milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2015 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (IN).
Issue: Application, originator, mortgage broker

Complaint: Contacted Quicken loans prior to XXXX XXXX, 2015. Received notice from them dated XXXX XXXX, 2015 that my application for a mortgage was " taken out of process '' on that date. I did not authorize the XXXX inquiries made by Quicken Loans on that date. XXXX XXXX XXXX has erroneously made this inquiries. What can be done to stop these nefarious inquiries, restore the points lost because of his fraudulent behavior?

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with MERCANTILE ADJUSTMENT BUREAU, LLC (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a huge credit score change ( XXXX ) recently due to a open derogatory account which was claimed by XXXX ( XXXX ). It is a collection agency who claims to represent the original lender - XXXX ( XXXX PUBLIC SERVICE ELECTRIC GAS ) and amount is {$55.00}. I believe it is a false debt as the following reasons : XXXX. Wrong account number Ending with XXXX is the account # in the derogatory account details. XXXX was my account number with XXXX. Please see the attached file XXXX. PSEG_Account info and billing status. 

2. No balance with XXXX As the attached XXXX account information and billing status, I have no balance with XX/XX/XXXX. I had a automatic transfer from my bank 's checking account to XXXX for the electric bills. XX/XX/2015 was the last payment before moving. 

3. Moved to XXXX in XX/XX/2015 I cut the service from XXXX in XX/XX/2015 since I was reallocated to XXXX in XX/XX/2015. Please see the attached file XXXX. XXXX power_account info and payment history. 

Please note that all electric utility bills have been wired automatically from my bank 's checking account every month. There is no reason I have a balance with XXXX and a collection from them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I applied for the XXXX XXXX Visa Signature Credit Card which had many desireable features which I was interested in. <P/>As I did not meet the credit standards for the Card as advertised above, I was assigned a card of lower features, a card I was not interested in having or accepting. <P/>The company did n't offer the inferior card, they simply assigned it to me. <P/>Within 10 minutes of being approved online for the inferior card I contacted Bank of America and asked that they rescind my application as opposed to closing the account that I neither wanted nor that I ever used.

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 09/21/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted by Diversified Consultants, Inc. ( DCI ) on multiple occasions, several times a day in XXXX of XXXX for a phone or internet service item that is in question. On XXXX XXXX, XXXX, prior to sending the debt validation letter to DCI, I contacted the company ( XXXX XXXX XXXX ) that DCI  claimed they were collecting the alleged debt for and after several transfers within the company, I was told by customer service representative at XXXX XXXX XXXX, XXXX, that they had no information on any debt or monies owed to XXXX XXXX XXXX in my name. That same day, on XXXX XXXX, XXXX, I sent a formal request for a detailed list of the charges for the alleged debt via XXXX ( Tracking # XXXX ) which was received by Diversified Consultants on XXXX XXXX, XXXX at XXXX XXXX., DCI did not respond to my lawful request within thirty ( 30 ) days as required by law, however they still chose, one month later, to report the alleged debt to all three major credit reporting agencies, XXXX XXXX and XXXX. 

Please see to it that remove the collections from all three credit agencies for failure to validate a debt that the alleged company they claim they are collecting for has no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Collector did not respond to debt validation request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2015 about Debt collection (Payday loan) with Debt Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i have a payday loan which went into collection agency XXXX,XXXX XXXX XXXX, XXXX , XXXX XXXX, acc # XXXX, monarch file # XXXX.orignal debtor was XXXX XXXX, XXXX check cashing. i settled this debt with them on XXXX/XXXX/2011 and they send me settlement letter. now another debt collection agency debt recovery solutions, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, acc # XXXX is trying to collect same debt from me.they placed the debt on my credit file. i tried to reach out to them but no solution.please help. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My Navient student loan reported me 90 days late in XXXX 2016 when I was not. When I called on XXXX XXXX, 2016 to dispute the 90 day credit marker, I was told I could do a forbearance and that Navient would show the account as current and report it to all three credit report agencies. 
I continued to check my report and nothing changed so I called on XXXX XXXX, 2016 to ask the status and the person said they were working on the issue and the removal would not be completed until the XX/XX/XXXX.XX/XX/2016, I checked again and this time they were reporting me 90 days late for two months, XX/XX/XXXX and XXXX 2016. 
Attached is my formal letter with further details regarding dates, times, who I spoke with. I am sending this letter in hopes that you will contact Navient and have these 90 day credit markers removed from my credit report as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Payday loan debt) with NCB MANAGEMENT SERVICES INC (AL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On Wednesday, XXXX XXXX XXXX I received a call at work from a bill collector that I was unaware of. I 'm not allowed to get calls at work unless it 's family emergency. I ask the man to not call me back at work and if I owed this debt to please send something in writing to my address stating I owed this. On Thursday, XXXX XXXX I received several calls from this same person and due to the calls I was fired today. So if I owed this company anything, they wo n't be getting a dime now due to me losing my job because they kept calling when ask not too!

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America refuses to terminate mortgage insurance on the property, even thou the LTV is below 70 %. BofA demanded we pay {$450.00} for another appraisal to be done by XXXX XXXX XXXX XXXX. I think it is unnecessary and violates the spirit and the letter of the Federal Homeowners Protection Act of XXXX as amended in XXXX. The full appraisal of the subject property was performed on XXXX XXXX, XXXX by a fully licensed appraiser, certified to perform appraisals for FHA. The subject property was appraised at {$490000.00}. A copy of the Appraisal Report was submitted to BofA on XXXX XXXX, XXXX. The current Principal Balance on the loan is {$340000.00}. That makes LTV below 70 %! In the letter dated XXXX XXXX, XXXX received from BofA, it estimated the Property Value as of XXXX XXXX, XXXX to be {$470000.00}. The LTV ratio based on BofA 's own Property Value Estimate is below 70.00 %. Furthermore, even if you take the Purchase Price of the Property at the time of purchase in XXXX, of {$430000.00}, the current LTV is still under 80.0 %. On XXXX XXXX, XXXX we send a check for {$450.00} to cover appraisal fee for a second appraisal as Bank demanded. Bank cashed the check immediately and still has not even started process of appraisal. I called back PMI department they said they do n't see payment for appraisal being processed! I filed a complaint with CFSB on XXXX XXXX, XXXX, got a letter from XXXX XXXX, " customer advocate '' that she is going to resolve the matter by XXXX XXXX, XXXX. Nothing happened as of today. I am leaving messages to her phone number XXXX it does not even ring, goes straight to voice message ) she calls me back XXXX days letter when I am not at the phone and leave me a message. There is no way to get a hold of her. I asked for a fax or email to communicate, with no success. Nothing is being done and PMI is still charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On my credit report there is over XXXX inquiries on my credit report under the category of historical data that experian refuse to remove from my credit report even after notifiying them of identity theft and have multiple fraud alters on my profile that i placed there myself to protect myself against fraud and this include the past XXXX addresses that i have lived at over the past XXXX years so should someone steal my identity agains like they did when i notified XXXX XXXX and they closed the card and the account before any charges was made to delete the address for the past 5 years to protect my identity and they said that they could not but i have had other fraud issues because of this and they said that they cant remove this which is bull because they are favoring in favoritism the service bureau members which is wrong under their policy for records retention policies for publishing information public ally that no one needs to know but it benefiting them to sell it to their members when i am doing my best to protect myself from fraud that malicious they only need the past 5 years not since where i was born. all someone needs to do is get my social and start all over again and they can start the fraud again and i want to prevent this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 'm unable to access XXXX credit report with my correct information and I cant all the verification question for Equifax report say I 've open auto loans and this year I have n't done anything involving loans or anything of that sort this year I think my idenitiy is bieng used in another state

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Student loan (Non-federal student loan) with Ability Recovery Services, LLC (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XX/XX/2009, I went through a divorce my husband took everything. Looking to better myself I signed for some online courses. Came across the online school XXXX XXXX. I spoke with a representative, ask questioned like was the school accredited?. All my questions were answered falsely. They told me school was accredited. Signed up and I found out the next day, that the school was not accredited. I was not happy about that and I called to cancel my classes. I was told that my classes would be cancelled since I have been in classes for less than 7 days. They told me I could withdraw as long as XXXX % of the course work was not completed. If I recall correctly I only completed XXXX % of the work. I attended another local university and never logged on again. Now I am in a position to buy a home and this XXXX XXXX XXXX is on my credit report preventing me from doing so. I have called XXXX XXXX they told me they sold my account and have no information of my case. So I called the collection agency and they told me that they only have records of me attending for the one day noted above but they could not take it off my credit report and I need to pay them the XXXX. 

If I had in fact completed that course I would have no problems paying the money, But I did n't. Furthermore it 's really sad that organizations like this exists praying on the weak and less fortunate. Who in there right mind would spend time and money on a course that is not accredited and you will not be able to gain employment afterwards?

