milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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 received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XX/XX/XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XX/XX/XXXX. The car was in excellent shape and the lease was paid as agreed. This was my 3rd lease with XXXX/XXXX AND I was in good standing with A1 credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease 3 XXXX from 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 01/19/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Trouble during payment process

Complaint: Freedom Mortgage is my loan servicer for the last 26 months. Over the last couple of years, property values increased in our neighborhood so I wanted to see if I would be able to get the PMI canceled. 

I called Freedom Mortgage to understand the pre-requisites to cancel PMI and was told to get a new appraisal to see if LTV is

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 06-04-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I started the process of a short sale on my home in XXXX 2015. I hired a reputable real estate agent and we got a contract. The lender is refusing the offer and insists on an unreasonable and unrealistic price for the house. When we asked for the basis of the figure they proposed for the sale they refused to answer. Now, they 've served me with a second set of foreclosure documents falsely indicating that they have never received an offer and the last time they contacted me was in XXXX 2015. My letter to them is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (LA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I went to make a purchase for approx  XXXX  fro   XXXX   and I received a text message for verification. I responded with yes and I was told I had to call. I called and verified all of my information only to be told they still declined my card and If I wanted to use the card I would have to stay on the phone while I was making the transaction. I asked why did I have to do that and they said it was to  protect Chase.  I asked them why do I pay a yearly fee of  XXXX  to  XXXX  if I cant use the card at will. I was placed on hold for ov er 35 minutes only yo keep getting transferred. The CRS representative even referenced that a type of   purchase my have been because of my culture referring to me being of  XXXX   XXXX  decent. I asked to speak to manager and the manger was no help at all. I had to end up spending more money to get the same items and it was a difference of  XXXX . I thin k Chase should a t least credit my account for the yearly service for all of the inconvenien ce and racial under tones.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Checking or savings account (Checking account) with U.S. BANCORP (GA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: For more than 1 year, I tried to close this US Bank Checking Account because they convinced me to open a 2nd account when I did not need it. When I tried to close the account because there were no branches where I lived, and besides their fees were due to the cost of the new account. When I travelled XXXX on business, 3 different times I went inside the branch inside the XXXX supermarket to close my account, every single time it was a different excuse # 1 the manager has to close the account # 2 I 'm new and I need to wait for the manager to help me close the account # 3 Similar situations not to mentioned the numerous phone calls. So I stop using my primary account because they kept taking money to cover the cost of the account that I never wanted. 
Now, not only did they finally close the account but US bank closed my primary account and with a negative balance plus reported me to the XXXX. I 'm furious! So why did they keep my savings account open???? This is totally ridiculous! I 'm reporting them so other consumers can be aware! and they MUST fix this wrong!!!

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account regularly reports negative information and reports as if the account when it was closed nearly 4 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Student loan (Private student loan) with Levy and Associates, LLC (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Law firm sent out notice about collecting a debt. I went on there website and submitted an email to see if we can setup payment arrangement. I ask if they can stop sending notices to home address and call my cell phone they did n't respond and they keep sending out notices to home address

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Without verifying who they were speaking with they willingly gave out my debt information as well as my social and address,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Nationstar Mortgage LLC around 2 or 3 years ago. During this period, there were no issues with my account. In XXXX of 2015, I decided to make my payments directly from another account rather than have Nationstar draft payments from the old account. Not thinking, I did not update my payment options online in their system and consequently, the XXXX and XXXX payments were sent back because of NSF. I immediately reissued XXXX payments through Bill Payer bringing the account current. The payments for XXXX and XXXX were sent electronically through Bill Payer with no problem. When XXXX 's payment was sent in through Bill Payer, the payment was rejected and sent back to my bank as was XXXX 's payment. When I spoke to a customer service representative, I was told that for a 6-month period, all payments would be rejected unless they are in the form of a cashier 's check, a money order, or etc. I was not notified of this previously. As a consumer, it is apparent that Northstar is using tactics that will create additional fees for the company or even cause foreclosure. Consumers beware! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Money was not available when promised

Complaint: I transfer money to my cousin in XXXX on XX/XX/ and money was debited from my account on XX/XX/ but receiver never received the money. Today I call Western Union to find out what is going on with my transfer. They told me transaction on hold due to need more information regarding receiver. I told them when were you going to inform me they try to tell me they send me the email but he could not tell me when email was sent. Thay just lie about email and sit on my money without notifying me or receiver.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I found this address on my credit report and i have never stayed in Colorado i think somebody trying to open an account using my information XXXX, CO 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 09/26/2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Problems when you are unable to pay

Complaint: I have been getting phone calls on a daily basis from an automated system about my truck payment. I know that I am behind on my payment but the constant calling while I 'm at work and all day long is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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 have had a problem with equifax since  XXXX  of  2017 .   XXXX   XXXX   has submitted multiple requests to have some hard inquiries removed off of my report. I have previously submitted letters to cfpb that show where the comenity bank submitted the request. They submitted the request again on  XXXX   XXXX ,  2017  and spoke with equifax business at  XXXX  option  XXXX . They were given case number  XXXX  as proof that the inquiry 's were removed but they 're still on my personal credit report. Equifax is a horrible company who gives consumers the run around. I was told to send a copy of the letter from  XXXX    XXXX   and they would remove the inquiry in which they have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Other mortgage) with Ditech Financial LLC (WV).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech mortgage, how many complaints is it going to take to have cfpb do something about this company? 
This company holds a note on a property next door, abandoned, health and safety issue, drug den. I cant get insurance on my home due to this property, owners are gone for the last XXXX yrs. no payments were made for XXXX yrs. no forclosure. I offered to buy it to tear down, asked them to fix it or tear it down. called several times. told them I was recording the call they hung up immediately. { thought it was funny they always say we are recording this call for quality } lmaof. I feel companies like this should be held accountable for their and wonder what cfpb can do about these complaints. with the number of complaints, I would think something has been or is in the process of being done. 
Yes I am getting legal rep. at this point. I am also logging complaints with every agency and my local and state representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Settlement process and costs

Complaint: I have been asking for my mortgage company : Ocwen Loan Servicing ( Loan Depot, Loan Depot Escrow ), to send me a complete copy of the closing documents and to validate their escrow analysis as it is incorrect. They have not provided any information despite my follow-up requests since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After repeated dispute attempts to provide validation of debt in collections. Credit reporting agency has not validated debt information for the collections debt portion placed on my account.after i have disputed several times. I have not received validated proof of debt. Please help to resolve.

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 04/23/2018 about Student loan (Private student loan) with ECMC Group, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This company has taken my 2017 tax refund and no longer has this acount why did they take my refund and why are they reporting incorrect information on my credit reports these are fraudulent acts that this company are doing to consumers

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have submitted multiple dispute letters in regards to inquiries on my credit report that I did not authorize. I have not received a response or any documentation that can support these inquiries. Credit agency has not removed inquiries in question. I will list them below and am demanding said items removed from report immediately. 

XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX 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 04/20/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Payoff process

Complaint: I HAVE SIGNED UP WITH XXXX, TO PAY OFF MY WELLS FARGO CC ACCTS., I WAS 160 DAYS PAST DUE, AND HAVE SENT THEM INFO FOR XXXX IF THEY HAD ANY QUESTIONS ON MY ACCT. 
INSTEAD ON XXXX/XXXX/16, THEY WENT INTO MY DAUGHTERS CHECKING ACCT. AND TOOK OUT {$960.00} FROM HER ACCT. WHICH MADE MY C. C. ACCT. UP TO DATE, AND KNOW THEY DO NOT WANT TO DEAL WITH XXXX TO PAY THIS ACCT OFF, I HAVE EXPRESSED THAT I AM NOT A ABLE TO PAY THIS AND IF THEY WILL PLEASE EXCEPT THERE OFFER, THEY THEY REFUSE, THEY HAVE SINCE TRIED TO TAKE XXXX OUT OF MY CH CHECKING ACCT, WHICH ONLY HAD XXXX IN IT NOW THEY ARE CHARGING ME NSF FEES FOR THIS, I DO N'T KNOW WHO ELSE TO TURN TO, THEY 'VE TAKEN FROM DAUGHTERS ACCT WHICH WAS SO UNEXPECTED, I HAVE EXPRESSED TO THEM SEVERAL TIMES AND HAVE WRITTEN LETTERS TO PLEASE SETTLE WITH XXXX, THIS IS THE ONLY WAY I CAN PAY THIS OFF, WITH SUCH HIGH INTEREST RATES AND FEES THE BALANCE IS NEVER GOING DOWN. 
CAN YOU PLEASE HELP. THANK YOU

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 02/28/2017 about Bank account or service (Savings account) with CITIBANK, N.A. (IL).
Issue: Deposits and withdrawals

Complaint: Kindly Please help me about my problem with the promise promotion of Citibank. with Citibank Case Number XXXX and XXXX. Account Number ending XXXX.I have waited more than 5 months, all terms & conditions were met, called and emailed more than 10X but nothing happen still I do n't have the bonus interest that promise in the promotion, I asked the customer representative about the bonus they do n't know when and still on the case or investigation and raise another the case. 
PLEASE See the promotion Below. 
How To Earn Citibank {$400.00} Bonus : Fund a new or existing Citibank ( R ) Savings Plus Account with a minimum of {$25000.00} new-to-bank funds between XX/XX/XXXX to XX/XX/XXXX If you fund your account with $ XXXX, then you can earn the maximum {$400.00} bonus. 
Maintain a minimum balance of at least {$25000.00} throughout the next 3 monthly statement periods, and you can earn 10X the interest on your savings for this bonus period. 
The cash bonus will be credited to your Citibank Savings Plus Account within 90 calendar days from the date when you completed all offer requirements. 

Thanks you for the help. 

Please see the attach papers below. and the last email below. 

( Citibank email reply last XX/XX/XXXX ) Customer Service Message Dear XXXX, Customer Service Message Dear XXXX, In response to your Citibank Service request XXXX, please see the attached correspondence regarding your case., please contact Citibank 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 explanation
Consumer complaint received 02-09-2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage through Flagstar Bank that I feel behind on in XXXX. I began a modification process in XXXX XXXX and was placed on a trail period with payments {$100.00} more than original payments. After successfully making XXXX payments I was told paperwork would be sent in the mail regarding the modification. I received a packet that contained documents to be signed by a notary and a witness with a due date just days after receipt. After reviewing the documents it was obvious that no previous payments were credited to my account. Additionally, I was asked to pay closing costs, an additional {$40000.00} for my home and to start the 30 year term over again. I called today to make another `` trail period payment '' and to discuss the issues I had with documentation when I was told that my file was closed and I would have to reapply for a modification. I was told that my home was going back into forclosure process and they were not able to take my payment. My " single point of contact '' was not available to communicate with and I was forwarded to a voicemail after asking who I could speak to about these issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The borrower, Ms. XXXX received a notice on XXXX of a Trustee Sale scheduled on XXXX. Mr. XXXX contacted the lender on XXXX to request Mortgage Assistance. She was informed by a representative that the lender, Nationstar Mortgage LLC would not allow her to pursue a short sale because they needed 37 days prior to the Sale date to consider any mortgage assistance options. Consequently, the borrower asked the representative why she was n't provided with the notice at least 37 days prior to the Sale date so that she would have had enough time to request mortgage assistance. The representative stated that such notice was something that they were not required to do and that the Sale date will go through as scheduled. However, pursuant to XXXX XXXX of the California XXXX XXXX, " The sale date shown on this notice of sale XXXX be postponed XXXX or more times by the mortgagee, beneficiary, trustee, or a court. '' Furthermore, pursuant to XXXX " At least 20 days before the date of sale, deposit or cause to be deposited in the United States mail an envelope, sent by registered or certified mail with postage prepaid, containing a copy of the notice of the time and place of sale, addressed to each person whose name and address are set forth in a duly recorded request therefor, directed to the address designated in the request and to each trustor or mortgagor at his or her last known address if different than the address specified in the deed of trust or mortgage with power of sale. '' Ms. XXXX did not receive such notice via Registered or Certified Mail and thus the Lender did not provide proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XXXX Overdraft fees @ $ XXXX. = XXXX / on an account i opened in XXXX XXXX. I have NEVER run a negative or NSF Balance at any time as noted electronically or on paper statements of my account. They said they would credit ( 7 ) of the overdrafts??? 

See my attached letter in support of my complaint. 

Thank You-

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For several months, a debt collection agency with caller ID ( XXXX ) XXXX and ( XXXX ) XXXX has been harassing me at my work number with constant calls over a debt collection for an employee that no longer works at my place of employment. Repeated notifications that the employee is no longer employed went unheeded.

Company response to consumer: Closed with explanation