milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/26/2016 about Mortgage (VA mortgage) with U.S. BANCORP (OH).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/2016 My partner and I met with ( XXXX | U.S. Bank Home Mortgage Mortgage Loan Originator | XXXX, OH XXXX ). From our initial meeting there were a few red flags that my partner and I chose to ignore. He was 45 minutes late to our first meeting and he declined to provide my family and I a private location to discuss our loan situation despite the fact there was an empty office available. During our first visit we explained to XXXX that we wanted to secure a VA loan. He said that would not be a problem even though my partner and I are not married. On XX/XX/XXXX XXXX suggested we contact a friend of his to purchase our home owners insurance. I informed him that we will stay with the company we already had. After that exchange his attitude toward us changed in a negative way. On XX/XX/XXXX My partner and I were informed that we could not use the VA loan option because we are not married. He waited more than one month to inform us of this issue. He then suggested that we try a VHA loan. Throughout the process my partner and I were subjected to discriminatory and humiliating treatment from US bank and XXXX. His desire to push us into a Loan option with a PMI and additional monies upfront was a clear example of his lack of respect for minority buyers. He stated that we would need XXXX down on a loan amount of XXXX. He treated us like we were ignorant and his predatory tactics are disgraceful. It is clear that as XXXX minorities we were racially profiled by US bank and XXXX and this type of practice should not be allowed to go unnoticed. Despite the discrimination and lies from US Bank and XXXX, my partner and I were able to purchase our home in a timely manner. It is our hope that lenders and their representatives who purposely engage in discriminatory and predatory lending tactics should not go unpunished. We hope that our incident can help other minorities who are subjected to unfair lending practices. 

Thank You

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 05/18/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (FL).
Issue: Taking out the loan or lease

Complaint: I took out a loan in XX/XX/XXXX from XXXX XXXX XXXX, for {$2500.00} which was directly deposited to my checking account. I was to repay the loan at a rate of {$290.00} for 48 months after an initial payment of {$270.00}. I was charged an APR of 139.12 % or a total finance charge of {$11000.00} was finally paid off in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax leaked my personal information to unknown parties after being compromised in a cyber security hack

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion customer service would not help and take care of the negative inquiries reporting to my credit report.

XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 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 12/13/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I requested validation of a bankruptcy on my credit report reference number # XXXX, providing me with any viable evidence submitted by United States Bankruptcy Court to validate this bankruptcy. Experian failed to provide me with validation and only provided me with a letter stating that it remains on my credit report. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt or 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 explanation
Consumer complaint received 03/19/2015 about Credit reporting () with CORELOGIC INC (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have reported the information to the company. However, I did not receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Credco '' XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-02-2018 about Debt collection (Mortgage debt) with National Credit Systems,Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Back in XXXX 2014 my friend an I had an apt and we got out 2-3 months prior to the lease ending. We never got evicted or anything like that for missed payments. We were told to go to court were the files and charges were dropped. Therefore the claimed is not licensed to collect debt. Therefore this information is not correct or to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Experian is refusing to remove three accounts on my credit report that do not belong to me. I have personally contacted the creditors at Experian 's request and they have each individually confirmed my concern that Experian is reporting someone else 's information on my credit. <P/>I am filing this complaint because Experian is reporting someone else 's accounts on my report and they are refusing to remove these items. <P/>The following accounts need to be deleted from my credit report immediately : XXXX XXXX with account number " XXXX '' ; XXXX XXXX with account number " XXXX '' ; XXXX/XXXX with account number " XXXX '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the XXXX in their database. <P/>This is making things more difficult because since I am not the right XXXX, it is against their policies to send me additional information about these accounts. I am being given the run around by Experian and these companies and I feel stuck and do not know what else to do.

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 09-06-2015 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company increased my monthly amount from {$860.00} to {$1100.00} for the next 12 months. I was told by them that my property tax and home insurance increased and they paid the increase in my behalf for a year. I asked why was n't I notified when this increase first happen.i informed pacific financial union that I did not receive a phone call or letter until they increased my monthly mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Central financial control is still aggressively collection debts again me even though I 've sent them all the required documents under the FCRA and FACTA. I do n't owe this company any money and never lived to get hospital debts I work for  XXXX , so I know some people are not that annoying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been harassed by chase bank since XX/XX/XXXX on a {$1000.00} debt that I do not owe! I tried to resolve their mistake in XX/XX/XXXX with suprv. XXXX # XXXX, who I finally gave her the last XXXX digits of my s.s. #, she apologized, & claimed I would not be bothered again.On XXXX/XXXX/15 I got another call on this same issue I explained they have the wrong XXXX XXXX, I have no debt ( home, cars are all paid for I have an XXXX fico score ), I am XXXX w/ a XXXX awaiting XXXX, & I do not need this stress from Chase bank, who claims they are calling on behalf of Best buy. Can someone help me to resolve this harassment/stress. thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (MD).
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: I hope my complaints fell in the right categories. I had a Navy Federal Credit card opened around XXXX. I had a excellent payment history for several years straight. My problem with Navy Federal customers service they were on several occasions was applying my payments to different account that did n't belong to me. And I stayed on the phone speaking from customers and the recovery department concerning my credit card account. Once I was able to get all my receipt together and present them to Navy Federal loan officers they came to the conclusion that I did make my payments on time but they were applied to someone else account. This went on for several months until my account went into default ( dark place )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My tax return was has been garnished twice for a total of about XXXX dollars for a debt from 2007. Last month, transworld systems incorporated sent me notification stating I owed them XXXX, I called and asked them why I have not once received notification prior to this latest letter regarding the debt, they stated they send one out annually. I 'm blown away that they can double the debt and collect on something over 10 years old and never send me anything stating I owe them money. The debt does not show on my credit report either.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AK).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I has XXXX miles saved up since 2011. My account was delinquent by {$13000.00} for 2 months. XXXX closed my account and took all of my points. The points alone could have paid for the balance. Total BS. Then XXXX told me if I paid the $ XXXX I can get a lower card instead of the Platinum. After I paid, I applied for a points reimbursement it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Ive tried numerous times in writing and phone calls to retrieve my free annual credit report to no avail..the information they have is incorrect such as ..i had bought a house ..i cant get past the questions to retrieve my report..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid through XXXX Hospital, the entire balance was paid in XX/XX/2017, long before it showed up on my credit report. I received several calls from a collection agency after the fact, after the bill was paid off in full, stating that I owe for this bill, I explained to them that it was already paid through XXXX  hospital, I called and confirmed this with XXXX  Hospital and they show no open bills. XXXX hospital told me that they showed no balance and that they would contact collection agency and let them know, that the bill was resolved and they instructed me to disregard their calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: This is my Forth formal complaint, and asks you to investigate the business practices of Transunion. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
I have asked that XXXX Credit Card XXXX XXXX, XXXX and XXXX XXXX Credit CardJun XXXX, XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX be removed as this was opened as a result of ID Stolen. This has been Removed/Deleted by XXXX and XXXX, however Transunion has been reluctant. My ID was stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX . Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Transunion 's failure to properly adhere has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed. Failure to do so by Transunion this forth time will pave way for a suit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MD).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: In XXXX I received a notice informing me of a possible error concerning my enrollment in an " optional debt protection program offered by Department Stores Nation Bank '' concerning my account ending in XXXX along with reference number XXXX I DO NOT HAVE ANY CREDIT CARDS OPEN AT THIS TIME I called citi bank. The representative checked my name and social & informed me there were no citi bank cards open under that name & ID number. A flag was placed on my name with citi bank. She then informed me that Department Stores National Bank could be ANY VARIETY OF STORE CREDIT CARDS. 

The only help she could offer was for me to individually call all the possible stores & file complaints. There is not even a list of what possible store cards this could be. 

I DID NOT OPEN ANY CARD. PLEASE CLOSE THIS ACCOUNT AND FLAG MY CREDIT WITH A FREEZE. 

Sincerely, 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 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SUNTRUST BANKS, INC. (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XX/XX/XXXX, rented a car from XXXX XXXX XXXX XXXX out of XXXX XXXX XXXX, XXXX XXXX Ga. The close out receipt called for a single payment of {$470.00}, which I accepted and left the airport. My credit card was charged {$260.00} w/o my legal authorization. Dealing with XXXX, they alleged it was for a damaged window, which I had company rental agreement stating the vehicle was already damaged. Next allegation, it was for loss of use of vehicle and subsequently, it was for 2nd rental. I filed a fraud complaint with Suntrust somewhere around mid XX/XX/XXXX and before XX/XX/XXXX. During that period, XXXX agreed to recredit the card on XX/XX/XXXX. Instead XXXX charge my card against while SunTrust was sitting on a fraud complaint. I received a letter from SunTrust XX/XX/XXXX stating my case was closed, even though XXXX had just issued an unauthorized purchase to the personal credit card.
SunTrust habits with complaints is act as thou the charging party is apart of the bank operation and appears to assist in undermining the customer rights under federal law.

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 07/26/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Paying extremely high PMI for 11 years on my mortgage loan. I questioned the amount and have not been provided with any response as of XXXX/XXXX/XXXX. Also, Escrow amount seems excessive since XX/XX/XXXX and I am unable to reconcile what the increase is attributed to at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received an alert response and I dont agree with this debt because I am unaware of this debt like I told you in the last letter if you continue to force a debt on me that wouldnt be the best solution for you and your company and I will take legal actions immediately. This isnt a threat. You have used my consent without my validation, and you mentioned my demographic as if it has something to do with my personal information. I am a victim of identity theft and because of the recent breach by XXXX I believe that I was greatly affected by it. If you continue to list an unknown debt on my credit looking to collect I will make sure that I contact the attorney generals office in XXXX XXXX and file a lawsuit against your company for violating my rights and this isnt a threat or a warning. I wont be answering to any messages as I will forward all recorded calls, emails, certified letters and more evidence to prove that Im innocent in a court room. It wont be a surprise when you receive any documents from The XXXX XXXX County Courthouse. Please feel free to contact my lawyer from this point on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am not going to pay back a for-profit school that was found guilty of fraud, when I can't even find employment in my field for my degree.  I have paid back over 5,000 on XXXX and I still owe over 30,000 due to interest. Navient, the beast, has taken my tax return and ruined my credit. This system is a trap. I'd have been better off not going to the XXXX XXXX XXXX XXXX in the first place, but my mom pretty much forced me and signed all the papers herself when I was XXXX. I didn't have a choice in the matter then, so I'm pretty much screwed for life.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I have disputed the opportunity loans account with all three credit reporting agencies and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX XXXX that lacks integrity. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Student loan (Non-federal student loan) with SIMM Associates, Inc. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Simm Associates has made multiple calls to my fathers ' ex-wife at her work place, also leaving messages disclosing private information of the nature of their business. In addition they called my father twice. They called my workplace, when I returned their call I was placed on hold for over 20 minutes the customer service representative was abruptly placed me on hold whilst I was speaking.

Company response to consumer: Closed with explanation