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Billing disputes

Complaint: My XXXX payment was due XXXX XXXX of XXXX. I paid on XXXX XXXX. Then I paid on XXXX XXXX XXXX for my XXXX XXXX bill. I received my next statement and I still owe XXXX for XXXX. At first, I thought the statement just came out before my payment showed, but looking at the statement the XXXX is on there. The rep told me that I had to pay after XXXX. I said, " so you are telling me I only have 3 days to pay my bill or it does n't count, " and she said yes. She said she would check with a supervisor and she said the supervisor said I would still have to make an additional XXXX. Once my XXXX payment was met and it was after the due date any funds sent to the company should have paid my next bill. I told her I would be filling a complaint.

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 07-07-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Delinquent account

Complaint: Opened a Macy 's credit card to get the 20 % discount - I have an XXXX credit score, so was not concerned with a hard check no my credit. As intended, I paid the outstanding balance in full immediately upon receiving the first bill. I checked my credit report, randomly, a few months later and noticed they had reported at 60 day overdue balance of {$18.00}. When I called, they informed me this was interest charge ... interesting how interest can accrue on {$0.00}. When I let them know this was fraud, they immediately back tracked and did everything necessary to remove the charges, report the correct info to the credit agency and close the card ( as they were previously instructed ). They also proceeded to say they had the wrong address on file - also very interesting bc the first bill had no problem finding its way to me when they wanted to get paid the initial balance. 

If you have a retail card from Macy 's - review your statement carefully ... likely interest and late fees on their that are fraudulent.

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 10-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I graduated in XXXX with my XXXX. and in XXXX with my XXXX. At the time I was working full time, raising a family as I went back to school when I was older. My loan payments were never at a payment that I was able to make, therefore had to do forbearance and deferments. The interest that has accrued made my total to repay {$130000.00}. My family and I live in a XXXX bedroom house because I ca n't afford to move and my credit is horrible because I ca n't afford my XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold checking account after receiving a promotion offer for XXXX XXXX XXXX miles. I met the requirements of the promotion and sent a message to Citi to verify that the requirements have been met and the miles will post. Citi replied that the requirements were met and I should expect the points by XX/XX/XXXX. When the miles did n't post I contacted Citi again and was told they do n't see that I was targeted for the promotion and will not receive the miles. I tried explaining to them that I have the message from them showing that I met the requirements and promising the points will post but they are not willing to honor their offer.

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 07/25/2016 about Mortgage (VA mortgage) with LoanCare, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Loancare transferred my loan servicing to XXXX XXXX XXXX in XXXX, 2016 and sent me a letter to that effect XXXX XXXX. I made my XXXX payment on XXXX XXXX and can prove it was mailed that date. Now Loancare says my XXXX payment was not received until XXXX XXXX, which made me plus XXXX and I can not now get a refinance.Under the Real Estate Settlement Procedutes Act 12 USC 2601-2617 they can not penalize me for a " late '' payment for 60 days after the loan servicing is transferred. They will do nothing to correct their error.

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 06-12-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: My XXXX XXXX was repossessed XXXX XXXX, XXXX. Upon attempting to recover my car from Santander Consumer Financial, I was given no direct answer or explanation except that storage fees, repair costs, and a deductible totaling {$2300.00} had been paid to XXXX. My car was auctioned off XXXX XXXX, XXXX and the balance has been sent to collections. In a great effort to recover my car, I provided Santander with many documents to reverse the repossession. In XXXX, I was told through Santander Collections my car was impounded from XXXX XXXX XXXX because XXXX XXXX alleged that XXXX denied my claim for repair costs. Neither organization followed protocol and my Consumer rights have been denied resulting in surmounted life issues. My credit has been affected and my personal life has faced serious problems without having transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX  lists a public record judgement on my credit file as  XXXX  as reported as of  XXXX    XXXX  . I have no knowledge of this public record and it has not been reporting on my credit report. I have lost points from my  credit score  because of this reporting and it is damaging my report and hindering me from obtaining credit. Please remove this public record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I paid XXXX collection accounts that appeared on my credit report. XXXX of the accounts was promptly removed from my credit report the other XXXX-Trans Union is stating will remain for XXXX years. I am going through a mortgage process and this is preventing my approval. Even though its been paid, they are refusing to remove it from my report. I have letters of satisfaction stating paid, they told me to fax it over to them. I attempted to fax-and it was unable to go through. They kept telling me that the creditor has to give them APPROVAL to have the debt removed. I called both creditors, 1 ) the XXXX XXXX XXXX XXXX, they said it takes 60 days for the time the payment is received and when it will be removed. 2 ) Escallate, the removal had to be approved by the Vice President of the company. Either way, the debt has been paid, it should be removed.

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