milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I see XXXX hard Inquires on my report that I didnt file for some are from states ive never lived in and or even visted

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 09-07-2017 about Debt collection (Other debt) with WORLD ACCEPTANCE CORPORATION (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: World Finance is reporting on my credit as being charged off as well as late payments for 48 months. If an account is charged off then it is considered closed and therefore no late payments should be reported in addition. This account has already been written off and yet the company is still reporting late payments as if the account is still open. While I do understand that some of these late payments are legitimately being reported, any late payments after the account was charged off is fraudulent. An account either needs to be open with late payments being reported or charged off with only late payments prior to charge off date being reported. It can not be reported as both. I have made numerous attempts to resolve this and even offered to pay the account in full if they removed it from my report. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Consumer Loan (Installment loan) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (MS).
Issue: Managing the loan or lease

Complaint: Please see attached documents. This company refuses to return my phone calls or respond to my letters. I have attached copies of my bank statement showing I was not late. In addition, I have included the fax transmission sheet they requested showing payments made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Account was verified

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was transferred from XXXX XXXX XXXX, XXXX to SLS in XXXX 2015. Since then we have experienced XXXX major problems. The first involved a property tax impound account that we do n't have/never have had ( see complaint # XXXX ). The second involves continually being requested to obtain more insurance than we need on our structure ( complaint not yet filed. ) The third, and the subject of this complaint, involves our PMI account. Although we have paid PMI of $ XXXX/month since our initial payment in XXXX 2015, we recently received a bill for the account shortage. The bill appears to represent two month 's worth of impound account, for the XXXX and XXXX 2015 amounts. Note that we paid the amount for each month as represented by the statement from XXXX. I have attached a copy of the XXXX statement proving payment, as well as a copy of the bill for the " shortage '' from SLS.

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 03-07-2017 about Mortgage (VA mortgage) with MONEY SOURCE, THE (WA).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/2016 I closed on a home loan with XXXX ( Please see attachment 3 ). The loan was acquired by The Money Source ( Please see Attachment 1 and 4 for Billing ). I believe the tax bill was {$1000.00} for every 6 months and {$2000.00} for a year, at the time. 

I received a tax bill from XXXX XXXX in the amount of {$240.00} ( for 6 months ) and {$240.00} ( for the next 6 months ) or for the year {$580.00}. I submitted a request for escrow reimbursement ( Please see attachment 3 The problem is the original 4 month escrow charged and my monthly payments have been based on a {$1000.00} ( {$2000.00} per year and not {$580.00} per year the correct rate ). I requested for an escrow refund ( please attachment 5 )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has told me 3 times over the phone that they would reverse a late fee charged to my account back in XXXX. Last XXXX, I was hit with a {$64.00} late fee because my electronic payment from my bank was delayed XXXX day due to a holiday weekend. Nationstar applied the additional principal I pay on my mortgage each month to the late fee until it was paid in full. I told Nationstar it was not fair to charge me a late fee because the bank was closed on a holiday. They told me in XXXX it would be reversed ( This was my first late payment since the account was opened in XXXX of 2013. My payments were all auto payments from my bank from the beginning. ) and as of today they have done nothing to reverse the charge. They keep stringing me along whenever I call or e-mail about the fee reversal I was told would be done telling me that they are reviewing the issue and will give me an answer the next month and they do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian is reporting that I have a past due balance with XXXX XXXX XXXX XXXX  for {$4900.00} which is incorrect. I have no past due balance this account is paid in full.

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 06-09-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My identity thief has managed to open a credit card account with  XXXX . The balance is {$460.00}.     I do n't shop at  XXXX  and have never had a transaction with this company. The debt is showing over 90 days due. So the fraudulent charges must have been made in early  2017 . My credit should have been frozen by  XXXX , but that seems to not have been effective.     I do n't owe this debt, and my  credit score ha s been damaged because the account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Making/receiving payments, sending money

