milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Rewards

Complaint: I applied for AMEX platinum credit card a few month ago. This card has sign up bonus, if I spend over XXXX dollars within 3 months after account open, I will get XXXX MR reward points. 

I got bonus points after I spent $ XXXX+ within 3 months, but AMEX just clawed back my points last week, I called them to inquire, they told me because I have return credits, so my spending is below {$3000.00}, I did n't meet spending criteria. That is not true, I did have some return credits, but no matter how much credits I got, my net spending is over {$3000.00}. So I am eligible to qualify for bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Re : BSI Letter Entitled Streamline Solicitation Agreement Withdrawal dated XX/XX/XXXX Loan Number : To Whom It May Concern : c/o XXXX XXXX I am requesting information relating to the above-referenced loan number currently being serviced by your firm BSI Financial Services. On or around XX/XX/XXXX I accepted a permanent loan modification offered by BSI. I executed the documents sent as requested and sent the 1st payment in the amount of {$640.00} Check Number XXXX which was received and cashed by BSI on or around XX/XX/XXXX ( please see attached ). To Date : I have not received a fully executed Loan Modification Agreement signed and dated by a representative from BSI There is no evidence that the alleged Loan Modification was filed within the Real Estate Recorders Offices of XXXX County I have not received a mortgage coupon with the new loan amount listing and verifying the new monthly payments I have not received a payment breakdown from the inception of the new loan to the maturation date However, I have received since executing the loan modification agreement along with my first payment was a mortgage coupon in the amount of {$0.00} stating that the payment is not due until XX/XX/XXXX ( please see attached ) You all have failed to send evidence that the Loan Modification was signed and accepted by your firm yet the first payment check was cashed. You all failed to send new mortgage coupons reflecting the new loan agreement and payment amount. Now, you are withdrawing your original offer because you can not provide accurate accounting or paperwork to reflect the original agreement? Now you are calling the Loan and threatening foreclosure? How and why? XXXX, I need an explanation! 
Because I have been receiving conflicting information relating to the servicing of my mortgage. I am concerned that this error has created an unnecessary and improper delinquency within my loan status. 
Therefore, please view this as a " qualified written request '' pursuant to 12 U.S.C. 2605 ( e ) as well as a request seeking accounting as well as the current status of my loan! I seek verification of the amounts which you claim are due and/or delinquent and the documents supporting these claims. I should not be held responsible for any late fees, interest, or other charges relating to the above referenced confusion. I look forward to your response within 20 days from the date of this letter. Any further communications concerning this debt should be directed to me in writing. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX is falsely reporting to credit reporting agencies regarding my account. Services were provided on X/XX/2016, account has been and is still being paid as agreed. 

XXXX XXXX - XXXX XXXX XXXX XXXX, # XXXX, XXXX, Ga XXXX XXXX Account # 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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: On XX/XX/2018 I found out I was victim of Identity Theft. A fraudulent application had been submitted to XXXX XXXX requesting auto financing in my name. XXXX XXXX sent this application to various lenders they use. It was when I received a letter from a company named XXXX, declining my application, that I was made aware of the Identity Theft. When I spoke to them I found out my application had come from XXXX XXXX. I then called XXXX XXXX, to advise them I had not submitted an application. They said they would follow up with the companies they had passed the application on to and let them know this was fraud. At that time I requested credit reports from XXXX, XXXX and Equifax. I found inquires on all reports from lenders I have never heard of. I have worked with XXXX and have gotten my report corrected. XXXX is currently working on my disputes. But Equifax is telling me they do have the ability to remove inquiries affecting my credit score. Vendors who received an application and contacted Equifax for a credit report have assured me they have contacted Equifax advising them these inquires need to be removed. ( The companies are XXXX and XXXX ) As of this morning, XX/XX/2018, Equifax is saying they have not received any information to support my claim and in the meantime these inquires will remain on my report and affect my credit score. I have an open FTC complaint and a Police Report as well, but Equifax says this doesn't make a difference. I want this corrected and not to continue to show as something derogatory on my report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( CREDIT PLUS XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )

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 02/13/2018 about Mortgage (Conventional home mortgage) with CMG MORTGAGE, INC. (FL).
Issue: Trouble during payment process

Complaint: I was enrolled in the disaster forvearance program due to be unable to pay my morgage. The progam ended on XX/XX/XXXX. During the period of the forvearance, i started the process for a disaster modification loan. I spoke with a representative in XX/XX/XXXX to check the status and she said that i will receive a letter with info about the amount and next steps. The representative told me that she knew for sure that the due date for my first trial payment of the Disaster modification was XX/XX/XXXX and that it will be less than my current morgage payment. I waited until XX/XX/XXXX, and with fear that i will miss the opportunity for the modification, i made a payment of {$820.00}, being that amount a little bit greater than my current mortgage. I received a letter XX/XX/XXXX stating that I was approved for the loan modification, and that the amount to pay was {$810.00}. I call XX/XX/2018 to confirm the payment that i made online and the representative told me that they had distributed the funds towards XXXX payment. I told the representative that the intent of the payment was for my first trail payment and explain that since a knew the due date but not the amount, that was the reason it was made for {$820.00} instead of {$810.00}. The representative told me that it was ok and he will submit a request so the fund were redirect to the trail payment. I never heard back from them until XX/XX/XXXX when i received a letter stating that my first payment was not received. I call and talk to a representative, and explain to her that i did in fact my my 1st trail payment and was ready to do my 2nd one. She said that they can't accept my 2nd payment because i did not made my first one. She told me that she will submit a request and i should follow up within 25 to 48 hours. I call 48 hours later and explained my situation to the representative, then was transferred, then transferred again until a representative told me that she had spoke with her supervisor and that they will make a request and accept my 2nd trail payment. Received a letter XX/XX/XXXX confirming the payment posted XX/XX/XXXX. XX/XX/XXXX received a call stating that i have not made my 2nd payment. I explained the situation and i was told that the payment iform XX/XX/XXXX was posted as my first  one. I told them this is my 2nd payment. That the first XXXX was for {$820.00} onXX/XX/XXXX, the 2nd one on XX/XX/XXXX and my third i have not done it because is due XX/XX/XXXX. They said that the only thing to do is submit a request for the payment in XX/XX/XXXX. This is been an outgoing problem and every representative is telling me that they will fix it they will fix it that everything is okay when in reality I receiving letters and calls saying that I'm not making my payments. This is not letting me focus in my work and keeps me strees at my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 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: The following federal student loan or tech grant was discharge XXXX/XXXX/11 any collection regarding this matter is not valet or true especially after this date XXXX/XXXX/11. I have attach letter from the XXXX validating this information. Please remove any collection regarding this allegation of the student loan. If the student loan was paid and dismiss in 2011, any allegation of payment history after this date is a lied and Unreal. The entire student loan was paid in 2011. 

Forbearance Financial hardship, Illness was applied during the time XXXX was processing my application with forbearance, I was able to stop making payments or reduce my monthly payment for up to 12 months. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Consumer Loan (Vehicle loan) with MAS Financial Services, Inc. (CA).
Issue: Managing the loan or lease

Complaint: I purchase a vehicle on XXXX 2012 financing with MAS FInancial services this business needs to be review, every month since my first payment I been having issues with this company they work a theory, usually I was sending my monthly payments by check but every mont they will call me stating that my payment was n't received when my check had been mailed weeks prior to my payment I got feed up and starting to pay by money gram no matter how, they want to accuse you of making late payments to try to collect more and more money from suppose late payments I 'm going crazy they call me and harass me at work with tex and messages I really do n't know what to do any more, no matter how early I mail my payment I still get at least XXXX calls per day stating my payment is late. I 've complain several times to the company it looks like everyone is very unprofessional and disrespectful as if they do n't know what there doing, I do n't know how to report this and afraid of having a breakdown this is causing me XXXX on daily basis I really wish for a review of this company, I 'm not the only one with issues with this company, once you log on to their web page mostly unhappy customers and people frustrated over the same issue. I think company 's like MAS Financial should n't be operating and be under review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I bought a house in XXXX, refinanced at {$320000.00} with Cardinal Financial in XXXX. Assessed value was {$340000.00}. Made improvements to the house that resulted in a higher value. Cardinal Financial sent out an appraiser on my cost. The appraisal came back at {$400000.00}. Cardinal Financial has in their eligibility criteria a minimum seasoning requirement that is waived if improvements are made resulting in a higher appraisal value. They are now refusing to waive the seasoning with the excuse " How do we know the improvements resulted in the higher appraisal? ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
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: On XXXX XXXX, 2017 I received a reply from Equifax regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. Equifax says the information is verified as accurate. But I 've circled an inaccurate inconsistency that shows a different address than the address on the tradeline. 

