milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Unsolicited issuance of credit card

Complaint: my XXXX credit card account was transferred to Citi without my permission or knowledge. My american express was on quto pay for many years. Since I was not inforrmed by Citi that my balance was transferred to them and I never received a bill or statement from citi my payment was late and citi sent a late payment to my credit report. Meanwhile my autopay to XXXX was made. When I found out about this 6 days after my payment was due to citi I called them and they said there is no grace period and I was out of luck, my credit report will show the late payment. I thought there was a 60 day grace period when credit accounts were transferred from one creditor to another but citi said no. I would like citi to remove the late payment fee and to remove the late payment from my credit report. the payment was made in full right away on the phone when i called citi and found out about this problem

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 monetary relief
Consumer complaint received 07-12-2016 about Debt collection (I do not know) with RGS Financial, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they have refused to contact me on XXXX occasions last attempt was XXXX. they are reporting a debt i do not owe, they are know for doing this, they are all over the internet ripoff reports.

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 06/28/2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: on X/XX/17 I requested my PIN be sent. It has been 14 days and in their response they said it would be 5-7 days. They lied again. I am applying for a mortgage and it is imperative that I get that information immediately. I have previously filed a complaint on Transunion and I think they are purposely holding up this information because of this. XXXX XXXX was the snotty supervisor who not only had me answer the security questions but also ask to have my husband fax his drivers license to her. This is ridiculous.

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 03/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They are still reporting my lates with XXXX XXXX, and the account should not be listed in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with DISCOVER BANK (MI).
Issue: Confusing or misleading advertising or marketing

Complaint: Lost information and someone using my information and I was told that I was decease

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Issues : 1. Loan has Impounds for tax and insurance, I received a letter from Ocwen for me to pay prop taxes. Tax Bill is delinquent. 
2. Reporting negative to Credit Bureaus when payments made early or on time. 
3. Ocwen is trying to make me agree to changes to the modification now that settlement has been signed. 

I in XX/XX/XXXX requested a loan modification because XXXX ( at the time ) sent me a letter that my payment would be going from {$3300.00} month to {$13000.00} per month. I made 5 attempts the 1st attempt I was not delinquent on the loan. The representative at XXXX ( XXXX told me I had to be at least 90 days late for them to consider me for a modification ) So I took her advice and requested XXXX more mods ... .I could never get a response. 

When they sued me, I requested a modification again and they refused eventually they said they would give me a modification. My modification was part of my settlement. I would execute their documents in exchange for my modification. Which is still way over value my house is only worth {$490000.00} and I have a modification for {$890000.00} plus a balloon payment. 

NOW they are saying I do n't have a modification if I do n't sign their newly revised modification documents. My 1st payment was in XX/XX/XXXX for a XX/XX/XXXX payment effective XX/XX/XXXX. I have tried to contact Ocwen to set up auto payments but they refer me to the law firm. They had me sending the payments to the law firm but the law firm was sending them the Ocwen so late my payment was getting processed toward the end of the month. So I last month and this month have sent the payment directly to Ocwen with proof of mailing ( just so the payment gets there on time. 

I have attached the Court Settlement Documents as well as The Fully Executed Loan Modification as well as the 2 Attempts to revise my modification. ( That I do not want to sign ) It even says in my executed modification that it ca n't be altered.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX I made arrangements with XXXX that I would make smaller monthly payments due to financial strain and could not make the enormous monthly payments that they requested but I would make my payments, on time every month ( which I did ). I was surprised to learn that XXXX turned my account over to a collection agency ( XXXX XXXX ) who demanded the balance be paid in full. I spoke with a representative from XXXX and she stated I could make monthly payments which I did. I was later notified by XXXX that the balance needed to be paid in full or it would reflect negative on my credit report. I sent a check for the remaining balance and the account was closed in late XX/XX/XXXX. I recently checked my credit report and discovered that my credit rating dropped from the XXXX 's down to XXXX. I do n't understand why this account was ever turned over to a collection agency when I was making monthly payments on time. I am requesting that this be investigated and removed from my credit report. The status on the collection charge shows ... Status- " Paid, closed ''. Why am I being punished for an account that was being paid ( on time ) and now reflects my credit report as " negative ''?

