milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: XXXX  by   XXXX   XXXX   provides a shopping venue for hundreds of vendors including  XXXX ,   XXXX   XXXX  ,  XXXX ,  XXXX , etc. When you make purchase through the website, the vendor provides a cash-back to  XXXX  college savings account. In addition, there is a 1 % cash back from the Barclay credit card and a 4 % cash back from  XXXX  into the college savings account when you pay for your purchase with a Barclay Upromise credit card.
  XXXX   XXXX   XXXX    provides a 2 % cash back on rentals purchased through the   XXXX   website. This past  XXXX , I arranged for three separate car rentals from  XXXX  at three separate times through the  XXXX  website link for a total coast of {$1300.00}. I completed the three rental purchases and paid with a Barclay  XXXX  credit card.
The first reservation was made on  XXXX   XXXX , 2017 for a rental beginning   XXXX    XXXX , 2017 for {$970.00}. The second reservation was made on the same day for a rental beginning   XXXX    XXXX  for {$290.00}. The third reservation was made on  XXXX   XXXX , 2017 for that day for a cost of {$73.00}. All of the reservations were made through the  XXXX  link.
I did not received my 2 % cash back from  XXXX  and submitted an inquiry through  XXXX .  XXXX  responded that  XXXX  stated that I " clicked on a banner ad which rerouted and completed the transaction on the merchant website instead of the  XXXX  site. '' When I asked fro specific details about this banner, I was told " your last click was not through   XXXX   ''. No explanation was provided about the specifics of this ad banner, the mystery click, and how I was transferred to the   XXXX   website from the   XXXX    website. I am attaching the emails related to my inquires and the  XXXX  responses.
As a result of this claim that I transferred out of the  XXXX  site,   XXXX   will not pay the 2 % cash back and  XXXX  will not pay the 4 % cash back. Barclay has paid the 1 % cash back.

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 12/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: It took us over a year ( XX/XX/XXXX thru XX/XX/XXXX ) and getting an advocate to get our income based repayment started. We reapplied every month but they insisted they never got it or there was some error ( it varied ) and reported us as late EVERY time even though our income based repayment amount was previously and is currently {$0.00} a month. We applied way in advance because I have been diagnosed with XXXX XXXX XXXX XXXX and every year they lose our application and play other games for months before finally giving in and setting it up based on our income. 

After getting the income based repayment reinstated with an advocate they once again reported us as delinquent for not paying {$0.00} a month for the previous year and refused to remove the derogatory information which dropped my credit score almost 200 points from 700+ to XXXX. 

They said because they constantly called us ( they did AND called my XXXX son without anyone 's permission ), emailed us ( they did ) and mailed us ( they did ) since we NEVER responded ( we did resubmit monthly and called constantly ) that they could n't in good faith restore our credit report.

Every year I file with Navient for an income based repayment it takes several months of them saying they did n't get the application, something was missing, some other excuse

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Payday loan debt) with Bliksum, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX I had a scheduled payment I lost my debit card, payment was late On XXXX I received 10 phone calls in a row, could not answer cause i was at work Several Times for a total of 40 calls in one day On XXXX I received 10 phone calls in row I called back and XXXX was rude and Insulted me because I didnt contact them sooner Spoke to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I used to live at XXXX place at XXXX gave them notice no time also asked them to walk throw the apartment apartment manager told me every thing is ok but after 3 month i got phone call from HUNTER WAR FIELD telling me i owe XXXX which is not true call apartment corporate office talk to corporate office told me if i paid this amount she is going to pull out from collection as soon as convocation end on XXXX, XXXX, 2017 paid this full amount now its show on my credit report collection on my XXXX and XXXX report. Apartment office never send me any bill but without knowing send to the collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In my first letter dated XX/XX/XXXX I asked Transunion to remove a XXXX mortgage loan because the balance is XXXX the account opened XX/XX/XXXX has had no payments since XX/XX/XXXX. This is over 7 years and must be deleted from my Transunion credit report. They responded by not removing the item and not giving me any reasons. In my second letter I asked eight specific questions, and to date have not received any answers. Three months is too long a time to not received any answers. Please ask them to removed this from my credit report.

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 07/23/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AE).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage managed by Green Tree. I recently changed my monthly payment from {$1500.00} to a twice a month payment of {$1700.00}. The payment plan was set up by Green Tree for automatic withdrawals from my bank that the previous payments were made. I received a statement for XX/XX/XXXX indicating I had a late fee of {$32.00} for not making my {$1700.00} payment on XXXX XXXX. I had already made a payment of {$1700.00} on XXXX XXXX which is more than my monthly mortgage. I have a document from Green Tree with the payment due on XXXX XXXX, not XXXX XXXX. I believe this is a common practice with Green Tree because they vehemently denied they were at fault. I have formally contested the charge and not received a response other than it will take 30 days to review. Interesting! I pay more than twice the amount of the mortgage, yet they charge me a late fee. Crooks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (MD).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX is advising that they are reporting the information that Prestige Financial is reporting to them. Prestige Financial is stating that they are reporting the correct information. The only credit report that is not reporting the Prestige account correctly is XXXX. The other two bureaus are reporting the account correctly. XXXX is reporting that 10 of my payments as no information. This behavior causes my credit score to be lower. XXXX and Prestige are playing the blame game.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company is reporting false information stating I owe them money which I do not. XXXX XXXX who originally owned this account stated they were buying back the account from this collector in their CFPB complaint which you will find on this site. They are still trying to collect the amount and just re-posted this to my credit report. I have sent my last demand letter telling the company to delete the tradeline or I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the validity of an old tax lien with all XXXX credi bureaus and all but Eqifax have removed the lien from ny file. It does not exist. There is no way this is being verified as a valid lien. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my loan, and had an escrow balance of {$1900.00} to be refunded to me when I looked at my account after it had been paid off. When I received the check, they shorted me {$100.00} and only paid me {$1800.00}. I called and they said it was Mortgage Insurance paid on XXXX/XXXX/16 when my refinance closed on XXXX/XXXX/16. They said it was in arrears. I asked my lender if this sounded right he said no that they only way that would happen is I 've been late or missed a payment. I 've never been late on a payment, my Mortgage Insurance started with my first payment and I should n't have been shorted. I would like help with this please.

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 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was shopping for a mortgage. I approved credit inquiries on : XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX These are the ONLY credit report pulls that I authorized. 

XXXX lists 6 inquiries from XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX - One from XXXX and 5 from XXXX XXXX lists 3 inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX. and XXXX - two of which are XXXX XXXX. 
XXXX has 4 Inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX Each of the four lenders was only authorized to check my credit one time The reason that there are so many checks is because of their use of the Lender Processing System with XXXX XXXX which requires repeated credit pulls when any of the loan parameters are changed while calculating loan rate and payment scenarios. 

I only authorized 4 credit checks, one time each from each lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX and I have been a client of Suntrust Mortgage for 5 years. 
Within these years every 3-4 months I encounter problems with Suntrust. There is an ongoing issue with up front transparency as to what is need by me. One of the issues now is i 'm short in escrow and the payment is going up an additional ( {$200.00} ). Currently my budget can not sustain this waive of unforeseen changes. 
I did a loan modification 4 years ago so why does my payment continue to go up back and forth. 
I am frustrated to the point of walking out of this home and letting them have it. Any advice you can assist me with will help. 
Suntrust Mortgage loan Number : XXXX XXXX XXXX, Home preservation counselor Phone number : 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 non-monetary relief
Consumer complaint received 01/19/2017 about Debt collection (Credit card) with SINGLETARY & THRASH-JACKSON, P.A. (MS).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: My name is XXXX XXXX, a mother, XXXX of over fifteen years, and honest citizen. This is an URGENT Mississippi action where a company is trying to collect on a six year old alleged judgment that was never agreed to or filed in court. 

In XXXX XXXX, XXXX XXXX, XXXX attempted to collect on a credit card debt by suing me. The case was released. However, the company, or their lawyers, NEVER got the judge to sign a judgment, nor was a judgment ever filed in the court. I called the court for copies of the documents several times to see if I had a judgment ; there is still no filed judgment! Because the judgment was never filed, I did not make any payments to the XXXX. This company, then, fell under scrutiny and was sued by multiple persons - I was asked to join the suit, but declined. The company immediately fell under and was dismantled. As such, I definitely made no payments. 

On XXXX XXXX, XXXX, Singletary & Thrash contacted me and my job alleging I owed a balance and they were going to execute a garnishment. I researched the issue and verified that in Mississippi debts must be collected within three years. I had not been in contact with the company since XXXX XXXX. So, I responded in accordance with the Fair Debt Collection Act. In that response I neither acknowledged or affirmed the debt. I asked them to stop writing me and my job because they lost their chance to collect because it had been over six years. 

They continue to write me and my employer. The company continues to threaten me, and recently they have " found '' a signed document that was still never filed. I am afraid and embarrassed by their illegal attempts. My employers are afraid and contemplating releasing me. I have been a XXXX for over fifteen years, and I am a pretty great XXXX. I also love my job. I am a single mother of XXXX, and I acted responsibly in handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of identity theft, someone applied for an XXXX credit card at XXXX XXXX. Now i have a fraudulent hard inquiry in my credit report, i ask TransUnion to remove it but they refused. I received a letter from XXXX XXXX letting me know, they ask TransUnion to removed the fraudulent hard inquiry from my credit report but nothing has changed yet. Im very frustrated, this is a very serious matter and TransUnion is not willing to help. Please remove XXXX/XXXX XX/XX/2017.

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 03-03-2017 about Credit reporting () with First Investors Financial Services Group, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been having issues with first investors since XXXX. I have disputed this account several times and even reached out to first investors in an effort to settle the debt, but no agreeable arrangement could be made, and any help in this matter would be greatly appreciated. I had an auto loan with first investors since XXXX, and I have paid faithfully until XXXX. In XXXX I began to notice that my account balances to raise instead of dropping and other inflated charges began to appear. I called to inquire about account balance and was consistently met with hostility. with no other option available in XXXX refused to make any further payments until an audit of my account was completed. first investors finally repossessing the vehicle mid XXXX and selling it. I started disputing the information reported to the credit bureaus immediately. with every dispute The debt came back as valid. upon hearing about the lawsuit XXXX lawsuit between the CFPB and First investors, I reached out to FIFS in an attempt to settle my account but FIFS would not respond. This issue has been a major issue impacting my credit since XXXX and I believe I have made every every attempt to resolve this issue. Any help with this issue will be greatly appreciated. 


I have attached the most recent copy of the information reported to experian. showing over 4 years of on time payments at {$510.00} with over ( {$30000.00} ) invested in the vehicle.

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 08-04-2016 about Debt collection (Medical) with Southern Tier Credit Center Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from a collections agency in XXXX XXXX NY area and they asked me to pay for an ambulance service back in XXXX. I have never been in an ambulance or received care at the emergency room in over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: There's a credit card account on my credit report which was for a business, not individual, that has also since been settled and closed back in XX/XX/2014 ( XXXX XXXX XXXX ). This has not been removed off my credit report despite multiple 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 explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: On XX/XX/2017, upon hearing of the data breach at Equifax, I went to their website. It asked for the last 6 digits of my social security number. Then it told me none of my credit information had been compromised.
Then I learned that by using the site to check if my data was breached, I had opted into an arbitration clause. To preserve my rights to sue them in a federal court, I have to notify them in writing. Snail mail, stamp, envelope, time. Equifax tricked me. Of course I can join a class-action lawsuit, but right now I just want you to enjoin them from tricking other consumers as Equifax tricked me.
Equifax does not provide a clearly accessible phone number to contact customer service, specifically for those whom may have been affected but have not bought any products from Equifax.
If their website contained a telephone number for consumers who had not created an account from purchasing a product, I could not find it. I am XXXX. It could be that the website was poorly constructed and that my screen reading software merely did not read the number.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX has not proven or justified the issue of the California All Purpose Certificate of Acknowledgment to how XXXX XXXX XXXX the notary sign and Witness me being XXXX XXXX personally appeared on the document to make the instrument being the deed legally binding. 

I have attach the document as proof and have sent it to document places to get the document verified as it is the same signature that did and sign and fill out the document. 

XXXX XXXX XXXX XXXX has yet to give a truthful answer its all ways something I did not request or some slick talking or trying to act as if there not at fault.

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