milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of identity theft and took information and opened up account Comenity capital bank account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Debt collection (I do not know) with BTH Management (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Plaza services was paid {$200.00} back in  XXXX  of   XXXX  , as soon as I paid them they still had access to my social, and charged more fees, not even a week later. If I were to owe them more fees the agent would have specified that. I believe they are abusing their authority to get money from people that are barely able to pay their own monthly bills. I too also receive public assistance as a supplement because I ca n't just survive off my work income.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, CitiMortgage transferred my mortgage to XXXX XXXX. I inadvertently let my XXXX electronic payment go to CitiMortgage on XXXX XXXX and it cleared my checking account on XXXX XXXX. On XXXX XXXX, I caught my error and contacted CitiMortgage, who replied the next day that they would forward the payment to XXXX. As of today, XXXX XXXX, XXXX has not yet received the payment. I work in banking, and I understand that this should take a matter of moments. I 'm under the impression that CitiMortgage is sitting on the funds, drawing interest.

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 10-10-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've previously sent a request to your company to investigate several inquiries that I believe to be incorrect on my credit report. You are required by law to complete these investigations within 30 days of receipt. I have heard of companies pulling people credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation have recently found on my credit report the presence of several inquiries as entries separated from their corresponding accounts. These inquiries duplicate inaccurately the information in my report, and reflect an incomplete and inaccurate processing of information in my file. The inquiry entries should be deleted, or at least merged into the accounts to which they belong. I have sent letter to Equifax and each of the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (GA).
Issue: Managing, opening, or closing account

Complaint: I have a rushcard and have been unable to access the money deposited on it. This is very difficult as I have no way to get the money and no way to borrow money. Groceries, rent and utilities are all due and I have nothing I can do. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2015 about Debt collection (Credit card) with Continental Finance Company, LLC (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I had a credit card with Matrix who sold to Continental Finance. The limit was {$400.00}. They began charging a fee each month and all was fine with my payments until I was XXXX and had to go through XXXX. I got behind and filed my creditors with XXXX XXXX XXXX, this credit would " not '' work with them and continued to charge me {$35.00} a month for late fees so now I owe like {$800.00}. I finally worked out an arrangement with them to take a payment each month to try and resolve this debt and they took XXXX or XXXX payments from my account. I planned on {$45.00} begin taken from my account on the XXXX or XXXX payment but they attempted to charge me {$70.00} and I did not have enough money in my account to cover so the payment was returned. When I called them they said I agreed to pay {$70.00} after the XXXX or XXXX payment, I do n't remember and I said I ca n't afford that, and asked for them to take less but they said no. Now they are saying that I wrote a bad check ( and I did n't ) and then they said I gave them fraudulent bank account information ( but I did not ) I called to speak with XXXX telling him that I was having problems and considering filing a Chapter XXXX and in the middle of this conversation a man got on the phone, said he was the manager and begin yelling at me and when I would n't bow down to him, he hung up. I continue to receive phone calls from XXXX, XXXX and now a recorded message from XXXX XXXX and they continue to say that I wrote a bad check of provided bad payment information and that this is illegal across state lines. The only thing that I am guilty of is not having enough money in my account to pay what they require I pay and for not being able to include them in a CCC plan payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (VA mortgage) with INTERLINC MORTGAGE SERVICES, LLC (TX).
Issue: Credit decision / Underwriting

Complaint: My wife and I were approved for a home loan by InterLinc Mortgage Services in XXXX XXXX, TX. My wife and I were scheduled to close this Wednesday, XXXX XXXX. On today, XXXX XXXX at XXXX InterLinc sent me an email and stated that we were full approved and to proceed with the final walk-through of the property and to provide a time to meet at the Title Company. At XXXX today, XXXX XXXX, InterLinc called and stated that I was no longer approved. They stated that the reason for the last minute denial was because of the current home that we are renting is under forclosure and that rent payments have not been made. I sent them an email from the property management company which shows their approval to stop paying rent due to the forclosure, however, InterLinc still revoked their approval. This has caused us to lose our dream home. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed several things on my XXXX credit report and I am trying to make sure that they are removed from all credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Billing statement

Complaint: I purchase a product from Home Depot using their credit card. I received the statement and made the payment of {$15.00}. The money was taken out of my account on XXXX XXXX. The next month I received a bill from Home Depot indicating that I owe them {$17.00}. I thought I called them about this. I received another bill the next month from Home Depot saying I now owe them {$37.00}. I called them yesterday questioning why I owe them when I paid my payment on time. The last day to pay on time was XXXX XXXX. Home Depot say that they did n't credit my account until XXXX XXXX so I was responsible for the late charge. They were willing to waive only XXXX, but say it was their company policy not to waive XXXX late charges in one month. I indicated that there should n't have been a late charge since I made the payment on time and it was taken out of my account in time. I do not believe that I should be responsible for them posting it to my account late and being penalized for it.

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 07/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: I submitted a credit dispute related to a charge of XXXX on an American express CC ending in XXXX for a charge at XXXX XXXX on XXXX/XXXX/2016. Charge was unauthorized because this reservation was not associated at any time with this specific credit card. The hotel had this CC on file from another transaction and proceeded to bill this CC. I never provided verbal to written approval for this charge. All other transactions at this hotel are associated with a signed agreement. I disputed the credit with AXP. 
The hotel provided AXP with folio information but never a signed agreement related to this charge. AXP made a determination in favor of the hotel on XXXX/XXXX/2016 without having received details from the hotel which it seems to have received on XXXX/XXXX/2016. I am requesting a reversal of these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CO).
Issue: Loan modification,collection,foreclosure

Complaint: A divorce decree was put into effect of XXXX XXXX, 2014. Courts ordered that XXXX XXXX XXXX is responsible for the mortgage. I have attempted resolution with US bank and they declined all attempts to remove my name from the mortgage. This is effecting my ability to own or purchase my own home due to his negligence. I have attempted to contact him on multiple occasions but refuses to assist me. The IRS also took my money on debts that he owes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit card () with U.S. BANCORP (TX).
Issue: Other

Complaint: When using a Bank XXXX Texas XXXX credit card, I have had several fraudulent or unauthorized charges on it and have repeatedly contacted XXXX by phone, written correspondence and fax. I have told them specifically what charges are not mine. They have repeatedly asked for the same information already provided. The last phone contact was with them 2 weeks ago at XXXX XXXX XXXX XXXX option # XXXX when speaking with the " manager '' who said it would get it straightened out. Nothing has happened. I have alerts on my account for when charges are made and credits back to it. I have only gotten alerts for additional unauthorized charges. I stopped using the card since I had pain in full the charges I made. I have not received any credits to the card alerts. Please make them do what they are supposed to. Thank you. 
In addition to some of the e-mails sent back and forth, I have signed and returned by mail and fax, all the documents they sent me to get this done. They keep saying they did n't get them, etc. when I faxed them and have spoken on the phone to them about them. 

On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : The following charges do n't belong to me XXXX {$17.00} XXXX XXXX XXXX {$5.00}. XXXX XXXX XXXX {$5.00}. XXXX XXXX XXXX {$2.00} XXXX XXXX XXXX {$27.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1.00} XXXX XXXX Please credit these unauthorized charges. 

On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : XXXX XXXX XXXX for {$38.00} - XXXX charges should be credited. 

XXXX XXXX Storage- $ XXXX charged. Already paid XXXX. Sent this info. to you before. 

Thanks. 
XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX at XXXX the following message was sent : This transaction is not an authorized transaction. Please credit this charge. 
Thank you. 

XXXX/XXXX/XXXX AUTH : XXXX *XXXX {$17.00} On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : I thought you said you already stopped this unauthorized charge. It looks like you have n't done anything on the unauthorized charges with the information and completed form I sent you weeks ago. 
Please note I will not be paying any more credit card bills in full and waiting for you to do your job of removing the unauthorized charges. And, I have stopped using this card and wo n't resume unless and until you have corrected the balance. 
If I need to contact Bank XXXX Texas to get you to do your job, I will. 
As I have repeatedly told you, if you need more information call me. 
XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX CA {$17.00}

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 10/20/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NJ).
Issue: Managing, opening, or closing account

Complaint: My biweekly recurring direct deposit from my employer normally hits Tuesday, by XXXX. Nothing was deposited and my balance is reflecting XXXX. I coordinated with my payroll and they confirmed it was sent, but after waiting on hold with Rushcard for XXXX minutes they advised my deposit was n't reflecting. This is a major hardship for me, for I am a single mom, flying with XXXX wing, and my son is a full time college student and tuition fees do not have any grace period, nor does my other bills in promised to pay today. I pay my bills in increments of XXXX, versus in full at the top of the month, due to making less then the cost of my total bills. The company has taken ownership of the technical issue, but has neglected to resolve it and grant me access to my paycheck. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: I was late with my monthly payments ( 4 months ) but always informing SHELLPOINT MORTGAGE SERVICING who were saying they will help and find a solution. I kept contact. Im XX/XX/XXXX They offer me a trial period to avoid foreclosure ( Streamlined Modification Solicitation letter ) starting XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and said if i honored the 3 payments the will come with a modification plan. <P/>I made sure i sent my checks before each due date and controlled checks on my bank account were debited accordingly. <P/>XX/XX/XXXX i called them ( again ) to know what s going to happen in XX/XX/XXXX. That is when they told me they never received my XX/XX/XXXX payment. Since i sent them twice the proof they cashed my check. they are now telling me this morning my file is in Foreclosure. They never replied to any of my email or try to established live contact with me

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was sent a bill from a collection agency on behalf of XXXX XXXX. They claim I opened an account on XXXX/XXXX/14 in my name.I did no such thing. I am the owner and landlord of the building and the unit in question was vacant. One tenant had moved out and I was waiting for another to move in. They claim I closed the account on XXXX/XXXX/14 and again I did no such thing. Some time thereafter a bill was issued in my name and eventually sent to a collection agency. If I had done any of the above i would certainly have them mail a statement to my primary address. I paid the bill after the company shut the gas off and I became aware of the problem. I do n't know who or how XXXX XXXX received my name and issued me the bill. It should have been transferred from one tenant to the next or at the least sent to my primary address to make me aware. I have an account at my primary address for over 20 years and have never been late on a payment with them. As it is my building and the unit was vacant I felt compelled to pay the bill so the next tenant could start their gas service. Transunion was notified twice about this and basically did nothing to remedy the situation. Repeated attempts calling XXXX XXXX also got me nowhere as they said it was out of there hands. Hopefully someone on your end can get XXXX XXXX to rectify their mistake and correct this transgression.

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 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: While staying at the hotel XXXX XXXX XXXX in XXXX in XXXX of XXXX, I was approached by a sales rep. for a company called XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX. They invited us to a complimentary brunch to show us the benefits of becoming a member. In my desire to travel more with my wife for a discounted rate, we joined based on the claim that a stay at their hotels around the XXXX and XXXX would be at discounts up to 40 % of prices on other websites like XXXX. 

I quickly found out after returning to the XXXX that the XXXX website showed no discounts and were in fact more expensive than other travel websites. In XXXX XXXX, I submitted a signed letter requesting a cancellation as per their required documentation and only received an email back saying " Your request is being reviewed. '' All of my requests to confirm my cancellation were ignored. 

In XXXX XXXX, I received a letter from a collection agency stating that I owed the balance of my membership. XXXX, a company based in XXXX, is using XXXX collection agencies to unjustly force Americans to pay for a service they did not provide.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hi This is third time complaint against TRANSUNION credit bureau. I have asked over phone spoke to XXXX supervisor at TransUnion about my credit score. I asked them on what basis TransUnion reported my credit score and who was given authorization and XXXX said that no need any one permission he can get any one information they want no stops and he said I can spoke with PRESIDENT OR MAYOR who ever I want to talk with, TransUnion spoiling the United States culture, they dont care about customers and poor people .is this the mean we are printing on every $ note saying IN GOD WE TRUST. They are not really believe humans how they believe in God. They are telling they are the law. 
By the way I was cruisified by TransUnion credit bureau. I have XXXX XXXX XXXX credit card from California when I was student. This credit card I have used for my tuition cost and reloading credit card and utilized for my wife XXXX expenses. In XX/XX/XXXX I have lost my car with my entire wallet before my wife delivery I lost XXXX $  money in Travel card which was I kept in car. I dont have any claims I just got police report. There I got stuck with my credit card payment. I have told many times many people that I have extreme hardship but no one cares. Really I dont understand whats going on. Because of TransUnion I was denied credit cards and my car payments got touched roof, I cant even save XXXX XXXX every month because of TransUnion. Please help me to come out from TransUnion hands, they are really bad people for United States.

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 02-03-2016 about Credit card () with DISCOVER BANK (NC).
Issue: APR or interest rate

Complaint: Discover card keeps Rising my interest rate to insane levels which is become clear they are ripping me off, I pay my bills on time and I am never late but they keep increasing rate which when I contact them to get rate lower they make excuses! the interest rate on a XXXX balance is {$250.00} per month and I pay $ XXXX- {$500.00} per month on my bill and it does not go down. 
I am retired and on a fixed income and I can not continue to do this, I do not mind paying a fair share but this is crazy and

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In the beginning of XXXX XXXX we contacted the Oklahoma XXXX XXXX to inform them that our unpaid income tax would be paid by the end of the month and to ensure a lien would not be filed. They assured us the lien would not be filed unless the income tax was not paid by XXXX XXXX. Two weeks following that conversation we received the lien in the mail which was paid in full the following day. On XXXX/XXXX/XXXX, I filed a dispute with XXXX and Equifax stating the same since this lien had appeared on my reports. On XXXX/XXXX/XXXX, XXXX confirmed and deleted this from my credit report. Equifax submitted their results today, XXXX/XXXX/XXXX and has refused to remove the lien from my credit report. It is obvious from my attached credit report that I am a financially responsible consumer who continually makes payments on time and is never late and satisfies each and every loan that I take out. This is the only negative thing listed on my report and it is hindering me from refinancing my home into a conventional mortgage which will save my family and I tens of thousands of dollars in the next decade.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My loans were transferred over to Navient back in 2009. Navient has charged a ridiculous amount of interest to my account in excess of thousand of dollars.

Company response to consumer: Closed with explanation