milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WA).
Issue: Loan modification,collection,foreclosure

Complaint: This is my XXXX complaint against US Bank. Every time I do, they send a letter stating I am not authorized, yet every time I call in, they acknowledge that my auth is in. This time I am attaching my conversation log notes so you can see that I spoke to them on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and today. Today was the worst, XXXX said that the negotiator had been leaving me messages. I told her I had received no calls or messages. When I attempted to see what number they were calling, she refused to help me and hung up. I am TIRED of their rudeness. I left yet another message for XXXX the negotiator, I have NEVER received a return call from him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Mortgage (Conventional fixed mortgage) with LAKEVIEW LOAN SERVICING, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is in reference to my mortgage service provider, XXXX, i.e. Lakeview Loan Servicing, LLC. 
I have tried seven times via phone and email to speak with someone about getting my mortgage insurance removed or to initiate the process of reappraising the property 's market value. I have tracking numbers and documentation of who I spoke with in all instances. This process has now taken over four months from initial contact and I still have not heard anything back from them. This process, which I am initiating, is costing me a lot of time and money. They are either inept or are fraudulently not complying with my requests to instate the process of removing the PMI. 
The Homeowners Protection Act of 1998 gives you the right to request the cancellation of the PMI premium that is added to your loan payments. This untimely response seems to violate my rights under the 'Non-High-Risk Residential Mortgage Transactions ' section of the act.

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 04/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Earlier I submitted a first complaint ( #  XXXX   ) aft er the response from the company ( navient ) I called them yet was given another run around. First person I spoke to appeared to be very nice and told me that the payment of {$280.00} is available for extended repayment. However, I can talk to another department and they  may l ower it even further. He transferred me and appeared that they had no idea what I was talking about nor willing to do anything at all they even refused to grant that {$280.00} payment. Then I was turned over to another person who told me to call in before the payment is due. Also I was looking through a credit report and the last I was talking to  Navient, they promised to take the delinquency off the credit report if my payment will be met, ( which it was ), however th e delinquency is still on it. Another lie and run around from navient.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in 2014 I was looking to buy a new car and I was preapproved for two loans one through XXXX XXXX XXXX XXXX and one through USAA. I was referred to XXXX XXXX XXXX in XXXX DE but they Told me that they did not carry the type of car that I was looking for but they could take me to the Auto Dealer Auction with them and I should be able to find the vehicle that I was looking for. I agreed But they said I would need to give them proof that I had the funds before they would bid on a vehicle For me. To support that I had the funds I gave XXXX XXXX XXXX both of my pre-approvals. We went To the auction a few times and then we finally found a car. To make a long story short I decided to forgo the loan and I bank wired the funds for the vehicle. After I paid for the car XXXX XXXX   still processed both auto loans without my consent. I notified the XXXX DE police and they were tried and convicted of fraud, theft, identity theft and forgery ( Case number XXXX ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On my report is states that I have XXXX XXXX XXXX XXXX XXXX accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed twice basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Trouble during payment process

Complaint: When I make payments they are not processed properly so that it shows I am always late by a few dollars and New late fees are added. I pay those fees to just get rid of them and then next month there are new fees and they tell me the additional money paid was either put towards principle or in escrow by mistake. A mistake is once not over a time of 2 years. This is clearly a purposeful, illegal violation of my rights. I am stuck and do not know where to turn. They have wrecked my credit and no matter who I talk to it never gets resolved. Most recent, monthly bill was XXXX was told was late 2 months. I said pay what I need, they said XXXX. I said ok, then 10 min later on same call, oh you didnt owe that, you owed XXXX. I said just put the extra towards principle and then the regular amount will be due XXXX before the XXXX. I get the paper statement for the XXXX payment and its for XXXX with another XXXX in late fees and more bad credit reporting. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Currently you have a lawsuit with Navient and XXXX XXXX and did n't know who to contact about my same issue with the company? I have taken loans from XXXX XXXX and they transferred them to Navient. I am currently in a forbearance program and racking up interest. I did n't know if we were part of the law suit or what direction should I take to get some relief? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collecting interest accumulated. ..not really money owed on bal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: MY INSURANCE COMPANY, XXXX XXXX & XXXX XXXX SAYS BILL WAS SETTLED

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There is a duplicate item on my credit report with equifax. I have told them both on the phone and through the dispute process that it is a duplicate. Its obvious as well because both accounts have the same balance and the same account number. For some odd reason there is a different reporting date. I talked to the reporting company and they said that they agree it is a duplicate. No matter how many times I dispute this item equifax refuses to do an actual investigation. Its unreal that they could get away with incompetence on this level.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient made is difficult to schedule income-driven payment plans also did not disclose annual deadlines to renew

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I applied for a American Express XXXX XXXX card with a XXXX  XXXX points bonus after {$3000.00} of spend in the first 3 months of the card being issued. My credit application was approved and card was issued on XX/XX/XXXX I met the spending of {$3000.00} in XX/XX/XXXX. Statement closed on XX/XX/XXXX. I have yet to see the points posted to the account. Have spoken to Amex representatives several times and they do not know why the points have not posted and have opened a case. They keep telling me that the points will post 6-8 weeks after meeting the spend. It has now been 11 weeks and no one can tell my why the points have not posted. They say they have opened a case and it 's ongoing ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.

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 12-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification. In response to CFPB Case number : XXXX, Bank of America representative XXXX XXXX requested that I submit a Form XXXX On XXXX XXXX, 2016, I submitted a Form XXXX to Bank of America and XXXX XXXX XXXX XXXX XXXX then requested that I submit a letter of explanation of monthly expenses. On XXXX XXXX, 2016, I submitted a letter of explanation of monthly expenses to Bank of America and XXXX XXXX. On XXXX XXXX, 2016, XXXX XXXX requested that I submit a letter of explanation of additional monthly expenses, a letter of explanation for business income, and a letter of explanation for retirement income. On XXXX XXXX, 2016, I submitted a letter of explanation of additional monthly expenses, a letter of explanation for business income, and a letter of explanation for IRA income to Bank of America and XXXX XXXX. On XXXX XXXX, 2016, I received a letter from Bank of America dated XXXX XXXX, 2016, asking for the same documents that I had previously submitted : a Form XXXX, a letter of explanation of monthly expenses, and a letter of explanation for retirement income.

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 11-09-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was charged with fradulent charges by a company that has a history of fraudulent charges, known as XXXX XXXX XXXX XXXX. There are REPEATED cases of fraudulent charges made in their financial gain of the same financial amounts ( charges made in {$50.00} or {$75.00} increments ) - it is clear that there is company involvement in these fraud cases. 
See more : XXXX5

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease

Complaint: XXXX XXXX Santander Consumer issued the following statement regarding the warranty refund of my vehicle : " With regard to the status of the warranty refund please be advised that the customer is responsible for any further follow up with the warranty company regarding the processing of the refund. We respectfully suggest that you contact XXXX for an update on this matter. So I did just that. Contacting XXXX ( an XXXX XXXX XXXX XXXX about the warranty, and here 's what i found out. Speaking with a Sguard representative named XXXX, she stated that Santander consumer was refunded back 100 % of the warranty and that Santander wanted the refund expedite. The warranty was cancelled by XXXX on XXXX XXXX, 2015. And Santander was indeed the company that funded the warranty. ( see attachments ) XXXX placed me on a brief hold to get her supervisor named XXXX who confirm this, but refused to give anymore information on this matter. XXXX stated that she would have XXXX XXXX in Legal and Compliance contact me with more information. At some point someone has to see how corrupt Santander is, their main purpose is to exhaust all their avenues rather than refund the warranty. When I do buy a car again you can best believe Santander comsumer USA, XXXX will not be financing my vehicle. This the most unprofessional, corrupt business I have ever had to deal with. Good luck with any and all lawsuits against you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Utilizing My Fico I pulled my XXXX bureau report as I do annually to check my credit. There was a collection reported from XXXX XXXX. I called XXXX as I have a current account with them, and they explained that they did not transfer the account correctly when I moved XX/XX/XXXX, despite my account email and login remaining the same. I just transferring service to new address, it was not a new account and I continued to pay my bill on my account as I always did. They did not send this information to our new address either. I never received notice of an issue. I paid the balance and confirmed that my account was correct and current, that any further issues were resolved. I spoke with XXXX confirmation # XXXX. I was unable to dispute with the credit bureau because I keep having issues with their systems. This collection was a transfer mistake made by XXXX as my account has remained with them as long as I have been a customer and I pay every month, it is an issue they had when I moved and they agreed it should be removed but told me the credit agencies needed to do 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
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been attempting to refinance or settle my loans for years. I have sent letters, called, faxed, and I keep getting sent to different departments or phone numbers, all of which direct me back to Navient. Navient will not help me. They claim they have no record of correspondence I have sent, even though I have confirmations. I requested new payment arrangements, they put it in forbearance, which led to HUGE increases in interest. When I was unemployed, they did nothing about income based repayment, but deferred it and charged 9 % interest. Now, my {$15000.00} in student loans are up to {$40000.00}. I have tried to discuss income based repayment, but have gotten no where. I have tried to settle the loans for a lump sum, but first they told me they were processing it. Then, they told me they had NO record of my request. Then I was sent to the Federal Student Aid department who told me they had nothing to do with this. I work for a non-profit. I have been there 6 years. I could be through a large portion of forgiveness, but i have been forced into forbearance and deferment to my detriment. I have been lied to, misdirected, poorly advised, and given different answers every time I call. I want to make a settlement on my loans, refinance them,. anything. I am XXXX years old and I can not go into retirement with loans at 9 % of {$40000.00} when I borrowed only {$15000.00} and graduated in 1996. Please give me direction as to WHAT I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Other fee

Complaint: The Macy 's credit card charges a minimum {$2.00} fee that I was n't aware of. 

Between XXXX XXXX and XXXX XXXX, I had a balance on the Macy 's store card of {$120.00}. I paid that balance off on XXXX XXXX. Because I had a balance between XXXX XXXX and XXXX XXXX, I was charged a " MINIMUM INTEREST CHARGE '' of {$2.00}. 

I called Macy 's to inquire about this {$2.00} charge since I have never seen it before and certainly not what I signed up for. To my surprise, their automated phone system gave me the option of removing that {$2.00} interest charge as a " courtesy ''. 

I believe this this practice to be illegal since the interest on a {$120.00} for 4 days that the balance carried over with my current APR of 24.75 % is no where close to {$2.00}. 

I would like Macy 's to be investigated for this practice.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: there are several fraud inquiries on my transunion report that were never authorized by me from these creditors, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX and i have disputed these with the creditors numerous times and they all need to be deleted from my credit report asap by transunion

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 04/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion has old addresses on my credit report that do not belong to me address is my aunt 's address. XXXX XXXX XXXX XXXX XXXX, PA XXXX Also has my mother 's day care as a place of employment for me. Never worked for my mother XXXX XXXX XXXX XXXX Names that appear on my credit report are also incorrect My name is XXXX XXXX XXXX Names reported are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A debt that I paid off almost 4 years is still showing 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 non-monetary relief
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with MRS Collections LLC (PA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: We are currently behind in our sewer and have been working to pay off our balance. The employees that work for Modern Recovery Solutions are rude and impossible to deal with. They told us they placed a lien on my property and that is not true. I verified this information w ith our county re corder of deeds. They are also threatening to shut off the water to a house we no longer live at. The water is no longer in our name and closed. They told us that we have to apply for a loan and provide a denial letter to be eligible to make payment arrangements. We can not afford an inquiry on our credit just to prove that we can not get a loan to make payments. How is that even a legal request to make a consumer apply for a loan to be able to make payment arrangements?

Company response to consumer: Closed with explanation