milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2015 about Credit card () with PENTAGON FEDERAL CREDIT UNION (MD).
Issue: Closing/Cancelling account

Complaint: I have been a member of Pentagon Federal Credit Union since 2011. I had a checking & saving account and XXXX major credit cards with excellent payment history 's. Around XXXX, 2015 I checked my accountso on line and all my accounts are closed and my credit cards are charged off. I called and had several communication was different representative and they stated that my accounts were closed. They had me down on my accounts as being DEASED. I told the representative that this is a mistake on the credit union behalf. They also told me to provide them with notized document stating I ' am not dead. Okay I swallowed my pride on this situation and send them information to theread office. After about 3 weeks I may coctact with the credit union and they stated that they received my information. At that point nothing did not change. I stated to the credit union also how could you have XXXX major credit cards charge off with a zero balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Recently there have been changes to my Transunion Credit Report. I requested XXXX to mail me a new and up to date credit report. Transunion has failed to comply with my request. I am requesting XXXX to send me an up to date and current 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 09-05-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I spent several months working with Bank of American trying to get a deed-in-lieu approved for a property in a different state that I can no longer afford to keep. I spent considerable time with them on the phone and sending them documentation. It took me too long and too much time sending the documents to them over and over and right when I received the notification that my deed-in-lieu was approved and I had signed legal paperwork to get the closing done, Bank of America sold my loan to another company. This other company, XXXX XXXX XXXX, has sent me many, many pieces of mail requesting payment for the past due amount, then explaining loan modifications to me, and finally notifying me they are considering my loan for a deed-in-lieu and wanting me to send in more paperwork to them. The previous months with Bank of American never happened and the entire process starts over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (Other type of mortgage) with Harmon Law Offices, P.C. (MA).
Issue: Struggling to pay mortgage

Complaint: My debt has not been properly calculated. My Right to Cure letter is incorrect. The calculated debt is not accurate. XXXX, it 's servicing agents, XXXX and Harmon Law Offices, are in violation as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We Did a Loan Modification with XXXX XXXX back inXX/XX/XXXX to a low interest ( ARM ) Interest only payment. Our Loan was Sold to XXXX XXXX inXX/XX/XXXX. We always paid on time and never had issues.
In XX/XX/XXXXwe were looking to sell our Home but decided not to because we were told repeatedly by Ocwen and also confirmed with the online statements that the rates remained at a low 1.75 % interest only rate. 2 Months ago we received a letter that our rate was increasing in XX/XX/XXXX and would adjust to the current rates so we decided to sell our home.
when we received escrow documents we were astonished to see that ocwen had added an additional $ XXXX in Principal to over original Balance of our loan. They added Interest payments going back toXX/XX/XXXXas well as Principal unpaid.
we have layers involved but have since closed escrow because we could not afford the newly adjusted rates+ principal payments and could not refinance the loan because of the Loan to value based on their new principal amounts.
we are now stuck after the fact trying to dispute with ocwen the amount and their calculations which we feel are agregeous and misscalculated

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I tried to dispute charges on my Citi Card with a company called XXXX   XXXX XXXX. The charges on 2 of my Citi Cards totaled over 8,800.., but I paid XXXX XXXX in total over {$16000.00} for services that were never provided. That is the reason for this dispute : I did not receive the product and services as was described to me. 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to make a successful online business. 

In that period, I was taken advantage of and defrauded for thousands of dollars by these companies who allegedly and falsely promised me great earning potential. I was led to believe I would greatly benefit by signing up with XXXX XXXX XXXX to market my website. In total I have paid them thousands of dollars to create a website that is worthless and non- functional. Instead I have been left with severe debt because of their false promises. 
It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: In XXXX I disputed XXXX with XXXX, XXXX, and experian. XXXX and experian said the debt was found to be valid, but XXXX deleted the item from my credit file. When I informed the third party debt collector, they removed the item from all 4 of my credit files. The debt has been found to not be valid. The item needs to be removed from my credit history. Please see supporting documents and remove the item from my credit files.

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 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: whom it may concern, I mailed several letters of dispute last one being certified on XXXX XXXX XXXX in regards how XXXX XXXX is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from XXXX to XXXX says late and being over XXXX behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.

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 05/25/2015 about Credit card () with U.S. BANCORP (DC).
Issue: Rewards

Complaint: After I had paid the {$75.00} annual fee for my XXXX visa card ( issued by US Bank ), the benefits of the credit card were changed and severely devalued. XXXX of the key benefits of the card that convinced me to pay the annual fee was the fact that I would get XXXX free night at a XXXX hotel whenever I redeemed points for an award stay. However XXXX/US Bank abruptly ended this benefit and changed the terms of the halfway through my XXXX year of having the card without providing any compensation. If I had known that I would n't be receiving this benefit for the full year, I would not have applied for this card or paid the annual fee. When I contacted US Bank they falsely stated that customers had been informed of this impending change before the annual fee was charged ( we were not - customers were only notified in XXXX, after my annual fee was paid ), and they refused to refund the annual fee or reinstate the benefit. They offered only a very small compensation in the form of points, an offer that did not nearly compensate for the lost value of the benefit or the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires on Equifax : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquires are related to none of the aforementioned permissable purposes : XXXX XXXX XXXX. Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX. I have asked the creditors and credit bureau to provide me with proof of my signature requesting the credit. Still no proof submitted from them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Hello my name is XXXX XXXX. my investigation is not yet complete, from trans union, XXXX, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (KY).
Issue: Account opening, closing, or management

Complaint: I keep asking this question & it 's not getting answered. As basic as I can put it, what criteria specifically allowed my Reserve Line to stay open during XX/XX/XXXX-XX/XX/XXXX 's periodic reviews of creditworthiness compared to now? I 've the received the notice from US Bank about this decision to close my Reserve Line, but none of the reasons stated for this closure are true. Again, during XX/XX/XXXX-XX/XX/XXXX my credit score dropped to a XXXX, I had no other available credit, & I was consistently maxed out on my Reserve Line usage, & every payment I owed was over 90 days late or being charged off. In the past year my debt to income ratio has improved, my available credit has increased, & my credit score has increased over XXXX points, & all payments are on time. Suddenly my Reserve Line is deceptively closed when I 'm no longer using it, & with false reasons stated for the closure. US Bank can not clarify why this happened or explain the justification behind this decision in comparison to the decision to leave it open for the previous 5 years when I was an admittedly horrible candidate for credit. I 've read the disclosures but do not explain the inconsistency of this decision..

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 11/22/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: I got a Best Buy credit card in XXXX 2016. Under the terms & Conditions the annual fee came up and I specifically asked the salesmen more than once if I was going to get charged this year & he said no. They charged me the fee causing me to pay more than I intended to. I told the sales rep that I had the cash to pay my purchase & if I was going to get charged I did n't want it. Again I read the terms and discussed the annual fee start date with the rep and he assured me it would n't get assessed til next year. This is very wrong. So much for 12 month zero financing. This happened in 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 03-02-2016 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Income execution ordered on a debt I have relentlessly fought to object over 15 years. Debtor has used tactics in the past over the phone that were threatening and has on multiple occasions used the threat of jail time to secure payment. I do not know nor recall owing any debt to this company however every year since 2004 they have been harassing me. I would like Pressler and Pressler to cease and desist. Also, they should vacate the income execution order. I am unable to provide sufficient representation to fight this matter. I am therefore request your assistance and direction in the effort to oppose this matter. It is causing 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 09-12-2015 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Late fee

Complaint: I made a purchase of {$33.00} on XXXX/XXXX/2015 at Target Stores.I did not know that I signed up online statement only. Usually. I do mailing statement for all my credit cards. This is a better way for me to follow up the payments. For this Target bill, I simply forgot to pay even though I got an email from the store because I get a lot of emails from all the department stores. I thought all of them are for advertising, therefore I ignored them. 
I know I have to pay some fees and interest, but I do not agree that I have to pay {$95.00} late fees for {$33.00} purchase even though it was XXXX days late. The late fees are almost three times of the purchase. This is definitely not fair to penalize me with a huge fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, 2017 and XXXX XXXX, 2017. I had put in a dispute that there is this address that does not belong to me. I have never lived at XXXX XXXX XXXX, XXXX, Louisianna XXXX. It is still on my equifax report. Why has it not been cleared away after 2 tries? The only email that I have received was that you have received my dispute with a number. I hope we can get this resolved, finally. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Debt collection (Other debt) with MRS BPO, LLC (WY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Consistently for the past month I have had MRS Associates from Colorado calling me 5+ times a day from multiple numbers, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX. At first, I would answer the phone calls and they would immediately hang the phone up. Then, I was extremely irritated by it and called them back one day after they hung up and spoke to someone to ask why they were doing that and they would not give me an answer. In the most recent conversation I had with a XXXX ( I think that is the correct name, not sure ) She would n't tell me why they had been calling me so much and hanging up. Just asked about me paying the {$110.00} and how I was going to pay it. I told them that I would not pay it if they did n't stop harassing me and I would n't have the money to make a payment for at least another month and to please stop calling until then. The very next day, I received a phone call from MRS Associates and I answered and low and behold, they hang up again. I 'm very tired of dealing with this and I need help with this. It is becoming very stressful and infringing on my time at work. They will not stop even though I have asked numerous times and told them I could n't do anything for at least a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with National Enterprise Systems, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have been receiving calls from XXXX XXXX XXXX XXXX which belongs to National Enterprise Systems. A gentleman with the first name XXXX ( sp? ) and a female with the last name XXXX ( sp? ) were the last two I spoke to in reference to receiving calls for someone else. XXXX told misrepresented his business when confronted with my question " You are a debt collection agency, right? ", his response " we deal with business copyrights and legalities associated with those copyrights. '' This company is clearly a debt collector as their website suggests : XXXX and they operate out of XXXX XXXX XXXX XXXX XXXX Ohio XXXX ( XXXX ) The calls have been very aggressive impeding my sleep ( calls at XXXX in the morning to XXXX - XXXX to my phone while at work interrupting my work flow. My employers are questioning my integrity and it severely takes from my over all productivity. 

When threatening to take legal action against the harassment, it did n't even seem to phase them. Poor business and ethical practices. I feel for those that have to deal with them because of debt ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The following inquires do not belong to me. I have previously tried to dispute them with the credit bureau with no result of having them removed. The bureau could not provide a signed contract stating the inquiry belonged to me or how my information was retained. 


XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX. 
Inquiry XX/XX/XXXX XXXX & Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX 
Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: When I started to lookup how to consolidate my loans, I did not know what I was doing, I did not know what plan was best for me nor did I understand the terms. FedLoan Servicing told me what to fill out and that they would " select the best plan for me '' and of course as it turns out it was not the best nor was the payment affordable. I am now stuck in the plan because they refuse to switch me and I ca n't afford the payment. I spoke to another servicer and they said that I should not have a problem switching. 

I have spoken to them many times trying to explain what happen an how their agents mislead me about their plans and did not fully explain them and still they refuse to budge. Now I 'm a month behind already and still ca n't afford the high payment they set. 
There is a plan that would make my payments affordable for me and would help me pay my loans on time but they refuse to switch me to the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient has been servicing both my XXXX and XXXX student loans, but they keep changing payment methods descriptions, such as XXXX or zip code. My payments are setup to take place monthly via my bank account, so the payments go out ( and can be accounted for ) but the payments never land in the account where they should be paid. XXXX account will get over payment and another account will get no payment. Then they harass me about late payments, of which I resolve and explain their error and fix it. Then it just happens again. This has been detrimental to my credit.

Company response to consumer: Closed with explanation