milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a mortgage account # XXXX XXXX. In XXXX XXXX XXXX, XXXX - phone number XXXX has increased my payments due to escrow shortage. I was not aware of the increase amount. I therefore paid the regular mortgage payment. I later received a letter stating that my mortgage payment was not posted to the account because of a shortage. I requested a copy of the findings for the increase. However by which time XXXX has reported a 30 days late due to a shortage of payment. 
The fact of the matter I was not late with the payment, I made the regular payment but not the increase. I was told because I did not make the full payment that was due ( I was not aware ) I was reported late. I tried working with XXXX and also the credit bureau but XXXX has denied the request for retraction of the 30days late. I believe if anything my payment was short but not late. As a customer since XX/XX/XXXX with XXXX I believe they should look at the history of my payment and understand this is not a late payment. The payment was short due to an increase that I was not aware of. I request that they retract the 30 day late from all XXXX reporting credit bureau.

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 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My Experian credit report STILL shows I have lived in Oklahoma. I HAVE NEVER IN MY LIFE LIVED IN OKLAHOMA!! The closest I have ever lived in Oklahoma is XXXX XXXX which is exactly 354.1 miles from there. I have not nor will ever live Oklahoma.

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 04/27/2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had asked Equifax to investigate a few questionable items on my credit report. They sent back a report with something new on it that absolutely is incorrect and not mine.

Company response to consumer: Closed
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I called the HSBC to close my account of 2 credit cards XXXX XXXX, 2016. I specifically told them to cancel both cards and not open new ones. I then paid the balances of both cards shortly thereafter and expected to have no further dealings with the company. After several weeks I find out that 2 new credit cards were opened and charges were allowed to occur on both of them, without my knowledge or authorization. The charges amounted about {$30.00} per card, but to date, due to interest and late fees, the total is now several hundred dollars on each card. I have called HSBC multiple times this past year to try to resolve this problem and I keep getting bounced back and forth between the customer service dept. and the fraud dept. I have spent hours on the phone to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/18/2017 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: APR or interest rate

Complaint: High interest charge without a reason as I have an excellent credit ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: credit reporting company fail to provided me with proper notification of a debt collection that I have on my 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 non-monetary relief
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I recently found out I was sued by an old apartment company I used to rent from and this debt is now in collections. I looked up the court records and I was never served by this company nor the debt collector they hired nor the attorney 's office whom handled the lawsuit. Now this company is attempting to collect an amount even after the debt is older than seven years due to a fraudulently obtained judgement. This is tremendously unfair and abusive debt collection practices. I have tried to reason with them and they will not cooperate or help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Medical debt) with Strategic Alliances, Inc. (UT).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Received phone call from a XXXX XXXX, representing First Financial Asset Management, located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, GA XXXX. 

Before verifying my identity over the phone, XXXX XXXX began releasing medical debt information ( hospital, dates, patient info ). I had asked her to refrain from doing so, but she insisted that my identity was verified ( it was n't confirmed who she was speaking to ). I asked for a supervisor and the call was passed to a XXXX XXXX ( sic ) who then transferred me to his supervisor, XXXX XXXX. Throughout this call, my identity was not confirmed, but information was released with regards to the subject of their call.

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 01/19/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In XXXX I had a legal issue with WELLS FARGO BANK -- - Long ago it has been adjudicated in XXXX. CASE CLOSED! Yet they keep negative reporting on me. Please cease and desist. Matter is over and done,

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted XXXX on several occasions. First for several inquiries that I was not aware of on my report plus being a victim of one of the millions whom information was stolen. I advised them that one account on my record is not mines because I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX of {$990.00}. I am not responsible for this debt so please deleted it from my report. I have contacted XXXX on XX/XX/XXXX, XX/XX/XXXX and they will not removed nor verified the information. I have sent in an inquiry dispute letter on XX/XX/XXXX they sent me a letter stating it was completed on XX/XX/XXXX. I called in to ask why was it completed because there was no way it only took one day to verify the information. I submitted another dispute on XX/XX/XXXX and the same thing completed same day. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer  reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Thanks in advance I have also added a fraud alert to all my reports.

