milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with TOTAL MORTGAGE SERVICES LLC (CT).
Issue: Application, originator, mortgage broker

Complaint: This company is nothing more than a " bait and switch ''. I contacted Total Mortgagein XXXX, CT to refi a mortgage currently held by XXXX XXXX XXXX. The loan offier is XXXX XXXX. My credit card was charged a processing fee of {$690.00}, which I was assured was simply a " HOLD '' on my card and would be removed once the loan was processed. The loan was processed on XXXX XXXX. The company refuses to credit the {$690.00} charge on my credit card. 
I paid {$460.00} for a home appraisal that was also included in their processing fees as part of closing. I was informed I would no longer be paying PMI. Exactly one day prior to closing I was informed I would still be paying PMI, however, it would now be included in my monthly payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with DISCOVER BANK (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Discovercard services teams have always been GREAT to work with. The banking side for CDs has also been a pleasant experience. So, when I saw a no cost, no fee home equity offer from Discover Bank, in XX/XX/XXXX, I decided to apply to pay off an existing loan for the lower rate offered by Discover. In hindsight, I wish I had not started this process with them. The process has been difficult, disorganized and confusing. There are emails, phone calls, paper documents that come in the mail, and the process is not consistent or synchronized. I have voiced my views on how they could have made the process easier by upfront inquiries ( for example, self employed and living trust accounts require substantially more information in the application process ). But, they were generally not interested in my observations. Adding insult to injury, I have in fact had to pay at least one of the expenses they incurred, a {$30.00} payoff fee charged to me by my current lender. It's now XX/XX/XXXX, and I still don't have final documents for the loan though it sounds like it may have been approved by someone there at DIscover ....

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There was an incorrect tax lien filed in XXXX County Court in XXXX 2016. In XXXX 2016 the Indiana Department of Revenue notified the court to EXPUNGE the entry as it was done in error. All other credit agencies removed the entry however Experien has not

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 06/14/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: XXXX, Equifax and XXXX have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why XXXX especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On XXXX XXXX, 2016, my credit score with XXXX was XXXX and contained XXXX XXXX XXXX hard inquiry. On XXXX XXXX, 2016, for whatever reason XXXX XXXX ), XXXX lowered my score by ( XXXX XXXX points? and added XXXX XXXX XXXX hard inquiries to my file? Equifax and XXXX did the identical thing. In XXXX, 2016, I filed a complaint against XXXX for the identical conduct and they corrected my record. Sadly, XXXX did not learn much from that complaint, because on XXXX XXXX, 2016, they did the identical thing. This secret altering of my financial records at these XXXX bureaus is adversely affecting my financial security and ability to engage in financial transactions. It has become clear to me that these agencies arbitrarily ( add or delete information to a person 's private records ) without the consumer ever knowing it is being done nor the reason ( s ) why it is being done. You ought to put a STOP to their shenanigans.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NM).
Issue: Settlement process and costs

Complaint: In XXXX of 2015 I refinanced my current Chase Mortgage loan with what I thought was a HARP loan through Chase to lower my interest rate. I asked several times and was informed there would be no fees attached to this loan. My balance at the time was $ XXXX it is now at $ XXXX. I did not anticipate $ XXXX plus in fees. At closing there was also a {$1000.00} amount that said " if the borrower agrees '' however if I did n't agree they said the loan would not fund. I this really a HARP loan or just a regular refi?

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: To Whom It May Concern : I had a collection debt put on me by XXXX XXXX XXXX in XXXX, this account ( {$870.00} ) was paid in full in XXXX XXXX. When checking my credit report this account still shows up on my credit report as a correct account. How long does an account stay on your credit report before it is removed. I thank you for looking into this matter.

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 07/14/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A debt in the amount of {$170.00} has been placed on my credit report by collection agency of Caine and Weiner ( on behalf of XXXX XXXX ).
This debt has been settled/satisfied and closed by XXXX XXXX as of XXXX/XXXX/2017.
This debt has been removed THREE times over the past five months, but continues to resurface on my credit report!
This matter has made me feel frustrated and helpless in my efforts to repair my credit report. Each time the debt resurfaces onto my report, my credit score is affected. My credit score has been going up and down like a Yo-Yo, jumping from XXXX to XXXX, due to this debt.
<P/>
PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX my feelings were all over the place. I felt angry, deceived, and disrespected. I made an error on Complaint ID # XXXX and Im writing to correct it. My Loan Modification was approved on XX/XX/2018 and not XX/XX/2018, sorry about the error, but these 6 months dealing with XXXX XXXX XXXX has been pure XXXX. It was XX/XX/2018 when I received the call from XXXX XXXX claiming they didnt receive my XXXX payment. My XX/XX/2018 Payment was sitting in a Suspense Account. After praying to XXXX about all the chaos Im going through with XXXX XXXX XXXX, I realize this battle is not mines, its the Lord. I pray for all the people involved in wrongdoing, because I know that no good deed goes unpunished.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Struggling to pay mortgage

Complaint: I fell behind on Payment in   XX/XX/XXXX   do to an injury to my shoulder. I called ocwen weekly. They said there 's nothing they can do to assist me.   I applied for  3 l oan modifications every time I was denied. I make {$30.00} an hour and able to make the payment with one paycheck. So it all started  with litton loan in    XX/XX/XXXX   at some point ocwen took over all the bad loans. Please help me save my house.  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MD).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have  a Macy 's store  credit card provided by Citibank. I used the card i  n  XXXX  2016, a  nd paid off the balance in full. Several months later, I received an email that a statement was available online. When I checked the statement, I saw that I had {$6.00} in " minimum interest '' charged on an account with  XXXX  balance. I was also informed that my account was several months past-due for this interest charge. I figured this was my mistake, so I paid the {$6.00}. Last week, I checked my account again and found there was an additional {$2.00} in " minimum interest '' charges. I know it 's a small amount of money, but it 's ridiculous that I am being charged interest on a card that I have not carried a balance on in almost a year. I have closed my account with them, but did not pay the {$2.00} charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Diversified Consultants  is reporting a collection account on my credit report ( for all   XXXX   credit bureaus ). I have never received any correspondence ( mail, phone or otherwise ) regarding this debt. The collection account reported is showing paid, but I have also never paid any money to this company for a collection account or any other type of payment. I have attempted to contact this company twice via certified mail have not received any response from them VALIDATING this debt.  <P/> The first communication was sent on   XX/XX/XXXX   and was signed for on   XX/XX/XXXX     as proven with  USPS  tracking # :  XXXX . In the letter I kindly requested they send me the documents proving the account they are reporting is mine.   I waited the appropriate 30 days and received no correspondence from  Diversified Consultants.  On day 31 (  XX/XX/XXXX   ) I pulled my credit reports and they had not marked the account disputed per FCRA requirements.   On   XX/XX/XXXX    , I mailed the yet another certified letter which they signed for on   XX/XX/XXXX     as proven with USPS # :  XXXX . In this letter I informed them of their violation of FCRA law and requested again that the debt be validated, sending me copies of documents proving this is in fact, my account.   As of today, there has been no communication from this company regarding the VALIDATION of this debt and why they are reporting it on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MN).
Issue: Managing the loan or lease

Complaint: About 12 years ago we took out a loan with XXXX, they sold it to Springleaf. We went to XXXX to get a loan to pay them off as they were charging us over 23 % interest daily, and so we hopefully were going to have that loan paid off. We paid off the balance due, however, they sold the loan to OneMain who sent us another bill sating we owed further funds and that they charge 23.23 % interest daily. if that is the case then we would almost never be able to pay off this loan. I believe that this is wrong and that they should cease and desist their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 have 2 accounts on my Transunion Report that I have disputed and requested that these accounts be verified and each time, the response is " verified '' but no documentation or explanation of their process on how they verified the information. These accounts are NOT mine and Transunion is reporting inaccurate information that is defaming my name and credit ability. 

1. XXXX XXXX XXXX XXXX opened XX/XX/2017 for {$1100.00} 2.XXXX XXXX XXXX XXXX ( Collection Account ) with XXXX XXXX XXXX as the original creditor for {$430.00} These are not my accounts and should be deleted.

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 07/26/2017 about Vehicle loan or lease (Loan) with Whitestone Financial Holdings LLC (NC).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: On XX/XX/XXXX with whitestone financial I started the loan for a 24 month term at XXXX. My loan stayed current up until XX/XX/XXXX when it was past time for my payoff. The company stated that they went an added interest to a loan that was paid off due to a mistake of theirs for not adding in my loan. They went back 2.5 years worth interest which would cause me to double pay on the car. This is illegal and not fair. I told them I could not afford to repay for the car so they took the car and put it as a voluntary repo on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I would like Equifax to remove the fraud inquires from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: In XXXX 2015 I requested an annual credit report from Experian, XXXX, and XXXX. To this day I have not received a report. I would like to know the next step to take

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are two addressess I have never lived at and I have no idea who they pertain to, these addresses are   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (AL).
Issue: Struggling to pay mortgage

Complaint: My husband and I got behind on our mortgage in 2015 due to a medical issue and changing employment. I started the loan modification process with CitiMortgage in XXXX of 2015.  My " Homeowner Support Specialist '' would always be unavailable or out of the office. I would often have to rely on email communications that would take days or weeks for a response. He would say that the documents I would send would never be received or they were inadequate or more documentation was necessary to give to the underwriters. This process went on for almost 6 months. I was constantly resubmitting documents I had already provided or asked for additional items. I was also being advised about not making a payment because if I did it could disqualify me from the loan modification program. I repeatedly asked for another worker for my file and requested to speak to supervisors. I would get nowhere. Finally they did give my a new " support specialist and after 6 months time and after resubmitting all documentation to the new worker it was determined that my husband and I did not qualify for anything but a repayment program that made our payment from {$1200.00} a month to {$2400.00}. CitiMortgage tried to take our home away from my family. We received no help

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 02/26/2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian 's upload/dipute system is non-functioning so I ca n't dispute these items on my credit report. 
XXXX, ACCT NO.XXXX has XXXX collection accounts reporting for years reporting a duplicate collection for a single service with slightly different amounts and a single digit difference in the account number XXXX and XXXX dollars.the original creditor is XXXX.Please delete XXXX accounts.

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 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed several times a debt from  Wells Fargo   XXXX   XXXX    yet it still remains on  XXXX  of my credit reports   XXXX   and  XXXX  it was deleted from  XXXX . I disputed it as I do not know this account and I do not as it was not my account It clearly states on both reports that I was an authorized user only which according to the law makes me not responsible for this account. I called to speak with them on  XXXX / XXXX /  XXXX   was told they could not find an account with my ssn and to call another department to check. Called that department was placed on hold and transferred several times before being transferred the last time after being told I was in the wrong department, without getting warm transferred nor given the number it took me to a place asking for an account number when I could not answer the ivr because I do not have an account with them was hung up on.

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 09-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with Midwest Recovery Systems (IN).
Issue: Can't stop withdrawals from your bank account

Complaint: FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Capital one  XXXX   XXXX ,   XXXX   XXXX    XXXX   XXXX ,   XXXX     XXXX     XXXX ,2016,

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: Not able to access my funds with rushcard. 
Need to pay bill by tommorrow and im stuck without my direct deposit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This is a complaint about checking my credit report to find unauthorized credit inquiries on my credit report that was not requested by me that Exquifax continues to verify. 
equifax mortgage service 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 response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They obtained a number for a relative and disclosed all my account information!

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: National credit syst ems ( company who called ) sp oke to a third party about my debt owed to a previous landlord. Call occurred Friday,  XXXX   XXXX ,  2017 . Third party answered the phone,  NCS asked for me, third party asked what the call was in reference to, and NCS stated the reason for the call was an attempt to collect a debt on behalf of [ landlord 's name ]. The third party asked for the company name again to tell me so I could report it and the girl from NCS scr ambled after hearing the plan to report it and said " well I thought you were saying that you were [ my name ] '' and ended up hanging up in a panic

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I refinanced my through the XXXX XXXX XXXX XXXX in XXXX of 2017 and it is still showing on my credit report that my loan is still open with Ally Financial.

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