milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a HAMP loan modification in either XX/XX/XXXX or XX/XX/XXXX. The reason for the request for loan assistance was due to the fact my husband XXXX in XX/XX/XXXX leaving me and my XXXX young children with no life insurance. We were unprepared for his XXXX. 
After this event I want to keep my children in as stable environment as possible. 
I put in my package to US Bank ( XXXX ). I stayed in touch with him, provided all documents requested and was told the file was complete. 
In XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ) saying we were thrown out of loan mitigation saying I owed the following items : 1. a business tax return for a business only my XXXX husband was involved with. They claimed portions of the business tax return were not included. I sent the full return. including all items they claim I did not send. Clearly they got the return, I have proof. 
This request for my XXXX husband 's return is irrelevant to my loan. 
modification requests. I am not currently nor was I ever a participant in his business. 
2. They requested my pay stubs. I provided this multiple times. XXXX confirmed receipt as well as profit and loss statements, bank statements and any other documents they needed to review my request. 
They continue to stonewall me. I originally filed a complaint with the CFPB on XX/XX/XXXX. US Bank threw me out and denied my request even while the complaint with your agency is active.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (ND).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I signed up for the American Express Platinum card back in XX/XX/XXXX and was approved. The reason for getting this card was for a airline trip in the spring ( I was going to use miles that I acquired with this offer ) The offer was for XXXX miles after {$3000.00} was spent + {$100.00} statement credit after booking a flight online. I met this obligation on XX/XX/17 for the miles and XX/XX/2017 for the {$100.00} statement credit. The terms stated that I would receive the miles 6 to 8 weeks after meeting the {$3000.00} threshold. It is now in the 10th week and I have not received anything. I have chatted with 3 different representatives from American Express and all I am told is they will launch an investigation and this will take 6 to 8 more weeks. This is unacceptable. How hard is it to see that I met my {$3000.00} goal and to give me my XXXX miles. I had to spend {$3000.00} within 3 months of opening the card, I did it in 3 weeks. The mileage credit was supposed to be credited 8 to 12 weeks after my first delta credit, it is 12 weeks today and I have still not received my credit. American Express could easily credit this but they fail to so. This is why I am turning to you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have a loan agreement with the loan compan y Navient.  Recently I was contacted by a company, I now know to be fake, to pay a total of {$690.00}, that was to be broken dow n into three payments over three months. These payments were supposed to go toward my debt and ente r me into a program for my debt to be forgiven. I was told they needed my bank account information to begin the application process, and that if I did n't get into this program my wages would be garnished. I called Navient this month to tell them I could not afford the payment and was informed that I do not have any payments scheduled and was advised to call an  XXXX  number. I was given a number to call back if i had any questions. I called that number today and it was the number for  XXXX   XXXX  which is a debt collection agency for  XXXX   XXXX   XXXX , and the extension number I was given does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: XXXX XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX is NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with AFNI INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: this company is reporting to credit companys with no legal right to do so, i have no contract or agreement to pay with this company or entity there of, i have attemted to contact this company numerous times to no end, they have refused to remove the account from my credit report while not proving they had any right to report in the first place. as for XXXX to whom the original debt was owed they have sold and closed the debt and my personal information to a 3rd party without my permission and closed the account and have not made any reports to my credit so there should be nothing on my credit in that regard. dates on my report by AFNI XXXX XXXX XXXX XXXX IL XXXX on date XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Using a debit or ATM card

Complaint: I purchased XXXX ( XXXX ) tickets online via the XXXX ( XXXX ) for the XXXX XXXX performance at the XXXX XXXX , Sunday, XXXX XXXX ( XXXX show ). The tickets selected via the online site were XXXX ( floor ) seats ( {$140.00} each ). The secondary marketer ( XXXX XXXX XXXX XXXX ) fraudulently switched the seats to the XXXX section ( {$89.00} per ticket ) a lesser quality/priced seat. My wife and my experience was ruined. We spent half the performance discussing this matter with the XXXX XXXX XXXX XXXX trying to resolve it.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have been unable to have my credit report expunged of information pertaining to my personal bankruptcy. Both Transunion and  XXXX  have been unfairly intransigent, while  XXXX  has increased my  credit score to "  Very Good ''.     According to the Fair Credit Reporting Act, " The fact that you filed for bankruptcy can be reported fo r up to ten years. While it may se em like negative information, the reporting of your bankruptcy discharge might not necessarily be a bad thing. A bankruptcy discharge can clean up debts that used to show up on your credit report as being delinquent. That is because debts that wer e discharged can no longer be reported as being unpaid or in a past due status. CRAs and your creditors should report each discharged debt as : having a   XXXX   balanc e, anddischarged, included in bankruptcy, or similar language.     While the FCRA does not directly address how individua l discharged debts must be reported, to report a discharged debt as something else  ( for example, " charged off '' or having a balance as more than  XXXX  ) would violate the provision of the FCRA that requires furnishers ( that is, creditors or  collectors that report to the credit reporting agencies ) from reporting incorrect information. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) .

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 04-12-2017 about Debt collection (I do not know) with Chaplain Financial Services LLC (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Caller did not ask to speak to anyone. Said they were Process serves and if I did not call back immediately, they would send some one to my work place and serve my Human Resources personnel. 

I call back and they were looking for someone else. 

Company said they were Chaplain Financial and phone # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JH Portfolio Debt Equities, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On several occasions I have disputed the XXXX XXXX XXXX account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. XXXX deleted this account in XX/XX/XXXX. This account has reappeared on my credit report XX/XX/XXXX. I disputed this account with JH Portfolio and they have responded with the following : XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company responded Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as JH Portfolio Debt Equities , LLC 's ( " JH '' ) response to same. As stated in our response for case # XXXX, JH deleted the tradelines for the account in question in XX/XX/XXXX. JH reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, XXXX, & XXXX. JH utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, JH will submit a second " XXXX '' ( XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal. 

I submitted the above information to XXXX on XX/XX/XXXX.  On XX/XX/XXXX XXXX responded stating At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 

It is extremely hard for me to believe that XXXX XXXX is continuing to verify inaccurate information that continues to tarnish my credit file.I also find it hard to understand how XXXX has verified this as accurate if per XXXX XXXX this is to be deleted. This back and forth has been going on for over months.

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 09-10-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SUNTRUST BANKS, INC. (AL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Suntrust has denied me my home equity line of credit. I have been on time with my Mortgage since XXXX with no late payments. My annual income is XXXX. I do n't know why they wo n't let me have my home equity line of credit. I am XXXX XXXX XXXX, which i 'm around the right age to get my home equity line of credit and to have my house paid off to where I can have more of my income each month.

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 07/14/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Payoff process

Complaint: I received a letter from debt collection agency that I owe Macy 's $ XXXXI contacted Macy 's and found out that they did not have my address and phone number. 
When I created the Macy 's credit card, I provided all the information. 
Yet the information is never entered. They encourage customers to open a credit card account to receive discounts. 
They told me to wait for the bill since the balance will be different because of the discount. 
I never received and soon forgot the bill. 
Initially the balance was {$99.00} and now it is ballooned to $ XXXXIf I had been notified, I would have done something. 
What is interesting is the debt collection agency knows my address. 
I wonder why Macy 's did not send anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Student loan (Federal student loan servicing) with National Credit Services, Inc. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In 1993 I took a student loan out ... i had to repay XXXX. After growing up and having a family the student loan was at the end of my list to worry about. It's been in forbearance and what not off and on ... made payments for a couple of years here and there. 
Now 25 yrs later I owe XXXX. That's XXXX in fees and interest. I feel this is very wrong. I can't get a hold of anyone to talk to about this. What happened to the payments I did make? Are you charging me a huge fee everytime it gets transferred? I want to see if I can get the XXXX in fees waived and pay my original balance. But when I call they hang up on me and vant tall to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX and Experian Credit reporting bureau continues to report inaccurate and outdated information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account that was added to my credit report fraudulently that does not belong to me and all 3 companies were made aware. The account is XXXX last reported XXXX XXXX and it says it was opened on XXXX says original creditor is XXXX and that {$1700.00} is owed. This account if fraud and does not belong to me and I want it removed at once. Police have been notified as I am a victim of identity theft for over 8 yrs now. Please enforce this account be removed as it is fraud and does n't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I went online to the Nationstar Mortgage to pay my monthly bill. Upon entering my login information and sending, I was then asked to enter not only my originating zip code but also my full Social Security Number before proceeding further. This is a terrible affront to online security and should be stopped immediately. There are other ways to verify a user 's information - this is not proper.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: My bank insists on allowing my privacy to be violated and treat me like I 'm crazy when I bring it to their attention. Three accounts and an I.D . theft e.d.d account have all been grossly violated. No accuracy in statements and or amounts, and they continue to be non responsible for issues they have allowed. They also insisted on breaking apart my checks into " what they would allow me to have at once '' chunks??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: I am submitting this complaint after months of frustration dealing with Bank of America 's Line of Credit Division ( BA ). Despite numerous requests and clear evidence, provided by BA, I am unable to obtain accurate credit history of my Account, reported to XXXX, XXXX and XXXX. I am trying to refinance my mortgage and this inaccuracy is negatively impacting my credit score, which in turn negatively affects the interest rate ( higher rate ) I am able to obtain on the refinance, which in turn will result in paying substantially more money in interest charges. Attached is a file containing the following Exhibits:1. Exhibit A - BA letter dated XX/XX/XXXX stating that my Account was established in XX/XX/XXXX and there have been no late payments made on the Account2. Exhibit B - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating one 30 day late payment in XXXX XXXX. Exhibit C - BA letter dated XX/XX/XXXX, with the same information as the XXXX XXXX letter4. Exhibit D - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account and the unwillingness of BA to confirm that there are no late payments5. Exhibit E - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the unwillingness of BA to confirm that there are no late payments6. Exhibit F - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating that the Account is still being reported incorrectly7. Exhibit G - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating the Account has no payment history at all, which negatively affects my score since I have 48 months of perfect history not being factored into the score8. Exhibit H - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account ( no history and XXXX Accounts ) with a call into BA9. Exhibit I - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account with a call into BAThere seems to be no other way to get through to BA except filing this complaint through the CFPB. At this time I am asking that you request BA to immediate correct this error and to send written communication stating the correct history be reported immediately. I would also request that they place authorization on file to verbally confirm my pay history with XXXX XXXX, XXXX, XXXX and XXXX. I am not sure if you can levy fines or penalties for this type of behavior, but I would also like to see some type of fine levied on BA. 
Thank you for taking the time to review my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I was going through copy of credit report that was sent to me by TransUnion I noticed inaccuracies on my personal information. first was my last name was spelt wrongly. My last is spell XXXX noXXXX XXXX so need that to be change and I never used anywhere unless was sent to them wrongly so it needed to be correct to avoid identity theft. Next is Addresses, I never had post office box address so this XXXX XXXX XXXX, XXXX, GA XXXX need to be remove and also this XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX to be update to XXXX or removed because I never used just address and I finally telephone number XXXX XXXX XXXX never had this telephone number the only number I have and still do XXXX XXXX XXXX and I would like this XXXX XXXX XXXX to be remove in other to avoid identity. These are three items I found in my personal Information that needed to be removed or updated. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I 'm part of a class action suit that was won which Experian refuses to honor : I was supposed to get free credit scores and monitoring since at least XXXX. I will provide the case number and attorney info no later than next week. 

In the meantime, Experian has prevented Credit XXXX from getting my report and score. All info that I have provided to XXXX in XXXX has been exactly what I have given Experian when I obtained my free credit report today ( XXXX/XXXX/XXXX ). When I again tried CS today, they could not get my report or score. Additionally, Experian has listed a XXXX CARD ( XXXX .... ) account for {$440.00}. that appears to have been disputed back in XXXX XXXX XXXX 8 1/2 years ago? )

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