milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (NV).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX I was trying to get a loan mod from US Bank. I submitted all the required paper work.They told me they never received the document package. I re-submitted via fax and certified letter. They told me that they would respond within 21 days. 14 days later, they foreclosed. I filed a bankruptcy. For nearly 4 years they maintained that they could not locate me original loan documents. When they finally did, the bankruptcy was resolved. US Bank attorneys agreed to, and signed off on the plan. Our case was closed on XXXX/XXXX/XXXX. 

Since that time, I have been contacting US Bank asking for a full accounting of my payments and a monthly statement. They refuse to provide a monthly statement stating " my loan is in a open active bankruptcy '' and they can not provide a statement. I have had my attorney fax them the complete information, the discharge order and the order closing the case ... and they just maintain that they have not received any information. I have fax transmittal records proving that they, did in fact, receive the information. 
I do qualify for HARP re-financing of my original ARM loan, but again, they refuse to talk with me because " ..my loan is in a open active bankruptcy ''. 
I want to get these issues resolved, and all of my efforts have been rejected by US Bank.

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 10/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Unsolicited issuance of credit card

Complaint: I continue to receive unsolicited credit card application forms from Capital One even after I froze my credit and informed Capital One customer service to remove my name from their mailing list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I filed a complaint to this body regarding Experian wrongfully reporting a bankruptcy on my credit report and disseminating that incorrect information to creditors. Since I have been challenging Experian on these matters my credit score has been on the decline, dropping 55 points since XX/XX/XXXX. I believe I am being retaliated against. Following my complaint Experian responded by stating they had investigated and that no bankruptcy was listed on my credit report and that Experian was not reporting a bankruptcy to any financial institution. In support of their claim, Experian sent me a clean credit report devoid of any bankruptcy. The screen grab attached refutes Experian 's claim. Credit Check powered by Experian reported as of XX/XX/XXXX that my FICO Score was a XXXX. The source listed is Experian. The number 1 factor influencing my downward score... 
" There is a bankruptcy on your credit report. '' Credit Check powered by Experian reports to XXXX on a monthly basis. XXXX is one of my creditors. Due to the false reporting by Experian, I have had deleterious actions taken against me. On information and/or belief, Experian 's actions are deliberate. They advised this body they were not reporting a bankruptcy on my report, they send me a clean report giving me the impression the bankruptcy is deleted but continue to send information to my creditors that a bankruptcy exist on my credit report... .an elaborate ruse to defraud and mislead. Experian is disseminating disparate credit information to financial institutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: I returned XXXX gifts to Bloomingdale 's in XXXX. I showed them all of the receipts and all items had the " required for return to bloomindale 's '' stickers that give them the transaction history, telling how the items were originally purchased. A credit was placed on my bloomingdale 's card, as has been done before when I have returned gifts. When I called to check on my bill, I still had a credit balance and they asked if I wanted a refund check. I said yes. They said it would be 7-10 days. I never received it. I was sent a letter stating that the items were not originally charged on my credit card ( of course not, they were gifts charged on my mother 's card ) and they wanted history of purchase. I had already given them that information. They suggested that I return to Bloomingdales ( a 50 minute drive ) with the receipts again. I told them that was unreasonable, as I had already done that a month before when I returned the items. I provided them the information and they should have record of purchase on my mother 's account. The customer service agent I was speaking to kindly agreed to look up and provide them the information they had requested. I still did not receive a check. I filed a complaint with the XXXX ( Complaint ID # XXXX XXXX over a month ago and Bloomingdale 's has not responded. It does not seem legal that they refuse to pay me my credit balance on the credit card. It has almost been three months since my first request. They have been paid for the merchandise and have been returned the merchandise, but they refuse to pay me the money they owe me. They owe me {$710.00}

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 03/16/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it Concerns, I currently have a mortgage that is held by XXXX XXXX. This loan was made in XXXX, XXXX. My original loan Servicer, XXXX XXXX, handled my loan and encouraged weekly and bi weekly payments. I made 3-4 payments per month, also making {$100.00} extra per month since I purchased my home. My Loan Servicing company changed in XXXX XXXX to Specialized Loan Servicing ( SLS ). I continued to make my partial payments for 3 months. Unfortunately, they have told me that their system is unable to properly process these partial payments. As a result, they applied my payments to principal ONLY and disregarded it as payment towards my monthly payments, and now my loan has now been reported to the Crediting Bureaus as Delinquent. Upon the request of SLS, I quit making partial payments with no resolve for prior payments, and after NUMEROUS phone calls, Certified Letters, and Faxes, they have not fixed anything per my requests. I have provided them with ALL payment information of 100 % monthly PAID balances. They have not fixed anything, nor care to. I do not know what else to do. I am 100 % on time, every time with my mortgage, and because of their SYSTEM ERROR at SLS, they are now reporting Delinquencies to the Crediting Bureaus. Please provide me with some assistance or information on what to do, or who to call. Thank you for your time and have a great day!

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with DISCOVER BANK (NJ).
Issue: Deposits and withdrawals

Complaint: I can not lodge external fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan service was transferred to Seretus from XXXX. XXXX had double charged for insurance I already had for over a year and owed me a refund. They sent it to Seterus who put it back into the escrow for impounds. They refused to apply the overage to principal & interest, they are n't paying any interest and refused to refund the surplus unless I pay current. I agreed to pay current if they agreed to finally send the refund I 've been entitled to for 6 months. I paid another {$4500.00} even thought the P & I due was only {$2600.00}. They said they had to run another escrow analysis, the 3rd in 4 months, and even though they acknowledge they still have a surplus of {$1900.00} which I am due, they refuse to mail me the refund because now I 'm due for XXXX/XXXX/15. This is a never ending game. Every month they delay until another payment is due and then say I 'm delinquent. All the while they have been overcharging me for impounds. XX/XX/XXXX is the first month my payments have been billed correctly in more than a year.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have requested online my credit reports from the XXXX bureaus for myself and my wife on XXXX XXXX on XXXX. I received a message for Equifax that they could not provide my credit report due to technical difficulties. I went back three days later to pull the missing reports again and was told that I was not eligible to receive the reports since I already requested them. I then wrote to XXXX, who then sent me a letter stating that they could not help me and I had to take up the issue individually with each bureau. They only provided mailing addresses, no phone number, or email. The credit bureaus ' website also did not provide any contact information besides mailing addresses. It is very costly for consumers to have to deal separately with each credit bureau in order to get the reports that they are due by law. 
In addition, I have been trying to verify the credit freeze status of our reports and this has proven impossible. We have had freezes put on our reports in the past for security purposes, but these have been lifted temporarily when we were getting a mortgage and I wanted to verify that they are in place. As far as I can tell, the only way to be sure that our reports are frozen is to pay to refreeze them and that just seems plain wrong. 
On a more general note, it is disturbing that there are these credit bureaus out there that amass information about me, whose information provision has a substantial impact on my financial life, yet who make it tremendously difficult for me to actually contact them or communicate with them. 
Please note that I have filed a related complain with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have multiple private student loans from Navient, and I am under significant financial duress due to the burden of trying to pay {$550.00} worth of private loans with an additional $ 220 monthly on Federal XXXX loans. As such, I contacted Navient to tell them that I 'm not able to pay both loans simultaneously. After a lot of negotiation ; a manager at Navient agreed to extend the payment duration of my private loans and roughly cut my payment in half. The purpose of this was to help me pay both my private and federal loans simultaneously. Navient agreed with 100 % certainty to give this deal to me, provided I gave them authorization to withdraw payments from my checking account monthly. The only catch was that I had to call back the next month to initiate the deal because the private loan payment was already made for that month. When the next payment came due, I called back to initiate the new payment deal, and I was told that this was " never offered to me '' and that they refused to agree to the pre-agreed deal. As such, I requested the recorded conversations between me and Navient. The staff at Navient refused to provide this information to me, and they told me to call the Consumer Financial Protection Bureau if I took issue with their refusal. I am requesting help with this matter because I have been deceived by Navient and they have given me absolutely no flexibility in paying back my loans, despite the fact that I have absolutely no bankruptcy protections. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: My account was sent to collections regarding an account that covered my checking account in the event I had insufficient funds. Currently I would like to agree on a settlement. 

I have had terrible luck in communicating with any representative to settle this collection issue.

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 11-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (VA).
Issue: Fraud or scam

Complaint: I deposited {$2500.00} onto Coinbase 's proxy website called XXXX, and they denied me access to their trading platform. This means that I effectively lost the money if they do n't refund it back to me. I tried to contact them several times to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: X/XX/2017 Navient is the collector I made a payment in the amount {$500.00} towards my " 1-01 Stafford - Unsubsidized '' loan which has an interest rate of 6.55 %. However, Navient ran the payment towards my " 1-01 Direct Loan - Subsidized '' loan which has an interest rate of 3.15 %. I know for a fact that I made the correct payment towards the loan I desired, and had even done the payment with a Navient representative on the phone.
I called Navient X/XX/2017 with regards to the issue and received a response that there was a mistake with the payment processing. I find it very hard to believe this occurred by mistake as I have been made aware of multiple instances that this has occurred with other individuals ; citing Lawsuit filed XX/XX/2017 by CFPB.
To make matters worse, I was told that the refunded payment would not reach my account for 4-6 weeks, meaning that I will be charged the 6.55 % interest for another payment term on the current balance. This will result in an extra interest charge of {$32.00} ( {$500.00} * 6.55 % ) to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Renew Financial, LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a message from XXXX XXXX XXXX ( XXXX ) and a woman named XXXX told me that i may have a pending civil judgement being filed against me and to contact XXXX for details. The number is a firm named Renew Financial. They never answer and the times i have gotten thru the only person answering phones is named XXXX. Wanted my birth date and verified last XXXX of social and claimed I owed a bill to XXXX for XXXX dollars and supposed debt is XXXX yrs. old. Their address is XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, Ca XXXX, but this is a mailbox etc, place and they will not verify. When i questioned XXXX at Renew, he said this is where they get their mail. Their website is renewfinancialfirm.net and it was created through Homestead and is a hoaxy looking site. Very poor representation if they are a valid company. I have worked very hard on my credit and need to know if this is valid because I have never had an account with XXXX and there are posts that say they are a scam and i am concerned with them stealing identity. They would not provide proof of debt and would not verify in any form that they are a valid debt collection company.

Company response to consumer: Untimely response
Consumer complaint received 07/14/2015 about Credit card () with CITIBANK, N.A. (MN).
Issue: Other

Complaint: From my citibank credit card account, I received an email telling me how many points my account had. Because I am not interested in this type of information, I clicked the email link provided to, " ... not receive future email updates from ThankYou Rewards, please CLICK HERE. " However, when the window to confirm my choice was displayed, if I chose not to receive emails about my TXXXX Rewards, I would also lose notifications about, " ... changes in my contact information. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I went to the online site for obtaining my free annual credit report from all three agencies. I completed the forms completely and accurately. Only XXXX gave me my credit report ( which I printed out for my personal records ). XXXX and Experian both refuse to give me my credit report. Both have done this to me in the past. ln the past, I even went so far as to send them copies of my driver 's license, Social Security card and form 1099. Neither ever sent me my credit report. I know that these credit reporting agencies are required by federal law to provide me with an annual credit report free of charge. This is obviously some kind of scam on their part because one year that they refused to give me my free annual report, they offered to give it to me if I paid them for my credit score. I paid them and then they tried to charge my card every month for the service. I hope you bring these horrible people to heel. Thank you.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
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: This correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XXXX XXXX, XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX XXXX XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-harris-03-22-99 The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
XXXX XXXX XXXX representatives told me that because the delinquent payments were accurately reported in XXXX and XXXX of XXXX and that XXXX XXXX XXXX will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

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 07-07-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After research on Florida Office of Financial Regulations website, it has come to my attention that the collection agency, Commonwealth Financial, is not licensed to collect in the state of Florida ( where I currently reside ). I have attached a screenshot of the information provided on the website where it states the license has been revoked/voided. <P/>
Currently there are 2 accounts that are showing on my credit report for all three bureaus for this collection company. Less than a month ago I called the company to clarify this information and a representative assured me that they are allowed to collect in the state of Florida. <P/>The address which is found of the website for the Florida Office of Financial Regulations is the same as the one listed on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the past several months, I have seen my Credit Score drop almost XXXX points from XXXX to XXXX!! 

After multiple inquiries, I can not get a response that would explain why my score has decreased. There has been NO negative factors that might account for this type of change.. ALL credit cards are PAID in FULL monthly, I have NOT taken on any new debt or opened new Accounts ... 

My wife 's score of XXXX as reported in XXXX has also seen a notable decrease ... 

This is outrageous and I am looking for your assistance in getting to the bottom of the issue ... I have to believe that if that this is happening to my wife and I with OUTSTANDING credentials, there an underlying and systemic problem requiring immediate attention.. 

Please let me know how I can help with this matter.. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation