milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: filed chapter XX/XX/2014 credit first /firestone part of chapterXXXX creditor served still falsely showing open and 109 percent over limit. contacting Equifax twice to dispute it and Equifax failed to answer dispute or correct the errors doing damage to mine and my wife 's credit report which they added to my wife 's report almost a year later after the XX/XX/2014 chapter XXXX filing it seems obviously XXXX is intent on deliberately damaging our credit reports and Equifax is not working to resolve the matter I ask that they be made to remove this entry from both our credit reports if they can not be trusted to do the right thing

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Problem with the payoff process at the end of the loan

Complaint: my personal loan with one main financial was paid off early XXXX by mariner finance as I needed a slightly larger loan to do home improvements. I sat down with XXXX and called the XXXX XXXX one main financial office, and they faxed the current payoff to marnier. I then signed the loan paperwork with XXXX and XXXX hand delivered the payoff check that day to One main. I just received a bill from one main stating that although I made a large payment i 'm still expected to make my monthly payment and that I still owe {$1700.00} which is clearly impossibly, when I do the math though this would be the total interest I would have been charged if I took the loan with one full term. That is illegal you can not precharge a customer interest. IF the payoff they faxed mariner was not correct then that is on them, they have a responsibility to send a correct payoff at the customers request. This loan needs to marked paid as full, and I better not receive a late fee or incur anymore interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I received an XXXX XXXX from XXXX XXXX University in XXXX NY in 2012. I was XXXX off from my job and wanted to go back to school. What I could not get Federal loans for XXXX XXXX said they would get me XXXX loans for. I am now in debt for around {$50000.00} and am having trouble making all the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (IA).
Issue: Shopping for a loan or lease

Complaint: I applied for a refinance of my federal student loans with Citizens Bank. As part of this process, I provided statements from the respective current loan holders. After review, I was told that I was declined due to " the borrower has not yet made the minimum number of required payments ''. The letter did not specify anything further. My wife, who was a cosigner for this application, called Citizens Bank. Initially they refused to speak with her, despite having cosigned, stating that she was not authorized. Eventually they proceeded with the call, but the representative claimed I was declined for the refinance due to being on Income Based Repayment, and specifically because this is in regards to federal student loans. This agent also claimed that it would n't be enough to pay extra, but that I would have to have IBR removed from the account and make standard repayment installments for XXXX consecutive months. When asked, the representative claimed this was some part of " fair lending '' regulations, but did not provide specifics. They also claimed this contingency is part of the disclaimers or FAQs on their website. When I searched for this item, the most detail provided is " You must have made at least XXXX XXXX XXXX XXXX full on-time payments on all the loans you wish to refinance and may need to provide proof of graduation. '' There is no indication or mention of IBR being an issue, and " full, on-time payments '' does not indicate it must be under standard repayment terms. Further, it is my understanding that IBR requires a customer to be current to be able to qualify for IBR, but regardless, Citizens did not cite any issues with my Credit Bureau Report affecting the decision. Additionally, my wife, who applied for her own refinance with Citizens just weeks prior, is also on IBR arrangements, but was approved for a refinance. When asked, the representative at Citizens told her that she was approved in part because her loans are private student loans. Finally, there is no evidence that my application was declined for any income or debt based reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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: For about 6 months, I have been disputing an collection account placed with the credit bureaus by XXXX XXXX XXXX XXXX XXXX. 

This is not my debt. I have previously called the public phone number for XXXX XXXX XXXX and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with XXXX and Equifax and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against XXXX XXXX XXXX and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. XXXX XXXX XXXX is responsible for me being denied for a credit card solely based on a collection account they reported.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Credit card) with CITIBANK, N.A. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My fiancee lost his job, and we have been reduced to one income. I have tried to set-up payment arrangements, several times, via email. I work full-time, and also own a bookkeeping business on the side, and do not have time to sit on the phone to for a half hour to try and talk with a customer service representative. My first time I reached out to Sears/Citibank letting them know I was having issues paying my bill was XXXX. It is now XXXX, and after several emails asking for someone to respond back to me via email ( and explaining my busy schedule situation ), I 'm now in collections and getting phone calls every two hours literally every day. The phone calls are automated and are never from an actual person. This is absolutely ridiculous and not professional. I am extremely frustrated that even when I did email about wanting to work out a payment plan I even got automated responses back to my emails. Sears/Citibank customer service seemed like they did n't want to work with me in regards to a payment plan, and/or my extremely busy schedule. They did not offer any option to work out my debt except to call them, which I told them SEVERAL times did not work for me. I am now in collections, my credit score is dropping, and I am NOT HAPPY! Sears/Citibank 's website even says there are payment arrangements available, but when I look for them on the site, they are n't there!

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 12/29/2015 about Debt collection (Credit card) with Selip & Stylianou, LLP (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX bought a credit card debt and forwarded it to Cohen & Slammowitz now known as Selip and Syanilou to be collected. A judgement had been placed at least XXXX years ago. They garnisheed for it. The IRS was collecting on my salary so this discontinued. They are now telling me this is not time barred debt, that it is a " money judgement. '' which there is no explanation for. They tell me it is XXXX credit card so I am confused as to why it would not be time barred. They are now threatening to lock my bank account to take funds. My husband & myself are both XXXX and I have a XXXX XXXX. This requires a lot of medication. I can not have my bank account locked and funds taken. This would be beyond detrimental. I need someone to help me on this case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (Other mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (CA).
Issue: Settlement process and costs

Complaint: XXXX/XXXX/XXXX First American http : XXXX This is a complaint about First American Title. I sold a home, Wednesday, XXXX XXXX, XXXX, there were XXXX escrow issues that required funds to be held. At this point all issues are resolved. First American is refusing to release the excess money held. 

My Realtor has attempted to resolve this several times to no avail. The total owed is above {$1500.00}. 

This has happened to many people, the amounts are usually a few hundred dollars, and hiring an attorney would cost more to resolve that the dollar amount in question. 

It has been seven months with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I sold a home in XXXX wisconsin in XX/XX/XXXX. The home was at XXXX XXXX wisconsin XXXX. My morgage company Freedom mortgage Loan # XXXX. At closing I paid the taxes due then shortly after that my morgage company paid them too. The town of XXXX sent the check back to the morgage company XXXX XXXX. I have given them proof that taxes were paid and I have given them proof that XXXX XXXX sent their check back after more then 30 calls to them and over two months I have not recieved my escrow from them. their number is XXXX. My phone number and address is XXXX XXXX XXXX XXXX wisconsin XXXX my phone number is 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 09/22/2017 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (NC).
Issue: Unexpected or other fees

Complaint: I paid the full balance on my secured XXXX card. It 's an account that is secured by my equivalent available credit. The account was in good standing and there was no late payment. After I paid it off, XXXX quickly closed the account on me without any notice by email or letter. I called to inquire and was informed it was closed. I was not given a reason. I was given a number I could call to ask why. I was told that my money would be returned to me in XXXX to XXXX weeks. This is an unfair practice. If the account is secured, I should be repaid immediately. After all, it is my money and not theirs. In addition, why do n't they provide advance notice of their plans to close? I understand they reserve the right to close accounts, but for secured accounts they need to adjust their practices since it is the consumers ' money and not theirs.

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 03/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A representative from Chase Commercial Services by the name of XXXX XXXX called my cell phone on XX/XX/2016 and was impersonated to be a lawyer representing XXXX XXXX.After several attempts he also mentioned he worked for CHASE BANK. He then went on to try to collect the wrong amount for a difference of $ XXXX I actually send XXXX XXXX and email with the indication that what he was trying to collect was the wrong amount. He continued to send me text messages where he is using my social security and sending me a text message with my social security. I have asked the representative by the name of XXXX XXXX to stop calling me and to stop calling my landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I reported some information to Experian that I felt was misrepresented in my credit filing, specifically past liens for payroll and unemployment that were not for late payments, but rather failure to report, due to the State of MI not processing my address change. They wre immediately released when I supplied documentation and no payment was ever required. I also reported XXXX fraudulent billings on very small medical bills and a couple of errors. Experian made notations, but no corrections and arbitrarily and capriciously LOWERED by score with them from XXXX down to XXXX. My scores with XXXX and XXXX remain at XXXX. I found out only when I lowered XXXX visa card from XXXX to XXXX and put my twins starting college on it, and then attempted to raise my XXXX visa from XXXX to XXXX, as I have to carry that XXXX since I like XXXX. I found out it was Experian data that resulted in the denial and I find their lack of understanding of state liens and their general vindictiveness very troubling.

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 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on XXXX, trans union, and XXXX. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}

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 01-11-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: I wired {$10000.00} to Coinbase on XXXX/XXXX/XXXX. I have been told to have patience that the money will be in my account. Then on XXXX XXXX XXXX they emailed me to tell me they found my money but that I needed to verify my identity. I verified my identity no less then 10 times and every time I call to get resolution I am either hung up on or told to have patience that they will get to it soon.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: hello i have received XXXX different collection letters about this claim the XXXX one was a company out of Kentucky, which we disputed in XX/XX/XXXX.when we got the letter from trans world i sent them a dispute letter in XX/XX/XXXX. their answer to my dispute was that they reported me on my credit report. i have had a lot of problems with identity theft and this company is on a witch hunt to collect anything from anyone. Please see the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Customer service / Customer relations

Complaint: I am disappointed in my credit card bank service. They held my bank payment for over a week before putting it on my account causing a hardship and didnt want to make it right. 

XXXX the manager in XXXX XXXX refused to make it right. XXXX XXXX was the manager. 

Bank America is the bank. Its a credit card.

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 01/23/2018 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MS).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX, our Loan servicing was transferred from XXXX to Carrington Mortgage Services , LLC . We never received any communications or information from Carrington. The only information we received was a notice of servicing transfer from XXXX. XX/XX/XXXX, we finally get a letter asking for updated contact information. I mailed updated contact information back to Carrington. XX/XX/XXXX, an unknown person showed up at our residence with a piece of paper with a phone number that stated contact as soon as possible. My husband called the number XXXX on XX/XX/XXXX. It was Carrington and the conversation was about what were our intention to do with the property. He asked why have n't we received a monthly statement and was told they do n't automatically send them, we have to request one. When I mailed XX/XX/XXXX payment, I requested a statement and have yet to receive one. XX/XX/XXXX, we received a blue envelope from Carrington with our check for XX/XX/XXXX 's payment and a letter demanding a quick collect or XXXX XXXX payment. XX/XX/XXXX, my husband called Carrington about why we received the letter and why they returned check for XX/XX/XXXX. He informed them that all payments were made on time and up to date. Carrington had cashed all our checks. They stated their records showed no payments were made. 
I pulled cleared checks from our and faxed to them. Carrington stated they will look into it and get back with us but process could take 30 days. XX/XX/XXXX, we received a letter of intent to foreclose and another one XX/XX/XXXX. This has been very frustrating to have to deal with a Company that is supposed to have our best interest first. They have been cashing payments and not professionally handling them. Then to threaten foreclosure when they are mishandling funds. We have to jump through hoops to prove to them that we 've paid them. It 's sad. I had a credit card cancelled due to incorrect information being reported to the credit bureau due to their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all XXXX credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from transunion on the countless requests.

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 10-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM IN A VICIOUS CYCLE WITH SHELLPOINT MORTGAGE SERVICING. I HAVE APPLIED FOR MORTGAGE ASSISTANCE MANY TIMES. EACH TIME I SEND THE SERVICER EACH DOCUMENT THAT IS REQUESTED. I FOLLOW-UP WITH THE SERVICER WEEKLY FOR STATUS. AFTER ABOUT 30 DAYS, I RECEIVE A LETTER ADVISING ME TO SEND ALL DOCUMENTS AGAIN AND COMPLETE ANOTHER APPLICATION. THIS HAS HAPPENED MORE THAN ONCE. THERE HAS BEEN NO WRITTEN DECISION - RATHER JUST AN INVITATION TO SHORT-SELL MY PROPERTY. SHELLPOINT IS NOT REALLY INTERESTED IN PROVIDING MORTGAGE ASSISTANCE. SHELLPOINT PREFERS TO HAVE HOMEOWNERS PROVIDE PAPERWORK OVER & OVER IN HOPES THAT HOMEOWNERS WOULD GIVE UP..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (Medical) with AR Resources, Inc. (FL) (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: This is back from 2009 over seven years old. please remove.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (LA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: A few years ago- I applied for a Care Credit Card. I do not dispute the fact that I used the services, however it appears that no matter how much I pay per month my balance neber goes down. The terms of this agreement was never made clear to me at the time I applied for this card. My history indicates payments made but it also indicates it is never enough. Not even when I make payments of {$300.00} a month. I was recently told that I had late fees when I am actually paying before the due date of the XXXX and it still appears that the money doesn't apply for that month. This Company is a loan shark and today I was told I am paying at least {$97.00} a month just for interest. And have been charged this amount for quite some time. At this rate I can never pay this card off. I haven't used this card in nearly 2 years, been making payments and still habe a Balance of nearly {$4500.00} and never even used this much in services. I nerd assistance in settling and closing this account once and for all. This is unbelievable and causes nothing more than total stress to the person possessing this Care Credit Card. The way this Company operates is not made clear when the application is completed.

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