever they did to " balance their books '' caused an even further adverse affect on my credit report, causing my credit score to decrease XXXX points overnight in XXXX. 
I contacted my bank about this situation, and they informed me that what Wells Fargo did was illegal, and they gave my the information to contact you.

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 08/25/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree servicing. I accept that we have been frequently delinquent, we have XXXX children in college and finances are tight. I am currently late and spoke with Green Tree indicating payment will be made at next pay cycle ( XXXX XXXX 2015 XXXX for XXXX XXXX payment due. Grace period is 15 days. Green Tree told me they would not accept XXXX payment ( would return my check ) and that I would have to make XXXX payments or nothing. Instead of trying to work with me " a manager '' tried to discuss short selling my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Medical) with Stellar Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt belongs to my son and they refuse to remove it from my credit bureau information

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation