milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TN).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I 'm having trouble with Equifax. They showed my credit report on XXXX XXXX at almost XXXX one week and then in one week I checked it again and it showed XXXX. Anyway it dropped XXXX points without any reason in one week. I pulled a credit report and nothing had changed since I last checked it. I tried to get Equifax to tell me what happened or if something was wrong but all I got was there is no hard inquiries on your report and that I would have to purchase a copy of my credit score. I just ca n't comprehend why XXXX XXXX and XXXX has my score at XXXX but Equifax has it much lower. I do n't know if Equifax is trying to force me into purchasing a credit score or what!

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing disputes

Complaint: Credit card was paid in full through Chase banks automatied system. Chase sent the following statement saying interest was due. Who is this possible if you are using there automatied system and paying off a credit card with all current transactions. There was a XXXX balance on XX/XX/2017 and then interest charged on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: XXXX residents -husband & wife ( Borrowers ) existing CitiMortgage clients. CitiMortgage ( Lender ) maintains current mortgage, originating XX/XX/XXXX. 
XX/XX/XXXX, borrowers initiate refinance effort aimed at paying off existing lender loan. Initiation with lender rep complainant will refer to her as " XXXX '' - XX/XX/XXXX : Lender : " unable to originate a new loan '' due to XXXX Assessment on property. Twelve weeks after initiation. Why twelve weeks?! 
XX/XX/XXXX - XXXX County Tax Assessors Office forwards borrower 's updated/most current Property Tax Information to CitiMortgage Tax Department. Tax statement reflects the obvious and significant increase to borrower 's property tax bill as a result of an " XXXX '' ( XXXX Assessment ) loan. 
Elevated tax bill, increases borrower 's monthly payment to lender from XXXX to {$3100.00} - These increases additionally reflected in " CitiMortgage Escrow Account Disclosure Statement '' funds of which disbursed on XX/XX/XXXX and reflected in the " Annual Escrow Analysis '' produced/forwarded to borrowers by lender XX/XX/XXXX. 
XX/XX/XXXX, - Borrowers email, PdF full color copy of their XXXX County Tax Assessor 's Statement to XXXX, text includes directing XXXX 's attention directly to line item where the XXXX Loan ( XXXX Assessment ) is listed. Increase to the tax bill-again-clearly reflected and assigned directly to property tax bill. 
XX/XX/XXXX Borrower apprised by XXXX Program Subordination Mgr, that not only has lender previously entered into refinancing with XXXX Loans appropriately and satisfactorily subordinated to second position, lender loans have been funded - fully recorded - and are part of the public record. 
Is there some type of discriminatory or other bias against these borrowers present in this failed transaction? 
It can not be articulated strongly enough, that XXXX provided not XXXX, but XXXX separate, fully binding and compliant subordination 's to Citi upon request.

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 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jomax, LLC (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a claim on my insurance for XXXX from XXXX XXXX XXXX XXXX. Claim # XXXX I have paid the company the collection agency is charging XXXX file # XXXX more then the amount owed

Company response to consumer: Untimely response
Consumer complaint received 03/13/2017 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a private student loan that was sent to court in XXXX 2015. Per the court case, the loan was dismissed with prejudice by a judge in XXXX 2015 in my favor. The loan is still showing on my credit reports from all XXXX credit bureaus after sending disputes in per my attorneys request in 2015. This is preventing me from purchasing a home at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (I do not know) with ERC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I obtain a copy of my credit report. XXXX is showing a bill for {$1300.00}. I have never been notified of this debt. I have disputed this with the credit bureaus and was advised this had been validated. No information has been provided to me with proof of the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (VA mortgage) with FIRSTBANK PUERTO RICO (PR).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a house with a Veterans Administration ( VA ) loan. It was discovered that the house has an illegal septic tank that doesnt meet the minimum legal requirements. The house is located in XXXX XXXX, XXXX XXXX. XXXX XXXX law says that the septic tank should be located more than XXXX feet away from the house. [ unintelligible perhaps According to the lenders notice ], the appraiser agreed that it had to be inspected by the Department of Health for certification. It was not inspected and the closing on the loan took place anyway. I just got that inspection done, and the septic tank is not in compliance for the closing on the mortgage loan to have occurred. I stopped making payments, and the bank damaged my credit. The house cant be sold. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In early XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was datedXX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until early XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX on XX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone onXX/XX/XXXX. That is reflected on my Bank statement onXX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the XXXX they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied XXXX with all of the information. XXXX is NO HELP AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: Complaint number  XXXX  is not resolved. Although  XXXX  does not appear on my Equifax report ...  XXXX  representing  XXXX  still appears.   XXXX   and   XXXX   have removed both  XXXX  and  XXXX .     Attachment s : # 1 and # 2 : Emai ls from  XXXX  that their error is completed.    # 3 : C urrent report from Equifax showing the unauthorized inquiry of  XXXX  is still on my credit-report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company popped up on my credit report out of the blue. They say I owe XXXX money which is impossible because I have been with XXXX for years and I would n't be able to continue service with an outstanding balance. I contacted XXXX and they have no record of the account. I attempted to get the account removed from my credit reports but they are saying the debt is valid. So if XXXX has no record and i am a current XXXX customer, and have been since 2008, how can i owe them money?

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 12/30/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is a direct dispute with Equifax. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XXXX 2011. they have me listed as a 30 day late in XXXX 2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XXXX payment, The motorcycle was stolen. the next payment date was XX/XX/XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XX/XX/XXXX. Therefore according to the XXXX XXXX resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on XX/XX/XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Equifax has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XX/XX/XXXX. I 'm not going to keep going back and forth with Equifax , XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My debt burden on my student loans is high. I contacted Navient this morning to ask about lower payments on private loans for which I have a co-signer. XXXX XXXX XXXX in collections explained that he would have to pull the credit report of both me and the co-signer in order to see if lower payments were possible. I explained that I wanted to address this on my own as I did not want to burden the co-signer with having their credit report pulled and them having to produce financial statements, etc. XXXX XXXX said then I have to pay the loan as is and reminded me that I am 10 days past due and demanded a time certain when the bill would be paid. I said to XXXX XXXX that I would pay when I could. He then said that since I am " refusing to pay '', collection efforts would continue and the co-signer would continue to be called. I said, XXXX XXXX I have not indicated a refusal to pay. I have said I will take care of it when I can. XXXX XXXX got aggressive and belligerent and threatened to terminate the call. I told him I am now recording the conversation. He said that I did not have permission. I replied, then you do not have permission to record me either. He continued his aggressive language and threatened me with more collection efforts. 
I am baffled that : 1 ) My loan is 10 days past due and I am being treated like a criminal by Navient 2 ) I am willing to pay, ask for a reduced payment amount and Navient is making it difficult. 
3 ) XXXX would take on such a aggressive demeanor when I called to find out about payment options for a bill that has not even gone 30 days past due. 

The interaction with Navient is XXXX and need not be.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Acct # : XXXX Dear XXXX XXXX XXXX, I have received a Medical collection letter from you regarding a debt in the amount of {$180.00}. Though the letter is dated XX/XX/XXXX, I have only received it in XXXX and by XX/XX/XXXX it was already added to my credit report which has  grossly damaged my credit. The letter that you provided was the first letter of it's kind that I received from you and I did not have enough time to accurately verified if the debt is legitimate. I did not know of this debt before nor did I received any information about this debt until now. {$180.00} is a such a small amount and could have welcome the opportunity to resolve the matter before damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America converted my mother 's echecking account ( with no monthly fee ) into regular checking account ( with $ XXXX monthly fee unless certain conditions meet ), without properly notify the customer. My mother is a XXXX with limited english. She did not receive any communication with account change in XXXX language. She has her profile set to XXXX language as primary language with Bank of America. She thought everything was safe with her account since she had not been charged anything in last few years. She demanded to have the fee refunded and was declined by Bank of America. BoA prays on immigrants with limited english proficiency, and did not communicate in her native language.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion has ignored my request by constantly running around the issue. They yet to explained why an account that shows Paid in Full by the borrower on XX/XX/2015 TransUnion continues to report a 90 days late payment on XX/XX/2015. Even their own report makes no sense as they report the account " OK '' for all previous months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 90 days late on XX/XX/XXXX. I 'm attaching a picture ( sorry can not upload the document to my PC ) of the document proving my claim. They keep sending notice of investigation closed without addressing or changing the negative report. Neither an explanation of how they arrived at the same conclusion than before. TransUnion is in violation U.S.C. 1681i 611-15 ( 4 ) ; ( 5 ) ( A ) ( i ) ; ( 6 ) ; ( 7 ) ( 8 ) The complete arrogance and indifference demonstrated by Transunion is beyond justification. Specially, since other consumer reporting company have corrected it by deleting the same negative item from their 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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: When they changed my address they put a typo in your first name. Now the want me to send them info in the mail that Im not comfortable with, like my social security number. They ask for Id, s I dont have like bills with my name that are in my husbands name and aXXXX ; Im retired. The dozens of questions they ask for me to verify who I am are ridiculous. They seem unable to go back three months and see my correct name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Problems caused by my funds being low

Complaint: Bank is drafting intentionally drafting ACH charges in order of highest dollar amount first so they can collect more overdraft fees. This caused my account to accumulate XXXX additional fees than if they had paid the items smallest to largest first. The reasoning the representatives give over the phone is " we consider the higher dollar items more important in pay order than lower dollar items '' meaning that if they were going to reject payment of an Item they would rather reject payment of the smaller items than the big item. Of course this makes no sense because even after paying the largest item first they still pay the smaller items and still collect extra fees and nothing ever gets rejected on my account because they know with my direct deposit that money coming in is a sure thing. When I asked them to reverse the XXXX unnecessary fees I was told I had already received XXXX complimentary fee reversals for the year so they could not refund the fees. After asking to be escalated twice to a higher person I was told the next person would have to call me back in about two hours. That was approximately 2 days ago and still no call back. So now in addition to not fixing their wrong in the first place they are not calling me back as I was promised. This ACH payment order seems to me an obvious and blatant way to collect more fees from consumers already struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I paid on X/XX/2017 with my American Express for car rental in Amount {$720.00}. I used my American Express card because it has car insurance. About 3 weeks after I have return my car I had additional charge on my CC in amount {$250.00} from different company that I paid for car rental. It was probably subcontractor to original rental contract.

I have disputed this transaction and turned over to American Express Insurance for investigate. They investigated and sent me letter with information that I used XXXX XXXX  to pay for this rental, not American Express. I think it is fraud on American Express side since {$720.00} charge is shown on my statement and I have paid this charge.

American Express re-posted transaction in amount of {$250.00} on my statement. If this is true they should refund {$720.00} since they are saying that I did n't pay for my rental with American Express.

Regardless I should not spend 3 month disputing this charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX XXXX I went foreclosure due my financial hardship of income loss and my sons condition he was having with his XXXX and XXXX.. I recently did a uniform borrower assistance form for Bank of America and in XX/XX/XXXX I was denied a loan modification on XXXX XXXX XXXX .. I appealed and was denied on XXXX XXXX because they said I did not have a Financial hardship and my Income was the same and my bills are not higher than my income. I Fax all my housing expense documents to Bank of America pertaining my job loss, bills and home insurance premiums property taxes and they still did not look this through and waited to the last minute to call me. I also told Bank America my mom does not help me anymore and that was a loss of income I dont get anymore. I also was not gived a written notice to prevent a foreclosure for my home.

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 02-08-2016 about Debt collection (I do not know) with CREDIT ACCEPTANCE CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have contacted Credit Acceptance 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, XXXX has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX

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