milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2016 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Upon acquiring my mortgage loan, SLS loan Servicing contacted me two months later stating my escrow account was short over XXXX dollars, and they would need to raise my payment in order to make up the difference. A representative on the phone told me it was law that SLS needed to have the surplus in escrow, which it is not. As a result my payment was raised for a year. 
Just today, XXXX/XXXX/2016, I received a letter of collection from SLS loan servicing stating they have no proof of homeowner 's hazard insurance. My policy renews automatically, and they stated in the letter they are billing me for the insurance they had to purchase for approximately XXXX dollars. I have had no lapse in coverage, yet their tactics allow them to claim they can purchase insurance and collect from me due to their disorganization. This is simply unethical, and fraudulent, as they have my homeowner 's policy information on file to very. Additionally, they never contacted me until now that they did not have new coverage info. According to their correspondence, I can update my information via their website, which is consistently down and unavailable.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called XXXXn several times regarding them removing all of my inquiries last year between XX/XX/XXXX - XX/XX/XXXX. I advised the representative that transunion removed XXXX inquiries from my credit report and put them back without giving me a 5 day notification in the mail. The overseas representative asked me which inquiries did i want to dispute betweenXX/XX/XXXX and XX/XX/XXXX. I then advised the representative that they deleted all of my inquiries and not just some during the time they had the system issue. The representative put me on hold and talked with his supervisor. The representative came back on the line and told me that I was not one of the consumers affected by their inquiry glitch. After spending over an hour on the phone trying to plead my case, I hung up.
OnXX/XX/XXXX, I made another call to transunion ( XXXX XXXX XXXX ) hoping I would get another representative in the United States. I spoke with a representative whom checked to see if I was part of the inquiry glitch. Low and behold I was, despite the false information I was given on the previous call. The representative then advised me that she could only remove the inquiries between XX/XX/XXXX- XX/XX/XXXX. I then advised her that all of my inquiries were removed and not just those made between the date they had their system issue. The representative then told me that she could not help me with all of the inquiries. I am so frustrated with Transunion. They failed to notify the parties affected by their system issue based on FCRA 611. The consumer should not have to spend days and hours on the phone trying to get them to fix a problem they were ver aware of.
I decided to lodge a complaint, because I refuse to call them and go through that torture again!!!

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 10/25/2017 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I was told that I would receive compensation for an NFCU credit card account that I  settled back in 2014. I contacted NFCU today and was advised by the representative to contact the CFPB in order to get that redressed check sent out to me. I 'm not sure why this was n't resolved in my previous dispute. However, it needs to be corrected ASAP. I received a redressed check for an unsecured personal loan that I settled back in XXXX 2014 for {$5600.00}, but not for the credit card which I should have received a redressed check for as well. I keep getting the run around from NFCU and nothing is being done and I keep getting rerouted back to the CFPB. The only thing I want is the money I paid to be refunded just like the other money was totaling in the amount of {$6300.00}. I 'm not sure why this matter was n't thoroughly investigated as it should have been. I will be contacting the attorney general office in regards to this unresolved issue. I had to call in about the redressed check totaling in the amount of {$5600.00} because they did n't have it in their systems saying I was supposed to receive a check. However, I did because I was supposed to just like I 'm supposed to receive that check for {$6300.00} for the other debt that was settled. I just think everything was overlooked again and should be looked through thoroughly without cutting any corners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Last month I never received my statement via mail or email. I called the company and paid my bill in full and informed them I did not receive a statement. They removed the late fee. Again today I happened to call to check my due date and found out it was yesterday and again I did not receive my statement. I would like my late fee waived because this is no fault of my own. I only called because I thought this was around the time the bill is usually due. I should not have to guess. I need my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (VA mortgage) with Stearns Ventures, LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company ( Stearn Lending, LLC did not pay my XXXX property tax out of escrow. I received a past due notice from county treasurer office XXXX. I immediately called the mortgage company and the customer service rep told me they will look into it and will get back with me within 2 weeks. Since then, I have made an additional XXXX phone calls to check the status of the situation and each time, they put me on hold, so that the can look at the account and then tell me that they will investigate it and get back with me within 5 business days. I never get a call back from them. I have mailed the orginal of the tax notice and faxed the tax notice per their request. I have even gone on-line and submitted my complaint and I still havent received a reply after 2 weeks.

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 08-10-2015 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: They refuse to send me my credit report online or via email. Called with no resolution, unable to obtain free annual credit report as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Mortgage debt) with Altisource Portfolio Solutions, S.à r.l. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On or about XX/XX/XXXX, I received in the U.S. mail a one page letter from " XXXX '' credit reporting company in XXXX, Georgia that even with my final Divorce Court Order decree dated around XX/XX/XXXX, XXXX Court Case number XXXX XXXX awarding 100 % of my former single family residence to my now ex-wife effective immediately, " XXXX '' refused to " Delete '' the " Foreclosure '' negative entry off of my " XXXX '' credit report after my now ex-wife stopped paying HER mortgage sometime in XXXX. " XXXX '' told me to contact the former mortgage lender named " XXXX XXXX XXXXXXXX XXXX '' out of XXXX XXXX XXXX, Florida.
I did so in writing.
On or aroundXX/XX/XXXX, I received a two page letter from " XXXX XXXX XXXX XXXX, '' dated " XX/XX/XXXX. " XXXX '' instructed me that in order to get a " Legal Binding Release '' form to remove the negative " Foreclosure '' entry off of my " XXXX '' credit report that I had to contact their 3rd party " Real Estate Owned ( REO ) '' private contractor by the name of " Altisource Portfolio Solutions, S.A. '' out of XXXX, Georgia, which is a publically traded company on XXXX as listed : " XXXX '' ( now trading at about {$27.00} per share as of this writing ).
And I also did so in writing.
On XX/XX/XXXX-Tuesday-XXXX, I faxed and then mailed a 5 page letter to " Altisource Portfolio Solutions, S.A. '' via regular U.S. mail postage.
For nearly 3 weeks I heard nothing back from " Altisource Portfolio Solutions, S.A. '' So this time I mailed out a 2nd copy to them via the U.S. Postal Service 's " Certify Mail, Return Receipt Requested '' service on XXXX XXXX-Friday-XXXX. The company " signed '' for my letter about 4 days later but still did NOT respond. So I called them on their company 's toll free number on XX/XX/XXXX and they said that they HAD mailed out a written response.
Yet here it is on XXXX XXXX-Friday-XXXX and I still have NOT received their so-called written response.
Thus, I need help from the Consumer Financial Protection 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 07-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have had identity theft for XXXX yrs. I had a perfect credit score. I have after all these years finally gotten it all off. My score should be in high XXXX. It is in XXXX. With the theft in XXXX. I had police reports, took girl that did it to court, addresses where I lived during theft that did n't match. I do n't think it 's fair that they wo n't put my score where it should be. I pay every bill on time. Everything on my credit report is mine now except most of a student loan. That is under investigation.

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 10-03-2016 about Debt collection (Federal student loan) with United Student Aid (USA) Funds (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: case : XXXX XXXX XXXX XXXX vs. XXXX XXXX XXXX USA Funds , first step : mailed out verification letter to XXXX XXXX XXXX XXXX XXXX, XXXX, in which communication was only thru mail.At the same time I received in mail correspondence from USA Funds stating need more proof and a police report. I had XXXX XXXX XXXX only come to court for a pending lawsuit XXXX/XXXX/XXXX, and proof of actual account due to fact they had called me on phone in XXXX and did n't provide proof of signature and actual agreement in mail within 30 days.Case was seen by a judge and lawsuit was agreed to be dropped by me based on them stating they will not report accounts due to not having agreement with me showing a valid signature plus being a collection agency with no agreement by me and their office on XXXX XXXX. The DEFENDANTS ATTORNEY showed me documents with an itemized loan from USA FUNDS XXXX/XXXX/XXXX with XXXX accounts.As of now on my credit report it shows XXXX accounts USA FUNDS opened on XXXX/XXXX/XXXX. I am not in college or have attended.

Company response to consumer: Closed
Consumer complaint received 07/28/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Convergent Outsourcing has placed a derogatory mark on my credit report stating that I owe {$430.00} to XXXX XXXX. The account in question was closed and settled over 10 years ago. The company placed the negative item on my credit report on XXXX XXXX, 2016.
I have disputed the item on my credit report 2 times with the company and it is still being reported.
At this point, I am willing to spend more than the {$430.00} they are reporting, which is in fact over 10 years old, to bring suit in order to hold them accountable for their business practices.

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 09-10-2017 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: There are 3 Student Loans on my credit report that were all sold to XXXX a while back and all three are still on my credit report despite my dispute with these companies.

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 02/20/2017 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Managing the loan or lease

Complaint: At the end of a XXXX year lease with Honda I owed approx {$410.00} which included the final monthly payment of {$280.00} with the remainder representing mileage charges. In attempts to collect the money owed Honda sent me several demand letters. In one such demand Honda offered that it would reduce the balance owed by approx 25 % XXXX approx {$300.00} XXXX and that if I paid the reduced amount by a date certain the remaining balance of approx {$100.00} would be reported to the credit reporting agencies as payment that was 30 days late. As the letter indicated I accepted the offer by making out a check to Honda in the amount specified.I mailed Honda the check. Honda accepted and deposited the check. Since accepting the offer and having made the payment to Honda, and Honda having accepted the payment, Honda now continues to demand payment of the remaining balance and has sent me letters stating that my account is past due. On XX/XX/XXXX, 2018 a Honda representative called me and demanded the remaining balance and advised me that if I did not make the payment Honda would report to the credit reporting agencies that my lease agreement was in default. The representative went on to threaten me and said if I did not make the payment my credit would be severely affected. I believe Honda 's collection tactics have been discriminatory on the basis of my sex and race. I am a XXXX. This is a definite bait and switch tactic used by Honda to induce me to enter into an agreement that Honda no longer wishes to honor. Honda has misrepresented its intentions and the offer it made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have no other portal is get information to Equifax ... But this one. 

I read on complaint XXXX Equifax reports they have not received any additional information from me. Since Equifax does not provide a portal to submit additional information, I have the attached some additional information. 

Equifax previously reported the unauthorized inquiry by XXXX was " masked ''. Attached document shows this is untrue! 

Equifax responded to my complaint with such a garage/nonsense response! 

I emailed Equifax ... Started a dialog. When they could not deflect me ... The responses stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: This complaint is in reference to complaint XXXX also AMEX reference Ref : XXXX in the final response, AMEX states that I have received the total XXXX  MR points. which was incorrect. 

AMEX issued me XXXX bonus points, then another XXXX. But the XXXX points was taken back. I have attached the pdf for reference. 

In addition, when I contacted AMEX, they explicitly told me that I could retroactively submit the mailer to have my original 100k offer applied ( another lie ). 

This is my final attempt with CFPB and if this is not resolved in my favor, i will be continue escalating this via other channels including but not limited to my local small claims court.Note, It literally takes 5 minute to look over my MR points history to know that the XXXX points was taken back.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was advised by my credit reporting company to get copies of my credit reports.

I requested 3 reports. It only showed my Experian report, but not the other 2 reporting companies.

I am unable to identify information that is on my report, ( lack of company names and identifiable information ).

I was unable to get through to XXXX XXXX XXXX.

Unable to speak to a customer service rep.

Unable to resolve.

There is no place on their website to request all three to be mailed, only print, the only one was Experian, NOT XXXX XXXX or 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 10/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My monthly student loan payment is directly debited from my account each month. ON XXXX XXXX, 2016, I submitted an ADDITIONAL payment with written instructions for that payment to be applied to a specific loan ( the loan with the smallest balance ). Despite following the instructions provided to me, and after following up with FOUR phone calls and an email, the payment still has not been applied as requested. This happens EVERY TIME I make an additional payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2017 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: Since XX/XX/XXXX I have received a promotional offer of {$200.00} to open a new checking account with BMO Harris Bank. It is now XX/XX/XXXX and I have yet to receive my incentive for opening a new checking account. Every quarter I brought it up to the personal bankers and Branch Manager and I have not had a resolution. This bait and switch advertising tactic to encourage people to open a new checking account should be illegal. I have not talked to them in almost 4 months because it 's a waste of my time to try to collect something that will never appear. The branch location is XXXX XXXX XXXX XXXX XXXX, AZ XXXX. XXXX. Customer Service says there are no notes on the account showing my request and I 've brought it up to them in 6 or 7 different instances.

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 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with USA DISCOUNTERS LTD (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have bi-weekly allotments that come out of my account for USA Living ( previously USA Discounters ). Because I ran in a financial hardship at home, I ceased my payment XX/XX/XXXX to the present date ( roughly one month ). Once the allotment was no longer sent to my account with XXXX XXXX XXXX, I began receiving daily phone calls. Next the emails started. I communicated with a representative by the name of XXXX XXXX and informed her that I had pertinent financial obligations at home, which required me to temporarily stop the allotment, which in turn, I agreed that I would re-start within the next two weeks in order to ensure that the following month 's payment would be received on time. She told me that based upon what was already in my allotted account, that I owed an additional {$160.00} and that as long as it was received before XX/XX/XXXX that she would not report an adverse note on my credit report. I told XXXX that I 'd take care of it before the end of the month, and that I needed a little more time to ensure that things at home were okay. Three days later, I received emails from her stating that I failed to comply and that they would refer me to their pre-legal department since they did n't receive the {$160.00}. Again, I reiterated to her that I said I 'd get it in before the end of the month since two weeks had n't passed since we last talked, and I did n't receive my next paycheck. I then tried to contact the store in XXXX, and noticed the phone was disconnected. I then tried the store in XXXX, and noticed the line was disconnected. In turn, I did an online search and learned that the stores shut down. I emailed XXXX and requested for information in writing about what happened, and also to provide information on how I can mail my balance of {$160.00} since I was not comfortable sharing my personal bank account or credit card information. She still remained persistent and threatened to refer me to the pre-legal team. I 've yet to receive any notice of what happened. She said that I still have my contractual obligations to fulfill and that was it. I would like to mail my remaining balance as my contract does not state that I have to provide a personal credit/debit card for payment. Typically, I could run cash into the store, however, since the stores are closed I no longer have that option. Please help as this is truly concerning in that she is not willing to provide any written communication as to what happened and how I can continue to make alternative payments, which was previously an option.

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