milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MN).
Issue: Struggling to pay mortgage

Complaint: In approximately XX/XX/XXXX, my ex-husband stopped making required monthly spousal maintenance payments which in turn delayed my ability to keep current on my payments to Specialized Loan Servicing.

After several months, I regained the ability to make payments but was told that all previous payments had to be up to date before they would allow me to begin payments again. I did not have that amount of money available to me.

In XX/XX/XXXX, I made my first application for a loan modification/repayment plan. It was then that SLS began continually asking for more documentation such as a copy of my driver 's license, a new request for tax information, obtain a quiz claim deed from my ex-husband, etc. and they would drag it out so that I would have to submit a new application with all new updated information including bank statements and check stubs.

I was told repeatedly on many occasions that my packet was complete only to learn they needed " one more piece of documentation ''. Not only that, they changed the mailing address from me to my ex-husband 's address. I was given no communication other than two letters and being served for the sheriffs sale from them even after many attempts over the last two years to change the address or at the very least, to include me on all communications.

I have completed and submitted no less than eight different packages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently, XX/XX/XXXX only to be told that more documentation is needed. 

I have been working with XXXX XXXX XXXXat the XXXX County Housing Department and she has advised me to submit complaints to both your office and also to the office of the Minnesota Attorney General. 

I was unable to upload my documents but will submit them via USPS mail.

Thank you very much for your consideration. Please contact me with any further questions or information you may need.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted an identity theft block to  XXXX , Equifax, and     XXXX   XXXX   .  I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All   XXXX   credit reporting bureaus have refused to block it

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (AL).
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: FILED DISPUTE WITH COMPANY TO VALIDATE THE INFORMATION REPORTING TO MY CREDIT BUREAUS. THE LETTER WAS RECEIVED. I HAVE THE RETURN RECEIPT AND A COPY OF THE LETTER THAT WAS SENT. I ALSO SPOKE WITH A REPRESENTATIVE AT THE OFFICE. I GAVE THIS REP ALL OF THE INFORMATION SHE REQUESTED TO PULL UP THE ACCOUNT AT THAT TIME. I WAS INFORMED THAT I WOULD RECEIVE A DECISION LETTER. HOWEVER, I RECEIVED A LETTER DATED XX/XX/XXXX STATING I DID NOT PROVIDE THEM WITH MY ACCOUNT NUMBER, NAME, ADDRESS, AND TELEPHONE NUMBER ON THE LETTER, WHICH HAS PREVENTED THEM FROM PROCEEDING WITH THEIR INVESTIGATION ULTIMATELY CONSIDERING IT CLOSED. THIS IS ABSOLUTELY FALSE. MY FULL NAME, ADDRESS, AND PARTIAL ACCOUNT NUMBER ( FROM MY CREDIT REPORT ) IS ON THE TOP OF THE LETTER I ORIGINALLY SENT TO THEM. DURING MY CALL WITH A REP, I AGAIN PROVIDED THEM THE INFORMATION THEY CLAIMED THEY DIDN'T HAVE. I FILED A COMPLAINT WITH THE BETTER BUSINESS BUREAU. STILL THIS COMPANY FAILED TO LIST THIS ACCOUNT AS 'DISPUTED ' ON ANY OF MY THREE CREDIT REPORTS AND HAVE THEREFORE VIOLATED FCRA SECION 623.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: On XXXX XXXX, 2016 I took advantage of an offer on XXXX to " Earn a {$100.00} Statement Credit and XXXX Bonus Miles '' when I " Apply for the XXXX XXXX XXXX Credit Card from American Express. '' The offer, which expires XXXX/XXXX/2016 is still posted. American Express gave me only {$50.00} statement credit and refuses to allow me to submit screen shots as proof and refuses to allow me to " dispute '' the amount. My billing period has since closed and I am responsible for owing an additional {$50.00} which should have been part of the {$100.00} credit. They opened a case for which they will not allow me to submit proof, and said it will be resolved in 6-8 weeks ( AFTER I will have paid the additional {$50.00} ). Delta has acknowledged that the offer is still posted and gave me a {$50.00} airline credit toward a future flight, but advised since AmEx is the card issuer/bank, I must get the additional {$50.00} credit from AmEx. AmEx says I must get it from XXXX. XXXX at least listened, acknowledged and took action. AmEx has refused any responsibility and has told me 1 ) I am mistaken ; 2 ) perhaps the offer was n't valid when I applied ( even thought I have a screen shot ) ; says it is none of my business whether or not this has happened to many OTHER customers who applied for an AmEx card via the same offer. AmEx still holds me responsible to pay the extra {$50.00} on my statement, and will not suspend it until the case is resolved. Amex will also not record it in my online credit card profile to show that there is an open case. This seems at the very least to be unethical trickery by AmEx. I hope their investigation includes ALL customers - not only those who complain - who have been cheated out of {$50.00} on their AmEx statement. {$50.00} x many customers can potentially add up to a lot of money making AmEx richer while their customers get cheated. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at XXXX XXXX and trans union and all other national credit reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the Illinois Attorney General 's Office Monday XXXX. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In the year 2000, my identity was stolen. Since then I have made several police reports and sent them to Sallie Mae to dispute my debt. Sallie Mae stated on my credit report that the loans were written off by the government but then they were bought by XXXX and now they are continuing to contact me and charge me late fees and keep these loans on my credit report. I have also done the necessary fraud packets and submitted police reports to them as well and they refuse to take the loans off my name and continue to contact me about this loan