Complaint: I have an old credit card debt that turned into a judgment. I have been trying to get in touch with someone to get this resolved since XXXX 2015. My account is with XXXX and the only way to contact them is through fax. Finally, I talked with someone on XXXX/XXXX/15 and was offered a reduced rate settlement. I was supposed to get a letter from them, but still have not gotten it. I have even send copies of all faxes, confirmations, etc. to XXXX XXXX ( CEO ) via mail and e-mail to ask for assistance in getting this resolved so that I can purchase a home. No response from him either. After finally talking with the resolution department, they found out that the letter that they were supposed to send to me, was actually sent to an attorney that I do n't even know who it is. So they sent my personal information to someone without my knowledge that told them that they were representing me, who is not. After I finally talked back to resolution, they put in another request for this letter to be sent to my home address. It has now been three weeks and I am no closer to getting this resolved. I have never in my entire life had someone not wanting to take my money for a debt that I do owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 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: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I accessed my credit report and noticed several errors. On XX/XX/XXXX I wrote a detailed letter to the credit reporting agency Experian and each of the companies listed on the report reflecting accounts which were not mine. I provided sufficient information to both Experian and the various companies to identify the inaccuracies and make necessary corrections. Examples of information provided included copies of my birth certificate, bills, bank statements, pay stubs and letters to the companies listing the incorrect tradeline. I received one form letter asking for information which had been previously provided. On XX/XX/XXXX o replied and out of professional courtesy I again provided all of the information previously provided in my first letter along with outlining each of the items requested in Experians letters for avoidance of doubt. To date XX/XX/XXXX I have received no information from Experian regarding this matter, to the best of my knowledge the tradeline and personal information errors have not been corrected and I have received no written rationale for verifying any of the information either. For avoidance of doubt, Experian as of today XX/XX/XXXX is 18-days ( from receipt of my first letter XX/XX/XXXX ) and 26-days ( from the date of my first notice ) over ( pass due ) the 30-days granted by law to investigate and correct or provide written rationale for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by : XXXX XXXX XXXX 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 10-06-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (UT).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2009, a large home, worth about XXXX burned down mysteriously at night. It is in our neighborhood, which has a lot of nice homes. It has been nearly 7 years now, and nothing has happened to tear down or rebuild the home, which is a mess and eye-sore to the community. Why am I writing this : I have been working this case for years now. CHASE Bank seems to be either the owner or the owner of the mortgage. The problem with that, is Chase " hides '' like a child behind laws that are on the books - to NOT tell anyone anything! Hence, XXXX of people here in the community have inquired of Chase about the property, to possibly buy & restore, to tear down the remaining poor structure, etc., but Chase says that they can not tell us anything as we are not the owners. Chase has previously also inferred that they were not the owner, but that the person who built the home, is the proper owner. Whenever we contact him, he adamantly says he is not the owner, but to contact Chase. Wow, what a run-a-round!!! I 've tried to contact JP Morgan Chase 's CEO XXXX XXXX, but that seems to also fall on deaf ears. I 've complained, through this site a couple years ago, once before, and insufficient results only were obtained. So, I 'm DOING so again! Chase owes the public an explanation, so we can then clear up our neighborhood to not appear like a trash bin!

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Already had a hardship deferment with previous collector ( XXXX ). New collector ( Navient -- who had it before XXXX ) took my {$5.00} a month, and then said I had to pay {$280.00} ( One-third of my Social Security for the month ). I paid them on XXXX XXXX {$10.00} to show my good faith to hold while the process the paperwork with documents provided. They acknowledged they had the documents in their system. I had been on deferment before, nothing said I was not on deferment anymore. They again sent me notice they were still collecting {$280.00}. I asked them why, and they said it was going through the process. Do n't worry. Oh XXXX XXXX they pulled {$280.00} ( 1/3rd of my month 's income ) out of my checking account. I called and asked why/? That left me nothing to pay my rent. The Navient 's customer service person said because I gave them permission to pull from my debit card for {$10.00}. That opened the door. I called my credit union, and they said the money was NOT pulled by my Debit card. They pulled directly out of my checking account. ( I tried to upload copies of Navient 's agreement to let me pay {$5.00} a month, my SS letter of my month allotment, and previous XXXX agreement, but my internet access is very poor and it did not process. )

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Rewards

Complaint: I recieved a BankAmericard cash rewards card XXXX. The rules then were 3x cashback on Gas, grocery, and drugstore purchases for the first 6 months. Plus, you earn 1 % cashback on all other purchases. After that was only 1 % for every purchase. This took over 5 years to reach the {$300.00} mark for cash rewards and would have been 25 % more, if it was transferred into the checking account I have had since the 90 's. But they decided to change all the rules and XXXX people out of {$45.00} of the money originally promised for over 5 years. They decided to change it to 10 % now in XXXX 2015. I just finally got to {$300.00} last month 's statement, I was told. I am angry that, it took over 5 years to try and use my card as much as I could to try and get to the {$300.00}, so I could benefit from the 25 %, the reason, I wanted to have the card in the first place. Now only to find out when I tried to transfer my {$300.00} it took over 5 years to reach, that I was not going to get {$45.00} of that money now. To me, this is a way to XXXX everyone who originally got this card, we all lose out on the 25 %. Which BankAmericard is now making money from screwing us all by changing the rules to take it to 10 %, they are making {$45.00} a head from everyone this has happened to, that has taken years to reach this goal. Now we are told, sorry plans changed. Well, I do n't know about anyone else, but this is not very good business. I feel like I just wasted over 5 years of my life, thinking I was soon going to get {$75.00} extra for using this card. How convenient, the average use of this card, will take the average person that long to get to {$300.00}, so they make more money off of screwing us, by changing the rules, when they see how many people are going to reach their {$300.00} goals. This makes me sick. I want my money from my original, reason for signing up for this card in the first place. If I would of known they were going to pull some XXXX like this, I would of never signed up for the card in the first place. Seems a little crooked business strategy if you ask me, not honoring that long of a customer 's contract. I called XXXX before writing this, XXXX, customer service, would n't or was n't able to do anything for me. I told her, sounds like I need to take my money out of the bank and cancel this card, cuz what is the next horrible thing you are going to change? I am not willing to wait to find out.

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 04/21/2017 about Student loan (Federal student loan servicing) with SLM CORPORATION (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am the co-signer on my daughters  Sallie Mae loans. M y daughter stopped making her payment in   XXXX   XXXX   XXXX    . Her loan is currently in default. Since that time I have had several phone conversations with representatives a t Sallie Mae abou t the situation. My daughter has been out of communication with me for over 2 years. I do not know about her work situation or how to contact her. I have provide  Sallie Mae the most current information I h ave on her. In   XXXX   I was told by a  Sallie Mae supervisor that they would use the resources at their disposal to connect with her. I explained that   I could not pay what they were asking as I am already paying another private Student Loan of hers which is {$720.00} per month. I ca n't afford anything more. They needed to find her and figure this out with her. In   XXXX   I spoke with  Sallie Mae agai n and provided an address and phone number for a he place of employment based on her LinkedIn profile. In   XXXX   when I spoke with  Sallie Mae aga in they informed me that they had not tried to find or reach out to her but needed me to pay. I do not understand why with the resources at their disposal they have no accountability to track her down and fit out what her ability to pay is? I was very disappointed that they did nothing with the information I provided them to find her and provided no solution for me. Since this is a  Federal lo an do n't they have an obligation to at the very least provide solutions for the borrow and to do that need to find a way to be in communication with her? It does n't appear to me that they are doing the jobs they are being paid to do. Instead they call me constantly at work, home and on my cell and offer nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit card () with WELLS FARGO & COMPANY (MN).
Issue: Other

Complaint: I thought I was applying for a balanced transfer but instead it was a cash advanced. In addition they never calculate or show during the process a fee for a transfer ( actual cash advanced ) the amount for the transfer ( cash advanced ) until after the transfer ( actual cash advanced ) It says transfer everywhere, they talk of balance transfer, no mention anywhere Cash Advanced, I was told 3 days later at the bank office it was not a Balanced Transfer but Cash Advanced. different fees, different monthly payments every month. How deceptive. I was told by someone in the Corporate office I could get it changed once I paid it off. Give me a lie then I have to pay for that. Why are they allowed to run a XXXX XXXX like that? 
Solution : They should be made to place cash advanced description on there website in big bold print, capital letters. There is a reason its not there. How sad to deceive people in such way, why are they allowed to even have a banking business.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Re : XXXX account XXXX To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I request a copy of all information use to open this account. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (TX).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I went to XXXX in a time of need searching for a car. I was sold a XXXX XXXX XXXX XXXX XXXX with a selling price of XXXX which is was over the value but doable. After a year of constant on-time payments I figured it was time for me to refinance, wrong! I was told by numerous banks that they were unable to lower my payments due to the value and age of the vehicle vs. the amount owed on it. I was confused. Somehow I ended up being financed more than needed and owed a total of XXXX after a year which apparently came down from XXXX. I was in a shock. I feel like I was taken advantage of being a young kid in need of a car. I even asked the lender if I was able to trade in my vehicle for something with lower miles due to being affected by hurricane Harvey I am now back and forth between XXXX and XXXX they replied, " If your balance is XXXX or lower. '' I asked was a able to re-negotiate my contract that was a no. I tried every way possible to remedy this situation it is impossible, especially with no help from the lender or dealership. I do not recommend doing business with them, they are not for the customer.

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