milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: TRANSUNION states erroneously that Chaper XXXX bankruptcy that was dismissed/withdrawn is the same as a Chapter XXXX that was Discharged, and the Two concepts are completely different : as follows One shows the abdication of debts= discharge The other shows the LACK of follow through and should not be counted against you in a credit file. 


I should not bear the negative consequences of changing my mind ( due to bad legal advice in a divorce ) since it affects no creditors and the item should be removed and my credit score increased

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 10-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Received email today XX/XX/XXXX about my payments which have skyrocketed when I called and inquired I was told my Autopay was turned off in XX/XX/XXXX without my permission or consent as I was trying to reach to lower my monthly payments due to the strain on my income and bank account. Is this legal ; what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A late payment was applied that was due to a fault in the auto payment setup. No fault of my own.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 explanation
Consumer complaint received 12/22/2016 about Mortgage (VA mortgage) with EMBRACE HOME LOANS (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We are brothers and Veterans on this mortgage. We have fallen behind and Embrace, XXXX, has requested duplicate documentation and has denied receiving faxes. We are in foreclosure and documentation timeliness is very important.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-06-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I called my mortgage compay to get assisstance on lowering my monthly payments and get back current with my mortgage. 
XXXX with XXXX quoted me and told me that I would be approved for a XXXX year fixed rate of XXXX % for an appraised home value of {$150000.00}. He told me that I owed {$120000.00} on my cuurent loan. He later stated that I would be XXXX a check for {$110000.00} and my new monthly payments will be {$560.00} P & I with $ XXXX for a montly payment of {$920.00}. 
As he was getting ready to finalize the deal XXXX asked my race. After I told him my race he told me that his boss would never allow him to approve my refinance. He then rushed me off the phone by saying he could not help me. 

I feel this was racially motivated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: To Whom It May Concern, We continue to dispute the validity of the fraud charges that occurred on XX/XX/XXXX. We request that the charges of {$41.00} and {$2100.00} be credited to our current Chase Sapphire account as soon as possible without any punitive actions. 

These charges were reported to Chase Security within minutes of the alert appearing on our mobile device on XX/XX/XXXX. 

On XX/XX/XXXX we received written notice that the fraud charges had again been applied to our Sapphire credit card account for the reason You received benefit from this transaction. Despite the findings of the initial investigation, we have not received any benefit from the merchant XXXX XXXX XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX we have contacted Chase Fraud four times by phone and each time promised a return call in a few days from the investigator or the Escalation Team. We have also been promised a credit of our disputed charges. None of these promises have been fulfilled. 

Respectively,

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2015 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: My husband and I applied for preapproval with Freedom Mortgage wherein they submitted an email to my landlord indicating that we had great FICO scores and see no reason why we would n't be approved for a mortgage loan. After providing our driver 's licenses and other identifying information which revealed our ethnicity, we were asked to supply a numerous amount of documentation that was not relevant to the loan application. We were subsequently denied a mortgage loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Consumer Loan (Installment loan) with Atlanticus Services Corporation (LA).
Issue: Taking out the loan or lease

Complaint: I was shopping for an elliptical and a co-worker told me about the offer on XXXX. XXXX was offering 12 months defer interest with payments as low as {$32.00} financing through FORTIVA RETAIL CREDIT LINE. I noticed that XXXX was also offering 12 months defer interest with financing through FORTIVA RETAIL CREDIT LINE. 
I decided to make my purchase through XXXX and applied for the financing. I was approved for a {$3000.00} credit line. I made my purchase on XX/XX/2017. My co-worker made her purchase for a treadmill a week before XXXX, XX/XX/XXXX. On XX/XX/2017 my co-worker noticed she was being charged interest and called Fortiva. They stated she was late making a payment and therefor forfeited the deferred interest option. She stated she never received a bill and just received her treadmill a couple of weeks ago. She hung up and called Fortiva back in hopes to speak with another customer service rep. The second rep told her they do not offer defer interest on credit cards. She went back and forth for some time to no avail. 
I was a little concerned, I was next to her while she made the phone calls, so I went to the FORTIVA website and created my profile and reviewed my account. Even though it was 15 days from the date of purchase, I was due a payment of {$60.00}. On XX/XX/2017 I made the first payment. A week later I received the actual statement. My payment due was {$60.00} and not the {$32.00} as stated on XXXX when I applied. I also noticed that I was being charged interest of 29.99 %. 
I contacted Fortiva Retail Credit and was told by their customer service rep that Fortiva Retail Credit line does not offer any defer interest deals and I applied for a credit card. I explained to the customer service rep that I applied online through the XXXX website and was approved for 12 months defer interest financing for exercise equipment not a credit card. The rep had no idea what I was talking about and stated that he would have someone in management research my account and call me back. No one has contacted me. After a few weeks I went to the FORTIVA RETAIL CREDIT LINE website and clicked on " contact us ''. The only option is to email them through the website itself. I emailed FORTIVA and still have n't received a call back or an email. The issue is still unresolved. Recently I went back on the XXXX website and the XXXX website, both of these website still as of today, Wednesday, XX/XX/2017, offer the same financing deal through FORTIVA RETAIL CREDIT LINE. The very same 12 months defer interest option that FROTIVA claims that they do not offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Received letter from rental property manager showing rental account paid in full

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have XXXX XXXX XXXX XXXX credit its closed but the reason is CONSUMER DECEASED.i was pay off and no 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 non-monetary relief
Consumer complaint received 04-06-2015 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (ID).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Someone from this number, XXXX keeps calling my father 's residence looking to speak with me. Apparently, she has told my dad there will be legal action taken against me if I do not pay " said debt ''. However, I have all my financial information taken care of. She is violating the Fair Debt Collection Practices Act by threatening someone else for a debt I supposedly owe. There is no verified debt amount, who the debt is from, and or a federally required debt collection notification letter sent to my address over said debt. 
I want these calls to stop occurring right now.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hello, Transunion had inserted deleted collections and deleted hard inquiries on my credit report between XXXX, i had questioned Transunion, however they stated that there is no record of such transaction, i have screenshots to support my claim.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 explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with LoanStar Home Lending (CA).
Issue: Settlement process and costs

Complaint: the lender raised the interest few days before closing the deal of buying a house at this point I had no choice but to accept otherwise I will lose the house. 
few months before I was approved for 4 % from other lenders before. upon finding the right house I signed a contract with the suggested lender from my agent XXXX to make the deal as fast as we can ) with interest no more than 4.25 % and he promised to try to get it around 4 % and they gave us an approval letter after I gave him all necessary documents. 
and few days before closing the lender amend the contract upon his request to change the interest to 4.625 % and I had to accept in order not to loose the house. 
more over the lender sold the loan to another company ( XXXX ) within 1 month only ( it looks increasing the rate makes it very easy to sell the loan to other company with good profit ) I asked to get copy of the original contract but the lender did not responseI will submit attached the amendment to change the rate from 4.25 % to 4.625 % on page XXXX from the file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: I have been working with XXXX for over 3 years. My auto loan is at a rateof 24 percent. The phone calls are relentless beginning at XXXX daily. I am trying my best withthese people but nnothing is good enough. I am exhausted due to their overwhelming phone calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Back in XX/XX/XXXX, IQ Data called my cell phone requesting a payment for a debt that accrued through my old apartment complex. I was unaware of the debt due to me giving proper notice to vacate the property. When I was contacted via telephone I was told that if I didnt pay my debt that my kids would never go to college because they were going to make a permanent mark on my credit report. I began to seek legal advise regarding this issue. I was unable to follow through with hiring a lawyer. On XX/XX/XXXX I paid my debt off. I was told that this would be taken off my credit report and that the debt was settled. 

In XX/XX/XXXX I applied for a rental property and was denied due to this still being on my credit report. It is showing a large sum being due. I called the IQ data on XX/XX/XXXX to inquire why this was still showing up on my report. They stated that although the debt was settled and i was not responsible for further payment, I still had a portion that needed to be paid off. I have the receipt of the payment I made back in XX/XX/XXXX, it shows a XXXX balance remaining and releases me from this debt. 

The amount that was due was {$1100.00}. The amount settled on and I paid was {$940.00}. This was paid on XX/XX/XXXX. I have been denied housing because of this company. They made sure to keep up with their threat of permanently ruining my credit report. I will not be able to rent a property or get approved for a loan to purchase a house due to this. The companies information is listed below. 

I.Q. DATA INTERNATIONAL, INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX   XXXX, XXXX, WA XXXX HOURS : MONDAY-FRIDAY XXXX TO XXXX PST TOLL FREE : XXXX OR ( XXXX ) XXXX FAX : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2017 about Debt collection (Auto debt) with Nelson Cruz & Associates LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a call from a debt agency called XXXX XXXX and XXXX based in XXXX Texas. The debt collection agency stated that they will garnish my wages for a debt over XXXX XXXX XXXX. A vehicle that was repossessed 10 years ago. The number that called me is XXXX which is from XXXX New Jersey. The person told me I will be arrested if debt not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar XXXX XXXX XXXX and XXXX XXXX XXXX XXXX CA XXXX We started a short sale with Nationstar in XXXX 2016. We have a buyer who is willing and able to close the short sale. Nationstar has put this property through its in-house auction company that it owns, " XXXX '', two times, so that they can gain the 5 % fee they have named a 'Buyers Auction Premium '' fee. Both attempts by Nationstar to procure their own buyer have been unsuccessful. 

Since Nationstar was unable to procure their own buyer and thereby gain the additional 5 % auction charge, they have decided to simply not work on the short sale and instead take it back at the foreclosure auction - which is a month away. 

Nationstar is refusing to entertain the offer by the current buyer we have provided. This offer has not once been reviewed by Nationstar. They have decided this, even though they have ample time to review the offer we provided to them. 


Does the investor know that Nationstar is refusing to review an offer since it was not procured through the auction company that Nationstar owns?

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My complaint is with ( PRA ) Portfolio Recovery Associates, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX PRA is currently reporting negatively on my credit report for an old credit card from XXXX XXXX and is no longer within the Pennsylvania statute of limitations. I have called them a couple different times and was completely unsuccessful. They refused to do anything. I 'm hoping that you can help me resolve this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Debt collection (I do not know) with Cottonwood Financial Ltd. (WY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company keeps calling me trying to contact my sister. I have told them several times to stop calling me. They are incredibly rude and wo n't stop. This is not my concern or my business and it is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I 've taken a closer look into my student loan breakdown of payments and am absolutely devastated to find that out of the {$20000.00} that I 've paid over the last few fews, ONLY {$2100.00} has gone to paying down the principal and the remainder {$18000.00} has gone to paying Interest Rate Payments. In the last year, my monthly payments breakdown with only 20 % -30 % of my payment going to bringing down my principal. <P/>I called Navient and the customer service rep explained that I have a " daily interest rate ''. At no point has Navient explained or told me about this " daily interest rate ''. The customer service rep could not explain why or the breakdown of my interest rate payments and did not provide me any viable solutions or satisfactory explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Closing on a mortgage

Complaint: Mortgage company : Carrington Mortgage Service, llc Loan no : XXXX on XX/XX/XXXX requested a payoff statement. On XX/XX/XXXX paid the total amount to pay loan in full requested in the statement ( {$97000.00} ) via wire transfer ( documentation is available if needed. ) While waiting for the releasefof the lien, another monthly statement was received. immediately called CMS. they had no knowledge of the loan being paid off. Asked them to provide a fax number so I can send them all the document proving the payoff. Faxed 13 pages of documents and a personal written request for the release of the mortgage to all 3 fax numbers that they had provided us. 
on XX/XX/XXXX we received an escrow refund check for {$2200.00} From CMS, which usually means that the loan was cancelled, but still it was not release.

Meanwhile since the monthly payment was not made it became delinquent and late charge notices started to come in. They also reported the delinquency to the credit bureau and ruined my perfect credit score.

Called CMS, four more times. Each time they provided us ( myself and my authorized user ) with different fax, phone and mailing address to send them our documentations. They also escalated the " problems '' to their " managers '' and we were going to hear something from them by Monday XX/XX/XXXX. Nothing happened. 
Instead they invoked foreclosure based on " terms of " my " mortgage contract. '' I have done everything in my power to stop foreclosure and release the mortgage ; faxing documents, contacting CMS on numerous occasions, sending certified mails to all branches of CMS, including their California, Arizona and customer service offices, notifying HUD, by certified mail, of the problem ... but have not been able to cancel the loan. 
Since per Georgia 's law lenders are required to cancel a security deed within 60 days of full payment, how can I hold them reliable for failing to cancel the deed and is there anything that your bureau can help me with? 
I thank you in advance for a ) taking the time to read this complaint, and b ) for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Student loan (Private student loan) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am have trouble with American Education Services ( AES ). On XX/XX/XXXX I received an email stating that my most recent payment is past due. However, the payment was due on Friday, XX/XX/XXXX. I processed the payment around XXXX for the full minimum balance on XX/XX/XXXX which was the due date of the payment. I reviewed the website both on XX/XX/XXXX and XX/XX/XXXX and my payment is listed on their website as scheduled on XX/XX/XXXX but not processed. I contacted their customer service office on XX/XX/XXXX around XXXX and was told that I was three days past due and the rep requested a second payment. When I stated that I made a payment was made on XX/XX/XXXX before XXXX XXXX. I was told that is correct we do have a payment, and we usually clear payments between XXXX and XXXX however, we did not clear yours because 1 % of our customers make payment without having funds in their account. Although you may have never done this we will not show your account as paid until we receive payment from you bank. I said if that is your internal process then you should not send me nor my co-signer late notices. ( Which they did on XX/XX/XXXX ). The rep stated well that 's what we are going to do because some of y'all do n't properly pay your bills. I told him that I would seek legal action. I believe it is improper for AES to list my account as past due when I made a payment on the due date and prior to the close of business time listed on their website. I made the payment directly on their website to ensure something like this would not happen. I believe they are providing misinformation not only to me but to my co-signer by sending her a notice that I am behind on a payment when I am not. Even if they are not sending this information to the credit bureau they are sending incorrect and misleading information to their loan holders and co-signers. Please tell me what I can do.

Company response to consumer: Closed with explanation