milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a {$15.00} collection on my credit report from XXXX XXXX regarding XXXX XXXXXXXX XXXX, that is erroneous. I have contacted XXXX XXXXXXXX, XXXX XXXX, XXXX, Transunion company. both XXXX XXXXXXXX and XXXX say they show I owe them nothing. I can't get anyone to remove this.

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 12/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I recently opened a Chase checking account. I received a fraud alert from Chase about some transactions. I had never used the account at all. I never received my debit card or PIN number from them. Yet, there were 3 fraudulent transactions on my account. Two of them were at ATMs. I called Chase and opened a dispute. They denied my claim after only a few days. I dont think they even researched my claim. The charges are as follows ... 

ATM withdraw {$500.00} on XXXX/XXXX/XXXX ATM withdraw {$500.00} on XXXX/XXXX/XXXX XXXX {$52.00} on XXXX/XXXX/XXXX I DID NOT MAKE THESE CHARGES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I purchase a hdmi cable with my best buy credit card #  XXXX . The price {$65.00}, I don '' t remember the exact date, but it was sometime before  XXXX     2017. I  was living with my girlfriend at  XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX . WE end the relationship and I moved to  XXXX   XXXX   XXXX   XXXX ,  XXXX  NY  XXXX . I had forgotten about the purchase. Someone contacted me and notify me about the bill, I asked to be forgiven for the late charges and they agreed, because they said they were sending the bill to the wrong address, I when to the store and paid the {$65.00} and they give me a store credit for the hdmi cable because I never use it. I also up date my new address. All of this happen in  XXXX , a couple of months I received a bill for late charges. I paid the late charges because they were reporting it to the credit bureaus as if I was neglecting my responsibilities, and they have the product, and I have is a store credit. I had the problem  with Macy 's de partment store, but they honored their agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to XXXX and requested my free credit report from both Equifax and XXXX. There are no free credit reports issued through this website as claimed. Both companies will happily provide the requested report online -- if I pay for it. For free- they each refused, and told me to fill out and mail in a form with copies of my social security card, drivers license and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Writing to this company last XX/XX/XXXX is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XX/XX/XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated. There is also item such XXXX XXXX which has been removed by the other bureaus and this company refuses to remove.

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 10/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I took loan from Nation Star Mortgage company XX/XX/XXXX. There was PMI at that time which has a Disclosure. This disclosure reads that we can request the PMI cancellation when LTV reaches 80 % or less which reached on XX/XX/XXXX. we have been requesting the nation star to remove PMI from XX/XX/XXXX but the company is not reading the disclosure and just telling us different stories like they need new appraisal where. as in the disclosure it is very clear that all will based on the Original value at the time loan was consummated, This disclosure part of mortgageSee attached disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX  of  XXXX  I pulled my credit report and foun d that Dept. of  Education/  XXXX   was reporting my account as 90 days pat due in  XXXX . This is inaccurate- even on their own page it shows I only did not pay 1 month and that was deferred while my income based repayment plan application processed. On th e Credit reports it shows the month prior to that month the account is in good standing and the month after is in good standing as well. I first sent a good will letter requesting the information be correctly updated- se nt return receipt request  via USPS . That was followed up by being informed to log into my account and dispute the information. I did as was ask ed and approximately 45 days later was notified that the information will be remaining the same, when I called in I was told that they do not re port 30 or 60 days late payment and all late payments are reflected as 90 days past due. I stated this was  unfair and the customer service representative apologized and restated that the information would be remaining the same.   I then contacted the  XXXX  credit bureaus and request the information on the late payment be removed as it was incorrect and sent in the letter to  XXXX .   XXXX   sent notification that they saw this and removed the late payment. TransUnion and  XXXX  declined removal and stated the information would remain on my report as their " investigation '' found it to be accurate- even with proof off their own reports showing the month prior to the " 90 day month '' showing account in good standing and the month after showing paid.

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 04/24/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Taking out the loan or lease

Complaint: I have paid approx. {$21000.00} on a {$14000.00} car and 4.5 years later with no late payments I owe approx {$9000.00}. They have refused my attempts to pay off early by applying extra money to future months instead of applying it against the principal. Arguments are all they offer. ( I will locate supporting documents as needed. )

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly sent out certified letters to Progressive Management Inc asking for validation bearing my signature of debt from this reporting agency and this company will not comply with my requests. This is a violation of the Fair Debt Collection Practices Act. This is affecting my credit score and if I can not get validation bearing my signature of debt please remove from all reporting credit bureaus ( XXXX and XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am trying to buy a home and get approved and raise my credit but my student loans did n't allow me to because they said I was XXXX days past due and I had no knowledge of my payments or whe I needed to pay and they tell me it wont be off my credit until XXXX to XXXX years and it 's not right its it 's unfair when I 'm trying to do right with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXX I received a letter from Capital One Bank that they were decreasing the line of credit of one of my XXXX accounts by {$1000.00}. Be aware, this complaint is not about the decrease in the line of credit itself. One of reasons for the change listed in the letter was : Use of all of your availabile revolving credit has been too high on your Experian credit report I do not dispute that I need to work on getting my outstanding credit card debt down. I do not dispute that it is higher than what I want, however, by decreasing my credit line, they further negatively impacted my available revolving credit ( it, naturally further decreased ) and sure enough I had a downward adjustment to my credit score. I spoke with Capital One 's customer serve on XX/XX/XXXX. I was able to confirm with them that I was a customer in good standing ( this account has been open since XX/XX/XXXX ) and that, at least in the past year, I had not been past due, nor short paid an amount due during any billing cycle. Therefore, I dispute the reasons, listed in their letter, as being the true justification for their action. I presume their justification to be an intentional act to negatively manipulate my credit score and to then use the downward adjustment as a reason to upwardly adjust my card 's APR. And this is the heart of my complaint. By all means, Capital One should have the right to take the action they did. But, by allowing a system that then uses their action as criteria to negatively impact ones credit status, you are allowing the fox to guard the henhouse. And you are presenting the opportunity for lenders and the credit reporting agencies to conspire against honest, hardworking consumers who are trying to live within the rules of a rigged system. As far as that goes, having a request for an increase of a line of credit or applying for a new credit card/loan, negatively impact one 's credit score is grossly unfair. A consumer who works hard to build up their credit score prior to taking out a car loan, for example, is then penalized for accomplishing their goal? I submit that this begs for change. I hope you see this argument to have merit. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have repeatedly contacted XXXX, Equifax, and XXXX for inaccurate reporting and calculation of my FICO score, but they refuse to correct it. 
They have multiple companies " alleging '' I requested credit, and their reports do not reflect my multiple car loans, all paid 100 % timely, in full and paid off, mortgages and student loans all paid timely, in full, and paid off in full timely!

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX sent me a cancellation bill. Before I had moved to my new home I called and told them I was moving outside of their service area. According to the contract I signed I was not responsible for any cancellation fee if moving outside of their area. I received the bill XX/XX/XXXX. I called XX/XX/XXXX and tried to explain they were mistaken, but was transferred in a circle about 5 times before I just caved and paid due to their XXXX tactic to get people to pay for things they were n't responsible for. They cashed my check on XX/XX/XXXX and then sent the bill to collections in an attempt to collect payment twice. I called XXXX and confronted them about it and the " supervisor '' said he 'd look into it. I then called the collection agency which informed me I still owed them the same amount. XXXX never notified me or reached out in an attempt to collect the money due and never sent a second notice other than the original bill which was received 3 weeks ago. They have tarnished my credit which has never had a missed or late payment and they did this over a bill that was paid in full immediately after receiving their first notice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit card () with PNC Bank N.A. (PA).
Issue: APR or interest rate

Complaint: I utilized a promotion offered through PNC Bank for 0 % interest through XXXX XXXX. I have made my payments faithfully on time. I used the credit card for purchases in XXXX and XXXX XXXX. I paid the entire balance of those purchases. I understand that my " grace period '' is waived on all new purchases for the credit card. I also understand that my minimum payments go directly toward the promotional balance. Any amounts paid above the minimum payment goes to the highest interest balance. I contacted the credit card company on four different occasions in XXXX XXXX - the XXXX most recent being XXXX XXXX when I spoke with XXXX and XXXX XXXX when I spoke with XXXX XXXX. I was told by both of these representatives, in addition to the XXXX representatives before that ( XXXX of which is named XXXX XXXX ) that my promotional balance is {$2700.00}. They told me that in order to avoid paying ANY interest or fees on the account, I must pay any amount over-and-above that balance. On XXXX XXXX, my next credit card statement was issued. I have attached a copy of that to this complaint. That statement indicates my total promotional balance is {$2700.00}. I contacted the credit card company today, XXXX XXXX, and spoke with XXXX XXXX who indicated that I must pay approximately {$540.00} to avoid interest charges. I asked to speak with her supervisor and I was transferred to XXXX XXXX. XXXX told me that I must pay approximately {$280.00} to avoid interest charges. I asked to escalate the situation to her supervisor and XXXX indicated that she does not have any supervisors or bosses. She said there is no one else who can speak with me about the matter. I asked to file a formal complaint, to which she did file and gave me a reference number of XXXX. I also verified that PNC records all of their phone conversations. I asked whether she would review the previous calls and she said no. 
I do not understand how my promotional balance can change so drastically from XXXX person to another. I was told by XXXX representatives that it was the same - {$2700.00}. I understand a few dollars here-and-there with fees, etc. I was prepared to pay the balance of my card down to {$2700.00} to ensure I would avoid further fees or interest. However, after speaking with XXXX today, it appears that is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Funding is trying to collect on a debit that had already reached the statue of limitations with XXXX XXXX Bank. Account was closed, marked as paid and then re-opened for around the same amount. With a new account number to continue collecting on a debit that they have almost tripled the original amount owed. It says that this is due to fall off my report as of XXXX but what is stopping them from doing this all over again and extending it another XXXX years?

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My concern is how the student loan repayments are calculated in an income driven repayment plan. I recently re-enrolled in an income based repayment plan with Navient. After doing so my student loan payments doubled what I was paying originally. I have contacted Navient and asked them if there is anything else I can do to lower my payments and they informed me that if I come out of the income based repayment plan that my payments would be higher. The only way for them to factor in only my income is for me to file my taxes married filling separate. I am trying so hard to manage my current student loan payments that is higher than my monthly mortgage payment and am wondering will there ever be a day any time soon when student loan repayments will be based solely on the income of the individual who has the debt and not the household income? Without me having to change how I file my taxes. After I pay my student loans I am unable to contribute anything else to my household. I am the only person paying back my debt, not my husband and certainly not our XXXX year old daughter. I understand the effects of having bad credit so I am working hard to ensure that I am not late or default on my student loans. I have even adjusted my tax deductions so that I could come home with more money to assist in taking the pressure off. I am asking, praying for some type of relief and pray that one day soon someone will hear my concerns and that of others and say maybe we need to rethink this. I appreciate you all taking time to read my concern. 

Thank you in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Consumer Loan (Installment loan) with Scott Lowery Law Office, P.C. (MD).
Issue: Managing the loan or lease

Complaint: I have been paying on a loan to this collection group, XXXX, for over 5 years through a credit counseling agency and the collection group refuses to send me or the counseling agency balance due information or acknowledgment of receipt of payments. When I call, they say they ca n't talk to me and when the counseling agency calls, they can not get documentation or a return call. Sometimes the counseling agency is put on hold indefinitely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: A request was sent to Nationstar XXXX 2015 for a partial release for my account ending in XXXX, which included a {$250.00} refundable partial release request fee. There was additional documents requested by Nationstar for me to submit which was not submitted in a timely fashion. However, at no point in time did Nationstar provide a denial letter for the partial release request nor did they send us the {$250.00} cashiers check submitted with the request.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Back in XXXX, my former husband and I purchased a house together. At some point, the mortgage was transferred to Bank of America. In XXXX, we went through a non-contested divorce, and he agreed and the court confirmed that he would assume responsibility for the mortgage. At the time of the divorce, I contacted Bank of America and requested separation paperwork which I filled out, signed and submitted. Evidently, my former husband did not fill out his portion of the paperwork. I followed up with him and was made to understand that my name was off the mortgage. A few months ago, I signed up for online banking through Bank of America, because my XXXX rewards card had been transferred to them. I discovered the mortgage was still listed in my name as well as his. I contacted my former husband and he told me he was working on refinancing the house. I also called the mortgage division of Bank of America and asked what I needed to do to get my name of the mortgage. I was treated in a very rude and condescending way. The representative said, " I do n't care what the court says. It does n't matter ... .You are responsible for the loan! '' My ex-husband assured me that the refinancing process was underway. Then a few days ago, I received an email from Bank of America indicating that I was in danger of defaulting on the loan and threatening that my credit rating was in danger. I again contacted Bank of America and explained the situation. While this representative was a bit kinder, she again said that it was up to me to cover the loan or that the activity would be turned over to the credit agencies. I contacted my ex-husband and it turned out that as part of the refinancing process ... two payments had been made on the final mortgage payment to Bank of America and they had applied both to the principal instead of to the payment. So it was their own mistake which resulted in the call and the contact. Their choices resulted in a huge degree of stress and fear for me. And they blamed me for it. Fortunately, the refinancing is complete and the account will be closed in two days. But their insensitivity and lack of coordination resulted in a great deal of anxiety for me. I pity former spouses who do not have good relationships with their ex husbands and ex wives. I 'm not sure why court orders do not apply to financial institutions or what measures divorced people must go to to enforce those decisions, but I am very unhappy with the way I was treated by Bank of America.

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