milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2017 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm the victim of identity theft as a result some of the information on credit was fraudulent. I have requested these information to blocked, but the credit reporting agency failed to do so. 
XXXX CARD with the balance XXXX XXXX card with the balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 a major issue with the credit bureau in regards to its reporting of several account from XXXX XXXX. I do have a few accounts with XXXX, however there are some accounts that I personally did not open and I also have duplicate accounts, well they are not necessarily duplicate, however they are from the same company for the same card with different account numbers where neither of these accounts were open by me. I have disputed these inaccurate accounts with the creditor and also with the credit bureaus. I have send request for validation of debt to the creditor by way of certified mail. I get no response and the credit bureau all though they are aware of these non-responded validation of debt request they refuse to remove these account from my credit profile. I have followed all necessary steps required by the fair debt collection and fair credit reporting laws and still have gotten nowhere. I would like to have the following accounts researched and deleted ASAP from my credit profile. I have given below both accounts that are mine as well as the ones that are NOT my accounts. 

Accounts to be removed : XXXX XXXX/ XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX {$4500.00} XXXX XXXX/XXXX XXXX Account # XXXX and Account # XXXX Dont know why there are 2 XXXX XXXX accounts reporting for one person, but ... ... Both needs to be removed as I never applied nor opened a XXXX XXXX account. 

XXXX XXXX XXXX DC Account # XXXX *************Accounts that are mine and not in dispute*********** XXXX XXXX/XXXX   store card Account # XXXX XXXX XXXX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX While I am aware some accounts are mine. Some are not and I have followed what I should to have these removed and nothing has happened.

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 09/30/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Asset Acceptance LLC is reporting the wrong Date of First Delinquency on my credit report. The Original Creditor, XXXX XXXX XXXX XXXX, is showing a first delinquency date of XXXX. Asset Acceptance is showing a date of XXXX. According to the terms of the FCRA 623 ( a ) ( 1 ) ( A ), the collection agency Date of first delinquency must match that of the Original Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification for a loan that I have with Bank of America that I originally was obtained through Bank of America. I started this process in XXXX 2015. I finally was sent to underwriting and was declined ( of course ) on XXXX XXXX, 2015. I filed an appeal on XXXX XXXX, 2015, but only received letters and correspondence stating " We require additional processing time to review your appeal ''. When I contacted the author of the letter today, XXXX XXXX, he told me that it was past the appeal processing time as I had not submitted the supporting documentation. He gave me conflicting information as to was I was denied my modification and the appeal. I was initially told that I made too much money for this modification. Today I was told I did not make enough money. I questioned further and this supposed calculation was without the requested loan modification. He said I did not send in supporting documentation, but I have not been asked to submit supporting documentation. This process has become so convoluted, that each " Home Loan Team member '' does not know what each other has been doing and I believe that Bank of America has been making this process so difficult in order to make it impossible for me to keep my property. I can not get a lower interest rate for this loan and now I have been told that I can not get a loan modification. This loan was originated by Countrywide Home Loans and I believe that this was a predatory loan. I have contacted the funding company, who is Bank XXXX XXXX which this was never disclosed to me XXXX. It appears that Bank of America would rather keep the extra {$500.00} per month that I believe I am entitled to in order to keep my property. This loan was funded before interest rates decreased : 7.12 % and I have been trying for years to refinance and now modify without success and have been given numerous reasons during these processes. I do not want to lose this property and have done everything that I can to keep up on the payments. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 recently sent a dispute into transuion asking the company to deleted unauthorized fraudulent inquiries. XXXX and XXXX have deleted these unauthorized fradualent inquiries, but transuion has n't. The inquiries are still associated on my transuion report. I have attached proof that that these inquiries were deleted from my XXXX credit report and no longer reports on my credit report. I formally request that the following unauthorized inquiries be immediately removed from my transuion report to show my true credit history, as these items should not be reflecting 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 12-08-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: i paid several companies a large sum of money for an at home business.to make a long story short i was XXXX was shocked when i called my XXXX card and they told me they could not help me.in XX/XX/2015 i paid XXXX XXXX and XXXX charges of XXXX XX/XX/2015 i paid XXXX XXXX charges that added up to XXXX i paid XXXX XXXX charges to XXXX explained to my card company that i was not rendered any services at all.i was told i had 540 days to dispute these charges as charges for undelivered goods and services.these companies also violated the telemarketing and consumer fraud and abuse prevention act.this all fell on deaf ears. if these laws are in the books should my bank follow them.i think my bank is not treating me the way i should be legally.with all my claims and defenses how can my card treat me this way.how can a company like XXXX do business with these merchants.i would like an explanation from my card as to why i was turned away.i forgot to mention to the bank about scamming the elderly another crime. needless to say i am very confused about my situation with 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 explanation
Consumer complaint received 09/28/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NC).
Issue: Taking out the loan or lease

Complaint: I have XXXX complaints, the first is that I believe I was discriminated against, with an XXXX credit score I received an interest rate at 5.64 %. I am unable to disclose the names of individuals in my same situation with a credit score less than mine at 3.88 % and one less than that.. My second complaint is, my daughter had a XXXX in 2015, in an attempt to assist her while she was out of work I agreed to co-sign for a refinance auto loan ( same as above ). The documents were sent with both our names, we completed the forms and sent them back. According to a auto finance rep, there was an error and documents were reset to my home, labeled with where I should sign. My daughter went to trade in this vehicle for a lease and this is when we found put that she was not on the loan contract. We also discovered that this is an issue because I am not on the title or vehicle registration. They told us I just needed to be on her insurance. The dealership could not get title from Wellsfargo, Wellsfargo said that the title is " not perfected ''. We called the original loan company, XXXX XXXX XXXX and they explained that they did not release the title to Wellsfargo, but they will send the title to my daughter. We are confused and hurt. My daughter has not gotten any credit for her excellent payment of the loan, because her name is not listed on the loan docs ( they were originally, she initiated the loan ). We are in a bind and want to know if this is legal. Also they neglected to tell us that this loan was for 72 months at XXXX. My daughter has already payed XXXX for this honda accord as she had it for three years ... Now she 'll be paying XXXX over 6 years for a car that is 5 years old. At the end of the term she will have paid XXXX for a XXXX car. What have they done? 

We called to refinance yesterday and they now say that there is something wrong with my social security number. Well I have had this social security number for XXXX years, It is the same ss # they used to approve the auto loan last year and I have been a customer for over 20 years with wells fargo, so why now is my ss # a problem, again discrimination.

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 06/24/2016 about Credit reporting () with EQUIFAX, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Received my Equifax XXXX credit report and there was a credit card on my report that I did not apply for from XXXX. I called the fraud department of XXXX and they would not help me unless I agreed to a disclosure statement which I did not want to agree to. XXXX made several errors resulting in them issuing a credit card under my identity and would help me resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: CREDIT SUPPRESSION REQUESTED BY ALL CREDIT BUREAUS.   XXXX   XXXX   EXPERIAN AND  XXXX .     PER THE  F.C.R.A  LAWS.

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 03/31/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (LA).
Issue: Credit decision / Underwriting

Complaint: My name is XXXX XXXX and I have a mortgage loan with U.S. Bank Home Mortgage. A natural disaster occurred on XXXX XXXX, XXXX and XXXX XXXX gave a check with my name and U.S. Bank Home Mortgage for {$6400.00}. The contractors that repaired my home is XXXX XXXX and U.S. Bank Home Mortgage is refusing to pay the construction company for the materials and labor that was purchased out of the construction company budget. My home had damage from Hurricane XXXX and I was given Road Home and FEMA grants to place a new roof, the storm windows, air conditioning unit and repair the fence around the home. U.S. Bank Home Mortgage is withholding the money that belongs to the construction company. XXXX XXXX bought the material to repair my home and had XXXX employees that worked on my house for two days and U.S. Bank Home Mortgage is refusing to give the construction company the money from XXXX XXXX for the repairs of the home. The company bought all materials and use their employees and U.S. Bank is holding on to the repair money for themselves and the work on my home is completed. I am sending the receipts from the money I received from FEMA and Road Home to prove the claims the U.S. Bank did not sell me a new roof, fence and the XXXX building my husband and I add ten years ago. When I pay U.S. Bank every month it is only for the XXXX building I was sold in XXXX XXXX. They did not sell me the fence I added to the property, I added XXXX storm doors in the front and back of the home, air conditioning unit and the check they are holding is the money that the government gave me through grants from Hurricane XXXX. U.S. Bank is an evil company and is refusing to pay XXXX XXXX for the work and materials that they paid out of the company budget. THEY STOLE THE MONEY AND REFUSING TO PAY THE CONSTRUCTION COMPANY. The construction company is threatening to sue me and U.S. Bank Home Mortgage for not paying them the money for the tornado damages and repairs on the home.

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 05/15/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We are current in our mortgage payment, but our new servicing company called Ditech XXXX. LLC of XXXX XXXX South Dakota has denied we are current. The company is threatening to forclose our home even though we are current. in our mortgage payments. XXXX XXXX are being forced to hire a lawyer at a great expense to our budget. Is this denial of payment not fraud tricks to force a foreclosure of our home.

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 non-monetary relief
Consumer complaint received 01-02-2017 about Consumer Loan (Vehicle loan) with U.S. BANCORP (FL).
Issue: Managing the loan or lease

Complaint: US Bank claims they had to write-off money on a car loan I had with them. They did not. In fact, they sent me a refund check for my overpayment to them. After the car was totaled, the insurance companies were slow to pay, so US Bank reported me to the credit reporting agencies for issues over which I had no control.

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 12/19/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I OBTAINED A LOAN IN XX/XX/XXXX FOR MY DAUGHTER AT XXXX, THE STUDENT LOAN HAS BEEN ON DEFERRED STATUS SINCE THAT TIME AND WAS THROUGH XXXX. REPAYMENT IS NOW START TO BEGIN ON XX/XX/XXXX. THE LOAN HAS BEEN SOLD TO NAVIENT. NAVIENT IS TRYING TO COLLECT A LATE FEE THAT THEY SAY WAS CHARGED BY XXXX. THERE IS LEGALLY NO LATE FEE DUE AS THIS LOAN HAS BEEN ON A CONSTANT DEFERRED STATUS UNTIL NEXT YEAR. NAVIENT IS TRYING TO COLLECT A FEE THAT THEY SAY XXXX ASSESSED AND NAVIENT WILL NOT REVERSE THE {$12.00} AND WANTS ME TO PAY IT. I AM NOT LEGALLY RESPONSIBLE FOR THIS FEE AND NAVIENT IS ILLEGALLY TRYING TO COLLECT A FEE I AM NOT LEGALLY RESPONSBILE FOR. THEY HANG UP ON ME ( SUPERVISOR XXXX HAS ) AND WILL NOT ISSUE A CREDIT ON THE ACCOUNT FOR THE {$12.00} FEE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Credit determination

Complaint: On or around XXXX XXXX, 2015, I applied for the Capital One credit card directly through their website ( www.capitalone.com ). I carefully read through the disclosures and compared each card 's fees and APR rates before making a selection. I chose the " Capital One Platinum card '', because it was being marketed as " annual percentage rate 0 % ( APR ) for purchases for the first year and no annual fee ''. I was immediately approved for a {$3000.00} credit limit. On or about XXXX XXXX, I used the card to pay my rent of {$800.00}. On XXXX XXXX I paid {$150.00} toward the balance prior to the cycle ending. On or about XXXX XXXX, I called to make a payment with customer service again, but was told my payment was not due until the XXXX of each month with a min of {$25.00} due and to wait until the next billing cycle. On or about XXXX XXXX, I called customer services to make a payment and the automated system reported I owed over {$800.00} on the account with a min of {$73.00} due. I immediately spoke with a live customer service rep who reviewed the account. She reported I had a late fee, and interest on the account that has occurred from the last two months. I asked for an explanation since I applied and was approved for the 0 % APR. The representative reported " I see you did apply for the 0 % APR, but was denied ''. I asked why I had not received a statement and or other forms of verification regarding this and why was I approved for the high credit amount and not the low APR rate? I requested that I speak with a supervisor who can explain why I was not informed of this change and the fees associated with the account. After spending over an hour on the phone, with a reported supervisor he reported " Capital One ADDITIONAL DISCLOSURES & TERMS AND CONDITIONS clearly state why I was denied ''. I asked him to guide me to the exact paragraph to which he was reading from online. The supervisor outlined " With respect to this offer, I acknowledge that : Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One 's credit standards ''. I questioned what exactly the Capital One 's credit standards was and how it is used to define my creditworthiness? The supervisor easily became irritated with my request and threaten to discontinue the call and then hung up on me. I called back several minutes later with hope of someone defining the Capital One 's credit standards. I reached another representative who was eager to find out what it meant as well. He could only confirmed that the Capital One 's credit standards is their internal underwriting policy. I fear that with such policy in place that prevents consumer 's access of making informed decision that Capital One 's credit standards is a deceptive marketing and enrollment credit lending practice. Such practices raise the alarm of unfair billing and discriminatory credit card practice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MD).
Issue: Trouble during payment process

