milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I requested a credit report from Equifax and received the report which is XXXX. In reviewing the report, I noticed that there were comments ( 1 ) as follows : XX/XX/XXXX - Foreclosure process started XX/XX/XXXX- Paying under partial payment agreement XX/XX/XXXX - Paying under partial payment agreement I have never been involved in any foreclosure with the properties that I own, so I do n't know where this is being reported from. Since there was no information on the report to indicate where this was coming from, I contacted Equifax and they told me to contact XXXX which supplies the information. Neither company could provide any information as to where this was from, so they advised that I file a complaint with the CFPB. 

My intent is to get this removed from my credit report. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OK).
Issue: Deposits and withdrawals

Complaint: On or about XX/XX/XXXX-XX/XX/XXXX XXXX XXXX ( XXXX ) Alias name just so you know. she has many. She went into a Chase bank location in XXXX Oklahoma and withdrew $ XXXX {$9000.00} from a business account we had started together while dating. I went to go buy materials and my card was declined. I know that she took it because she call me and told me that she did. I was so hurt and embarrassed. I am wanting you to return my money that XXXX stole or took illegally fro chase or chase will be investigated by an attorney at law I have been banking with chase for over 10 plus years doing XXXX and XXXX and XXXX ... .I would like you to bring XXXX up on embezzlement charges for taking that money without my signature and taking me off the account It was unfair and unjust. I would be greatly vindicated if you done so thank you so much for everything and my phone number is XXXX and XXXX email me at XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Payday loan) with Solutions To Portfolios, LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have paid STP Management Group {$2200.00} for a debt that XXXX XXXX loan has no record of and now a XXXX company is calling ( very threatening ) to collect on this same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Billing statement

Complaint: I opened an account with Citizens bank for a XXXX XXXX which had a 0 % balance transfer for 13 months. I paid every bill on time every month. I received my last paper statement dated XX/XX/XXXX - XX/XX/XXXX and paid it in full. I made several charges to my account in XXXX and XX/XX/XXXX but did not receive statements. I had to call Citizens on XX/XX/XXXX and told them I have n't received my statements. At that time I was told I requested paperless statements which I had not. I requested to have paper statements sent to me so I could take care of my payments. I was given my balance over the phone and paid it with the exception of {$64.00}. I reiterated that I had not requested paper statements and wanted my statements mailed to me. I was told it could not be changed. I received no more paper statements and in XX/XX/XXXX received the first of several collection letters stating I was past due on my account. I made multiple phone calls and spent literally hours on the phone trying to resolve this matter. All I wanted was documentation in the way of a statement for any debt owed which I never received. This issue has hurt my excellent credit rating and I feel is an unfair business practice by refusing to issue statements in the mail. I was actually told I would be charged a fee if I wanted paper statements!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2016 about Credit card () with BARCLAYS BANK DELAWARE (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I applied on line in XX/XX/XXXX Looking for a lower interest rate or 0 % for a few months it asking would want to do a balance transfer if I was approved. So I gave the information. It said I had been approved but never said the interest rate. Or anything else. I got kicked out of my home. So I never got the credit card to activate or decline the card. A month later the did the balance transfer without my permission. I called spoke to a supervisor names XXXX.Told him I did not want the card because the interest rate was w a y to high. He apoligisted said he would take care of the problem He said he would close the account and I would owe nothing. Now it 's showing on my credit report months later.

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 08/21/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I received HAMP modification on XXXX XXXX. Now I have been told that I still owe over {$180.00} in past dues fees from XXXX, XXXX and part of XXXX up to when my loan got modified through the hamp government program. 
How could it be that Nationstar is still asking me to pay for all those back fees. No fees should be remaining apart from anything that pertains to my new modified loan from XXXX XXXX moving forward only.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Customer service / Customer relations

Complaint: I used the Synchrony Bank financing offered by my plumbing company to pay the bill for the major repairs they made when a pipe burst in my rental house XXXX XXXX. I chose the 6 mo/0 % interest option expecting the insurance claim plus my wages from tutoring would cover it. A few days later, the claim was denied. If I failed to pay in XXXX months, the interest rate would go up to 26.99 %, so the plumbing company Operations Manager agreed to change my contract to the 14.99 % revolving option. We made that revision XXXX XXXX and he faxed it to Synchrony Bank as he customarily did. But, the XXXX XXXX statement from Synchrony Bank still showed the charge with XXXX month financing. I called Synchrony Bank 's " Customer Care '' line and had a lengthy chat on XXXX XXXX the agent said only the " Merchant Care '' department could make the change if the company sent revised paperwork to Synchrony Bank. The agent refused to give me the fax number or to connect me with someone who had more authority in the " Customer Care '' department. I called the plumbing company immediately and their Operations Manager then called the " Merchant Care '' line and was told the change would be made if he re-sent the revised contract by fax which he did that day. Nothing was changed. When the Synchrony Bank statement arrived, I would call " Customer Care '', chat again longer each time and would be told the same thing as the month before. Again, I would call the Operations Manager who would call Synchrony Bank 's " Merchant Care '' and be told they did not have any paperwork that showed the finance option terms were revised, so the Operations Manager would re-send all the documents the agent wanted. Now, the XXXX XXXX deadline is very close. Both the Operations Manager and I are very frustrated with Synchrony Bank. I ca n't help but default on their XXXX month contract because my tutoring job ended. I live on a low fixed income, so I ca n't possibly pay the entire amount by then. The default will be bad for my credit, but more than anything else, I 'm worried because I wo n't be able to make the high interest payments if Synchrony Bank wo n't change the finance option.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA).
Issue: Application, originator, mortgage broker

Complaint: So I got a loan modification and XXXX from XXXX help me to do it it took a year to get my loan modification done I did n't miss a payment or was I late so tired of Rushmore so XXXX called me from Rushmore today to have me send more papers to them that me and XXXX have sent to them when my modification was done we talked to a manager and they said they had very thing they needed now they want more paper work from me that have already have sent to them when I made my last complaint and I sent out the papers work out again to day XX/XX/2017 I do n't know if I will ever get my statement from Rushmore my loan # is XXXX thank u so much XXXX someone need to fire a lot of people at Rushmore the customer service reps will not let u talk to a manager and if they do they put u on hold and then hang up on you and when u call back they do the same thing so please help if u can

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015, I mailed a qualified written request ( a " QWR '' ) to my mortgage loan servicer, HSBC, in which I requested : ( 1 ) the identity of the owner of my loan ; ( 2 ) any restrictions in the applicable servicing agreement or investor guidelines that would bar capitalization, rate reduction, term extension or forbearance of principal, or that would otherwise prevent HSBC from modifying my loan ; ( 3 ) a description of the loan modification programs, and their requirements, for all loan modification programs HSBC will review me for ; ( 4 ) an itemization of any costs, fees, and expenses charged to my account since I defaulted ; ( 5 ) a description of HSBC 's efforts to establish live contact within 36 days of my delinquency to inform me about loss mitigation options ; ( 6 ) a copy of the written notice required under 12 CFR 1024.39 ( b ) ; and ( 7 ) a copy of the log HSBC maintains for the servicing of my account since the date of my default. This QWR was delivered to HSBC on XXXX XXXX, 2015. 

On XXXX XXXX, 2015, HSBC responded to this QWR by mailing me : ( 1 ) the mortgage, ( 2 ) the note, ( 3 ) the HUD-1, ( 4 ) the payment history, ( 5 ) Quick Reference Transaction codes, ( 6 ) the Truth in Lending Statement, and ( 7 ) loss mitigation letters. 

HSBC failed to provide me with : ( 1 ) the restrictions in the applicable servicing agreement or investor guidelines that would bar capitalization, rate reduction, term extension or forbearance of principal, or that would otherwise prevent HSBC from modifying my loan ; ( 2 ) a description of the loan modification programs, and their requirements, for all loan modification programs HSBC will review me for ; and ( 3 ) a copy of the servicing log for my account since the date of my default.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, I noticed a hard inquiry from CNBA that occurred on XX/XX/XXXX. I had applied for a citi credit card back in XX/XX/XXXX, and there is also a hard inquiry from then ( as expected ). I do not believe I ever authorized the second pull that happened in 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 11-05-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I signed up for an SPG credit card through AMEX with a welcome bonus of XXXX SPG points after XXXX spend in 3 months. The first time I applied it gave an error on the page, but the application still went through. So I applied again. One card was sent to my old address and the second was sent to my current address. I spoke with customer service and they advised me to cancel the card sent to the wrong address. After I spent XXXX dollars I never received my bonus, when speaking with customer service they informed me that it is a once in a lifetime bonus and since it was my XXXX card I was not eligible. I explained what happened and they said that they would forward a letter to another department and almost certainly due to the situation I would receive my bonus points after 6-8 weeks. After 8 weeks I contacted them again and they told me that they decided not to give me the bonus points, but they could forward another letter and I would have a decision in up to 8 weeks! I feel like they are just giving me the run around, when clearly I never received the 1st card and it was sent to the wrong address. Also the first customer service rep advised me to cancel that card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I simply requested the reason why my score dropped from XXXX to XXXX. I was informed this information was not available.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: I applied for credit with synchrony Financial in XXXX. My total bill was for XXXX.. A week later I checked my account and there was an extra XXXX. I have called the company several times and the issue has yet to be resolved. I Have spoken to XXXX ( manager with XXXX XXXX : XXXX ). I have contacted XXXX XXXX general manager of XXXX ( XXXX ). I called the company directly and spoke XXXX ( ext XXXX ) XXXX ( ext XXXX ) XXXX ( did n't get her extension ). I never agreed nor did i receive any services totaling XXXX the issue has yet to be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: I was n't giving information to cancel or close account

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 07/17/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (NJ).
Issue: Account opening, closing, or management

Complaint: This is the XXXX complaint regarding identify fraud put forward concerning Synchrony Bank. Relative to the other XXXX complaints, the Bank simply sends me a letter explaining they are acting properly ; thus, they close the case. For over a year-and-a-half the Bank has continued to make inquiries and establish credit in my name even though they have all the legal records. The last XXXX inquiries were on XXXX/XXXX/16 and XXXX/XXXX/16. Of equal interest is the Bank closed a savings account in my name and has not provided me the information requested. These are my XXXX issues ( 1 ) since they have been formally notified of my identify fraud a year ago, why does the Bank still engage in activity in my name? ( 2 ) What is the savings account about? I am so sure, I am not the only one being harassed by Synchrony Bank.

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 05/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX and TransUnion refuse to remove adverse accounts that have been " closed '' from my credit report. XXXX has verified that these reported adverse account are no longer valid. Accordingly, these adverse accounts were removed from the XXXX Credit Report. However, the collection agencies and the aforementioned Credit Bureaus refuse to accept the XXXX investigation hard copy dispute results as proof of their findings. I have written and spoken with the reporting collection agency, XXXX and TransUnion and they were all very critical about XXXX i.e., " We do n't recognize or go by what XXXX reports, we use our own methods of disputes ''. Note : How is it that the XXXX investigated results received from the same reporting debt collection agency handling all the same accounts in question, not be accepted by XXXX and TransUnion???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2017 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Wrong amount charged or received

Complaint: I was paid to write an article for a magazine by a company XXXX XXXX XXXX in XXXX. They sent me the money via their bank XXXX XXXX XXXX XXXX XXXX XXXX from their US dollar account that they have with them. They indicated to me the correct amount in US dollars plus an additional {$16.00} to cover the wire transfer fee. They wired this money to the Bank of America. They said that no intermediary bank was involved. Thus, they indicated that they sent me apx {$480.00}. 

The money I actually received into my Bank of America account was actually {$440.00}, not {$480.00} ( minus maybe a {$16.00} wire charge on their endthus, {$470.00} ), that it was supposed to be. 

Bank of America charged me a fee of {$16.00} from my end for the wire. They said there were no additional fees, and the money they received and put into my account was {$440.00}, not {$470.00}, the amount that it was supposed to be. 

The company and the banks said they did the transactions accurately and that no other fees were / should have been involved. Both indicate that my problem is not on their end, but rather on the opposite end. So, I am stuck or caught in the middle, missing about {$25.00} of my money, which rightfully belongs to me and no one else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Is about bsi financial service they dont do mortgage modificatin and iam loosing my house. I been here for 12 years also my friend XXXX had been leaving w me i file bankruptcy i been paying since XXXX but XXXX sold it to bsi finamcial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 am uploading proof from a complaint XXXX I submitted. I received a response from the company thank you cfpb I submitted feedback but didnt upload my proof from my transunion credit report. Experian and XXXX are completely wrong for reporting my XXXX XXXX account with a late payment back in XX/XX/2015. The investigation done by XXXX shows proof that these 2 accounts were never paid late.

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 03/23/2018 about Debt collection (I do not know) with CCS Financial Services, Inc. (KS).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: The # XXXX robocalls my cell phone on weekdays and before XXXX. When I pick up the phone and answer, the caller does not respond and hangs up after 5 seconds.

Dates and times called : XX/XX/XXXX: XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX: XXXX   XX/XX/XXXX : I called the company and requested to not be robocalled each morning. The company stated they were unwilling to do this without have all account information verified.

I attached screenshots of the robocalls the company made prior to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX credit informed that the hard inquiries created by fraud activity would be removed from my credit reports. XXXX still states that they have submitted the deletions to all XXXX major credit bureaus, yet the inquiries are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX originated my mortgage and then sold it to Ditech ( loan # : XXXX ) Ditech is refusing to honor my request to start the process to remove PMI. During the transition, there were late fees charged to our note -- directly due to the transition from XXXX loan servicer to another. Funds have been held in suspense since the transition that more than covered the late fee -- yet, Ditech will not honor repeated requests to net the funds in suspence with the late fee.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/2016 we applied for a RV loan of {$35000.00}. We were denied. Our bank informed us that my husbands income could not be verified. We met with the bank and they could n't understand the problem with our application. It sounded like our social security numbers were mixed up and my husband has an additional social security number. Ca n't tell when this happened. My husband submitted a dispute to Experian online and so did I because it effected mine also. We have not been contacted by anyone from Experian and the bank ca n't do anything. We know this is a problem but we can not fix it.

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