milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX      XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , Arkansas  XXXX ,  Re   :  XX/XX/XXXX   letter from  GMAC on  " NOTICE OF RIGHT TO FORECLOSE "   XX/XX/XXXX   from  XXXX   XXXX   XXXX ,  GMAC loan  #  XXXX  /  XXXX   XXXX   XXXX  ) It was a sub-prime loan 2 )  XXXX  on firs t mort. 3  )  XXXX  on HELOC  ,4 ) I t had an ARM teaser rate for 2 years and then went up {$400.00} per month  5 ) It   was a conventional loan with no default protectio n ,6 ) I t had a balloon payment of  XXXX  at  XXXX  yrs. maturity when I will be  XXXX  yrs old! ( Called packing in the industry )  7 ) T he loan in question appears to have been premeditatedly designed, engineered and deliberately fabricated for failure knowing I would never live long enough to satisfy the debt!  8  ) When one looks at the scenario ; it is  RACIAL PROFILING & P REDATORY lending of the highest order on the elderly! Today I am an  XXXX   XXXX   XXXX   XXXX   XXXX  Veteran of the  XXXX  (  XXXX  ) with an   XXXX   XXXX   who would like to spend what time I have left in my home of  XXXX  yrs! A  XXXX   XXXX  to evict me from my home on was issued    XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Rewards

Complaint: XX/XX/XXXX/XX/XX/XXXX I applied to Citicard promotion for a Master Card World Elite credit card that I received in the mail. The promotion was for when you have made purchases of {$3000.00} within 3 months after you received your card, you will be awarded XXXX miles to your XXXX XXXX Miles account. I applied to this promotion online, simply because I could find out right away whether I qualify or not. My application was denied immediately. I later received a letter in the mail from Citicard saying that because I already have an open account I therefore was denied. I had previously canceled my credit card with Citicard a couple of months prior to applying to this promotion but Citicard claimed that I had an open account. XX/XX/XXXX, I received another promotion in the mail from Citicard with the exact same promotion as before. I decided to try again. I applied online and was approved immediately. After receiving my credit card and have met the requirements necessary to receive the XXXX miles, I noticed on my statements that the XXXX miles has not been credited, instead only the XXXX+that I had spent ... .I called XXXX XXXX XXXX Miles to check whether there was a credit made of XXXX miles, they informed me " no '' and that I needed to follow up with my credit card people. I called Citicard and was sadly informed that I was n't qualify for such promotion since I previously had an account with them and that I needed to wait 18 months. 
If this is true, Citicard should not have falsely approved me for a credit card I was led to believe to receive. There was completely no misunderstanding on my part due to the fact that I wound not have applied for a credit card that did not offer me any mileage bonus. I am very aware of such things and I strongly feel that due to no fault of mine, Citicard should do what is right and honor their promotion that I was approved for. I have always been a good customer of Citicard and have always paid my debt in full with no delays. I sincerely hope Citicard will reconsider their decision and award the XXXX bonus miles promised me. 

Sincerely, XXXX XXXXVery Dissappointed CustomerSent from my iPad

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in  XXXX  of    2017  and my dispute case disappeared. I disputed again in  XXXX     2017  and this company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.      XXXX  investigated and removed this right away.

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 12-09-2017 about Debt collection (Other debt) with Advanced Collection Bureau, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My account was referred to a debt agency which I reached out and attempted a settlement. The debt is approximately {$4600.00}. Upon speaking with the first agent I was told a settlement of 70 % of the debt would release liability for one party but the other party on the debt would remain responsible for the remaining balance. I did advise I would call back when I had the funds available. During the time ( less than XXXX weeks ), I received multiple phone calls on my cell phone which I did not consent to but never left a voicemail I can only furnish the phone logs, when advising the agent of TCPA laws i was advised in Florida they do not have to adhere to those laws. I continued to ask about the settlement in my last call and was advised it was never guaranteed and the " manager '' XXXX XXXX is declining a settlement. I asked the representative XXXX XXXX to pull the phone call from my original attempt and she advised me they do not record their calls and her peer is not a liar in her documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Medical) with Creditors Collection Bureau, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never received a bill from this health care provider. I am on medicaid and medicare and on XXXX. I have no co-pay.. This credit company has put XXXX accounts on my credit report in collections This is the source XXXX This is the Credit collection agency. 

CREDITORS COLLECTION/XXXX on my XXXX credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Medical) with Kinum, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On XXXX XXXX, 2014, XXXX XXXX XXXX, with Kinum, Inc., called me, he was abusive. He yelled, suggested I turn off a cell phone and get rid of it to pay the debt. I explained I did not own the phone, then XXXX XXXX hung up on me. 

XXXX XXXX did not use any foul language, but I spoke with the Chief Compliance XXXX XXXX XXXX the same day and filed a complaint. However, instead of taking any interest in the conduct of XXXX XXXX, the conversation quickly turned back to the debt. More then a year later I have not heard the result of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I refinanced a single family residential rental with Chase Bank XX/XX/2015, with the first payment having a due date XX/XX/XXXX. On,or around XX/XX/XXXX I received a telephone call at work from an individual representing Chase Bank telling me that my payment was over due and demanding specifics as to when the payment would be made. I informed the gentleman that although the payment was due XXXX, that it was not delinquent until XXXX and I would be making the payment prior to that date. We had a considerable discussion during which I informed the gentleman that I was self-employed and my cash flow was such that I could not promise payment on any certain date, but it would be paid prior XXXX. This did not satisfy he gentleman and I finally told him that I would make it by the following Friday. Once again XX/XX/XXXX I received a similar telephone call at work and had a similar discussion. XX/XX/XXXX I again received a telephone call, this time at home in the evening, from a young lady representing Chase and we had the whole conversation again.

Each time I was told that the loan was due XXXX and that if I did not make the payment prior XXXX I would receive a "courtesy reminder call". This is nothing courteous about these calls, the callers are not rude, but are so relentless that they verge on threatening. I spoke to the loan officer at the Chase Bank where we arranged the loan and was told that he had never heard of this type of behavior.  All of my payments have been timely and I do not intend that they will ever be made on a date late enough to allow the bank to charge me a late charge. I consider the repeated, unnecessary telephone calls at work and at home in the evening to be nothing but unjustified harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Due to Hurricane Irma in the month of XXXX, I was placed on a Disaster Relief Program by Discover personal loans. My payment for the months of XXXX and XXXX were differed to the end of my loan. I received a letter of late payment during the month of XXXX, I contacted them directly and asked if everything was fine on my account. They said they couldn't control the automatic letters but not to worry I was enrolled in the program and I was not late on any payment. On XX/XX/XXXX, I was charged {$240.00} ( My regular monthly payment ) as if we were back on track yet I continued receiving late payment mail. I contacted them multiple times regarding this matter, every time I was told my account was up to date. My credit was ranging the 700 's when I suddenly experienced a drop to the 500 's. I started receiving email 's from other credit lines informing me they had decreased my credit limit due to a delinquent account I had. I contacted Discover immediately, they told me " We apologize, we don't know how this occurred. We'll fix it right away. '' This exact same conversation I have had it with 4 different representatives yet nothing has been fixed. It's been 6 months. Discover has damaged my credit score, credit history, and my opportunity to use my credit during this time period yet they don't seem concerned or have any intention on resolving the matter. I have even spoken to supervisors and managers, same information was told, same results were given.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : XXXX XXXX via XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing information that i did n't authorize.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a certified letter to Equifax on XX/XX/XXXX and made a follow up call late XX/XX/XXXX and was told by representative the investigation would be complete by XX/XX/XXXX. I called in XX/XX/XXXXand another representative said it would be complete by the following week in XX/XX/XXXX. I pulled my credit the day the dispute was " suppose to be resolved by '' and the dispute for the account named " XXXX XXXX '' was still in dispute. I received no updated correspondance and after calling the representative had to manually remove the dispute because it was past 30 days. By law this account is to be removed immediately. IN addition to this I have sent multiple letters to have this account verified. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Logged into AnnualCreditReport.com to get credit report. Chose Equifax. Clicked on the download PDF button. It brought up a screen that said it can not provide my credit report at this time and kicked me out of the system and would not allow me to view the report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I just received an update on my XXXX credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.

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 EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra reporting inaccurate info XXXX XXXX XXXX XXXX XXXX XXXX inquires that i did not do

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In   XXXX   we received a letter for  XXXX  stating that we had applied for an  XXXX   XXXX   XXXX  card. We had not. We called  XXXX  and they blamed us by stating that we 'clicked a button ' at  XXXX   XXXX  initiated the request. They told us that they would close the request.     Last week we received another letter from  XXXX  that has exactly the same information. Today I pulled my credit report and am shocked to see that  XXXX  has continually been running credit inquiries. These inquiries have brought my credit score down.     The inquiries from  XXXX , which I did not initiate, were on these dates :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with  XXXX  and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a  XXXX  Credit Card from  XXXX . Thus this is a repeated fraudulent request. Can you assist with resolving this so that my  XXXX  History is fixed and does n't continue to drop?     Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX in XXXX Ca, submitted my credit application to other lenders without disclosing to me that they would be seeking other lenders. I was pre-approved with XXXX XXXX XXXX for the loan and did not request them to seek other lenders. 

Due to their negligence and actions It has damaged my credit rating with additional hard inquiries placed by the other lenders on my XXXX 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 01/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I called the Fed Loan Services to find out about Forbearance with parent plus loans. I was told to send in {$600.00} in order for someone to help me. 
This was after I gave all my personal information and received a run around from XXXX from XXXX different people there.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: As per the Fair Credit Reporting Act, I requested the documents on file they used to verify a bankruptcy listed on my report. I also requested the name and number of the person who verified the information as well. They ignored my request and just sent a blanket statement that they or a third party serviced was able to verify it, but did not provide any proof of such actions.

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 01/19/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Repeated calls over 3 years to Navient to inquire about status of loan repayment. Repeatedly asked for loan to be changed to active repayment, and was told that my loan was in active repayment, even though the status on Navient web site said deferment. Due to this misinformation, my account continued to accrue unnecessary interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: showing a mortgage account under my name 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 07/25/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Making/receiving payments, sending money

Complaint: Capital One 360 twice on XXXX XXXX, 2016. His sole purpose in making these calls was to insure that a deposit made on XXXX XXXX, 2016 had cleared, and therefore that it was safe for him to rely on those funds. The deposit was an advance from a new job, and XXXX XXXX wanted to be absolutely certain to withdraw the funds. 

For this reason, he called not once, but twice. During each of these calls, representatives from Capital One 360 assured XXXX XXXX that the funds were completely safe and that there was no way that the deposit could be reversed. Based on both of these representations, XXXX XXXX withdrew this money from his account. In fact, the deposit was later reversed, causing XXXX XXXX 's to lose the money that had previously been in his account, and resulting in the closure of his account and a negative balance. 
had a balance of {$1700.00} in his checking account and {$1100.00} in his savings account. On XXXX XXXX he deposited the check for {$3800.00} into his checking account. Then after the assurances from Capital One 360 's agents, withdrew {$3500.00} from the checking account. This left a balance of {$2600.00} in his checking and {$1100.00} in his savings account. On XXXX XXXX, 2016, the deposit was reversed and the balance of {$2600.00} in his checking was seized by Capital One 360. Capital One 360 has frozen XXXX XXXX 's savings account and is attempting to collect an additional {$1100.00}. This amount to a loss of {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Credit determination

Complaint: I was advised last week that a credit limit on a card I have issued to me by Barclay Card was lowered from {$8600.00} to {$6500.00}. I contacted the organization, and they advised that the right to reduce ( or raise ) the credit limit exists at their discretion, and it 's explained in the credit agreement that I signed when I had my card opened. While I did find that, what is troubling is that they accessed my credit report without my explicit authorization. I granted Barclay the right to access my credit report when I first opened the card, but not any subsequent times, which they assert is how they came to the conclusion to reduce my credit limit. I 've NEVER given Barclay ANY reason to think I would n't pay my credit card payment or the balance due. I 've always paid on time, I 've even paid off the card in total in the past. This reduction is unacceptable to me, as it should be to anyone who is an account holder at Barclay.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is fraud, I never used acknowledged or submitted to any service with the stated company. I have contacted the credit bureaus to have this removed but was unsuccessful.

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