The Fair Credit Reporting Act ( FCRA ) states that ONLY 100 % accurate, 100 % complete and 100 %  verifiable information can be reported. 

However, they have continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. And this is a very important right that they have blatantly violated EVERY TIME that I 've disputed this information, because they never make that notation & also continue scoring this inaccurate information against me while it 's being investigated ( which is a laughable fraud in and of itself ). Equifax thumbs its nose at federal laws! 

Additionally, Equifax has NEVER verified the public records information DIRECTLY with the US Bankruptcy Court. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court. 

I have also attached a letter from the US Bankruptcy Clerk that states that THEY THINK that credit agencies get their information from a 3rd party service such as XXXX or other agencies like XXXX. 

This is not reliable, and is prone to errors. 

Equifax has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Equifax. 

I am demanding that Equifax be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the US Bankruptcy Court or XXXX County Court ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 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: Accounts were added to my credit file that does not belong to me. Accounts are listed below : 1. XXXX XXXX XXXX {$10000.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$1800.00} 4.  XXXX XXXX {$1400.00}

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 12/29/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (IL).
Issue: Struggling to pay your loan

Complaint: Got the loan back in XXXX of last year not realizing there was a military lending act that prevents that and I am currently out of the XXXX now and interest has built up to the point where they threatened repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I ca n't get my credit report on this site. 
I also noticed on a other site on authorized user account I 'm being held responsible for the debt which is not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: put a lien on my house. after I paid them off, they did n't remove the lien or judgement. I am now trying to sell that house, and ca n't cause of the lien. they are refusing to remove the lien and wo n't talk to me, but insist I get a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: chexsystem continues to report a fraud account from XXXX XXXX # XXXX with prev fraud balance {$870.00} and {$330.00} when this fraud was reported to creditor XXXX XXXX and they agreed it did not belong to me do to there neglect on having no video or proof of debit withdraw transaction for the amount listed.

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 03-09-2016 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter a week ago from a debt collecting company ( Dynamic Recovery Solutions ) declaring a debt verification for the amount of {$11000.00} that I have to respond within 30 days from the date of the letter before they decide to make it a valid debt. The date of the letter was made on XXXX XXXX, XXXX ( 30 days makes it by XXXX XXXX, XXXX ) and it stipulated that the date of the account of the debt was from XXXX XXXX, XXXX. Before and after receiving this letter, I did not receive any calls nor any other letter from this company or companies regarding this matter. I called office number that they provided in the letter and requested to speak with a representative that speaks XXXX because my English is not that great. When I was transferred, the call gets immediately sent to voicemail and it also said that it was full so I am unable to leave a message. I had my son try to speak with them in English but they wanted me to speak with them directly which causes a problem because I have trouble understanding. They did not leave enough time for me to defend or to make a claim. I know this debt is false because recently, I had a credit report done on XXXX XXXX, XXXX and while looking through my past information, I have no information from this company nor from any debt collecting agency that is tied to the account from which they are trying to collect from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2018 about Mortgage (Conventional home mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (MS).
Issue: Struggling to pay mortgage

Complaint: I been in this mobile home for over 17years that cost {$20000.00} in 2000.i have paid {$80000.00} to date. Vanderbilt mortgage says I still owe a 111 payments of XXXX. I am on a fixed imcome dew to my health and I am struggling to make payments. I feel that I have paid more than enough for this mobile home. I feel i have been taken advantage of. I wasn't aware of the interest i would be paying.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: my accounts XXXX account number XXXX date opened XX/XX/XXXX and capital one account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.

Company response to consumer: Closed with explanation