milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: When I moved out of my apartment I received a bill for {$650.00} for damages to the apartment. I asked the apartment complex to send me an itemized bill of the damages along with photo proof. The apartment complex failed to give me an itemized bill and photos of what they were charging me for. 2 weeks later I received a letter from a collection agency for the money that was supposedly owed. The collection agency has since started charging me interest on this account, and I still have not received a bill or photos telling me what the damages are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (Conventional home mortgage) with STATE FARM BANK, FSB (IL).
Issue: Trouble during payment process

Complaint: Sir/Madam : See previous complaint # XXXX. These are additional documents to initiate a second complaint. 
My housing councilor of the XXXX XXXX XXXX XXXX, XXXX XXXX received information by his phone call on XX/XX/XXXX to State Farm 's representative XXXX, prior to the XX/XX/XXXX concerning denial of Loss Mitigation/Modification. The company at the time could not give reasons for the denial and knew of the denial long before the XX/XX/XXXX. Neither, did they informed you of a decision, that was made to be reviewed on line. 
I am XXXX and on fixed income and use XXXX for the legal side. 
The letter is dated XX/XX/XXXX. I received by XXXX XX/XX/XXXX XXXX the denial letter with explanation. See attachment. 
t has come to my attention, XXXX XXXX is the owner of the Mortgage and they stated, current loan terms were the most favorable and their address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I disagree. Their proposal does not match fixed rate of 4.125 %. See initial documentation.

I have to XX/XX/XXXX to appeal. Sale date is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: All requests for a detailed investigation was responded to with bureaucratic filler jargan to deflect from what I was very specific about on my request. I want to give a written request for a forensic audit investigation into ALL CREDIT REPORTING AGENCIES XXXX, XXXX, AND EXPERIAN and the manner in which they Rendered ALL my dispute requests .I am requesting that they provide a detailed Forensic audit of my credit report and investigation of ANY creditor that can not provide written proof of my request for service such as third party Creditor who paid for my debts, accurate date of delinquency " creditor or dept of education and inquiries '' for example I have student loans from 2000 on my report but when i review my credit history it says 2 years. Either completely remove the old info and show only the consolidated report or allow me credit for the number of years my student loans existed and they all MUST be removedcompletely never to be seen and immediately. I want ALL CREDIT REPORTING AGENCIES to remove ALL VARIATIONS OF MY NAME THAT DOES NOT REFLECT A DIRECT MATCH to my court ordered name XXXX XXXX XXXX and match on All 3 Bureaus I request that there be copies of the FORENSIC AUDIT sent to me via email. I reserve the right to file lawsuit against all parties involved that refuse to cooperate fully and truthful with my complete request. This is my final request and attempt to correct and update my " Required Credit History '' THAT CURRENTLY IS CAUSING ME HARDSHIP IN JOB SEARCH AND ABILITY TO ACQUIRE CREDIT. I am a victim of Identity theft as recent as XXXX with several auto dealer inquiries I never applied for " I have a car im paying for '' Lastly I require that ALL THREE Credit Agencies XXXX XXXX AND EXPERIAN REPORT THE SAME INFORMATION OR NONE AT ALL. My next step is to file a lawsuit.

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

Complaint: I have sent all 3 major credit companies dispute letters for some time now and i have even sent them certified.Yet and still there has been no response as to removing the negative items 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 12-02-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (ME).
Issue: Loan modification,collection,foreclosure

Complaint: Our loan was sold to SLS after being with XXXX ( and very happy ) for almost 13 years. We had applied for a modification with XXXX and we were told all the paperwork would be sent to SLS to finish processing. I received a letter from SLS that XXXX items needed to be changed to the SLS document for further review. Items were emailed the same day, XXXX. On XXXX, I received a letter that nothing was reviewed since I did not send the items in on time. I called SLS and she stated that they had both items but the signature was in the wrong place. I had called 2 times and spoke to a person since sending the documents in. I was told everything was being processed in underwriting and that they would get back to me. On XXXX/XXXX/16, I called SLS and the automated system told me that my workout status was approved and they were finalizing the paperwork. When I questioned the Rep about that call she stated that the automated system was not always right and that I should be calling and speaking to a person every time. But, I had spoken to TWO Reps and none of them told me there was an issue with my paperwork. I asked if I could send in the ONE piece of paper that had the wrong info on it and I was told " No, you need to send a whole new packet into us to process again. '' I asked why no one called me to let me know that the packet was wrong since I had received information re : the missing paperwork. I was told that it was my responsibility to call and follow up. But, I did, so if I did my job, why are they not doing 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 06/24/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am up to date with my payments and they are trying to sending foreclosures paperwork it got messed up when escrow paid my insurance XXXX now I 'm having trouble they keep asking for more money I do n't no what to do I have all reciepts through my bank I keep calling them at least once a week but they r rude and I get no where. Greentree is my mortgage company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: Since reporting an issue with my checking account ending in XXXX to chase, about which XXXX unauthorized debit and XXXX unexpected ( and new ) {$20.00} chase fee, sent my account into a cascading negative state, fees and penalties have continued to mount ... .in amounts that I ca n't realistically pay, even in it were fair. 

How can chase justify roughly XXXX dollars in overdraft fees that have mounted ( and were contributed to by the fees themselves ) that all were started from XXXX unauthorized debit ... .. after which a handful of new debits came through, were not paid and were then accessed fees. It 's is unfair and outrageous considering I notified chase of the errors and my intention to try and stop the bleeding and chase simply rolled out the excuse " you 've had reversals in the past so we ca n't help you. '' It should be illegal what has happened here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage loan with BB & T. They received a wire on XXXX XXXX, 2015. The payoff left an escrow balance of {$4000.00}. I called BB & T today to find out when my funds would be released to me. I was told that it would be 2-3 weeks before the funds were " mailed '' to me. The loan servicing agent then give me the date of XXXX XXXX, 2015 as the date I could expect my funds to be " mailed '' to me. That date would add another 3-5 days before receipt, or possibly as long as 1 full month from the date BB & T received wired, good funds. I inquired if I would be receiving interest on my funds and was told no. This seems like an exorbitant delay without compensation for BB & T 's use of my funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, My name is XXXX. My address is : XXXX, RI XXXX.My date of birth is : XXXX.My social security number is : XXXX 0n XXXX I reported to the credit bureaus that I did not authorize the folowing banks and financial institutions to pull Hard Copy inquiries from my credit report. I also told the dealership not to run my credit with any other banking institution for credit on our new vehicle, I only gave permission only from " XXXX '. I told them if their financial institution which is " XXXX '' could not finance us, then I do not want to buy the vehicle. I was informed by my sales Representative XXXX, that my credit would not be sent to any other financial institutions. But to my suprise, I found out later that, that was a lie. When I pulled my credit report it had so many more Hard Copy inquiries pulled from the following instututions and banks : -Here are the detail of the hard pull inquiries which were not authorized ( TransUnion ) are 1.XXXX - XX/XX/XXXX 2.XXXX -XX/XX/XXXX 3.XXXX -XX/XX/XXXX 4.XXXX -XX/XX/XXXX 5.XXXX -XX/XX/XXXX ) I did not give permission to run my credit from all those instititions and banks except " XXXX '' who financed the vehicle for us. I wrote the dealer and they did not respond to my request for them to contact the financial institutions and have them to remove those unauthurized inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I like all these banks and institutions remove these unauthurized inquiries. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help.

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 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (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: In XX/XX/XXXX, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I did n't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XX/XX/XXXX, I sent goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved.

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX states Equifax changed my report and then reverted it back intentionally. They are harassing me and ruining my credit and blaming others.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Equitable Acceptance Corporation (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The Equitable Acceptance Corporation fraudulently obtained my information from the XXXX XXXX company. Both XXXX  XXXX and the Equitable Acceptance Corporation contacted me in correlation to my student loan debt which are through the XXXX XXXX XXXX. After further research, both companies have proven to be fraudulent and are in no way associated the Department of Education and the repayment of my student loan debt. There has been an inquiry and " credit card '' balance added to my credit report, which has drastically degraded my score. These companies knew that they made false accusations to obtain my information and could not resolve my student debt. They have produced false documentation and false information under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
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: Aroun d  X/X/ 17 w e planned an email campaign for  XXXX   XXXX   XXXX      2017.    Time  was of the essence for the promotion. We wanted to try a free trial version of  XXXX  to determine if it was right us. The trial version requires a credit card number, we provided our Citicard. We never received the trial and were simply charged for a years subscription. Although our correct company information was entered, a different account email address was inserted because of some malfunction by  XXXX  's website. This error created a problem so we could not use their service. After explaining the error to  XXXX  support and informing them timing was critical, they were unable to correct the problem. This problem created by their website delayed our promotion and caused us irreparable damage of time and money. We were never able to use their free trial or any other service from  XXXX  because of their error. We asked them to refund the {$710.00} charged to our credit card. Their response was our policy is NO REFUND. This should never have been charged in the first place. We were never able to use their service, and their mistake damaged our promotion. We attempted to dispute the charge with Citicard but  XXXX  denied the dispute, apparently telling Citicard we received something that we never actually received. They offer a free 14 day trial period so even if we used their service ( which we did NOT ) we should have received a refund under the free trial offer. Citicard denied our claim after their review. Their review was apparently accepting the story from  XXXX  who provided no services and simply took {$710.00}. Citicard showed no evidence of how they made their decision and if they would ask for any there would be none! I do not understand how Citicard can simply decide which party is truthful without evidence to support it. On the response from Citicard they had the nerve to accuse us of lying by stating we received the services which we already told them we never received!

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 09/20/2015 about Student loan (Non-federal student loan) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is a totally unacceptable response to an issue I have been working on resolving with AES for 6 months. This company should be investigated by not only the justice department but the entire student loan program should endure congressional investigation. 

ResponseThe response to your Consumer Financial Protection Bureau inquiry from American Education Services/Pennsylvania Higher Education Assistance Agency ( AES/PHEAA ) is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2017 about Vehicle loan or lease (Loan) with Carvana Group, LLC (TN).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On XXXX XXXX XXXX, I purchased a vehicle from XXXX XXXX Lot - Tennessee, XXXX XXXX XXXX, XXXX, TN XXXX. The vehicle was for a XXXX XXXX XXXX XXXX 4 Door. The cash price was for {$9900.00}. Accordingly, the loan was for 27.90 % APR charged on daily simple interest. However, Tennessee Law only allows 10 % interest to be charged in accordance with Tenn. Code. Ann. 47-14-103 ( 3 ). Accordingly, XXXX XXXX Lot - via the Third - Party Administrator, XXXX XXXX XXXX , XXXX overcharged me by over 17.90 % interest during the life of the contract. Therefore, I 'm subject to lending fraud and usury interest. Therefore, the Simple Interest Retail Installment Contract is fraudulent and illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Back during XXXX XXXX, I received a refund check in the amount of {$170.00} from Chase Mortgage ( dated XXXX XXXX, XXXX ), for a Corporate Advance Fee. Since the letter offered no explanation as to how or why they imposed this fee, I went back over all my mortgage statements dating back to XXXX ( original loan ). I found that these charges were applied beginning in XXXX XXXX, and currently continues without further explanation. Chase has not responded to my initial inquiry ( XXXX XXXX, XXXX ) letter. It is now 90+ plus days and I have not gotten an explanation. If the XXXX XXXX XXXX should n't have been applied to begin with, then why is it still being reflected on my monthly statements? I also feel that the {$170.00} is an incorrect amount because this issue dates back over a 6 year period.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a lien for my state taxes, which I paid in full last XX/XX/2014. I took out a loan so I could pay it, and have also repaid the loan. This was all done through my bank XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX, MA. XXXX phone XXXX. p. XXXX, XXXX. I have tried to get this resolved by sending documents to Experian Credit Reports, to no availe. It is still reporting that I hav n't paid the XXXX. Which in turn is affecting my credit. sombody needs to do something, as I just ca n't seem to get my name and credit cleared, and I 'm tired of trying. Could someone Please help me out. Thank-You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 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: A computer glitch that was XXXX problem, not mine has caused inquiries to be deleted from my credit report which they later placed back on my report without a legal 5 day written notice. I contacted XXXX in good faith to ask that they delete what was re-added they chose a few to delete. These inquiries that I did n't authorize are causing a hardship and my rights were violated.

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 11/18/2017 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: I have requested that experian credit reporting to re investigate a bankruptcy that was placed on my credit report in error or by fraud they are refusing stated they have investigate information in past i stated that information was recived by experian was from a third party ask them to do a re investigation on this matter they continue to refuse and continue to report inaccurate information that 's not 100 % accurate as the FAIR. CREDIT REPORTING ACT states in complete violation of section 604 ) ( 605B ) ( 609 ) and ( 611 ) they are stating they will not investigate due to 611 of above sub section of Fair credit reporting act

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