milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was reviewing my TransUnion credit report online, obtained through annualcreditreport.com and then, for no apparent reason, " your account has been temporarily suspended '' came up. I was unable to view the report after that. I complained to TransUnion and proceded to get the run-around calling several different phone numbers with no success. I tried to start over again but was blocked because I had already received the report. I have been the victim of ID theft in the last week. I also saw an incorrect entry on the TransUnion report, in the brief time I had to view it, but had no luck in getting it removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: TransUnion and XXXX continue to lie on my report, leave out accounts and important information and they are guilty of damaging my financial well being and all guilty parties should be arrested and incarcerated! How am I supposed to obtain credit when the credit reporting agencies lie and cause me to be rejected? Can I file charges? Can I refuse to let them monitor my credit? After all they 're criminals! XXXX is the most accurate of the XXXX they at least list all my accounts and have the correct percentage of my credit used and my total credit amount.

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 10/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On a few separate occasions I have disputed with all XXXX credit bureaus Equifax, XXXX, and XXXX pertaining to a credit card with XXXX acct # XXXX for the date of last activity, payment history, status, high credit and the dispute was returned verified. I have included the excerpts of my credit reports showing how these accounts are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company refuses to send to us any documentation or verification. They only have our name and phone number. We checked our credit reports and it seems fine. They seem to be " fishing '' for our personal information. Portfolio Recovery company.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage is being serviced by Ocwen Loan Servicing. This company is a horrible company to deal with. I have read nothing but bad reviews and complaints on the XXXX website and I wonder who is looking into this company. Their practices and policies are outside of the scope of normalcy and all they seem to do is charge fees and set unrealistic goals for homeowners. I had fallen behind on my payments and tried to get a modification through the government program for that but was told by Ocwen tht I did not qualify but was not given a reason. So, their solution to that was to give me their version of a modification. The payments were within my budget but I fell behind again because of a medical situation and high medical bills, I am consistently 2 months behind and was told recently that I could send in " extra '' money to catch up, which I started doing but am now being told by my " relationship manager '' that it is not going to help. They keep pushing me toward another of their in-house modifications, which I am sure only serves their interests. The only other alternative is to ut {$1000.00} down on a repayment plan and pay $ XXXX/month for 5 months. I told them if I was having trouble paying $ XXXX/month for my regular payment then how could I pay {$1000.00} down and {$1200.00} for 5 months? They said it is the only way other than doing another modification. I am getting foreclosure threats from them in the mail. Also, when I have the money to send to them, I can not pay it online without a fee because they penalize anyone who is late by not allowing them to pay online without a fee to do so. There is no way to make an immediate payment without being charged another fee. So, I am forced to mail my payments which take weeks to clear, and more late fees are charged. It is a no win situation for any struggling homeowner whose loan is serviced by this company. All one has to do to understand how bad this company 's practices are is to go to the following : XXXX I am afraid of losing my home and have tried every reasonable thing to get myself current with them but they are not willing to be of much help. Also, I think it is a common complaint that this company, or at least its call center, is in another country and that the representatives are hard to understand. I pressured one of them into telling me where they were and was told XXXX on one occasion and XXXX on another. This company does not have the best interest of American homeowners in mind. They only care about making money by fees and unrealistic goals set to make it hard for homeowners.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Balance transfer

Complaint: I have a credit issued by Barclay Bank XXXX XXXX ) card. I have two balance transfer promotions. 1 if for {$1700.00} and the other is for {$1600.00}. 
My minimum payment for XXXX XXXX, 2015 is {$54.00}. On XXXX XXXX, 2015 I make payment of {$200.00} which I want to go to my balance transfer promotion that is due in XXXX of 2015. Nowhere in their Important Information does it say that " if you have a balance with an APR vs a 0 % APR, that any monies paid will only go to the APR balance and not the 0 % APR promotional balance. I call to get the situation corrected and nowhere in their records can they find that statement. So the customer service supervisor states that that statement is located in the original agreement when I received the card and they would mail that to me. But she could not find the original agreement on her system XXXX which they should have it XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: " Credit Collections '' at XXXX continues to call my numbers multiple times per week after I have written, submitted online requests and verbally informed them that the person they are attempting to collect a debt from XXXX my ex, XXXX XXXX XXXX moved out in 2010. I have informed them he can not be reached at my numbers XXXX XXXX, XXXX XXXX multiple times but they continue to call repeatedly. I.e. last Tuesday they called 5 times between XXXX and XXXX, then called twice on Friday afternoon while I was trying to work. I have zero responsibility for my ex 's debts and am tired of this company harassing me even after I gave them his new number.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NV).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: First of all this is not about an issued card as far as I know but a fraudulent application for a card. For the last several months, I have received a letter from Chase Bank telling me that they have not been able to issue a credit card in my name since I have frozen my credit. The letters asks me to lift my credit freeze. The problem is I have NEVER applied for a Chase Bank Credit Card or the Amazon.comVisaSignature card they refer to. Each month, I call Chase Bank to tell them the application is fraudulent yet the letters keep coming. Today, I called and the representative told me that he would mark the application as fraudulent but that he could not mark future applications as fraudulent. He said someone is reapplying each month in my name. The odd thing is that they are using my correct name and address which means the credit card would come to me. The only other person living in my home with me is my husband of 51 years and he has not applied for the cards either. Please help me stop Chase Bank from sending these letters.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. ().
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This is a follow up from my previous complaint which led to 0 change. 

I live in XXXX. 

First, I was told by a Navient customer service representative that I would have no problem making payments from a foreign bank account. I then shifted all of my money to my account in the country where I live. I then found out that autopay is in fact impossible without a US routing number, which actually increases the amount I need to pay. Bad information fro Navient. 

More recently, I made the decision to come off of my income driven repayment plan based upon two emails I received from Navient that said quote : " On XXXX/XXXX/XXXX, your Monthly Payment for your loans enrolled in an Income-Driven Repayment ( IDR ) plan is set to increase to {$160.00}. 

This is the maximum amount you 'll be required to pay each month while you 're in an IDR plan, but you may be able to lower your Monthly Payment if you qualify for a new XXXX partial financial hardship period. '' XXXX was certainly a payment that I was able to make, so I let my IDR expire only to see that my payment was indeed quite a great deal more than XXXX. Bad information from Navient. 

Furthermore, calling Navient to actually make my payments continues to be nothing short of farcical. First, I need to call either from XXXX which is unreliable, or from a landline in XXXX which is costly. Then, each time I speak to them, I have to go through the same song and dance about the phone number they have on file ... .I mean this most recent time must have been the XXXX or XXXX time I have been asked to verify if my phone number was still one from when I lived in XXXX XXXX which I have n't lived in for nearly a decade. 

What kind of nonsense is this? What is happening to the up to date information that I have repeatedly supplied them? Why is it that they can get away with such persistent incompetence, especially given the fact that this incompetence has more than once caused me financial stress and hardship? I also ca n't help but feel that Navient 's payment system discriminates against people who no longer live in the USA, making it nigh on impossible to simply make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (SC).
Issue: Problems when you are unable to pay

Complaint: I have reviewed my credit report and I have found XXXX Security Finance on my repost for {$1300.00}. I when thru Bankruptcy in XXXX 2013 and this should be included in my BK, I have ask the lender several times to delete the other account and nothing has been done. the account # XXXX open date XXXX and the other XXXX is account # XXXX open date of XXXX and XXXX. I do recall refinancing the loan a couple of times but I did n't have XXXX loans at the same time. Security Finance XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Had difficulty filing dispute with EquifaxPaid off all doctor visits that continue to appear on my XXXX XXXX and other account in collection through XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NC).
Issue: Managing the loan or lease

Complaint: I returned a vehicle at the end of a lease agreement. The finance company is now claiming excessive wear of all XXXX tires, and they are now billing me for the cost of XXXX new tires. I dispute the objectiveness of their appraiser and the accuracy of the measurements. The tires were within reasonable wear, and I do n't owe them the cost of replacing the tires.

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 10-10-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble during payment process

Complaint: After receiving a flood insurance payout from FEMA, Chase Mortgage seized our payment and required us to sign up through Insurance Claim Check to receive payouts. After months of being re-victimized by excessive regulations and paperwork, as well as a barely-functional website we 're encouraged to use, the work is done and we have moved back in, only because we were able to borrow money to pay our contractor while we waited for Chase/Insurance Claim Check. Our final payment requires a " 90 % inspection. '' I have been trying to schedule the inspection for a month. The maximum wait is supposed to be six business days.
Inspection scheduled online : XXXX/XXXX/XXXX Calls to customer service : XXXX/XXXX/XXXX ( inspection rescheduled ), XXXX/XXXX/XXXX ( told to wait one more business day ),  XXXX/XXXX/XXXX ( told an email would be sent to inspector ), XXXX/XXXX/XXXX ( told a personal email would be sent to inspector ), XXXX/XXXX/XXXX ( spoke with supervisor " XXXX '' and told that she would change vendors and call me personally on XXXX to make sure we had been contacted. I was never contacted by the inspector or XXXX XXXX, XXXX/XXXX/XXXX XXXX told everything would be done to make sure I was contacted in five business days.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting me as deceased. I have the same name as my deceased father ( with a Jr ), and I live in his house, but I am not deceased. I have a different social security number than my father, so I do n't understand why it was not used to determine that the credit request was for me, not my father.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (CA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: could n't pay the note, once repossessed they added another XXXX on the car so I could n't get it.. they then sold it did not disclosed the amount they sold it for and left me with a balance of {$10000.00} for a {$15000.00} car.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: Regions Bank has charged me {$140.00} in overdraft fees on my checking account despite the fact that I only went over {$3.00} and I had {$900.00} in my savings account at the time! I 've been banking with Regions for 15 years, but I 'll be closing all of my accounts within the next week. It should not be legal for them to do this to people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i had a business and it went bankrupt. I was sued and settled the debt and received a release, which was filed with the courts. The credit bureaus will not remove the judgement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was assuming that I was creatign a free account on Transunion website. However, that was not the case. The website shows a poor job of telling you if the account you are creating if free subscription or paid. All it says is credit monitoring and that it is a subscription that you can cancel anytime after going to the website from a XXXX search of Transunion credit report. It does n't mention if it is a trial either where you have x amount of time to cancel. All it does is tell you to create a user name and password, enter your personal information, and your credit card and go to your profile. After going to my profile, I had issues getting TU Credit Lock feature to work due to some mismatched information that I do not know of. I contacted Customer support online and offline, Fraud department, and other numbers mentioned on gethuman to resolve the issue but each department kept referring me to call the other where no one knew about the service and the reason for the issue, and how to resolve it. It is then when I looked into the issue myself as I looked to check my profile information on the Transunion site that I have signed up for a paid service and that they took {$20.00} out my account. I contacted the billing department and that stated that since I signed up and automatic payment was made that they will not refund me the money despite their misleading webpage regarding what you are signing up for and if it costs. After informing them that I will make a complaint, they have now updated their page to show the pricing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Consumer has reached out to Equifax on several occasions in order for Equifax to remove erroneous information that should not be reporting on this consumer 's credit report. 
On XXXX XXXX, 2017 the Debt collector XXXX XXXX, XXXX withdraw all accounts from this Consumer 's credit report. 
As of XXXX XXXX, 2017 ) today ), Equifax continues to report this erroneous information despite having this information from the Debt Collector. 
Equifax is uncooperative and refuses to remove this negative account which is causing this consumer great harm. 
Equifax needs to remove this account ACCT # XXXX, IMMEDIATELY form this consumer 's credit report and any accounts originating from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my credit report under 'regular inquiries ' via ( Trans union, XXXX and XXXX ) there is an inquiry showing the company XXXX XXXX with the date : X/XX/2017. This inquiry is fraudulent and I would like this inquiry removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX XXXX/XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX XXXX and 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 11-04-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Transaction issue

Complaint: I believe that I have been taken for a ride in an online business scam. When attempting to report this I have been directed to your website and I am hoping that with your assistance I can dispute charges that were paid to companies for what I now believe is an online scam. I do n't think it is fair that I can not dispute charges over 60 days old and I have been advised that this 60 day limit is not applicable since these charges are not billing errors. Earlier this year and throughout this year I have paid a several companies for various products and services that have either not been delivered or are different from that which was described. The charge that I wish to dispute on my Citibank card is {$500.00} charge from a company called XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (MN).
Issue: Account opening, closing, or management

Complaint: I have a line of credit with BBVA Compass for Overdraft Protection. Although this is an open/active credit account, BBVA does not report it to my credit report. I have raised this issue with them, and they tell me that I need to contact the credit bureau. I contacted the bureau, however it is only possible to file disputes for existing information inside of the credit report already. I can not locate an option to 'add ' a tradeline to my credit report- really it is the financial institution that needs to do this. Additionally, I have to say the service at BBVA is not well. Their is frequently a language barrier, the bankers do not know the products or services. Additionally, they do not give consumers all of the available options to avoid fees- that is to say they retain control in order that they can charge fees. Ex : If I forsee needing my OD line, I can not advance it ahead of time. The bank advances it for me, and then charges me {$12.00}. As such, I never use the line because they do n't see fit for me to control my own money. It seems to me they have this practice to charge more fees to consumers. I guess the 22 % APR is n't enough.

Company response to consumer: Closed with explanation