Complaint: I have sent information to CFPB about a year ago and did not hear back. That is why I am submitting a NEW complaint. I had to handle the situation on my own! Back in XX/XX/XXXX, I had a servicer called Green Tree Mortgage who contacted me about the new terms and conditions of my loan. My loan was sold to Green Tree from XXXX XXXX XXXX. I was offered something completely unacceptable and went through a 2 year process back and forth in an attempt to get a loan modification. I sent complete packages and was repeatedly denied. Finally, in XX/XX/XXXX, I asked IF I could short sale the property and was told the ONLY way I could do this is to stop paying on my loan. I did NOT want to do this but was told they would release me. But this was a ploy to destroy my credit and foreclose on the property. Early this year, I met with representatives of Ditech, their attorney and the XXXX XXXX County Circuit Court in XXXX XXXX, Maryland. It was discovered during this meeting that Ditech improperly advised me on procedures for completing a short sale. The damage has been done and they also want me to adhere to a promissory note. I should be released from the promissory note. I no longer have the property, it was sold for the current appraised value so they have been paid and made whole! Therefore, I am putting in a complaint against Ditech Mortgage ( formerly Green Tree ). Can you assist me? I want restitution for the damage they have done to me! XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Bank account or service (Other bank product/service) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Deposits and withdrawals

Complaint: I had signed up for transunion credit monitoring. I tried to cancel several times in the last six months, I am not able to cancel this service, no one answers the phone it is a constant busy signal, I tried emailing them and could not, there is no way to cancel this service. I went to my bank to stop the payments and they said it has to be handeled with transunion. I can not even access the transunion account.

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 02/19/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Big Picture Loans, LLC (TX).
Issue: Charged fees or interest you didn't expect

Complaint: Big Pictures loans gave me a loan of {$600.00} on XX/XX/. I made 4 payments of {$150.00} dollars each. First payment was made on XX/XX/XXXX. The Second payment was made on XX/XX/XXXX, the Third payment was on XX/XX/XXXX and the Forth was on XX/XX/XXXX. When I got approved for the loan a person spoke to me on the phone ( I dont know how to write or read in English, as is my Second Language ) and he told me that if I paid everything faster that wont affect my credit, there will be no interest or late fees since I am paying faster than agreed ( I made bi-weekly payments instead of monthly payments ). Now they forcing me pay 6 payment of {$110.00} dollars every weeks in addition to the money I already pay. I understand I need to pay interest but it seems extreme for me to pay all this interest since I already paid the principal. They are taking advantage of me because of my limited English skills and my lack of knowledge of the financial system in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Bank account or service (Checking account) with ASTORIA BANK (NY).
Issue: Deposits and withdrawals

Complaint: MY BANK RECORDS FROM ASTORIA BANK WERE RELEASED TO AN ATTORNEY WITHOUT ANY SUBPEONA OR LETTER SEND TO ME REGUARDING RELAESE AND THEY HAVE NO RECORD OF ANY

Company response to consumer: Closed with explanation