milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied for residency at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX phone XXXX ) and they ran my credit check through XXXX XXXX XXXX # XXXX XXXX, CA XXXX phone XXXX. They ran a Experian/XXXX FICO version XXXX credit report and my credit score came back at XXXX which is below the XXXX minimum they require at this residence. When I called to request my credit report from Experian, I was given a credit score of XXXX which is a version XXXX XXXX score they provide to consumers. I asked numerous times how can I improve my XXXX version XXXX score and no one in experian, XXXX XXXX XXXX XXXX even knew what a version 3 XXXX score was. I am trying to get a sense of what my current score is now since I have to pay {$70.00} each time to run a credit check at this residence and no one has been able to help me. I am in urgent need to correct this matter since I need to procure a residence asap for my new employment XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX SPS - Home Retention started prior to having home on market from XX/XX/XXXX unable to sell ( 96 days ) as of XX/XX/XXXX Present XX/XX/XXXX have been given the RUN AROUND NOW DUAL TRACKING AS TODAY XX/XX/XXXX WAS TOLD OUR HOME IS GIONG TO FORCLOSE XX/XX/XXXX BUT HAVE LOAN MODIFICATION/HOME RETENTION APPLICATION SINCE XX/XX/XXXX PLEASE ADVISE MY HUSBAND AND I HAVE FAXED OVER 20 TIMES ANY AND ALL DOCUMENTS THEY KEEP SAYING 30 DAYS TO REVIEW SINCE XX/XX/XXXX WE WANT TO KEEP OUR HOME OF 20 YEARS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have disputed a late payment on my credit report with XXXX XXXX XXXX XXXX stating that payment was late in XX/XX/XXXX. I submitted supporting paperwork from the XXXX County office of XXXX XXXX XXXX Support  Obligation Summary showing that the payment history shows the payment was made at that time and taken out of my paycheck from XXXX XXXX. They refuse to remove the negative strike from my credit report. I have called on XX/XX/XXXX to XXXX XXXX XXXX XXXX and they are of no help pointing me to go back to Experian and dispute the mark

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 09-05-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was released from a lease which had three lessee 's and tried to settle but the lease holder XXXX XXXX XXXX XXXX in  XXXX Florida would not accept my portion of the lease, due to another lessee being delinquent. They refuse my check several times, and then agreed to write me off the lease. They later sent turned over the collection to Hunter Warfiield XXXX XXXX XXXX XXXX XXXX FL, XXXX. My account number is XXXX they have a claim for XXXX. I again contacted them to settle, they refused to settle. I would like to settle, but they released me from the lease only to notify I owned XXXX. I do not owe this amount. I supplied documents they signed releasing me form the lease after they refused to accept my payments.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: On XXXX XXXX,2017 my Dentist issue a charge back of {$600.00} to my CARECREDIT credit card account due to an overcharged from my recent XXXX XXXX, I contacted CARECREDIT to issue a check for {$600.00}, which they happily agreed upon my request..It is now XXXX XXXX,2017..over a Month Already, and No check! I called and the Phone Rep. always gave me the run around " the check is in the mail '' speech line.I have been getting all my other mails, but nothing from CARECREDIT..I also did research and they are known for FRAUD and CORRUPT activities..I do not want to be the next victim ... Please Help 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 05-09-2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Customer service / Customer relations

Complaint: I am just an authorized user on my ex-husband 's credit card. They will not remove me, and they will not change the email address on the account so I can continue to get emails about this credit card that I 'm not responsible for. Which makes no sense because I have no vested interest in making the payments, so they need to change it to his email

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Chase/XXXX XXXX, account number XXXX ; 2. ) Chase/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Capital One absolutely refuses to help with my two accounts that are past due! I have several cards that are past due, and the companies have let me make minimum payments and took away ALL INTEREST FEES!! CAPITAL ONE REFUSES TO HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to access the free credit report through the FTC site XXXX and was unable to access. I decided to pay for it and I was charged {$12.00} for a Equifax report and was unable to access it. This is a ripoff with the FTC promoting it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: *** This is not a duplicate ***I have been a victim of Identity Theft and have provided a copy of the Federal Trade Commission Identity Theft report XXXX as well as a XXXX XXXX Police Report XXXX to Experian on XXXX XXXX, 2015. Experian did not remove the account from my credit report. 

On report XXXX, Experian did an allege investigation and responded with an automatic response that they verified that this account belongs to me. This is an identity theft case, what kind of verification could Experian have done? 
I 'm not asking Experian to do another allege investigation. I 'm asking them to remove this account XXXX XXXX XXXX from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I originally filed an identity theft report ( FTC and police report ) XX/XX/XXXX. XXXX and XXXX corrected and updated my credit report accordingly. TransUnion had up to XXXX business days after the acceptance of the identity theft report to block my information pursuant to FCRA 605B. The unverified items that are reporting on my credit report were never blocked or investigated ; TransUnion only parroted that they were verified. I sent another letter on XX/XX/XXXX once again stating that these items must be deleted, and again they were not. Again I wrote on XX/XX/XXXX and nothing happened. I sent a debt validation letter on XX/XX/XXXX and was only told that it was verified again. I included in this letter that the CRA must send me the documentation as proof of verification and validation of the debt. I sent my XXXX and final written request on XX/XX/XXXX. I will be sending out an intent to sue in XXXX days. I also called TransUnion and spoke with someone there. I have her direct information if you would like it. She told me that TransUnion does not need to provide documentation, and this violates my rights, as these accounts were then never verified. All of my requests have been ignored and I intend to pursue this to the full extent, as these accounts are unverified and do not belong on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing statement

Complaint: I over paid Capital One in the account by {$700.00} and they will not send me a check for that amount. I asked for the check and closed my account. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was making double payment when possible, sometimes triple payments in a month thinking the other payments were going to the principle, to pay the loan off quicker. But looking at statements navient was still putting every payment to intereste, then to the principal. When I email them, asking why it was like that they told me it was a government right to collect interest on all payments. Why can you make double payments on a car or credit card where the second payment goes fully to the principal, but not on loans. It makes impossible to pay loans faster.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loaning Servicing has changed their on line payment system. The system is down and is not working. There is no notice on the web site that it is not working. I attempted to make my XXXX payment on XXXX/XXXX/15, XXXX & XXXX but it failed. Using the customer contact email system, I wrote that it was not working, it clearly states that they would reply in 24 hours. No reply has been received back at this time. I have also written the Ombudsman and have received no reply back. My other complaint is they have change the terms on online payments. It states that you can not make a free online payment after the XXXX. The terms of loan agreement is the payment is not consider late until after the XXXX of the month. I am extremely dissatisfied with the service I received from Owcen and could only imagine how difficult they would be to deal with if I ever ran into financial difficulties

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Credit decision / Underwriting

Complaint: I have a loan modification thru Bank of America. The loan gradually increases in ( ARM ) until it is supposed to cap out at 4.5 % per the original loan documents. I have contact BofA numerous times, they are now sending me documents saying that the loan caps at 5 %. I have called them and asked them to correct this. They say I am right, it will cap out at 4.5 %, but yet they continue to send me documents and charge me amounts different than what my loan documents say my principal and interest is.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I am trying to get a letter of deletion/forgiveness for a late fee that was reported to credit bureau. It is for the month of XXXX. I called the company and they said they were unable to do it so I had to write the home office. I have n't gotten a response as of yet and I 'm in need of one.. I need the letter of forgiveness in order to pass the underwriting for my new home. That letter is the only thing holding me up from moving. My job changed it 's pay period so therefore I was late paying.My account is still open and current with prompt payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: I do n't even know where to start. I have disputed this on consumerfinance.gov multiple times. There is INCORRECT information on my XXXX report that no one seems to be able to correct. XXXX says they verified with Synchrony bank ( # XXXX. ) Synchrony bank ( # XXXX ) says they do n't handle credit card divisions of the XXXX creditors- JC Penny , Lowes and Old Navy . Synchrony bank gave me another phone number to call, and they answered identifying themselves as Synchrony bank ( # XXXX ). They told me to have them do a credit bureau inquiry for my accounts. The first Synchrony Bank ( # XXXX ) phone number XXXX said they do n't understand why the credit report has their phone number. THIS is the Synchrony ( # XXXX ) that is showing incorrect information. They said they ca n't see my actual account to confirm I have XXXX balance. They gave me number to another Synchrony Bank ( - # XXXX ) XXXX who tells me they have the same information that I have showing XXXX balances, and dont have any idea who the " other '' Synchrony Bank ( # XXXX ) is. Synchrony bank ( # XXXX ) tells me to dispute this discrepancy, which I have through consumerfinance.gov and directly with XXXX. XXXX tells me to call synchrony bank and have they make corrections. These errors have caused my credit score with XXXX to drop by XXXX points. I have been turned down for a loan due to this. Synchrony bank told me to write to to FCRA. When I look up information for FCRA- it sends me to -- CONSUMERFINANCE.GOV! 
I have a XXXX balance with Old Navy and JC Penny. My balance with Lowes is incorrect. My good credit standing with XXXX XXXX showing a {$5000.00} credit limit paid in full has disappeared from XXXX ONLY XXXX I am at wits end. I will contact he consumer reporter at the news station and see if they can direct me somewhere that can help. I expect consumerfinance.gov to be able to figure this out. The letter I received from XXXX today says they " verified '' this information with Synchrony bank and it is staying on my report Obviously they did not verify anything.

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 06-06-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Credit monitoring or identity theft protection services

Complaint: Ocwen loan servicing has reported the I was late on a payment back inXX/XX/XXXXof this year. I have the statement from them to prove it is not true. But they have  already hit my credit report. The worse part of all this is this is the second time in about 1 year that Ocwen has done this. The first time was after my bankruptcy was completed last year. the reported I was behind on payment. I have never missed a payment and after proving it to them which toke months Ocwen came back and said it was underpayment from the bankruptcy and it happen while I was with XXXX XXXX XXXX. After about six months the made me refinance at the same rate and years that I was already at. I have been making more then the monthly payment since. Which is a good thing because it seems like they keep changing the monthly amount. It seems like they are trying to do it all over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (FHA mortgage) with AMERICAN NEIGHBORHOOD MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2017, XXXX XXXX Loan License mortgage loan officer who worked with AnnieMac Home Mortgage located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX with office number : XXXX ( XXXX ) XXXX. She called me and e-mailed and offered me refinancing my property to save my mortgage payment. After we talked over the phone, she e-mailed me requirements to submit to their company directly to her. My partner and I submitted our documents together. Our documents contains our personal information, financial information, tax records, from our social security to our pensions together were all submitted to her. After completing submitting all the documents, I never hear from her anymore. I called and left messages and emailing her and still no response from her. After couple of days, I called back again and the sales department told me that she was no longer working there and he told me, the manager will be calling me. I never received any calls anyone of them until now. Just our concerned was, " where are our documents ''? Are they safe? Are they with XXXX XXXX? Despite of my calls and e-mails to this company, nobody will email me back at least will tell us what was happening? They claim that has been in business for 20 years helping families, but it seems that they are scammers getting personal financial information to innocent family like us. This company should be flag giving warning to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Thank you for taking the time to review my inquiry. I am an Ocwen customer who suffered damages as a result of XXXX XXXX. My insurance co had mailed me a XXXX party check for repairs of my home. I sent the check to Ocwen, they endorsed it and mailed it back to me. I endorsed the check and deposited it in my personal bank account. I used the funds to pay my contractors as I was supposed to do. In XXXX of 2014 I attempted to make my regular monthly mortgage pymt and was not allowed to as I had been charged XXXX in " fees '' on top of my payment and was not able to make a partial pymt, The " fees '' they are referring to is the XXXX in insurance money that was never due to them, nor will it ever be due to them. I have complained multiple times and have reached out to Ocwen customer service and their research dept but have gotten nowhere. In an effort to save my home I applied for a modification which was recently approved however they still have not removed the XXXX in " fees '' and as such my payment has gone up considerably. While I am grateful for the modification offer, I can not accept it until the " fees '' are removed. I have contacted the XXXX for assistance with dealing with Ocwen as they do not operate in the XXXX and I was given this agency 's information for assistance. 

I thank you for your time and attention to this matter and look forward to working with you to resolve my mortgage issues.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Consumer Loan (Vehicle loan) with DriveTime (VA).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX I purchased a vehicle through Drive time located in XXXX Virginia. I 've now realized that they had never placed me on credit report showing that I 've been paying on time I do n't even show them as A creditor I am paying through as an auto. Fact my credit report is showing I do n't have an auto loan active. I called on XX/XX/XXXX and spoke with Drive time representative. She informed me they were having problems trying to post with Equifax for people who have had bankruptcies. he informed me they been working on it and hopefully it will be resolved within 2 to 3 months. Informed her I have been paying on this loan For almost four years. Told me to call back then, see if it 's been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation