milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Seeking to have credit bureaus remove a tax lien filed by the State of Georgia which has been paid and satisfied for more than 4 years. Additionally, the lien was filed in XXXX of XXXX so i believed that the lien would fall off my credit reports after 7 years, being XXXX XXXX. 

Upon contacting Transunion and XXXX today XXXX XXXX/XXXX/XXXX XXXX to confirm that this would be removed in XXXX once the 7 year mark had hit from its original filing date, I was informed that legally my tax lien must be reported for 10 years by law with a removal date of XXXX XXXX or to get an order from a judge ordering its removal. However, after viewing the Georgia XXXX website XXXX it specifically states the following ; " The Department has no control over the length of time that credit bureaus keep public information on a credit bureau report. To update your credit bureau report, you must contact the credit bureaus directly. If the Department recorded a state tax lien against you in error, the Department will amend the lien by stating that it has been officially withdrawn. Please note that the Department can not instruct a credit reporting agency to alter its records regarding this error because the Department does not report the recording of state tax liens to any such agencies. '' So there seems to be no such order of removal process in the state of Georgia or law requiring credit bureaus to report satisfied tax liens for any specific amount of time. It appears Georgia residents have no way to request satisfied tax liens be removed from credit reports. 

I am requesting your organizations assistance in having this lien removed from all credit bureaus in good faith as I paid the tax debt ( {$1500.00} ) once I learned there was a judgment and had been reported as a tax lien more than 3 years ago ( XXXX XXXX ) and additionally exercised patience in believing that the public record would be removed after 7 years of its filing date only to learn that the credit bureaus can report a public record for any length of time they choose, in this case 10 years, even though my state agency does not mandate this. 

I have attached a copy of the letter from the XXXX clerk office showing the date the lien was paid/satisfied and ordered removed for the XXXX clerk office. The bureaus advised that this letter does not suffice for removal.

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 08/31/2016 about Credit card () with IMC Capital, LLC (ID).
Issue: Unsolicited issuance of credit card

Complaint: I received an unsolicited credit card for my business, ready for activation upon its arrival. The scary part is that there is an actual card, with a {$150000.00} limit, addressed to a former Board of Director that has not been active in my organization for over 15 years. It is from XXXX, a company I have never heard of. I often receive solicitations or credit applications, but never one like this. I would be very afraid of what someone could do with a card like this to my companies credit, and all of the headaches that would ensue. Thank you for your help with this matter.

Company response to consumer: Untimely response
Consumer complaint received 07-05-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (AE).
Issue: Loan modification,collection,foreclosure

Complaint: I had been working with XXXX XXXX XXXX for almost a year to apply for a loss mitigation on a VA guaranteed loan. I feel behind three payments because of a family medical emergency. I called XXXX to report that I had to travel from a foreign country to USA to attend to my mother 's XXXX. I did not know that I needed to make a payment arrangement. When I returned to the foreign country I forwarded XXXX {$900.00} through bill pay directly from my checking account on XXXX XXXX XXXX and {$3500.00} on XXXX XXXX XXXX and both were returned. I received a letter indicating that I needed to pay {$4200.00} to bring my mortgage current. I sent a check for that amount on XXXX XXXX XXXX and it was returned because it was not a certified check. I called XXXX on XXXX XXXX XXXX and was informed that I would have to pay {$5200.00} to bring my loan current I did not have that amount therefore, I requested a repayment plan and was told to submit a loss mitigation package. I submitted my XXXX loss mitigation package on XXXX XXXX XXXX, the XXXX one on XXXX XXXX, the XXXX one on XXXX XXXX and the XXXX one on XXXX XXXX XXXX. With each submission, I was told that they were incomplete however ; each letter requested the same information. The fourth application was accepted. I called XXXX and spoke to XXXX ( XXXX ) on XXXX XXXX XXXX and she informed that my application had been received and it was under review however, the loan was being transferred to Freedom Mortgage Corporation with an effective date of XXXX XXXX XXXX. XXXX informed me that since I had submitted a loss mitigation package and assigned a relationship counselor my loan and loss mitigation would be transferred and I would be assigned a relationship counselor with Freedom Mortgage Corporation. I called XXXX on XXXX XXXX XXXX and XXXX informed me that loans from XXXX would not be on board until the following week. On XXXX XXXX on a call to Freedom, I was informed that my loss mitigation package was not transferred and a relationship counselor would not be assigned to me. In addition, if I could not bring my mortgage current I would have to submit a new loss mitigation package. I received that package from Freedom XX/XX/XXXX with information that stated that I would have to make monthly payment until I received some information on my loss mitigation package. I forwarded XXXX XXXX XXXX 's a copy of my XXXX, my VA Letter and my husband VA letter via email on XX/XX/XXXX and submitted my completed application on XXXX XXXX XXXX. I called Freedom Mortgage Corporation on XXXX XXXX to check the status of my loss mitigation package and told that my house was sold in a foreclosure.

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 12-09-2015 about Credit card () with JPMORGAN CHASE & CO. (RI).
Issue: Other fee

Complaint: I just returned from almost 2 weeks ' travel in XXXX. The practice is now common for handheld POS devices accepting XXXX ( U.S. ) credit cards to offer to charge the card in XXXX dollars or local currency. But the terms state a usurious exchange rate for the consumer who chooses U.S. dollars. Also, the ability to decline the exchange and use local currency is often not clear from the instructions : either the instructions confuse " decline '' the exchange rate with " decline '' the transaction, or they ask for multiple ambiguous verifications before allowing the consumer to decline the exchange rate. That said, the worst problem is this : The merchants often maintain physical hold of the POS device, even out of sight of the consumer, as at a restaurant, and the merchant ( unwittingly ) accepts the usurious exchange rate on the consumer 's behalf, thinking he or she is doing the customer a favor by employing the customer 's home currency. This practice on the part of the banks is abhorrent and allows them to reintroduce hidden foreign transaction fees through the back door. When the merchant consents to the usurious exchange rate, that is not my consent, but I have no ability to combat it. I have receipts from this trip to demonstrate money lost because of non-consensual currency exchanges. But I have no recourse against my own credit card bank, because it is not responsible for the device software. I have no recourse against the credit service provider ( e.g., XXXX ), because I am not in privity with the provider. Only CFPB action can put an end to this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Medical) with Credit Services of Oregon, Inc. (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a copy of a writ of garnishment from XXXX XXXX XXXX XXXX that was issued from CSO Financial. I had no idea that CSO financial had a judgment against me. A few days after receiving the copy from XXXX XXXX, I got a Validation Notice from CSO Financial, stating that I should dispute within 30 days and they would obtain copy of the judgment and if there was no dispute they would assume the debt was vaild. A few days after that, within the 30 days, I received a Writ of Garnishment from CSO Financial, which states I can not dispute the validty of the debt but can only challenge the Garnishment. 
I tried calling and so did my sister, who is an authorized user on my account and neither XXXX of us was ever actually able to speak to a person. It is my understanding that sending those XXXX different notices within the 30 days of each other is in violation of the FDCPA because it sends confusion to the least sophisticated consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credig report shows a hard inquiry for XX/2017 made by XXXX XXXX that i did not authorize. I do n't know who or what company that is. I did not authorize that. Please remove from all 3 credit bureaus. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit reporting () with EQUIFAX, INC. (AK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I Have opened multiple credit disputes with Equifax # XXXX, XXXX and XXXX and others for the creditor XXXX XXXX for charges {$5200.00}. Items have been reported under the credit collection names XXXX, XXXX XXXX XXXX XXXX and most recently XXXX. 
I am currently making payments thru XXXX in, XXXX XXXX XXXX XXXX, XXXX, WI XXXX account # XXXX phone XXXX XXXX ext XXXX. I have asked for an itemized statement from XXXX XXXX XXXX who refuse to give information saying that they only have collection orders for specific amounts which gives me no way to dispute the charges or to know if these charges are from XXXX XXXX, doctors, clinics or services rendered on the day I received service thru their emergency room or what the real balance is that I do owe. Therefore I have made payments according to items reflected on my Equifax Credit report. which has changed multiple times based on information that XXXX, state collection and XXXX is providing them yet not me. 
I have receipts of payments I made for {$590.00}, {$390.00}, {$340.00}. {$250.00}, {$90.00}, {$52.00}. In the last 2 months my balance on Equifax for state wide coll has changed from {$390.00}, to {$300.00} and most recently now {$330.00} and have advised XXXX I will not send any additional payments until I get something in writing that this is my final payment and instead XXXX XXXX charges are now added on instead. Also they refuse to remove items on my credit report as payments are made, I have to open a dispute with Equifax after each payment which takes 30 days for updates to my credit file with Equifax. even though I have made them aware of this practice. When I began making payments to XXXX XXXX XXXX, also collector for XXXX, under the name XXXX, I made payment according to what was reflected on my credit, yet XXXX advised Equifax of additional charges saying that balance Equifax reported on my report was wrong and the balance was then adjusted and Equifax allowed then to add more charges. Most recently, Equifax as of XXXX has allowed XXXX to report the same {$5200.00} for XXXX XXXX, XXXX lump sum, again. They also added the tag charges disputed by consumer? I had no knowledge of who XXXX XXXX was until I checked my credit report on XXXX XXXX. I have also disputed the charges for XXXX XXXX with XXXX under the name of XXXX and XXXX and XXXX removed these charges because XXXX can not prove the charges nor able to itemize charges for this total amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have had multiple inquiries in recent days about my bank account ( seeking login info ) and XXXX-XXXX credit card issuing inquiries. All were fraudulent. Experian credit bureau is working on this with me. In looking at the Experian credit report I found several addresses listed that are not mine. Experian tells me these addresses were either from credit card inquiries or actual credit cards issued in my name. The fraud used my social security number ( and perhaps other info ). At least XXXX card is still active with my name and fraudulent address. It is not my card ; I never requested it ; I have never used the card. I filed a fraud alert on all XXXX credit bureaus. This week I have had three separate calls from credit bureaus alerting me to fraudulent use of my name and information.

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 08-02-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been entered into PSLF and began making payments from XX/XX/XXXX since today without missing payments ( all of my payments have been on auto debit ). My loan was transferred to XXXX different servicers since I began repayment. Somebody along the way changed my in school date from XX/XX/XXXX ( when I graduated ) to XX/XX/XXXX ( when I had already made a year of payments ). Due to this, a year of payments have been discounted from my PSLF. I called XXXX and they said they can not fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2017 about Credit reporting () with Alliance Data Card Services (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I never applied for this and it is not mine never applied for PayPal credit

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AZ).
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: My wife and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with chase who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with chase will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and life.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to explain to the SLS Mortgage company that I do not need to pay escrow on my mortgage payment. I pay my insurance separately and my home is tax exempt as a " parsonage '' to the church. So I simply started paying my mortgage payment minus the escrow amount. So now this company consistently takes the escrow out of my mortgage payment anyway which is causing my payment to show up as late or a " partial '' pmt. Yet the escrow balance is very high!! From the very beginning I have been trying to get someone to listen to me and understand my situation buy NO ONE will!! They asked me to send a written request to remove the escrow payment with proof of the above situation, which I did, but then they refused me and will not do as I ask and turned down my request with a totally unsubstantiated reason for doing so! This has caused my credit rating to be greatly reduced and now I am not even able to try and re-finance my home with a different company because they have ruined my credit rating unnecessarily!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Last month, XXXX XXXXXXXX XXXX XXXX reported : " ... Citigroup announced that it would issue refunds to some 1.75 million credit cardholders who had been charged interest rates that were too high. '' It was also reported that, " Citi said it had erred in how it calculated to reduce penalty rates for customers after they had demonstrated a track record of six months worth of on-time payments. This is mandated by the CARD Act, a piece of legislation introduced almost a decade ago aimed at protecting bank customers. '' Also reported, " 'While we believed our methodology was sound, a periodic internal review identified potential flaws in the methodology, ' a Citi spokeswoman said in a statement. 'We informed our regulators, revised our methodology going forward and conducted a comprehensive review of our process '. She added that the bank found no evidence of employee misconduct but that it 'should have identified these issues sooner. ' '' Ive been a Citi Diamond Preferred Card holder since XXXX. Ive NEVER missed a payment, usually pay more than the minimum due, and have a credit rating above 750. My interest rate : 29.99 %. ( I was told that my introductory interest rate had been increased years prior because I had made a cash advance.  ) I have REQUESTED and received interest rate reductions twice since XXXX. When I requested the reduction last year, I was told I would receive it for six months after which Id have to wait six months to request the reduction again.

I believe that CITI has a stated policy that the customer could receive a lower rate for six months, after which the customer has to wait six months to again request a lower rate. This is a bit different from what the Citi spokeswoman said in the newspaper article.

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 03-10-2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (CO).
Issue: Managing the loan or lease

Complaint: Nissan Motor Acceptance Corporation is refusing to provide a copy of the lien release documentation. The account was paid in full XX/XX/XXXX and as of this date I do not have the proper documentation to be able to get clean title in Colorado. The documentation was sent to the wrong state XXXX and I am now unable to get title to my vehicle in the state in which the vehicle is registered. NMAC has known about our change of address and state change since fall XXXX, but they did not update their records or advise that we needed to do anything different to update the title information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (TX).
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: This credit inquiry was not authorized by me. Please validate this inquiry. My social security number was included in the security breach.

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 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is another complaint filed. This is ridiculous, no verification has ever been received from this company but they stated they have. Furnish then through the CFPB. The prior complaint stated the following which my complaint is valid and NOT nuisance Case number : XXXX Status Response disputed Rent Recovery Solutions said : Explanation of closure This is a nuisance complaint. 
Response The debt is valid and consists largely of unpaid rent. We are in possession of documents from our client substantiating the debt.

Company response to consumer: Closed with explanation