milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: U.S. Bank changed the terms of my FHA loan to an Adjustable Rate Mortgage ( ARM ) loan in an effort to force me into foreclosure ( XXXX ). Therefore, in order for them to carry out their plot of forcing me into foreclosure, U.S. Bank fraudulently increased my mortgage payments " on paper, '' via the mortgage statements I receive from them, by more than $ 200/mnth dating back as far as XX/XX/XXXX. When I inquired about an urgent letter that I received from them in XX/XX/XXXX of an escrow shortage I was informed by U.S. Bank that the drastic increase in my monthly payment was a direct result of my property taxes going up ; by default created the escrow shortage instead of the fact that U.S. Bank had changed the terms of my loan to an ARM loan! When I was unable to pay the increase monthly payment amount, as refinancing and loan modification applications were being denied, U.S. Bank informed me in late XX/XX/XXXX/XX/XX/XXXX, the XXXX of XXXX occasions, that my home was sold at auction due to failure to pay property taxes ; by which they had law enforcement to serve me with a fraudulent eviction notice in XX/XX/XXXX that stated I had 45 days to vacate the premises. Nevertheless, prior to missing any mortgage payments, U.S. Bank representative XXXX informed me that U.S. Bank would no longer accept my payment ( s ) unless my mortgage payment was for the full " adjusted '' amount being called due as a result in an increase in property taxes. And if I wanted to be eligible for a loan modification, after refinancing was denied, along with other previous modification applications for not meeting deadlines, current application info was " stale dated '', etc., that I must stop making payments in order for the hardship application to be approved. 

As a result, I, XXXX XXXX XXXX, request for U.S. Bank to provide all denial letters that were previously mailed out to me prior to me missing my XXXX mortgage payment that took place approximately in XX/XX/XXXX once I was informed by U.S. Bank representative XXXX that my payments would no longer be accepted due to the " acceleration clause '' that requires the full outstanding balance to be cured after an extended period of time has elapsed and their still remains an outstanding balance that is in arrears ; thus, gave U.S. Bank the legal right to not accept any payments that was not for the full outstanding amount, as such payments would be deemed a " partial '' payment that the acceleration clause gave U.S. Bank the right to refuse!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Unsolicited issuance of credit card

Complaint: I went into a jewelry store to look at some XXXX watches between XXXX-XXXXm on XX/XX/2015. A salesman talked me into seeing how expensive of a XXXX I could finance. It was a Sunday and I thought " why not? ". The guy sat me down, and asked me for some credit information. Told me I could afford {$2400.00} of watch to finance. I did not purchase anything at the store and walked out. Shortly after, I received a credit card in the mail - I thought it was a fake promotional card. It was a card from this jewelry store, account opened XX/XX/2015, the same month and the first and only time I entered that store. The salesperson did not have my permission to open a credit card account, and I never knowingly gave my consent for him to do this. I was asked for my financial information under the notion that it would be used to determine my credit worthiness - opening an account under my name was NEVER mentioned. As soon as I received the credit card, I called the creditor to cancel the account. 

I have attached a screenshot from my credit report - the trended data shows that I never used this card. I never had use for it because I was never interested in applying for a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient handles my student loans. Looking over my student loans - I have a fixed payment loan over 30 years at a 6 % rate. The payment allocation varies wildly. On one instance, a payment made on XXXX/XXXX/2015, 100 % of the payment was allocated towards interest. My original amount of the loan was XXXX after consolidation. The terms were set for 30 year repayment with the monthly payment being XXXX. I do n't pay extra at any time, I 've saved a pdf copy of my loan repayment history and the allocation. I can not find the terms of my loan on the website. While mortgages and student loans are different, at a fixed interest rate, ultimately, the amount paid should be the same - so I looked at the amortization calculators and entered my loan information - it estimates monthly payment at about {$130.00}. I 'm really just completely confused and never thought to look until seeing the news about Navient. So, my question is, if I 'm paying about XXXX extra dollars a month - which would be approx {$10000.00} over the life of the loan - am I missing something or is this completely incorrect?

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (I do not know) with ARS National Services, Inc. (CO).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: A man called looking for my Father, regarding my father 's personal small business. I asked him to clarify and he cursed and hung up on me. 

I called him back and another person answered the phone, she said the company that contacted me was " ARS national services ''. This information took asking for at least 5 minutes what the company was. 

What alarms me is that both persons who answered the phone insisted that the first call was for my Mother, not my father and that it was to discuss her small business. Both of which are lies, my parents do not own small businesses, and in fact my father works within the federal government. This supposed debt collection company is calling the children of alleged debtors under the false pretense of small business. 

