milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 contacted XXXX XXXX on XXXX XXXX, XXXX & spoke to a rep by the name of XXXX & she assured me that NO ONE from Equifax verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XXXX XXXX, XXXX. I also contacted the New York XXXX XXXX on the same XXXX & was also told that NO ONE from Equifax verified any type of bankruptcies.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Managing the loan or lease

Complaint: My iPhone loans with Citizens One loans were setup to be paid automatically by debit card. 

The debit card had to be replaced by the bank as it was compromised by fraudulent activity. 

Subsequently Citizens One emailed me to let me know they had not been able to take payment. When I tried to log in to the website ( per the instructions in the email ) to change my details, I was greeted by a blank screen, despite having logged in with the correct credentials. 

When I called them about it, they claimed it was a browser problem ( it was n't - I tried with XXXX different browsers on XXXX different devices ) and told me I could only switch to paying by credit card for the current due payment. They told me they would escalate the website issue and I would be contacted with a resolution in 7 - 10 business days. I never received any further communication about the website issue. 

Instead I waited a few days and was able to log on and switch the autopay to my checking account, so I would n't face this issue again with a debit card being taken out of use. 

When the next payment came due, I again received an email saying my debit card payment had failed, even though I had switched the autopay to my checking account. Again I tried to log onto the website and again was greeted by a blank page. 

I called again, and was again told it was a browser issue on my end, and that I could pay the current payment via credit card. 

I 'm in an endless loop of being denied reasonable means to update my information without them reverting to old information, and some kind of scam whereby they 're forcing me to pay by credit card, presumably so they can charge me some kind of additional fee.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has been consistently careless, unprofessional, and lazy about correcting errors that they made. It took 10 days of constant follow-up on my part to ensure that my account was accurately updated. I can not fit my complaint in the XXXX allowed characters, so my full complaint is added as the first attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (I do not know) with ZENCO COLLECTION, LLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have gotten several calls from this telephone number XXXX. In addition to all of the calls I have gotten, my family has also gotten these calls as well. Once I returned the call, I was not given any type of debt collection disclosure, just told by the person answering the phone they were the secretary and they would have to connect me to the person that called me. Once I was connected, I was then asked several questions and I asked several more times who they were and why they were calling. I was told I owe {$7000.00} and that the person who answered talked to my family and stated " was told by your sister you commit fraud '', " There will be a police officer sent to your job '' and that I " ony had until XXXX tomorrow to have this resolved. '' I work in the XXXX and am taught the importance of the CFPB and Fair Debt Collection, and this behavior is completely unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: DIVERSIFIED CONSULTANTS INC has place a trade-line on my credit report. XXXX was the original creditor, and there was a dispute already placed with XXXX. XXXX reported to me that they closed this account with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: On Monday XXXX XXXX 2016, I proceeded to the Chase Bank in XXXX XXXX IL. The sole purpose of my visit was to take my mom in to close her current account and to open up a new one, due to a scam that she encountered due to a purchase on the internet. Once that was completed I proceeded to open me a new account with chase, based upon a conversation that I had with a representative stating that I could do so because I no longer owe chase that money. So I proceeded, the account was opended and I went home, The following day XXXX XXXX 2016. I proceeded to enter a Chase branch in XXXX IL to request a different design debit card. At that time I was told that my account was closed, they snatched my debit card, and pushed me out of the Branch without a explanation. I then called the customer service number, who informed me of the same thing. but yet did not tell me why. Only that they will mail me a check, my account is closed, and no one else in the whole company can tell me why my account is closed. The funny part is, here today XXXX XXXX 2016 and my account is still open per my Chase mobile app, with the XXXX still in my account.That was my only means of money and yet they still have the account open, so how is that possible when chase was rude and lied and did not give an explanation!!!!!! I was treated unfairly and discriminated against!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I mailed a letter to DIVERSIFIED CONSULTANTS INC on XX/XX/XXXX stating that the account for XXXX XXXX did not belong to me. I requested that proof of validation and verification be sent to me right away. I received a letter from XXXX showing that the debt was valid and a statement was attached showing a balance but no verification that the account was opened or belonged to me. I requested a signed contract with my signature for the debt and it was not provided to me. So I am requesting that this debt be deleted from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: While I was living in  XXXX  with my family   XXXX  as  XXXX   someone opened a Capital One account in my name. I found out from my local credit union years later. I never received any account or statements. I was out of the country. I did an ID theft affidavit, had it signed by a police officer and filed with my local police dept. I also sent all the information to   XXXX   XXXX   XXXX  . They then recently sent me three statements from Capital One saying it was my account. It lists an address in a city I 've never lived. The address is more information than I 've ever had. Capital One would n't talk to me about the account because I could n't confirm " details '' about it, yet they report it on my credit report. I ca n't possibly answer questions about an account I do n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit card () with DISCOVER BANK (DE).
Issue: Rewards

Complaint: Last month I received a new credit card from discover card. They changed the product that I already owned as I was not using my existing card anymore. The new card looked better therefore I activated it. When I checked my account online it showed a negative rewards balance of {$120.00}. It did n't make sense for me to have a negative balance as I was not using the card much for over an year. When I inquired they did n't give me a an explanation and said they would check and get back to me. I never received a call therefore I called again to check. At that time they said it could be due to returns but since the returns over 2 years did n't even amount to {$500.00}, it was unlikely to get - {$120.00} balance. That theory was rejected and then they said they will get the issue to headquarters and some supervisor would call me in XXXX hrs. Never received a call again. I then sent a message and they replied that a supervisor had left a message on account that it could be due to a transaction that was not paid using discover card. Again it was a theory and they never mentioned the transaction in dispute. Also, how could they offer a reward and then reverse it when the card was n't even used. It did n't even make sense. I again asked for explanation and have n't heard back yet for a week now. I need to know why I have negative balance in rewards and if there is no decent explanation I want the negative balance to be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Ca n't receive my credit report because of information on my credit report is not accurate I am a victim of I 'd theft which has been reported many years ago with the IRS and other government agency and still my information is being stoking for cars mortgages and loans that I never had or applied for ... I 've tried calling the police for a complaint and they we 're no help instead they blew me off what is my next step to fixing this 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 non-monetary relief
Consumer complaint received 01-10-2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I have been working with SPS for a loan modification application. On XXXX XXXX, 2018, a letter was sent regarding the decision reached on behalf of SPS and the investor of the loan. The letter specifically states that " please note, income was not required nor considered as part of our evaluation. '' and it proceeds to state the reason for the denial is due to NPV. It continues to state that the NPV calculations are calculated using certain financial information about me and my account. It states that certain key factors such as property value and monthly gross income play an important role in the calculation. So how can I be provided a denial and told my income has nothing to do with it then being told it has everything to do with it? The only option I am being provided with is a short sale or deed in lieu. I was even denied a repayment plan because they feel I can not afford it, they did not even offer or give me a chance to see if I can. I will do anything to save my home and feel I am being set up for failure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Massive amount of fraud IDs scams frauding my documents and as business account and IDs scams and phones and internet scams frauding my documents. Federal and state not authorized Frauding scams national security clearance data Frauding scams IDs and accounts business frauding my VA mail and social security data and passport data Frauding scams frauding as medical scams Frauding scams using assortment of books and publication scams Herds frauding my documents as restaurants menu 's and food products Frauding saint XXXX XXXX XXXX XXXX XXXX XXXX ob Serial numbered documents of my birth certificate which is serial numbered attached to all my grade school documents and medical files and taxes and IRS pin and passport data ect Others wrecked my XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX country Indiana as others states counties and town and government and in ever state where they pulled that frauding scams frauding my XXXX country Indiana XXXX XXXX Indiana and family XXXX Indiana documents by the others state family 's and business.like they copied my grade school federal and state of Indiana permit and then copied all the adjoining data attached to the school by others states family 's after they copied the school

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Chrysler Capital has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.      XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX  . I   always make my auto loan payment online through www.chryslercapital.com. I would then be transferred to   XXXX   XXXX   to process my online payment, for a fee. At first my payments would post within a day or  two, but  then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in   XXXX   XXXX   XXXX  , that Chrysler Capital correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and Chrysler Capital 's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until   XXXX   XXXX   XXXX  , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporti ng company, that one of my payments had been listed as default of 30 or more days. I find it extremely od d that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that Chrysler Capital is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Struggling to pay your loan

Complaint: Tried contacting company in regards to payment arrangement and settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (Medical) with FMS Inc. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Credit card) with WORLD ACCEPTANCE CORPORATION (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: " Agent '' XXXX XXXX called me at work and threatened to seize all of my assets and remove money from my bank account and If i would not give out my bank information then I needed to retain an attorney, The decision needed to be made today that would impact my life and if I did n't act fast they he would make sure I would be bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (I do not know) with Senex Services Corp. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've disputed this debt with Senex Services and the credit bureaus but Senex continues to verify the debt as mine when in fact it is n't. I requested them to validate the date which they have yet to do and to report a debt that is being disputed before the completion of a thorough and fair investigation is a violation of the FDCPA and FCRA. 
Duly noted as I request assistance from the CFPB in helping me resolve this matter correctly and fairly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NV).
Issue: Trouble during payment process

Complaint: Refer to attached registered letter for details ( this is in regards of mishandling claim in loss draft department do to Fire ) there holding monies XXXX already paid and not paying contractors causing me to pay out of pocket to contractors causing late mortgage payments stating I-am under special monitoring???????? and they have not approved the rebuilding of my house which already been half rebuilt, the fire and the mortgage company that held loan is different, XXXX Mortgage Bought Loan In The Middle Of Construction From 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 01/21/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all three major credit reporting agencies, XXXX Experian XXXX XXXX whose report numbers I have entered in the field for 'Original dispute case numbers. ' None of these agencies have ceased to continue this negative reporting on my credit records. It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/15 ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, 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 non-monetary relief
Consumer complaint received 02-05-2018 about Mortgage (Other type of mortgage) with CROSSCOUNTRY MORTGAGE INC (FL).
Issue: Applying for a mortgage

Complaint: I applied for a mortgage with XXXX of Cross Country Mortgage of XXXX XXXX, FL back in XX/XX/XXXX. My credit is not perfect, I have a bankruptcy which included a foreclosure, but I was pass the 4 years required by XXXX XXXX. I sold my house, started the process of buying a house, I had to rent a place to stay on a week to week basis during the process. XXXX explained how the entire process would work from beginning to end, although none of it was true. Once I had sold my house and essentially had no where to live the simple process became difficult. I started the process XX/XX/XXXX, and was told around XX/XX/XXXX or XX/XX/XXXX that the foreclosure wasn't included in the bankruptcy. I had no where to live and already under contract to purchase a new home. XXXX kept telling I had multiple options and he was looking for the best. We had to keep pushing the closing date with the sellers, I was afraid I was going to lose the home and my deposit of {$10000.00}. XXXX told me the correct paperwork wasn't done for my bankruptcy and all I could get was a 5 year ARM, he told me I would only have to pay interest and he would refi free for me XX/XX/XXXX when the time frame had been met. I paid his company thousands to close and the company the gave my loan to ( XXXX XXXX ) made me pay creditors off they thought was best. The mortgage payment was more than I expected. Then XX/XX/XXXX I spoke to a couple mortgage companies and finally settled on one who refinanced me into a conventional loan, one that up until about a week or two ago XXXX still said I couldn't get. 
I really feel that because I was in a bind, desperate XXXX took advantage of the situation. Not only did the loan cost but I had to pay for some place to stay longer than I planned. I would like to make sure this doesn't happen to anybody else!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Company switched me to paperless billing. I did not want this, nor did I receive any bill thru e-mail. X/XX/2017 Received notice via mail that account is XXXX payments past due. Called the phone number on letter and paid amount in full via electronic check. Company refuses to admit their mistake / credit me for the late fees & interest associated with this 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 monetary relief
Consumer complaint received 08/18/2016 about Payday loan () with Integrated Recovery Services (FL).
Issue: Received a loan I didn't apply for

Complaint: This number XXXX ext XXXX Integrated Services say that I got a payday loan. They keep calling my work after i told them that it was n't. They said that I was going to jail he keeps calling me at work. I asked him for his mailing address and he would not give it to me. I am going to lose my job because they call every day.

Company response to consumer: Closed with explanation