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not had XXXX in over 8-9 years, this collection agency has it listed on my credit file and it is over the statute of limitations and can not validate this. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2016 about Debt collection (Medical) with Capital Accounts, LLC (NY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: My name is XXXX XXXX, I was continually bullied on all calls made to me to collect a debt by Capital Accounts Llc in Tennessee. I was told I was a no it all after i requested a DNC and I was told I could n't speak with a manager. When I told them I filed a complaint with the XXXX I was told I was better than that. The gentlemen continued to bully me. When I filed a complaint with the company I never received a response. I am a debt collector also of a very well profound company and can not believe how I was spoken to. When I told them I planned on retaining an attorney the man " XXXX '' laughed at me and said well we 'll see .. Send that in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Mar Joe Enterprises (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I contacted CBC Collections to pay a debt and have these items removed from my credit report. I was told by XXXX that the company did not have the ability to remove items from the credit report. This statement is untrue. I was also not properly notified of this collection even though I had previous business relations with this company and they had my contact info. I learned of this collection when my report was pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A utility bill I had eight years ago was incorrect. It was a bill for the previous tenant that was living in my apartment, but was transferred to me. I disputed this with the gas company, but they quickly sold my debt to creditors. XXXX harrassing letters and several years have elapsed. The debt has not been present on my credit report for at least a year now. Eight years later, the debt has reappeared on my credit report. I have proof that the debt was not listed on my credit report, and then summarily reappeared with a false " from date '' of 2013. I was not living in the same state at the time of the false date. The company is listed under XXXX under different names. It is listed as TransWorld XXXX, and TSIXXXX XXXX. XXXX are appearing only for the first time this month.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX 2013 ( 3 yrs, 11 mos ) Original Creditor Name : XXXX I called ENHANCED RECOVERY COMPAN to remove that false report on my account. I have been now with XXXX for 4 years, and never owe them a penny. And Enhanced Recovery never got back to me. I sent them letter ... They never got back to me ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (VT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has called a friend, my place of employment, my sister, my brother-in-law, my nephew and my home phone and my cell phone numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 just received confirmation from XXXX credit reporting agency that an item " XXXX XXXX XXXX " was finally deleted off my credit report after there investigation. However I am submitting this complaint about experian and XXXX credit reporting agency 's as they are still reporting this account on my credit report. It has been disputed numerous times and experian and XXXX should have received the same response from XXXX XXXX XXXX to remove this account off my credit report.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had an auto loan with  XXXX   XXXX , the loan was paid off in full with no late payments. It is reporting as dismissed under bankruptcy with late payment after it was paid. I have called several times in attempts to correct this information on my report. I began calling in  XXXX  to get this resolved and as of today the information is still showing incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The address on my credit report for XXXX XXXX is incorrect. I disputed the inquiry and they said they verified it and for me to contact the company. When I sent the letter to the company it came back. This is n't the first time I had a letter to return because of the wrong address. I have attach another letter that was returned to show that they are reporting incorrect information on my credit report.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have made numerous complaints to XXXX XXXX XXXX concerning the following account XXXX. XXXX XXXX has refused to accurately report the above mentioned tradelines on my Equifax Credit Report I requested to speak to a representative in the Credit Reporting and Bankruptcy Department and was told by XXXX in customer service that she couldnt transfer me to the anyone to speak to about my situation. I explained to her the way the account was being reported was incorrect. She said that it was acceptable to report the repossession status in conjunction with the bankruptcy. I informed her that the reporting was incorrect and that it was considered to be continued " collection '' activity and that it violated my rights under bankruptcy protection. I am demanding XXXX XXXX XXXX to delete this account or will escalate my case to the higher authority or pursue other legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  XXXX  judgements which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with equifax,  XXXX , and  XXXX !!!!! I keep getting the run around and Im tired .... there is like a thousand address/ names etc that I want updated also. Please HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (I do not know) with ERC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ERC contacts me and leaves call-center sounds on my cellular telephone answering service. However, today I was able to answer the telephone before it went to the answering service. The caller did not identify herself other than to ask for " XXXX XXXX, '' whom I promptly informed her was nobody known to me. She then hung up abruptly without explanation. I used a call-tracing service to determine this was ERC and asked them directly and through the Federal Communications Commission to cease and desist calling me as I am not whom they seek.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Someone was able to use my account and go to various other banking locations such as XXXX XXXX XXXX and XXXX XXXX XXXX and pull funds depleting my account. They depleted about 1500 dollars. I went into the office talked with branch managers and even filed a police report and nothing was done. I ended up having to close my account with this bank. They did absolutely nothing to help me and they didnt even check out my police report

