milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've disputed several things with TransUnion and have not gotten a response of results. 
I disputed ; XXXX - have not provided sufficient proof of debt/was not validated XXXX- I sent several letters to company as well to TransUnion . Received return mail. Account was not validated for as amount charged which includes statement showing proof of purchase, company did not provide dunning letter prior to sending to collection agency - account was in dispute and nothing was done about it with the original company. 
Tax Lien which states released. Contact my local State Office which advised that it should have not been reported because it was paid. It do not show on any other Credit Bureaus. Advised that it need to be removed due to reporting in-accurate and hurting credit worthiness XXXX the amount is inaccurate, was not at that resident, disputed it and it came back resolved less than a week without proof. 
Sent removal of hard inquiry for XXXX to be removed, also notified the company, they advised they sent request of removal, was not removed, sent letter to TransUnion and it was not removed. I provided my info, however I advise the company I did not want to due business with them and they ran my credit anyways. 

Removal of inquiry XXXX under FCRA did not give permissible authorization

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 07-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I was reviewing my home loan and noticed something strange. The lender is NOT applying any funds I make above my payment to the principal. 
Instead they are holding those funds in a separate account that I can only presume that is interest bearing, for them. There is a note on my statement that says : " any partial payments that you make are not applied to your mortgage but are instead held in a separate un-applied funds account. If you pay the balance of a partial payment the funds will be applied to your balance. " I looked for clarification and this is what I found : Unapplied Funds Balance. If you send in less than a full payment, this will show the partial payment, which we 'll hold until enough money has been received to make up a full payment. Once a full payment is received, we 'll apply the funds to your account. 

I have been making payments above my min and my next scheduled payment is in XXXX. 
I am NOT and have NEVER been behind. Green Tree bought my loan from XXXX Bank and again I have NEVER been in any type of default status. 

IS it lawful to hold back overpayments? I want to make them apply these funds to my principal immediately instead of allowing them to have a " slush fund '' on the side for them. These " partial payments '' have been in the range of $ XXXX $ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: the Credit Reporting Agencies are showing a judgement for treatment at XXXX. I have NEVER been treated at XXXX ( XXXX ) and I provided them with evidence to proving that the debt does not belong to me. I pay my bills on time and have good credit other than this judgement. I need the CFBP to assist me to get this off my credit, it 's a terrible that the Credit Reporting Agency are allowed to report information that WRONG. They should not be allowed to have such a terrible impact on Responsible Consumer lives. I am relying on the CFBP to assist me to get this resolved. 
Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: I 'm always paying my balances with Chase freedom in full, and never had intention to pay late or not to pay. I 'm monitoring my credit report constantly, and recently found out that Chase Freedom Credit Card placed negative information on my credit report, stating that I was over 30 days late with my payment of {$78.00}. I recently moved, and did n't receive billing statements from Chase to my new address, and was n't aware of the payment due. 
I notified the post office about my move, but never received anything from Chase. 
I know that before placing my account in past due status, and reporting to Credit Bureaus, creditors usually try to contact clients by phone and or email. Chase Freedom has both : my phone number, and email, but never tried to contact me. When I found out about negative info on my credit report, I immediately contacted Chase, and paid full balance to them. I asked them to remove negative information from my credit report, but they said that they will credit me the late fee, considering my excellent paying record, but refused to remove negative information from my credit report. I feel that Chase made an error by not contacting me using other means available to them, and need to fix it by retrieving the negative entry from my credit report. 
I 'm in the process of applying for loan, and this negative entry reduced my credit score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me in a timely manner and it wasn't until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. They didn't attempt to assist me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late. They even tried withdrawing money from both accounts. Why was I not notified that there was an issue until it was too late? I could at least get an email. Please remove the late payment from the 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 10/18/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was called by PHH mortgage Corporation to refinance an existing loan that is in good standing. I sent them all the documents they asked for plus some showing my income and financial status, etc. Credit score is excellent. They initially approved the underwriting. I am XXXX and XXXX. I have income from two brokerage accounts. One account distributes IRA money and the second is using up some already taxed money before the IRA will be distributing funds to me. All this was disclosed upfront and they had brokerage account statements and bank account statements, etc. They are now declining the loan saying that I " have to use my IRA money ''. Today they declined the loan leaving me on the hook for processing fees when they knew from the start that they were not going to fund me if this is their positon because they had all the information from day one. Here I am trying to responsibly use my retirement money and they are trying to tell me how and when to use my IRA. This is deceptive practices, age discrimination, and they are not operating in good faith. The sole reason they are giving is that I need to use my IRA money for the monthly distributions. I need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Harpeth Financial Services, LLC (TN).
Issue: Struggling to pay your loan

Complaint: I got a flex loan with XXXX XXXX. The balance is now around {$4600.00} with an interest rate of 279.50 %. The payments are $ XXXX/month and I can not afford that. 

I have called the company and asked about lowering the interest rate, so that I can make affordable payments. They refused to lower the interest rate. I'm not trying to get out of paying the principal back, but I see no hope in even trying with such a high interest rate. 

I have learned my lesson. I will never do this again. We could work this out, if they will just be reasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Settlement process and costs

Complaint: I have a mortgage with Chase, loan number for my condo in XXXX which I have been paying regularly with automated payments for over two years. Last month, I decided to get my mortgage refinanced with XXXX as the rates provided by them are lower than my rate. Chase has informed XXXX that they have lost my mortgage note and hence are stonewalling my efforts to refinance my mortgage with their competitor. This is an outrage as it prevents the customer from getting the best deal possible from a competing institution. I need a remedy and assistance in resolving this matter as it is preventing me from achieving significant savings.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After a few years on unstable employment, I defaulted on my federal student debt and once able, I rehabilitated by debt through a Repayment Agreement Under the Loan Rehabilitation Program Supporting Request for Deletion of Derogatory Credit Rating Previously Reported By the Guarantor for Loan # XXXX - Account # XXXX. The agreement clearly states in Section ( 9 ) the removal of the default and a new entry for the rehabilitated loan. 
The XXXX. failed to fulfill Section ( 9 ) of this agreement. 
The XXXX rehabilitated loan payments required to rehabilitate the loan were made as of XX/XX/2015 and the loan guarantor has failed to notify the national credit bureaus of the deletion of the " derogatory credit rating '' as stated in Section ( 9 ) of the agreement. The defaulted entry was not cleared, instead it was updated to a derogatory credit rating. 
I have been writing to clear this inaccurate and non-relevant information per the agreement from my credit report since 2015 based on the language of the agreement with no success. This reads as a clear breach of the agreement written by my loan guarantor which I agreed entered into.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Navient has deemed a debt marked as  Default. R eopene d the Defaulted Loan and changed to Deliquent. There are no payments or any authorization for this this. The company  will not forward me any documentation in terms of payments and how much money was allocated towards these payments from before the loan became defaulted. Incorrect billing and lack of information from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (MD).
Issue: Managing the loan or lease

Complaint: I purchased a auto loan with CPS Consumer Portfolio Services Inc. on XXXX/XXXX/14, I informed them that the vehicle odometer was tampered with, and the dealership refused to pay my old auto loan off which damaged my credit. After reviewing my complaint. CPS informed me that this loan was null and vold because the Auto dealership violated their agreement with CPS, regarding opeing up a new loan with me because I had XXXX auto loans currently open. I ask CPS to provide me with a letter explaining this information before I return the car, because I was n't confident my credit would be safe without any documentation of our conversation. I never received a letter. The phone payment system stop processing any payments, and two weeks they repo the vehicle and they are not responding to my inquiries. I 'm afraid they are going to ruing my credit score and not going to remove this from my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: My issue is with XXXX ( website not working and costs $ $ $ ), Transunion ( costs $ $ $ ) and XXXX ( no security and insider trading ) for credit freezes.
My information was included in the XXXX hack and following instructions went to place a freeze on my credit report. The website does n't function and requires me to send in a variety of information over the mail. Additionally, it costs money each time I want to freeze/unfreeze my credit information.
I am 99 % certain if they had problems selling my information to others electronically they would place top priority on fixing those, but when it comes to protecting myself from the racket they are running its a pain in the @ $ .

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 (Credit card) with CITIBANK, N.A. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I brokered a deal with XXXX XXXX, extension XXXX to settle a debt I had with CITIBank, paying XXXX on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX I paid {$2000.00} and made payment arrangements for XXXX/XXXX/XXXX of {$200.00}, XXXX/XXXX/XXXX of {$200.00} and the last payment of {$200.00} on XXXX/XXXX/XXXX. I called on the date of the last payment of {$200.00} to arrange a payment a couple of days late. I was told by XXXX XXXX that the transaction was in process and that there was nothing I could do about it. I said the transaction had not showed up in my checking account she said there was nothing she could do or I could do. It came back insufficient funds and a few days later XXXX XXXX called and made an arrangement for the last payment of {$200.00} which was taken from my account on XXXX which cleared on XXXX. On XXXX XXXX XXXX called and told me that since I paid the last payment late that the agreement was null and void. I told her that I had made the last payment as agreed. I asked to talk to her supervisor she patched me through to XXXX XXXX got a voicemail. I finally reached him XXXX/XXXX/XXXX where he proceeded to tell me my deal was voided by my making the last payment late. XXXX XXXX called and tried to get me to make a commitment of paying the rest of the debt of {$4700.00} when I got my tax refund I told her my dad does my taxes and he usually waits until the last minute to do them. XXXX XXXX XXXX employed the same tactics they did before XXXX/XXXX/XXXX. They called my parents, my work, and me. They called my home and cell phone daily. My account was transfered to another person whom which I told I would not be receiving my income tax until XXXX and that I was not sure that I could pay them because of other obligations. It eventually ended up on XXXX XXXX 's XXXX, ex XXXX desk and I told her my history. She said she could see where my check came back insufficient funds thus voiding the settletment. She said that I could settle for {$1900.00} in Febuary and I told her that I did not have the money. She called me weekly to see If I got my refund yet and on XXXX/XXXX/XXXX she informed me that the offer was of the table and that she could settle for {$2600.00} which I did not have and that she did not want to see my debt go into litigation. I made payment arrangements for {$130.00} to be debited from my checking every month for the next 35 months which I 've been making. I just heard of you guys by reading an online article. I feel I do not owe the {$4500.00} as of XXXX, XXXX statement form XXXX. I thought my debt was settled when I made the arrangement for the missed last payment to be made on XXXX. I got some bad advice from XXXX from XXXX in XXXX who I thought was a part of the XXXX XXXX She advised me not to pay them another dime because my debt was settled.

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 10/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NAVY FEDERAL CREDIT UNION (DC).
Issue: Application, originator, mortgage broker

Complaint: Navy Federal Credit Union attempted to get my loan refinance by offering a 'Rate Match Guarantee. ' They then delayed and delayed the process to ensure my other bank rate would expire and then surreptitiously voided the deal they had with me. They had a criminally bad appraisal of my home done ( coming in over {$100000.00} lower than other appraisals ) and then told me they would use the appraisal of a different bank. After sufficent time passed for the rate I had from the other bank to expire, Navy Federal changed positions and insisted they could not use the appraisal of another bank but encouraged me to reapply for a loan at a much higher rate. This caused me to lose substantial rate savings and hurt my credit through multiple hard inquires.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Credit card debt) with ARS National Services, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I contacted XXXX XXXX first I put my last 4 of my acct in collections in and got connected to ARS. I told them could we agree on a price and get my acct PAID TO DELETE on my acct. They then told me that they do not report to the Bureaus, XXXX XXXX does so I would have to call them and they gave me the number. I then called, XXXX XXXX back, spoke with the 1st rep which said they would help then connected to the second rep in collections and I requested what I told the rep with ARS a Pay to Delete settlement. Well they said they will report Settled debt but do not honor PAY TO DELETE. Now I know they can do it but they are giving me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: all XXXX credit reports have a state tax lien that does n't belong to be. {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Due to financial setbacks in XX/XX/XXXX, we finally had to file for Bankruptcy in XX/XX/XXXX. We struggled to make all our payments and comply with the trustee guidelines. Throughout the process, US bank tried- on numerous occasions- to file a motion for relief of stay with the bankruptcy court but each time our attorneys fought for us. They even claimed that we did not make all of our payments through the bankruptcy and the attorneys had to go to court & produce records in conjunction with our records that we did. Finally, after XXXX painful years fighting US bank and paying off creditors, our Ch. XXXX was discharged in XXXX of XXXX. Sadly, the harassment by US bank continues. They failed to update their records and clear of a motion to foreclose on our property in XXXX. As a result, on XXXX XXXX, XXXX we received a letter dated XXXX XXXX, from XXXX XXXX XXXX that our mortgage has been referred to their firm for Foreclosure. This was a complete shock and re-opened wounds that we thought were healed! I spent much time on the phone trying to get this new matter cleared up and answers as to why this happened. They said they would take care of the matter. I ca n't put into words how discouraged and tired we are of the harassment by this bank. They have tried repeatedly over the years to seize our property. We are current on our loan! We did receive a loan modification during the Ch. XXXX but only after years of filling out applications and being denied repeatedly. We had to complain to this agency on that matter too. We have much equity in our house but because of the bankruptcy and a damaged credit history, we ca n't pull from it to get needed home repairs. US bank knows this. US bank is one of many banks that use their power to intimidate hard working homeowners and should be held accountable for their actions. We feel they have a vendetta against us and we should no longer suffer this emotional and financial torment.

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