milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are several names on my credit report. The only name I use or have used is XXXX XXXX XXXX All other names are not mine and I want them removed. Correct address is XXXX XXXX XXXX. XXXX, AZ XXXX. All other address are not valid and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: I am an XXXX year old XXXX, applied for HARP, was told a new3 mortgage was better, refinanced in order to lower my mortgage payments. My mortgage was sold immediately and handed over to something called SLS. SLS now advises I owe an additional {$710.00} for escrow shortage and is increasing my payments to within {$100.00} of my old mortgage. At the time of refinancing I was told I would be saved {$300.00} a month. Today I received a notice from XXXX XXXX that SLS has not paid the insurance payment. I made a terrible mistake, allowing the person I dealt with to talk me into this mortgage and am overwhelmed with it. If you are able to help me with this, it will be an immeasurable kindness. Thank you for your time and attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Other

Complaint: Used my card to pay for service/fee ( exit tax at XXXX XXXX airport ) and the merchant processed as a cash transaction. I was unaware of this. I was charged {$10.00} plus interest. Barclaycard offered to remove both charges, which is fine but that is only part of the problem/resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Credit determination

Complaint: I recently sent an initial complaint on yesterday which related to calls transpiring on XXXX XXXX relating to discrimination and retaliation. As of XXXX XXXX, I was also retaliated against by XXXX XXXX within XXXX XXXX XXXX XXXX XXXX. after leaving a voice mail on her XXXX XXXX Voicemail system questioning her on how she intimidated, interrogated and repeatedly questioned our daughter inappropriately and unnecessarily regarding her mother, XXXX XXXX, which I addressed and emphasized with her via XXXX recorded system on XXXX XXXX as " discrimination tactics against XXXX minorities ''. In turn, she adamantly, her and her team on purpose set a pre-set small XXXX limit on the XXXX XXXX XXXX Card, after sending XXXXbank statement proof showing an average balance of XXXX. Also, prior to approving an authorized user, XXXX, already checked my credit and sent the card around XXXX XXXX. Based on these and other illegal credit card biased practices within the Financial Review dept., I was also defrauded out of the initial {$1600.00} payment which was made on the account. They purposely waited for the payment to clear my bank on XXXX XXXX and then place a hold on XXXX XXXX, after we received a call from the Financial Review team as noted in the XXXX of this complaint sent on yesterday. Although the payment was not due at the time, I was showing good faith on paying the account and setting it up on a weekly payment basis to pay down the initial amount of XXXX which was truly due by end of XXXX. This is when the XXXX payment for the XXXX statement is actually due. The XXXX Payment would have been due by end of XXXX. We were never given a chance as XXXX Citizens, XXXX Veterans, and XXXX Americans, but was heavily scrutinized and violated by XXXX XXXX and others within the Financial Review department. These are unfair and illegal credit card practices and should be investigated as no one should be left in a bind after initially setting up their monthly everyday charges with various vendors and billing agencies, because we had plans to continue to utilize the card for those purposes as other XXXX groups are given the opportunity to have access to capital and not heavily scrutinized for utilizing their Platinum Credit Card! These are unfair and illegal credit card practices!

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (RI).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX XXXX .I have been a loyal payer of my mortgage for the last nine years.I have requested help for the last six years and they did nothing cause I always paid them.XX/XX/2015 I told them I will no longer pay them until they do something to help, now they are foreclosing on me.I had perfect credit, they have ruined it.They now are telling me I only qualify for a short sale or deed in lieu.Why are they allowed to do this? ( XXXX ) XXXX, please help me, interest rate isXXXX.XXXX, other mort rate isXXXX.XXXX both are interest only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I am an Amex Platinum card holder since XXXX. Sometime earlier this month I was informed about a new Delta Skymiles Amex gold card promotion which waived 1st year fee and XXXX Delta miles after charging {$1000.00} in 3months. The promotion was relayed to me when I asked to exchange the airline incidental fee reimbursement from Delta to a different carrier I was convinced to apply ( XXXX XXXX, XXXX ) for new card and was approved for a new card on application submission. I received the new card a few days later. 
I started to make qualifying charges of several hundred dollars. 
This morning I called Amex when I noticed the new card had a different Skymiles number than my current Delta number. When I called Amex to combine my 2 Skymiles accounts and I asked for update of my total points and when the promotional points would be available to purchase a new airline ticket.. 
It was at this point ( XX/XX/XXXX ) I was told that I am not eligible for promotion because I had closed the Delta card a few years ago. Amex could not/would not provide me any details of the previous account that disqualified me for current promotion. If I knew or had seen terms I certainly would not have applied for the new Skymile card and would not have to combine 2 accounts and would have accumulated bonus points on my Amex Platinum card. This appears to be a variant of a classic bait and switch of the promotion,

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Starting end of XX/XX/XXXX/XX/XX/XXXX of this year ( 2015 ) I have been paying additional money on my mortgage to pay off the principal of my mortgage. My mortgage company has not deducted the additional money paid from my principal balance and continues to say that I do n't have a payment due. I called once with no resolution. I again called today and the customer service rep then told me that I have to write a letter to their research department and will get a response within 30 days. They refuse to give me a phone number to speak with anyone. I am trying to pay my mortgage off early and it is obvious that Carrington Mortgage does not want me to do so. I am frustrated and want the {$13000.00} extra I have paid applied towards my principal ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Clarity Services (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hard inquires on my Credit Report by Clarity Services has damaged my report. I was not asking for any type of credit. 
XXXX XXXX XXXX XXXX XXXX I have tried to have this removed from my credit report. I also understand now Clarity Services was fined my the Federal Government for misuse of credit Report. I would like them removed from report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with ERC (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX overdue debs that have been transferred or assigned to an collection agencies Enhanced Recovery Corp XXXX and reported to XXXX and XXXX. As per information provided from credit report agencies accounts were opened at XXXX Florida USA and I NEVER live there nor have any address overthere. All my life and my credit experiences have been in XXXX XXXX. There must be a fraudulent request for credit on my behalf. Please correct that information which is affecting my credit scores and reports. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  XXXX   XXXX ,  2017 I received a letter ( co py enclosed ) advising me that my  XXXX  Credit Card account had been closed effective  XXXX   XXXX ,  2017 . According to the letter " Our decision to close your account was based on information we received that you  may  have filed for bankruptcy ... '' When I questioned them who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me i n 3 to 5  business days.     I FEAR THAT THIS MAY BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RentDebt Automated Collections, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I did n't receive any mail or phone call until a supposed collection from XXXX showed up on my report in XXXX. I have been unable to get any information as to what this is in regards to, only automated ''agents '.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Have been disputing with credit bureaus regarding Public Record ( s ) reflected on my Transunion credit report. 

Federal Tax lien reference # XXXX ( Released XX/XX/XXXX ) Tax Lien reference # XXXX ( Released XX/XX/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 explanation
Consumer complaint received 09/25/2015 about Mortgage (FHA mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan number is XXXX. I filed a complaint with office of the comptroller of the currency, YOU, and now my account manager explicitly told me that he will not talk to me and have closed my file due the complaint I have filed. Looks like I am being punished for enrolling your assistance in this matter. Now, as a result of your help, no one at the bank is talking to me, giving me any status. They are now moving toward foreclosing my property without a review. The sale date is set for XXXX am trying to get a modification thru my lander. My loan was/is a FHA loan. I qualify for FHA-HAMP. However, in the middle of review my bank XXXX XXXX XXXX XXXX ) transferred the loan to BSI financial. BSI stopped all review and is now telling me that my loan has been transferred to an investor who is not participating in hamp program. How can they change things in the middle of a review and suddenly my loan goes from being qualified to XXXX to not being qualified for XXXX? Does n't that seem like an underhanded thing to do? The internal change in the status of the loan and investor seems like a fraud and unfair. Can they legally do that and foreclose on my home? Could you not do anything about it? 

My servicer is participating in hamp program. As per per treasury guidelines, XXXX XXXX. XXXX XXXX, XXXX XXXX that a reasonable efforts are required by XXXX participating servicer to reach out to a investor for an override or a waver. Under XXXX XXXX. Dir. XXXX, effective XXXX XXXX, XX/XX/XXXX, the servicer must write to the investor requesting a waiver at least once. THEY HAVE NOT DONE THIS. I have asked for this over and over and over again and they have simply told me to go away, short sale the property or they will foreclose. 

In addition, I sent out a RESPA, QWR, to them on XXXX XXXX, XX/XX/XXXX They have completely ignored my RESPA request. The RESPA guidelines are very clear on how the lender must handle the request and timelines. BSI financial is ignoring all those guidelines. It seems that they are slapping us in the face, thumbing their nose at your agency, treasury department and intentionally. As if they they are counting on me, a helpless consumer, not being able to do anything since I do not have resources to match their deep pockets. 

I am hoping that you, a governmental agency who supposed to help us helpless people, is able to do something about it. I would like your help in stopping this bullying by BSI financials and help us stay in our home. We have the income to qualify for a modification and most certainly my FHA loan qualified for FHA-HAMP modification. PLEASE, PLEASE HELP MY FAMILY. AFTER WE FILED A COMPLAINT WITH YOUR DEPARTMENT, BSI FINANCIAL STARTED TO BULLY US AND BECAME MORE ABUSIVE. We do not know who to turn to or what to do. 

We are begging for your help in stoping this abuse and bullying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/XXXX we received our USAA credit card statement in the mail and discovered a charge for {$590.00} from an XXXX store in XXXX XXXX. They live XXXX miles away from XXXX XXXX and they have a XXXX XXXX XXXX blocks away from their home so they would never travel that far. They immediately called USAA and informed them of the fraud charge. They were informed to contact the XXXX XXXX and work it out with them. That situation ended up getting resolved and they received reimbursement from USAA for {$590.00}. 
There have been many many times that client has tried to make a purchase and they were declined and they had to actually call in and speak with them to let them know it was them so they can allow the charge to go through. 
On XXXX/XXXX/XXXX there was a charge for {$580.00} with XXXX XXXX XXXX that they found on their credit card statement they received towards the end of XXXX XXXX. They immediately contacted USAA and they told the representative that the charge was fraudulent and they were told they need to contact the XXXX XXXX XXXX to dispute the charge. They contacted the XXXX by phone and they insisted that client made the reservation and they emailed client the guest folio. It shows client 's name and the price and it shows the reservation was made from XXXX out of XXXX, XXXX. However the USAA representative advised client the charge was made over the phone. We were never really given a straight answer when we asked for evidence surrounding this fraudulent transaction. We have been a long time customer with USAA going back as far as XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2016 about Debt collection (Medical) with PDQ Services, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR PDQ, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR PDQ, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR PDQ, INC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR PDQ, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 

THIS DEBT COLLECTION AGENCY DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES.

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 06/26/2015 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: D. Scott Carruthers have called, harrassing all my family members, daily, multiple times a day. I do not know what the debt is, I have never received anything via US Mail verifying said debt.

Company response to consumer: Closed
Consumer complaint received 12-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: HELP REQUEST FOR MODIFICATION OF MY BANK LOAN AND SEND ALL DOCUMENTS NEEDED IN DATE XXXX/XXXX/2015, I CALLED the bank and was informed that THEY RECEIVED ALL DOCUMENT, BUT THEY PUT SALE DATE TO MY HOUSE FOR XXXX / 2015I CALLED TO REQUEST INFORMATION AND CONFIRMED MY CASE IF YOU NEED ANY DOCUMENT, THEY SAID EVERYTHING WAS FINE. They DID N'T CALL ME AND DO NOT WANT TO SUSPEND THE DATE OF SALE. 
ALL MY CALLS are registered in the bank 's system, please help. I DO N'T lose my house. 
THEY DO N'T LIKE HELP ME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AR).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Guitar Center Gear Card, managed by Synchrony Financial, shown in " contact us '' as : XXXX XXXX   XXXX. XXXX XXXX XXXX, FL XXXX I made an online payment of {$1500.00} to my store card on Monday XX/XX/XXXX. I have a pending purchase at my local Guitar Center for about that same amount, yet today ( Friday XX/XX/XXXX ) those funds are still not showing as " available to spend '' when I check my account online. I called and spoke to a Synchrony Customer Manager, who told me there's nothing she can do about it, that there's a 10 day hold on that payment - even though those funds cleared my bank on Tuesday XX/XX/XXXX (! ). She told me she agreed it is unethical, but she simply said she has to do what Synchrony Financial tells her. She told me that in the fine print under " Payments '', Synchrony states that they may hold payment funds, but they do not specify how much and/or for how long ; i.e., 5 days for smaller amounts, 10 days for larger amounts, etc. This is unacceptable.

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 04/22/2015 about Debt collection (I do not know) with Williams & Fudge, Inc (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX calling on behalf of Williams & Fudge , Inc. is calling my employer twice daily. He is belligerent and harassing the office manager. This has been going on for about a week now with no sign of stopping.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (WV).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Midland Credit Collections, c ontacted me at my direct line at my place of employment. They have called several times so far, when I answer I tell them that they are not allowed to contact me at work, this my business line. I work in a call center environment and can not be on the phone for personal reasons. The debt collector advised that since I answered the phone I should resolve the issues now. I have told them several times not to call me at this number. I do n't know how they even got the phone number as I have never provided it to them.

Company response to consumer: Closed with non-monetary relief