milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: So XXXX XXXX XXXX XXXX is reporting negatively on my credit report. Got in contact with Equifax and told them that this company is n't to be trusted due to the inconsistency with this account. I filed a complaint with CFPB case number # XXXX against XXXX XXXX XXXX XXXX on XXXX/XXXX/2016 they finally responded on XXXX/XXXX/16 stating that they need a few more days. Today XXXX/XXXX/16 is the 61 day and they have yet to respond. I want this account removed from my credit profile immediately. I do n't have another 60 days for the credit bureau to reinvestigate. Everything that they need will be uploaded with this complaint. If the credit bureau ca n't get this item removed within 15 days of receipt of this complaint I have no other choice but to file litigation against them. 
Per XXXX. Procedure in Case of Disputed Accuracy Reinvestigations of Disputed Information 1. Reinvestigation Required - If the completeness or accuracy of any item of information contained in a consumer 's ( applicant 's ) file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 I received an email from Nationstar that my home mortgage loan servicer was changed from XXXX to Nationstar. On XX/XX/2016 I received a privacy form letter from Nationstar stating that I could opt out of my information being provided by Nationstar to non-affiliates, etc., to market to me. Responding to this letter to indicate that I do n't want my information provided to such entities requires my Nationstar loan no. I called Nationstar to get my loan no., and was told it was not available because Nationstar just bought several other servicers and they are very busy inputting all of the data, but that there will be no late payment penalties for the first two months, presumably because it will take that much time for them to get me a loan no. so that I can make my mortgage payments. My concern is that many people will forget about this privacy letter between the time they receive it and the time they receive their loan no., thereby thwarting the purpose of the law. I would like to see Nationstar re-send the privacy notice with, or shortly after, it sends out the notice of everyone 's new loan no 's.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/XXXX I have an ER visit to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX this facility was getting absorb by XXXX XXXX XXXX Went there for a XXXX got administered medication and left the facility same day -- I got an XXXX that explained to me that insurance will treat claim as In Network and my responsibility will be my deductible + Copay amount total {$390.00}. At that time called Insurance and told them to revise claim and never heard anything or got anything else on the Mail advising resolution. Called Hospital and explained and they promise to advise me of situation before turning anything over to a collections agency. 

I moved to another address as advise Hospital of such -- My insurance also shows a bill from the DR who did not took care of me and explained to them nobody but my sister was with me while they administer the medication since IV was put on by paramedics. again asked of itimized bill of charges and they told it was still under process. Never got me a Bill. since I did not receive anything I thought this was resolve. 

This weekend Saturday XXXX/XXXX/XXXX I got a Bill from XXXX XXXX XXXX for {$3300.00} -- -- So I called Hospital for more information while I checked XXXX for XXXX and realized hospital filed same claim XXXX different times against my insurance and when they got pay already {$610.00} for the bill. When open on detail for what is being file I also see duplicate charges -- asked for the hospital on a detailed statement and explained I did not have services worth {$3000.00} and they said they will send me something but situation was already out of their hands since account in now in collections. 

After this I proceed to contact collection agency -- find out they decided to turned this over XXXX/XXXX/XXXX for {$3300.00} and explained Representative XXXX ID XXXX about it and insist not too report this against my credit since some charges on the bill will be review and hospital told me to wait on bill and gave them a call -- He made me understood will report against my credit in 30 days but I told him not to report since Bill is under investigation. 

I feel Hopeless this collection agency established in California does not care. this causing lots of stress and recently have a baby going thru to XXXX. I strongly believe hospital not even have fraudulent charges but also how to get more money ouf of insurance and never contacted insurance or even send me notification of this totally unethical. 

Please advise -- collection agency have no signed document that allows then to have my XXXX neither I signed anything release on the hospital so as know violating my right for unfair collections practices but also in violation of XXXX, I also have copies of XXXX if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Advertising and marketing

Complaint: I signed up for an Amazon Prime store card ( for amazon.com ). This card is issued by Synchrony Bank. When signing up, I was told as part of the marketing that I can manage my account and pay online. 

When I went to sign up, I ran into multiple issues. First, I was unable to sign up because the online software would not display my phone number as they require multi-factor authentication. After that was resolved over the phone ( They said the issue was that they had my home number and my cell number as the same number ), I tried to continue. I reached the part of the sign-up process where I am to create the account name and password. Despite following the password rules, ( Uppercase, lower case characters and at least XXXX numbers, special characters allowed ), several potential passwords were rejected. Upon raising this issue with the company, they informed me that they only supported XXXX antiquated versions of XXXX XXXX XXXX and XXXX XXXX or XXXX. I do n't have a way to easily downgrade XXXX, and I tried installing XXXX and I experienced even worse issues. 

I find it dishonest and misleading that the bank would advertise online account management and make me jump though hoops to use it. There is no technical reason why this should n't work fine - the browsers and standards that they refuse to support properly are not new and they have had plenty of time to write software that is compatible with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Lightening had struck my house and started a fire in the walls. The fire department was called, the fire was put out, and NationStar mortgage and insurance company called and informed of the event. The insurance company sent out their inspectors, who made assessments and quickly issued a check for an amount of {$77000.00}. When our XXXX company actually started to open the walls for all the fire and water damage, they found that the fire and water damage was far more extensive ( another XXXX XXXX dollars worth ) than what the first assessment was. The insurance cut the additional check. 
The problem is that the checks have to come to us, then to the mortgage company. The mortgage company will not release the money to the contractors. They always have some sort of issue with the payments schedule, materials, and anything to hold on to the funds. We have been out of the house for XXXX months, and it is still not fixed, because the mortgage company keeps holding the funds. The house only took XXXX months to get built. Right now we only have XXXX weeks to be out of this temporary apartment. After that we will be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Transaction issue

Complaint: I received and activated Citi Costco Visa card. It was supposed to replace XXXX XXXX card. My XXXX card stopped working and Citi Visa although activated successfully - is being declined by all merchants. All calls to Citi result in the message : " We experience a large volume of calls. Call us back some other time ''. I tried calling and emailing Citi for last 24 hours to no avail. I am traveling today and unable to pay for food, transportation, lodging or basic necessities as I traveled with only XXXX and Citi cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: Hello my name is XXXX XXXX XXXX I was notified by XXXX XXXX also name Chase and XX/XX/XXXX said I opened an account. And put an counterfeit check in the bank account I have never bank with chase so I disputed because they told me I old them money of {$1500.00} I need to pay this money off so I pay it off on XX/XX/XXXX and they told me I can get a bank account after I pay the money off. I went into the branch in she look on her system to see if I qualify for a bank account and she yes I do qualify after that she called the back office in the told me I ca n't ever bank with you guys again. So this was not my fault I went down to the police department to get a police report so now i need to get this fix.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was not sent anything before they sent to collection and the man tried to say I was not going to pay the bill and I told him I never said that .I was waiting for the final bill .he told me the final bill was XXXX but XXXX was turned into collections and the is XXXX of which I was a long time customer financially I had to cancel services .So now even when the bill is settled it will be on my credit for 7 years .I want it taken off

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's Trans Union XXXX and XXXX still show it on my creditreport I want it off now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.

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 01-08-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was called last XXXX XXXX regarding the loan modification I was approved that I did not know. I called them back and told them I was not aware of this and did not received my documents. The following day, XXXX XXXX, underwriting representative called me and told me that XXXX XXXX extended it and I need to send my payment right away. They instructed me to send it via XXXX @ XXXX, send the first payment {$1200.00} send it to XXXX XXXX, XXXX officer. They explained that this is a government loan and I will not pay directly to Nation star. Since this is holiday, I send my payment for XXXX on XXXX XXXX, XXXX with the same amount to XXXX XXXX of XXXX XXXX California. XXXX XXXX called me up and told me his handling my modification form now on. I called Nationstar customer service and informed them of the situations, I spoke to XXXX XXXX and even faxed her the papers to proved to them I am in modification because I did not pay my XXXX payment. No response I received from them about it. XXXX XXXX called me XXXX XXXX, XXXX to process the XXXX final payment. Same XXXX and send it to XXXX XXXX of XXXX Michigan this time for XXXX because of the transaction fees I paid from XXXX payment. He send me receipt of the last XXXX payments via faxed. XXXX XXXX called me up XXXX XXXX, XXXX to inform me that XXXX XXXX. is closed because of the holiday. He said they will call me on XXXX XXXX, XXXX. XXXX XXXX named XXXX XXXX called me and gave me phone # XXXX to save in my phone so I will know that he 's calling me. I received a message from Nationstar again regarding my past due. I call them back to say again my story and my situations. This time I was forwarded to their supervisor XXXX XXXX. He said there is no XXXX XXXX in Nationstar company directory. I got the paper I faxed to XXXX last XXXX XXXX, XXXX. He said he will submit it all to their XXXX Department. He asked me to faxed him all receipts I have. I did the following day. Then I called XXXX XXXX to bluntly asked him if this a fraud. He said no, this legitimate and they are the underwriting depart of Nation star Mortgage LLC. He added that customer service does not know what 's going on because it is still on trial period and not yet completed. He told me that once if completed and process that 's the only time it will show all my payments and transactions. I told him that his name was not in company directory. I asked him to called them and at least give them a word about it that customer service will know about it. He said he will give them a call. I called XXXX XXXX numbers and reach the XXXX XXXX. I asked the lady for him and but she does not know him. I told the lady my purpose of calling him and she stated the XXXX does not charge a processing fee. She transferred me to XXXX who took all my information and my case and story. The following day, XXXX XXXX from XXXX legal Dept called me and asked me to faxed all the information and asked me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (I do not know) with The CBE Group, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A company claiming to be " XXXX XXXX '' calls me every day, multple times per day, saying they are attempting to collect a debt I have no knowledge of. They refuse to give me information and ask for my personal information but I do not want to give my information to a stranger. They call from the number XXXX. I have had calls as late as XXXX and as early as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had  XXXX  different lenders access my Experian credit report. There is incorrect informatio n (  year of birth, liens that do n't reflect that they are paid, only a few of my open accounts listed ). I pulled my report from experian.com on  XXXX / XXXX /  XXXX   and saw this for myself, so I contacted Experian. Wh en THEY p ull my report, they say that none of that incorrect information shows up on their end. They then sent me a copy of that report by mail, which also does n't show the information the lenders and I had accessed earlier. I corrected some information on this " current '' report, and was told to wait a few days and re-access it online. I pulled it again on  XXXX / XXXX /  XXXX   and all seemed to be fixed. However, another lender pulled my report around  XXXX / XXXX /  XXXX  , and they again saw the " incorrect report ''. I believe somehow that I have  XXXX  different credit reports, but no one at Experian can " see it '' to help me fix the information on the incorrect one.

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 05-03-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Struggling to pay mortgage

Complaint: I am current on my mortgage, and I am struggling to make the payments. I applied for a modification and was denied. The reason for the denial was  XXXX  fold ; they stated I had a modification in   XXXX   and in   XXXX   XXXX  . In  XXXX , I made the  XXXX  trial payments but did not sign the final modification documents. I called Chase to discuss the modification proposal, and I was told by a representative to decline it. The representative stated that there was a balloon payment. I was confused and decided to seek the advice of a housing counselor. The counselor stated the modification was a good proposal, and suggested I accept it. When I contacted Chase, I was told it was considered declined and no longer available. I decided to dispute the decision on  XXXX / XXXX / XXXX . The housing counselor,  XXXX   XXXX , was told on  XXXX / XXXX / XXXX , I could not reapply until next year when the  XXXX  modification falls off. I did not officially have a modification in  XXXX   XXXX . I never signed the final modification documents. Ms.  XXXX  was told by  XXXX   XXXX , that Chase considers this to be a modification. This is incorrect and a false statement. Although Ms.  XXXX  was given this denial reason, I was told something different. I was told that the appraisal was higher, and that my home had too much equity to qualify. When I asked why there was an increase in the appraisal after a time period of less than  XXXX  days, I did not get a response. I have not made any additions on my home, and my property value has not increased. Chase has not and will not give a sufficient reason for the property appraisal increase. This is extremely disturbing as I was just approved, and now there is an unsubstantiated appraisal increase that Chase states disqualifies me. I am not being allowed to reapply. I am not delinquent, and I am not given any options other than a short sale or deed in lieu. My current housing ratio is 50 % and the back end ratio is over 100 %. I am in need of a program to help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: PLEASE REMOVE XXXX XXXX AS AUTH USER OFF THE ACCT SS # XXXX ACCT # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Debt collection (I do not know) with U.S. BANCORP (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Unauthorized inquiry and/or unknown company

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 07-01-2015 about Credit card () with DISCOVER BANK (PA).
Issue: Billing disputes

Complaint: Discover Card on XXXX XXXX called regarding a missed payment. I spoke with the representative ( name unidentified ) and informed her that a payment will be made on XXXX XXXX. Do not withdraw any moneys from my account. Not only did the representative automatically deducted moneys from my account for the payment causing other bills to " bounce '', she also went in and authorized automatic monthly withdrawal commencing XXXX. At no time did I approve or authorized such actions. It was not until I went to see if specific check " cleared, '' did I become aware of the action of Discover CSR. I called on XXXX XXXX to file a complaint regarding the action of that particular CSR of XXXX XXXX. The CSR of XXXX XXXX was named XXXX. XXXX transferred me to XXXX that wanted to refund my payment. I agreed for it to remain due to the fact that my checking account was already overdrawn due to the Discover withdrawal and the account to be paid payment " bounced. '' I believe this is a practice of Discover. This is the XXXX time in XXXX years that Discover 's representative fails to " listen '' and do exactly what they chose on these account upon calling the customer. XXXX removed the automatic payment.

Company response to consumer: Closed with explanation