milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2018 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (NJ).
Issue: Trouble during payment process

Complaint: I am writing today in wish to obtain your help. Currently I am working on examining my credit, paying down my balances, and pursuing better credit worthiness. You play an essential role in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX XXXX and XXXX   ) on XX/XX/XXXX and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.

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 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've always had a continuously rising credit score as I have never missed paying a debt obligation on time. Shortly after I moved it was lowered XXXX. I received the information through XXXX and they use TransUnion. So I requested a free credit report from them and found no negative information. I phoned and then filed a so-called dispute online. It 's not really a dispute, I just want to know their reason for the XXXX cuts. Their reply was to simply send me a copy of my credit report with my questions in the Customer Statement area. That was my XXXX " free '' use of the online dispute medium. I then mailed them a letter detailing the issues I was concerned with. I will attach that letter and their reply. That they avoid answering any questions may be due to ineptitude or avoidance. I tend to think that my being retired and of a certain age, and that the cuts occurred immediately after I moved to a " low income '' neighborhood, activated a discriminatory algorithm. Hope my use of this agency serves to result in a meaningful reply from TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity fraud. I have submitted documentation as in a police report proving identity fraud. I also find problematic that I was a victim of the security breech, which was my drivers license, and these items still have n't been removed. It is an issue that Equifax did not protect my information but yet, still allows these fraudulent items on my credit report. The items that I have disputed are as follows : All XXXX accounts ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and all of those inquiries with the exception of the inquiries from XXXX 2016. 

I have disputed these items multiple times. Multiple times they have been denied. Also I see that Equifax has tried to cover up the fact that the investigation was n't completed within 30 days so they reopened another one to cover everything up. 

I have records of conversations, the numbers of disputes that I have opened, and more as proof. I also have my police report. I am prepared to file a lawsuit against Equifax and I will. I am tired of Equifax playing these games and messing with my livelihood. I do n't appreciate it and I will not sit back and just take it anymore. I will be filing a lawsuit asap because my rights have been repeatedly violated and I am not going to sit here and take this anymore. If you do n't want that lawsuit to happen, you will remove those items asap in accordance with my police report that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to resolve an issue for almost two years with Chase Mortgage, and can not get results. I am currently in Chapter XXXX bankruptcy, and making my payments regularly. We did not include our mortgage as part of our bankruptcy, so with the interest rates going so low we decided to look into refinancing our home. We met with a Chase Mortgage Banker, but he said we are a month behind on our payments. We have never missed a payment, and have records to prove it!. I have called Chase multiple times to try and resolve this issue and all we get is a run around. They never call back as promised, they never mail statements to show where or when we missed a payment, nothing. The Chase Mortgage Banker, admitted that Chase has lost customer payments in the past especially when Chase buys mortgages from other banks, which is what happened in our case. We originally had our Mortgage with MetLife, and did not have any issues until Chase got involved. 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Debt collection (Medical) with FirstPoint Collection Resources (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid in full but it still shows that I still need to pay

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Experian credit report, which I have no knowledge of. Specifically, the item is for a collection agency ( XXXX XXXX XXXX ), a collection for XXXX. I do not recall having any open account with XXXX at the time and, in fact, I was studying outside of the country during that year and the previous year. Further, I have never received a bill for this and the account is marked as " Paid '' on the credit report. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Experian report showing the derogatory item. 

Sincerely, 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 11/14/2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had XXXX service. For 4 months, they continued adding unwanted services to our contract trying to increase our bill every month. I contacted them every month to cancel the services that were never ordered by me but somehow showed up on my bill. After getting frustrated with calling every month, I contacted XXXX and told them just to cancel the service. The representatives I spoke to told me that I ordered the XXXX channels and the basketball ( neither of which I am interested in ). XXXX also tried to take this fradulent amount from checking account numerous times without my authorization. They were disputed with my bank and reversed. XXXX is well aware of the situation and it really angers me that they have placed the account for collection and now impacting my credit score. If XXXX did n't breach the contract by adding additional channels that were not ordered by me, I would n't have to waste my time dealing with this again.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I took a private loan for about {$8000.00} private loan and some federal loans. My private loan doubled in interest. Reps were very hard to work with, no empathy at all. Borderline harassing and threatening calls.I have tried to lower payments and get a reasonable monthly payment to repay with no luck. My credit is now damaged and my wages are garnished. I can barely make a living.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (VA).
Issue: Account opening, closing, or management

