milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2015 about Debt collection (I do not know) with Second Round Limited Partnership (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested a detailed verification of a debt I was not familiar with. I sent the letter and was sent a response that was not sufficient for me to be able to identify if the debt actually belonged to me. I did not get any satisfactory answer after their initial response.

Company response to consumer: Closed
Consumer complaint received 11-05-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX my Macy 's credit card information was stolen from a Macy 's store in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. Fraudulent charges were made of {$200.00}, {$210.00} and {$56.00}. Totaling {$470.00} in fraudulent charges. I found out about the fraudulent charges as I am registered to receive invoices/receipts via email. Upon discovery, I called Macy 's to report these charges and to close the credit card account to prevent this from happening again. The representative informed me that if I closed the account I would have to go through the approval process to to open a new account. I informed her that I did n't care and all I wanted was to close the account to prevent future fraudulent charges. She finally confirmed to me that it was closed and an investigation case was started. The case # she gave was XXXX. In addition, the representative informed me that I needed to complete a statement of fraud, which I did and faxed on XXXX XXXX. Since then, I have called them three times and the representatives have informed me that the case is still under investigation. In addition, they have confirmed to me that the account appears closed. On XXXX XXXX, more fraudulent charges were made to the account totaling {$84.00}. I was under the impression that my account was closed. When I called again, the representative informed me that someone within the company decided to reopen the account. Coincidentally new fraudulent charges were made to the account. The company was not able to explain how this happened. Especially an account that is already under investigation for fraudulent charges. I am so tired of dealing with these issues and do n't know what to do anymore. I feel helpless as no one at Macy 's is able to help with this matter. This is all too shady and unethical on Macy 's part. I really hope this sheds some light on Macy 's credit card practices as what they are doing is not right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am writing you this letter to dispute XXXX late payment history from XX/XX/XXXX-XX/XX/XXXX due to their loan modification program that I did n't sign up for. In XX/XX/XXXX I was approached by XXXX about being qualified for a loan modification. I declined the loan modification, only to have XXXX hold my payments as well as give me alternative payment dates. From the information XXXX provided me I thought I was 3 months ahead on my mortgage payment, only to find out because XXXX held those payments I was 3 months behind. 

I went to refinance my home in XXXX XXXX and was told there was a hardship attached to my credit, as well as late payments due to XXXX loan modification program. I have attached a screen shot of my account showing my loan modification documents are still under review XX/XX/XXXX. I as well continue to receive letters from XXXX concerning my loan modification that I never signed up for. 

I spoke with a XXXX rep XXXX XXXX, XX/XX/XXXX, and both reps told me all the information I provided above was correct and that indeed XXXX did hold my payments and I was still under consideration for a loan modification. My account was escalated to XXXX home owners support specialist team. I have spoken to over XXXX people regarding this issue at XXXX several have stated that the problem would get fixed but it has n't. 

This has caused serious damage to my credit, XXXX needs to step up and fix their mistake. It took me calling XXXX for the company to even notice a loan modification was still pending on my account 4 years after I turned it down. That 's just ridiculous. 

I ask that all payments from XX/XX/XXXX-XX/XX/XXXX be corrected to Payed on time due to the loan modification I never signed up for. Since disputing this information my loan has been sold. Attached you will see that I have never been charged XXXX late fee

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (I do not know) with Resurgent Capital Services L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no knowledge of this account. I have never had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Medical debt) with I.C. System, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: While trying to refinance my home with XXXX XXXX  my credit report reflected I had several debts amounting to {$16000.00} with XXXX XXXX. I did not recognize that debt nor had I received any notices from IC Systems ( collection company ) regarding these amounts. XXXX bank representative called IC Systems trying to clarify this matter but they ended up giving us the phone number of a local hotel instead. I was able to get proof from the hospital that I did not owe anything to them and that they had not sent me to collection either. The hospital representative also called IC Systems to explain the situation buy they said to call in a while. I have called them again but can not get a definitive answer because they say they are disputing with the hospital and they can not give me proof that I do not owe anything. Meanwhile my credit is messed up and can not go forward with my 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 09/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (CA).
Issue: Credit decision / Underwriting

Complaint: On XX/XX/XXXX we apply to Keep Your Home California for a Reduction of Principal Balance of my mortgage. We got approved on XX/XX/XXXX for a Reduction of or voucher of {$75000.00} towards the Principal Balance of my Loan with Seterus Mortgage. Seterus Mortgage received the amount of {$75000.00} from Keep Your Home California Relief Program, around XX/XX/XXXX or XX/XX/XXXX, since then we have encounter a delay from SETERUS to apply to amount to make the modification or our Loan with them, we called them and ask them and they have a very unprepared employees working for them they do n't know how to help us to resolve what is happening with the money that they get from the State to help us out, but they assure us that the money is there is just waiting to be allocated in the Loan. In the meanwhile calls and calls from the Collection Department to collect the money that they not even know why we own the money to them. It has been a very hard process for us because the suppose to send us the package that we need to sign and they forgot to send it to us at the end. And this happened a couple of times already and still they do n't have the Loan fix yet. The {$75000.00} is still in their position waiting for them to work and apply it to our Loan. We are very stress out with this, they had lost our paperwork a couple of times as well. We do n't know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Processing Group LLC (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX Inquiry from XX/XX/XXXX - Misc. 
This inquiry could stay on my report until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above information was found on my credit report regarding a company I do NOT recognize. They made a hard inquiry on my credit somehow and I want it removed immediately.

Company response to consumer: Untimely response
Consumer complaint received 03/14/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WY).
Issue: Making/receiving payments, sending money

Complaint: In a discussion last week with my Landlord & why they were cashing my " Bill Pay checks '' so late. Wells Fargo gets directed to pay all of my chosen creditors on the XXXX of each month as my XXXX gets deposited. Some are electronic and others are by paper check. The paper checks are rarely ( if ever ) delivered before the XXXX, this month ( XXXX was an exception ) showed in the XXXX. I did further checking and just about all of the other paper checks are cashed between the XXXX & end of month. This has convinced me that Wells Fargo cuts the checks & debits my account on the XXXX as requested but places the checks in a mail-room for a week so they can utilize customers funds longer. When they mail the checks, there is no postage meter stamp or postmark given to verify when the checks are sent. If they are doing this to all their Bill Pay customers, they are making an extra week or so profit off of the money not sent as requested! How many people are/were as oblivious to this game as I am?

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 09/28/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: I set up my payments to be paid on Lowe 's credit card site. I have XXXX bank accounts to set up for payment. In XXXX and XXXX 2016, I attempted to make a payment that returned because my bank said the correct account number was not presented. I checked the portal and confirmed the correct account info was there. When the payment " returned '' as stated by Lowe 's credit card, I immediately went in the store to pay. I called in to advise what happened and was told that my account was closed and no purchases could be made. I have a XXXX balance and had a XXXX credit limit. When questioned I was advised that my account was closed not for non payment or late payments but because of XXXX returns in 12 months. This is an Unfair and Deceptive Practice. My items were not paid because the were not presented correctly. Now closing my account will affect my Credit Score which is a violation of FCRA due to providing inaccurate information. Lowe 's Credit never disclosed that a credit limit or account will be closed due to an item not being paid. The agent told me that the system automatically closes the account and if I want to reopen I have to reapply. Again another inquiry will drop my credit score. I am very proud that of my credit score and that I pay all my bills on time. This incident will negatively affect my Credit and I did not cause the problem. I could understand the closing of the account if I was delinquent, but I was not. Please also note that I paid my account off in XXXX by paying XXXX in the store which was paid. XXXX and XXXX payment that was not paid due to lowes credit error was a XXXX payments. Please correct my account. If the account will remain closed, delete the trade line. Account Closed by creditor negatively affects a consumers credit

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 11-01-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Shopping for a loan or lease

Complaint: I was in the process of trying to purchase another vehicle because the vehicle that I have cost to much and i have had it for 2 years. The amount has not went down. It is still the original amount XXXX and that is the pay off. I ask them what have we been paying on and they have me excuses. I ask for management and they still have to talk to customer service. The vehicle is a XXXX XXXX XXXX. My credit report has been sent to several lender and including Santander with reference number XXXX. I bought the car XXXX XXXX and I was told that we trade it within two years with no problem. Now I having problems Santander will not finance me and they pulled my credit report twice and still the same denial. I do not know what is going on the business practice but my payments have not went down. There is some discrimination going on with business practice and it strange that response is the same on the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have student loans through Navient ( formerly through XXXX XXXX ). I have consistently submitted paperwork for income based repayment before the due date. They have not responded in a timely manner ( sometimes 2-4 months after paperwork is submitted ) so I have huge late payments and fees that are added onto my loans. This last time I submitted income based repayment application, it was submitted well before the due date and I spoke with a representative to get exactly what proof would be accepted. After the previous IBRP expired, I was informed the paperwork was illegible. I finally was able to contact a representative who told me that the proof was fine, it just needed to be signed by my husband because it 's his income. Because of their poor customer service and innaccurate responses, I 'm charged late fees and have more money being added to my loans. When I graduated in 2006, my loan balance was approximately {$46000.00}. It is now nearly {$60000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My complaint is on the fedloan servicing lender. 
The school I attended is XXXX XXXX in XXXX XXXX, CA which does n't exists in that location anymore. 
My mom has been trying to pay off a parent plus loan that has now accumulated to over {$30000.00} because she has been qualified for low income payments. She even qualified for a little more than a year on a program where she had to make $ 0 monthly payments for 10 years and then the loan would be forgiven. Then they requested proof of income from her and because she makes more money than the year before she had to start making {$150.00} payments with an 8.500 % interest rate. I have called on my moms behalf to see if she has any options to lower the interest and they say they do n't but that she only has to pay for 10 years and then her loan would be forgiven, they keep giving her the same story. Based on the owed amount and the interest rate, she will never pay towards the principal any money. I informed them and they said I 'm correct. So I asked them " are you telling me she is basically only going to pay you interest to hold the loan and never pay the principal? '' And they said yes. I believe they are a huge scam for the practices they are doing because of course my moms credit score is not high, she does n't make enough money and she ca n't get a loan to help her pay off this enormous amount, but they keep getting her into programs that promise to " help her ''. I have read about predatory lender practices and I believe this is exactly what they are doing to my mother. I have even Googled this service and there are so many complaints out there I believe there should be an end put to them. We are honest people trying to pay off a loan that does n't seem to have an end. To make matters even worse, she just took my younger brother to attend school and they placed a new loan under the same lender. We dont understand why they did that. 
Thank you very much for all your help and your time taken to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   IS REPORTING DELINQUENCIES OF 30 AND 60 DAYS ON MY CONSUMER REPORT. IT HAS DAMAGED NY CREDIT SCORE BY   XXXX   POINTS.
I CALLED THEM AND THEY SAID THERE ARE NO SUCH ITEMS BEING REPORTED.
HOW DOES THIS GET FIXED? THE  XXXX  BUREAUS SHOW IT.   XXXX    SAID IT IS N'T SO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I previously had a home equity loan with XXXX XXXX ( XXXX XXXX XXXX ) that was discharged in Bankruptcy more than ten years ago. The loan amount and information is incorrect and appears on my credit report as if it is a much newer loan. 

XXXX wrote a letter ( see enclosed ) which supports my position. XXXX sent the letter to all three credit reporting companies recommending that they remove the account because the loan was discharged in bankruptcy more than ten years ago. Two of the three have complied. The remaining Experian has to date refused. I have called Experian a number of times and have even spoken to a manager. I have filed complaints through their website but to no avail. I sent Experian my bankruptcy papers the same papers I sent XXXX. The people at Experian seemed confused that XXXX XXXX was formerly XXXX XXXX, which is a well known fact that they changed their name of business. They seem confused that the loan amount and information is incorrect and appears on my credit report as if it is a much newer loan. 
I told them the whole things is wrong and should n't be there to please take it off. XXXX did as well. 
XXXX : XXXX XXXX XXXX Please, I am trying to purchase a home and this is adversely affecting my credit score and my ability to get better terms on a mortgage. Please have Experian remove this very old home equity loan that was discharged in bankruptcy more than ten years ago. Thank you very much. 
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 02/15/2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I request credit reported on line on XXXX XXXX 2016, and ca n't print because computer it failed, please sent by e-mail to : XXXX XXXXXXXXXXXX. I need at soon posible to my lawyer. If ca n't please send by mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I have a {$100000.00} mortgage with Nationstar Mortgage for a condo that I purchased in XXXX. In XXXX XXXX, Nationstar added a force placed insurance policy to my account in the sum of over {$20000.00} raising my payment from {$640.00} per month to {$3000.00} per month. I am fully insured, and there was no reason for Nationstar to add this insurance policy to my account, and absolutely no reason to add such an expensive policy - I could insure the entire subdivision for {$20000.00} per year. I have contacted Nationstar by telephone on three separate days, and have spoken to numerous customer service representatives, all of whom have failed to assist me, and all of whom have refused to transfer my call to a supervisor. I have faxed and emailed the XXXX pages from my personal homeowners insurance policy, and my HOA 's insurance policy to provide proof of insurance. Still, I can not get Nationstar to change the insurance information on my account. Nationstar has not applied the funds I sent for my XXXX payment, and has those funds in suspense because the records state that I did not make a full payment of {$3000.00}, but made my regular payment of {$640.00}. I am now facing having a negative report sent to the credit bureaus as my account is past due. I do not know how to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (OH).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: My social number is incorrect on my background check

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I am suffering from a reduction of income by XXXX % and I reached out to the servicer of my mortgage to see if I could obtain a HAMP. I submitted all of the documentation and then a week later called the representative assigned to me. In that second conversation, she advised me the terms that FHA would give- and added that a {$40000.00} XXXX lien is going to be, no she stated exactly that, " a XXXX lien has already been filed on your house for {$40000.00} '' when I 1. was not even late with a payment and reached out to them in an effort to be proactive and not reactive 2. I had not agreed to any terms of any kind including what they were offering 3. a XXXX lien without any terms agreed upon places the house over the appraised value and would prohibit me from successfully selling the home. I have decided to attempt to sell the home and file bankruptcy. The terms that they offer is of little assistance. My complaint is the placement of the {$40000.00} XXXX lien when I in fact had not agreed to anything at all in any manner and was only seeking what options where available 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