milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2015 about Consumer Loan (Vehicle lease) with U.S. BANCORP (MI).
Issue: Taking out the loan or lease

Complaint: ... XX/XX/XXXX, we leased a XXXX " XXXX '' through XXXX dealer " XXXX of XXXX XXXX '' and put down over {$9000.00}. We were given XXXX miles in the agreement. We returned the vehicle to XXXX dealer " XXXX XXXX '' in XXXX ( Now XXXX XXXX ) XX/XX/XXXX. The vehicle was inspected by the dealership and found to be unblemished and in very good condition. At the time, we were under the mileage limit by nearly XXXX miles and fully ( 2 ) two months ahead of the expiration date on the agreement! 
Without any hesitation, U.S. Bank, the leaseholder used by XXXX XXXX, refused to refund to us any of the $ XXXX dollars represented by the unused miles ( they charge XXXX for each mile OVER the agreed limit ... what about " undermileage? " ) .... and further, demanded the two months payments ( {$510.00} ), even though we had already returned the vehicle to them and were not able to use it. 
Further, they sent us a letter demanding an additional {$1000.00} ) for alleged " wear and tear '' their own personal inspector claims was found on the car. 
We were surprised and saddened by U.S. Bank 's egregious and impersonal handling of their contract with us. There is never any excuse for such an " iron-clad '' enforcement policy of ANY personal agreement such as this! Their behaviour represents nearly {$3000.00} of costs levied against us, for which we received absolutely NOTHING in return. We are now told that U.S. Bank is no longer being used as a vendor of leases by XXXX XXXX. thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting a bankruptcy write off in XX/XX/XXXX. The bankruptcy was filed in XX/XX/XXXX, discharged in XX/XX/XXXX and paid in full in XX/XX/XXXX. XXXX sold the mortgage in XX/XX/XXXX and was not even a party in the discharge. XX/XX/XXXX is almost 5 years past the filing, over 4 years after the discharge, over 4 years since they sold/transferred the loan, and over 6 months since the loan was paid in full to the Company they sold/transferred the loan. Impossible to have ANY activity in XX/XX/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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: In XXXX 2017 my score was XXXX ( see attached ) my score is now XXXX and I have no late payments. There were some unnessary hard enquiries on my credit file without my knowledge. There may have been as many as three ( 3 ) by XXXX XXXX. I see no reason why my score is this low.

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 11/14/2017 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: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I sent a certified mailing letter ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting the procedures for verifying an account with XXXX XXXX XXXX XXXX on my report. I had previously sent a validation letter to XXXX XXXX and they had been unable to show proof that the debt belongs to me. As a result, I wanted to know how Experian was able to verify the debt and I could n't. 

Experian has never responded to me. It has been beyond 45 days from the date they 've received the letter, delivered XX/XX/XXXX. 

This is a clear violation of the Fair Credit Reporting Act and Experian should be held accountable for non-compliance.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is not my XXXX XXXX XXXX card, I have been experiencing issues with my dad 's debts being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.

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 03/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a loan from INDYMAC BANK, and have been paying on time since then. In XXXX, Ocwen Loan Services , LLC took over as my loan service ( r ). I was XXXX around this time, and once Ocwen took over, they 've been sending letters stating if I dont provide payment or payment receipt they will foreclose. I send them supporting documents, then they send me another letter stating that some other payments are " missing ''. I fax them those thinking ill be done and everything will be fine. Its been 4 years, I send them proof of payment, they come up with other random days they want proof of payment for. Fast Forward to today, OCWEN stopped accepting my mortgage payment as of XXXX XXXX stating that they cant accept partial payment when I " owe '' for months that I have proof of payment, and if i dont come up with those payments they will foreclose on my home. I am FIGHTING XXXX and FIGHTING OCWEN, im old, im tired, im ILL. Every time I send them three or four payment receipts, they send me a letter stating they received the proof of payments however there are more that are missing. We 've been doing this since XXXX, and its gotten more and more frequent the past year, im speaking to them every 3 weeks now trying to resolve this matter, but every time they get my proof of payments, they come up with other random days they need. As of right now, OCWEN is asking for payment receipts from XXXX, mind you, OCWEN came in the picture in XXXX. They keep playing these games with me and are threatening to Foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (CT).
Issue: Closing on a mortgage

Complaint: I am an at torney and represent daughter of mortgagor who conveyed to her, subject to mortgage to Quicken Loan o f approx  XXXX  on house worth  XXXX  ( interest per month is approx.  XXXX  ), couple months before he dies. Daughter had moved in about year before to take care of him. No estate ever opened ; sister has will etc. wo n't speak to my client, and my client tried to talk to quicken they said ca n't talk to her, VA loan not assumable anyway?? meanwhile they serve h er w forc  papers in another state, nearly goes to public auction, I get it dismissed but quicken and/or their attys say ca n't talk to her, she ca n't get pay-off, she is not on the loan. I learn client does qualify as successor in interest and attys and quicken still saying she no right to info. I asked in writing for pay-off and forced placed insurance costs starting in  XXXX  Just received pay-off this week, has all the costs added on We are having trouble paying off all their charges, and rfealize i f Quicken had reaced out to her re successor in interest status, she had mnoney to pay and would not be looking at losing her house, but would have made the payments, or at least would not have lost so much in time, attys fe es, their fees, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Payday loan) with Western-Shamrock Corporation (OK).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: My employer received a fax from Western Shamrock manager, XXXX, located ad XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OK, asking for employment verification and garnishment information. I have not been served with any documents or information concerning a garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called the company and they said they have no records of me applying so they dont know why the inquiry was on my report. I had receive a note from them and it had an account number and I never applied with them and thats what the agent told me. The inquiry is from XX/XX/2016 I have  called these companies all of them I have attached a copy of the inaccurate ones thats on my file I have put a block on credit report because I have lost social Card and when I receive letter of items I apply for I call them

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Today XX/XX/2018 I just received an e-mail alert from XXXX XXXX and XXXX XXXX stating that an credit inquiry has just been made on my report, these inquiries definately are unauthorized

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 02/27/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am a victim of identity theft. There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. 
But Credit Bureaus have failed to give me investigation result

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have no contract with this 3rd party debt collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: In XX/XX/XXXX I signed up for a CitiGold checking account. The terms of the offer under which I signed up indicated that XXXX XXXX XXXX frequent flier miles would be given after meeting the specified criteria. On XXXX XXXX I obtained written confirmation from a Citi representative that the offer was attached to my account. On XXXX XXXX I obtained written confirmation that I had met all critieria and the bonus miles would be added to my account by XXXX XXXX. On XXXX XXXX after not receiving the miles, Citi is trying to go back on their word and is not planning to issue these miles. I have attempted to escalate the issue to a manager at Citi with no success.

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 12-09-2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: Went to check on a vehicle asked them to run out credit with only XXXX companies and they did it with XXXX. I did not authorize them to do that! And so there are tons of marks on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Advertising and marketing

Complaint: When I applied for this card XX/XX/2016, it 's headline feature was an offer of XXXX Frequent flyer miles on it 's affiliate, XXXX.The feature was listed in the magazine ad that induced me to apply for the card. This specific feature, {$1000.00} of spending in the first three months after card issuance would generate XXXX FF miles, was then and is now advertised in the seatback pocket of every XXXX XXXX seat of every XXXX XXXX flight. It also was and is the first listed feature on the card website, theexplorercard.com. I set about meeting the minimum spending requirement of {$1000.00} in the first three months ( {$1300.00} total on my first XXXX statements starting immediately when I received the card ). I waited a month expecting the additional XXXX frequent flyer miles to appear in my XXXX XXXX Mileage Plus. When the miles did not appear, I contacted Chase ( the card issuer ) and inquired. I was told that my account was signed up for a different offer ( XXXX FF miles for {$2000.00} of spending in the first three months ). This was not the offer I had seen in any advertising. I had asked about the XXXX mile offer when I applied for the card on the phone indicating that those were the terms of the offer I was seeing. 
As a result, even though I met the conditions of spending {$1000.00} in the first three months, I will receive no frequent flyer miles for that feature. This appears to me to be a bait and switch offer since I never saw any advertising depicting the altered terms. I let them know what offer I was seeing when I applied and the predominiant advertising still touts those terms. When I appealed, my appeal was rejected. Although, this is a annual fee card ( {$95.00} ), and I spent the required dollars ( and could have spent the {$2000.00} spending requirement if I had been properly informed ). I have no frequent flyer miles to show for my actions due entirely to bad faith on the part of Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Debt collection (Other debt) with Butler and Associates, PA (KS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: The company ( who has already secured a legal judgement & garnishment order against me ) has attached this debt to my driver 's license. They say that if I do not make payments of at least $ 100/mo, my driver 's license will be ( and has, twice ) suspended. They no longer are allowing missed payments or paused payments due to financial hardship. This is causing a major stress in my life.
Also ... my veteran status is due to service in USPS, which was n't listed in the dropdown menu ( not the XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is the third action I have pursued regarding Equifax reporting of Hard inquiries. After XXXX complaints to them, they reported on XXXX XXXX 2016 that XXXX is reporting no inquiries, see attached, but NO corrective action was taken on their part to remove this bogus entry from my report. What 's more, they claim that they can report my credit status ( hard inquiry ) under virtually any conditions. " If you apply to have certain services, such as utilities ( gas, electricity, water, etc. ) phone service, XXXX, your application, whether verbal or in writing, generally allows the company to make credit inquiry ; and '' So if someone claiming to be me for some anonymous company requests my credit information they can get it!!! This is unacceptable, with today 's public records all you need is a name a birthdate to obtain all info including but not limited to my SS #. 

THERE MUST BE LAWS WHICH REQUIRE CONFIRMABLE CONSENT for such information. 

I have no idea who XXXX is nor do they have a record of an inquiry, however, my credit record is damaged and obviously, Equifax has no intention of correcting the records without written proof from me or XXXX saying remove the entry. 

This is an example of how difficult, no virtually impossible it is to have erroneous entries removed from a consumer credit record. As indicated in the attached document XXXX they accept no responsibility for correcting their error. 


I DEMAND THAT THIS AND OTHER ENTRIES WHICH I DO NOT ACKNOWLEDGE BE REMOVED FROM MY REPORT!!! 

What 's more, I will pursue congressional action to place strict access limitations on this information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern XX/XX/XXXX Dear Sir/Ma'am, I have been trying with no success in endeavoring to obtain a loan modification since XX/XX/XXXX. I am in the XXXX ( I am a XXXX ) and thus, am very knowledgeable on what a successful loan modification submission should entail. That said I have now definitively learned that no matter what my financial where wherewithal is ( and it is very, very solid currently- I can easily make my full payments even if no modification is offered ) I now learn that OCWEN , through their investor, XXXX XXXX `` does not have the contractual authority to modify ( my ) loan because of limitations in our servicing agreement. '' It is worth noting that such disclosure relative to XXXX XXXX 's lack of loan modification participation was not disclosed to me prior my purchase XX/XX/XXXX, a clear RESPA violation XXXX nor was this non-participation disclosed to me during the over XXXX loan modification submissions I have submitted since XX/XX/XXXX. It is also worth noting that XXXX XXXX has retained this loan since the time of inception- it was not sold to any other third party nor has it been serviced by any other lender than XXXX XXXX XXXX XXXX . In addition I 've tried everything to get this mortgage company to help me keep my home. which they informed me they are retaining, and also that they are moving forward with the foreclosure sale. 
They humiliated me and compelled me to reveal all of my financial dealings, knowing full well that at the end of the day, what I was seeking was impossible. So they take my money, they take the Obama money, and bulldoze my rights. If it was impossible for me to EVER obtain a loan modification, why act like it was feasible. It is and was cruel on their part, time consuming, and conduct one would not tolerate from a XXXX year old, much less a fortune XXXX firm. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: Why the title insurance company charges exactly the same fees for a refinanced loan, with the same lender, the same borrower, and for the same property. It is a ripoff and is approximately XXXX of the total cost of refinancing a loan with the existing lender. The title company should prorate their charges for additional new loan amount. For example, from an existing XXXX loan to say a XXXX loan - on XXXX only. For example, if a {$1200.00} fee was charged for the original loan amount of XXXX to the same borrower, the new title fee should be charged on the balance amount of XXXX, and not on the full loan amount of XXXX. This new title policy should be an amendment to the original title policy, for a reduced fee of only {$250.00} instead of the full fee of {$1200.00} again. 
The CFPB should immediately order the new rule on all home refinancing if there is no change of lender, borrower or property, except the loan amount. I assure you my proposal will save XXXX dollars to the homeowners who are refinancing their existing loans. The title insurance companies are cheating millions of homeowners by issuing revised policies that are for the 30-year life of the loan. The new policy fee should be based on XXXX factors ; 1. say the original 30 year policy on the loan is currently valid only the remaining 25 years, so the new policy rate will be based by for 5 years and not the entire period of 30 years. 
2. XXXX, in case of cash out, the fee should be charged for only the amount of cash out, and not based on the full amount of the loan. 
Thanking you in advance for your kind consideration. 
My name is XXXX XXXX Telephone XXXX. I have lived in my house at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX for the past 28 years. I had to refinance my loan several times during the past 28 years to take advantage of the interest rates, and pull out some equity. I am a XXXX years old senior citizen, and equity in my home is more than XXXX the loan amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On  XXXX / XXXX /  XXXX   I went to Bank of America, located on  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  in order to obtain a signature guarantee to transfer funds from my  XXXX  IRA account to my ex-wife 's  XXXX  IRA account, in accordance with the " Consent Final Judgment of Dissolution of Marriage. I was referred to a Merrill Lynch associate -  XXXX   XXXX . The service was denied to me in spite of the fact that I had all documents they need it to perform it and they were available to him. I was asked if I have an account with Merrill Lynch. My answer was " No '' moment when I was told he can not perform the request and I was asked to try other Financial Institutions ( which I did  ).  I wandered what the would 've been if i had an account with Merrill Lynch which is part of BOA. Fortunately, my ex-wife has an account with  XXXX   XXXX   XXXX  and based on the documents I had they performed that "  Signature Guarantee '' in less than 15 minutes. Under these specific circumstance I want to complain about the way Merrill Lynch, part of Bank of America tries to force consumer to buy their products. I think was unfair and discriminatory the way my matter was handled by BOA and I will do  everything in my power to correct this way of doing 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 01/28/2017 about Credit reporting () with Williams & Fudge, Inc (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have no knowledge of william and fudge debt and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me

Company response to consumer: Closed with explanation