milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have repeatedly disputed credit report information to all three bureaus regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ), I received XXXX Cancellation of Debt forms in XX/XX/XXXX from XXXX ( tried to upload the forms but was given an error message ) .that were specifically marked that the debts were discharged/forgiven and supplied these to the bureaus who had been reporting them currently delinquent with open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I provided them in my disputes, they at first updated the items correctly. Unfortunately Equifax and XXXX subsequently reverted back to reporting it incorrectly as originally disputed ( XXXX made corrections and continues to report accurately ). I have spoken to supervisors with Equifax on numerous occasions who will correct the info manually only to explain to me that the creditor ( XXXX ) is the reason for this ongoing issue. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. This has caused an enormous amount of grief as I was approved for a student loan in XXXX XXXX for my daughters XXXX year based on an Equifax report that at the time had the corrected info. When they re-ran my report in XX/XX/XXXX the incorrect information was back on the report and my loan denied two days before taking my daughter to college. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts closed, with {$0.00} balances and no delinquency regarding monthly payment history past XXXX. It appears ( based on Equifax 's explanation ) that this lies with XXXX continuing to report the accounts inaccurately but I still believe it is incumbent upon the bureaus to report what they know is accurate regardless of what the creditor is reporting if they ( the bureuas ) have validated it. Please help me get this corrected permanently. It has been the cause of numerous credit related issues, specifically the ability to send my daughter to college as originally planned.Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (Conventional fixed mortgage) with LendUS, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am an elderly with a mortgage on my condo with RPM Mortgage. They kept sending me letters asking for proof of insurance and provided a fax number to fax in the information. XXXX I faxed the proof of insurance on XXXX XXXX and XXXX XXXX 2015 ; and yet I just received a letter from them dated XXXX XXXX 2015 saying they have purchased insurance at my expense from an affiliate of their at XXXX time the cost of my insurance. Also, my insurance shows RPM Mortgage as the Mortgagee and the insurance company sends the RPM a proof of insurance directly as well. There is no reason why RPM should even need me to fax them proof of insurance. What RPM is doing is harassment and to sell insurance that their borrowers do n't need. They clearly have proof that I have insurance and yet their policy seem to be to ignore all evidence and just force their insurance on you. 
I want them to refund me the {$1500.00} they charge for my insurance when I already have insurance and to stop harassment me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with Credit Plus Inc (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance. 
CREDIT PLUS XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Problems when you are unable to pay

Complaint: i was scammed with a vehicle given fradulent XXXX that didnt belong to the car who was wrecked prior to my sale and repaired then was forced into this loan lost my job due to health issues and car was repossesed now they have offered me a settlement and i gave i but they refuse to update my credit file as its being reported unaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from XXXX XXXX XXXX. The funny thing i that they are collecting for Sleepy 's which was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all XXXX credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/XXXX, I contacted USAA to close my credit card account with a credit limit of XXXX revolving limit. Upon pulling my credit report on XX/XX/XXXX I was shocked to find the account still active. When contacting the organization, there is no answer to why it is still open. Nine months of thinking my account is closed, and there is XXXX now sitting out there as revolving credit. 

I feel this misstep, failure to close, or failure to listen to the customer not only benefited the company ; but placed a negative impact on my credit worthiness. According to my USAA website, thru XXXX, one of the four factors lowering my credit score was, " Your largest credit limit on open bankcard or revolving accounts is too low - XXXX accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The largest credit limit among all the open bankcard or revolving accounts in your credit file is low. Having higher limits gives you access to credit without seeking new loans or becoming overextended - which are triggers for higher risk. '' This reflects the card I thought was closed. Currently my credit report states {$45000.00} of credit, approximately 45.2 % of that is USAA 's card. 

This lack of accountability and systems that provide for customer protection and service is incredible. As a 26 year member of USAA, these actions only demonstrate their lack of compassion for loyalty. I request a written response to this, specifically laying out the failures within USAA. While I do not think I am the only one this failure happened to, I would be interested in how many accounts were delayed or failed to be closed that benefited USAA? This borders on fraudulent accounts utilized for increasing profits for the organization at the expense of the customer, in my opinion. 

Also, I filed a written complaint in XX/XX/XXXX against previous banking processes. I would like to know if this 'failure ' was repercussion for speaking out? Thank you for your time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Trouble during payment process

Complaint: XXXX   XXXX  sent a request for information and notice of error ( QWR ) to Nationstar on  XX/XX/XXXX . Nationstar received this QWR on  XX/XX/XXXX , as evidenced by a signed return-receipt. Per RESPA, Reg. X 1024.35-36, Nationstar should have responded to  XXXX   XXXX  's QWR by  XXXX   XXXX ,  XXXX   (   XXXX  business days from receipt ). It is now,  XXXX   XXXX ,  XXXX  and  XXXX   XXXX  has not received a response to his QWR. Time is of the essence in this case, as there is a law/sale date scheduled for  XXXX   XXXX ,  XXXX .  XXXX   XXXX  requested the following documents from Nationstar :  1. A  complete account history for the life of the loan showing how each payment was applied to interest, principal, escrow fees or charges, and the suspense/unapplied account ;  2. A  copy of each escrow analysis conducted on my account since  XXXX   XXXX  ;  3.  An itemized statement showing all costs and fees that may have been assessed to the loan account for the life of the loan including but not limited to late fees, inspection fees, broker price opinions, foreclosure fees, bankruptcy fees, and attorney fees ;  4.  Copies of any loan modification trial plans, permanent modifications, and/or forbearance plans  ; 5.   Documentation showing my approval for a loan modification, trial payment plan, forbearance, special forbearance, and/or any other loss mitigation program, spanning  XXXX   XXXX  to the present ; and  6.   Documentation showing my denial for a loan modification, trial payment plan, forbearance, special forbearance, and/or any other loss mitigation program, spanning  XXXX   XXXX  to the present.      XXXX   XXXX  also asked Nationstar to investigate why his payment suddenly increased from {$1800.00} to $ 2,500+, following a permanent modification in  XXXX   XXXX .      XXXX   XXXX  complied with all of Nationstar 's request during the modification process, and the sudden increase is more than likely due to a Nationstar escrow miscalculation. Nationstar has failed to explain to  XXXX   XXXX  why his payment increased by $ 700+ making his newly modified payment unaffordable.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hi I was billed around XXXX XXXX for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was XXXX hospital in NJ, XXXX . This was on XXXX 2015, I agreed onto a payment plan, then it was given to collection agency. The agency sued me and caused major dip into my credit history. I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country. Please let me know how you can help me and I want to pay this amount. Please help me to restore my credit rating. All my mortgages, credit card payments, bill payments are in time. In last 7 years I have never faced such issue, please check my credit history. The Collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Thanks 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 non-monetary relief
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Closing on a mortgage

Complaint: In XX/XX/XXXX I obtained a mortgage from Citibank for my home. I decided to use Citi for my mortgage because of a promotion they offered where they said that if I kept a minimum balance in a checking account they would reduce the interest rate by 1/8 th of a point ( percent ). They never applied the promotion that they promised. In XX/XX/XXXX, they sent a letter to me acknowledging that the interest rate discount to which I was entitled was " inadvertently not applied '' to my loan and they offered a check which would retro-actively reimburse me for less than 5-years of the amount that I had incorrectly been asked to overpay. In addition to not including any interest on the money they had unfairly collected, they have refused to apply the 1/8th of a point reduction to the ongoing interest rate that they have already admitted in writing that I should be receiving. This is totally unfair and I contacted the company to explain my position 3 times over the past 3 months : once at the local branch, once by phone and once by an escalation person that called back when I said I was not satisfied. In each of these conversations, the representative said the same thing : that I was correct that I should have received the lower interest rate but that they were not going to correct their error for any of the remaining 25 years on the loan. This represents a bait and switch theft of over {$31000.00} from me by the bank 's admitted wrongdoing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Trouble during payment process

Complaint: My problem is with nation star financial.in  XXXX  I was paying  XXXX  a month, last year in  XXXX  my home owners insurance went from  XXXX  per year down to  XXXX  .so the mortgage company dropped my payment to  XXXX  a month.i had nothing to do with any changes, and we were not notified about any changes.Then 2months ago I get a bill for  XXXX  dollars and was told that was my new house payment.i called and they say I did n't have any money in my escrow.i asked why they said after a lot of research we found out they were paying my insurance company double.they were paying the broker  XXXX  and  XXXX  and  XXXX   XXXX  who holds the policy.i told them that none of this was my fault.i talked to the escrow man at nationstar all he would say is ok I 'll drop your payment to  XXXX  a month and he said have a nice day.because of all this I have to file a amendment and start paying for a house the I have paid for 15yrs.why should start over again.i think there wrong on what there doing to me and my family.i think we 're being extorted out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have a Best Buy Visa card that was never activated. I received an statement in XX/XX/XXXX stating a transaction made online for {$2500.00}. I intermediately called the costumer service and they told me my account had abother transaction for almost 2900.00 and that I had overpass the credit card limit which was {$5500.00}. My account had a balance of XXXX They referred me to security Department and initiated an investigation. I filed a police report and faxed the affidavit form with some information. Today I received a letter saying that the information submitted was not enough and that I was responsible for the balance on the account and that the investigation was closed. I called the costumer service number again and they told me my balance now was for XXXX They told me they could not do anything for me and gave me this number 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 07/29/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (KS).
Issue: Loan servicing, payments, escrow account

Complaint: We bought a house in 2005 using XXXX XXXX. We have owned the house for 10 years, had the account on auto draft, and never missed a payment. In XXXX XXXX XXXX sold the mortgage to Nationstar. Without any correspondence we find out through our credit score that Nationstar is reporting us missing a payment and 60 days late. We contacted Nationstar immediately and provided them will all of our bank statements and documentation showing where we have made all payments. The result is everytime we call we get a different indiviual. Most of the time the english is so broken you ca n't have a coherant conversation. Next, Nationstar will not let you speak directly with the official looking over your case. Everytime we call someone will tell us it 's fixed and then they 'll transfer us and the next operator will tell us they have not even opened up a case number on our complaint. Finally today, Nationstar asked me for bank statements again to include statements from XXXX XXXX. They did not obtain the mortgage until XXXX. This has severely affected my credit score and XXXX transitioning out of the service in the next several months my credit score is crucial in mine and my family 's transition into civilian life. Nationstar has admitted over and over again that it 's " their system 's mistake '' yet they refuse to fix the problem. I do not know where else to turn at this point. When you provide a company black and white proof that you 've done the right thing and they continue to sit on the problem while it affects your financial future is beyond infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX in XXXX XXXX Nevada. I was representing the buyer of property at XXXX XXXX XXXX, XXXX XXXX XXXX Nevada XXXX. I was made to suffer an Oppression at the hands of Nationstar Mortgage and their representative. ( 26 U.S. Code 7214 - Offenses by officers and employees of the United States ) On or about XXXX/XXXX/2016 XXXX XXXX XXXX, and NationStar Mortgage, working as an agent of the United States, on behalf of Nationstar, in settlement of a HAFA mortgage adjustment, and under the color and authority of this program, while full well knowing that as a real estate agent, I am compelled both legally and ethically to work in the best interests of my client, demanded that I accept a reduction in compensation to complete the above mentioned sale. Per his position it is assumed that he knew of my obligations to my client. He has by his action cost me a reduction in my compensation of more than {$1100.00}. I pray that you will demand that NationStar display their records of this transaction, compensate the real estate agents to the original contracted amount and find their answer for reducing the seller compensation by {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Consumer Loan (Installment loan) with STERLING JEWELERS, INC. (TX).
Issue: Managing the loan or lease

Complaint: We have been customers of Jarods for several years. Recently, we upgraded my diamond due to a " special '' sale at XXXX On 4 occasions, we were told that the Annual Percentage Rate for this " sale '' was 3 years at 1.25 %. We decided go move forward due to this " special '' rate. Monthly, my fiance questioned the payment due on the statement ... as it did not look correct. Finally, I took a look at the statement, only to see that the 1.25 % is a MONTHLY - NOT ANNUAL Percentage rate. 

I called the customer service and had no luck. Oddly, when at work- I talked about this with my co-workers, and another lady had the EXACT same issue at a different XXXX location.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Credit card protection / Debt protection

Complaint: I noticed a couple of unauthorized charges on my statement XXXX months ago. I immediately called the card company to report the fraud. They removed the charges and issued a new card. On my next statement, I discovered that they had transferred the charges to the new account. I have not activated the new card. I called again and was informed by a fraud agent that the charges, along with the new fees and interest, would clear in a couple of weeks. They have not. I 've been getting dunning notices on a regular basis, and my credit score dropped XXXX points overnight.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is still showing on your credit report stating that there is a balance of {$940.00} on XXXX/XXXX/XXXX i sent a letter requesting validation but received a return letter on XXXX/XXXX/XXXX stating that they sold to another company, XXXX XXXX XXXX on XXXX/XXXX/XXXX this account should not be on your report and I want it removed. Immediately. I have since sent another letter on XXXX/XXXX/XXXX to XXXX, still listed on my credit file and XXXX XXXX onXXXX with no response.

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 08/29/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had received several letters from XXXX XXXX XXXX XXXX XXXX agreeing to remove both accounts from my Experian Credit file. I have fax these letters to Experian multiple time now and the information is still reporting on my credit file. This has been a concern to me because when a consumer is being honest about different situations they go through with these credit agencies it seem like we still get XXXX. In other cases communicating with the credit agencies trying to stay on top of things one representative states they received my documents and talk to another and they claim they have n't receive anything.

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 05/19/2015 about Mortgage (Home equity loan or line of credit) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Application, originator, mortgage broker

Complaint: i was approved for a line of credit with navey federal but for some reason it was revoced

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation