milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 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 status incorrect

Complaint: I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of inquiry issue by TransUnion credit bureau. Multiple attempts to contact the bureau regarding this situation were not helpful. The bureau did not help to take care of the negative inquiries that were reported to my credit card report. 
The inquiries I would kindly ask you to remove from my account are the following : XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/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 05/22/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a XXXX XXXX and all of these collections that are medical in nature from XXXX XXXX XXXX. I asked them to do 2 things : 1. Please send me detailed billing because in the past every time I had a bill there I was " over charged '' or " charged for things not done or administered. ( Never Recieved! ) 2. I was willing ( after # XXXX ) to " combine '' what I did actually owe and pay them off or settle w/them. I CAN NOT GET VERIFICATION AND I WILL NOT BE XXXX AGAIN!! Please help me!!

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 08/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with ARVEST BANK GROUP, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I received a Chapter XXXX discharge of all my debts, and in XX/XX/XXXX, Central Morgage Company XXXX, a mortgage servicer, gave me a mortgage modification agreement in which they created an escrow account to pay all my taxes and insurance as is customary. In XXXX of this year, the tax collector XXXX came to my door with a letter saying I had 30 days to pay off over $! XXXX in back property taxes with penalties and interest for the tax year XXXX. Perhaps I thought the taxes had been discharged in the bankruptcy or that Central mortgage had included them in the escrow because I did not pay thoses taxes, nor did the XXXX XXXX tax Collector inform me that this debt was accruing. It turns out that in small print of their annual tax statement, there is a small note, amost too small to notice, that back taxes were outstanding. the terms they offered for paying these taxes were unreasonably harsh, so I submitted this bill to Central Mortgage which they forthwith paid in full to protect their own interest in the property. Now they want me to repay this tax bill at the rate of {$1100.00} per month on top of my {$2600.00} a month mortagage payment for a total of {$3700.00} per month. I told them that I could not afford this payment and asked them to either remodify my mortgage or to spread the tax bill out over a longer period of time to make my payment more reasonable. They took over a month to ponder my request and have just refused to take any steps to make myi payment more reasonable. I find this to be very unreasonable and woud like help in resolving this matter more to my favor lest I lose my home. Also, I would like to know if I have any legal recourse with resepect to this usorious and totally outrageous tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have checked my credit report that Experian sent and they claim to have verified data that is inaccurate. I was sent no proof, just a updated report with the same inaccuracies. I have attached a letter to prove the inaccuracies from the most updated report I received from them # XXXX. This is my due diligence to correct these inaccurate items. Any response that claims the verbiage is similar to a third party will be considered a stall tactic and recorded to support a claim in small claims court and a FTC complaint. Attached is my identification and letter proving the inaccuracies.

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 07-12-2016 about Debt collection (I do not know) with Caliber Home Loans, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This complaint pertains to : Caliber Home Loans , Inc, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, as Trustee for XXXX Master Participation Trust, and XXXX XXXX XXXX, XXXX. 

Issue : Attempting to collect a " debt '' and attempting foreclosure without possessing debt note and deed of trust. Did not provide meaningful response to multiple qualified written requests and debt dispute validation. Filed documents affecting interest in the property in violation of automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage has been nothing but a headache since my loan was transferred to them. I always make my payments within a 30 day time frame of when it 's due and some payments will post to my account the same day and other payments will post 11 days after the payment was made. This has caused a huge conflict with the way they are reporting the account on my credit report. All XXXX bureaus are showing totally different payment history. Each time I make a payment I draw a house on my calendar so that I can keep up with when the payments were made etc. I get confirmation numbers but the confirmation numbers never match what they have and they argue and refuse to fix the problem. The following months they have marked me late on my credit file and that is not the case. XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015 and never was I 30 days late for any of these payments. I will attach my calendar to show you the dates the payments were made compared to when they posted them as well as a chart I typed up showing the differences in how long it 's taking them to post my payments. This is rediculus and I 've had enough of it. I do n't understand how these mortgage companies continue to get sued but continue to XXXX the laws and get away with it. The mortgage payment is due on the XXXX of each month. XXXX was paid on the XXXX and only took them 1 day to post the payment, XXXX was paid on the XXXX which was a monday but it took them 3 days to post to my account, XXXX was paid on the XXXX and they posted it to my account the same day, XXXX was paid on the XXXX and it took them 11 days to post to my account, XXXX was paid on the XXXX and it took them 3 days to post the payment to my account, XXXX was paid on the XXXX and it took them 6 days to post the payment to my account and XXXX was paid on the XXXX and it took them 11 days to post to my account. Never have I paid 30 days late and there is a huge window as to when they wan to post payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I recently got a SouthWest Visa card. When I created a login account on the Chase website, I saw they had listed a XXXX account which is a XXXX Visa card. I do n't think I signed up for that card, ending in number XXXX. It was never activated, it was never used. So I asked the representative to waive the accumulated charges of late fees, interest and annual membership. They refused to waive the {$95.00} membership for an account that has never been used. I spoke to the supervisor, and she told me the same thing. This seems like a scam which XXXX XXXX has been recently doing. To charge a customer for something they never used. It would make sense if I 've been using a XXXX Visa card, and then ask for a {$95.00} waiver for an annual membership fee. Chase should automatically check their accounts to see if a card has not been used for a year, then consider it inactive and cancel it. Instead they keep adding up charges and tell the customer to pay for a product / service which was NEVER used

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Delinquent account

Complaint: There is a judgment against me from Citi Bank. This credit card did not belong to me. I never filled out an application for this card. I never had a credit card from this company with my name on it. I have contacted the collection agency for this account over 30 days ago and the collection agency states they still do not have a no response from Citi Bank. I contacted Citi Bank and they would give me absolutely no information and kept telling me to contact the collection agency again. Citi bank also told me over a week ago someone from their legal team would contact me. No one from Their legal department has contacted me. When I was married my ex husband had a Citi Bank card but I was never even an authorized user. I am not sure how his debt got put in my name. This judgement was placed on me without any notification. I was never served any court documents. This account dosent show on my credit report at all as being delinquent. Just out of no where a judgement was placed against me.

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 05-01-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There is a 2011 entry on Equifax 's report for me that I disputed in 2011 ... it reared it 's head again yesterday attempting to get power in my newly purchased condo. The collection agency named ( spoke with " XXXX XXXX '' at XXXX ) realizes that the last name of the person responsible for the debt is XXXX ... I am XXXX. I have discovered that Equifax did nothing to get this error removed from my report and they are totally non-responsive about it now. I need help from someone with authority to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.

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 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In XXXX I purchased a XXXX from XXXX in XXXX XXXX California. I provided them with my ssn and gave them permission to pull my credit ONLY ONCE my score was XXXX so there was no reason for them to continue to " shop my loan '' XXXX Pulled my credit for their own financing and they allowed XXXX other vendors to pull my credit they are all on the same day so its easy to know the purpose. I have repeatedly requested to have all inquires deleted except the initial pull and as of today they are still on my Experian Report and EXPERIAN has not removed them despite my requests. 
In XXXX i only authorized XXXX pulls of my credit, XXXX ( pulled twice for same apartment application ) XXXX time for my apartment and the utliities despite my ongoing efforts Experian has failed to clean up the UNAuthorized inquiries from XXXX and now again in XXXX as a result my credit score has lowered despite my perfect credit history.

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 07-08-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is showing on my credit reports as 30 days late. I have never been 30 days late. I disputed with them and the credit reporting companies. The response I got back was it was correct we are not going to change it. When I paid my bill for XXXX it was due the XXXX, I paid on the XXXX and asked in the store about why it is reporting 30 days late. Store employee told me that their cycle is XXXX to XXXX, so if you have n't paid by the XXXX it is reported as 30 days late. I attached a copy of the bill and receipt when I paid. XXXX has reported to the credit bureaus at least XXXX times like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit line increase/decrease

Complaint: On XXXX occasions within the last XXXX months, my credit card company reduced by credit limit by the amount in which I paid down my credit card balance, causing me to continuously have a high ratio and negatively affecting my credit score. For example, with a balance of {$700.00} I paid {$100.00} and my credit limit was reduced to {$600.00}. Recently, I paid my balance down to {$390.00} and my credit limit was reduced to {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (IL).
Issue: Credit decision / Underwriting

Complaint: Nationwide biweekly mortgage reducer ( Interest Minimizer ) mislead me into thinking I would reduce the term of my loan while saving money if I added them as a third party to pay my mortgage payments biweekly. They charged me a " XXXX time '' setup fee of {$590.00} which I would like to be refuded as soon as possible. I was mislead by this unfair company. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (ND).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company CCS XXXX ( as appears on my caller I.D . ) calls my number repeatedly. Their number is XXXX. I looked on line as to who they may be and they are a debt collection agency. I have no debt I owe to anyone or any debts released in bankruptcy. I personally have great credit. In short, why are they calling me? My guess is they have a collection with someone with the same surname or close to the same spelling in North Dakota and continue to call my number to pry for information. Here is a list of the dates and times they have called from XX/XX/XXXX to XXXX XXXX, 2017. They have called numerous times before as well but this list is only after I started keeping track : XX/XX/XXXX, XXXX XXXX, and XXXX XXXX XX/XX/XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: I ASKED BEFORE CASHING A CHECK THAT IT BE VERIFIED AND WAS TOLD IT WAS GOOD. IN FACT IT WAS N'T AND NOW I AM BEING PENALIZED AS OWING AND REPORTED TO 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 10/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out XXXX sets of Stafford loans XX/XX/XXXX and XX/XX/XXXX to attend graduate school. The original lender was XXXX XXXX. Currently Navient holds the loans. 
The loans are as follows : XX/XX/XXXX {$8500.00} 2.65 % subsidized XX/XX/XXXX {$10000.00} 6.8 % unsubsidized XX/XX/XXXX {$8500.00} 2.65 % subsidized XX/XX/XXXX {$10000.00} 6.8 % unsubsidized Over the years, I requested that the oldest loan with highest interest rate be paid off first. This never happened. I requested over and over on phone and enclosed with check. Again, it never happened. Now, the XXXX newest loans are paid in full and I still owe thousands of dollars. This is interest which they created by manipulating the allocation of my payments in a manner in which I directly asked not to happen. 

I graduated the actual week the market crashed in XX/XX/XXXX and I rarely make the same income I did since XX/XX/XXXX when the loans were issued. This was not my plan. So I definitely do not want to pay any additional interest on these loans. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Consumer Loan (Installment loan) with Midwest Finance Corporation (TX).
Issue: Problems when you are unable to pay

Complaint: I am not disputing the loan in question. I notified the office of my inability to pay and that I would contact when I would be able to start payments again. I mailed a certified letter on XXXX/XXXX/2015 after receiving a visit to my home with a threatening note of coming to my job. The letter will be attached. I received a call at my job from Midwest today with the threat to come to my place of employment by XXXX XXXX/XXXX/15 after my written request that they only contact me by correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing disputes

Complaint: On XX/XX/2016 my husband had brought his XXXX and enjoy the park. I fell ill at the park, so my husband rented a wheelchair in order to get me from the park to the parking lot. My husband, XXXX XXXX, understood that the charge for the wheelchair rental was {$25.00} with a {$25.00} deposit. He rented the wheelchair at XXXX and returned the wheelchair at XXXX. Instead of refunding the {$25.00} deposit, the clerk charged him an additional {$50.00}. He was in a hurry to get back to his XXXX and did not double check the receipt. My husband was in error by not double checking the receipt, but that in no way entitles XXXX to {$75.00} additional funds. 
Chase initially took the charges off, but added a {$50.00} charge back to my account XX/XX/2016, even though we had faxed a notice to them on XX/XX/2016 that the amount was still in dispute. XXXX is claiming the charges are legitimate because there are two receipts, even though it has been explained that the second receipt should have had a refund of {$25.00} and not another {$50.00} charge. 
We are unable to reach anyone by phone at Chase or XXXX to resolve this. They call, but there is no caller id and I do not answer unidentified callers. They leave a message and we call back, but they are always away from their desk and do not return our calls. 
I sent them a notice today by fax at XXXX CDT that they needed to call us back by XXXX today or I would be filing this complaint. There was, of course, no return phone call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2015 about Consumer Loan (Vehicle loan) with CarFinance Capital LLC (KY).
Issue: Problems when you are unable to pay

Complaint: It was on Thursday XX/XX/2015. Car Finance, our auto loan company, called our home at XXXX, just as we were going to sleep. This was very aggravating and disturbing.I had already advised them it would probably be two weeks before I could make my next payment, I resent this kind of harassment at such a late hour!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation