milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Last year ( XX/XX/2015 ) I tried contacting XXXX that has my XXXX credit card. I 've had this card for years with them. I was running into financial hardship and wanted to notify them and see what kind of agreement we could make. I was trying to make sure that exorbitant fees were not going to accumulate. I had no problems with paying them before but everything was going to change. As of date of trying to contact them on the phone numerous times, exhausted of trying to deal with them humanely. I received the brunt of all their lies, interrogations, nastiness and no help resolving this matter. As of date i have about 28 different phone numbers from them or their " off shore '' call centers. HUNDREDS of dates and times they have called me in a very short time period. The very tiny amount of voice mails that they have left messages for me. I ca n't deal with all their shenanigans and games. They want FULL SOCIAL SECURITY number of mine. I would like to find out what I can do. This is ridiculous. Lawsuit against them. Their tactics.

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 09-05-2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: While checking my credit report I found an entry from a " XXXX XXXX & XXXX ''. on my credit report. On XXXX, I sent a certified letter requesting validation. I have NOT received a valid response. In a letter dated XXXX, I disputed this entry with Equifax. Equifax replied in a letter dated XXXX, that they had " Verified '' thee above entry.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00} Credit Reporting Company Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I advised that I was unaware of debt. Notified it was a mistake on XXXX. I have an account in good standing with them. Told them I would resolve the issue and was told they would take me off of call list. They r now calling over 5 times a day on my home phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: Some one stole XXXX dollars out of my Wells Fargo account XXXX XXXX in XXXX, North Carolina. Wells Fargo did not replace the money nor acknowledge my lost.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: I called Quicken Loans for the limited purpose of obtaining information regarding alternative loan programs and their respective rates. Although the purpose of my call was clearly stated, the Quicken Loans representative asked a number of invasive questions, some of which I answered. Finally, when it became apparent that the Quicken Loans representative would not furnish the desired information unless I provided more confidential information, I terminated the call. The attached e-mail exchange then ensued between Quicken Loans and me. I respectfully request CFPB to issue an opinion as to the merits of my claim that Regulation B does not apply to the information furnished by me and that Quicken Loans is not prohibited by Regulation B to expunge such information. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed many times inquires on XXXX, Equifax and XXXX that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: THE ATTACHED INFORMATION EXPLAINS BETTER. THIS IS A SUMMARY As a veteran with a XXXX XXXX and the single parent of XXXX children with XXXX, it is imperative that I have a vehicle for all of our medical appointments. Due to erroneous banking practices by XXXX XXXX XXXX XXXX which I initially filed a complaint for ( # XXXX XXXX ) and plan to re-file/re-open, I was late on a couple of payments with Capital One Auto Finance and tried several times to make payment arrangements via refinancing, lower monthly payment request, extra payments per month, and automatic deduction via their website. Unfortunately, to date, I received no response from Capital One Auto Finance until Monday,XX/XX/XXXX, four days after they repossessed the vehicle. My payments were $ XXXX+ per month for a XXXX XXXX XXXX total price $ 26,000+. I paid on time and ahead of schedule until activities by XXXX XXXX XXXX XXXX broke my record. As a XXXX veteran, I know that there are laws to protect us from fraudulent activities and unfair charges by companies and I am researching what else I can do. In the interim I would like the vehicle to be returned and all of the extra charges and fees to get it back dropped by Capital One Auto Finance. I am in desperate need of transportation and pray that this can be handled at your earliest convenience. Your website will only accommodate less than 10mb of information so I will send the rest via certified mail today. Thank for any assistance/information that you are able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've been paying off my Citibank student loan on time through an automatic transfer from my bank account for the last 4 years with the same rate. Recently, I received a call from a debt collector so I investigated what was going on in my account. Turns out, my interest rate increase from 7.25 % to 7.5 % in XXXX 2016. Because of this increase my bank did n't transfer the proper minimum amount which led to a small fee adding up over time and the debt collector call 5 months later. I went ahead and paid the balance but continue to receive calls from the debt collectors 5x or more per day. The only notice of this increase was hidden in my electronic statement the month of the increase. There was no warning and since I receive electronic statements that you have to login to review this was too easy to miss. I emailed Citibank about this issue and received this strange reply : " Interest rates for our private student loans are variable based on the 3-Month Prime Rate index as published in the Money Rates section of The XXXX XXXX XXXX, rounded up to the nearest one-eight percent plus a margin. The margin does not change ; only the Prime Rate is variable. Variable interest rates are adjusted quarterly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX based on the published 3-Month Prime Rate index 30 days prior to those dates. 

Private Loan interest rates have increased by .25 % for XX/XX/2016, effective XXXX XXXX, 2016? XXXX XXXX, 2016. The Prime Rate published in The XXXX XXXX XXXX on the reset date changed to 3.50 %. This is why your payment increased. The notice was on your statement. 

Your payment due on XXXX/XXXX/2016 has not been received. 

Please be aware that your account is past due. Collection activity will continue until this account is brought current by either making the payments due or through an approved deferment or forbearance. Remember, making your student loan payments on time may help you build and maintain a good credit history. '' I feel like I 'm being taken advantage of and need help. Thank you for looking into this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Medical) with Herbert P. Sears Co., Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX was paid in full years ago. My insurance covered most of the amount and I paid the rest. I have cancelled checks to prove it. 

Last year they sold the amount I had already paid to a collection agency. I disputed it and it was removed from the credit reports. Now, today I am notified that they have sold the same amount to another Collection agency. My credit score dropped over XXXX points in one day. 

This affects my interest rates. Do I need an attorney? It can take months to resolve this and I will be paying higher interest until it is solved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Discover Financial Services continues to report to XXXX and XXXX an alleged debt even though XXXX reports the last payment date as XXXX XXXX, XXXX. 
No payment have been made on this account since XXXX XXXX, I did however file a complaint with the CFPB in XXXX XXXX Case number XXXX ) and Discover credited this alleged account for a portion of the credit protection program premiums I had paid. XXXX failed to honor this program and I declined their offer to credit the amount they offered. They credited it anyway and then closed the account on XXXX XXXX, XXXX. They also sent a XXXX for XXXX and I paid taxes on the alleged debt. 
No payments were made on this account since XXXX and it is well past the 7 year time period and should be removed from my credit reports. 
I sent XXXX a letter on XXXX XXXX, XXXX asking them to remove this alleged debt from my credit reports but they have declined to do so. 
Thank you for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion was suppose to remove over XXXX inquiries from my credit report. Instead they added over XXXX inquiries to my report that are unknown, and should n't appear. Specifically. XXXX mortgage with datesXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. XXXX. Universal credit with dates of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. XXXX XXXX was n't given permission to run my credit on XX/XX/XXXX. XXXX XXXX for on XX/XX/XXXX unknown. XXXX on XX/XX/XXXX unknown. XXXX on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX was n't given permission to run my credit. XXXX was n't given permission on XX/XX/XXXX. 

These inquiries appear on all three bureaus : Transunion, XX/XX/XXXX, and XXXX. 

Please have these unauthorized inquiries removed 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 09-07-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2016 Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX DC XXXX Dear XXXX XXXX ; RE : SPS ACCOUNT : XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX Fax : ( XXXX ) XXXX XXXX : ADDITIONAL CLARITY XXXX I contacted SPS today and requested to speak to XXXX XXXX XXXX. 
Another employee intercepted the call and would not put my request forward. 
She informed me that my XXXX application was incomplete. I informed that that was impossible since I was approved for a short sell months ago. In fact, I was calling in order to up date SPS on the short sell activity. 

After waiting 19 minutes XXXX XXXX XXXX came on the phone. She as well spoke in a disjointed manner is haste before viewing and assessing the situation. She stated the previous employee is correct you need to provide more information. Information for what I said, I completed the XXXX application months go. She relied you need to provide more information on the short sale. 

The previous contact said nothing about the short sale nor did XXXX until I brought it into the conversation.. The continuity of picking up from the previous communication and rude arrogance of the phone contacts is deplorable. 

Please intervene and help. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (VA mortgage) with loanDepot.com, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: After finding a house with our realtor, she stated they had a lender in the same building and referred us to " their '' lending team. After a smooth transition from putting an offer on the home, to signing documents, we tried following up with how things are going. We did n't hear from there for a whole week after many tries. At the two week window before close of escrow and receiving paperwork to remove contingencies, we received notice we had to pay a medical judgment. We immediately wondering why would this come about at such a critical time? I looked into it further and saw were paying a 5 % VA loan in which all the closing cost are being applied to our loan when the lender has said they are paying for it. They beat around the bush when we ask for documents like the Desktop Underwriting which should have shown the steps to avoid our current situation. I have contacted other mortgage companies to compare and they have told me this is a scam. I am at a week to close and want to bring awareness and or legal help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest you didn't expect

Complaint: I took a loan in  XXXX     2016 for  {$550.00}. I called today to inquire about balance. The balance is over {$1000.00}. They said they charge a reoccurring finance fee. They are under " tribal law '' so they operate differently. They would only agree to stop the additional fees if I set up a payment arrangement for {$1000.00}.     My fault for not seeing or inquiring about tribal law. However doing business in t he US then US law s should prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Good day, I am writing this complaint, because while in the loan modification process. I have been advised that a sale date is still being scheduled on my property. I have been cooperating with the bank and going backa nd forth in submitting documents for a fair review to lower my monthly mortgage payement. Please help me out as I do n't want my property to go on sale. This is my home and my childrens home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Trans union credit reporting deleted 4 old accounts in good standing. This made my oldest account on my credit report less than two years old and dropping my credit score almost 200 points!

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both XXXX and Experian. 

I have tried contacting both credit bureaus about this, as well as XXXX XXXX XXXX, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XX/X/2017. 

This has been paid in full and should be noted as such on all three reports.

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 11/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016, I went to an ATM at the Chase Bank on XXXX in XXXX, NY to make a withdrawal for {$460.00}. When making the withdrawal, I took to long to take the {$460.00} out of the machine and the ATM took the {$460.00} back. I did not receive the {$460.00} from the ATM. I have been calling Chase 's claims department for almost XXXX weeks trying to have someone apply the credit back to my account. Every day that I call, the representatives continue to give me different time frames about when I 'm going to receive my credit. I just want my money applied back to my account. Can someone please help me???

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: I am very devastated with all the excuses SPS has used in order to prolong my loan and all the fraudulent actions that are being used against me to deny my loan for any assistance.This needs to stop! Our monthly income is {$3000.00} and my monthly expenses are for the amount of {$2500.00}, this includes my mortgage payment. I have a surplus of {$460.00} left at the end of the month. SPS has changed my income for their own advantage and to deny my loan.I have always provided my proof of income to SPS. However, SPS keeps forcing me to re-apply all the time. I am not working nor my husband and we only collect social security income and rental income. SPS has my rental lease and my Social security award letters for proof. However this seems to not be enough proof for SPS. My husband and I are elderly people and this is starting to affect our health. We just want to save our home and fighting our right as home owners. We did not want to do this but we are just tired and we are in desperate need of assistance. I am attaching proof of the last XXXX reviews done by SPS and you will see how my income has being changed for there own advantage. Please help us to stay in our house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I would like to remove the BK off my CB that has past its time frame of limtation.

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 12/19/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The entire premise for the 1st and 2nd complaint towards NCC Business Services was that when I called on XXXX/XXXX/XXXX I was told this account was open, when in fact my credit report showed it was closed ( proof is attached to 1st and 2nd complaints ). The representative offered a settlement which I had been told for 4 years they did n't do. Then on XXXX/XXXX/XXXX my credit report showed the account was back open ( proof is attached to 1st and 2nd complaints for this as well XXXX. I want an answer as to why I was told it was open on XXXX/XXXX/XXXX when it was n't according to my credit report and then they opened again the next day?! 

They did n't respond/answer to the reason I wrote this! Why was I told it was open on XXXX/XXXX/XXXX when it was n't and then they reopened it on XXXX/XXXX/XXXX after miraculously offering a settlement when for 4+ years they couldn't/would n't!? I have submitted proof of my credit report reporting and their calls are recorded. Pull the call on XXXX/XXXX/XXXX and listen to the fact that I ASKED IF IT WAS OPENED and was told YES and that they are COLLECTING ON IT - which was FALSE according to my credit reports and that it was CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On my credit report the bank /XXXX/ send me a Charge off. Midland Funding LLC has the same In collection!!!!! How is possible this???

Company response to consumer: Closed with explanation