milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: DISCOVER CARD : Back in XX/XX/XXXX+XX/XX/2015, I was in the middle of an ugly divorce. My Ex Wife was responsible for all the monthly bills but she never paid a discovery CC bill totaling {$8.00}, and as a result, I now have a 30 and 60 day late flag on my credit. She later admitted that she intentionally ignored it, but i have absolutely no recourse. Regardless, for {$8.00}, is it really worth significantly impacting someone 's credit over it? I didnt receive a phone call from Discover Card until it was 60 days past due, which I immediately paid and also made a request for them to please reconsider impacting my credit as a result of this. I pay all my bills, yet i now have to explain this situation every single time I 'm buying a car, a home, a student loan, and even at XXXX for my cell phones. Things happen in a divorce, and this was an intentional act to sabotage my credit and she succeeded. How can i settle this once and for all with Discover card? 

XXXX XXXX : Due to work relocation from XXXX to XXXX, we had to move and sell our house wherever the market was at the time. Unfortunately it was at bottom. Our appraisal came in so low that we were short the amount to pay off our 2nd mortgage, which was with XXXX. We offered to refinance and carry the debt and continue to pay it when we move to XXXX  but the collateral to that load was my home in XXXX. We negotiated with them that we 'd pay whatever we could at that time and since the govt was insuring these loans back then, they agreed to not process the closing of this account as a short sale. Unfortunately they DID process it as a short sale and I have n't been able to buy a home going on 6 years now as a result of that. It ended up being a scam. They got reimbursed by the Fed, and I got killed with a short sale. Why..? I never had a late payment on that loan, ever. I have 4 credit cards with XXXX today, never

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have initiated XXXX separate disputes with TRANSUNION for XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and TRANSUNION has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX address and sent them 2 letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

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 explanation
Consumer complaint received 02/22/2017 about Debt collection (Payday loan) with Oportun Financial Corporation (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Opened the loan on XX/XX/XXXX2016 and i been trying to pay the little i can when i can due to financial problems and they sent me a letter in the mail stating that they would soon be calling me to court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Since XXXX XXXX I am a Medicaid recipient and this benefit has never stop. This company is trying to collect a debt that I do not owe because Medicaid pays all the bills that we owe. The situation and my concern is that XXXX members of my family have been contacted by this agency and XXXX of them paid more than XXXX XXXX dollars for a debt from XX/XX/XXXX when he was a child. Also my uncle who is medicaid recipient too, is being harassed by them trying to collect a suppose debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I used this account for years and then I had a charge I was trying to dispute and I contacted XXXX for months as the charges were not mine and they ignored it and continued with the collection efforts. I have been trying to resolve this for over a year now and I eventually just stopped making payments on it last year. The only reason I kept paying was just so it doesnt hurt my credit which now of course it has. This has impacted me greatly and I dont know who else to turn to, this card was originally mine but the debt on there is not. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Trouble during payment process

Complaint: Remove all the claims for Bank of American because I worry my life in danger. After filing complaints my headache gets worse and worse, they control all the government law enforcement, I decide to foreclose my   XXXX   houses due to the forbidden me getting into their banking center paying my mortgages and my credit card, I definitely pay my credit card after going to collection company then I can access my account to pay my credit card. All the government police department and cfpb, justice department and insurance support Bank of America forbidding me work for any business and forbidden me access their bank property to pay my mortgages and credit cards. I tried so hard to make it correct the issue, they use two governments torture me worse and worse. I give up complaints of Bank of America I need to survive, please give me a chance to say I am wrong I should not ask justice by regulations. I should quite to be killed by two governments.
  XXXX   XXXX   Sent from my iPhone

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 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: My family and I traveled to XXXX in XXXX XXXX. While in XXXX, my daughters bag was lost by the airline and subsequently delivered 6 days later. When the bag was reported lost, we called Chase Credit Card, since our tickets were purchased on the card and a benefit of the card was that they would reimburse me {$100.00} for every day the bag was delayed. I was told that they would only pay if the airline did not pay me a reimbursement as well. As a result, I did not file a complaint / claim with the airline. For 3 months, the bank has stalled, lied and completely mishandled my claim. They finally came back and told me that they could not pay because I did not get a letter from the airline stating that the airline did not pay me. When I finally got the statement from the airline, I am being told that they are still unwilling to pay. They have reviewed all my documents, over and over and over, and each time attempt to stall me. Their behavior and subsequent customer service clearly indicate a deliberate effort to stall, dodge and avoid making payments. This is a clear violation of their terms in word and spirit. The expenses were exactly per the instructions the customer representative gave us when we called for direction while still on our trip. Clothing, shoes, bag and toiletries. I have submitted all these expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Taking out the loan or lease

Complaint: I can not believe the level of incompetence and lack of oversight by your agency, the auto industry is rampant with fraud and abuse against consumers. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Owned and Operated bi XXXX XXXX and XXXX XXXX who were previous owners of XXXX XXXX XXXX and were shut down by XXXX prior to their bankruptcy and now they are engaging in the same fraudulent activities including straw buyers and phony income to sell cars to unsophisticated consumers which is a Federal Crime. there finance department is run by a felon, XXXX XXXX and they are taking advantage of thousands of consumers by not disclosing terms and bait and switching at the time of sale with high pressure tactitcs. I attempted to buy a XXXX Dodge Durango with no income or employment I was told not problem all I had to do was come up with {$1000.00} and it would be {$750.00} per month for 6 years, how can this be? I declined and they continued to harrass me, They have been doing this for years and your agency is turning a blind eye to the real problems and fraud being committed. If action is not taken I will be notifiying the NYS DFS, FBI, state and local news agencies and every outlet to expose their fraud and your incompetence at enforcing the laws, I trust this will be taken seriously and you look into this company and it 's owners before any more innocent people are harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed incorrect payment information multiple times with the credit bureaus concerning my XXXX accounts. These show multiple late payments despite their agreement to remove late payments and stating that they have reported no late payments to the credit bureaus. Despite submitting disputes and proof from XXXX, the credit bureaus will not remove late payments from these accounts, or have stopped reporting them at all. I would like XXXX accounts to show on my credit reports with no late payments, as agreed upon by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Trouble during payment process

Complaint: During the transfer of servicing the Insurance loss payee was not updated. I have had a loss and the check was issued to the previous servicer. Nationstar rep XXXX it was my responsibility to notify my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I previously worked for the XXXX. After retirement in the XX/XX/XXXX, I was advised that there was a recent cyber security breach and I was given insurance via a third party identity restoration firm, XXXX. I received a routine credit alert on XXXX XXXX, XXXX. Upon checking the information, a collection showed up for the first time on my credit report on XXXX XXXX, XXXX showing a debt due to XXXX in collection with XXXX for a XXXX address I never lived at for an individual with a first name and last name spelled differently than mine ( one letter of difference in each ). I had an account with XXXX in a different state which was closed out ( I saved the only chat ) and XXXX accessed my Credit Report on XXXX XXXX, XXXX and thus not only would their own records show the correct information but at that point they had my current name and address. I did not receive a single notice about this and of course they are trying to portray this as identity theft ( to cover their incompetence and probably wanting a tax deduction for the current period ). XXXX has not been cooperative ( and made me go through hoops filling out forms ) and I know nothing of the bogus transaction on 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 non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I first contacted XXXX about the unauthorized inquiry. They informed me that I need to get a police report if I did not authorize the inquiry and to contact the actual company who placed the inquiry. I went to the police department and I have attached the document that I was given. I faxed over the information they requested just to be told that it was not good enough they needed an actual report. So unknowingly I called the police again and tried my best to get an " actual police report '' that they requested. Only to be told numerous times that they do not give actual police reports for this type of matter, only for car accidents. I added the card of the police officer whom made the report only to be told that they ca n't contact the police.Next I contacted Exeter Finance Corp the company who actually placed the inquiry on my credit only to be told that it was nothing that they could do because they received the authorization through XXXX XXXX XXXX even after I expressed to them that it was not me. I next tried calling XXXX XXXX XXXX multiple times leaving many messages unable to get anyone to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is currently blocking my request for a loan modification and forbearance. My application for a loan modification is not being reviewed per Consumer Rights Under CFPB, Dodd-Frank, and RESPA Consumer Rights.

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 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: To whom it may concern, I XXXX XXXX, tried to obtain credit report from credit bureau XXXX/XXXX/2016, but Experian credit bureau failed to probate it for second time via internet. I recently applied for a house hold good and it was denied base on Experian credit report on file and encouraged myself to review the file and be aware of what 's being display in my credit file. By law I have the right to obtain my credit file and verify the information bureaus are displaying is accurate or correct and that the decisions made by the merchants or bureaus are not based on my XXXX religion, my XXXX appearance, or simple because the bureau failed to encrypted and properly allow the system to reach it. It sounds cold but when they turned you down because of this decisions mentioned above sounds like the Law is being broken.. 

Thanks 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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was living with my parents and overpaying my loan by {$200.00} a month. Combined with my federal loans and another private loan, I was paying about {$800.00} a month. When I wanted to move out, I called Navient to change my loan payment back down to the minimum that I was paying before so I would only have to pay {$600.00} a month. They told me that I could n't do that and I was stuck with the higher payment. With my budget, this left me unable to move. I had to borrow money to pay off the loan in full so I could refinance and make my monthly payments lower.

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

Complaint: Its very hard trying to pay my loan monthly all the fees they added

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: During XX/XX/XXXX, Chase bank closed all of my accounts ( My Chase Freedom Credit Card Account, Chase Sapphire Credit Card Account, Chase XXXX Account ). This happened due to the combination of credit I had outstanding and the amount of cards I applied to in a short period of time ( multiple inquiries ). Add a failed check payment ( that was being sent to Chase Bank to cover a due credit payment ) due to a local bank processing error and this became the third strike according to Chase in closing all of my accounts. I 've tried applying back to Chase on several occasions from XX/XX/XXXX-XX/XX/XXXX with good credit ( XXXX credit score currently ), 100 % payment history with no delinquencies and I have been able to obtain credit cards with every bank I have applied for except for Chase. It appears that they currently have me on some type of Blacklist and they have been unable to provide me with information during my last 3 calls ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to speak with their customer service line. I am told to re-apply each time I ask to speak with someone from the reconsideration line to inquire how I might be able to establish a relationship once again with them via credit lines for both myself personally and my businesses ( XXXX XXXX XXXX & XXXX XXXX XXXX ). I currently hold 1 personal checking account and 1 personal savings account with Chase Bank for over 6 months along with 1 business bank checking account as well. I has been very frustrating since I have been accepted with XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX all within the past few years and Chase will still not accept me or provide a detailed reason outside of previous unsatisfactory relationship with bank in the past. Although I may have made an error on my part in the past, this event had occurred over 4 years ago and I have not made the same mistake and pride myself on having an established, responsible credit history. This entire process has been incredibly frustrating and I have been unable to speak with the proper representative from Chase regarding reconsideration.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Settlement process and costs

Complaint: I have a mortgage with Quicken Loans and I am having an issue with them. I live in a townhouse XXXX and a portion on the monthly payments to the HOA is to pay a master policy that covers the units. I have lived there for 15 years and have refinanced the property XXXX times. I have always been told by previous lender and even a member of Quicken Loans implied that the master policy provided by the HOA is sufficient to meet the insurance requirements by the mortgage. I have always have an additional policy which I pay for, it is not part of the escrow payment, to provide personal liability coverage as well as coverage for my personal property, my property which I own is not being financed by Quicken Loans. On XXXX XXXX, 2015 I had a water leak in my kitchen that caused damage to the kitchen cabinets. I called XXXX XXXX, the company that I pay for my personal protection and an adjuster was sent and the claim was approved. On XXXX XXXX, 2015 a check was sent out to me. When I received the check I went to deposit it, I was not able to do so because Quicken Loan was also a payee. I called quicken loan I was told to sign the check over to them and that a check would be issued to me within 72 hours from the time they receive it. I paid {$27.00} to have the check sent overnight. They received the check XXXX XXXX and I tried to contact them on the telephone several times to get an estimated date for the return check and the calls were not answered until I sent an email days later asking for a return call. The check was not returned to me until XXXX XXXX. Now my bank, XXXX XXXX XXXX is putting a hold on the check that is payable by XXXX XXXX XXXX until XXXX XXXX because they say that XXXX can not guaranteed that the check will be honored. What does that mean to me? Here we are almost 1 1/2 months later and I have not been able to fix the kitchen. I pay the mortgage, I pay the HOA dues that cover insurance on the building, I pay for my personal protection and Quicken Loans has created the chain of events that are completely unnecessary. The check has " For Payment of Restricted Escrow '' .... What does that mean? I am not required to have that policy, I pay for it out of my pocket, it does not go through escrow, my mortgage payments are up to date. What right does Quicken Loan have over those funds to put a restriction on the check. 
Quicken Loan sent my insurance a condo unit owner 's insurance request they say I authorize them. I have issues with the signing of the agreement. It was not for my policy it was for the HOA policy and that is what I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Kivell, Rayment and Francis, P.C. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: We are contacting your agency in regards to multiple calls by what we call robocallers which is like persons in order to obtain personal information such as social security number, birth date account information and collection accounts that do not exist on our credit report. 
Obtaining information such as financial information posing as IRS agents and sending out false documentation in order to fraudulently remove are IRS refund checks. 
Posing and contacting as persons offering jobs or Services needing Social Security numbers, birth dates, name and address same organized group of criminals posing threats to Identity, data breaches and Financial obstruction of justice.

We are requesting that our phone number be placed on the Do Not Call registry for three consecutive years and that a renewal be submitted to us upon expiration Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation