milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2016 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Quicken loans contacted my father while he was XXXX and was not legally supposed to sign any documents. The documents were hidden from me and I found them when my father passed away. I advised quicken loans that he passed away and they told me I could modify or refinance my fathers house. I told them the house was not worth what the amount of the loan was. I had the house appraised in XX/XX/2016 and the house appraised for {$230000.00}. When quicken loans sent someone to appraise my fathers house, they used comps that were not comperable to my fathers home. They used comps not near my dads home and homes that were for sale and did n't sell yet. I opted to do a short sale on the house, quicken loans approved the short sale as well as the va. I have had nothing but headaches since my father passed with quicken loans. They did. A loan with a man that was XXXX, XXXX, XXXX and when I asked them how they could do that, their answer was if he can sign his name he can have a mortgage. Quicken loans is the worst place and I would never recommend them to anyone. What they did to my father was a predatory loan and is illegal. I will let everyone know what they did to my father and the home that was in our family for 48 years. They would rather sell the house to a complete stranger then to his daughter. They will receive less then the $ XXXX I offered.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Mortgage) with Advanced Collection Bureau, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My roommate and I were evicted from XXXX XXXX XXXX in XXXX, NC back in 2013. We only owed one months rent which was just about {$900.00} but once turned over to Advanced Collection Bureau they tacked on extra fees totalling {$2700.00}. They have called me repeatedly and asked me personal questions about my income taxes and recommended that I send my entire check to them. I was told that I will never be able to get an apartment in my name again. When I asked to speak with a supervisor I was told I did not need XXXX and I just needed to pay the debt. Representative was very rude. The apartment complex is no longer in existence they are under new management and I contacted that particular office and was told that they do not have any record on file of my roommate and I owing any money to them. So if Advanced Collection Bureau is no longer collecting the debt on behalf of XXXX XXXX then they are pocketing the money themselves! We did not get our {$500.00} deposit back and it should have been applied to the balance left after we moved so I do not understand why the amount in collections is so high. I will take this to court I will not pay for something I do not understand.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to TransUnion to get a free credit score check. This is the first check in many years and it therefore should have been free. The Transunion website forced me to enter a credit card # to continue. I entered the credit card information but never agreed to any charges to the card. I later checked my email and I was signed up for credit monitoring with a XXXX charge. I never agreed to have any expense placed onto my credit card. The website never indicated that I was going to be charged for anything. I believe this is a deceptive business practice from Transunion. I have disputed the claim with Transunion and disputed the claim with the credit card company. Even though Transunion eventually relented, this is clearly a deceptive business practice. People go to the 3 main companies to get a free credit report and Transunion intentionally directs this traffic to enter a credit card number to deceptively charge without a clear signup communication. What a scam!

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 10-02-2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Payoff process

Complaint: I have made a massive effort to pay off my debt to Citi. Over the past 17 months I have made over {$6000.00} in payments above the minimum due. Despite contacting Citi several times, they continue to apply the payments that exceed the minimum payment toward the lowest interest rates first. They have paid off my deal at 0 % and after paying an additional {$1000.00} over the minimum last month, they once again applied a considerable amount to the lowest XXXX 2.9 % ) and less than half to the highest XXXX 19.99 % ). This has been continuing for more than a year. This is a clear violation of their Card Agreement and the Credit CARD Act. Also, In the past two months XXXX of my " deals '' have actually increased in amount owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Vehicle loan or lease (Loan) with VW Credit (FL).
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 written to XXXX on a minimum of three occasions requesting proof that I was ever late in my payments and they have not provided me with a pay history from the beginning of the account opening. These late payments being reported are harming my credit profile and score.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 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: Unfortunately I have to complain in reference to previously submitted complaint XXXX! I have contacted American Express several times, all the time I am being asked to wait. It got worse these past two days as while I was speaking to their representatives, they are saying that my case was opened on XX/XX/XXXX, meanwhile I have no idea about it. -After submitting my first complaint, on XX/XX/XXXX American Express has replied with a letter, just apologizing and asking to wait for final decision. Let alone I never received any further notification nor letter as they committed, now American Express are telling me that my case was opened on XX/XX/XXXX!!!! Is it my lack of comprehension or American Express ' horrendous customer service? I need a final decision communicated to me via letter as they have promised. I can not take it anymore, dealing with highly incompetent reps. I don't mind them not having an answer, what is frustrating me is the fact they keep telling me untrue information. I have not dealt with one single representative nor supervisor who would own the issue from start to finish. Please, give me a final conclusion, I don't want to deal with your highly poor Customer Service, incompetent and misleading representatives, lack of care from you ( AMEX ) as a company to keep your word!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I filed a police report with the XXXX Department XXXX XXXX XXXX. I sent the police report to the three credit agencies. 

XXXX and XXXX received the police report and blocked this information : 1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX # XXXX 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX  XXXX # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX XXXX # XXXX 7 ) XXXX XXXX # XXXX 8 ) XXXX XXXX # XXXX 9 ) XXXX # XXXX 10 ) XXXX XXXX # XXXX They sent notice to EQUIFAX AND XXXX stating : Blocked fraudulent infromation and provided the accounts. 

After speaking with Equifax they stated on the phone : " We received notice that XXXX XXXXnd XXXX received a VALID police report and blocked the above mentioned accounts ; however, at this time we take notice to rescind the block '' I asked why? They stated they have no reason ; they do n't block fraudulent accounts. 

SO! They verbally told me that they ignore the FCRA 605B LAW which states when they receive a valid police report from the police, credit bureau or consumer, they are required by law to PROTECT me, the consumer, and block and remove the information immediately. 

Equifax is ignoring this law. They are ignoring a law enforcement report. They are also ignoring their fellow credit bureaus which they share certain information this. 

This is not LEGAL. This practice needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-01-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have asked experian to fix these hard inquiries but they refuse. The company of XXXX XXXX sent them a letter and I have sent them a copy of the letter stating that this was an error and should only be once and not three times that they ran my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I was advised that an account was open under my name ( XXXX XXXX ) and my business name ( XXXX XXXX XXXX ) @ XXXX XXXX in New York. I advised them I 've never had an account with XXXX and filed a complaint with XXXX directly today XXXX XXXX, 2017. As result causing me to have an issue with opening a business bank account with XXXX XXXX XXXX under my Business Name because it showing up in 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 07-09-2016 about Mortgage (VA mortgage) with Stearns Ventures, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company recently pulled my mortgage payment on XXXX XXXX for my XXXX payment. The company then helped themselves to another mortgage payment on XXXX XXXX without my knowledge. I called the mortgage company to see what was happening and had an unapologetic person on the phone that said they made an error and will refund the money by hopefully Monday ( XXXX XXXX ). The mortgage company successfully wiped my accounts clean and I am now borrowing money to make ends meet. I am calling my credit card companies to please not pay themselves so that I can avoid overdraft fees. 

This is unacceptable for anyone to take my hard earned money and take all my money from me.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I   XXXX   from  XXXX   XXXX   XXXX   in   XXXX   XXXX  . I should 've had 6 months from  XXXX , which would 've been  XXXX   XXXX , before repayment on my student loans was expected. Before the 6 months, Navient, tried to collect on the loans. I called to get an income driven deferment. The gentleman I spoke to around  XXXX   XXXX  on the phone did the application. I qualified for an income deferment. I asked for a year deferment, which according to the Department of Education when I spoke to them, I should 've been given. The man from Navient who did my application refused to give me a year, he would only give me 6 months even though I asked multiple times for a year. He also gave me false information regarding the deferment process and said that I could only defer my loans once which is a lie. I was forced into taking a 6 month deferment. Which when speaking with  Navient  on    XXXX   XXXX   XXXX   XXXX  , he gave me an income deferment, he gave me a 6 month forbearance. 6 months from the t ime my loans were " deferred '' would 've been until  XXXX .  Navient  would 've been able to start collecting on my loans in  XXXX   XXXX  which is when I called in next. When I called in next I was told that my loans were in default, some were 30 days past due and some were 80 days past due. I said, " if I deferred all of my loans they would 've been deferred at the same time which would mean that they 'd have the same dates due. '' Navient could n't explain how there was a difference in my " past due '' time frames. They would n't help me get my deferment issue figured out, and I was hung up on. Navient has given me false information, forced me into deferments that I did n't want, calculated interest when none should 've been calculated, and have tried to collect on my student loans when legally they had no grounds to. To add, navient has not only done the above but has reported me delinquent to credit agencies destroying my credit when they have given me false information and tried to collect when they should n't have and legally were n't able to do so. They have also called my phone when I specifically gave them information NOT to call and gave very specific terms on how to get ahold of me via text.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I check my credit report once a month to make sure that all of my accounts are being reported correctly. In  XXXX , I noticed a random collection company by the name of  XXXX   XXXX  services reported a collection on my reports with an acct # of  XXXX . It states that I owe  XXXX . I do not have  XXXX  nor have I had their services in over 7yrs. I then started to get phone calls from this company. I spoke with them and informed them that I did not open a  XXXX  account and I do not owe them. I told them the account is fraudulent and not mines. The rep also quoted me some fraudulent address that is not mine. I have never received any letters from  XXXX  or  XXXX   XXXX .   I have contacted all   XXXX   credit bureas regarding this fraudulent account. Since,  XXXX  and   XXXX   have completed their investigation and removed this account.   Equifax however has not removed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I applied and was approved for two credit cards with chase. 1. A Chase XXXX XXXX XXXX 2. Chase XXXX XXXX XXXX. The first was applied for and approved on XX/XX/XXXX and the second was applied for and approved on XX/XX/XXXX. I  informed Chase that I would be traveling in XXXX from XX/XX/XXXX to XX/XX/XXXX.  I was offered rush delivery in the XXXX XXXX and was delivered to me before my departure date. On XX/XX/XXXX I received a message that my chase card had been removed from XXXX XXXX. I then logged in and found that both accounts had been closed despite me being on travel. I called Chase and was told that the risk analysis department had closed my accounts without any warning. I had not used more than 15 % of my total available credit and was mostly on food and travel. I was also charged the {$450.00} annual fee and had the card less than 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (MI).
Issue: Struggling to pay mortgage

Complaint: To whom it may concern : I my mortgage loan is with  XXXX   XXXX   XXXX  and is being handled by  Shellpoint Mortgage Servicing.  I entered into a modification that began  XXXX / XXXX / XXXX . Since the beginning of my modification, amounts on my statement have been incorrect. I have tried over and over again to get the amount corrected. Now, six  months later, Shellpoint has  made the correction, however, they had hired an attorney to submit my home for an auction sale  XXXX / XXXX / XXXX . I am told that in order to remove the foreclosure status and auction sale date, I must pay foreclosure fees and cost  ( {$2100.00} ) in  addition to the months payments owing from  XXXX / XXXX / XXXX . I am prepared to satisfy the monthly payments, however, I feel it is unfair and a scam to now after correcting the error caused by Shellpoint, I should have to pay those fees in order to save my home. I am not in a position to pay for the fees resulting fro m Shellpoint 's error. Shellpoint refuses to send me a statement reflecting the correction. Please provide assistance in this matter. Th ank you!     Companies involved :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX  Shellpoint Mortgage Servicing  XXXX    XXXX   XXXX    XXXX , SC  XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (I do not know) with Southern Oregon Credit Service, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have recieved numerous calls from an individual who names me and says i need to return his call and that his name is XXXX. The number that came up on my caller id was different then the return call number left. I googled both numbers and found out that it is a collection company. They never said who they represented or what the call was about on the message. Just that i need to call them asap.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom i t may  concern, I faxed over a multiple inquiries letter  XXXX   XXXX ,    2017  and  XXXX   XXXX ,    2017  in order to dispute information, in regards to over  XXXX  hard inquiries that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request  XXXX   XXXX ,    2017.  The request I submitted was over  XXXX  hard inquiries that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),   it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I received an email from XXXX XXXX with an " Important Account Status Notice of Credit Limit Reduction, '' notifying me that my credit line has been reduced from {$10000.00} to {$2000.00} based on information provided by Experian. I attempted to contact Experian today ( XX/XX/XXXX ), but their website does n't allow for an individual to make complaints, but only by " Company '' accounts. I called XXXX XXXX and spoke with a representative whose name I ca n't spell or pronounce, but who had informed me that my credit line was reduced by {$8000.00} because Experian is reporting that I am delinquent on one or more accounts. While I had contested the delinquency on an account, the credit provider stated that they had reported the correct information in that I was never delinquent. However, Experian continues to report the false information and has negatively affected my credit and credit rating. I have never been delinquent on any account for at least 45 years. This false reporting is creating a hardship for me.

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 01/26/2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: HO with delinq mtges with Fifth Third contacted me asking for help with a loan modification. I gathered all the information and send the RMA and all other required docs to the bank for review. On XXXX XXXX, 2016 the POC person at the bank, XXXX XXXX XXXX requested addtl documentation which I immediately faxed to her. On XXXX XXXX, 2016 XXXX requested P & L statements for the HO 's XXXX. I provided them and faxed them in to her on the same day. The HO got a letter dated XXXX XXXX, 2016 from XXXX XXXX at Fifth Third advised that they had to close her file since she did not meet the terms of her agreement???? What are they talking about? I called the bank and talked to a guy named XXXX who said that XXXX 's notes on the file said that since the P & L statements were not signed and dated they were closing the file! Really??? All she had to do was ask me to get them signed and dated which I have done and returned to them today asking them to re-open and review this file for a loan modification. They obviously are not too interested in helping the homeowner and I do not approve of their tactics. Someone needs to talk to them

Company response to consumer: Closed with explanation