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 08/18/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MI).
Issue: Trouble during payment process

Complaint: I am a XXXX XXXX working with a client. I have beenb unable to resolve my issues with Loancare, despite numerous efforts. The client was approved for a trial loan modification with XXXX XXXX with instructions to make trial payments in XXXX XXXX. If the client maintained the trial payments, permanent modification documents would be sent out after the XXXX XXXX payment was received. The client made the XXXX XXXX payment but was informed in XXXX XXXX that the loan was sold to Loancare. The client began making payments to Loancare once he received updated payment instructions from Loancare. The client has been making payments on this trial payment ever since, but has yet to receive any permanent documents. At this time, the client made 2 payments to XXXX XXXX before the loan was sold and 4 payments to Loancare. I have tried reaching out to the single point of contact assigned by Loancare. He is never available and only returns voicemails if I escalate the case to a supervisor. When he does return the voicemail he tells me that he is escalating the case to underwriting and that I should check back in 24 hours and he will have the situation resolved. However, when I try to reach him 24 hours later, he is unavailable and does not respond. This " escalation process '' has occurred twice now. I have also tried speaking with a supervisor about this case but am repeatedly sent to voicemails. When I ask to speak to a supervisor who is available, I am told that the agents have no way of seeing who is available before they transfer the call. In the meantime, the loan is still listed as being in foreclosure status even though the client has fulfilled his obligations under the trial modification agreement. I also believe Loancare is continuing to charge late fees while they refuse to process the modification.
In addition to the specific mishandling of this loan modification, Loancare 's phone system is also incredibly difficult to navigate. I finally found the direct number for loss mitigation, as they are the only department with any authority to answer my questions ( per a customer service representative ) however, even when I call the loss mitigation department, my call is always rerouted to customer service or collections. The representative then tells me that since there is an overflow at loss mitigation they can not transfer my call back to loss mitigation but they also can not answer my questions.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: About 3.5-4 years ago I contacted XXXXt to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a XXXX, had a XXXX  child and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with XXXX and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was XXXX months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have disputed the following address XXXX XXXX XXXX, Texas XXXX with Experian for I have NEVER resided there. My driver 's license has never had this address. Experian keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.

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 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CU Recovery, Inc. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: THE COLLECTION AGENCY IS CALLING OTHER PEOPLE ( FRIENDS, FAMILY ) TRYING TO REACH ME

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: please remove this information off my XXXX equifax and XXXX report address on my report do not belong to me and

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they keep calling me to get debt i do not owe. i couldnt understand the women she was talking too fast but she mentioned that the debt belongs to comcast. i do not owe comcast anything and comcast did not contact me about any debt issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I obtained a HAMP modification on my XXXX mortgage. I submitted a loan modification request on the junior lien Green Tree Servicing holds on my property and we requested it be evaluated under 2MP. Afterward, I spoke to XXXX, a Green Tree representative on XXXX XXXX, 2015 to discuss status of a modification application I submitted. According to the representative, while she admitted I was eligible for 2MP, I was denied loan modification. 
The loan servicer participates in 2MP, a federal program, and my loan is eligible for modification pursuant to Federal guidelines. Green Tree refuses to participate in good faith in this program. I am living proof..

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Closing/Cancelling account

Complaint: I closed the account with citibank # XXXX exp XXXX/XXXX/XXXX name XXXX XXXX. XXXX and spoke to supervisor XXXX on XXXX/XXXX/XXXX at XXXX. central time. At that time XXXX told me that my recently paid fee of {$95.00} plus fees of {$26.00} would be credited back to my checking account since the account was closing. I verified that this would be the location of the refund since I can not use a " credit '' on a closed credit card account. To date ( XXXX/XXXX/XXXX ) I have received nothing and calls to them end in no one knowing anything. I want this money back in the checking account it was paid from.

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 06-09-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: InXX/XX/XXXX, I began to clean up credit report. XXXX was disputed as paid though XXXX ( XXXX XXXX XXXX, XXXX XXXX NJ, XXXX/ ( XXXX ) XXXX ) and removed inXX/XX/XXXX. ( see attachment ) About two weeks later, XXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX -- ( XXXX ) XXXX ) added an account for XXXX in the amount of {$900.00} to my credit report. On XX/XX/XXXX, I called XXXX and told them of this pay agreement and asked for it to be removed and sent a copy though U.S. mail. Also called XXXX headquarters number ( XXXX ) sent to ext. XXXX She said that they showed no agreement with XXXX. first puzzle if they showed no agreement then why was debt minus {$730.00} and disputed overbilled amounts from original billing. I called XXXX and they said paperwork was sent to XXXX on XX/XX/XXXX when agreement was paid in full. returned call to XXXX to let know of this and begins run-around. on XX/XX/XXXX, called XXXX to verify receiving agreement and again received run around. XXXX  told me that day that XXXX repeat of sending over contract confirmation would go though recovery and to call ( XXXX ) XXXX  thyis is a computer and I am not allow into it because I do n't know old phone number from XX/XX/XXXX. HELP, PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: At this point in my life I am realizing that I will never in this lifetime be able to pay off my student loans. There is no exit strategy or repayment option that will ever work. Furthermore after years media coverage on the issue, I am realizing that I have been steered in the wrong direction several times by the loan company. They have almost forced me into categories several times being forbearance or payment plans. My best interests were never a concern, it was always about them. I know I am just one of many situations like this. They have never been clear about their policies nor have they communicated any real options in the past. Had I known of certain options previously, my loan situation may very well be different today. It is a trap set up for young people trying to make a future ... too bad its a future of paying off debt to the mob that is loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also wells Fargo and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.

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 04/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (NE).
Issue: Credit decision / Underwriting

Complaint: This is my XXXX submission regarding Beneficial on different issues. They seem to respond only when I file with CFPB. We refinanced our Mortgage in XXXX to a local bank and still did not get the Released Deed of Trust. According to the new lien holders beneficial did not release the deed of trust and the payment has cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Applied to XXXX for a credit card so I could trans act business on internet finally was promised a XXXX dollar sign up gift was denied because my bank chase bank is a backer of XXXX XXXX chase has been lowering my credit limit each payment I make so as to keep my account in a maxed out position and chase caused me not to fairly get a XXXX card so that can do commerce on the net I pay my bills even when they raised it to XXXX dollars a month and I have a 100 % payment rate XXXX and chase has conspired to dishonestly and illegally deprive me of credit when I have met all the criterion of a solid credit partner I was originally a XXXX XXXX member then was handed off to XXXX XXXX then a antitrust sent me to chase, this account has been the primary account of my entire life, I have not failed to conduct myself and my banking responsibility I am a Veteran of the XXXX and I think these institutions giving me a steady aggressive hit on my credit report is deplorable as well as a hard credit inquirey I have a home that is worth thousands of dollars and I own many expensive things how is it that I get all this grief for a lousy XXXX dollar credit line that diminishes every month, somebody at chase and XXXX is treating me poorly with zero justifiable cause please help me stop their dishonest business practices against me if you can help anyone it should be me

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Over the last several moths I have had three disputes on Amazon refunds on returns for my Amazon Store Credit Card with Synchrony Bank. I returned three items with confirmation from  Amazon  and my refund was taken out of from my card leaving a deficit. Synchrony Bank said they were working on the problem so I paid off the card. After months of Synchrony Bank sending me forms requesting information I already sent to them they closed my account. I sent the the information they requested on three separate occasions as they requested. Synchrony Bank would close the disputes each time without consultation to the consumer.

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