milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX Please investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX I am requesting an investigation of this collection because the assigned date and date of last activity does n't seem right. Please remove this collection from 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 12/13/2017 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: JH portfolio violated their no contact order and sent a letter in the mail to me on XX/XX/XXXX, AFTER they were ordered by the judge to CEASE AND DESIST. I filed chapter XXXX bankruptcy with case XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX. However, JH portfolio drafted this letter on XXXX/XXXX/XXXX and mailed it my home AFTER my discharge. The creditor was contacted in XX/XX/XXXX and scheduled to appear at my meeting of the creditors on XX/XX/XXXX. JH Portfolio were a no-show, therefore discharging my debt.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: During our application for a first-time mortgate, it came to our attention that I have had several unauthorized hard inquiries to my credit report by SYNCB/XXXX, most recently on XXXX XXXX, 2017. I have never applied for any type of credit through this company, nor have i authorized any type of inquiry.

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 01/22/2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Enclosed are detailed transactions from my bank statements and credit card accounts for my XXXX XXXX XXXX account for XXXX, XXXX, XXXX and XXXX. XXXX XXXX XXXX " rolled my payments '' and reported all of these months late. Payments were made within 30 days. Therefore, my credit report should not be reporting late or delinquent for any of the months. Please see attached and update immediately.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Seterus, Inc. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Seterus has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule, Seterus proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We got behind on the mortgage payment for my Mother 's estate ( XXXX XXXX XXXX, ( aka XXXX XXXX XXXX, deceased on XX/XX/XXXX ). On XX/XX/XXXX a letter was sent from Wells Fargo Mortgage ( WF ) with a refund check of {$56.00} for " unapplied '' funds. A delinquent status letter was received.around the same time. A WF statement dated XX/XX/XXXX was received later in the month. showing a balance due by XX/XX/XXXX of {$1700.00}. On XX/XX/XXXX, I made that payment in full by cash payment with a payment coupon at the local bank as I had previously done. The next day ( XX/XX/XXXX ) I received a letter from WF ( dated XX/XX/XXXX ) that loan had been referred to attorney. A second letter from WF ( dated XX/XX/XXXX ) was received 2 days later. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, demanding payment in full to avoid foreclosure. I subsequently hired XXXX XXXX XXXX to resolve the wrongful foreclosure action. It was determined that WF had misapplied the XXXX XXXX payment to a Closed Credit Card account without comment, instead of the mortgage account. He received confirmation from XXXX. XXXX XXXX that the foreclosure was cancelled on XX/XX/XXXX. Wells Fargo has since refused payment to bring the account current for the months of XXXX by payment attempted on XX/XX/XXXX. Wells Fargo is now demanding payment of mortgage payment that they mis-applied and attorneys fees for the wrongful attempt to foreclose on the property. I have received a response from XXXX XXXX XXXX in response to the inquiry initiated by XXXX XXXX. Wells Fargo continues to be unwilling to apply the previous payment to the mortgage ; thereby demanding a second payment of those funds already paid. They are also demanding payment for the wrongful foreclosure action. They refuse to take payment for the mortgage payments currently due. On XX/XX/XXXX, I again received a statement from WF, showing yet another balance due after their apparent payment of property taxes. However, a check today of the property taxes shows that only tax payment for XXXX lot not both lots under the mortgage has been made.

Company public response: Company chooses not to provide a public response
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. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: During the Equifax Security breach on XXXX XXXX, 2017, I was one of millions of Americans who had their information leaked to a hacker ( s ), including my social security number, credit card number, address, DoB, etc. This is extremely nerve-wracking, as I 've seen identity theft ruin both friends, and family members lives. 

While nothing has been taking from me yet XXXX and hoping that this does n't change XXXX, I ca n't help but live right now with the constant thought that somebody out there can make an attempt to get a loan, credit card, etc. under my name, causing my future financial status to be at stake. 

While the company has n't done anything yet, investigations are being done to help those with issues.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: I initially file the dispute 6 months ago when I initially file the dispute I provided supporting documentation I provided things like a XXXX tracking number showing when the package was returned back to the merchant showing the proper weight, ect. About two months later the temporary credit that was issued was reversed the bank asking for proof that I return the merchandise keeping in mind two months earlier I already gave them all of this information clearly they did n't look through it when I brought that to their attention they reissued the credit and started the dispute process all over again then I received a letter telling me that they are still working with the merchant attempting to get a permanent credit then a few weeks after that once again I get another letter where I 'm told that I 'm being charged again but temporary credit is being reversed and it goes on to say that I filed a false dispute I am absolutely clueless what you 're talking about in the information you sent me with this letter all it is is my order confirmation I 'm not disputing the fact that I placed an order with the company I 'm disputing the fact that I return the defective product well within their 30 day return policy its not like XXXX is just making this information up they weigh the package multiple times throughout the transit back to the company we can see where it was delivered By the way I used the companies shipping label that they asked me to use so again it 's not like everyone does not already have the return shipping info.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2016 about Mortgage (Conventional fixed mortgage) with Harmon Law Offices, P.C. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was sold and no-one ever sent us any information as to who owned our mortgage. We tried to find out who was the owner of our mortgage and we had no avail. We got a letter last year from Harmon law about being behind in our mortgage. WE finally found out the name of the bank which is XXXX XXXX. who had been mailing our mortgage statements to someone else in another state CA. We finally gave them our information and they were suppose to send a home motification package in XXXX we have not received it. Now we are listed in the paper as being forclosed on in 5 days. We have not had a letter from Harmon Law about the foreclosure date. We want a chance to catch up and save the equity in our home. Thank you for your help XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Trouble during payment process

Complaint: I had home loan mortgage with Washington mutual bank from XXXX to XXXX, for year XXXX and XX/XX/XXXXmy real estate taxes paid on somebody else home instead of my home. My loan id # XXXX. I need payment history for year XX/XX/XXXXand XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I bought my first house in Florida after graduating from college and securing a job. I settled down and had a family. Then, my job relocated me out of state. The housing market crashed. I had a high interest rate XXXX % and was severely 'under water ' and I could not refinance. I submitted several hardship requests to the bank asking for help with little help. I held on for the property for over 5 years and consecutively lost money every month. 
My husband lost his job and my son had health problems. I could no longer afford to lose money on a XXXX residence that I finally put the house up for sale. I bought the house for $ XXXX and sadly could only sell the property for $ XXXX. 
Before finalizing the short sale, I worked with BBVA Compass where I would pay $ XXXX of the short sale. I never received a bill or statement so I sent in a check to the normal address for mortgage billing. My check was returned with the response of 'account has been closed '. I called in several times to only get a voicemail and my calls were never returned. 
A few months later a debt collection company reached out to me with a XXXX bill. I did n't have that much money. We negotiated a {$2.00} settlement to cover the whole outstanding balance with Compass Bank. The next month I was served with court papers. I immediately hired a lawyer. I was never notified of my court date and now I had a judgment of the full balance ~ $ XXXX. 
I tried working with Compass Bank continuously since the judgment date ( XX/XX/XXXX ). Their legal team was not aware of the $ XXXX settlement paperwork. I 'm trying to get them to work with me and they refuse and want to play games. For example, they offered me a settlement option at $ XXXX XXXX 2015. I tried to accept the offer later in the year ( after securing enough $ $ ) and now they wo n't accept that offer. They continue to garnish my bank accounts and cause emotional distress to family. Their greed and business practices are disappointing and unethical. I want to terminate my relationship with this company and move forward but they will not make any counter offers or strive to make an attempt to resolve this issue. 
I 've tried requesting help from governmental agencies with no luck. There are a lot of programs available but because the loan was not underwritten by XXXX XXXX or XXXX I have n't qualified. Please help!! 
Respectfully, CBK

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Continue to have issues with Equifax credit reporting service removing and then replacing collections on my report. XXXX XXXX removed both collections from XXXX and XXXX from all XXXX credit reports. Equifax removed the accounts, then placed them back. Each time they do this, it hurts my credit score. Equifax continues to not fix errors on reports, and when they do, they turn around and place the information back on the report.

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. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX Equifax was hacked and lost roughly half the country 's social security numbers and other personal details, and then waited over a month to announce this publicly. 

I went on their website after it was announced yesterday and checked and it appears my details were leaked. For this gross negligence and mishandling of my and millions of other people 's details they are offering one miniscule year of credit monitoring, which is idiotic considering years from now this could still cause me problems. 

I want government intervention and this miserable company as well as all their CEO 's and its executives held to justice for the gross negligence exhibited by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (SC).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint concerns a mortgage loan issued by US Bank. The mortgaged property was sold on XX/XX/2016. The annual real property tax due on the house, approximately XXXX, was paid twice at settlement. The standard procedure in cases of this kind is for XXXX County in Maryland to refund half of the overpaid tax to the settlement agent for seller for remittance to the taxpayer, and half ( approximately {$10000.00} ) to the mortgage banker, in this case US Bank, for remittance to the taxpayer ( I.e., the mortgagor of the property ) XXXX County duly refunded the overpayment. The settlement agent has refunded {$10000.00} to me. On XX/XX/2016, XXXX County refunded {$850000.00} to XXXX, lenders'agent for the payment of real property taxes on mortgaged property. This sum inicluded many refunds, including the {$10000.00} due me. Notwithstanding the receipt of the refund over three months ago, US Bank has not repaid the tax refund to its proper owner. 
It thus appears that US Bank is exploiting its position as mortgage lender to unlawfully appropriate, and use interest-free, funds that belong to consumers with which it deals. Considering that my tax refund was one of numerous tax refunds paid on XX/XX/XXXX, US Bank may be engaged in the general practice of misappropriating consumer funds.

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 05/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with Flurish Inc. (AR).
Issue: Problem with the payoff process at the end of the loan

Complaint: I ha d a Prime loan with LendUp. I got a loan from my credit union and they sent a check to LendU p to pay off my loan in mid  XXXX . The amount they sent was more than the pay off. I 'm not sure the amount of the overage, but probably $  XXXX .     I have contacted LendUp repeatedly and they take days to answer messages. All I have received from them is that my refund " is in process ''. I can not reach anyone by phone. Their phone system directs me to utilize the message portal on their website.  XXXX  messages me back sometimes, but I still do n't have my money.     I started contacting them over 30 days ago and nothing has been resolved.     Horrible customer service.

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 05/14/2016 about Debt collection (Medical) with Northwest Collectors Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collection agency keeps reporting a collection account on my credit report which does not belong to 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 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was astonished once I obtained my XXXX XXXX and XXXX XXXX reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IN).
Issue: Account opening, closing, or management

Complaint: I received a promotional offer to receive XXXX AAdvantage bonus miles after opening a new consumer checking account in the Citigold Account Package and completing the qualifying activities. The requirements were to make {$1000.00} in qualifying debit card purchases and 1 or more qualifying bill payments for 2 consecutive calendar months within 60 days of opening the Citigold checking account. 
I completed every requirement stipulated to receive the promotional XXXX AAdvantage bonus miles : opened the qualifying Citigold checking account before XXXX/XXXX/XXXX, made {$1000.00} of qualifying debit card purchases, posted, within 60 days of opening account, and made 1 qualifying bill payment, posted, each month for two consecutive calendar months. 
The XXXX AAdvantage bonus miles were to be posted within 90 days from the statement period in which I completed all the promotional offer requirements. 
I contacted Citi via their online chatting system on XXXX XXXX, XXXX to confirm my enrollment in the promotional offer, which was confirmed, and I have copy/printout of the online chat as supporting evidence. I contacted Citi again, via their online chat system, on XXXX XXXX, XXXX to confirm I had met all the promotional requirements, and again they confirmed that I did. I also have a copy/printout of this conversation as affirmation. 
I made several inquiries both via online chat and phone calls after the 90 day period had passed for Citi to post the XXXX miles to my account. After numerous ( 5-10 ) inquiries and ~2.5 months later, Citi finally responded with a letter informing me I will not be receiving the XXXX AAdvantage bonus miles. 
How can I, as a consumer and a client, put faith or trust into Citibank, a major financial banking institution when they create and market promotional offers and then do not honor on the bonus reward after. I am past frustrated and beyond disappointed. When Citibank failed to honor the promotional reward miles, they morally, ethically, and professionally breached an agreement. Bad business practices and breached agreements have lead me to you, Bureau of Consumer Financial Protection. If my personal issue can not be addressed, please prevent the bad business practices of Citi to affecting others.

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 04/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: a mortgage co bought out my mortgage and kept putting partial payments in an account they called " unapplied funds '' even though I told them it was extra principle over and over again. when they finally applied the funds correctly, they cheated by not applying them to the correct month. as a result the discrepancy continues growing each month despite my constant complaints

Company response to consumer: Closed with non-monetary relief