milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and theres hard inquiries that are not mines and i been calling all the credit companys for them to take it out to take it of my credit and no body take it out so i need to take it out and asking or ur help because this situation is affecting my credit and there are n't mines thanks any information you need you contac me by email XXXXXXXXXXXX thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 been dealing w/ XXXX , Transunion and   XXXX    for the last  XXXX  months regarding  XXXX  accounts that are presently on my credit report. I have provided information to  XXXX  which advises me that they obtain their information from a third party agency. I obtained the third party division that that  XXXX , Transunion and  XXXX  advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however  XX/XX/XXXX . Transunion,   XXXX    continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since   XXXX   XXXX   however there is no dollar amt attached.

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 03-01-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I received a letter that Bank of America made a decision and closed my account on XX/XX/2018 I attempted to call and ask why and was told me it was a business decision after transferring me from risk department to customer service, they hanged up on me twice. According to the letter, my balance which was over {$5600.00} was supposed to be refunded to me in 10 business days. I received another letter stating that my balance will not be refunded to me. I went into their branch in XXXX XXXX and was told that they have no idea and not responsible for the note. They called their so called risk department for me and i was told that my balance will not be returned to me and refused to tell me why. I work hard for that money and it is unfair and unheard of that my balance should not be returned to me. Please help.

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 02/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was never notified that my interest rates increased for XXXX my loans near the end of last year. As such, my payments went up and I did n't know that until I just happened to look in the portal. Essentially, I could have been seen as delinquent on my loans if I had n't caught it due to the lack of communication from the loan servicer. As a side note, it is generally not a profitable practice to leave your borrowers in the dark about rate changes, it is advised that a form of electronic or paper communication be sent before the next pay date that the rate increase affects.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Hello I talked to them and other programs and repayment plans or options and they said that my plan will just be getting interest but a fixed one and that was not true and another person said I can cancel my loan but I have to give up my degree for the XXXX XXXX. Also on my credit score they put it as a default.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Struggling to pay mortgage

Complaint: Good Morning, My name is XXXX XXXX. My family applied for the hardest hit fund in Michigan due to a loss of my husband 's 15 year job. We were approved, however when my Michigan Hardest Hit fund case manager contacted Mr. Cooper on XX/XX/XXXX to pay our past due balance, Mr. Cooper refused to take payment until I attempted to modify my loan through them. We are not in bankruptcy. I filled out a Mr. Cooper modification request and over the course of a month submitted all documents. My Mr. Cooper 's modification was denied with no options for assistance. We started this process back in XX/XX/XXXX when were two payments behind. 

Now we are at risk of losing our home. Can you please help us? We ca n't afford an attorney, and my husband now has a good job, and we really want to stay in our home. I am grateful for the Hardest Hit Fund program, and do not take assistance for granted. 

I just do n't understand why Mr. Cooper refused to accept the hardest hit fund payment. 

Thanks so much for your time, XXXX XXXX XXXX Mr. Cooper Acct # XXXX Hardest Hit Fund ( Step ForwardCase Number # XXXX ) Advisor who spoke with Mr. Cooper XXXX XXXX- XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NE).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I am need of help on how to proceed with credit card debt : 1. Signed up with a credit card debt consolidation company 2. No results, so stopped sending payments 3. Filed a chapter XXXX bankruptcy 4. Voluntarily dismissed due to large IRS debt on both ex-husband and myself that made payment unobtainable. 
5. Obtained a mortgage modification to save house. 
6. Communicated with IRS to become 'non-collectible ' Currently, credit card debt that had sat idle is now coming forward to collections and I need assistance on how to proceed effectively. 

I 'm afraid that bank accounts will begin to be levied or propterty seized.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Advertising and marketing

Complaint: I purchased merchandise from Macys.com on XX/XX/2016. while it offered macys ' money as incentive to use later. I earned some Money 's money but did not use it all. There was only one week window to use Macys ' money. 

Later I returned one of the products due to its quality. Macys deducted {$20.00} from the money I paid for the merchandise. The merchandise is {$70.00} which could n't earn {$20.00} Macys ' money. Yet, Macys ' took {$20.00} from me. I have contacted Macys several times, but it has refused to credit {$20.00} back to my credit card.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hi, This company Pentagon Federal credit union is basically behaving on ethical. 

They he failed at every attempt to provide Proof that this fraudulently alleged account belongs or have any Bering related to me. There is no one to talk to him when you call in besides customer service periods you are constantly being transferred to the apartment where you can only leave a voice mail and your phone calls are never returned and I can no longer go on like this my credit is shot my credit was ruined this has to come to an end.

I don't know how to go further but I will have to take legal action to the fullest extent of the law and I will keep from now on a very clear record of all my communications showed I need to file another claim.

Nevertheless, experience has not uphold its lore by providing me within 30 days Proof which is they received from the alleged fraudulent account in this case pens fed that there is any accuracy related to me buy more this must be removed not only because it fails every component of the federal Credit reporting act but it's sales the fact that this is my accountant this is not my account I am reiterating.

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 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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: The credit reporting agency has refused to investigate various creditor that I believe are report information incorrect on my credit report.

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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax is allowing XXXX to report inaccurate information on my credit report. XXXX is reporting that I have open accounts with them with outstanding balances. These accounts have been discharged through Bankruptcy in XXXX 2013. I 've reported this to XXXX, XXXX and Equifax. Equifax is choosing to ignore me and allow XXXX to report inaccurate information. I 've sent my discharge paperwork to ALL three Credit Agencies and XXXX but only XXXX  and XXXX are responding. This problem has been going on for the past 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a Bank XXXX mortgage in good standing until XXXX XXXX when the bank failed to post a payment for that month ( XXXX XXXX, we later learned the check had not cleared our bank ) and subsequent payments made on time, were credited to the previous month, making the current month to show delinquent. Bank XXXX transferred our loan to Resurgent Mortgage in XXXX XXXX and Resurgent discovered the mistake and other posting errors that showed the account 60 days delinquent and reported to credit agencies, destroying my credit. The documentation was finally obtained from BA in XXXX XXXX and resurgent offered to do a Loan Modification in order to bring the account to 'current status ' providing we made two months payments for XXXX XXXX and XXXX XXXX, which I made. We completed the Loan Modification documents and submitted them to Resurgent in XXXX XXXX and was advised not to make any further payments until we received the Modified Loan documents. Subsequent communication with Resurgent was not possible by email, fax or phone and we never received the Loan Modification. On XXXX XXXX, XXXX I received a Certified Letter from Shell Point Mortgage Servicing notifying me my home was scheduled for foreclosure on XXXX XXXX, XXXX. My attorney and I made several attempts to resolve the delinquency of {$280000.00} but we informed they could not respond until they officially received the Loan Modification documents which we had send via email on XXXX XXXX and again on XXXX XXXX. On Friday XXXX XXXX we were told they had not received the documents and the five day provision for stopping the foreclosure has passed and the foreclosure could not be stopped. My attorney advises my only alternative is to file personal bankruptcy to stop the foreclosure, which I intend to do.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing this debt with XXXX XXXX XXXX XXXX ( XXXX ) with no resolution. I sent a certified validation letter on XX/XX/18 in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I received a letter stating that this account number xxxxxxxxxxxxxxxx was sold to XXXX XXXX XXXX ( XXXX ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/18 and in return they sent the same letter as the first time. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the XXXX. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: APR or interest rate

Complaint: I took a Balance Transfer in the amount of {$15000.00} on XXXX/XXXX/2015 on my Barclay UPROMISE by Sallie Mae Mastercard. The starting balance before the transfer was {$0.00}. 
The minimum payment each month was between $ XXXX {$150.00}. In the following month ( XXXX/XXXX/2015 ), I made a merchandise payment of XXXX It is my understanding that under the " CARD ACT '' any payments that I make should first get applied to my highest APR component of balance. Unfortunately, it does n't seem like Barclay is complying with this rule and is continuing to charge me interest on that XXXX I made the following XXXX payments after the merchandise purchase XX/XX/XXXX:XX/XX/2015 $ XXXXXX/XX/2015 $ XXXXXX/XX/2015 $ XXXXAnyone of these payments should have covered the XXXX merchandise with a non-zero APR. But Barclay continues to charge me interest on that XXXX purchase. 
I have spoken to XXXX different agents including a supervisor, and I got XXXX different answers. The supervisor stated that they have the right to allocate the minimum payment any which way they want. Only payments above the minimum payment will be allocated to the highest interest rate first. Under this theory, if I had made a payment of $ XXXX $ XXXX {$230.00} then there would have been no finance charges. But their statement has a paragraph that says I had to pay over {$380.00} to avoid interest!!! That 's deceitful! 
Their statement is confusing and makes no sense. It should have told me the right dollar amount to pay in order to avoid interest. I could have paid the $ XXXXI just want to know what is the correct $ $ to pay to avoid interest and no one seems to know at Barcalys!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I called Bayview Loan Servicing to get foreclosure information. The assest manager told me to lock up and leave my house because the sheriff is coming at any time. I do n't have any mail indicating a sheriff 's sale. He told me that I did n't want my house because I have n't paid. He told me that there 's no one else that I can speak with because he 's the assest manager. Bayview took ownership of my home while I was living in another country in 2015 and they completed the paperwork incorrectly. PA is a notary state. I could n't get the document notarized because I lived in another country and they placed that document in my paperwork when they took over the loan and it was signed by someone else with another property listed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with NISSAN MOTOR ACCEPTANCE CORPORATION (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My Tax lien is incorrect, and the Nissan account is still reporting, it 's old and incorrect, so please take it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
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: Transaction posted on XX/XX/2017, Reference number : XXXX. 
The company failed to file XXXX Arbitration case in violation of " XXXX Core Rules and XXXX Product and Service Rules, '' page 704 without any reasonable explanations.

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 05/31/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: We refinanced our XXXX XXXX home with XXXX XXXX ( XXXX XXXX ) in XXXX, and shortly thereafter CitiMortgage apparently bought the loan. In XX/XX/XXXX, we attempted to get a HAMP mod and after paying XXXX payments, were rejected, after we complied with every request. CMI harassed us, ruined our credit, and as my wife and I did not agree about paying the balloon to becoming current again, we separated. 

CitiMortgage has admitted to many wrongdoings and paid XXXX of dollars in fines, but they have also been horrible to us, and completely gotten away with it, and we are fighting for justice, to repair our lives, stay in our homes, and help others do the same. 

In XX/XX/XXXX we fixed our marriage, stopped paying again, and filed suit in XXXX XXXX XXXX. After four years of fighting and paying our attorney over {$25000.00}, and approaching trial, CMI has agreed ( over email ) to a settlement. We do not like the terms, but as our attorney is extremely ill, and we do n't have the money to go to trial, we feel it may be our best option. However, CMI is now dragging their feet, and we are stressed and annoyed. 

We feel that the CFPB might be interested to know more, and potentially help us seal the deal, possibly with better terms. 

Thanks, XXXX and XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Payday loan, title loan, or personal loan (Installment loan) with SYNCHRONY FINANCIAL (MI).
Issue: Getting the loan

Complaint: I have improperly been denied credit from Care Credit, XXXX XXXX. I have a credit card with them for over a year always paid timely where they have increased credit line without request. Care Credit told me over a year ago I had to have credit with them greater than six months. It's been over a year!

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I went online at XXXX XXXX to check out some information on a refinance loan. The next day they called me and took some info I asked them not to run a hard credit check. Apparently they did and could not get any of my scores I talked to them for no more then five minutes and received no info on a loan. All that happened was a hard search is now all on three credit agencies I called to have them removed ( I was on hold for a total of 2 1/2 hrs ) between the three and neither would remove this one hard search. Not to mention how rude they were. I just want it removed. I didn't ask for the search and didn't get it even if I did. Nobody should b treated the way these companies treated me. This was on XX/XX/XXXX at XXXX. XXXX XXXX called and I was on the phone asking for it to be removed till XXXX it took 10 min to appear on XXXX XXXX and now it might be there for 2yrs, a five min mistake. please help. P.S. my credit isn't bad I just want to keep it that way.

Company response to consumer: Closed with explanation