milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a large job camcelled last fall. No money, but I got some Smaller jobs to help pay other bills. We applied for a HAMP modification about XXXX months ago. And the requests for the additional documents never stopped. " Oh, those XXXX are 90 days old now, you have to resubmit ''. Etc. each and every time they ( SPS ) was reviewing my file, they told me " this may be referred to an atty for legal action. I finally said, " are you allowed to say that while we are in the Federal HAMP program ''?. " Everything we do is in accordamce with the law I was told last week. I resubmitted my wife 's XXXX last week. I call back today for an update ( i called a day after I sent the XXXX to make sure they got them, amd they did ) and the woman tells me " your loan has been recerred to an atty for foreclosure. But no date has been set. 
And then she adds " it may take up to 30 days to review the HAMP application ''?! 
Is n't this called dual tracking? Formerly called parallel foreclosure? 
XXXX. 
I have spent the last 3 months linkng up work to get a large chunk of the arrearages paid down, ( XXXX-XXXX out of {$18000.00} ) and am working 6 & 7 days per week. And now they pull this? I thought the various " settlememts '' among the state AGs were to put an emd to this. I will have to speak w an atty about filing a complaint for mental duress. Or similar. Please see what you can do. 
Sincerely, XXXX 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 09/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Billing statement

Complaint: Requested copy of statement that show the credits that changed the reporting balance from {$2500.00} reported XXXX 2016 to {$1900.00} reported balance as of XXXX 2016. I sent a direct request to Capital One requesting the statement for that change but never received XXXX. I did receive a letter saying Capital One was going to change it but never the supporting Credit Card statements showing how the account was credited. Also could I get a verification of the correct address and furnisher name as it would appear on my credit report for account number as reporting in my CFPB complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a letter disputing many inquiries on my credit report to Transunion XX/XX/XXXX. I never received a response. I then sent a follow up letter in XX/XX/XXXX to inform them it was greater then the 30 days and that the inquiries never were investigated and therefor needed to be removed. I spoke with them XX/XX/XXXX and they advised they do n't have to investigate the injuries.

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 06/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Greentree Servicing harassed myself and my family via our home phone by calling multiple times per day every day between the hours of XXXX and XXXX. I was afraid to answer my phone and eventually disconnected my answering machine due to the harassment. Also, we applied for loan modification and restructure and for many months GreenTree kept insisting on more bank statements and would not make a decision. Also, when I would try to pay by phone, they made me pay a service charge for the payment not to be considered late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (NH).
Issue: Other transaction problem

Complaint: I have been trying to link my TD Bank account to XXXX and the bank is refusing to allow this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been speaking to different representatives for over 2 month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed to happen to your 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 12/20/2016 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Transaction issue

Complaint: I ordered XXXX bras and XXXX pair of XXXX boots from XXXX online, using JCPENNEY credit card. This was the end of XXXX 2016. I received the XXXX bras, but the boots were not delivered. Shipping receipt said OUT code XXXX. I drove to local penneys, they had boots in stock similar, so I purchase them. Emailed XXXX via secure email on my XXXX account that I had purchased another pair, please credit me for the online order not received. I have sent XXXX emails, called twice, Faxed twice, Called XXXX reported to them. Still being charged for online order that I did n't received. They all say they can not tell what I order or what I received even with the shipping receipt. They have now place a derogatory remark on my credit for something I 've been billed for but never received. Now, plus the charge, there is interest and late fees.

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 01-12-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Was Trying To Link My Account To An External Account and It 's Blocking Me From Doing So.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Problems caused by my funds being low

Complaint: I had overdrafts on my account and did n't fully understand how I had gotten them I went to the bank where I bank all the time and the teller could n't fully understand what happened so she said the manager is on a conference call and will call you when she is finished, well 2 or 3 hours went by and she never called when I called back I asked is the manager still busy the person said this is me how can I help you so I 'm explaining to her I did n't understand my overdrafts and she said well you had one for a loan come through for x amount of dollars and I said that 's not a loan it 's my car payment and she said well that 's a loan I said I 'm paying a car payment not a loan payment..anyway what she said was XXXX fees were for XXXX transaction I was charged for it pending and for it clearing I said well that does n't sound right she said well you need anything else very rude..i said not from you and hung up ... .anyway I found out that was not true after speaking with customer service but the manager was very very very rude.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Immediately after the disclosure of the Equifax breach, my husband and I placed a freeze and alert on our accounts. We were able to learn that my husband 's data was probably hacked. We then attempted to access our credit reports with Equifax online. My husband was able to access his. But after many unsuccessful attempts to obtain mine, I sent a written request, by certified mail, to Equifax to send my credit report to my mailing address. 

Today, XXXX/XXXX/XXXX, I called Equifax at the phone number provided on their website for customer service, to provide help to " customers with additional questions. '' My inquiry was to learn the status of my credit report and to request a copy of my credit file. ( In a form letter to my husband, Equifax distinguishes between credit report and credit file. ) An Equifax customer service supervisor stated that his department 's only job was to process credit freezes. They are not truly " customer service '' and have no phone numbers for customer service or any other department in the company. And there was absolutely no way for them to access my account or help me in any way. 

Not only did this company lack effective data security protections, but they continue to operate inefficiently and ineffectively. I am very concerned that my data has also been breached and I have absolutely no way of investigating. This company is so irresponsible that they should be shut down. Do they even have a license that can be revoked? 

Is there such a thing as a credit file, separate and distinct from a credit report? I am not sure that I can trust any information imparted by Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Payday loan () with CNG FINANCIAL CORPORATION (TX).
Issue: Can't contact lender

Complaint: I 'm receiving calls from a company who will not give me their name threatening to have my license suspended over a payday loan that I have no recollection of. They are also threatening to have warrants issued against me. Not only will they not tell me their company name, but they will not provide any documentation about the supposed loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RAB, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The following company falsely claims my company owes them a debt : XXXX XXXX XXXX and XXXX XXXX XXXX : ( XXXX ) XXXX ext XXXX D : ( XXXX ) XXXX ext XXXX | bigdcreative.comThey hired the following debt collection agency : XXXX, XXXX Box XXXX, TX XXXX XXXX XXXX : XXXX 've instructing them not to call, email, or continue their harrassment of our employees, but they 've chosen to ignore the law and continue their contact and harrassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Consumer Loan (Installment loan) with Risecredit, LLC (WI).
Issue: Problems when you are unable to pay

Complaint: My personal checking account I had linked to my Rise Credit account for XXXX payments was " Hacked '' into online and Rise Credit failed to/would n't update my new banking information so I could make payments and ultimately " charged '' the account off when I was fully in contact with them and ultimately paid the full balance to include interest. Due to this my credit score dropped over XXXX points and this was 100 % unnecessary

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (Credit card) with Selip & Stylianou, LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I 've received numerous letters from Selip & Stylianou , LLP stating they are authorized to commence judgement enforcement efforts to collect on a debt that has long passed the statute of limitations in the state of NY. The debt charged off in 2003 and the statute of limitations is 6 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have no knowledge of this bill from XXXX Hospital and have requested them to provide evidence of their claim. They never did, it was removed from my credit report and know it is back on.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR).
Issue: Incorrect/missing disclosures or info

Complaint: My dad lives in XXXX and I live in XXXX. A few weeks ago he sent money from Walmart through Money Gram, but before I could pick it up the next day he was hospitalized. I was told by the cashier at my local Walmart that I would not be able to pick up my money because the message she got on the system said that " the money must be picked up in the state designated by the sender. '' I said what do you mean? She said well there is no state listed here. So I called the Walmart where my dad sent it from and they informed me they could n't help me either, and they gave me the number to money gram. I have called money gram and they said '' It does have a state specified it is listed as XXXX. '' But it 's our policy that we do n't allow one to receive money in the same state that is sent from. '' OK so that should be a no-brainer right? It was obviously a mistake on the cashiers part -- no luck. They say my dad has to personally go back to the Walmart where he sent it and fix it. HE IS IN THE HOSPITAL AND CAN NOT BREATHE on his own, so that is not possible!! I emailed a complaint to MoneyGram and in their reply they tell me that HE must CALL an XXXX number they provided on the email. What?? I could have ANY MALE caller to do so if that is so true. Sounds to me like this is their way to make money. Wow.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I received a denial letter from Chase dated XX/XX/2017, regarding a fraudulent application for an XXXX credit card. This is the 8th application submitted in my name and every time I have received a denial letter from Chase. I am a victim of identity theft so I have an extended fraud alert placed with all three credit bureaus. Chase is NOT following the proper protocol when an application is submitted. They are supposed to contact me PRIOR to completing the approval process to confirm I am the one who submitted the application. In all of these instances, Chase has not done that. They have denied each application without confirming my identity. The representative I spoke to, I believe his name was XXXX or something close to that, said that the letter I received is merely a notification that an application was submitted but with the same breath called it a denial letter not once but several times. There is a huge difference between a notification letter and a denial letter. I 've received notification letters from other companies I applied for credit with and they indicate on their letters that they can not proceed with processing my application until they have confirmed my identity. I 've attached a copy of Chase 's letter. This letter is obviously not a notification letter. It indicates my app was not approved due to bankruptcy, which is a clear indication they ran my report to see that information without contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft : The following hard inquiries listed on my Experian, XXXX and XXXX XXXX Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2017 I refinanced my mortgage and paid off Ditech Financial. I have still not received the refund of my escrow account. I have called several times and I have been told that the check was sent. Every time I call I get told the check was sent on a different date. So far I 've been told the XX/XX/XXXX the XX/XX/XXXX and the XX/XX/XXXX. Every time I call they get nastier and nastier and change their story.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (WA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: American Express filed a judgement against me. I settled the debt with them in XXXX 2015. They did n't release the judgement. I found out couple days ago that I still have the judgement against me when I am applying for a mortgage. I called them and asked them to expedite. They said it will take 6-8 weeks, there is no expedite process. I asked why did n't they release it 2 months ago. They said this is not an automatic process. I have to call them and ask them to release. Is this true? Why could they do so? I paid but they still hold the judgement against me unless I ask them to release? I already lost the house I want to buy.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was told that i needed to make my car payment on friday in order to not have my car repossessed. I made my payment on friday at XXXX. I was not told that it had to be in at a certian time. " XXXX the supervisor '' is who I made this arrangement with. " XXXX '' ended up going home early on friday and didnt call the repo company to cancel the repo order he already had put in, and wasnt supposed have even orderedto according to or agreement. That Sunday they repossessed my vehicle. I called them on Monday, the apologized for the error, I went to the car repo center and got my car back, no charge.since it was their error. Now they have me listed as car redeemed and account closed. I still drive the vehicle and i am current. They admit it was their error, didnt even charge me to pick it back up acknowledging it was their error, but refuse to remove the credit report entry stating account closed car redeemed amount due zero. I have asked XXXX XXXX to fix this, he submitted a request. I got the request back in the mail saying they stand by their entry and will not change it. I called XXXX XXXX and asked him again. he said he will not change it and it is accurate. I said then I owe you nothing since you say account bal is XXXX. I said you cant have it both ways. so, either it comes off or i owe nothing as the report says. he refuses to make it accurate. I need your help this is a major problematic company with an excessive amount of customer complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient refuses to lower my monthly payment and suggest that I find a way to pay it or it will just add up. They suggest forbearance and or deferment. I will not do that. They made me do that before and it just added more to what I owed. Completely unjust! 
I have loans for XXXX different schools, XXXX XXXX XXXX XXXX and XXXX University.

Company response to consumer: Closed with explanation