milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I got  Macy 's  store card in  XXXX  and made purchases on  XXXX   XXXX  and  XXXX . The credit card arrived late and I could n't make the payment. However, after lot of struggle, I was able to reach th e Macy 's   customer service personal who activated the card for me and then made the payment. This was on  XXXX   XXXX . I asked to pay all the bills in the account.     To my amazement  , i got another bill for  XXXX  and I tried several times but I could n't add my card. I reached out to Macy 's customer service via  XXXX  who promised me that someone will call and reach out to me but that never happened. When I tried calling their customer service, I was asked to create paybyphone account.
Now that I have crossed the deadline, I am getting charged late fee and it will hurt my credit score. I do n't need Macy 's credit card and all i want is to pay the fees and get done with it.
The coat I bought from Macy 's still has the security pin in it. When I reached out to them, they have said no for return. As I am traveling and in  XXXX  now for school, I am unable to go to my local store to get the pin removed. I do n't know if the actions are intentional because I am   XXXX   XXXX   or not. I have spent hours trying to resolve this issue.

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 02/20/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I need the CFPB to do an investigation of what went on with my duplex that was foreclosed by XXXX XXXX. I believe this property was already paid and was not released. However not only did I lose the duplex and its value I have paid for it three times - once with the payments, once with escrow used to pay for it and once with money from the Indy Mac line of credit -that was not really extinguished - to pay back the escrow I had already paid. The escrow for the duplex foreclosed has been paid to date from the field adjustments in modification already paid to midland mortgage AND XXXX XXXX! 
I need someone to sift through this mess. 
In addition since the duplex was paid by Indy Mac where is the money I also paid to XXXX XXXX after they paid off their balance with the money from the foreclosure sale? Did they buy it back with my money I had paid and then sold it again? Or was it Indymac who actually foreclosed and added the interest I already paid to XXXX XXXX back into the loan modification on my house? 
I WANT THIS FIXED. 
I have paid for my duplex I no longer own did not receive the rent and/or proceeds I was entitled and have a balance on a mortgage on my house I DO NOT OWE. 
THERE ARE BLATANT SERVICING ERRORS and I am the one forced to PAY to prove it or XXXX pay for my house TWICE. 
WHAT is the CONSUMER financial protection bureau going to do?

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continuing to call, despite being asked to put a note in their file to not call until issue is resolved. Talked to another woman today, I was asking legitimate questions in a calm manner, she was extremely rude and disrespectful towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Other debt) with VIRTUOSO SOURCING GROUP, LLC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have no knowledge of this account at all as far as opening it. I just settled this debt with XXXX XXXX , XXXX in XX/XX/XXXX. Now it has been added back without me even recieving notification via mail about the debt, just an alert from the credit bureaus XX/XX/XXXX. The company has not answered calls, or responded back to messages. I am attempting to close on a home, and this unidentified debt has impacted the process tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Managing the loan or lease

Complaint: I am one month late on my car loan and the company is harassing my mother, father in a different state and even had the audacity to call a XXXX. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with SUNTRUST BANKS, INC. (NC).
Issue: Fraud or scam

Complaint: ON XXXX XXXX,XXXX INTERNATIONAL WIRE SENT IN AMOUNT OF {$350.00} PLUS {$50.00} FEE. CORRECT ROUTING NUMBERS, BANK, ACCOUNT NAME AND NUMBER ON TRANSFER USED. WIRE NOT SENT TO INFORMATION GIVEN. ON XXXX XXXX, XXXX CERTIFIED LETTER RECEIVED FROM SUNTRUST BANK SAYING BANK ACCOUNT WOULD BE CLOSED BY XXXX XXXX, XXXX. ACCOUNT HOLDER XXXX XXXX XXXX HAD NO PROBLEM WITH ACCOUNT BEING CLOSED. WHEN XXXX XXXX INQUIRED ABOUT NON DELIVERED WIRE AT XXXX. HE WAS TOLD TO CALL ANOTHER NUMBER. XXXX. THEN HE WAS GIVEN ANOTHER RUN AROUND TO CALL THE BRANCH OFFICE. THEN SUNTRUST CHARGED ANOTHER {$25.00} TO PUT A TRACER ON WIRE. THE WIRE HAS WENT PAST THE DELIVERY DATE IT WOULD BE MADE AVAILABLE. XXXX XXXX IS IN THE OPINION AND BELIEF SUNTRUST BANK CONSPIRED TO HOLD THAT WIRE ILLEGALY AND CLOSE ACCOUNT CHARGING EXTRA FEES AND TAKING THE FUNDS WIRED. COMMITTING A CONSPIRACY TO DEFRAUD XXXX XXXX OF HIS FUNDS AND EXTRA CHARGES

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 02/23/2016 about Mortgage (FHA mortgage) with INTEGRITY FIRST FINANCIAL GROUP (IL).
Issue: Application, originator, mortgage broker

Complaint: In XXXX of XXXX I made an application with Integrity First Financial Group for a non-credit qualifying FHA Streamline Refinance of my primary residence. On XXXX XXXX, XXXX I received an email that was sent unsecured and unencrypted from the lender with all of associated loan documents that included non public personal information such as my Social Security number and birthdate in a pdf format attachment. 
Upon receipt of the unsecured email I contacted the loan originator that took my application and advised of the breach of security and the potential compromise of my personal data as a result of the unsecured email that was sent. On XXXX XXXX I received yet another unsecured from the lender that also contained my personal non-public information. I placed a second complaint to the lender of the potential compromise of my personal information. I eventually withdrew my application as result of excessive fees the lender was charging. 
Skip ahead to XXXX XXXX, XXXX : As a customary practice for at least the last 16 years I prepared my income tax returns utilizing XXXX software. I filed my taxes electronically on XXXX XXXX of XXXX. Upon filing my XXXX XXXX 's I discovered that the electronic tax returns were rejected by the IRS for the following reason : XXXX Taxpayer TIN in the Return Header must not be the same as s TIN of a previously accepted electronic return for the return type and tax period indicated in the tax return. I contacted the IRS to get details on why my tax returns were being rejected, this is when I found out that my tax returns were fraudulently filed by a third party. In meeting with the IRS it was determined that the possible source of the data breach was a direct result of my non public personal information sent via an unsecured and unencrypted email

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (Credit card) with CITIBANK, N.A. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My household is continuing to receive calls from this company via an automated dialer. We answer the call, but no one is there. 

After the second call failure, my husband, XXXX XXXX, called back the number on the caller ID. XXXX - Operator ID XXXX was very confrontational and rude. He had no desire to try and help with this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Creditor -XXXX XXXX  Recent Balance - {$1300.00} Date opened -XX/XX/XXXXFirst Reported- XX/XX/XXXX Original Creditor - XXXX XXXX  The Debt was Charged Off, Sold to another creditor and now the new creditor is reporting the wrong balance on to my credit report. I would like for account to be removed concluding this investigation.

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 02/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I started noticing increases to my private student loans after I was eligible for the reduced interest rate program. I was paying {$360.00} a month when I was in the reduced interest rate program for 15 months and once I was no longer in the program the next payment was {$540.00}. Then the following month my payment increased again to {$570.00} and then again to {$570.00}. These slight interests every month has made it harder for me to save money for emergencies. It seems as if after leaving the reduced interest rate program the loaner has slowly increased my payment to make up for the money they were losing from when I was paying a reduced interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Medical) with Richland Holdings, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting notices from their collection agency Acct of XXXX Nevada and I have sent response letters, XXXX XXXX, XXXX, XXXX XXXX and XXXX to Acct of XXXX Nevada and all XXXX credit bureaus asking for proof it was me using the services of their client. I have asked for : 1. The copy of your agreement with Nevada XXXX XXXX which authorizes you to collect debt on the their behalf. 

2. The signed agreement from the debtor confirming to pay the debt or any document signed by me at the offices of Nevada XXXX XXXX. 

3. Any documents showing payments made on this account and validation of the amounts. 

They have not provided any information documenting it was me using the services of their client. 

Respectfully. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Utah System of Higher Education (UT).
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 never been late on my UHEAA accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX Shellpoint Loan # XXXX XXXX XXXX has been working on a short sale since XXXX XXXX. The short sale was approved and then the mortgage servicing transferred from XXXX to Shellpoint. Since Shellpoint 's servicing of the loan, the short sale review has been mishandled. Shellpoint has delayed the review, obtained a value, countered the buyer, then took so long to complete the review that they needed a new value of the property. This cycle has gone on 3 times. We have had numerous buyers walk from this transaction because Shellpoint makes inaccurate and misleading statements and then does not follow through with them. 

Shellpoint completed their most recent appraisal in XXXX XXXX. The appraisal came in at {$360000.00}. The buyer was countered at XXXX. The buyer increased their offer to the full appraised value of XXXX. Since that time, Shellpoint ( XXXX XXXX - SPOC ) has delayed the review, not responded to calls, ignored messages sent from the customer service department, and did not provide reasonable updates on the file. Since we submitted the buyer 's increased offer of XXXX on XXXX, I have been unable to obtain an update on the review. On XXXX/XXXX/XXXX, I was advised that the SPOC XXXX had put a note on the file with a counter of XXXX which is XXXX over appraised value. I can not reach the SPOC 's manager and the escalation line provided on their website directs to the XXXX department. There is not a single person to reach out to or anyone to hold accountable for the review. It is bad business practice to counter the same buyer twice based on the same appraisal. This, again, shows that Shellpoint has no intention of working with their borrower. Extremely misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt and I would like it removed as it is reporting negatively to the credit bureaus and causing catastrophic damage to my credit report and financial freedom.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with TIAA, FSB (WA).
Issue: Credit decision / Underwriting

Complaint: Issue XXXX - Please reference complaint - XXXX on the PMI. Please see the attached letter received from Everhome Mortgage acknowledging her subsequent requests to have PMI removed and a check for {$8800.00}. This was obtained when we submitted a complain to the Washington State Attorney General. 

Issue XXXX -Please see accounting showing Everhome collecting arrears and not applying any money towards principle. 

Issue XXXX - Everhome transferred the claim to a new servicer. How can they transfer an inactive MIN ( MERS number )?? Being inactive implies it is paid off. MIN XXXX - This transfer happened the same month XXXX obtained the refund for over charged PMI. A coincidence, yeah right, the bank wanted to run away from this matter. 

Issue XXXX - Assignment of the Deed of Trust was signed by XXXX XXXX acting as an Assistant Secretary of MERS, he is in fact the XXXX, so he signed the DOT over to himself creating a forgery ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Credit card debt) with Conn's, Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conns has called me no less tha n 15 ti mes a day from various local numbers. These calls start at   XXXX   XXXX   and continue all day. Oftentimes, these calls are placed a few minutes apart. I 've called  Conns  and requested a payment plan, which they said was granted. They collected a good faith payment and then began calling right away again. I can supply phone records if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello : I have a school loan that has been deferred by XXXX XXXX. I was told that the school loan would reflect current on my credit report however is shows that it 's closed. I spoke to the Dept of Education and they told me to dispute with the reporting agencies ... .XXXX and XXXX . I would appreciate some assistance regarding who to contact and how to begin this process to correct the information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I went to XXXX XXXX about ten years ago little did I know that coming out of school that I would be making extremely high monthly payments. I could not make the payments with the current job I had so I completely stop making all payments. Years later it has affected my credit tremendously most of the loans are charged off or defaulted on which looks bad. At this point I can not get any type loan car home etc. I do not know where to look or how to get these loans off my credit report which has put me in a tight spot. I would like to finally get this resolved once and for all so I can have a secure financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America is reporting late payments on my account to the credit bureau. The first late payment was in XXXX XXXX, it is XXXX XXXX, XXXX and they should be removed. According to the Fair Credit Reporting Act " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. ''

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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 sent a request for an account to be investigated in regards to an unauthorized for inquiry. I spent several days speaking to XXXX. They stated the inquiry was not initiated by them even though it is identified on my credit report by all three bureaus. I have contacted them via mail on four separate occasions XXXX. I spoke to them and three occasions. I also informed them it was there responsibility to investigate the unauthorized inquiry as when I spoke to each of the three credit bureaus they referred me to XXXX. On XXXX XXXX they sent me a letter stating they were not responsible for said inquiry and therefor referred me back to the credit bureaus. This same vendor has been successfully sued on several occasions in where this same tactic has been found to be illegal.

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 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (CA).
Issue: Managing, opening, or closing account

Complaint: I 'm being with held my money from rushcard. Not able to withdraw my money from the atm for a week now. I 'm a new single mother with a XXXX month old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Dear sir onXX/XX/XXXX I applied for a mortgage loan on a short sale for a condo at XXXX XXXX XXXX XXXX XXXX XXXX l the price was XXXX of which I was putting XXXX down. I used Bank of America as I have a XXXX XXXX act. XXXX was directed to XXXX XXXX XXXX at. XXXX XXXX XXXX ex XXXX who after checking my income said I quifled and was directed to loan staff who asked for a ton of paperwork like a year and a month of XXXX XXXX   statements-XXXX income tax papers they wanted me to explain the use of PO box I use 8  years, checks I wrote to a private party for 3 weeks rental in XXXX XXXX. They wanted to contact the owner of a private mobile home park that I rent a site in and said he never call back but did n't give him a ext. # They gave me 5 different loan offercers who ask me for material witch was already sent. XXXX XXXX who l had the most context with made me to believe once she received this or that the loan would be approved. XXXX XXXX led me to believed he was the prospered to close loan XXXX XXXX  who is a superviser # XXXX ex XXXX made me believed she could take care of things. XXXX XXXX to me she. Has e very thing she needed but soon dissapered. XXXX ext XXXX had a short life too. XX/XX/XXXX  XXXX XXXX sent a ciosing statement final figures TBD. On XX/XX/XXXXXXXX XXXX caiisd and  said w e had short sale approval. I had until XX/XX/XXXX to close on this condo. I received a call from XXXX XXXX telling me the area was not in a approved zone for a mortgage from them I believed because of my age XXXX they tried to discorge me after 10 weeks of paperwork they led me to believed approval was coming I stayed in motels wor weeks waiting for approval why would checking to see if condo was in a approved was one of the first things to do was n't done before all this time and expense was 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
Consumer complaint received 04/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Their is XXXX problems with my credit report XXXX we have a collection account that has been paid still on my report in which it was taken off once and replace back on. Next, I have a lot of inquiries in which i have no clue were they came from and why they are even on my credit report. This bill was suppose to be handle by XXXX ( XXXX ) XXXX. Disregard the XXXX XXXX XXXX attachment that was handle already.

Company response to consumer: Closed with explanation