milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am writing you this letter to dispute XXXX late payment history from XXXX XXXX XXXX due to their loan modification program that I did n't sign up for. In XXXX XXXX I was approached by XXXX about being qualified for a loan modification. I declined the loan modification, only to have XXXX hold my payments as well as give me alternative payment dates. From the information XXXX provided me I thought I was 3 months ahead on my mortgage payment, only to find out because XXXX held those payments I was 3 months behind. 

I went to refinance my home in XXXX XXXX and was told there was a hardship attached to my credit, as well as late payments due to XXXX loan modification program. I have attached a screen shot of my account showing my loan modification documents are still under review XXXX/XXXX/XXXX. I as well continue to receive letters from XXXX concerning my loan modification that I never signed up for. 

I spoke with a XXXX rep XXXX XXXX, XXXX XXXX XXXX, and both reps told me all the information I provided above was correct and that indeed XXXX did hold my payments and I was still under consideration for a loan modification. My account was escalated to XXXX home owners support specialist team. I have spoken to over XXXX people regarding this issue at XXXX several have stated that the problem would get fixed but it has n't. 

This has caused serious damage to my credit, XXXX needs to step up and fix their mistake. It took me calling XXXX for the company to even notice a loan modification was still pending on my account 4 years after I turned it down. That 's just ridiculous. 

I ask that all payments from XXXX XXXX XXXX be corrected to Payed on time due to the loan modification I never signed up for. Since disputing this information my loan has been sold. Attached you will see that I have never been charged XXXX late fee

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: These inquiries should not have been made to my credit report. I have attached emails and letters from bank as proof I dint authorize. 


XXXX XX/XX/XXXX XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX Automobile Dealers, New XXXX, I XX/XX/XXXX XX/XX/2019 Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XXXX Auto Financing XXXX XXXX XXXX All Banks XXXX XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX XXXX. 




XXXX XXXX XXXX XXXX. 




XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX All Banks XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with CITIBANK, N.A. (NM).
Issue: Advertising and marketing

Complaint: I was making a XXXX Airline reservation, when I was offered a credit card that showed the cost of the ticket would be {$100.00} less, if I applied and was accepted. I applied for the card, was accepted and notified that I could use it to make purchases right away. Went back to the reservation web site and indeed the cost of the ticket was {$100.00} less. BUT, timed out during the process. Now I am not able to receive the {$100.00} discount on the ticket. I have been told several different stories regarding this issue. I was told to use the card I will receive the credit. I tried this and card would not work. I was told by Citi that getting timed out happens and the credit card company can work with AA to get it fixed to make purchase. Finally, I was told I can not use the card for 7 days until it is activated and they can not cancel it until it is activated. Bottom line, this was false advertising, the reason for my getting the card I am not able to take advantage of. I have spent many hours over 3 days with no resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I made a request for my Credit report, and the Co. said they did not send it to my home address. 
Enclosed is my Bank Statement please send a free copy of my Credit report to me.

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX XXXX XXXX has about 3 different hard inquiries on my credit report, but they should be soft inquiries. Tried calling this company, and no one answers -- just leave you on the phone stating you can wait but they are extremely busy at the 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 08-12-2015 about Consumer Loan (Vehicle loan) with U.S. BANCORP (CA).
Issue: Managing the loan or lease

Complaint: Have had a car loan for over XXXX years with US Bank and received a letter from CA DMV that the lien has n't been satisfied and I have an incomplete registration. Have been trying to speak with branch about get the issue corrected and ca n't get anyone to return my call. Have never been notified that there was an issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: SunTrust Mortgage reported my XX/XX/2018 payment late to credit bureaus. The payment was late because XXXX XXXX XXXX had put a freeze on our checking account that resulted in automatic cancellations of all bill payments. We did not know about this freeze as, apparently, the bank had sent a physical letter to our old address requiring some documents. Since we never received this letter, we could not provide them the document they needed. SunTrust had the address wrong when they initially tried to contact us. They never called us to alert that the payment was late. We had never been late on our mortgage payment before. Now when I tried contacting SunTrust mortgage, they required a letter from XXXX XXXX  XXXX that the account was frozen by bank and it was not us who cancelled the XXXX payment. We have provided them whatever information is available to us to prove that it is not our mistake that XXXX XXXXXXXX XXXX cancelled our payment without our knowledge. When we first talked to XXXX XXXX at SunTrusts credit dispute department, he confirmed that he will remove this late reporting because it was not our fault. Apparently, XXXX never reported to have this late note removed. We have talked to several representatives at SunTrust to no avail. I am attaching the document that was sent to SunTrust in explaining that late payment was not our fault. SunTrust refused to accept that bill payments were cancelled by XXXX XXXXXXXX XXXX without our consent. I have talked to several representatives at SunTrust including XXXX XXXX, XXXX, XXXX and others with no help.

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 09/29/2016 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (CT).
Issue: Managing the loan or lease

Complaint: I have a loan from Prosper. This was contractual and their were no deceit except how the interest would accrue. They are charging 24 % percent each day on the balance of loan, which I feel is very wrong. All other banks and financial institution are charging monthly rates. 

I did not see this writing in the bold or fine print of the loan. I have no problem pay the loan back, but I feel the daily interest is a deception and an unethical practice that hurts the consumer worse than the financial problems they were in prior to the loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Medical debt) with R.M. Galicia, Inc. (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been battling with Progressive Management Systems, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX since XXXX XXXX over a bill of {$2300.00} assigned to them by XXXX XXXX XXXX Hospital. 

My insurance company, XXXX, paid this bill at 100 % and then we started getting bills from PMS ( aka Progressive Management Systems ) for this balance for an Xray that was over {$7800.00}. I had a XXXX XXXX XXXX - how is this even possible. 

I have asked them to sent me proof and documentation that this is my account and they keep sending me their Printouts from PMS. 
XXXX/XXXX/XXXX - I sent them a letter requesting proof that this is my account and received nothing. 

XXXX/XXXX/XXXX - I called and recorded the call. I was told this is my spouses debt - not mine. 

XXXX I sent them another request in XXXX and they sent me their printout and a list of medical services supposed performed by the hospital ( Why is a collection agency seeing my medical history? ) My attorney wrote them a letter a month ago with no response. 

My wife was in XXXX XXXX last month and picked up ALL the copies of my medical records, there is no HIPPA documentation in there. 

Overbilling, trying to collect from someone else and now my medical history. 

I want this removed from my credit reports immediately! 

Sincerely, XXXX 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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: The collection account ( XXXX - XXXX XXXX XXXX ) has been disputed on many occasions due to negligence of a property managment and mishandling of personal information by the company in the time of stay the lease was legally terminated with all cost expunged. I have continued to dispute this error to get it removed from my credit file but it has been to no avail. I need this issue to be resolved

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 09/22/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX, I paid Navient in full with my Savings account. As of XXXX, they 're claiming that the payment was never processed, which is a lie by committing fraud. I received an email notification of confirmation of the {$1400.00} that I paid them on XXXX, and on XXXX, their website said was received.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Upon submitting payment we are told that we may incur a late fee. I now found out, after paying for roughly 10 years, that the may had changed to a will. I notice in my account history it shows a late fee charged than credited. For 25 months there was no credit. I also had a dispute that lasted months in regards to the monthly amount due. It had doubled with no explanation. The first two hours on the phones with multiple reps led to no avail. It took several months to adjust. I have been trying to remove my cosigner for years. I have had XXXX loans for a house and a car loan approved since the first denial. Obtaining the denial form was also nearly impossible in which a runaround had occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My account with XXXX XXXX XXXX XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my XXXX, Experian, and XXXX credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me.

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 06/18/2015 about Bank account or service ((CD) Certificate of deposit) with GOLDMAN SACHS BANK USA (MS).
Issue: Account opening, closing, or management

Complaint: I have several CD 's at GE Capital Bank XXXX online bank ). They are maturing at different dates in the month of XXXX. A month prior to each of the CD maturity dates, GE sent me an email notice informing that my CD would mature within a month and that I needed to contact them by phone to give them instructions on how to disperse the money. In the absence of my contacting them, the money would automatically rollover into another CD of the same maturity length of time. After I received the emails I called GE to request, upon maturity of my CDs, that the principle and interest be deposited into my online saving account and not to automatically roll the CDs over into another CD. The GE representative informed me that they could not process my request until the actual maturity date of the CD. However their previous email is misleading in that respect. It implies that I could call them at any point between the time that I got the email to the time of the CD maturity. Below is the copy of the email that they sent me : This notice is to inform you that your XXXX CD Account with GE Capital Bank is due to mature on XXXX/XXXX/2015. 

Please contact us by the maturity date with instructions on how you want to renew your CD. If you do not contact us, your entire balance will be automatically rolled over into a XXXX CD. The interest rate and the annual percentage yield ( APY ) have not yet been determined. Please call after the maturity date listed above for the current renewal information.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (IL).
Issue: Credit decision / Underwriting

Complaint: I am submitting a complaint with Fay Servicing and XXXX XXXX XXXX due to their malpractice. In XXXX 2015 I was granted trial payments and an acceptance for SAM modification due to the XXXX dollar settlement for principle forgiveness modification by XXXX. During the time XXXX transferred my account to Fay Servicing. Fay Servicing asked me to re apply and when I did I was granted a higher trial payment. I explained the situation to Fay Servicing and provided proof. Even with the proof that I submitted Fay Servicing they could n't find the approval. I have discus this numerous of times with Fay Servicing and they still refuse to approve it because it is something that only XXXX could grant. It is unfair and unjustly what XXXX has done and that is to transfer my file after it got approved. I have provided all documents needed. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Just made a payment of {$350.0 0} to Discover car d the other day.     The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Student loan (Federal student loan servicing) with Allied Interstate LLC (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Unable to reach /talk with a real human to loan rehab my default loans. 
Mailed 2 {$5.00} payments to XXXX XXXX  in XXXX, wi but no one will talk call me back to resolve the matter.

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 03-08-2018 about Debt collection (Other debt) with First Data Corporation (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Mid XX/XX/XXXX checks were stolen from our financial advisors office. This account was closed on XX/XX/XXXX. XX/XX/XXXXmy credit union denied payment on a electric funds transfer to XXXX on XX/XX/XXXX for {$620.00} using the account number of stolen ( thus closed ) account and mailed me a notice. About 2 weeks later I received notice from XXXX XXXX XXXX that they were trying to collect a debt for XXXX store # XXXX. I sent them a letter explaining the situation and received a letter back asking for more documentation. 
I then found the location of XXXX # XXXX. It is in XXXX, WA, about a 2 hour drive from my home. I do not shop at XXXX at all and there are 3 or 4 in my area. I then called XXXX county law enforcement where XXXX is located. After taking my report they went to XXXX # XXXX to investigate. XXXX had no record of a purchase on the date of the EFT, nor for a for a few days prior or later. Law enforcement unable to reach TRS by phone but did see online comments about them for the same type of situation. Advised me not to communicate with them further as this is probably a scam.

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 04-04-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: The last payment I 've sent out to pay my mortgage with Chase was " not received ''. I have an ongoing dispute with Chase over the way they are processing my payments. It seems to be taking longer and longer, sometimes over XXXX days for my payment to arrive, or at least according to their claims, which resulted in late fees that I am currently refusing to pay and disputing. I have good reason to believe that they have intentionally " lost '' my last payment as a form of retaliation for attempting to dispute their late fees. I will also be switching over their pay by phone system, which should be harder to falsify than mail.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I have contacted Equifax three times to freeze my credit report and have provided all the documentation they asked for and yet, they still have n't frozen my account. XXXX and XXXX both froze my credit immediately, but I ca n't get Equifax to respond, even after three written requests.
I am now very concerned as I 've learned that Equifax had a security breach and now, my personal details may have been compromised. I am XXXX years old and worried that my personal information has been compromised.

Company response to consumer: Closed with explanation