milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage company, XXXX XXXX ( previously owned by XXXX XXXX ) sold our mortgage to Residential Credit Solutions in XXXX, XXXX. Our payments were roughly $ XXXX/month at 9.95 % interest. My husband lost his job in XXXX. We knew our payments were going to be impossible to maintain, so in XXXX, began the process of applying for a modification. XXXX XXXX, and then Residential, made it impossible for us to receive a modification which would make the payments more affordable by continuously delaying the process for about 18 months, then finally gave us a " Supplemental Modification. '' This did not lower the monthly payments, kept the interest rate at 9.95 % and extended our mortgage to 40 years. Since they had already begun sending us foreclosure letters, we had no choice but to accept. We contacted several government agencies and representatives, to include CFPB XXXX XXXX XXXX ( who, by the way, did not listen and were very rude ), and no one would help or listen. I am attaching several documents to support our complaint. After giving up actual living necessities and cashing in our retirement to bring everything up to date, we applied for and received a new variable rate mortgage through a XXXX 2.75 %. Of course, this interest rate will go up ; however, our current monthly mortgage payment is now a little over {$700.00}. We had to incur closing costs, legal and appraisal fees, etc., in addition to the more than {$20000.00} in interest payments over the lifetime of the " modification '' as a result of Residential 's predatory practices and other agencies ' lack of consideration towards us.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I graduated in 2006. I had XXXX XXXX in loans when I graduated. in XXXX 2006 a month after my repayments started, XXXX XXXX charged me {$710.00} in Capitalized interest along with a repayment fee of {$320.00} for EACH loan. This totaled {$7300.00} in FEES! I noticed there was an issue when XXXX XXXX told me I was not paying my minimum monthly payment. Due to these fees- and not notifying me of them- my minimum monthly payment had increased and I was unaware. It was a hit on mine and my fathers credit report. I told my Dad who was a cosigner to my loans. He logged into his account and saw no changes to my account. For years this was an ongoing battle with my Dad over how much I actually owed. Early this year I called navient and they told me my original Loan amount was upwards of $ 80k. My Dad dug into his files and found payments and details of loan applications and statements. XXXX XXXX Navient charged me a fee to repay their loans. {$7300.00} to be exact. This is not including the interest I have had to pay on the fees! I have been paying my loans for 11 years and I still have {$41000.00} left when I started at XXXX XXXX. This is discouraging and misleading way for a company to handle student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint against Trans Union. My written dispute was received by Trans Union on XXXX XXXX, 2016. Trans Union did not perform an investigation. The credit report was a regular credit report ; not the annual credit report. Since it was a regular credit report according to the Fair Credit Reporting Act, Trans Union had 30 days from date they received my written dispute to conduct their investigation. Today is XXXX XXXX, 2016. Trans Union clearly has violated the Fair Credit Reporting Act. Items that can not be verified within the 30 day period must be removed from my credit report. Please make Trans Union remove these unverified items listed below. Trans Union is and has violated the Fair Credit Reporting Act. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX I have wrote Trans Union more than 5 times, with proof showing them I have never lived in TX. That this address was used when my identity was comprised, but they will not remove this address. 

Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax potential impact check has informed me that I may have been one of the affected personnel from the credit reporting breach of 2017. Was informed around XX/XX/XXXX, the breach apparently occurred several months prior : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Can not get confirmation one way or another that if I enroll in XXXX XXXX, that I would opt-out of any arbitration rights due to this breach. 

Applied for 90 day monitoring through Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other

Complaint: Citi is issuing a XXXX brand VISA credit card to replace an XXXX XXXX XXXX credit card. I was not asked if I wanted the Citi VISA card or given an opportunity to opt out, either by XXXX or Citi. Citi ran a credit report without my permission and as a result, my XXXX score plummeted.

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with Equifax,  XXXX , and  XXXX . This account was paid in full on  XXXX   XXXX ,    2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Credit card debt) with Prosper Marketplace, Inc. (IL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: In  XXXX    XXXX  , I was contacted by  XXXX   XXXX   XXXX  of  XXXX   XXXX , CO through their  XXXX , AZ office indicating that they were representing   XXXX   XXXX    XXXX  regarding a loan that I had with Prosper Funding, LLC that was purchased by   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX  proceeded to violate multiple sections of the FDCPA and Colorado FDCPA as well as numerous Illinois consumer protection laws regarding debt collectors. Specifically,  XXXX   XXXX   XXXX  called my employer  20 times in one da y and when I did not timely return a message that was left, the collector called every member of the executive management team at my place of employment and left messages on each persons voice mail to contact  XXXX   XXXX   XXXX  regarding a matter concerning me. A message was also left on the HR Mgr. voice mail to call regarding an issue with my payroll. I was threatened with wage garnishment and the debt was disclosed twice to my  Mother  who is not a responsible party to the loan. After numerous emails asking the agency to stop calling me at work and being ignored, I finally submitted a cease and desist request to the owner of the company and threatened to sue them for the FDCPA violations. The matter was referred to the corporate attorney  XXXX   XXXX   XXXX  who subsequently offered me a cash settlement of {$1000.00}. I rejected the settlement offer and requested that the issue of the debt be resolved.  XXXX   XXXX  informed me that  XXXX   XXXX   XXXX  nor he is no longer handling the account and that it has been referred back to   XXXX   XXXX   XXXX   XXXX  ho now owns the account and that legally he nor  XXXX   XXXX   XXXX  can discuss the account with me. I have sent  XXXX  unanswered emails to   XXXX   XXXX   XXXX   in an attempt to find out who is handling the matter in an attempt to address not only  XXXX   XXXX   XXXX  and their abusive collection tactics on behalf of Velocity but the debt and its disposition. No one will respond to me. I contacted  XXXX   XXXX   XXXX  by phone who identifies himself as the Compliance Officer at  XXXX   XXXX ,  XXXX  and he claims that he needs to confirm from  XXXX   XXXX   XXXX  that they are no longer handling the matter before he can discuss it with me. I gave  XXXX   XXXX ,  XXXX  more than 10 days to confirm that and contact me and they have not done so. If   XXXX   XXXX   XXXX   refuses to address the issue of the debt with me and the abusive and illegal collection tactics of their collection agency with me, I believe that the CFPB should intervene on my behalf and also take discipline actions and monetary sanctions against  XXXX  and  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Because of an inaccurate name, address, and account that appeared on my other XXXX credit reports, I wanted to check my Equifax report. I answered their identity-verifying questions accurately, but it rejected me, which REALLY worries me. I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get between 5 and 10 calls per day from USAA. I talk to the first caller in the morning, and the calls still continue the rest of the day. We lost our business in XXXX, so we have not been able to keep up with our credit card debt ... we are just trying right now to save our home. I tell them all the time ... when I have some money, and get ahead ... I will start taking care of the debt ... but it does n't matter, the calls continue all day.

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 10-07-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NE).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Mortgage Company withdrew funds from my account on a date prior to the date I agreed to on an online electronic funds transfer form. I received no online confirmation of my choice of payment options. 

When I requested that the funds be restored to my account I have was asked to provide a statement from the bank stating that the transaction was guaranteed. I did so. Funds were not restored to my account. 

When I called to inquire about the issue, since no one from the company contacted me to let me know there was a problem I was told all supervisors were unavailable until the close of business on the next day. 

The problem as I see it is that their online interface is faulty and did not allow me to choose the date I desired, instead reverting to their preferred date. I tried to correct this at the time I noticed the funds were absent from my account and still the selection reverted to their preferred date. A customer service rep had to change the date herself because my attempts did not work. 

I have been given the run around and still no restitution of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They just keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have n't had a late payment in almost 2 years wanted to get theses removed I have paid off the account

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have XXXX credit inquiries in my credit report that are not made by me. XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX, XXXX , XXXX XXXX XXXX, XXXX, XXXX/XXXX and I called their customer service would not help and take care of the negative inquiries reported in 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 04/19/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Their is an eviction coming up on my record that is preventing me from renting an apartment. This eviction was from  XXXX  and it was ordered by  a Judge t o be dismissed and the files to be sealed on  XXXX   XXXX ,  XXXX . This eviction is still coming up on my record and I am homeless with my kids because no one will take the legal documents that I have regarding this case. In order for me to rent an apartment.

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 05-05-2017 about Credit card or prepaid card (Store credit card) with Blackhawk Network Holdings Inc. (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was sent an exclusively yours reward card with the dollars that I had earned through various gifts ( which I paid taxes on ). I received the card late in  XXXX   XXXX . I was unaware that the card was set to expire in  XXXX  of  XXXX , the only reason that I realized this was because the card was declined when trying to make a purchase on  XXXX   XXXX ,  XXXX . I tried to call the company responsible for the card ( exclusively yours ) and they are stating that " they can not help me, the money is gone once the card expires ''. I am having a hard time with this, especially since I paid payroll taxes on that money and was unaware of this arbitrary expiration date. The card number for this account is  XXXX   XXXX   XXXX   XXXX , security code  XXXX . Any help that you could provide me with this matter would be appreciated.     Thanks,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had fraudulent charges in my bank account totaling in excess of {$23000.00}. I explained this to my bank Capital One bank. The charges are all from a company called XXXX which they informed me is a trading company. I did not approve this account and they have no information where I signed any paperwork indicating that I opened an account with them. I told my bank Capital One that I lost my wallet in the summer of 2015. I did not say this is the cause of the fraudulent activity, I do n't know how they got my information and assume it was through some form of internet hacking or it could be someone who has my information. Although Capital One bank has not decided as to whether they will give me credit for this money, I need help as to getting a fair process as they sound a bit accusatory when I spoke to them on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (Other type of mortgage) with SUNTRUST BANKS, INC. (PA).
Issue: Struggling to pay mortgage

Complaint: Over the course of the last few months I have been working with a housing counselor to modify my mortgage with Sun trust. Since then my loan modification has never been properly processed by the lender. Every time I try to submit documentation in a timely manner the process gets held up or is not reviewed within an ample time frame. I continue to call for updates to the file to no avail. Sometimes the excuse is that the proper forms were not submitted so again I review and send in whatever documentation they are requiring. After many attempts both by myself and with a housing counseling professional these issues continue to happen and the file gets either pushed back or denied due to issues of delivery. Sometimes they claim the file must be submitted either by pdf. format or by only XXXX pages total through the Suntrust loss mitigation email portal. I have tried every which way to submit accurate information in a timely manner only to hit a wall with the processing department and their lack of getting back to me in a way that can resolve the issues I 'm having. The forms I have submitted are accurate XXXX forms all pages and a third party authorizations as well were submitted. I have been dealing with the same problem for a very long time and I want to get some external help in resolving such detrimental issues. In addition to these setbacks the mortgage company also has changed the point of contact like XXXX to XXXX times over the course of the loss mitigation process. Also they been reluctant in the past to give me a better rate and term on the loan. The escrows have always been included in the payments and the overall values of the property have fluctuated immensely over the last couple of years yielding inaccurate information on property value. I have tried numerous times with failed attempts to try and resolve these issues with Suntrust bank. The interest rate has always stayed the same interest only and they have never tried to put me into a more fixed conventional loan that can get me into a better loan.

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 01/25/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have the Home Depot credit card through Citibank which I have had for years, perfect pay, ents I have been dealing with hurricane Irma, so I have had to make all the repairs out of my pocket, I was fortunate enough to get anything from fema or insurance didnt pay for anything, this is included insurance, this isnt included, this doesnt reach deductible so I asked them a few months ago to defer my monthly credit card pay, ent, they did for two months and thats all they can do, so they say. But other credit card companies for example XXXX, they have been very nice about deferring payments. All I wanted was for Citibank to defer the payments until XX/XX/XXXX, that way I am back to normal and I start paying, I dont think thats asking much, especially being proactive, most people would ignore it and they wouldnt respond and I didnt do that, but I have to do it in emails because the phone service has been so bad since hurricane Irma, you cant hear anyone on the phone, phone doesnt ring, what I am supposed to do????? now I am supposed to be punished for this, 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 04/20/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have had XXXX public records removed from both my XXXX report and also my XXXX credit report. I reported this to the Equifax company and they refuse to remove the XXXX public records as to follow suit with the other XXXX company 's that removed it do it being taken care of. Please help get it removed so that they all, show the same.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose prepaid card) with Empowerment Ventures, LLC (IN).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: Hello I called RushCard on X/XX/17 and X/XX/17 to get information about my cards services rushgoals explaining the feature in detail also to breakdown my actual deposits and amounts for a lawyer. This information was not provided to me as I was disconnected from the call by a representative twice. There is no corporate contact number as this is for legal purposes.I also asked for corporate contact info and the legal department info as well and was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Checking or savings account (Checking account) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (NM).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX, XXXX my Account was compromised by the XXXX XXXX XXXX XXXX. Washington Federal Bank took immediate action againist, the Hotel Manager but, the Hotel Manager has had all the 'laughs ' for the last ( 5 ) Months, And Now the Bank participates in the 'laughs ' as Well. 

1 - Debit Card is not functional for XXXX/XXXX which is, 'crictical ' for Water Supplies without Incident and Injury as well as, USPS Mail Pick-up. 

2 - Policies for Insurance Coverage for " Renters '' and " Identity Theft '' were of ' 'Formal Compliant ' for XXXX, XXXX and XXXX only, covering XXXX Weeks of Renters XXXX and 0 Days of Identity Theft Policies. ( 5 Payments totaling {$75.00} ) 3 - Discrimination in Fair Rent, Discrimination in Fair Credit Reporting, Discrimination in Fair Housing. ( Overcharges {$1200.00}, Losses {$800.00} )

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 08/24/2015 about Debt collection (I do not know) with ERC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ERC XXXX was put on my credit report and I called. They wo n't remove it and are trying to make me send a bunch of information even after they admit its the wrong name and social security number. I submitted complaint 1 with CFPB and they removed it immediately and now it is back a month later. Called again and same result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief