milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Consumer Loan (Installment loan) with CITIBANK, N.A. (FL).
Issue: Taking out the loan or lease

Complaint: I am not sure which application I need to submit this dispute as I am not the borrower and did not authorize this transaction/account opening but I would like your assistance in obtain feedback from this company as to why they are reporting a charged off and out of date account that has been on my credit files since XXXX? I do not own a account with this company and I wrote to both the company and the credit bureaus in XXXX advising that this account be removed or that I be provided with validation as to the date this account was opened and defaulted upon and provide me with all documentation used to validate balance owed. I have requested this company and the credit bureaus ( XXXX ; XXXX and XXXX ) close out this inaccurate out of date account and update my files accordingly.

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax keeps deleting an account from my credit and adding it right back on causing my score to decrease. It happened on XX/XX/XXXX as well as XX/XX/XXXX. I am aware that this is not allowed and I have to be notified in writing 5 days prior to it be added back on.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: There has been no response from Seterus since XXXX/XXXX/XXXX XXXX XXXX. to my answer concerning missing documents. 
I officially began this journey for a loan modification XX/XX/XXXX, that is XXXX months ago. XXXX, XXXX, and now Seterus have followed the same script that must have been developed by XXXX. Lost documents, bogus loan modification offers, numerous requests for new loan modification applications ( XXXX by Seterus in 10 months ), input of incorrect figures to produce negative NPV statements, just to name a few, the list is extensive. I have XXXX large XXXX ring binders with documented behaviors. It is apparent that they have no fear of the behaviors listed in the enclosed document datedXX/XX/XXXX posted by CFPD. 

My question today is how are XXXX, XXXX and Seterus allowed to ignore the agreements they signed with Dept. of Treasury. Given the Stabilization Act of XX/XX/XXXX and the accompanying Home Affordable Modification Program Guidelines issued XX/XX/XXXX by Dept. of Treasury, the CFP Bureau should be able to bring pressure to resolve the continued bad behavior towards borrowers asking for loan modifications. 

I have enclosed a NPV statement in accordance Modification Program Guidelines also I am uploading the latest set of documents sent by mail to Seterus for your consideration. 
Request for loan modification documents dated XX/XX/XXXXSeterus denial documents dated XX/XX/XXXX received my me XX/XX/XXXXLetter from me disputing their denialAll documents listed below are available thru XXXX search. 

XX/XX/XXXXCFPB Rules Establish Strong Protections for Homeowners Facing ForeclosureNew Rules Prevent Servicer Surprises and Runarounds for Mortgage Borrowers1 -- EMERGENCY ECONOMIC STABILIZATION ACT OF XX/XX/XXXX2 -- FINANCIAL AGENCY AGREEMENT for a HOME OWNERSHIP PRESERVATION PROGRAM under the EMERGENCY ECONOMIC STABILIZATION ACT OF XX/XX/XXXX with Fannie Mae entered into with Dept. ofTreasury, XXXX/XXXX/XXXX. 

3 -- Home Affordable Modification Program Guidelines issued XX/XX/XXXX byDept. of Treasury. Pay particular attention to the portions as it relates to NPV, pages XXXX and XXXX, also Net Present Value Model Parameters on page XXXX. 

4 -- Copy of NPV evaluation results derived from data extracted from loan modification denial on XXXX/XXXX/XXXX by XXXX XXXX. XXXX pagesSincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Credit card) with Convergent Resources, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I disputed my responsibility to the debt, I had an insurance added to both of my accounts. Which prevented my from the obligation of the debt. If the following occurred, loss of income, accidents, and XXXX. In 2014 I suffered such lost, my creditor refused to work with with me. Even though I paid them for 5 years a XXXX dollars a month extra with each payment for this protection.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (OK).
Issue: Trouble during payment process

Complaint: We went through HAMP with XXXX XXXX XXXX in 2010. PMI premiums were instated on our mortgage that is approximately 58 % of our home mortage price and value. I have tried repeatedly to find out why we are being charged such an exhorbinate amount of money monthly for an insurance premium. We have been paying this for the past 10 years to the tune of XXXX. It is a tremendous burden to make this gouging payment. I believe that XXXX XXXX XXXX made an error when the modification was processed and instead of listing the private mortgage insurance premium annually for {$630.00} they inserted the premium to be paid monthly at {$630.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Payday loan) with LENDING CLUB CORP (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I work for the government and was part of the computer hacking that happened there. I was notified by office of personal management that all my info including fingerprints were hacked. I do not look at my bank accounts often and it only came to my attention when my debit card was declined.Then I realized several payday loans were opened under my name and my bank accounts were emptied I filed fraudulent charges with   XXXX   XXXX   XXXX   approx. 20 times and my debit card was canceled and reissued 4 times including canceled once by the bank when a person claiming to be me called for information. I have done everything that the government instructed me to do including submitting a fraud report to the FTC and the IRS. I also mailed letters to all payday loans that were taken out in my name. Prior to this I had a  XXXX  credit rating this brought it down to about  XXXX  and it is slowly going back ( now  XXXX  ) I do not owe this money and do not feel I should pay this. If my credit report is looked at I have an excellent history of repayment. Only blemishes are during this short period when my info was stolen. I currently have a protection service monitoring my information and have a fraud alert placed on my bank accounts. Someone attempted to file my income taxes electronically. Even my paypal account was hacked into.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In response to my compliant number XXXX dated XX/XX/XXXX re : not being able to access my accounts online with CapitalOne without first submitting my income, the matter was resolved ( thank you ) by CapitalOne advising that typing XXXX would circumvent the need to include my income. 

On XX/XX/XXXX, I received a letter from CapitalOne advising that because I was not " ..using a significant portion of the Credit line on your account,,, '', they were reducing my credit line in 1/2 to @ {$10000.00}. 

I 've had this credit card since XX/XX/XXXX and I have a checking, and savings account. They never tried to lower my credit limit prior to their XX/XX/XXXX letter. It just seems like more than just a coincidence that after my compliant, my credit availability was reduced but never before. 

I believe, as a result, my credit score ( as reported on CapitalOne 's credit monitoring service ) has decreased from XXXX to XXXX. The reasons given was a decrease in my credit use availability. The 50 % decrease in credit availability would cause the % 's to increase. Less credit available with same credit usage would result in a higher credit usage percentage. 

BTW, I pay my balance each month in full. 

All i am asking is to increase my credit limit to what it was before my complaint to the CFPB. I believe what Capital One is trying to backdoor the resolution by CPFB - when I ask my credit to be increased, they 'll require my salary be disclosed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX from the University of XXXX in XX/XX/XXXX. In XX/XX/XXXX I was diagnosed with a XXXX. Working as a regional airline pilot during time of medical leave we are not paid. During this time I was unable to pay my extremely high student loan payment of {$1000.00} a month. After contacting the lender they offered no assistance with lowering or modifying the payment to become affordable while on medical leave. With this the loan went into a state of past due and has damaged my credit to the point where I can not get approved for other consolidation loans to fix this issue. Wellsfargo also stated that I can not receive a loan modification because my co signer and myself still meet the requirements for a loan with them. However we were recently denied a request for a new consolidation loan with them. Making less than {$20000.00} a year a minimum payment of {$1000.00} should be restricted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Consumer Loan (Installment loan) with SUN LOAN COMPANY INC. (MO).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2015 I borrowed {$1000.00} from Sun Loan Company in XXXX XXXX, Mo. to be repaid in 14 monthly payments at a rate of $ 158 monthly at a annual percentage interest rate of 67.03 %. When I realize what this loan would cost me in interest, I called the company in XXXX, 2015 requesting a payoff of the loan. The figure they quoted me seemed way high so I send the monthly payment in for XXXX. 2015. I called the company again on XXXX XXXX, XXXX expressed my displeasure on the payoff they gave me and request a manage call me and give me another figure. The lady on the phone told me she was the assistant manager and gave me a figure of {$1300.00} and told me the payoff would be good for 10 days from this date, but she stated I owed {$30.00} plus dollars for late charges. I immediately mailed in the check for {$1300.00} to Sun Loan Company and as of today my check has not been cashed by my bank. Instead I have been receiving daily calls from Sun Loan Company representatives telling me to call their office as soon as possible to discuss my delinquent account and today I recei9ved a nasty letter from Sun Loan Company threating to take collection action against me if I do not get my past due account current. They also state in the letter I received that my credit rating will be effective if I do n't communicate with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I applied for and got an Advantage Citibank Platinum Select Credit card. The first time I tried to use it, the transaction was declined. When I called Citibank, they asked for verification information. I gave them all this. They then said they could n't clear the account as they could n't " verify the phone number '' I was calling from. I asked them if I had inadvertently written down the wrong phone number on the application. They assured me that I had not put a different phone number on the application. They simply could n't find it in their database. I completed the transaction with a different card ( XXXX XXXX ). Later that day ( XXXX XXXX, 2016 ) I called to cancel the card. They would not let me cancel it!!! They claim that since they ca n't " verify my phone '', they ca n't cancel the account. I asked them how I could cancel the account, and they hemmed and hawed and could n't provide an answer. I believe they are trying to keep the account open so they can collect the annual fee. They have wasted 2 hours of my time on this matter. I believe they should warn consumers that this is a distinct possibility and the government should consider not letting Citibank issue credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: My wife checks our account everyday before she goes to work. This morning XX/XX/XXXX my wife got a notice saying that we had a restriction on our bank account. when I called and spoke to an XXXX ( XXXX ) and agent he said XXXX had found that I had received an XXXX XX/XX/XXXX and their clause says that if anyone gets a XXXX while being a member they can have their account closed. I did get a XXXX that resulted in XXXX. I started drinking heavily at one point after I came home from XXXX due to XXXX. I am diagnosed with XXXX form the VA and receiving benefits. This happened before we became members of USAA. We have no debt and have all our money ( {$61000.00} ) in this bank. I have all my direct deposites and drafts here. I need to know what is going to happen with our money and if I need to close my account for something that happened a long time ago. Any debt or overdraft charges due to my money being held will be paid by USAA. I need someone to call us immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DC).
Issue: Account opening, closing, or management

Complaint: TD Bank has been charging me illegitimate maintenance fees on my account ( the _sum_ of balances on my accounts must be & gt ; $ XXXX to avoid a charge ; they fail to consider the sum of my accounts, and charge me a fee because one of my accounts has a balance & lt ; $ XXXX ). Each time I complain, they agree that the fee should have not been charged. Then they reverse the charge and file paperwork to correctly pair the accounts when assessing fees, and assure me that the fee wo n't be charged on the next billing cycle. But it does appear on the next cycle. For more than a year now I have had to go to my local branch, complain on the phone, or complain via email to get the problem solved. It is becoming tedious. Clearly the CSRs I am dealing with are unable to resolve the issue, so I am appealing to the CFPB for assistance reaching a more appropriate contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with TRUSTMARK CORPORATION (MS).
Issue: Closing on a mortgage

Complaint: I received a call from my banker advising that my home equity line of credit payment would be increasing from interest only payments to 2 % of the balance effective XXXX XXXX. around XXXX XXXX due to a drop in my credit score. The following week I received a letter from the bank confirming the above mentioned. I ask the banker to see if I could retain the interest only status until I could examine what caused the drop in my credit score.  Approximately 2 days later I was advised there would be no change in the actions taken. 
XXXX XXXX I sent a certified letter to the financial institution advising the effect and impact of raising my payment from {$190.00} to {$570.00}. The scheduled payments had never been late or missed. In addition to increasing my APR and payment on the line of credit my XXXX was also shut down and the APR increased, neither payment has never been late since inception. I did receive a response but not from the certified letter. The response stated that the bank exercised a clause allegedly in the HELOC that they did n't provide a copy of. This harsh unexpected increase will at some point send the products into default. The response went on to say the decision was n't because of late payments but rather an overall review of my credit report provided by the credit reporting agency XXXX. I did not authorize a review of my credit nor was it covered in the disclosures ( Unfair Deceptive Practices ) that a periodic review would be conducted that would grossly impact my ability to pay. In addition to the payment increase the rate was increased and as stated the accounts had never been late. Please help, I have confirmation of registered mail copies of the letters etc. Thanks

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 10/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Getting the loan

Complaint: on XX/XX/2017 I applied for a Loan with OneMain Financial online. I was told that i was qualified for a loan based upon my pre-tax income and pre-credit screen online. I went through the entire process, a customer service rep called me walked through everything. I was mislead during the application process because on the phone they use a different method of calculating income and only look at your take home pay, which can vary significantly in my case. [ They do not disclose this to you on their website when you are applying that its a different method of calculation, they also do n't mention to you that they use a budget amount to look at your income when you apply ] My pre tax income is close to XXXX a month. My take home income is close to XXXX. Between both incomes I have elected about XXXX dollars in additional taxes taking out ( voluntary, selected most recently ) I also have a tip wage that is calculated in my income and pre-taxed which makes my income look lower. I was trying to explain this to the representative except she stated they do things differently when they calculate over the phone, and it 's different than online. They do n't tell you this when you are applying. It becomes very misleading lending practices. Had I understood exactly online when applying how things were calculated and that they look at a different formula I would 've never continued with the application because I would know that the loan I was applying would not meet their standards, and I would have been declined from the start. The process makes it seem so easy, your presented with terms based upon all the data you submit and they pull your credit online, but they do additional screening over the phone and have additional standards. They also look at your income differently when they talk to you over the phone, which again is not what is stated on their website when it asks for Income.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Settlement process and costs

Complaint: XXXX " lied '' to me at the XXXX to XXXX XXXX closing for my REFI mortgage ( who sets a closing at XXXX to XXXX? ) I had a XXXX XXXX at XXXX but my medicine was outside in the bag on my bike. They knew i was a XXXX person because they demanded a copy of my XXXX XXXX award letter for proof of income. I was promised a loan note XXXX above my XXXX original amount. That 's a total of {$84000.00}. Yet 2 months later when the Fed-ex delivered my new mortgage, the amount was XXXX plus. 
So, you ask, why did'nt i cancel or refuse the REFI during my 3 day " recission '' period? The short answer ; i was denied the 3 day recission period. Also, during the closing, i asked XXXX times for a copy of the note so i could take it home and show it to a real estate attorney. Closing agents said and i quote, " XXXX XXXX, there are XXXX pages in this refi note and we have to get every page upstairs to be notarized. '' Both closing agents resigned 4 months later. My note is above XXXX and set at 40 years. Please do the math for a 40 year note and you see how screwed i am. I will be grossly upside down for the rest of my life. My credit is " shot. '' I ca n't even replace my broken refridgerator. My tv is 20 years old ( analog ) and the picture is awful. Can ; t finance or buy a tv either. My only transportation is a used bike. U get the picture. thank you.

Company response to consumer: Closed with explanation