milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 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: Personal information incorrect

Complaint: The inquiry letters from XXXX state applications were placed at XXXX, and XXXX in my name. If doing so I would 've had to present my drivers license. Upon doing so, my name would n't have been submitted incorrectly nor my address. I have already been financing a vehicle since XXXX 2017 from a buy here pay here car lot. So, I had no need to be shopping to finance a vehicle around the dates of XXXX XXXX, and 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 04-06-2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (SD).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a phone call form a third party called XXXX, collections company for Check-N-Go, without reading the federal disclosure the collector advised that an unpaid debt was transferred to their company to be handled within 24 hours. Once I advised the disclosure was not recited and he was aware that I had extensive knowledge regarding FDCPA and collection activities, he was unwilling to listen and stated if I did not give him my debit card number within 24 hours that I was unwilling to pay this debt. I had advised the representative that was not at all what I was doing and in fact I want to pay the debt, however I will not give my debit card without more information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have never lived at or used address XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This address was added by XXXX XXXX  because of fraudulent account XXXX that has since been removed from my credit files. A XXXX Police Report XXXX by XXXX XXXX XXXX about this fraudulent account was approved XXXX XXXX, 2017. This address should not be reflected on my credit files as I have never used or lived at XXXX XXXX XXXX XXXX. XXXX XXXX has submitted documents to Equifax to have fraudulent account removed and this address is only related to this fraudulent activity. I have requested multiple times through Equifax to have this address removed from my credit file and yet it still appears on my file. The current Equifax case number is XXXX and was submitted again on XXXX XXXX, 2017. Please request that Equifax removed this incorret fraudulent address from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Consumer Loan (Vehicle loan) with OpenRoad Lending (TX).
Issue: Shopping for a loan or lease

Complaint: rec in the mail offer 6.29 apr, if approved, was approve but came back 11.5 apr their adv is misleading

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Auto debt) with First Premier Financial, Inc. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a certified 609 letter to XXXX on XX/XX/ requesting copies of validation of debt they received from First Premier Financial that was closed and reported as a reposession. I spoke with a representative last week on XX/XX/ and he stated the handwritten letter was received. The information came back as verified however proof was not sent to me per request.

Company response to consumer: Untimely response
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I Disputed an item on my Transunion credit report through XXXX XXXX onXX/XX/XXXX. The Item is For " XXXX XXXX XXXX XXXX  '' in the amount of {$7000.00}. This account has incorrect balances and the date is showing incorrect on my report. The estimated completion of this dispute was XX/XX/XXXX. It is now XX/XX/XXXX and the status of the dispute is still showing " investigating '' I have called Transunion 3 times starting XX/XX/XXXX and they have told me that the investigation was completed on XX/XX/XXXX but I have yet to see proof. Transunion stated that they sent out an email and verified the email that was on file but I still have yet to receive one. The XXXX XXXX website is still not updated.

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 11/16/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX {$200.00} dollar credit Limit {$120.00} owed My identity information has been previously compromised and used to open several accounts and inquiries without my permission. This is just one of the accounts that was opened that I do n't recognize. This is fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: RE : XXXX-XXXX. 
On XXXX I have talked to Wells Fargo Waiver dept regarding non-drivable vehicle, due to accident, insurance cancelled without notice and Bank Stated there will be insurance on the vehicle and charge me additional premium on top of my regular auto payments. The representative ( XXXX at XXXX ) asked me to send ( via fax XXXX ) the null letter from Insurance company with the date of loss AND WELLS FARGO WILL DO A WAIVER FOR ME. I was advised, that Bank will send an adjustor to look at the damages, prior to mechanic/auto body shop working on it. Vehicle had been sitting at the auto body shop. The shop also contacted bank and no response received from the bank. 
I have made several calls, sent fax and also sent documents by visiting to physical Wells Fargo location in XXXX during my car payments. It 's been a year and no one responded to this matter or my questions. My payments had never been delinquent despite of the situation. 
Last month, I stopped payment, so the bank could contact me. When it became 29days past due, the bank contacted me. I have asked representatives to look into the matter as stated above. Representative became rude and could not help me, as her department was different, she failed to contact correct department to research the matter. Later bank called me again several times, I picked up the phone and they hang up without speaking to me. 
I need to understand where is the customer service to resolve issues? Why such matters can not be directed to the correct department in order to solve situation rather than incur more debt, ruin credit worthiness and letting client pay storage fee. When do I get a waiver on such?

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 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I took out loans a few years back to help pay for my college. I went through XXXX XXXX as well as a few Federal loans. XXXX XXXX consolidated all of my Federal loans, and they charge me around 4 % interest which is fine. XXXX XXXX could not take over my other loans from XXXX XXXX and Navient as they are private loans, I tried, both companies declined. Now, I have XXXX with XXXX XXXX and XXXX with Navient somehow. Why could n't my loans stay with XXXX XXXX? My XXXX with XXXX XXXX range around 7 % which is higher than my Federal loans, but manageable. However, Navient is raising my rates every few months without notice. I believe they are acting unethically. When Navient took over my loans, my interest rates ranged between XXXX and 8 %. I have been on auto pay since XXXX, and now, my rates increase without any notice. When I question it, and I 'm always unable to speak with a Navient representative over the phone despite many efforts. They finally emailed me back saying that there was nothing I could do, it was up to them to set the interest rates. Then my rates jumped to over 9 % ( always no warning ). As they stand, XXXX of my loans at Navient are at exactly 10 % interest rate. Within less than a year, they rose to 10 %. I feel like something has to change. I am paying over XXXX dollars a month a year after graduation. I ca n't afford to live. My fiance pays over 80 % of our modest apartment. This is no way to live, please help. 
Sincerely, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (VA mortgage) with NVR INC. (VA).
Issue: Settlement process and costs

Complaint: We began a new home build, VA funded, with XXXX XXXX on XX/XX/XXXX. We agreed with them on XXXX on a interest rate and signed a Float/Lock Agreement and a Truth-In-Lending Statement and a Cost Analysis Worksheet agreeing on all finances for the new home : price, interest rate, and a return of {$890.00} due to us at closing. We were originally due to go to settlement on our new home at the beginning of XXXX. This was delayed to XXXX XXXX. Late in the afternoon of XXXX XXXX, we were notified that the closing would be delayed for an unknown time period while NVR Mortgage awaited receiving tax forms that we signed off to be ordered on XXXX XXXX. While we waited for the tax forms, they also contacted us requesting other forms, some of the forms had already been sent previously. We finally got word that the tax documents had bee received on the XXXX XXXX, BUT they still needed more copies of bank statement, to justify the paying off of bills with the proceeds of our sold home, and other forms in order to complete the process and go to underwriting and the a XXXX hour audit. On Tuesday, XXXX XXXX, we were finally contacted that we would be closing on XXXX XXXX at XXXX and an email stating that we needed to bring with us to closing a certified check for {$6500.00}. We have done a lot of research on this process and this is a standard practice of NVR Mortgage XXXX, VA office. Many other customers have dealt with this occurrence of changing the agreement at the last minute trying to squeeze us knowing that the move out date of our current house is XXXX XXXX, in 9 days. It seems that by questioning us on our funds at such a late date that they are seeing how far they can push us for the funds that they think we have available.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 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: The credit bureau is reporting paying my credit card balance down as a negative when I 'm trying to raise my credit score this company is reporting it as a negative and my score has decreased instead of increasing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX   XXXX   XXXX  never provided me with documentation for the {$120.00} collection yet Equifax claims the debt is valid. This bill is for a  two  year old  XXXX  that had multiple errors in the billing process.  XXXX   XXXX   XXXX  has already been paid over {$1300.00}. Both   XXXX   and  XXXX  have investigated and removed this item.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I just learned today that Chase is closing the bank account of the XXXX XXXX XXXX ( XXXX ) after we had been with them over 12 years. They did not close my other XXXX accounts, XXXX of which is the XXXX XXXX XXXX XXXX of XXXX XXXX. 

They refuse to tell me why they closed the account saying and I quote the person I spoke with a XXXX XXXX XXXX : " We have the right to not give out the information on why we are closing your account. We have conducted a review of each and every account and have found that somehow we find risk and it is our right not to tell you what that risk is. The decision made by entire Chase company. I did not make the decision. We can not tell you who in Chase made the decision to close your account. '' We do not sell, distribute or in any was deal with XXXX itself. We are an XXXX patient support group and law reform organization that works within the legal and political system to end XXXX prohibition. 

Chase Bank seems to believe they have the right to deny financial services to a person because they disagree with their political position on a legal issue. I wonder if a federally chartered bank can deny financial services for that reason. They could not do it for race, ethnicity or religion. Is this a free speech violation of the first amendment for a federally chartered bank to do this? 

I am not the only XXXX to have this happen. XXXX had all its credit card processing accounts closed for the same reason last week. 

The question is why are so many financial institutions doing this as we are doing nothing illegal. Is this their own decision to undermine us or is some backroom power ( law enforcement? XXXX? ) putting pressure on them to pull the financial rug out from under the XXXX movement?

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Over the last 3 years I have went through several hardships. XXXX full term layoffs on unemployment and a divorce. I've been working with XXXX to retain my home and get a principal reduction and modification. I have been going through this process only to be denied for amount and time delinquent that I find at fault the the mortgage company PHH. On numerous occasions over the last 2 years they used the 60 and 90 day periods between XXXX visits not requesting a single document. Then several other times only requested statements, and stubs the things that go stale. After 2 years they deny my claim after building a huge file and say I can appeal. 3 months later I won the appeal and just received a trial that the payment is substantially higher than the original payment. No information on anything or why its so high. They sent paper work numerous times about an appraisal to revalue the house and nothing. My credit counselor advised me to write and see if there is anything you can do to assist me. I got my own appraisal and the house is worth almost $50,000 less than the loan. Several references show the house being worth XXXX. The loan is XXXX. On top of the payment being higher than ever.  Please assist. I would really like to keep my home. I've obtained great employment time and time again. Have done everything asked from me and won the appeal. Only to have the payment raised substantially.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Trouble during payment process

Complaint: The mortgage company set up an escrow account without my knowledge and without notifying me. In the mean time, I already finalized plans to make the property tax payment for 2016 but it was returned when paid. The mortgage company has added {$3100.00} to my regular monthly payment balance due. The mortgage company has removed my ability to make mortgage payments online altogether. So I am not able to bring my account current and track what is going on ( see print screen attached ). Furthermore, the mortgage company refuses to communicate with me electronically. Any question I ask is responded to with " call them '' ( paraphrase ). This is extremely inconvenient and frustrating. The only reason I can think of for doing this is because they do n't want to put anything in writing. I know from past experience the mortgage company will say when my account is current, my ability to make payments online will be restored. However, I do n't have an extra {$3100.00} sitting around to send them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling my XXXX XXXX mother at all times of the day, numerous times, keeping her very upset. She does n't know what this is for. Her husband XXXX XXXX and shes not familiar with what they are calling for. The people calling barley speak XXXX and she does n't understand what they are saying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX is reporting an account from XXXX XXXX XXXX that was removed and then reinserted illegally. I have disputed this account several times due to this being a HIPPA violation. This debt was never properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I paid my balance in full prior to the due date and was charged additional intrest. Based on what I can tell Capital One is charging interest on the purchase balance as if it were a loan balance. My due date was XX/XX/XXXX. I paid my balance in full on XX/XX/XXXX and was charged interest on the average daily balance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: credit inquires over 90 days still on the on, some go back to XX/XX/XXXX,XX/XX/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 08-09-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My Servicer is attempting to foreclose on my home, however I have a Satisfaction of mortgage that have been recorded in the County Clerks Office. Now my servicer has ask the courts to recind the Satisfaction, the Judge signed off on the erroneous Satisfaction on XXXX/XXXX/2016. I 'm now waiting for the county checks office to enter it into the records and send me a letter stating that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Capitol one to ld me on Saturday  XXXX  at around  XXXX  eastern standard time they were going to update with the credit breaus early because need to be done for a mortgage approval and they did n't

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Quality Loan Service Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: QUALITY LOAN SERVICE CORP ( QLS ) BLATANTLY VIOLATES FEDERAL AND STATE STATUTES AS IT PURSUES ILLEGAL FORECLOSURE OF OUR HOME WITH ITS " SELF-EXECUTING MANUFACTURED DOCUMENTS '' ... PLEASE HELP!!! 

QLS, IN ITS XXXX XXXX, 2015 CORRESPONDENCE, VIA ITS PARENT COMPANY [ XXXX AND XXXX ] MAKES ITS OWN ADMISSION THAT THE NOTICE OF DEFAULT IT RECORDED AGAINST OUR HOME IS FRAUDULENT! ... AND GIVES EVIDENCE TO ITS CONTINUING BLATANT VIOLATIONS OF FDCPA STATUTES. 

PLEASE SEE ATTACHED DETAILS. 

THANK YOU FOR YOUR URGENT HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: See attached statement. Citigold failed to honor the terms of its XXXX XXXX promotional offer as they were provided to me when I opened my Citigold Interest Checking Account. Without explanation or justification, Citigold deliberately deleted an e-communication from my e-communications center less than 8 days after it was posted to my account, even though e-communications are supposed to be available in my e-communications center for 12 months. The deleted e-communication confirms that my account does qualify for the bonus miles offered under the promotion and states that Citigold will post my bonus miles after I provide my XXXX number. I have provided my XXXX number on several occasions and have written confirmation from Citigold that my XXXX number has been linked to my account. I am accusing Citigold of fraud. I maintained my account and paid account maintenance fees based on Citigold 's written representations ( 1 ) that my account was enrolled in the offer, ( 2 ) that I completed all offer requirements XX/XX/2016, ( 3 ) that my bonus miles would be credited to my XXXX XXXX AAdvantage account within 90 days after the end of the statement period in which all offer requirements were completed ( i.e., 90 days after XXXX XXXX, 2016, which is XXXX XXXX, 2016 XXXX. I would otherwise have closed my account. My bonus miles still have not been credited and Citi has now stated in writing that they can not guarantee that my miles will post by XXXX XXXX, 2016 ( which is direct conflict with the written terms of the offer that were provided to me ). Citi is forcing me either to pay additional account maintenance fees as I wait for my miles to post or to close my account to avoid the fees ( and thereby forgo the bonus miles ).

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