milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX keeps adding balances and subtracting balances from my accounts. this is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set to current. As soon as i contacted XXXX my loans were put back in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I have student loans duplicated amounts on my credit report. Each of them was under  XXXX   XXXX .  Navient  has assumed all the responsibilities previously performed by  XXXX   XXXX  as a federal loan servicer to handle the billing and other services on federal student loans. Then, Navient switch to  Education De partme nt Navient th at causes the student loan duplication issue.  <P/> Understanding the problem, the credit report shows both :  XXXX   XXXX /Navient and  Education Department Navient duplicated with exactly the s ame balances.  XXXX   XXXX  never marked the transferred accounts as " closed '' an d Education Department Navient still " Open - Current ''.   XXXX   XXXX  /Navient does not mark the acco unt as closed after they switch.  <P/> I contact Navient hundreds of times and they never accept the error and never perform any investigation in relation of it. They only p rovide a   XXXX   XXXX   address to send any complaint letter to Navient Fraud Department. I sent a lot of letters and they never answer. I 'm trying to fix this more than 9 years.   <P/> They continue reporting late payments also under forbearance every months. I 'm desperate, because they destroyed my credit and continue calling me, but never accept the duplicated error. Again, I 'm sending a lot of disputes letters and they never answer.  <P/> I also verified my original Student Loans documentation  in the National Student Loan Data System  and shows double quantities ( error ) between  XXXX  University and  XXXX   XXXX /Navient.  <P/>   XXXX   XXXX  /Navient are thieves and abusers. They know exactly that they are doing.  <P/> They never provide me the original instrument of ended nest is his original form. Therefore and under the law, I am not liab le about any financial obligation issued by licensed financial institutions following the FDIC Law PART 1020.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Apparently someone with a similar name to mine filed bankruptcy in the and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. How is this information verified and where. There was a wrong SSN listed on my report at one time, so it is possible that additional information could in fact be in correct. I had to resend the letter, twice to the credit bureau. Both time they denied receiving it. In addition, the court clerk told all bankruptcy information is only available third party and they do not have all the information in the file because it is a sealed file. My home is a rental and I still receive mail from pass tenants. I believe this is not factual and should be removed from my credit report.

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 09-08-2015 about Mortgage (Other mortgage) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI).
Issue: Application, originator, mortgage broker

Complaint: XXXX and myself owned a business we had a BANKER ( XXXX XXXX from XXXX ) come to us and see if he could do some finances for our business with us, we told him we would like to take out a small business loan and use it to pay off our home mortgage and our business mortgages using our XXXX commercial properties he agreed that would be something his bank could handle. It ended up by us loosing our business ALL of our properties to include our home and with paper work that has been used wrongly. It is very hard to explain however what the paper I have does not match what is in Register of needs. We hired Attorney on our home and they did NOT present any evidence on our behalf and I Had given them more then any one could believe, there excuse was it would only confuse the Judge! Well it also confuses anyone who looks at it. So now I am turning to anyone who can help us clean up this mess and get our money back that was wrongfully taken from us. This involves XXXX that is why it is so confusing and the BANKS would not do anything to help I might add the original Bank was bought out XXXX since this all started and I got the run around from all of them. All of the Evidence the banks Attorneys brought forward is in question because we did not knowingly sign any mortgage on our home and we never sign in front of a notary even if they say we did and I can also prove that is a lie. So as you can see this is a confusing mess, but some one has to care enough to get to the bottom of all of this we are now out of money do to all the attorney fees so far and we still have no answers because it never went to court with our evince the Judge did a summary judgment which was never asked for. So if there is any thing you can do for us to find out where the XXXX loan money went if it did not pay off our home. Please help us! We wrote Senator XXXX and he his the one who told us to get ahold of you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan with Chase on a home with my partner since XX/XX/XXXX. We got married in XX/XX/XXXX but due to FL law we were not recognized until XX/XX/XXXX. In XXXX she filed for Chapter XXXX Bankruptcy and the without my knowledge included the house in the filing. I have been making payments on the loan myself since XX/XX/XXXX. During my mediation I pulled my credit report and realized my Chase Mortgage payments were not being reported. I did more research and found out that my spouce was removed from all financial repsonsibility for this loan. My problem with Chase is that during the entire year from XX/XX/XXXX till present, my statements have not reflected any late payments or any missed payments. I learned that my loan was not paid for 2 months back in XX/XX/XXXX and that I was being reported by Chase Mortgage on the transaction reports that I was late 60 days for 11 months. How is it possible that my credit does not report this, yet now that I am trying to purchase some income property it is being reported by Chase that I am late and therefore, I am being refused a loan for my investment? What rights do I have as a consumer to be notified when my loan is overdue or missed on payments? Every statement I received DID NOT reflect this. I am very upset this has affected my ability to move forward financially and that Chase is providing derogatory information that should not be reported. Chase has assumed no responsibility in their informing me of the late payments being recorded. I need help to clear my name and record up with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: Citi Bank has failed to protect me against an overcharge from XXXX XXXX. The issue has continued for 3 frustrating months. I finally got the matter resolved and XXXX issued the credit in XX/XX/XXXX. Citi put the credit on my account and all was well for a week. 

Then Citi began sending me letters requesting information about the dispute. I sent them an email response saying the matter was resolved and they could cancel the dispute. Citi notified me XXXX XXXX I would be re-billed for the disputed amount since I canceled the dispute! 

So, I 'm back where I started with Citi and pulling out my hair. XXXX XXXX issued the credit, but Citi still ca n't get my account right. This is the worst customer service experience of my XXXX years. Citi 's lack of controls and oversight is inexcusable. I 've attached written correspondence with Citi.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are inquires that is on my credit report that I did not authorize. They are XXXX, XXXX, XXXX XXXX, and 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 04/28/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: for a while i was being billed monthly charges from Bank of america. I addressed these charges and they were waived as i was told that i needed a direct deposit totaling a minimum of $ 250/month. So i started directly depositing {$120.00} from each payroll check that totaled $ 250/month. I received another charge last month and called in to BOA. I was told that i was misinformed and that it is supposed to be $ 25/pay period/deposit. So, again, i revised my contributions to $ 250/pay period to meet their requirements even thought i was misinformed. I called in today about the charge and was informed that i am out of luck and that they have already refunded charges before. That was not at my request but at a branch managers decision to retain me as a customer as i was there to close out my account. Regardless, i was told XXXX thing to avoid the monthly fees and i did exactly what the representative stated. Then i was charged again, so i switched again and was informed that i may get another charge and to just call in. I spoke with XXXX at BOA in their California call center who was polite but refused to assists. I cant help but have concern for myself and others in regard to receiving incorrect information from BOA and then turning around and charging customers for their under-advised reps. I would like for my account to be credited the monthly maint fee as i did what they asked every time. I would be open to a class action suit to see if others were experiencing this bad business practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2016 about Credit card () with DISCOVER BANK (FL).
Issue: Forbearance / Workout plans

Complaint: In XXXX XXXX, I had a XXXX XXXX. Subsequently, in XXXX XXXX my business failed. I had a large number of credit cards. and all worked-out five year repayment arrangements except my Discover business credit card, on which I subsequently defaulted. I was told that Discover would not work out repayment until it became a " charge-off. '' I am writing to DISPUTE the manner in which XXXX, XXXX and XXXX are reporting the " Charge-Off '' by Discover Card. I have been making payments of {$200.00} per month since XXXX XXXX -- - nearly THREE YEARS. Yet it appears that it is being reported and scored basically the same as if I was making no payments at all during this time period. There is something inherently unfair in the manner in which XXXX, XXXX and XXXX are reporting, and scoring, this debt. The failure by the credit reporting agencies to report my monthly payments, and adjust my credit score to reflect my good faith efforts to repay this debt, is a VIOLATION OF THE FAIR CREDIT REPORTING ACT, as the information which these agencies do choose to utilize is both inaccurate and incomplete under the meaning of FCRA. 

I am being substantially harmed by this greatly inflated negative information on my credit report. In Florida, where I live, credit scores are used by condo associations to EXCLUDE buyers from purchasing condos. I can not find an affordable place to live because of this negative information and its effect on my credit scores. 

I do understand why Discover chooses to report in this manner, as it provides them leverage to attempt to accelerate repayment arrangements. I know this because Discover has contacted me repeatedly to pay more so my credit report will improve. But my making monthly payments for almost three years is not equivalent to a " charge-off '' where the creditor has given-up the expectation of any repayment. And, therefore, XXXX XXXX and XXXX reporting is both inaccurate and incomplete. The {$200.00} monthly payments to Discover Card per my written agreement with Discover Card should be reported the same as monthly payments for any other credit card. Once I began monthly payments, this debt to Discover Card was no longer " charged-off. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Cash advance

Complaint: {$20.00} cash advance is at a higher interest rate than purchases. Any payment above the minimum goes to the higher rate correct. Walmart credit card thru Sychrony bank XXXX said I have to pay purchase balance to XXXX before any of the payment above minimum will be credited to cash 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 explanation
Consumer complaint received 10/28/2015 about Prepaid card (General purpose card) with CITIBANK, N.A. (FL).
Issue: Managing, opening, or closing account

Complaint: I switched my service over XXXX with the understanding that they would pay my cancellation fees XXXX. I cancelled XXXX and payed the cancellation fees and XXXX sent a prepaid card for {$240.00} to cover the cancellations fee. My problem is that the card expired last month, XXXX. I called to request a new card from Citi Bank and they told me they could n't give me a new XXXX as it had expired and I lost my all my funds. 

I called XXXX back and explained what happened and the agent told me to call XXXX and speak to Citi at this number. She said it should n't be problem and that I should be able to get a new card. So I called that number and spoke with the supervisor XXXX who explained that he could n't do anything and that the funds were gone. He stated that he could not do anything and that the card had expired and I lost my money. I explained that I read on XXXX that even if the card had expired I should be able to get my money. It states " If you have a prepaid debit card and the card expires while you still have money on it, you can request a replacement card to access the funds. '' It 's still my money at the end of the day. I paid {$240.00} to switch XXXX with the understanding they would pay for it. So I 'm still owed that money. XXXX then informed me that he could not do anything and that I 'm not entitled to a new card. 

According to the CFPB " The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Making/receiving payments, sending money

Complaint: The bank we are operating with, has giving us checkbooks with an error in the account number. We have made payments with some of those checks and all of them were not cleared for that reason. As a result of such those mispayments XXXX of our cars hase been repossessed and so far the bank has done little to nothing to resolve this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/29/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: Chase is charging overdraft fees for account being negative 3 hrs. Account shows positive at XXXX cst and then goes negative by XXXX. If I cover the negative amount the same day they still charge me the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Had unnecessary info delete or do I go on XXXX address pay XXXX fee

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 03/30/2015 about Credit card () with PAYPAL HOLDINGS INC. (VA).
Issue: Late fee

Complaint: Billmelater charged me a late fee of {$35.00}. When I called in to make the payment in XXXX the system told me the payment was due so I made it. I had already made a payment earlier that month. So, when I went to pay this month they said I was past due and charged me a late fee. My payment was made XXXX day before the cycle date. This ended up being the XXXX payment I had made for the month of XXXX. They refused to waive the late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Mortgage (Other mortgage) with Mortgage Professionals of Sun Valley, Incorporated (ID).
Issue: Application, originator, mortgage broker

Complaint: I called my bank, and was referred to an outsider, XXXX XXXX, for the loan information I was requesting. He text me her info, since I was driving and had no pen or paper. I called her, gave her my information, and she emailed me what else she needed. She told me that I 'd hear back from her tomorrow ( Tuesday ) I emailed at XXXX, text and Called her, with no response until hours later, with " I 'm sorry I did n't receive it back yet, sorry for the delay, hopefully tomorrow '' I tried calling her twice on Wednesday, and received no answer, or call back. I 'm not comfortable that she has all my personal information, is n't with the company I was told she was at, and is n't returning any phone calls, texts or emails. It 's very unprofessional, and nerve racking, since I gave her info to run my credit, and info that could ruin my life. I talked to another lender, and she told me it 's likely if she 's switching companies, that she does n't have her license 's arranged with the new company and ca n't access the system to run my info for a pre-approval. If that 's the case as well, she should 've been up front, open and honest about switching companies. I would 've never given her my info that being the case, because I have a very Time sensitive situation and am needing to see all my options now. Being a first time home buyer, this puts a bad taste in my mouth, and I will be telling everyone how poor of a job she did. Her job history as well, shows that she bounces from job to job, which I wish I knew before. Lesson learned.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: I sent a dispute request to Transunion over 30 days ago and instead of receiving investigation results, I received simply just a credit report with a report number ( Report # XXXX ) as a stall tactic from Transunion. 
According to the Fair Credit Reporting Act that is a direct violation of my rights as a consumer and I want the negative items on my report investigated and removed from my Transunion report immediately.

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 11-03-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: SPS did not tell me ( written or verbally ) that my house was put in foreclosure. I did not recieve any certified letters or anytging. SPS took it upon themselves to notify XXXX XXXX XXXX XXXX an attorney and counselor at law to put my house in foreclosure. I have an attached letter stating that XXXX XXXX sent dated the foreclosure letter for XXXX XXXX2017. I called SPS and they told me they did not know why XXXX XXXX sent the foreclosure letter without their approval or before they informed me of the foreclosure date. I am in a predatory loan and at new law was passed that protects homeowneemrs against predatory lending and any interest rate over 5.5 % is considered predatory. I have a 8 % loan SPS should be informed that it I am a victim of predatory lending I can sue the bank. Please, stop the foreclosure and give me a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation