milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Related case XXXX have forwarded a letter from XXXX XXXX XXXX XXXX confirming that they have closed their file on this trade line and have sent it equifax via certified mail. 

I have not seen this item removed or gotten any form of proper notice of investigation status or results.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I always watch my account via on line to make sure I am not spending more than I have. Well I looked at my account one day and it told me I had XXXX AVAILABLE balance. So I went ahead and used the XXXX AVAILABLE balance. Turns out that was n't a TRUE available balance and little charges of a few dollars here and there caused US Bank to overdraft me and charge me XXXX in over draft fees. They then started to charge me XXXX every 7 days my account is over drawn. I feel like should not be allowed. This is absolutely absurd. This has been going on for about two weeks now and the bank wont reverse any fees

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 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (OR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On XX/XX/XXXX I applied for a TJX Rewards Card. The application was denied by XXXX XXXX, Creditor. I received the written explanation on XX/XX/XXXX which stated that the decision was based on XXXX reporting " applicant is deceased ''. I complained to you about this XXXX and XXXX  responded that they did not deny me credit and they have no record of my being deceased. I then obtained my full credit report from XXXX   which in fact, shows no credit denial, no deceased and no problem. I have called and written Synchrony with no results. I request your help in having these " errors '' corrected. Their wrongful credit denial caused me a great deal of public embarasment, a 10 % cash discount and future benefits associated with the reward card. There should be a penalty for their sloppiness, and poor attitude. They make no effort to correct the lies.

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  XXXX   XXXX   XXXX   to pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it a s Paid,  was a charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In Experian report, it is stated a s FP ( Fail to Pay ) as  of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to Experian.   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced b y credit score b y  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason Experian took such action was because I express dissatisfaction with how Experian was handing my credit investigation with  XXXX   XXXX   XXXX  . The Experian are punishing consumer who exercise there right to ask for fair credit report treatment

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 02/23/2018 about Debt collection (Federal student loan debt) with NELNET, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I submitted a loan discharge application to nelnet on XX/XX/18. I have an email confirmation they received the application. However, I have received no additional response back other than them providing me a hardship deferment. I previously mailed documents to them per the department of education and apparently they never got them, but reported negatively on my credit report. I told the dept of education they don't listen and they have my payments too high. I discussed a criminal record with the department of education and was told about the loan discharge paperwork. I was advised to send the paperwork to nelnet. When I called nelnet they denied knowing what it was and told me it was not then that handles it. And that I needed to reach back out to the dept of education. Everything in the dept of education site states it should go to your loan servicer who is nelnet. I emailed the documents and uploaded them in my account for review. I feel like I am being ignored yet again. I want to know this is seriously being reviewed. This last representative told me I could upload documents to my account as I do not go on the site because it never recognizes my password and I have to reset it everytime. This becomes very annoying. This time I uploaded the application to prevent them saying they didn't get it and I emailed it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Insurance has put a charge on my credit for a debt that I do not owe. I called them before to ask for a quote before but i have not had insurance thru them. When I call to try to get info for them to verify this debt that i suppose to owe, they suppose to mail me something and I have n't seen anything yet but they reported it on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I just got foreclosure sale date notice today for  XXXX   XXXX   XXXX  by certified mail while in the modification proce ss. Ocwen Loan Servicing keeps violating the law over and over again. My California Home Owner Bill of Rights.The attempts to wrongfully   foreclose on my home. The foreclosure notice which states that    XXXX  is the foreclosing party. In California  XXXX  can not foreclose by law. VOID! VOID! VOID! CALIFORNIA STATE SUPREME COURT RULING  XXXX   XXXX   XXXX . How many more times is Ocwen going to keep breaking the law. It is a crime. FRAUD. People go to prison for commiting FRAUD. But not the PRESIDENT AND CEO and of them that commit FRAUD AND THEFT a t Ocwen. All the fines Ocwen  has received from different California agencys has not stopp ed Ocwen from this wa y of doing business. It must STOP NOW. Ocwen is currently under investigation with CALIFORN IA FINANCIAL PROTECTION BUREAU AND   OTHER AGENCYS. Ov er 1000 law  suits going on right now against them. Al so Class Action Law s uits.   I am a victim of Ocwens behavior and it must stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (ME).
Issue: Taking out the loan or lease

Complaint: US Bank is charging a fee to lessees, in the amount of {$1500.00}, if the consumer elects to exercise their purchase option through a dealer, not directly through US Bank, at the end of their lease. This fee is not disclosed on the Lease contract. The contract does disclose a purchase option fee of {$350.00} which is calculated into the purchase option price. US Bank was a primary lease provider for XXXX for approximately 4 years which exposes many consumers to this extra, hidden fee. I have attached a scan of a contract which does not disclose either the fee or the fact that the consumer can not exercise their purchase option at a local dealer. Circled are the sections related to the end of term purchase. I have contacted the State of Maine Bureau of Consumer Credit Protection who directed me to contact CFPB since US Bank is a federally regulated bank. I hope you can help the many consumers who are currently nearing the end of term on their current US Bank leases.

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 05/18/2015 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Deposits and withdrawals

Complaint: XXXX of my Navy Federal Credit Union credit card payments was past due and I was locked out of all account services online and on the app. I was only given a prompt to pay the bill. I paid the bill but was still locked out of all services because it takes several days to process credit card payments. I was unable to see my balance or perform any other actions. I then called Navy Federal and had to verify payment with them to unlock my account. I was only told that this was a normal part of the system. 

I understand why it happened, but the fact that it takes several days to process payment means that the system is impractical and potentially harmful as it is now.

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 10-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Customer service / Customer relations

Complaint: American express platinum Credit card services. 
I attempted to use my Member rewards points ( XXXX ) to purchase gift cards totaling the amount of {$1000.00} on XXXX/XXXX/16. Account was frozen and told to call into CS. The agent explained that my account had been flagged for review. I told her that it was a time sensitive purchase. The American Express Agent then advised me to make the purchase of {$1000.00} using my credit card, and that when my MR points were unfrozen, they could be used to pay the balance. I did as advised by the Amex employee. I attempted to call in about my points over the next month with no help. Finally a letter stating that my points had be retracted due to a prior similar card being opened. I called into CS and explained that i was told the previous card was different and i would receive a bonus on the new card due to it being a different category. I also stated that i had been misled by AMEX into making a large purchase to which i would be reimbursed for. Currently I 'm still with no help and i feel like amex has committed fraud and mislead me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Debt collection (Medical debt) with Credit Counsel, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recieved a letter in the mail from Credit Counsel Inc. debt collector. When i asked for verification they sent a form which also had my diagnosis on it as well which I know is a HIPPA violation and they were not suppose to have that information. The information was sent to the from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX sc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: I am currently late on a credit card due to an issue with changing checking accounts. Chase is calling my brother 's cell phone number regarding this and asking for me. My brother repeatedly asks them to stop calling and asks where they received the phone number, and they stated first, " it is the number on the account. '' ( It is not. ) Secondly, when my brother says that is not true, they finally said " We received it from a third party website to receive a relatives number. '' In addition, they are calling from an UNKNOWN phone number. This harassment needs to stop asap.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: I have applied for a loan modification with Nationstar Mortgage several weeks ago and have since received on XXXX/XXXX/16 a letter dated XXXX/XXXX/16 letting me know what they are waiting on. 
I have enclosed the letter stating what they need, nothing from me but info from other parties. Since I have applied Nationstar has recorded a " NOTCE of DEFAULT '' and a SALE DATE of XX/XX/2016, this is " DUAL TRACKING ''., which is a violation of the recently-enacted HOME OWNERS BILL of RIGHTS, civil code 2923.6 ( c ), which prohibits a lender from recording a " NOTICE of DEFAULT '' or " NOTICE of SALE '' or conducting a Trustee Sale while a Loan Modification is under consideration. I am being indindated with phone calls, letters and home visit by parties wanting to buy my home due to the NOTICE of DEFAULT being recorded at the county, this has to stop. Until I receive a letter of approval or denial on my loan modification I should not have to be stressed out from the illegal dealings of Nationstar Mortgage. CFPB get on your job because I know you are aware of this " DUAL TRACKING '' especially by NATIONSTAR Mortgage who has been under severe scrutiny by the Mortgage industry. I am so tired of what these crooked mortgage companies can get away with eith just a slap on the wrist. I will fight Nationstar from stealing my home even if it takes me to my grave!

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: While traveling overseas, I was given a drink that was spiked with a drug that made me unconscious for several hours. During this time my wallet was stolen, a merchant initiated fraudulent transactions totaling over {$20000.00} across every credit card in my wallet, then after I had awoken ( and not realized I was unconscious ) my wallet was returned to me as " found ''. I did not realize these charges were made until I saw fraud alerts on my phone the next morning. 

I have attempted to resolve the issue with Chase multiple times and they have rejected my case and declared " You received benefit from this transaction '' This is false. 

I have tried to contact them multiple times and have been told someone will contact me within 24-48 hours and no one ever does.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We are very disappointed with the outcome of our complaint to your office ( complaint number XXXX ). We know now, we were victims of a predatory loan. The people who worked at XXXX XXXX XXXX XXXX in XXXX, PA, the office that prepared our refinancing in XXXX, were XXXX for fraudulently inflate mortgages. ( please read the article we found XXXX : XXXX ). We were unaware of this until many years later after our home went into foreclosure. We have also discovered the company they worked with XXXX XXXX ( whose name is on many of our refinance papers ) were also involved in the scheme. ( please read this article : XXXX : XXXX ). 

Also, our mortgage company now Ocwen, who took over our mortgage from GMAC, say our modified mortgage is not from the HAMP program which is not what we were led to believe. When we signed for the modified mortgage, we were told it is part of HAMP and we even wrote a letter to thank President Obama and we received a nice reply from him. 

Needless to say, we are very disappointed you did not follow up on our complaint as of this date. We are still underwater on our mortgage. Our modified mortgage is a principal of around XXXX but at the end of our 30 years we will still owe another $ 90,000+ which is so unfair. We will not rest until this is resolved. 

Sincerely, XXXX and XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (IN).
Issue: Deposits and withdrawals

Complaint: Did n't withdraw money from my account

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Auto debt) with Heritage Financial Group, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company name : Heritage Corporation XXXX XXXX XXXX XXXX, XXXX, IN XXXX Phone : XXXX XXXX This company has reported derogatory information to major Credit Bureaus on my behalf. Company claims that a debt of {$11000.00} is owed and has been charged off. i have written this company and requested for documentation to be provided to me of original contract and proof of my identity agreeing to such debt. In response this company represenative by the name of XXXX XXXX, replied to my letter stating she has no record of debt on file. this letter was recieved XXXXXXXXX2017. However, this company continues to report derogatory information into my credit file. <P/>I am asking that this company delete this inaccuracy out of my file after failing to supply me with any information that I have requested. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: I am a first time home buyer and am in the process of purchasing a home under FHA. I was suppose to close on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and Freedom Mortgage does not return my calls or emails. I am in fear I will loose my new home due to their neglect and lack of due diligence. I have submitted ALL items needed and this company is either toying with me or wants me to walk away as I have yet to close and they keep asking me for items I have already turned in. I have emails to back up all above statements. Also this home is only {$86000.00} with the buyer paying my closing costs, this is a great deal to start off my future for my daughter and I and its all at stake because of this offices lack of business ethics. Please 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 06/28/2017 about Debt collection (Mortgage debt) with SUNTRUST BANKS, INC. (CO).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Sun Trust called me at XXXX for the purpose of collecting on a mortgage debt. It is very disruptive and extremely inconsiderate to be called that early in the morning. Further, this is a new mortgage transfer that gives me 60 days to make the payment and I have another 32 days to make the payment yet I have been repeatedly contacted. I have attached a picture of the phone called received by Sun Trust at 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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My Experian Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them. My Experian Credit Report also shows a Bankruptcy and a XXXX XXXX that is not mine. They refuse to remove these items. Please contact Experian to remove these items.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from my credit report immediately.

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 06-09-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Account was disputed multiple times and validated as correct, I then sent IRS XXXX showing their report was incorrect and they finally corrected. They are now reporting the old information and again have stated they validated as correct even though I have provided proof the account has been settled and has a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The credit report have the wrong name. address and phone number on my credit report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX De XXXX and phone number is XXXX. The other information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I dusputed a collection on my credit report that they allowed to be added back on. Claims it was from 2010 but had been removed and the credit agency refuses to remove it which is against the law as they can not keep changing the reporting date to keep it active on the credit report

Company response to consumer: Closed with explanation