milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Struggling to pay mortgage

Complaint: Regulatory Case : XXXX Propose Resolution date XX/XX/17 I have called XXXX XXXX XXXX and spoke to XXXX XXXX who requested I sent documents. I sent the documents and he said, I have a new point of contact, XXXX XXXX XXXX who refused to speak or give me status on modification. He said the sale is moving forward and nothing can stop it. He hang up the phone when I insisted I want to speak with supervisor. He said no once else will tell me anything more than selling the home so, I should not try. I insisted, but hang up the phone. 

I need Bayview to stop the foreclosure and continue with loan modification with documents I sent to them. It is not acceptable to foreclose while modification is not completed. I am not even given a chance to know how much money I owe. XXXX XXXX said nothing can stop the sale. 

CFPB, please escalate this case, and accept nothing from stopping the sale to continue with modification. Bayview is lying that they are working on the case. Their work out is to sell the house as confirmed by XXXX. The resolution date of XX/XX/17 is passed the sale date. They would return a resolution that the home is sold. 

I do not want this, I want a modification to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: By first name is spelled incorrectly.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/ I received a fax from XXXX XXXX   showing my account was closed and paid in full with a XXXX   balance. I'm in the process of purchasing a new home for my family and the lender told me i had a recent late payment from XX/XX/ from XXXX XXXX. When i contacted them about the problem they told me i had some sort of late fees which was never brought to my attention at the time that i paid the account off in full. Then i pay the so called late fee which was in the amount of {$27.00} in which they credited back to me but refused to remove the late payment in XXXX which cant be correct because the account was closed and paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A family member of mine opened a XXXX credit card In my name and ran up the bill, now my credit score is poor because of it.

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 04/16/2018 about Debt collection (Federal student loan debt) with Allied Interstate LLC (MT).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Allied Interstate has contacted me via mail and telephone to collect on what I can only assume is my student loan. This is a problem as my loan is on a Federal government calculated payment plan of {$0.00} per month. I was called on XX/XX/XXXX, from XXXX ( XXXX ) XXXX, and I spent 11 minutes on the phone with the individual. I had to ask them repeatedly, taking about ten minutes to get an answer, for the name of the company they were calling on the behalf of. I was called on XX/XX/XXXX, from XXXX ( XXXX ) XXXX, and I spent almost a minute trying to get the name of the company from the caller. I wasn't told the name of the company that the individual was calling for. They are spoofing their location, to appear close to my location. One of the many calls not cited above, I answered by saying, " You do realize that spoofing your location to look like you're close to me makes you look quite XXXX, right? '' The man responded by asking me something like, " Wait, you're not in XXXX, CA? '' That's quite indicative of them thinking that I'm in California, and that they want me to think that they are too. The paperwork they have sent me has a request for {$11000.00}. I have repeatedly asked for proof that they own this debt, and they have repeatedly ignored my request. I refuse to hand over my payment information to a company that can not prove that I am in debt to them. I have also received calls from XXXX, CA ; XXXX, CA ; XXXX, UT ; and XXXX, CA. I refuse to answer these calls, as Allied Interstate refuses to prove that I am legally owe them money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to the Portfolio Recovery Associates Group and requested they only contact me by mail. I received a call on XX/XX/XXXX at XXXX from PRA at ( XXXX ) XXXX and the representative informed me the documents I requested were mailed to an address that I confirmed is not mine. It upsets me to know my personal and private information have been shared due to improper validation of this debt and Im sure it is unlawful for the collection agency to share consumer information in such a way. Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by PRA Group regarding this account and furthermore I received another call from them on XX/XX/XXXX @ XXXX XXXX from ( XXXX ) XXXX. I have submitted this complaint in attempts to have this debt verified and this account investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 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: Old information reappears or never goes away

Complaint: After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX  or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original open date is reporting XX/XX/2011 which is more than 7 years of negative reporting on my credit. This same company has also been reporting under XXXX XXXX XXXX XXXX for the same account and dollar amount. They also garnished my Federal Tax Refund for {$1200.00} well over 7 years ago to repay the amount they are still claiming owed.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
I have had [ 2 ] fraud events traced back to Equifax data breach ; both handled by my credit union 's fraud department Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Every month my federal student loan payment is automatically deducted from my account. My XX/XX/XXXX payment was deducted and I noticed the amount was higher than before. I compared my XX/XX/2017 statement to XX/XX/2017 and noticed the interest rates were different ; higher XX/XX/XXXX. I never received a notice from Navient that the interest rate or the amount would change. These are the loans from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX an annual fee of {$59.00} was posted to my account. I received and activated this card duringXX/XX/XXXX, 9 months ago. Contacted the bank advised them that the fee needed to be removed since I have not had this card for one year. They refused to do so. 

This problem stems from the bank having a faulty application process. When I applied for a credit card in XX/XX/XXXX there was no provision to provide a mailing address. The card was sent to my physical address where I had a forwarding order in effect. The card was returned to the bank. Subsequently I contacted the bank. They opened a new account and sent me a new card, which I activated and used. The bank claimed that the annual period started in XX/XX/XXXX when they sent a card to my physical address and then subsequently returned.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I have recently tried to obtain a few new secured credit cards. For all of them, I received letters in the mail saying that my applications were pending due to being unable to contact me regarding a security freeze on my credit. The phone number listed in the consumer statement is one I have not used in over 10 years - which is how I know this freeze could n't possibly have been initiated by me. In fact I only remembered the number once I saw it in these letters from the creditors. <P/>Several other applications were denied based on the creditors ' inability to get in touch with me at the number listed on the consumer statement. <P/>So now I have several points off my credit score for inquiries that otherwise would 've resulted in new credit card accounts, a higher overall credit limit, and thus a better score. <P/>I was able to get in touch with Transunion via telephone to update my file information. The agent told me the security freeze was initiated by XXXX but of course I do n't know how to verify that information. <P/>I sent letters to XXXX and XXXX via USPS mail in efforts to get these security freezes lifted.

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 12/28/2015 about Bank account or service ((CD) Certificate of deposit) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.

Company response to consumer: Closed
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX PA XXXX EQUIFAX XXXX, GA XXXX XXXX CREDIT FILE : XX/XX/XXXX Notice of intent to file Complaint To Whom It May Concern : I have been in contact with the Equifax since XX/XX/XXXX, This letter to formally inform you that I have filed complaints against you municipal court of XXXX. 
I have sent you a copy of my creditor that these files have to be removed. 
Items 1. XXXX # XXXX 2. XXXX # XXXX 3. XXXX # XXXX Has been reported in XX/XX/XXXX and XX/XX/XXXX 1. Under the state of Massachusetts law, the duration of the item remaining on credit report is 5 years. Today is XX/XX/XXXX, way past 5 years. 
My current state of PA is 4 years. 
2. Under Massachusetts law, the credit reporting agency must verify and have letter of verification see the attachments from MASS.GOV in the attachments 3. I also submitted a letter from the department of education that you did not verify the debt. 

Failure to comply with these state and federal regulations by credit reporting agencies is a violation of the law. ( see 15 USC 41, et seg. ) My question to you how you verified these accounts belongs to me. If you fail to send me the verification of original information from these agencies you must delete it from my account immediately. 
Please provide me a complete copy of all of the information that was transmitted to the data furnished as part of the investigation, as required by FCRA : whom did you speak with? What was the date? How long was the conversation? What is the position of your employee that spoke to the creditor? I have clearly asked to respond with 15days. Please see the attach document from the department of education, that asking you to delete the disputed items. Please read the letter from the department of education and delete the disputed items Any further delay in inexcusable Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Did not receive any notification from Stellar Recovery about a debt collection that suddenly appeared on my credit report. I have no idea what it is for, I have been provided no opportunity to dispute or satisfy any debt collection action prior to it simply showing up on my credit report that I monitor constantly. I have been building my credit steadily over the past few years and this wiped almost XXXX points off of the estimated score, which directly affects my ability to pursue financing for my small business and personal necessities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (LA).
Issue: Settlement process and costs

Complaint: My house flooded during the recent flood in La. I have flood insurance, and a check was written to cover damages. However, it is made out to me and the mortgage company. All of the damage to my house is cosmetic, sheetrock, paint, and flooring. I have XXXX. Despite these facts, my mortgage company will not let me self repair, they say I must use a contractor. Contractors are backed up for months with work, and prices are double and triple what they would be under normal circumstances. I have asked the mortgage company to release part of the money so I can obtain materials and do these repairs myself. They refuse. I desperately need this money so I can repair my home, and need them to allow self repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I am trying to track the person who cashed a check from my Chase Bank account. The person 's bank account number or bank information is NOT on the check. Chase Bank refuses to open a fraud investigation with the bank where the check was presented, They are engaging in fraud and negligence. Instead of them reading these complaints, they have auto-replies. They have not replied with the information needed to determine who cashed the check. They simply are reading the name on the FRONT of the check, not the back. Well, these complaints will keep coming until they open a fraud investigation. I went into Chase bank and requested them to open an investigation. I was told to open a police report. My response was I ca n't open a police investigation until I know who cashed the check. I contacted XXXX and was told that the numbers on the back of the cleared check DO NOT BELONG TO AN ACCOUNT WITH THEM, Chase Bank is grossly negligent and unprofessional. These complaints will NOT cease until they open an investigation with the bank where the check was cashed because Chase Bank is responsible for knowing who they give money to from customers accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unlawfully add inquiry to 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 Debt collection (Credit card) with Forster & Garbus LLP (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been harassed and overcharged by XXXX since I opened the account in XXXX 2011. Now they have forwarded the account to Foster and Garbus LLP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened a XXXX XXXX card with Chase which gives you a {$300.00} travel credit every year. I spend over {$100.00} on a ticket to Florida and thought that chase would automatically credit it back on my account. Chase recently closed down my account for unknown reasons ( a compliant for another time ) and I called them to see what happened with my travel credit that I never received. They said they will refund me but when the representative tried to process it the system would not let as it was past 4 months claim time and my account is closed they cant give me the one time waiver. First of all they closed my account and second of all they should still be able to give the waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Checking or savings account (Checking account) with U.S. BANCORP (MO).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XXXX XXXX i received a flyer to my address from XXXX with the advertisement of XXXX $ bonus offer for opening a checking account after completing XXXX $ recurring direct deposits with in 60 days of the account opening. 
The flyer did not mention what qualifies as direct deposit anywhere, and US bank has failed to send me the proof that they did communicate to me the specifics of what qualifies as direct deposits when i called them about the bonus at the time of account opening. 

I opened my Us bank checking account around XXXX/XXXX/XXXX and I completed XXXX $ recurring direct deposits requirements on the following dates. On XXXX/XXXX/XXXX for the amount of XXXX XXXX and on XXXX/XXXX/XXXX for the amount of XXXX $ and on XXXX/XXXX/XXXX for the amount of XXXX $ and I emailed Us bank asking about about the bonus. 
Someone named XXXX from us bank customer service confirmed that the bonus code was attached to my account and asked me send a copy of the flyer, which i scanned and uploaded. After few days i again emailed her asking for the update, this time she said that she received the copy of the flyer targetted to my address but my account needs to be reviewed by a senior banker for the bonus. 

A week after my initial email they got back to me saying they can not give me bonus because i have not made 'qualifying direct deposits '. 

I did what XXXX advertised nothing less. If they did not specify on the flyer what qualifies for them as direct deposit then its indeed false advertising and fraud. 

I bank with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX they consider my direct deposits as qualifying therefore i was confident my direct deposits qualify here as well but Us bank not only 'omitted ' specifying what qualifies as direct deposit on their flyer, they also are refusing to furnish proof that they communicated this to me at the time of account opening. 
I feel therefore i am eligible for the bonus that was advertised on the flyer that was targetted to my address and I humbly request CFPB to act on my behalf in helping me obtain the Bonus from US BANK for completing the requirements as specified on the flyer that i i received from US BANK. I have attached with this complaint the following pdf documents.
1. Copy of the flyer front and back with the terms and details.
2. My us bank direct deposits transaction history showing my 3 direct deposits above XXXX {$3.00} my correspondence with XXXX from us  bank customer service department. 

Please do the needful Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief