milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with Home Loan Center, Inc. (MA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, I went on the website LendingTree.com to search for a refinance of our current mortgage. In the questions I was asked if we had filed a bankruptcy in the previous 7 years. I answered yes, and that it was more than 6 years prior. 

Within a few moments, I received a call from a XXXX XXXX of XXXX. Initially the conversation was quite productive. I disclosed that in the XXXX bankruptcy, we surrendered a property which had a mortgage through XXXX XXXX XXXX. I explained that XXXX XXXX XXXX has refused to take title back despite our efforts. 

In a subsequent email, XXXX . XXXX quoted an unnamed manager who said that there was " zero chance '' we still had title to the property, and insinuated we were lying. XXXX XXXX then refused to proceed with the application process. 

This scenario is a common XXXX, and well known to bankruptcy lawyers. There is no legal way to compel a lender to take back title and/or force them to release the lien. Properties become like zombies- not really alive, but not dead either. Debtors ca n't get them out of their names. I provided evidence of this by pointing to a memorandum issued by a bankruptcy judge. I also provided a copy of XXXX guidelines showing that lenders are supposed to verify the information and, once verified, go by the bankruptcy date. 

XXXX XXXX XXXX, XXXX, and Lending Tree Inc simply do not have the right to be arbitrary and capricious in pre-judging loan applications. They have a duty to their investors and XXXX to investigate applications, but they also have a moral and legal duty to make sure applicants such as us are treated fairly and ethically. A government insured mortgage was an option that XXXX . XXXX could have pursued. By failing to do so, he effectively denied us a right to due process. 

We did not want to file for bankruptcy in XXXX. However it was necessitated by my total XXXX. We have managed our financial affairs quite well, and now have credit scores above XXXX. There is no reason for XXXX and Lending Tree to refuse to take our application.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I would like to file complaint against Equifax , XXXX, XXXX on the improper information Serious Delinquency. The oldest account it may back to XX/XX/XXXX. From XX/XX/XXXX to Present, all accounts pay on time. How can it be Serious Delinquency? This is really unacceptable and unfair. This has to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: After carefully reviewing my credit report for inaccuracies I noticed several and contacted   XXXX   via Postal Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report. Telling me that they will no longer investigate my complaint and to contact the original creditor. Which I have still have no validation of these debts. Four months later I still have no method of verification for the following items   XXXX   XXXX   #  XXXX ,   XXXX   XXXX   #  XXXX ,   XXXX   XXXX   #  XXXX .  XXXX  needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Billing disputes

Complaint: Hello, I had a Walmart credit card account open in XXXX and paid it in full in XXXX XXXX for the amount of {$1400.00}. I recently received a bill from the creditor with a opened balance of XXXX. I called Synchrony Bank and they researched my account and stated that my account was paid in full and a new balance show up on XXXX XXXX. I stated to them how could I have a balance when my account been closed since XXXX and paid off XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: Been verified took {$1.00} from my account I immediately phoned my bank CHASE to let them know the transaction was not accurate, my bank was able to retrieve the XXXX back fast forward 3 days later the same merchant has taken XXXX from my account I filed a claim but the money could not be replaced because the merchant says I have a service with them which I do not. 
I don't understand why my bank CHASE would allow this merchant to go into my account twice after I called about this merchant the first time. Chase banks does not protect your money and to wait on hold to speak to nonchalant workers for a half hour at a time has been a complete waste of time and headache. Been verified is a scam well doing research on the company they have free trails so how was my card charged twice?! I have never agreed on there website for any monthly subscription besides what monthly subscription charges you 3 days later. This whole situation doesn't make any sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This item shown on my personal credit report by your office XXXX County Public Records, Docket # XXXX, XXXX XXXX, XXXX, AL XXXX ( XXXX ) XXXX, is inaccurate. Because based on Alabama Tax Code and the decision by Alabama Department of Revenue, I was not an Alabama resident XX/XX/XXXX, and I shall not be liable for any Alabama State Personal Income Tax. 

The tax lien order was formally rescinded by the State of Alabama Department of Revenue on XXXX/XXXX/XXXX with the issuance of Taxpayer Assistance Order. Although the status of lien later changed to release of tax lien on XXXX/XXXX/XXXX, however it should be changed to deleted or formerly erroneously reported lien and now cancelled, according to all three national credit bureaus, this incorrectly reported tax lien record shown as released will stay on my personal credit report for at least 7 years. Due to this tax lien record, my credit score was at XXXX before but currently dived to XXXX level. 

I have contacted the credit bureau and corresponding parties many times, requested for removal of this tax lien before, however, this incorrect Tax lien item still has not been removed, this time I am writing this matter to CFPB and hoping you can help to take a further look into this matter and correct the incorrectly reported record. 

The credit bureau office reported the Tax lien was released was incorrect, the Department of Revenue clearly stated in its " Taxpayer Assistance Order TAO # XXXX '' Dated XXXX/XXXX/XXXX ( COPY attached ) and also its " Alabama Income Tax Final Assessment and Lien for XX/XX/XXXX '' Dated XXXX/XXXX/XXXX ( See attached ), " the XXXX income tax assessment filed against you was incorrect ... ... ..that you were not an Alabama resident for the XXXX tax year, consequently, a TAO, rescinded the XX/XX/XXXX income tax final assessment entered XXXX XXXX, XXXX ... .... '' The final assessment further stated " Please do not interpret that the Department released the lien due to payment. The Department 's Taxpayer Assistance Order rescinded the original final assessment for the XXXX tax period and your credit record should be corrected to reflect that fact. " Based on all above, I am requesting that the released Tax Lien shall be removed to in order to show the general public correct information on my personal credit report. Enclosed are copies of " Alabama Income Tax Final Assessment and Lien for year XXXX CSD Case # XXXX '' and " Taxpayer Assistance Order '' supporting my position. Please help to investigate this matter.

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

Complaint: I was filing for my credit report and they started asking incorrect information about me. It stated I had mortgage loans being open around XXXX XXXX, Retail cards being opened around XXXX XXXX & a bank card being opened around XXXX XXXX and all of that is false.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have n't tried paying my loan back due to financial hard ship. Also the school i attended in XXXX fl. XXXX for XXXX was closed.due to false practices which i was told. I feel i should not have to pay back my student loan because after graduating in 2009 i was never ever abale to receive my Diploma. Then i was told my Diploma is not longer valid because the school has been sued. I need to go back to school and start the process from scratch. I feel if thats the case i shouldnt have to REPAY NAVENT any help would be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12/31/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Problem with additional add-on products or services

Complaint: Denied full access to account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (OR).
Issue: Trouble during payment process

Complaint: everbank claims my escrow account is XXXX short for this coming year.
they are proposing  to raise my escrow by XXXX per month and an additional XXXX
on addition to the XXXX.
THIS IS NOT NECESSARY.   SOLUTION:
simply increase monthly excrow to XXXX
this will ;eave more than enough to pay taxes in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am REQUESTING that Trans Union address the information that they are recording on my credit. 
public record XXXX provide information showing this account date file and stautes is correct information. Delete information XXXX / provide validate of this account with last date of payment and when this account went into collection on my credit report it states no payment history so who can it be a valid open collection / delete information XXXX Collection account XXXX no payment history to complete that fact of it being a collection account when did this account go into collection Trans union is not reporting a full accurate account detail / DELETE VIOLATION OF THE FCRA XXXX reporting unverified information verify when this XXXXaccount was open and placed for collection. Trans Union DElete information Violating THE FCRA XXXX DELETE ACCOUNT NUMBERS XXXX XXXX OUTDATED ACCOUNT OPEN 1987 DELETE REMOVE ADDRESS LISTED XXXX GA 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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 paid off a collection account in the amount of {$3000.00} on XXXX/XXXX/XXXX. On XXXX XXXX I noticed Equifax was still reporting a balanced owed of {$3000.00}. I submitted a dispute through Equifax. The investigation resulted in the creditor agreeing the account should be deleted from my credit report. I was told it could take up to 30 days for it to be removed. In XXXX, I viewed my credit report again and the balance/account was still included in my credit report. I called Equifax and they said I had to dispute again and that the creditor was responsible for reporting the update to Equifax. I called the creditor, XXXX XXXX, and they informed me they had reported it paid to Equifax. XXXX claimed they never received the data. According to the resolution provided by Equifax on XXXX/XXXX/XXXX, the item in question was to be deleted from my credit file, the same result as the initial dispute. However, the item is still shown on my credit report. 

To date, this item still shows on my credit report. I reached out to Equifax again today and was told I would have to file another dispute. I called XXXX XXXX and they informed me they have reported the balance paid in full to Equifax once a week for the past two months.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OR).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I placed a complaint here on XXXX XXXX, XXXX about US bank closed my checking account and my two savings accounts on XXXX XXXX, XXXX, today XXXX XXXX I have n't received the checks from my two savings accounts. 
complaint ID XXXX. 
Today 's complaint is that with no reason US bank credit card mailed me two letters on XXXX XXXX advising me that they will also close my two credit cards that I have with them 12 years ago and 3 years ago. I have called and let messages to the account 's manager and number on my letters but not answer any of my calls. 
On XXXX XXXX US bank credit card sent me an email with an offer because my good standing on my credit cards and they increased my line of credit in XXXX dollars more for a total of XXXX in on credit card and XXXX in my second card. 
Today as every Friday since XXXX XXXX I went back to XXXX XXXX to ask about my money from my savings and they told me that my two credit cards are closed now since yesterday. 
This closure have to be related to my previous complaint and it is impacting me tremendous because I care a lot for my credit score, my two credit cards were in good standing and with a 100 % on time payments, As we can see US bank has personnel doing a really bad job and are destroying Loyalty customer like I am, I was really happy with US bank because the fixed my credit when I needed and they also gave me my car title before I even paid it because for my good credit they offered me an unsecure loan and I gain may car. 
Today I am frustrated, no answer in the branch and it will cost me time to fix my credit score again. 
I did and give my information when the bank needed the probe are attached.

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 12/21/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I went into a wells fargo bank branch on Friday XXXX/XXXX/16 to open another savings account. I was told there was something stopping me from doing that. After many hours of in person and phone contacts I was told that there was something stopping them from opening the account, perhaps a life lock freeze or credit bureau freeze and I needed to contact XXXX and XXXX which I did. They all said the same thing that I had a 7 year warning due to prior identity theft and I should be contacted at the correct phone number to ensure that it was me asking for credit or opening an account. I have had no luck getting wells fargo to understand this and am extremely frustrated. They seem to keep blaming me for putting a freeze on my finances that I have not done and seem incapable of fixing the problem. Ironic given that they are in so much trouble for opening accounts without peoples permission that they wo n't open the account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: Went through a loan modification in XXXX with XXXX XXXX Loans. My husband had a XXXX XXXX XXXX and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XX/XX/XXXX was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate

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 02-01-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I had two loan accounts with XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX P.A. One Loan for $XXXX and the other for $XXXX. Interest rates each loan is 5.875%.6 years later my balances are $XXXX and $XXXX. Total interest paid $XXXX and total principle paid $XXXX.I have paid more in interest than my principal balance. If you do the math that's a 57.55% interest rate not 5.875%. Over the course of their entire repayment plan that they suck you into you pay back $XXXX  just in interest!!!! Out of a loan that was for $XXXX, how is that even legal? This is fraud. It is not 5.875% interest rates. They wont let you make any additional payments, they wont let you change it to the way you want. It is designed for one thing, to make the COMPANY rich of interest that they falsely prey on you.If the interest was actually 5.875% then over the course of repayment it would be $XXXX  and make the total repayment at $XXXX.Please, this company is preying on college students and committing illegal acts on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Their was a Derogatory Remark about a Collection put onto my credit report with all   XXXX   credit reporting agencies. The remark indicates that I owe  XXXX  {$3800.00} and this account is now in collections.   - I have never had an account opened with  XXXX , and there is no credit account open on my credit report with  XXXX .   - I have also never been contacted by the collection agency, Convergent Outsourcing, about this or any other collection.

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 06/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Citi cards di spute case number Case ID :  XXXX , first I filed dispute because I have n't received ordered merchandise, after receiving it City cards reversed the credit but I was not happy with the quality since I received completely different product that was ordered so I shipped it back. Since then I have been trying to contact citi cards and merchant to get my money back for the return without success. City bank closed the case stating they never received return tracking number, but it 's not true. I emailed and faxed it over multiple times.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have a new mortgage that has not reported to my credit report. I have made 3 monthly payments and about to make a XXXX payment on 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 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted XXXX XXXX in order to pay off an outstanding balance on a credit card that had been charged off and was instructed to work with XXXX XXXX 's attorney. I spoke with them and they offered to settle the account and mark it as paid on my credit report and remove an associated judgement. I made the payment and now they are not changing the balance owed on my credit report. I have the offer letter and a copy of my receipt so the balance should be changed to {$0.00} and the utilization percentage on my credit report should also be changed to {$0.00}. I disputed the amount on my credit report and they reported that the balance is correct, which is untrue. I believe their actions are at least unethical, if not illegal.

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