milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The following ( XXXX ) accounts are listed as " Open - Unknown '' when they should be listed as " Closed under Bankruptcy, Chapter XXXX '' :1. XXXX XXXX2. XXXX XXXX3. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I was granted trial payments for a loan modification in XX/XX/2016 I have made every payment on a monthly basis as indicated last payment on XX/XX/2016. I received notice that as of XX/XX/2016 I will no longer be in the loan modification program due to title issues. I have an attorney and we filed a claim against the person who put the fraud liens on my homes, the person defaulted. The problem arouse due to the company " XXXX '' hired to process the proof of service did due the service correctly as a result the case was rejected and I had to start over. I had him served again bay another company " XXXX '' in XX/XX/2016 and he defaulted and I had him served with notice to file default on XX/XX/2016. So now I need to wait 45 days before I can have the court order the default and damages. I have tried to make the mortgage payments in this month XX/XX/XXXX and they will not take the payments. I need more time to clear the title as described and I need to remain in the loan modification program. The reason it has taken so long is out of my control.

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: On XXXX/XXXX/XXXX I paid a collection account in full with the agency ( XXXX # XXXX XXXX. I faxed documentation in the form of a receipt on XXXX/XXXX/XXXX to XXXX in order to update my credit file. I was advised that the receipt and review would take 48-72 hours. Upon learning on XXXX/XXXX/XXXX that this information still was n't received or reviewed, I faxed it again on XXXX/XXXX/XXXX to the same fax # and to XXXX XXXX at XXXX. XXXX provided a formal paid in full letter on XXXX/XXXX/XXXX and I faxed this to the dispute fax # and XXXX XXXX on this same date. On XXXX/XXXX/XXXX my file was finally updated to a {$0.00} balance for the XXXX account but still indicated an open status. The rep advised that they would need to dispute this status and submitted it for investigation. On XXXX/XXXX/XXXX XXXX sent Equifax notification indicating that the account was indeed closed. On XXXX/XXXX/XXXX a supervisor, XXXX  ', indicated that they received the updated info on XXXX/XXXX/XXXX but that Equifax has 30 days to close an investigation. I asked how this makes sense when they have they have the documentation to update the status and he continued to parrot Equifax 's 30 day rule. He then cold transferred me to 'XXXX XXXX in Consumer Affairs who indicated the same thing and told me that 'I needed to wait '. I contacted a corporate switchboard operator that advised me to ask to speak to speak to a CA Manager and transferred me to the XXXX upon which time I asked to be transferred back to the U.S. I spoke with 'XXXX ' again who refused to transfer me to a Manager and stated, 'I 'm the highest level available '.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (OR).
Issue: Managing, opening, or closing account

Complaint: I purchased a {$500.00} load it pack for my paypower pre paid credit card on XXXX XXXX. With no prior notice to their customers they added a new level of security to their process called " safe ''. 
The program was not ready to be implemented with all of the issues they were having accessing the safe program. I purchased this card to pay XXXX bills that were due immediately so I closed my account with paypower and asked for a refund check for my {$500.00} reload it pack and still have not received my refund check as of XXXX XXXX, XXXX each time I call and speak with XXXX she assures me the check is on the way and the date comes and goes with no check. I feel I have been scammed by this company and just get lied to repeatedly. XXXX months is not acceptable time for a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I lost my job in 2012. I was denied unemployment and was unable to pay bills. I was able to borrow money for a time to pay my mortgage. As a result I got behind on my payments. When I could make a payment the mortgage company would not accept it as it did not cover the entire amount owed. However, they cashed the checks and retained the money but did not apply it to my account. I applied to the State of Michigan for help and when I was approved they contacted the mortgage company for amount owed and paid them. I was told by my rep from the mortgage company I would receive the cashed funds back as I was now caught up. I never received the funds and when I inquired with the mortgage company 's research department, as I was advised too, I was told the funds were used for additional cost. There should not have been any additional cost as the State of Michigan paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MA).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX I called Chase Auto Finance to make that current month payment and schedule the next months payment for XX/XX/XXXX. On XX/XX/XXXX I was alerted by a credit monitoring service that my payment was, in fact, not posted and I suddenly experienced a XXXX point drop in my credit report. Chase made zero attempt to contacy me during this period to alert me to a mistake. ( Which was theirs! ) History is a teacher, I have ZERO 30 day late payments in my report. I called on XX/XX/XXXX and was treated abusively by a customer service representive. I was told there was NO record of my conversation and I must be in " financial trouble '' He was extraordinarily abrasive and rude. I called again on XX/XX/XXXX and spoke to agents XXXX and XXXX ( ID # XXXX and XXXX respectively ) and was again told there was no record of my call. I am applying for a mortage in the next 60 days and this misstep in THEIR technology are going to cost me the ability to buy a home. I am asking for a full review of this and an adjustment to my credit report IMMEDIATELY. I am in an unfair fight as I have to just take thier word that their technology is perfect and without fault.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NH).
Issue: Trouble during payment process

Complaint: I called XXXX XXXX for a mortgage payoff for the property at XXXX XXXX XXXX, XXXX, NH, LOAN NUMBER XXXX. I was very firmly told to make the XXXX payment because Ditech was going to pay the real estate taxes. I told them I would wire them funds on XXXX XXXX XXXX. Their representative demanded I make the XXXX payment. It is XXXX XXXX XXXX, I do not have my escrow proceeds of {$1200.00} and I do not have my XXXX mortgage payment of {$1400.00}. XXXX XXXX did NOT pay my real estate taxes to the town of XXXX, NH. Ditech owes me {$2700.00}. I have spoken with XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and today, XXXX XXXX XXXX. XXXX XXXX maintains the United States Postal Service lost the two checks. I asked them to wire the funds and volunteered to pay the wire fee. Today XXXX XXXXXXXX said they could not wire me my money, and that they sent replacement checks on XXXX XXXX XXXX. I wired them the payoff funds per their request on XXXX XXXX XXXX. I want my money returned to me immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This following account is on my credit report from Equifax via XXXX and I have no knowledge of it. 

XXXX ACCT # XXXX {$64.00} I would like this erroneous information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (MO).
Issue: Managing the loan or lease

Complaint: I have a car lease with the finance company of Mercedes Benz. To collect the Missouri Property tax, M-B finance company sends a letter indicating you can pay by check or credit card. You must call the company to pay by credit card. When you call, M-B Financial tells you that you can not pay by credit card and that your payment will be transformed into a cash advance. 
This immediately hits you with a 2 % to 5 % fee and interest charges with no grace period at up to 24.99 %. A credit card charge usually costs me nothing and I get frequent flyer miles if I pay charges within 30 days. 
Sometimes agencies like the US Government tack on a convenience fee of 1.8 % to 2.25 %. The bait and switch policy of M-B Financial would cost cost the consumer XXXX as a cash advance than a normal credit card charge. This appears to be fraud as I can not pay the required payment by credit card but only by a cash advance. It is an unfair, and misleading policy if not outright bait and switch and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (SC).
Issue: Application, originator, mortgage broker

Complaint: When will the victim ( s ) who has been and is continually torn down to His or Her or their lowest level of Characters Worth receive restitution? I am victim of Identity Theft By my former Mortgage Company who now has Reorganized, but under their new Organization has filed Bankruptcy but has been given the privilege to Reorganize for a third time. Throughout their reorganization process My family and I have suffered tremendously with little help and comfort for our loss for local, from federal and our Government agencies. Why are n't the laws catered to the American individual. The right to sue big business and corporations for their illegal practices and financial damages. I note us as individuals and families that owns our homes and yes once upon a time held great creditable reputations until a criminal or civil act has been committed against us and continues to happens but goes unpunished at the lowest level what are we to do? I am in Bankruptcy now, in order to prevent the legal system local authorities from using a court order to throw my family and I out of our home. I have consulted with everyone ... .. but congress and our President. I am and will always be an American citizen and I served our country faithfully, but yet I am not receiving the proper justice because I am not at the corporate level to bring charges against a corporation but a individual as stated by the FTC telephone representative. I know we can perhaps undo the wrong for all citizens who have been affected like I have. It may take some time, but it will alleviate many nights of despair and discouragement I have due to someone else 's inability to serve the American people within their legal rights in their pursuit of happiness in obtaining the " American Dream ''. Although, I am a innocent Homeowner in American, now a victim of my mortgage company crimes, but labeled and viewed as having the inability to obtain and maintain obligations and responsibility financially because wrongful placement of the credit worthiness I have to wait until all the law is put into place to correct this issue, shuewww!!! How will this new law help me and my fellow Americans?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (FL).
Issue: Unexpected or other fees

Complaint: I found a XXXX Prepaid Debit Card given to me as a gift, {$100.00}. value. I went to use it and discovered that {$60.00} in inactivity fees had been charged, confiscated from the card in addition to the gift card fee paid by the gift giver. I contacted the 800 # listed, I believe it is related to US Bank, and was told they could refund some months of it but their systems " did not allow them to go back over 12 months '' so I could only get a partial refund. This was a " gift card '' it says A Gift for You '' printed on the face of the card. Florida law does not allow any " inactivity '' fees to be charged to Florida residents. I believe US Bank gets around this by having them not classified as " gift '' cards and using the loophole in the " Card Act '' that allows inactivity fees to be charged after 12 months to effectively wipe out the card balance.

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 monetary relief
Consumer complaint received 09/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: This letter is a complaint against Nation Star ( Mr. Copper ) they took upon them self to pay off our taxes with out our consent or any notification what so ever. We were not behind on our taxes and we were paying them as they were due so I was skocked when I went to pay my taxes on XXXX XXXX and the clerk said they were paid in full. 

Nation Star created an escrow account and now they want that money upfront for the taxes that they paid, for what ever reason they they paid them in the first place. Now when we pay our monthly mortgage it seems that our payment is not being recorded because they want this escrow account paid in full. We continue to pay our mortgage monthly. Our monthly payments have not been applied to our loan and we do not know what to do, please help us in anyway possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Received notice from IRS of a tax notice. Payment made on XXXX/XXXX/2010 which happened to be the same date as a tax lien was filed. Unable to get explanation from IRS or Equifax as to reason lien was filed on same date as payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Payday loan () with ACE CASH EXPRESS, INC. (IA).
Issue: Can't contact lender

Complaint: I keep trying emails from ACE XXXX INC threatening me for a past due loan which I have no knowledge of. They alleged case file is # XXXX and the email is XXXXXXXXXXXX

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the reporting agency and requested removal of accounts but I was denied. I stated that I am a victim of identity fraud but they still would not remove the inquiries. Here is a list of several inquiries that were not authorized by me : 1. XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.

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 02-11-2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Asked for a Mtg Modification. Was offered a {$200.00} per month reduction but they wanted to add 20 years to the end of the current payoff date.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Rewards

Complaint: I received a promotional offer for my Gap Card ( issued by Synchrony Bank ) for the months of XX/XX/XXXX and XX/XX/2016. The promotion was you would receive 5 times the normal rewards points for each purchase during the period PLUS XXXX points each day the card was used. Points were to be awarded within 2 billing statements By XX/XX/XXXX no bonuses were issued. I contacted Synchrony Bank and they acted like they never heard of the promotion and said they would look into it- I could expect to have it resolved in 2 or 3 more billing cycles. I contacted The Gap about this via email ( attached to this complaint ), they apologized and said Synchrony Bank would be in touch within several days. They were. A nice woman named XXXX from SB apologized for my problem, explained that by error the offer was n't linked to my account but that it was good, I would get my points and even offered {$50.00} in extra rewards points for my trouble. She assured me it would be resolved and the rewards would be awarded by my next statement. By this time I had at least 90 mins invested in calls, live 'chats ', and letter writing. After our call, I confirmed that the 'points for my troubles ' ( {$50.00} in Gap rewards ) were added to my account and believed that the points I 'earned ' through the promotion would be added soon and every thing would be fine. Today I received a form letter in the mail, basically playing 'Twenty Questions ', asking dates, amounts, etc- as if I am supposed to do all the research and calculations for them, after I was assured that the matter was settled- basically taking me back to 'square one '. They clearly had all this info already when I spoke with XXXX. What a terrible consumer experience and poor reflection on The Gap. I really never want to have anything to do with either Synchrony Bank or The Gap ever again.

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 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by TransUnion, XXXX, XXXX, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. In other words, it should be immediately deleted from any of my consumer records. 
I am writing to request that the credit bureaus ( TransUnion, XXXX and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.

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 12/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XX/XX/2016 I sent an investigation request regarding XXXX tax liens that were filed in error reporting on Equifax XXXX credit report for me, and Equifax alone. I submitted XXXX letters from the XXXX Attorney General XXXX of XXXX that state that the tax lien was in fact, filed in error by their office, it was null and void, and request for Equifax to remove it. Equifax ignore the letters and sent back " XXXX '' for both. I called Equifax, spoke with a supervisor who attempted to an investigation while on the phone but said he felt the letterhead was fake. He never called the office to verify or went online to the Ohio XXXX docket to verify. I have supporting documents, called the XXXX office who supports me, submitted a dispute with XXXX because the XXXX XXXX said XXXX gave Equifax the false information. Equifax still wo n't budge. This hurts me tremendously. I am a XXXX XXXX XXXX of XXXX firms and these blemishes are thwarting my current expansion efforts. I have included the XXXX letter stating it was null and void, the XXXX XXXX Docket showing that they are reporting the wrong amount, and the follow up letter for the Ohio IRS stating the same and the Equifax response to my request that include the wrong address for the XXXX, further proof that no investigation was conducted. I never received another response from Equifax from my phone call dispute with the supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In   XX/XX/XXXX  I contacted Chase and expressed some financial difficulty and attempted to resolve with partial payments, future payments to be electronically set up, etc. I was told that no options were available to me until I was in default. I continued to be in contact with Chase over the course of  XX/XX/XXXX  and  XX/XX/XXXX  attempting to resolve the situation and not have any derogatory remarks reported to my credit. I had a sum of funds coming to me in  XX/XX/XXXX  and knew I could pay the remainders of the payments all at one time. Chase would not work any resolution with me. By the time I was in default per their terms, the payments were paid in full in the sum of {$5900.00} in  XX/XX/XXXX .

Company response to consumer: Closed with explanation