milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had an account in good standing with Care Credit ( Synchrony Bank ) for pet medical bills from approximately XX/XX/XXXX to XX/XX/XXXX. At which time I owed {$610.00} and my credit limit was {$800.00}. XX/XX/XXXX, I missed a payment, but paid extraXX/XX/XXXX. XX/XX/XXXX I missed a payment, but paid extraXX/XX/XXXX. During that time, I was always paying well over than the minimum {$25.00} per month. However, I balance started increasing in XX/XX/XXXX. Due to some XXXX XXXX  issues, I found it necessary to leave my residence and did not get all my mail and was emotionally unable to address the discrepancies in the billing. I later lost my job due to emotional distress and was unable to pay any bills at all for awhile. This is why I had not contacted the company directly to discuss why my balance kept going up, when I was paying more than the minimum required. After several months of not paying, the Care Credit increased my credit limit to {$1800.00}, without my knowledge. Also without further contact, I received a court summons two days before the court date which stated I now owed {$1000.00} with interests and Plaintiff 's court costs. Care Credit ( Synchrony Bank ) only provides a mailing address on the few statements I have, and no phone number to inquire as to how my bill increased so much and why they increased my credit limit without my permission or knowledge. I have no explanation as to why this happened and no documentation from then that explains it, other than I can assume they did this so that they can collect more money than what I owed.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: To whom this may concern, I 've been trying to resolve XX/XX/XXXX XX/XX/XXXX the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account. 
The Credit Bureau ( XXXX, XXXX & TransUnion ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.

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 05/14/2015 about Credit reporting () with CORELOGIC INC (AR).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I applied for a Mortgage with XXXX. They ran my credit through CoreLogic Credo. I contacted them to dispute and update information on my file. Of which they are a third party to the credit agencies. I requested the the Account Name listed on there report as Unknown be removed. The original creditor of which showed XXXX Cable had know such account for me $XXXX bucks.  Core Logic contacted me by email indicating that my dispute was ready to view. The $XXXX bucks still reflects unpaid. So I called Core Logic and they indicated it came back as a XXXX bill from XXXX and gave me the number to XXXX to dispute. I called, I spoke to a gentlemen in the dispute dept. So now I have to start this process all over. He stated that this $XXXX is from XXXX. I once again explained the dilemma and he stated it hasn't been reported as a dispute. So today I have submitted another dispute with now XXXX of which could take another 30 days. For a company reporting on my report as "Unknown" collection agency. representing XXXX of which I do not have any outstanding balances with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. ().
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX my wife and I applied through the Michigan Hardest Hit for assistance with our mortgage due to a reduction in income and layoffs and XXXX XXXX the Michigan Step Forward program approved us for a pay down off {$24000.00} on our principle mortgage balance. At the same time we applied with Select Portfolio Services our mortgage company to refinance the balance of our mortgage to reduce the rate and payment. We sent all our current tax returns, paystubs, bank statements, paid property taxes, proof of insurance and a written letter from my wife 's employer and was told bu Select Portfolio they would not accept the pay stubs and letter because they were hand written, we were also told that they would not accept my wife 's XXXX as verification of employment. My wife has worked for the same company for over 6 years and has kept her stubs until she receives her XXXX and we file our taxes. All we want to do is refinance our mortgage to lower the rate and payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I strongly believe rules need to be adopted whereby an invoice, bill or letter to collect a debt should be clearly indicated as such. For instance, if the law mandated that these documents, and only these documents, could be sent in a blue envelope ( thus no more blue envelopes sold in stores ) and that it had to clearly state on the front that it was an attempt to collect a debt, that would eliminate many consumers from inadvertently throwing away bills they were not expecting. 

I 'm writing you primarily because I get several pieces of mail a week that look like bills, yet when I open them they are some sort of solicitation ( sales ) mailing. For instance, today I got something in the mail from my mortgage company that looked like a bill. It said " second and final notice '' and " important information '' ... things that would lead an average consumer to think its a bill. Instead it was a sales mailing to buy mortgage insurance if I lost my job or could n't work. These types of mailings are common and result in people like me throwing away legitimate bills by accident because we get so much junk mail that is styled like a bill. 

Also, you need to do something about the credit rating agencies ( personal rating agencies XXXX. Paying off a mortgage should benefit your score. If an account in collection is paid in full ( perhaps the consumer must make the original vendor whole ), then it should come off your credit report easily. The credit rating system is broken ... I 'm almost XXXX years old, never had I ever not paid something I owed, paid XXXX things late maybe 60 days at worst, and yet my score is barely over XXXX. How is it that mortgage companies have such a different credit score than what the public sites show us? Seems to me like they should be the same. Since credit is our main source to buy things XXXX for most ) and your score only makes your purchases more expensive XXXX APR XXXX, it should hold true that your same concerns about payday loans should be applicable here. Those with lower scores get the worst rates, ultimately paying more which keeps them in financial difficulty. Right now, credit scores do n't accurately reflect a buyer 's ability to pay a debt ... it mainly represents who does n't throw away their mail and is diligent at managing their bills ( regardless of their actual spending / buying power ). What happened to the days where it was simply your debt to income ratio? That makes a lot more sense and you can use a person 's tax returns to figure income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
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: I have sent TransUnion Multiple requests for Debt Validation letters and have submitted multiple online disputes. I am requesting per my legal rights the following information identifying the original creditor copy of the original contract with a wet signature and or electronic signature a copy of the contract between them and the original creditor proof of license or bonded complete transaction history proof within statute of limitations have you filed a judgment on these debts insurance claims amount of debt account number date debt became payable first date of delinquency amount collector paid for the debt This is in regards to the Account Numbered XXXX they are reporting on my credit report in the amount of {$3500.00} They have violated my rights each time i have requested this information by simply not complying with my legal request

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 09-09-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing this complaint because of a problem I am having with XXXX banks that are involved in a short sale transaction. I am currently working on other alternatives to foreclosure so I would like to short sale my home. I would like to short sale my home because I do n't want my home to go into foreclosure. I have been trying to short sale my home for 10 months. The XXXX mortgage is Chase and the XXXX mortgage is XXXX. I have lost XXXX buyers on my home because Chase and XXXX have been very difficult in coming to terms with the sale of my home. Chase offered me an approval in XXXX of {$75000.00} dollars. I had a buyer that was interested in purchasing the home. Once it was time to go to settlement, it was discovered that XXXX had a XXXX lien against my home. The buyer walked due to the time it took to receive an approval. I located another buyer in XXXX and this is the third buyer. Chase stated that they needed to provide another approval. Chase offered an approval of {$160000.00}!!!! Chase is stating that the value of my home went from {$75000.00} to {$160000.00} within 3 months. XXXX then provided an approval of {>= $1,000,000}. Please keep in mind that the home is only valued at {$75000.00}. The home is in need of major repairs in the interior of the property. The negotiator was able to get XXXX to agree to a lower amount to close the deal and then Chase came back with a higher amount. I am writing this complaint because I want the cfpb to know that the banks are still making it difficult for homeowners to reach other alternatives to foreclosure. I would like Chase is being very uncooperative and I do n't know how this will benefit the banks. This has taken a toll on me and my husbands marriage. We have separated and our family has been separated due to this situation. We have tried to modify our home mortgage and XXXX would not work with us at all. I would just like for the cfpb to help me with this transaction. I want to sell my home so that I can walk away knowing that the title has been forwarded to a new owner. I do n't want to experience a deficiency and I want to start my life over with some self respect.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MN).
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: This is regarding the Premium Car Rental Protection offered by American Express as an optional benefit for their cards. The dispute is with regards to incorrectly applying the charge for the premium for this benefit to a credit card which I had signed up for recently BUT HAD NOT enrolled for the Premium Car Rental Protection. Following are the details. 

I completed a car rental at XXXX on XXXX XXXX, XXXX and on XXXX XXXX, I saw a charge in my credit card account for {$24.00} from Amex for Premium Car Rental Protection. I did not recognize that charge as I had not signed up for this car rental protection and immediately filed a dispute for the charge Amex Dispute Reference Number : XXXX. On XXXX XXXX, I received a letter from Amex about the dispute resolution and in the letter it stated that the charge is valid since I had signed up my card account for the Premium Car Rental Protection service in XXXX XXXX and hence the charge will stay. I agree that I had signed up for this benefit in XXXX for the other American Express credit cards that I had. However, the credit card in question, I applied for this card in XXXX XXXX and had not consented to be enrolled in the Premium Car Rental Protection. Being a new card account, there was no reason for me to suspect that American Express would enroll my card in this benefit without specifically asking for my consent or even informing me about it. However, they did and then when I used the card for the car rental, they charged me for the benefit. This does not seem fair and I feel American Express is using my consent from XXXX ( which I had given for other card accounts ) incorrectly and applying it to a new account incorrectly. On top of that, they are unwilling to make it right and even after 2 disputes filed, multiple phone calls with AmEx representatives and the Premium Car Rental Protection department, they refuse to make it right. This practice by  American Express to enroll the customer 's accounts for a charged benefit unbeknownst to the customer is very deceptive and shady.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2017 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: Account information incorrect

Complaint: I bought a house in XXXX 2017. Within 3 months I started shopping for a refinance mortgage company to re finance my home. form XXXX to present date I have contacted at least 17 mortgage companies with no success in refinancing m home. Each time I contact a mortgage company all 3 credit bureaus are list them as hard hit. Another inquiry is added to my already my already spiraling downward credit report. I was made aware of the info that CFPB has relating to Mortgage Bureau 's protocol within the Credit Bureaus Reporting practices on Mortgage inquires. The article says and i quote " You can shop around and get multiple preapprovals and official loan estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45 day window is over. Shopping around is still worth it. The impact of an addtional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all XXXX credit reporting agencies.

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 06/30/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I filing this complaint IN regards to the situation evaluated and it were once deleted several times and place back on my Credit file at least three times .One of the issues IS THE status Judgement with XXXX XXXX XXXX XXXX XXXX car dealership, and the all the reporting Cable Companies, due to no contacts sign and FALSE information. The XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Companies. These Companies does n't have t he right to put any files without a sign contacts or the HIGH EXPENSE amount they say, I owe them. 'Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: APR or interest rate

Complaint: Over the past several months my interest rate has skyrocketed. I am sure that, I did not, nor would have agreed to the terms and conditions of owning a Barclays credit card as they have explained to me. I have, on several occasions, requested to receive a copy of my contract. Each request has been met with a different reason as to why I can not have a copy of the agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Trouble during payment process

Complaint: Our loan was sold to another mortgage company and the balance of our loan raised from XXXX to XXXX. When I called and asked for a pay off on this loan I was told that it would be XXXX. They also say that we are behind on the payments, yet we have been making a payment a month, plus 2 months we made double payments because they said we were behind. I have researched this company and they have a lot of complaints against them. When you call to talk to someone it is automated and if you do get through then you have to leave a message and they never return your calls. This is very up setting because our original loan was for XXXX in 2001 then it went to another company and then another company and now to this company and we still owe almost as much as we did when we first got the loan. Also the interest rate was supposed to be fixed and it has raised. We need help and so does a lot of other people.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: This complaint is about my credit score. The  XXXX  companies are  XXXX  and Equifax. I have established and maintained outstanding credit for over 30 years. I 've paid off  XXXX  houses ; bought and paid for several vehicles, appliances. Credit card usage is only 7 %. Otherwise, no problems excep t one. I h ave and outstanding collection in the amount of {$250.00}. By the way the collection is in dispute. Currently my credit scores are  XXXX  and  XXXX  respectively. As you are well aware, these scores are rated fair at best. Also, any loan available to me are at a much elevated interest rate. I spoke to  one of t he companies today. I voiced my concerns. Number  one, the  person on the phone was unquilified and unable to help me get to the bottom of my complaint. Numbe r two, I  asked to speak to a supervisor but was refused. The refusal, I bilieve, was because the person on the other end of the phne was sitting in a call center in  XXXX . The crux of my complaint is agencies that collect and report all my financial activity assigns a score that is religiously used by lending institutions. The methodology they use is unregulated and subjective. It suppose to represent an individuals tendency to repay. my track record is stellar. Yet, with a minor deviation I am placed in a high risk pool. Somebody needs to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit card () with BARCLAYS BANK DELAWARE (MI).
Issue: Billing disputes

Complaint: I have been a Barclay Credit Card holder since 2014. After reviewing my payment history I discovered that they were taking XXXX dollars a month for interest which only 10 percent of my payment was actually going towards paying down the balance. Their terms and agreement page is misleading and unclear.

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 04/25/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Home equity loan with Wells Fargo was paid for agreed amount and 2015 XXXX was issued. Wells Fargo continue to report full amount of Home Equity as outstanding and did not report the settlement and payment on this old debt.

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have several things that are bothering me one is because someone put a different address on my file in  XXXX  and can not even get it fixed because the system wo n't let me in and got a credit card from capita l one ba nk and  two  bills for medical that I am aware of is a pen can u please help me get my stuff fixed

Company response to consumer: Closed with non-monetary relief