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Mortgage (Other mortgage) with CASTLE AND COOKE MORTGAGE LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I purchased my home through Castle and Cook Mortgage company that deals with Loancare online. I started a hazard insurance policy and flood insurance policy on XX/XX/XXXX. After the XXXX year was up FEMA sent me a statement saying my current policy was not going to be honored. I started making arrangments to create a new policy. As I was making arrangements the check from escrow went out to XXXX XXXX for renewal of XXXX dollars that got changed and then only gave me 11,000 dollars of coverage. I created a new policy with XXXX insurance that could not be finalized till funds were recieved. When i contacted the mortgage company loancare to get a check sent from my escrow account they said they could not send funds because XXXX checks were already sent out. The XXXX check at XXXX and the XXXX of XXXX straight to FEMA, neither that i authorized because I was in process to get a new policy. I was then told i could not cancel the XXXX policy until a dec page was recieved for the policy i created with XXXX. Farmers was unable to get me a dec page until payment was funded, which was not available from my escrow due to XXXX checks being sent out without my authorization. I was able to cancel the homowners policy with XXXX XXXX right away so in this time period I had recieved a refund from them for the homeowners policy which i took and paid the policy through XXXX. At that time I finally got a copy of the dec page and sent this to XXXX XXXX to cancel the XXXX renewal policy which they told me I was unable to cancel because it was past the deadline. So at this point refunded to my escrow account should have been the funds for the homeowners policy and flood policy through XXXX XXXX which never went back due to fault of the loan company. The policy with XXXX XXXX had to stay in place for a year before cancelation since I was passed the cancelation period. So for the next year XX/XX/XXXX I had XXXX policies in place for my flood insurance. I believe this is the main reason why my escrow account is shorted and was at no fault to me. When the policy had to stay in place the XXXX dollars was not refunded to my escrow. So in the end there was the XXXX dollars for the flood policy and the XXXX for the homeowners policy that i paid to XXXX for the new policy, neither were credited to my escrow. I am claiming that the loan company has poor communication and did not notify me of the XXXX check sent and the escrow account being shorted as of XX/XX/XXXX. I was never told that the escrow was shorted and they have been advancing my escfrow account XXXX every month since XXXX to cover their mistake and pin this on me. The XXXX check for XXXX was finally refunded and applied to my escrow on XX/XX/XXXX which brought down the advancement to my escrow to XXXX for the last two months.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have been disputing the accuracy of a filing of a bankruptcy file # XXXX for about 6 months now. With a lot of hard work and determination I was able to have XXXX and XXXX remove this wrongful reporting that has a very negative impact on my credit. They removed this information back in XXXX andXX/XX/XXXX. However, no matter what I do, Transunion continues to fight me on this no matter what I do. 
I resulted to disputing it with XXXX which is who TransUnion informed me they recieved this public information from. I have finally received a notification from XXXX. 
DatedXX/XX/XXXX, a letter from XXXX, their file number- XXXX, clearly states this : After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the FCRA , and subsequently removed this record from your lexis nexis risk view report. 

Therefore, this information must now be removed from my XXXX report!!!! I have since faxed this information 4 times, sent via overnight USPS mail with return receipt and each time they are claiming they are not recieving this information even though I have confirmation of each thing I do. I have called in atleast 4 times every single day and have filed 3 open disputes. I even went so far as to ask XXXX XXXX to contact them to remove this false information from my report. 
I need help. please assist me in revolving this matter.

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 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Further to my Complaint no. XXXX and the Company 's Response, I reiterate that I applied for the card under the promotional offer by clicking on a link to the offer. Although the welcome bonus offer was described in the terms and conditions and an additional disclosure before I applied for the card, American Express should have either denied my application or informed me that I was not eligible for the offer at the time of approval of my application. Amex did neither, and made me believe that I never had a similar card in the past and that I was eligible for the offer. Only after meeting the offer requirements and demanding the bonus, Amex told me that I previously had a similar card. It is clear that Amex was not fair in communicating with prospective customers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The data breach from Equifax is unequivocally the worst violation of my personal information that 's ever occurred - and it 's all a result because a company has highly personally identifiable information stored without my express consent to do so, all in the name of profit. This is exemplified by the fact that I 've had to pay Equifax to freeze my credit account - those at fault for this incredible fumble of cybersecurity - in order to protect myself from their total ineptitude. Add to this their flawed website to determine if you 've been compromised ( created for some reason under a different domain, as if to somehow demonstrate that they are in fact scam artists ) and their half-hearted attempt at avoiding lawsuits through their surely worthless " protection plan '', and you 've got a boatload of " too-little done '' and " too-late now '' arguments and evidence to render these companies essentially ticking cybersecurity time-bombs. To add insult to injury, Equifax 's automated freeze phone tree ironically froze and asked me to call back later, only to inform me that my account had already been frozen without ever providing me the PIN. It will surely be a blast dealing with this company personally when the time comes to thaw my account. Furthermore, in a stand of solidarity, XXXX enacted their own exploitative protection plan ( apparently a prerequisite for credit companies ) in order to make a quick buck off of people who are both frustrated and confused in their time of need.
The fact that a government agency is not available to protect us from these bumbling idiots is frankly ridiculous, and having to pay them for their own mistakes is downright absurd. It 's insane as somebody who works regularly with protected health information and personally identifiable information that entire companies lacking such basic protections and bizarre practices ( such as Equifax using a timestamp as a randomly generated PIN and providing random results on their flawed compromised website ) can be trusted with such sensitive information with little oversight. This is compounded by the fact that they have regular access to this information, which we as consumers do not ... The vast majority of whom would never consent to such invasions of privacy if it was possible to navigate the modern world without. Save living totally off the grid and storing money under the mattress, where else is one supposed to go? It 's unfortunate so many were forced to put blind faith in a company of scammers, but we were never provided a choice we needed, nor the protection we deserved.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: I was trying to open up a bank account at a bank they told me they could n't open it due to the XXXX so I stated ok i will wait for the letter in the mail. The letter stated that i owe banks money and i could n't open the account until i payed them off. I told them i was a victim of Identity theft and that my name was used in opening accounts in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a credit card with XXXX XXXX XXXX and financed with XXXX XXXX. The agreement was o payments o interest until XX/XX/XXXX they charged ne XXXX every month and additional they report the account past due on my credit report. I submit a dispute and they corrected the credit report as outstanding for the month of XX/XX/XXXX. On XX/XX/XXXX they reported 30 days past due again and I made. I wanted XXXX XXXX to correct my credit report and eliminate the 38 charges for late payment. That constitute a deceptive and abusive action from XX/XX/XXXX. They also decrease approved credit limit.

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 07-11-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My employment Info is missing. I have worked for XXXX since XXXX 2002

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2016 about Debt collection (Medical) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is a work comp issue to be paid by employment with XXXX. I had gotten hurt at work

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of Identity Theft I sent XXXX an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. XXXX is also reporting the same account ( XXXX XXXX XXXX ) twice under XXXX different account numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To who it may concern ; yesterday morning, XXXX XXXX I contacted the Experian Fraud department and disputed multiple information that is fraudulent on my credit file, XXXX of which are my contact information, Name, address etc. and the other of which is a collection that has appeared on my credit file. I have since contacted XXXX and XXXX XXXX XXXX XXXX and am attaching proof that XXXX XXXX XXXX and XXXX have now deemed this as fraud. The letter attached is directly from XXXX XXXX XXXX 's Fraud department. The following is the information needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX Partial account # XXXX Original Creditor XXXX XXXX Please update my credit file to only reflect the following name variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 08/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: In the past couple months Ive called Naivent customer service in several attempts to be placed on hold at one time over 1 hour at a time to make reasonable payment options for my student loans. I feel like Navient systematically and illegally failed me at every state of repayment. I believe that Navient improperly directed me into forbearance causing me to acquire more debt. I was offered first a forbearance and I needed to pay a curtain amount which I paid, than later received a letter in the mail that stated that my loan was now delinquent. When i called i was told that the information that the previous associate provided was incorrect and they would not waive any of the late fees that I was assessed due the the negligence on their part. I was offered the income- driven repayment plan but was unable to make the payments provided. I also have previous late payments on my credit for a period of time I believe my loans to defer. I have reached out several times to attempt to have these issues rectified and the have gone unresolved. I am a single mother in a one income house hold. Im seriously wanting to purchase a home in the future and this is preventing me from doing so, I am reaching out begging for some sort of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My problem is, that Equifax and XXXX still reportng a loan that has 9-year 's old ( XXXX XXXX ). I would like to be removed. XXXX had them removed XXXX XXXX already, but not removed from the others.

Company response to consumer: Closed with explanation