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Payday loan) with Triton Management Group, Inc (SC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Took out a personal unsecured small loan to taske are of some medicine that my husband, whom I 'm so very proud of, obtain his pain medications for the month when his XXXX would fill up. Dealt with this. Company before and i should have know better but I went ahead with it bc i did n't know how I was gon na make it for ghe the month anyhow?? So I went back to a loan company that I said I would never deal with again but at that particular time I did n't have a choice. After realizing I had signed that permission paper again I called and made sure that I knew what to do when I needed to stop it any future debits. The loan place hit my bank account on the XXXX of the following month on the XXXX with the due date on XX/XX/XXXX!! So I called the store manager on XX/XX/XXXX and she was really nice over the phone. So I stopped by there to find out what happened and she explained that she had been on vacation that week it happened and she was even kind enough to show me on the form I had signed that I had the right to revoke that authorization by just telling them or writing them. So I XXXX her right there that I no longer have the permission to access my bank account and she said ok and she said she would make sure it would n't happen again. She said she had never taken vacation on the XXXX bc people usually messed something up. So the next month comes due so I get some cash out to pay it due to the fact that they do not accept personal checks, and other forms of payment. So on XX/XX/2016 they hit my account again that ended up costing me an additional XXXX NSF charges that was {$76.00}!! I called the home office and asked to speak with someon n management and a very nice lady named XXXX helped me by taking down my info and my complaints and assured me that her boss would receive an email explaining what happened. On XX/XX/2016 I personally went to my bank and asked for their help and they suggested I rip that debit card up and order a new one. 
Did they breach the contract by continuing to take unauthorized debits?

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Balance transfer fee

Complaint: A representative of my soon to be ex credit card company blatantly lied to me and I was charged a {$100.00} fee. 
I was considering making a crash transfer or " balance '' transfer from my credit card account and to my checking account but I was concerned about any fees or interest associated with such a transfer. So I called the credit card company, Bank of America in this case, and asked them about fees and interest. The representative told me there would normally be an interest associated with a transfer like that but that I am on a promotial period until XXXX 2017 so there would be no interest charged. I then asked him if there were any other fees associated with such a transfer and he said no. I now see a {$100.00} transfer fee on my statement relating to the transaction. 
But all that could have and should have been resolved as a misunderstanding. The reason I 'm writing this up is because when I called in to get the fee removed I was told that the agent who told me there were no fees " did n't write in his notes that I had asked about fees '' or that " he had told me there were no fees '' so they could n't remove that charge. I was blatantly lied to and then told they had no immediate record of that interaction so the fee could n't be removed. 
Currently the most recent rep. that I spoke with said she submitted an " escalation '' form and that the recorded phone call would be reviewed and that it will take up to 5 business days to get back to me. I doubt they will refuse a refund of the fee after that but I 'm writing this up because some other people might not know to ask about submitting and escalating form. In fact I did n't know about it and it was only after I threatened to report this incident and cancel the credit card that she offered the escalation form. This seems like a blatant form of predatory business practices this agency was designed to stamp out and I really hope that I 'm the only one this has happened to, but I doubt it. And I hope that if there are more people who have fallen victim to this sort of thing that you guys come out swinging with a war hammer ... or a small mallet ... or whatever tools congress gave you. 
Oh, and the XXXX dollar fee was made because I made the transfer online, specifically through the mobile app. Something I feel like I should have been made obvious irrespective of calling in. But it was n't.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief