milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2015 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with XXXX XXXX/Select Portfolio Servicing and never did receive a proper loan modification. I suffered a XXXX XXXX among other things in XXXX. It forced me to get behind on my payments. XXXX XXXX filed suit foreclosure on me in XXXX. I was making payments up until XXXX. The home has always been in my name. My daughter lived with me and paid rent and utilities ( documented ) because I was older and than she had some problems of being XXXX becoming a victim of XXXX forced her to move out for safety reasons. I felt behind and became sicker. XXXX XXXX along with Select Portfolio and their attorneys XXXX XXXX XXXX sued me and what they did is highly illegal. I started receiving court papers. They named my daughter as a co-borrower and my daughter was NEVER listed on the mortgage as it is clearly stipulated. They added her name in court lawsuit and the lawyers back dated a Mortgage Summons to XXXX and the case was not filed until XXXX. I was paying my mortgage but felt extremely behind because of severe illness and XXXX on my daughter. XXXX XXXX, Select Portfolio Servicing and XXXX and XXXX started sending my daughter lawsuit threats adding her to a foreclosure that she had nothing to do with. I recently called Select Portfolio Servicing and their Sr Rep told me that my daughter was no where on the mortgage or as a borrower of any sort, so XXXX XXXX, Select Portfolio Servicing and XXXX XXXX XXXX lied! They forged my daughter 's initials on papers and committed fraud and deception on my daughter and me by backdating court documents that are untrue. They purposely omitted the fact that my daughter only paid rent and they omitted all rent receipts. We have recently relocated due to health reasons and safety reasons but a family member is at the house until sold. I am working with XXXX for a Short Sale and when I have tried to talk to Select Portfolio Servicing because XXXX wo n't talk to me, they do n't want to hear about a Short Sale. They have my house scheduled for aution on XXXX XXXX, XXXX. I have filed in court Appearance and Answer to Complaint on Foreclosure Mortgage and indicated my daughter 's name is illegally on these court papers and she is not the borrower and that I am trying to do the best I can in selling this house in a Short Sale. Please help me because they are commiting fraud, deception, forging my daughter 's initials/signatures back dating documents, to XXXX and XXXX illegally and ignoring any communication I try to do. I want to press charges as my rights and my daughter 's rights under the FDCPA and FCRA are clearly violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
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: There is concern for not being able to access report online and the information displayed to verify my identity/account is not associated with me. In speaking with XXXX, ID XXXX to request a mailed copy of my report I was provided Conf # XXXX, and informed a report would be received within 10 business days. 

On or around XXXX XXXX, 2017, I telephoned Equifax to report missing checks, a fraud alert that was initiated by the bank and to confirm Equifax security freeze. On this date, I was informed that a credit report was processed and would be mailed ( Conf # XXXX ). I have yet to receive a credit report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was charged late fees when I was communicated over the phone that there would be no fees charged. Specifically, when I entered a special interest rate reduction program with Navient the customer reps told me that i should not make any payments because it would mess up me being approved for this special program. i told them multiple times my account shows delinquent the customer reps told me not to worry that the account would show normal once I entered this interest rate reduction plan. I call Navient to ask about these charges.I was placed on hold for extend amount of time and i was passed from customer rep to customer rep. Then i left a feedback vm that no one follows up with.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear XXXX iam writing this note to you telling you about the unfair treatment that i have been getting for trying to get a loan modification from rushmore XXXX loan company I pay several companies to try and help me and I get no result now iam working with a next company and its the same thing so can you please help me cause I want to keep my house all iam asking for is help I filled bankruptcy for several times just to stop them from taking my house I work XXXX jobs to get it and do n't want to lose it thanks again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted Trans union customer service to remove credit inquiries that were removed and then reinstated. Customer service was unwilling to help and stated this was not the case in my situation. I asked to speak to a supervisor and was told none were available.
I also mentioned that trans union had an account on my record listed as derogatory condition while the other two companies had it listed as paid and closed. This resulted in TU score to be 70 points lower than the other two companies.

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 09-06-2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My bank charged me excess fees far exceeding the number of transactions that caused my account to be over drawn. On The Date Of X/XX/17 Per My Book Keeping And Online Account Info I Had One Transaction That Caused My account To Be Over Drawn In The Amount Of XXXX. Previous To That My account Was In The Positive. However My Bank Charged Me 3 Additional fees For Transactions That Left My Account In A positive. Totalling An Additional {$100.00} Unnecessarily. I called a rep who was unable to help me. I asked for a supervisor who in turn refused to resolve my issue.

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 08/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion has over XXXX unauthorize inquiries and Negatives on my credit report. 
My VA Mortgage of {$1700.00} is not reporting correctly as my VA Mortgage was modified on XXXX XXXX. Also I am requesting that Bankruptcy XXXX Discharge by Federal Judge is not displayed on my credit report and files or Public. 
I am on XXXX and Retired and under the Department of Justice of XXXX XXXX Congress XXXX I respectfully should be accomendated. 
I am a XXXX XXXX XXXX Military Veteran.

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 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently ended my residence with XXXX in XXXX, Washington. After vacating, the manager immediately sent the balance to collections, rather than using the deposit insurance policy XXXX sold me in lieu of making a deposit payment upon move-in. The manager in question, XXXX XXXX, has repeatedly harassed me by retaliating for XXXX accommodation requests ( including an eviction attempt for requesting an accommodation, and a rent hike attempt after the eviction attempt was overruled by the apartments ' holding company ), and made no attempt to contact me or discuss the deposit insurance after termination of residency, though when I filed my 30 day 's notice, her office clerk, XXXX, assured me that the insurance covered up to {$1000.00} in damages to the apartment. I am currently filing complaints of XXXX discrimination on the basis of retaliation and am attempting to dispute the collection debt which has since appeared on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently went in to check my credit score and it appears that CBNA created an inquiry into my credit on XX/XX/16 without my consent.

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 09-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Cash advance

Complaint: On XXXX/XXXX/16 I went into Bank of America to get a loan of up to {$1000.00} however, BoA now only uses credit cards and no longer gives personal loans. Needing the money and thinking I would also be able to build my credit, I decided to go with the BoA Cash XXXX card and was told by the banker who was helping me that he will be putting a " rush '' on the card and will arrive on Monday, XXXX/XXXX/16 but may take as long as Friday XXXX/XXXX/16. After Wednesday XXXX/XXXX/16 passes I ask about my card and am told that if I need any credit card assistance to call the XXXX number for CC complaints, again all I am told is that is has been shipped out from Delaware on XXXX/XXXX/16 and should be arriving shortly. Quite annoyed at this point I call the banker who helped me again and tell him my CC has yet to arrive. My banker and I proceeded to the XXXX CC complaint on a 3-way conference call to which the woman on the line told us my address was not accepted and they returned the card to sender. The woman then tells me she can have it shipped to a XXXX Store for me to which i agreed to and that it will arrive on the XXXX of XXXX and to call the BoA CC complaint to get my tracking number from them. XXXX/XXXX/16 at XXXX I called XXXX XXXX Stores close to my location to see if my package arrived to which they told me no. Shortly after I proceeded to call the XXXX CC number again and explain to the woman all that happened and that I am to receive my card today XXXX/XXXX/16 but to my surprise she told me they never mailed it out through XXXX, have no tracking number, and also no notes of ever having a conversation about mailing through XXXX. It is now XXXX/XXXX/16 as I write this and still have yet to receive my card. This leaves me furious because I put in the last of my money ( {$99.00} ) thinking I could get help as well as build my credit however it is now 36 days later, I am out of {$99.00} and still have absolutely no idea where my credit card is and as it sounds, BoA does not know where my card is either.

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 03/30/2015 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Advertising and marketing

Complaint: I signed up for a USAirways XXXX XXXX credit card in XX/XX/XXXX when they were running a special promotion : Pay the annual fee of {$89.00} and receive XXXX companion flight certificates to be used anywhere they fly for {$99.00} each. Shortly thereafter, US Airways and XXXX merged and I was sent a letter that they will no longer honor the companion certificates. They did not offer to refund my {$89.00} annual fee. They only offered XXXX bonus miles if I spent another {$3000.00} on the card in 3 months. The company made good on the XXXX miles, but I just received a promotional mailer stating that they are offering the original deal again : XXXX companion tickets for {$99.00} each ... I just spoke with the company and I ca n't get a straight answer. They refuse to discuss the fact that the promo was taken away and now that it is being offered again, they said they could give me {$99.00} companion certificates but they would only be good for use in XX/XX/XXXX. Problem is that we take XXXX vacation per year and already purchased full-price tickets for our XX/XX/XXXX vacation because we were told they no longer offer the original deal ... Is this even legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian is not reachable via the phone as I have been trying to reach them now for 2 months. Experian is reporting a collection on my account that has previously been deleted. This is a very old debt from   XXXX   XXXX  . When I contacted   XXXX    over 6 months ago, they advised they were no longer collecting on debt and to disregard as they will no longer be collecting on this debt. I then contacted  XXXX  several times to see where balance and numerous fees came from but each time I was told will research and call me back, but did not.   XXXX   consequently was deleted from my file and appeared again to my surprise  XXXX  on Experian.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My complaint is against a company known as " XXXX XXXX XXXX , XXXX ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XX/XX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX  XXXX XXXX XXXX XXXX XXXX and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XX/XX/XXXX, they have it reported as being opened on XX/XX/XXXX. Needless to say, this should be removed as I do not owe anything to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XX/XX/XXXX NAVIENT notified me by letter that they were increasing my monthly payment of {$180.00} by {$71.00} - to be effective with my XX/XX/XXXX payment. No explanation for the change to my repayment plan was provided in the letter. I have made all the monthly payments on time since XX/XX/XXXX and have never been notified by NAVIENT that I was delinquent on any monthly payment prior to XX/XX/XXXX or that I owed any late fees. I called the company for an explanation and a written accounting of why they are attempting to collect an amount in excess of the original repayment amount listed in the promissory note, but they offered no further details about why the change was being sought. Therefore, I continue to pay the original amount ( {$180.00} ) and have not paid the increased amount. However, since then I continue to receive letters and calls from NAVIENT informing me that I am now delinquent on my loan. 

The terms of the loan are clearly listed in the original promissory note which I attached with my submission : {$15000.00} borrowed at 8.5 % interest to be repaid over 10 yrs ; 120 payments at {$180.00} with the first payment due in XX/XX/XXXX and the final payment due in XX/XX/XXXX ). The increased payment of {$260.00} demanded by NAVIENT is effectively a change in the original loan terms as documented in the promissory note and amounts to an overcharge of {$1000.00} on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: On  XXXX   XXXX ,    2017  I contacted Equif ax Information Services re garding the removal of my current mortgage serviced by   XXXX   XXXX   XXXX   from my credit file. I spoke with a representative whom advised that Equifax had rece ived an " Electronic Communication ''  from  XXXX   XXXX   XXXX  to remove the item from their credit reporting. I spoke with  XXXX   XXXX   XXXX  on the same day  XXXX   XXXX ,  2017 , and they advised that they had not sent any communication to Equifax regarding my account and it still should be reporting as usual.  XXXX   XXXX   XXXX  faxed me a copy of the information that had been reported earlier in  XXXX  to Equifax for reporting.     Due to Equifa x Information Services  removing my mortgage from my credit file, my credit score has dropped from  XXXX  to  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Trouble during payment process

Complaint: I have mortigage with Merilynch/Bank of America on my Condo+Parking in XXXX XXXX NJ since XX/XX/XXXX.  The mortigage company had missed payments of tax for the parking, but were paying tax for the condo only. The missed payments were only for the year XX/XX/XXXX. The XXXX county send me the notice of foreclosure in XX/XX/XXXX and i had just one day to pay off the amount and avoid foreclosure. I discussed with XXXX XXXX ( Bank of america ) and have not been successful to get the money back that i had to pay at the Tax office of XXXX county.

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I checked my credit report and discovered this inaccurate derogatory remark on my credit report. I have submitted disputes requesting proof of contract within 30 days. I did not sign any contracts with this company. This company has not provided any proof of contract as per requested on the dispute within 30 days. I wish to have this remark removed off of all 3 credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Credit line increase/decrease

Complaint: i started a secure credit card with {$400.00} with capitol one. after a {$49.00} fee i had {$350.00} of credit. now when i started the card it stated i could increase the amount by adding more to the account. today i recieved a letter saying after XXXX/XXXX/16 i could no longer increase the amount by deposit. this was not the contract i entered into. i contacted cap. XXXX to tell them this fact, we were disconnected. they did say i could increase it until XX/XX/2016. when i informed them that legally this was not able to be done only new accounts i was cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Vehicle loan or lease (Loan) with U.S. BANCORP (VA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I opened the loan account with US Bank ( the lender ) in late XX/XX/XXXX. I set up auto-draft payments to be made on the first of the month from my XXXX bank account. The first payment due ( XX/XX/XXXX ) was never auto drafted. On XX/XX/XXXX I received a letter from the lender informing me that I had been reported to the credit bureaus because i had missed my first payment and it was now over 30 days past due. The day i received the letter I called the lender and ensured that payments were made in the past due amount and ensured that the account was both current and that auto-draft was set up and active. I never received a letter, a call, a text, or an email from the lender informing me that my payment was due, impending, tardy, or delinquent. The lender made absolutely XXXX attempt to contact me to collect payment prior to notifying the credit bureaus. Attempts to rectify with the lender have been unsuccessful. Attempts to dispute with the credit bureaus have been equally unsuccessful. This type of predatory lending allows lenders to negatively, deliberately, and maliciously impact the credit scores of consumers, thus allowing them to charge higher interest rates, and thus making them more money.

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