milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2017 about Credit reporting () with CAC Financial Corp (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no business with this company. I have no knowledge of money owed to this entity.

Company response to consumer: Closed
Consumer complaint received 03-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My server is Navient and this past year 2016 when i sent in all documentation in XX/XX/XXXX or XX/XX/XXXX for a recalculation of my income based repayment payment they started giving me the run around about not having all the documentation needed. I would speak to one rep who would say your payment is XXXX/month then i 'd get a bill for XXXX/month and this went round and round for 6 months with me being left on hold for over 30 minutes to wait to talk to a manager ( i would just hang up after 30 min because no one ever picked up on any call i made ), i would fax what they requested and be assured it would be taken care of only to keep getting bills for XXXX/month plus late fees and when calling i would be told they never received the fax or mailed copies. this went on until i started threatening to report them to any and every federal agency i could find then one day when i said that i finally spoke to a manager who cleared all late fees, and corrected my payment to be XXXX which is what i knew it should have been all along. But then after that the first bill i got was for more late fees and when i called they said it was from something else ( some other payment that was late and my payments were always within the grace period time, they were never late ). I then set up my bank to auto transfer my payments 5 days before due date so they could no longer try and say my payments were late. Even though they resolved my issue, it took 6 months and a lot of XXXX i did n't need and they did get some late fees from me which i should not have had to pay because of what i thought was incompetence but now i know it was just a scam to get money. i have all calls, dates, times and who i spoke with and what i was told all documented.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Hello., I disputed through the BBB XXXX accounts by a company called XXXX on my credit report thinking there would be no problem with them being removed. XXXX and XXXX removed them all as unverfiable. Equifax to the BBB that they verified the accounts, but I dont believe so. The information Equifax gave me was the exact contact information that was on my credit report. They did not give me names of representatives. Nothing. I am just very confused why they havent removed them. The other XXXX credit reporting agencies did. I also have XXXX more collection that is on my account that is reaching the seven year mark. I would kindly like it removed if possible. Its from a company called XXXX XXXX. I really did not want to open a dispute with them through the CFPB, but knowing the fact that XXXX and XXXX removed them all is really alarming to me. I am attaching XXXX documents showing that both these agencies did indeed delete them.I also would NOT like a message to the CFPB saying " we are working '' on it and making me wait a lot longer. I want this derogatory information removed upon receipt. Also Equifax has blocked me from opening a new dispute. In there dispute center. I put it in about 10 times and submitted. I have XXXX confurmation numbers saying these accounts are under investigation, but in actuality. I XXXX back into the dispute center and the dispute is if it has never happened. I would like this practice by Equifax investigated as well. I can provide all those dispute numbers in the future as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion has fraudulent accounts on my credit report. The accounts are listed as XXXX XXXX XXXX and XXXX XXXX. I have never done any business with either of these companies. I have provided them with a police report to prove that I am a victim of identity theft and they 're still reporting these accounts as mine. They are in violation of FCRA 605 B.

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 04/14/2017 about Other financial service (Debt settlement) with DOAN SOLUTIONS (KY).
Issue: Excessive fees

Complaint: I contacted  XXXX  for student loan consolidation and forgiveness. I am not sure how DOAN SOLUTIONS got my information, but I was contacted by them to send in documentation to finalize my request. I sent in the documentation and gave them information to take  three ins tallment payments from my account, thinking they were part of  XXXX . I called  XXXX  to ensure all documentation had been received and check status of my consolidation. I was informed that they had not received any documentation or any payments. I was also informed that the services being offered were free and that I should not have been paying and that my student loans were in default. I am not sure how DOAN SOLUTIONS got involved with this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Last XXXX 2015 XXXX of their staffers called me in representation of XXXX to settle a balance of {$150.00} that I had with XXXX for XXXX services. Nevertheless the evidence shows Credence Resource never paid XXXX that balance because XXXX kept sending me letters for no payment despite I submitted confirmation number of the payment I got from this debt collector. Recently I had to pay {$150.00} to XXXX to restore services. 
The amount paid to CR was {$73.00} on XXXX XXXX, 2015 and the confirmation number is XXXX. So that I ended up paying {$220.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Other

Complaint: This is a complaint against American Express, for several reasons to cite :1 - discrimination. 
2 - Disrespect. 
4 -XXXX promotional information on their services. 
This is a card unicamnete service for people to demonstrate for them and demonstrable revenue soaring with the IRS and bank intuciones. 
My case is as follows my will approved me a gold card services one week after use without warning decided to block the card because they believed that there was a fraud, go MADE ME shame to waste my time and do not value them, go to a bank where I have account, receive a fax from them and having to send all the documentation needed to verify my identity, from XXXX passport and driver 's license to test direction and these had to be notarized by the banking agent, because their views could be false and fax sent from the Bank. Disrespect, discrimination. 
However continue gave them the requirements, but as this was insufficient for them, the second week demanded me I had to pay off the card because he had reached the limit of what they can spend and consider that if he did not in my 3 days block serious card. 
Break the rules, the monthly payment is not quinsenal. Liars. Mislead consumers with their promotions. 
OK. I made a payment within a month to avoid interruption, now I block the card because they need to check with the IRS if I make money or not, because they do not feel that I will be able to assume this responsibility. Disrespect again. n a nutshell is XXXX alerts to me say I can not be part of its elite because I have no money according to them, discrimination, and as the only way they know if I have money is figuring out my life with the IRS

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint reports the unfair debt collection practices on the part of PHH Mortgage Corporation. Please see the enclosed Word document for details. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NJ).
Issue: Application, originator, mortgage broker

Complaint: Today I was informed by CitiMortgage which is my mortgage co. that once again I have been denied a loan modification. My acct # is XXXX. I reside at XXXX XXXX XXXX in XXXX, NJ XXXX. My initial application was in XXXX, the mortgage co. at that time lead me on for more than a year and a half with the hopes of an approval, there were numerous correspondences only for the big let down, now here come the foreclosure letters. threats from their lawyers, in and out of court to stop lockouts. CitiMortgage told me in order to get in good standards with them that I would have to give them at that time excessive amount of {$31000.00} plus. I reached out to a grp. called XXXX, who has been nothing but professional in every way. XXXX submitted a file with the mortgage co. on XXXX XXXX, XXXX and in that time alone CitiMortgage has tried to put the foreclosure in effect at least once each month. CitiMortgage says that I have been denied again due to no change in my income, which is not true in XXXX I became a Commissioner with the City of XXXX which comes with a stipend paid in quarters, although I have not received a raise in 9 yrs. I do not believe that the CitiMortgage is doing an actual review there are so many inconsistencies ... .I am in need of some help ... .this is a family home ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2016 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (WA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: 2 days ago my wife and i received phone calls from private number stating they have paperwork to deliver with lawsuits, then I received a notice in the mail from XXXX stating I owe XXXX from a debt that is over 14 years ago that was not even mine. It was a identity theft. I called the number on the bottom of the paperwork XXXX which is a robo number stating I could win a 100 dollar gift card to merchants like target. I did not speak with anyone. This is a scam company and please review the letter I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: There is an account on my credit report from XXXX that is not mine. I had sent a letter asking for validation they couldnt prove validation and said it was going to be deleted, somehow it got put back on without any acknowledgment and I disputed it again and all that happened was a summary put on my credit report stating account validated. How can they validate this? I have not received any kind of validation or proof of contract with my signature with 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 03/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Lender refuses to postpone foreclosure sale to complete borrower 's loan modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit card () with U.S. BANCORP (NC).
Issue: APR or interest rate

Complaint: I need to file a formal complaint regarding my XX/XX/XXXX credit card statement from US Bank. I was incorrectly charged interest of {$100.00} on this statement. I had a 0 % purchase transaction balance on this card which expired in XX/XX/2017, which I made a payment of {$8600.00} on XX/XX/XXXX to fully pay off. However, US Bank applied this payment to my 0 % balance transfer balance, which does not expire until XX/XX/XXXX. This is an Unfair and Deceptive Act and Practice. I am requesting that US Bank refund the interest charge of {$100.00} and reinstate the 0 % rate on my balance transfer remaining balance until XX/XX/XXXX. Please call me at XXXX if you have any questions. 
I already tried to resolve this with US Bank by sending them a secure email while logged into my US Bank online account. However, instead of processing the complaint, they sent me the following ridiculous message : " While we look forward to being of service to you, unfortunately, we are unable to match the verification information in your request to what is listed on your account. '' Why would they be unable to verify my information when I was logged into my account to send them the complaint? This seems to me like they are just trying to AVOID processing complaints from their customers.

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 06-09-2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing statement

Complaint: My Home Depot consumer credit card was past due because of a quick prompt in the online account.. some how authorization of paperless statements was selected and thus I never received notification of payment due by mail. This is a joint account I rarely use. I need a statement or phone notification to alert me a payment is due, not an email to that ends up in spam. In XXXX years I have not had a late payment and I am frustrated by the irresponsibility of the creditor to not insure consumers are receiving statements and able to make their payments on time. This creditor advised me when I called that incompetence is a regular occurrence and their system in not perfect and that many consumers do they not realize they are electing for wireless statements. Is it not the creditors responsibility to be sure their consumers want to be billed this way especially since this is an option and not an account requirment???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Using a debit or ATM card

Complaint: helloI need your help.. 
I had checking account with Scottrade bank. On XXXX 2014, i saw some usual transaction from my account so i called in and filed dispute on those transaction, it was around {$1000.00}. then later on bank send me a letter saying they denied dispute and they took the money from my account. and i found out my sister used it, i gave her card number in case of emergency. so i did n't bother to call bank again and totally forgot about it. till last week, i was checking my credit score since i am applying job, I found i have XXXX collection against me. so i called in and found out this collection was for that dispute i filed last year. so i explained to them this fund is paid, bank took money from my account and release the fund to merchant. I called in the bank and tried to get the statement so i can show the collection agency. Bank put me hold forever and told me they need to do some investigation and need to call me back. i said ok. I got the phone call 2 days later, they said they are really sorry, and they did n't realize they still have those money with them and they will send XXXX XXXX something dollars check to me today. I asked them how come they kept money more than a year and half and never notify me or merchaint about this, and they said there were some confusion. they should 've let me know but they didnt. I moved last year, and i did n't get the collection notices too. Now i need to pay {$1500.00} after all those late fee and interest charges in order to remove the collection from my credit report because they were confused and forgot the notify me that they did n't release the fund to merchant and or me. and accusing me it is my fault originally because i filed dispute. i am so frustrated why it is my fault. they probably kept the money forever if i did n't find out. i do n't understand how can bank make this kind of mistake. its not XXXX cents. it is over XXXX dollars. they need to take the response and take care of this matter. 
Pls help me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: To Whom this may concern. 
I have on multiple occasions attempted to file disputes by phone with Transunion regarding multiple hard inquiries on my Transunion credit report. Each time that I have attempted to file a dispute I am being told that I have to contact the creditors to have the inquiries removed. When I contact the creditors they advise me that I have to dispute them with the credit reporting agency. Transunion representatives will not allow me to file a dispute regarding the hard inquires that I did not authorize. This is an unfair practice and it is affecting my credit negatively and that is the reason for me filing this complaint. The inquires are not authorized by me or a result of me requesting credit, insurance or employment or the result of a court order and I want them removed. Immediately. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: JP Morgan Chase continues to defend themselves by saying that they were in the right and that the foreclosure on our home was valid and basically " by the book '' ; However, while it might have been end the end, it was NOT because it should the never gotten to the point of foreclosure in the first place. They continuously accuse me of lying by saying that I did not get the requested documents in to them in a timely Manner when I very much did so ( as did the law firm that was helping me at the time ) AND they also basically accuse me of lying when I report that a representative at JP Morgan Chase told me that she could not take a temporary payment that I was set up to make and after I have made consistent temporary payments for several months. She said that she could not accept it because the loan was under a modification review. Well, .... that IS why the temporary payments were set up in the first place. 
Every time I report JP Morgan Chase all they do is send the same response only changing the dates on the letter. No one even takes the time or cares to truly investigate my reports, let alone offers a reasonable or satisfactory resolution. They screwed us over and left me homeless by not processing our request for a loan modification promptly and then turned around and tries to blame it on me for not getting the requested documents to them in a timely manner when I most certainly did. 
I have reported this numerous times and will NOT stop reporting it until a satisfactory resolution is made to us for this debacle and XXXX on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In XXXX of 2016, I discovered a public record of bankruptcy on my Trans Union credit report. Using the address TransUnion provided, I attempted to contact XXXX XXXX Bankruptcy court using the address provided by TransUnion and the letter was returned as undeliverable. TransUnion is responsible for providing accurate contact information so that consumers may verify accounts. I contacted TransUnion via certified mail requesting that the item be removed due to inaccurate reporting and included copies of the returned mail as well as the timestamped report showing the inaccurate creditor address, and they replied via mail stating the item was verified and did not remove it from my report. They did not provide any documentation bearing my signature or mark the item disputed. An employee finding my name in a third party data mining database does not constitute verification. 

I am aware that federal courts do not report to credit bureaus and that they did not provide signature verification to any of the reporting agencies.

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 08/17/2015 about Bank account or service ((CD) Certificate of deposit) with E*TRADE BANK (NV).
Issue: Account opening, closing, or management

Complaint: I opened a CD account with ETrade Bank on XX/XX/XXXX in the amount of {$1000.00}. I made no further deposits after that date. When I recently checked on the status of the account by phone with ETrade bank they told me they have no record of the account. I have the actual CD in my possession. It shows Account Number # XXXX with a annual renewal term and Interest to be paid Quarterly to the Account balance. After speaking to ETrade and getting nowhere I did some research and found that ETrade had sold their CD accounts to XXXX XXXX on XX/XX/XXXX and that all funds would be transferred to XXXX XXXX beginning XX/XX/XXXX. I contacted XXXX XXXX and they confirmed that ETrade accounts were purchased but when I asked them to research my account they were not able to find it. This account should be worth {$1700.00}. I find it ludicrous that neither ETrade or XXXX XXXX has been able to provide any information regarding this account. I would appreciate any help you can offer to resolve this issue as I could put these funds to good use. Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Bank account or service (Other bank product/service) with Servis One, Inc. (CA).
Issue: Making/receiving payments, sending money

Complaint: I made a timely payment electronically to BSI Financial. I received a notice that the payment had been scheduled. The payment did not get processed. I emailed and then called BSI to find out what the problem is. They can provide me no explanation for why my payment will not process, they can not locate a supervisor to talk with me and they will not provide me the information of the government agency they are accountable to. How can I get BSI Financial to properly process my on line loan payments?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation