milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MI).
Issue: Trouble during payment process

Complaint: I called Loancare towards XX/XX/XXXX or XX/XX/XXXX. It took many calls to even get through to their cs dept. Finally, I was able to speak with someone about working my XX/XX/XXXX mortgage payment into my future payments ( aka, a payment plan ). My normal rate was around $ XXXX month. After the plan got set up, I was paying them $ XXXX month. I also had to fax them a form stating I agreed to the plan. I was assured that this debt would not appear on my credit report since I set up a payment plan with them. My mortgage payment was not 30 days past due at the time I set this up. I then received a letter in the mail telling me that my mortgage was late. I called and again, after many calls, finally got through to someone who said she had no idea what I was talking about as far as a payment plan for XX/XX/XXXX. So, obviously, that concerned me because it 's my credit and my home we 're talking about here and I have never been 30 days late on a payment. After a frustrating call, getting no where, I hung up and decided to leave a review. Then they responded to my review just asking me to email them. I was all paid up on my payment plan by XX/XX/XXXX and so I emailed them and asked specific questions like if they could confirm I was all paid up and my mortgage payment would return to the normal rate. Their response did not answer my questions and so I then responded, immediately, to the same email and they " promised '' to respond by XX/XX/XXXX. This was after 3 emails to them. So, here comes XX/XX/XXXX and still no response. I emailed them 2 more times and no response as of today. It is unfair that my account was transferred to LoanCare through XXXX XXXX XXXX without my consent and now I have to deal with a company that literally has no customer support. Here are my questions for Loancare who will not respond to me anymore. 



Thank you. The letter you sent caused confusion on my end. 

Can you please confirm, yes or no, the following questions : 1. Is my XX/XX/XXXX payment going to be {$540.00}? ( Y or N ) 2. Were the extra amounts I was paying, that started in XX/XX/XXXX being applied towards my XX/XX/XXXX mortgage dues for the repayment plan? ( Y or N ) 3. Were the extra amounts I was paying, that started in XX/XX/XXXX being applied to Principal instead of the XX/XX/XXXX mortgage dues? ( Y or N ) I need assurance that LoanCare has NOT been reporting to the credit bureau that I have missed my XX/XX/XXXX payment, because I set up the payment plan in XX/XX/XXXX, and was assured that it  would not go on my credit as a bad debt. 

Can you confirm that LoanCare is not on my credit report through any of the credit agencies? ( Y or N )  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 explanation
Consumer complaint received 11/28/2017 about Mortgage (FHA mortgage) with Sharpe Mortgage Lending Services of Georgia, Inc. (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX XXXX at Sharpe mortgage did not comply with the fair housing act, specifically the Equal Employment Opportunity Commission ( EEOC ) regarding sexual orientation. He denied me simply because I could not answer specific questions regarding my husbands credit profile. I asked him to contact him directly, but he refused and stated that he could not help me and did not believe who I was even though my best friend ( former customer of XXXX 's ) referred me to XXXX XXXX himself. Also, he made comments regarding my character regarding my identity. He received all the required documents he requested but refused to help me based on personal reasons. I also think since my husband and I are XXXX he refused to assist us. 

I was pre-approved within 3 hours by another mortgage broker at a different company after receiving his decline letter via email he sent the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I put a FRAUD ALERT, CREDIT FREEZE, AND A HOLD on my credit file over a year ago, and I am still have my credit report pulled constantly by different companies without my authorization and all XXXX agencies are refusing to delete the inquiries from my credit file which now shows I have over XXXX pulls in over a years time. 
Then lately I had a XXXX claim paid off XXXX credit cards from XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( all account ) and they the credit bureus and banks has refused to update my account as paid and and XXXX balance, I have even sent them the letter of the paymets sent to them and verified the payment had been received. 

XXXX XXXX has reported the account past due which has brought my credit score down to a XXXX from a XXXX. 

Third ; all XXXX credit bureara, has refused to correct my address, phone number on file I have sent in my social secutity card, utility bills, DL, ect and they refused over and over again. 

Equifax refuse to even send me a copy of my file at all even when I send them a denial of credit. 
XXXX refuses to dispute any of my request saying that I have no grounds to dispute even with new evidence. 
XXXX same outcome. 


I have asked that the freeze stay on my credit report but I have ask that I be opt back in to receive offers from my current creditor and I have not had that fixed either.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a listing for a {$300.00} debt turned over to a collection agency ( XXXX ) but the debt was paid in full directly to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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: ONGOING 2 YEARS LATEST XX/XX/2017. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and Experian automatically change it to XXXX XXXX XXXXThe Post Office, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] Experian Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames Experian and Experian does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
XXXX indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX *Street Address XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX *City XXXX *State. 
IN - Indiana *ZIP Code XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 01/31/2018 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: a debt was sent to collections that I do not owe.

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017, I went on Regions.com online banking website to make a payment on my Regions XXXX  Card. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XX/XX/XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. XXXX XXXX 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 06/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Customer service / Customer relations

Complaint: I applied for a credit card on XX/XX/XXXX and was declined. I received a email notice that the letter explaining why the card was declined was available through a secure link. After logging in to view the letter, it only brought up a letter from XX/XX/XXXX. This was the XXXX time this incident happened. I called to find out why I could not see the letter, only to be told they did not know. I was told I would receive a letter in the mail and have not received it. I applied again on XX/XX/XXXX and was declined and receive the same email again with the secure link on XXXX XXXX, only again to only show an old decline letter from XX/XX/XXXX. I verified my address and was told a letter would be mailed. I have not received any decline letters for the last XXXX attempts starting in XXXX. I would like to know why I am decline so I what I need to do to better my credit status, but Capital One refuses to send me a decline letter via mail, and the onle secure portal does not show my letter. The supervisors only tell me that they will send out the letter again. I need help. Someone please help me get the decline letters from Capital one so I can know why I am declined. The Application or Reference number to the XXXX application is XXXX. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed my TransUnion score with credit karma declined almost  XXXX  points. Upon further investigation I noticed  XXXX  recent credit inquiries on my report that I did not authorize. I called transunion and spoke to a representative and she would not help me or assist me in removing these. They are from   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX ,  XXXX  and   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 06/29/2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (MA).
Issue: Application, originator, mortgage broker

Complaint: I submitted a request to get refi-mortgage options and was called by Quicken Loans on XXXX/XXXX/15. The same day the loan was setup. I had said that I wanted a 30 year fixed with {$0.00} at close and {$0.00} out of pocket. I was told from Quicken Loans representative that it could be done and began delivering information that they requested of me. By XXXX/XXXX/15 they had all docs and was sent to underwriting. Over a month went by and then I received a call from QL stating that I would need to bring bring money to close. ( approx XXXX ) I began asking how this could happen and explained to them that was n't our deal. I was told that I could step away from the refi in which I explained that rates had moved and I could not get the same deal with another mortgage broker. ( I was offered the same deal at the start of this process with another mortgage broker but went with Quicken Loan after they said via email " If I commit to there company right now they could do the same deal '' ) Now I am stuck with a deal which much different than what I was told with a higher interest rate/monies atclose and QL loan appears that they did nothing wrong. Even though they said they made a mistake as all of the calls are recorded. It appears that they bait and switch you and use predatory practices to get you in the door. I think its very unfair and that they have no integrity. I have some email communications that I cant save down from my yahoo account. Please let me know and I can forward them on.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: My husband who 's primary language is XXXX purchased our wedding rings from XXXX XXXX. He was told at the time by the sales associate, who was also Russian speaking and went over this info in XXXX so my husband would understand that the rings would be on a special promotion of 0 % interest until the balance was paid, it was important that we buy the rings now - which was literally 4 months before we needed them, but it was such a good deal he decided to go for it. 
We have been paying on the rings online like good little troopers until we saw the balance shoot up by {$1200.00}, apparently the promotion we were told about was not true, it expired after some period of time. I asked my husband for the financing agreement, he said he never got one, he just signed a signature box in the store - he took the word of the sales associate. 
Both myself and my husband have called XXXX XXXXXXXX on multiple occasions and filed disputes. Every response we get to the dispute does not address the problem - we were lied to about a promotional interest rate. On the third attempt the call center representative event admitted that they get these complaints all the time before she transferred me to the manager.
The manager told me that our complaint was n't ' valid because the printed statement says that there was an expiration date. I reminded the manager that we pay this account on line and rarely open a bill, never less go searching for some inconspicuous notifications about their fake promotions! Furthermore, the problem is that we bought these wedding rings under false pretenses - what can we do now GIVE BACK THE RINGS? In my world that 's called a bait and switch. The manager said he would forward the complaint to their legal department and someone would call me in 3 days - its been a week and I have not back from anyone. I am tired of the merry go around with Zales Outlet and their unsavory business practices. I hope that someone can check in on how they do business, I know we are not the only people dealing with their shenanigans.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Debt collection (I do not know) with First Data Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX XXXX is attempting to collect on a debt that isn't valid. After paying the original creditor, XXXX, I do not understand why XXXX   XXXX XXXX contacted me about any debt from XXXX. Never the less when responding to XXXX XXXX XXXX I provided the payment I.D., that I was given but I have continued to receive notices in the mail in attempt to collect the what has already been paid..

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 06/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Trans Union credit report states that I opened a XXXX XXXX XXXX credit card in 2013. I called XXXX XXXX XXXX and they do not have a record of my having a credit card with them. C/R is used to describe the issue on the credit report. I would like this removed from my credit report as I have not used a XXXX XXXX XXXX card for several decades.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Have been attempting to transition my student loans which are under the Federal Loan Forgiveness Program transitioned to a different Income Based Repayment Plan since XX/XX/XXXX. Since then they have been charging greater than the discretionary 10 % of income set by the federal government, persistently not processing my application, and continually showing my account past due. Thus in order to protect my credit I persistently call and continue to make payments. I 've been keeping records of phone calls over the past couple of months with employee names and ID # 's. At this point seems they are not willing to transition my loans to the desired Income Based Repayment Plan, which I thought was against the law as these are federal loans? This has now placed XXXX, XXXX, and negatively affecting not only my credit but my ability to provide for my family as we transition from one state to the next for my upcoming XXXX in XXXX. I desire to pay my loans! I desire to pay them off early! Though in the meantime I need a loan provider who is not going to charge me more than the federally allotted discretionary income of 10 % and be willing to transition my loans into a qualified repayment plan as I desire. 

This complaint, written on XX/XX/XXXX at XXXX Eastern time zone, is being filed with todays documented conversation with Fedloan Servicing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Dear CFPB ...     I am addressing to you my problem because i am sure you are treating the clients in most fair and competent way : well here is my concern ... And i want to say right upfront the reason why i address the problem just now in  XXXX  because citibank kept promising me for numerous time to fix the issu e ( mo nth by month ) but all their words were worthless.   I had a promotional offer to open gold checking account by  XXXX   XXXX   XXXX  with the promotional code which i included upon the process of opening account for receiving  XXXX  THANK YOU POINTS. And i followed all the requirements while i was opening account and within the next couple months as it was stated at the offer summary. But after waiting for several months i realized that i was missing my bonus. And i started calling citibank and told them i did not get the incentive. Well ... each time they said a different story :  1. 'it takes a little more time to reward you '', 2. " we are going to do a dispute '', 3. '' we  can not find the code which you entered. " ... and other other fake stories. I even have the chat with pictures where the agent confirms that i followed all the rules within the exact timeframe.   Then i started reading some feedback online from all other clients of CITIBANK with the similar issues and there were so many complaints about the same problem .... And that is why i made up my mind to look for the truth at another place by contacting you. And i feel so frustrated for all the time when i waited for the resolution and had to pay a monthly service fee of  XXXX  $ because i thought i needed to keep account opened so someone could resolve this situation prior to account being closed. So obviously I wasted a lot of money.   And today i am really begging you to help me in resolving this issue and provide me the incentive which i was qualified for so i can cover at least those expenses lost for the need of keeping account.   THANKS in advance for your help and please let me know if you need any other details.

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 04/16/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls 6-8 times a day to collect on a debt and when I call and complain that they are changing the terms and conditions of the loan agreement, I am being told the grace period they offered was just a courtesy.

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

Complaint: They would n't let me lower my payment and said it would go into automatic default if my dad died. They kept putting it in Forbearance instead of lowering my payment like they said. I 'm about to default. I kept asking for a lower payment but they said they could n't do it until the past due was caught up but they gave me no way to do that. I offered to send what I could but they told me not to bother because it did n't matter. My dad died a over a year ago and I 'm scared to call them.

Company response to consumer: Closed with explanation