I was ultimately transferred to a supervisor who tried to deflect and ultimately used subversive tactics to end the line of inquiry to the original phone call. 

They have also called me on multiple concurrent days at odd hours from several different phone numbers and are generally obscene and hostile.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was threaten by my case manager several times in the beginning of my debt being sold to this company. I was threaten over and over again. However, once I set up a payment plan with this collection agency Citi Bank continues to post on my credit report that they are not receiving a payment. Where is my money going? Why am I being threatened?

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I checked my personal credit report, which I received through my report on XX/XX/18 XXXX XXXX and I noticed a number of unauthorized inquiries on the report and some are duplicates. 
I contacted XXXX XXXX ( 3X ), XXXX ( 3X ), XXXX ( 3X ), XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 3X ), XXXX XXXX ( 2X ),  XXXX ( 2X ), XXXX ( 2x ), XXXX XXXX, XXXX XXXX ( 2X ) XXXX XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit profile. These inquiries should only be appearing once if they are in fact valid. 
I request that you initiate an investigation into all of the above inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my disputes to be valid, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the 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 01-03-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is follow up to my prior complaints ( XXXX and XXXX ). In my complaint XXXX I followed up on inappropriate delinquency reporting to credit bureaus for there specific months. Unfortunately, SPS is reporting inappropriately for additional months ... XXXX, XXXX, and XXXX XXXX. Let me be clear ... SPS should not be reporting any lates on either my first or second loan accounts with them ever. I want the three months referenced above and any others, corrected. I contacted XXXX at SPS ( as she was the one who sent the letter to me confirming correction of the credit reporting for XXXX XXXX, XXXX XXXX, and XXXX XXXX ) to address the additional months identified above ( XXXX - XXXX XXXX ) and left a message for her to return my call three weeks ago and have yet to hear from her, thus I am filing another complaint to resolve the matter. 

Regards, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: RE: Citibank Credit Cards;I had my account on auto-pay when something caused the payment to not go through (XX/XX/XXXX  payment was rejected); I was NOT notified via phone of the issue, as I had previously asked. I opted out of auto dialer several times as I do not answer solicitation calls and they do not leave proper messages. I had asked them to call only with a live person if there was an issue with my account. When I called in they told be they used the auto dialer, of which I never received a message from CitibankThey reported me 30 days late to the credit agency without proper notification of being late. I had even logged on to check the account (since they did this one other time) and there was no notification that the payment was late or that the payment has been rejected. I have pictures of the screen to prove it.  This is deceptive practices and I feel I have not been protected as a consumer. I feel they are intentionally not making it apparent that the payment is late to get paid fees and penalties. They intentionally made it difficult see the payment was returned! I checked the website after the payment was supposed to go in XX/XX/XXXX  and again inXX/XX/XXXXand the system gave no indication the payment had not posted. I only noticed because I had not used the card and the balance increased from fees. I was 55 days behind with no knowledge. I have perfect credit other than this creditor, including holding many other cards that have never had this issue.The shady part was the transaction and activity section did not show any returned payments or a fees until AFTER I closed the account and paid it off.  This is a BIG issue for consumers and I feel they need to be investigated for this.

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 11/17/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have a complaint against this debt collector, XXXX XXXX XXXX. They have me listed for an account number XXXX. I requested XXXX times for them to send me more information related to this account and how I could possibly owe {$1600.00}. I recall having a card with Walmart but I know I did not run the balance up so high and I wanted to see if someone stole my identity and was out making charges. They only sent me a final statement or XXXX but nothing breaking down all the charges ( including where and when they were made ). They never sent me any documents relating to me opening the account either. 
In the process of me asking for this information, I must have upset them. Instead of getting me the documents I requested, they served me with a lawsuit. On XX/XX/XXXX they filed a lawsuit against me and I have a court date of XX/XX/XXXX. All I wanted was proof that I owe this debt and that my identity was not stolen and now I have a lawsuit and I do n't have the money to pay for an attorney to represent me. 
I do n't find it to me unreasonable for me to request complete proof of the debt they claim and I find it very unfair they are now treating me this way and they are using bullying tactics. Please make sure they prove to me all the charges belong to me. I want to file for ID Theft protection if I find someone else made these charges. That is all I want. I am afraid it is now too late and I beg you to try your best to get this information for me before my court date. If I sound desperate, I am and I need your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 contacted TransUnion several times to have unauthorized inquiries removed, yet they will not remove them. There is no documentation that I authorized these transactions and I even have a fraud alert on my file. It is unfair to have to reach out to companies, with no success, to try to get inquiries removed that I did not authorize to begin with. Also, it is unfair and not good practice to continually deny me, yet when other customers call a rep will remove inquiries for them with no hesitation or valid reason being provided. If the policy is that an inquiry should stay on file for two years, this must be enforced consistently with each client. And that is not the case. At this point, if my issue is not resolved, I would have to escalate to BBB and The State Attorney 's office. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order None of the below inquiries have open/active accounts on my report nor were authorized and I would like them removed ASAP : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX -  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX - XXXX XXXX XX/XX/XXXX -  XXXX XXXX and XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX ( 2x ), XXXX ( 2x ), 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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Good morning, Im writing to complain about Transunion and   XXXX   not removing a public record. I called to verify with the courthouse in  XXXX , Ga and spoke with  two reps,  XXXX   XXXX  and  XXXX   XXXX  who told me that the  Us  court does not report bankruptcy to the credit bureaus. I reached out to all three bureaus sharing this info with them and asking them to remove the bk.   XXXX   removed it however the other two claim they verified the info thru a third party. I have since contacted this 3rd party (    XXXX   XXXX    )  on three different occasion to see if either Transunion or   XXXX    called and verified this public record and all three times they said no.  XXXX ,  XXXX  and  XXXX  are the months ive sent three different letters to these  two  credit bureaus asking them to remove these public records due to it damaging my credit profile. In  XXXX  I was turned down for a mortgage due to bankruptcy. If the  Us  bankruptcy courts say they do n't report to the bureaus why is it being allowed to damage my credit profile on Transunion and  XXXX . Please assist me in getting these records removed.

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 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have received repeated calls from Diversified Consultants attempting to collect debt on behalf of XXXX XXXX XXXX. We have never been a customer of XXXX XXXX XXXX ( they do not provide service in the XXXX area ) and I have confirmed with XXXX XXXX XXXX that we have never had an account. The callers attempt to obtain personal information from my family even though I have explained to them that we have no business relationship with either Diversified Consultants or XXXX XXXX XXXX. After searching Diversified Consultants name online, it appears that this harassing behavior is common practice for them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX ( XXXX  ) account # XXXX high limit of {$500.00} account is closed and is reporting as pays as agreed, incorrect reporting status per FCRA and Metro 2 reporting compliance standards XXXX XXXX XXXX account # XXXX high balance of {$430000.00} and balance of {$670000.00}? how is my balance more than my high balance. This is reporting in error per the FCRA and Metro 2 reporting compliance mandates. Payment grid showing 120 day lates, No 30, 60, 90 XXXX  Account # XXXX amount is {$430000.00} only reported on transunion and should be reporting on all 3, incomplete data reporting in error and illegal.

all 3 accounts have incomplete account numbers. This is a violation of the the FCRA and metro 2 reporting compliance standards mandates..

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 12/14/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was in an accident and their insurance company was responsible for my medical bill. I contacted them advising them of this information. I also sent documents of the company and I communicating on a settlement amount. I advised the creditor that once the company had settled it could be paid and could it be removed. Though it is my bill this company was responsible for paying it. I sent a copy of the settlement check and asked could the debt be removed because I was never responsible for the debt the insurance company was and that I would be willing to make arrangements to pay it. Instead of them understanding that an accident took place is the reason a bill ever came about and that company was responsible for paying the bill. All this was sent in writing with the companies name and settlement information and info saying that they owed the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (UT).
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 have had my Discover Card for 20 years! Never late and always a good customer. Well I have n't used my card in awhile so it had a XXXX balance. I have n't got any notices from Discover Card, no  statements or anything. 
Im in the process of buying a house and my lender pulled my credit and there is a 30 & 6 day late XXXX & XXXX of 2017! It showed currently late for a charge of {$25.00} that I did n't make. I called them and they were very rude to me advising me they sent something to my email but I checked my emails and junk and there is NOTHING! 
I am never late on anything with my credit and if I had received a notice I WOULD HAVE took care of it! I mean they can see on my account that I am not someone who is late. 
They were so rude that I closed my account and just paid for the charge.

Discover Card should have disputed the charge for me and the late payments etc would have been reversed and the account would have been fixed. 
But they refuse to help me. One their site they even have a GOOD WILL CLAUSE! On their commericals they claim how they will help you yet they would prefer to lose a long lasting customer of 20 yrs for a mistake charge. I have contacted them several times to fix my account and reinstate it but nobody will help me. 
Because it was n't my fault and because I never got a notice I would like the late payments removed and my account reinstated - open again.

Company response to consumer: Closed with monetary relief