Complaint: I went to sign up for a PayPal account and later discovered that I had been signed up for a line of credit. This was not my intention. I monitor my credit and later discovered the inquiry on my report. I immediately called to cancel the line of credit but the inquiry still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have recieved over XXXX hit on my credit trying to find financing for a vehicle, it has all happened within the last two months. Everywhere i go im at a high risk level and i cant get financing for a vehicle. If you look on my report it clearly shows how many times my credit has been abused in this auto loan process, i want to dispute all of the hits on my credit report to you guys. Its a perfect example of how horrible auto dealerships ruin peoples credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (FHA mortgage) with ROYAL UNITED MORTGAGE LLC (MI).
Issue: Application, originator, mortgage broker

Complaint: I completed all the required steps and provided all of the documentation required to obtain a mortgage. The mortgage lender gave no reason why the mortgage was not completed before the purchase agreement expired. I was intimidated to not get competing offers, that might have allowed me to get other financing.

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 06-09-2016 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I requested a personal loan to Loan Me Company for XXXX, at the time that I requested I have a emergency and I needed the money right away, I was very desperate that at the moment I did n't think about how high was the loan interest, which 144 %, and now I struggling to make the payment on time, is hard for me now because besides this high interest and high payment loan I have another payments, and another basic expensive that sometimes I end without no money left.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Incorrect information on credit report. There appears to be no method to attempt correction for Transunion.

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 02/24/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased an investment property for over {$72000.00} in approximately in XXXX. The mortgage is with Bank of America. I 've had PMI since the inception, which is fine ; however, the mortgage owed is now under {$12000.00} and Bank of America and my agreement says I need a new appraisal and if I do not obtain a new appraisal I have to continue paying PMI until the loans is paid off. I am not spending {$300.00} to {$400.00} to avoid PMI at some point Bank of America should be reasonable.

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 06/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (OK).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I paid {$90.00} to Franklin collection services, inc. via the pay online feature of their website. Since Id never received mail from them, I did not have an account with them. In the account field, I put my SSN. Franklin saying they have no record of my payment because I did n't use an account number

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (KS).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Debt for home repair on revolving line was recently transferred to XXXX XXXX. We pay monthly payments on the first of every month. When transfered XXXX XXXX ( the new servicer ) was recognizing payments paid on first of month for the previous month and counting the next payment late. We have documented to them in multiple conversations this payment schedule. We 've spoken with them multiple times over the past couple months. The Servicer is XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Other fee

Complaint: I am holding a REDCard credit card XXXX Target ) issued by TD Bank. I had an automatically payment associated with my XXXX bank account. Since I moved XXXX on XXXX, I am gradually switching to use my XXXX bank account. I am plan everything carefully ahead of time. 

On XXXX XXXX, I added my XXXX bank account as the default account for automatic payment, but for some reason, their online system did not allow me to delete the old account. I think it should be fine, since it clearly showed that my new bank account is the default, which, should be used as the first priority of course. I am dealing with XXXX every day, I know the XXXXprogram should always use the default XXXX out of so many choices. 

However, shortly after XXXX 2015, I found out they actually still billed it to my old bank account ( XXXX bank XXXX, obviously they had been rejected since I had already stopped all payments from with that bank account and were going to close it soon. 

Apparently their computer system had some bugs and wo n't switch to the default account. But it is unfair to charge my XXXX $ return payment fee plus XXXX $ interest~! What make it even ridiculous is their inconsistent service. I called them on XXXX XXXX, XXXX a lady told me the return payment fee is cleared after she had a long talk with her supervisor and asked me to made the payment by phone. When I called the next day XXXX XXXX XXXX, 2015 ), none of the agents in TD bank said they could see the reversed fees and they are supposed to do reverse any such fees? I talked with XXXX of the supervisors, XXXX, who said they wo n't disclose their last name or their employ ID to people. She said she is going to find out who talked to me the previous day, but wo n't give me my money back although she said it is NOT my fault! 
Anyway, I ca n't believe TD bank or Target set up such a silly system to fool people. Even if their system did not work right, they still want to charge their customers. 

I want to ask my money back. Beside I want their apology for their stupid and irresponsible system and services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a Home Equity Mortgage Loan that originated XX/XX/XXXX, I was XXXX XX/XX/XXXX and Requested the SCRA Protection on my XXXX Account, it had a Adjustable Rate that was a 10.99 % APR at the time. The Account was closed a few months after I was on XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX and it was reported that my payments were delinquent several times to all of the credit reporting Agencies, and that I had stopped making the Payments in XXXX of XXXX, but that was because I had paid the XXXX account off in full. I continued to make payments on the other account until I had realized that I had made so many payments that had been said to be late, while I was XXXX that I had paid the account 8 months in advance. The account had been attached to my XXXX checking account, and was the over draft protection before it had been closed, but was still being withdrawn from after I closed my checking account. I 'm going to provided the XXXX account statements and the checking account statements since both of the accounts have been closed for over 5 years. The XXXX account has been reported as charged off in XXXX XXXX, but I was recently informed that a Certificate of Satisfaction was filed in the Deeds of Records Office XX/XX/XXXX for the XXXX Loan. I was never informed of this information by XXXX XXXX XXXX, but a Settlement Waiver was mailed to my old address dated XX/XX/XXXX, regarding the XXXX Mortgage account and it said it was in response to the XX/XX/XXXX Mortgage Settlement for SCRA Violations with the CFPB and the Department of Justice, which is news to me. I was XXXX from XX/XX/XXXX until XX/XX/XXXX on back to back XXXX, but my Clearance was Adjudicated while I was in XXXX and the XXXX account was one of great interest, since I had filed a law suit about the account and been providing documents to the Adjudicators for the past 10 years claiming to be a victim of the SCRA cases that had been settled, but my credit report had n't seemed to be effected. I have saved my documents for all of my accounts, but I had n't been contacted until recently.

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: sent them information about inquires that are not mine they just left on there XXXX XXXX equ

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX shows a drop in my credit score from XXXX XXXX, XXXX through XXXX XXXX of 31 points without any explanation. In the past I 've been able to review if any credit applied for or other activity that would cause a decrease or increase in my score. I call Equifax and they sent a summary, but did n't address the reason for the drop in points. XXXX later drop my score XXXX XXXX, through XXXX, XXXX XXXX points without any explanation through credit karma. I just want to know what cause my score to be effected.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Consumer Loan (Vehicle lease) with TMX Finance LLC (AZ).
Issue: Managing the loan or lease

Complaint: I paid off my car XX/XX/2015 and it shows up on my credit report as i have made no payments for the eight months i made payments or even paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion glitch removed all of my inquiries from my credit report in XX/XX/XXXX and put them back on there. I contacted them and faxed them a copy of my credit report before and after and they have not removed the inquiries from my 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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I try for deferred once and I got it. But this time I try they told me I had to pay the note, but I told them I make certain amount a month I ca n't afford XXXX dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Bank account or service (Checking account) with DISCOVER BANK (PA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/15 I opened a Discover Bank Cashback Checking Account. The mailing that I received said that I would receive a {$100.00} bonus if 1. I opened the account between XXXX/XXXX/15 and XXXX/XXXX/15 using offer code " XXXX '' and 2. a minimum current balance of {$1000.00} must be met within 2 weeks of account funding. Furthermore it said that the bonus would be issued as a credit to my account WITHIN 30 days of completing all requirements. I complied with all of it when I opened the account. The rep specifically asked me for the offer code which I gave. I printed a confirmation of the account opening listing all the information ( Acct #, name, address, funding info, etc. ) which did not mention the {$100.00} bonus so I called and spoke to a rep named XXXX ( XXXX E.S.T. on XXXX/XXXX/15 ). I said nothing was mentioned on the confirmation about the {$100.00} bonus and she said that my account showed XXXX and nothing was printed on the confirmation because that offer was n't available to everyone. I have an email dated XX/XX/XXXX saying that they rec 'd my request that my bank transfer {$1000.00} as an opening deposit which would be credited to my account within 3 business days. Deposit was shown in the account on XX/XX/XXXX. Today being XX/XX/XXXX ( 30 days since XXXX had 31 days ) and my account did not show the {$100.00} bonus, I called ( XXXX ) and spoke to a supervisor named XXXX who said that the reason I did n't receive the {$100.00} was because my account was n't coded for the bonus. When I said that they had asked me for it and that I had called XXXX to confirm it, he said she ( XXXX ) thought I was talking about a different offer. XXXX chances to code the account and neither one was done correctly???? Do n't they record all these calls?? XXXX then said he would file a dispute with customer service but that would take 6-8 weeks to resolve! So, now I have to wait another XXXX weeks for their decision? AND leave the entire {$1000.00} there until then?

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have a private student loan debt with Navient. They have been calling after XXXX in my time zone.

Company response to consumer: Closed with explanation