milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted Transunion to request they remove all of the hard inquiries to my credit report since I did not request them. They refused. 
Below is the list of hard inquiries. Some of the hard inquires were on my credit report multiple times. 

XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX AND 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 05-07-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I have an FHA insured mortgage serviced by US Bank. I became unemployed in XXXX 2014 and applied for unemployment forbearance. Because I recently found part time employment with XXXX. I am currently working approximately XXXX hours per week but anticipate getting full time hours in the near future. US Bank denied my request for forbearance stating that I am not eligible because I am employed. I therefore am in a kind of catch XXXX situation. The fact that I gained part time employment with a reasonable expectation of becoming full time is in fact penalizing me. If I was still unemployed I apparently would be eligible for up to 12 months of unemployment forbearance! This is completely absurd! It is often the case employers hire part time to full time rather than immediately full time. I am therefore asking for forbearance until I do get to full time status- with in the next 6 months. I am asking for human intervention that can see this " canned '' response just makes no sense!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (ME).
Issue: Loan servicing, payments, escrow account

Complaint: DITECH ... these people call day and night after the first day a payment is late. I paid over the phone after very aggressive phone calls from DITECH. They said they would waive the fee and when I saw my bank account they charged a fee. 
They also sent me a letter adding {$2000.00} to my mortagage that they obtained from GREEN TREE. They said it was audited and they found a mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: we send a payoff for my car but the XXXX company send it to another adress so i speak with the company about it and tell me i need to send a nwe one and cancel the other so i did but this payment was late and they put me late payment in the accunt, i speak before and they tell me that they understand and that they are not going to do it today the account is closed but i have this negative in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been in contact with XXXX as well as XXXX, Equifax and XXXX. Equifax has removed some of the accounts but there are still 5 posted on my credit report. XXXX and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XX/XX/2017 to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: American Express sent an email to apply for the Delta sky Miles credit card after spending {$2000.00} I would receive XXXX Delta Sky miles and a {$50.00} statement credit. I completed the minimum spend in XXXX and have not received the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Mortgage (Other mortgage) with Civic Financial Services, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a mortgage loan with Civic at the end of XXXX. I received a pre-approval defining the terms of the loan. However, Civic did not disclose to me that if the loan is past due, the interest rate will increase to 18 %. In XXXX XXXX, due to financial hardship, I failed to make the monthly payment on time. As a result, the interest rate increases to 18 %. I tried contacting them to see if they are willing to reduce the interest to what it was at the inception of the loan ; however, they refused to.

Company response to consumer: Untimely response
Consumer complaint received 03/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Our family 's information was breached through XXXX. I can not get information for my children 's credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for a loan modification in 2014. I made my trial payments, then suddenly Ocwen started returning my payments. When I asked why they replied my funds were n't certified or something to that effect. I contacted them again about my payments being returned and they said my loan modification was still being processed ( mind you I 've been approved and made my trial payments ). I recieve a letter stating my modification was disapproved ( mind you I 've already been approved last year ) I contact them again, I revieve a letter saying there is " an issue with my mortage title that will not allow me into the program. I contact them to inquire what the issue is with my title so I can straighten it out, I then recieve a letter saying my appeal is being reviewed. 
I never appealed an application which was approved. How could I have been approved last year with an issue with my mortgage title? How can I be disapproved for a program I 've been approved for and have not missed making a timely payment since then? 
Basically all I want to do is be on track with my payments, Ocwen accept my payments and move on with my life with the security of as long as I do my part I will continue to have the same roof over my head.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Creditor PayPal, Inc repeatedly attempting to collect a debt after Bankruptcy discharge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: checked my credit report and noticed a debt collection from XXXX by Bureau Name CONVERGENT I contacted Convergent on X/X/18 and notified them that this was not my debt. The name for the debt collection is XXXX XXXX and I told them that that is not me but they refused to acknlodge that fact regardless of what I said.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Delinquent account

Complaint: I have a Walmart Credit Card through Synchrony Bank. My account became past due in XXXX 2016. I went online and chose their option of Pay your full account balance off in installments. I chose 5 monthly installments. All of my payments were paid on the date allowed during the payment arrangement. However, they have continued to charge late fees every month. At the end of the 5 months, I still have a balance on the account due to the late fees and the interest they have continued to charge me on those late fees. When I called them, they were only willing to waive one fee, stating that I knew when my due date was. 

I just do n't understand why they would accept a payment arrangement from me to pay it off and continue to charge me the late fees.

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 10-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was with XXXX XXXX XXXX, I had a direct phone number to my single point of contact in the CEO 's office, she promised to call me within 1 day or I could call her manager 's direct line for help, My single point of contact called me at least once a week to update any status and inform me of anything that was needed for a modification. 
This all changed with Caliber Home Loans, you receive a general phone number and one one of XXXX " single point of contacts '' answer your call and say they all are your singlepoint of contact. Each of these " single points of contact '' is more clueless than the next and have XXXX knowledge of me, my loan or my current needs or modification situation. 
I do not have any direct line for my Caliber single point of contact and have never received a return call from him. This situation is unacceptable and violates all the rules ofand purpose of having a dedicated single point of contact to work with you who understands your file and situation. I need to be assigned a real single point of contact ththat is compliant, with a direct phone number in the CEO 's office just like I had at XXXX. Please assign me a Single point of contact in the CEOs office of CaliberHome Loans ASAP. The current situation is totally unacceptable and noncompliant. 
Please conform to the rules of proper modification management and compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit card or prepaid card (Store credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: COMPLAINANT COMPLAINS BANK OF AMERICA XXXX BOA XXXX XXXX XXXX XXXX EXPIRES XXXX REFUSES TO DISPUTE XXXX CHARGES FIRST CHARGE TO BE DISPUTED {$95.00}. 
HERE IS CHARGE XXXX/XXXX/XXXX Expand transaction for Transaction date : XXXX UNLIMITED PLA XXXX ON Type Purchases {$95.00} SECOND CHARGE TO BE DISPUTED {$2.00} XXXX/XXXX/XXXX Expand transaction for Transaction date : XXXX TRANSACTION FEE Type Fees {$2.00} SELLER : ONECLASS BASIS OF DISPUTE : SELLER COMMITS FRAUD FRAUD IS PROMISING SPECIFIC COURSE MATERIALS BUT FAILING TO SUPPLY SAID SPECIFIC COURSE MATERIALS. 

COMPLAINANT WANTS {$95.00} AND {$2.00}

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 monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On the XXXX of XXXX, XXXX I was notified that my personal information to include my social security number, address, DL number etc. has been compromised and is now public information by the incident with equifax. 

I believe this is improper use of my report and was without my consent. Equifax used my private information improperly and put my identity at risk to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Loan modification,collection,foreclosure

Complaint: Has charged me XXXX in legal fees on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: 1. I disputed a bill for {$4900.00} in XXXX, and the merchant provided Amex with a fake sales invoice, falsely claiming I signed the sales receipt and picked up the merchandise from the store. I never went to the store, never signed any sales receipt.

2. Amex is asking me to pay the bill, while a collection company is also seeking to collect the same payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 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: Their investigation did not fix an error on your report

Complaint: I have been disputing inquiries with all  XXXX  bureaus since  XXXX   2017 . My initial dispute for VALIDATION was online and the results came back as " verified ''. When I called in    XXXX   XXXX    2017   to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute    XXXX   XXXX  2017     in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified . It has now been 60plus days  an d 3  disputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS,  ONE MINU TE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely speak English and I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard  INQUIRES, it i s prevented me from obtaining a mortgage.

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 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a credit card with CITI/AA Advantage Platinum Select Card where l had a balance of {$1000.00} last month. 

In XXXX billing statement I paid this balance in FULL - in the amount of {$1000.00}, and it appears on my XXXX billing statement. 

However, despite my FULL balance was paid on time, CITI charged me {$16.00} in " interest '' on some mysterious " balance '' of {$920.00}. 

I consider CITI Card practices as deception and unjust enrichment at my detriment and respectfully request for stop such unlawful interest charges.

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 02/15/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX I took a 30 year interest only loan for {$690000.00} in XXXX, CA. We also took out a XXXX loan with an interest only adjustable HELOC ( purchase money loan ) for {$130000.00}. Both loans were with XXXX. 

The housing market crashed and around XXXX we were having trouble with our mortgage and HELOC. We completely stopped paying for our HELOC way back then. 
Our house was completely underwater. 

Both loans were with XXXX and we received a terrible loan modification that raised our payment and we went back into default. XXXX sold both loans to XXXX XXXX XXXX. Again, applied for loan modifications for over 2 plus years. Again, received another one that raised our payment. These modifications were not set up to help. Still we were not paying our XXXX. XXXX XXXX XXXX sold our HELOC loan to XXXX XXXX XXXX. Still no balance info and no payment made since XXXX. After many failed attempts I filed chapter XXXX BK in XXXX. 

Filed a complaint with CFPB about the predatory lending we had been through. Received and successfully completed a sustainable payment with a loan modification. We have been paying our 1st mortgage for over 3 years. It seems XXXX XXXX XXXX sold our loan to SLS Lending. They were part of the predatory lenders and I just received a letter from them about nothing I can understand. The letter was not dated, with no account info. I have not responded to them via phone, email or letter. I have filed a complaint with you as the validity of this debt they may or may not claim I owe. 

In addition, XXXX XXXX XXXX and XXXX both faced law suits and were ordered to forgive XXXX XXXX dollars in HELOC loans. We were never notified of this at the time and we believe this loan would fall under this category. We are current on our first loan and it is our primary residence. We can not afford to pay a new loan. Our 1st was modified based on hardship and we can not afford to move. I believe this HELOC loan should have been forgiven at the time of our loan modification as we were underwater. This week I filed XXXX complaints. XXXX for the HELOC to be forgiven based on a major settlement. And the second against SLS Lending for trying to validate or collect this debt that may or may not exist.

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 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a balance with a 0 % balance transfer rate that Chase Bank keeps applying my payments over the minimum to before it applies them to my higher interest rate balance. I submitted an inquiry several months ago and went back and forth over many messages. They claimed this was n't happening, but it 's clear that it is happening from the progression of balances on my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (OR).
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 received a faulty telephone device from the company and when I tried to return the device I was informed I needed to return it to the manufacture and that I would be without a phone during this time I at the time could not be without a phone. I then went to another provider and received service I do n't feel that I should be responsible for payment on a defective device

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I discovered that I have credit reporting of over due accounts with a company that I never took a student loan from. In addition, I am XXXX and taking out federal student loans and private loans for college. 

The company failed to contact me. The company filed to check out the national database to see that I am registered XXXX. 

I have tried to call them but there was no answer

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Late fee

Complaint: Hi, I am filing an erroneous credit card payment delay to Macy 's. 
I signed up for Macy 's credit card in the store and made purchases ; however, I never received either the bill or my original card, until Macy 's called. I immediately made payments over the phone. 
Today, I found out that my credit dropped by XXXX points because of a late payment. There is no way I could have avoided the delayed payment because I never received the bill. I called and spoke with Macy 's customer services, and they agreed with the situation. However, I have a problem connecting Macy 's with the Credit Beauer. I want to be a happy Macy 's customer again, and please assist. 

My information ( no credit card info because I never received the card ) : Name : XXXX XXXX Last XXXX Digit of Social : XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX XXXX . XXXX XXXX, IL 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 monetary relief