milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX my loan was closed. The loan was closed for less than the full amount ( bank approved short sale ). Several months ago I applied for a construction loan to build a new home. The bank I was working with ran my credit and discovered incorrect information that was reported by the mortgage company of the closed account. The company reported the loan as a foreclosure or repossession in the max delinquency area of the credit report ( reported incorrectly to all XXXX credit agencies ). As a result of this mistake the bank I was working with would not further process my construction loan. On XXXX/XXXX/XXXX I faxed the mortgage company ( Ditech ) a letter stating the above information, and requested that they fix the information. A few days later I received a letter from them saying that they received my fax and that I would hear a response from them within thirty days. I never received a written response as to a resolution. On XXXX/XXXX/XXXX, I called Ditech and spoke to a representative and they told me they had until XXXX/XXXX/XXXX to correct the issue. On XXXX/XXXX/XXXX, I called Ditech again and spoke to XXXX different representatives. One said I should expect to wait another month for a resolution, and the other said I should have something back within three to four days. I never heard anything from Ditech. On XXXX/XXXX/XXXX, I received an almost identical letter saying they were still investigating the matter. On XXXX/XXXX/XXXX, I called Ditech again and asked to speak with a supervisor. I spoke with XXXX ( ext. XXXX ) she said she would reach out to the department who handles this type of matter and call me back. I have never heard anything back from Ditech. My bank has since provided me with an exception and approved my construction loan, but said I needed to fix my credit report before I would be able to refinance my construction loan into a conventional loan at the conclusion of construction. Ditech has been absolutely unreasonable in fixing this issue. They are in violation of the fair correct reporting act which specifically says they have thirty days to correct their mistake. They have not. Please assist me in fixing the incorrect information on my credit report that was incorrectly reported by Ditech.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I would like file a complaint with Barclaycard bank last week I made payment to the bank online as I always do however I made 2 payment on the same card so I placed a call to Barclaycard bank to see if I could get one of the two payment transferred but I went Thur XXXX to even make that happen and never did get the payment transfer so XXXX Barclaycard bank went and decreased my credit limited for no reason that is really really poor business im Trying all my heart to pay these XXXX up in full and not use there card again with take my business some place else if I didnt think I would ruin my credit I would pay them up in full and not even do business with them got alert on my credit report today they were very quick to report to the reporting agencies now I ask barclay I dont really give a rats XXXX about the descrease I have paid that card down to XXXX and XXXX bucks and will be payin that up here very very very soon but Barclaycard needs to report that that balance is not correct XXXX XXXX XXXX bank

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 01-06-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit history request- never authorized, company not recognized

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NJ).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: : Writing here just for the record. nothing has been resovled dont even read the letters over the last 3 years nothing resolved and despite being a customer in good standing discover has blocked my ability to call them and ignores all attempts and has at resolution. this is the latest email i sent. I offered XXXX for all accounts by XX/XX/XXXX. I am declaring bankruptcy in foreclosure i provided docket number for conifrmation. no response just credit reporting that i am responding to. This company is notorious for suing and being very very difficult with customers. I need a resolution not just you sending it and them photocopying responses. I will go to court if need be and show a judge my diligent attempts at resolution and what has occured as a result. tired of being ignored, bullied and treated very unfairly DO SOMEHITNG about this company and how it treats its customers. No photocopies of previous responses that did nothing. I will sue i will if ihave to. believe me. i have a record of all the attempts at resolution from letters to complaints to calls to all. nothing. Accept this and let me out. i will declare bankruptcy shortly Hardship Letter for credit Card Account : To whom it may concern Due to my recent financial condition I am writing you this letter to request a settlement of my unpaid debt at 20 percent of the balance due. I am filing bankruptcy shortly. due to foreclosure. chapter XXXX This is the 4th time i have advised you. I can be reached only after XXXX XXXX to discuss.
Over the last 20months my household income has dropped considerably due to ( job loss, medical condition, illness, etc. ), which has made it impossible for me to continue to make my full monthly payments. I asked for signed copies of agreements i never got and other information.
Please note that I am trying to avoid a bankruptcy filing and that I am currently requesting debt settlements with all of my other creditors with whom I need to make similar arrangements and plans.
I am requesting that you seriously review and accept my settlement offer. As soon as you accept it in writing, I will by XX/XX/XXXX mail the payment to your organization. XXXX dollars for all accounts. If not this will get discharged. My foreclosure can be verified on njcourts.gov XXXX XXXX If you have any questions or if you wish to discuss this settlement offer, please do not hesitate to call me and I can be reached at ( XXXX ).
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Click here to Reply, Reply to all, or Forward

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My credit card was skimmed / stolen and there were many fraudulent charges on my card. Barclaycard US identified the charges as fraudulent and removed them from my account. 10 days later the fraudulent charge posted. I called to get it removed, so they credited me. Then they posted the charge again. So I called again. They removed it once again. Then it posted ... again. So I called and they removed it ... for a third time. Then the charge posted once again. I have called 7 times and no one will help me resolve this issue at Barclay and it is incredibly unfair I am being charged for a fraudulent charge. Barclay has acknowledged that I should not be responsible for the charge but they still will not remove it even after they say they will and I have no idea what else I can do at this point which is why I am filing this complaint.

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 06/20/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a written request to Asset Acceptance , LLC dated XXXX XXXX, 2015 they received my written request on XXXX XXXX, 2015. On XXXX XXXX, XXXX I received a letter from them stating they purchased my account, however they REFUSE to validate my account as per my written request and has placed this account on my credit reports. They failed to Validate within a timely manner and they are trying to collect on a zombie debt. Violation of FCRA and FDCA

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: My ontime payment went through an inactive checking account on XX/XX/2017 for my XXXX XXXX that I lease from XXXX XXXX XXXX  due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX   that the payment won't go through due to inactive account status I immediately called XXXX XXXX XXXX on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/2017 payment as late payment which damaged severely my credit score, I blame XXXX XXXX XXXX  for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times XXXX customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at XXXX XXXX XXXX  and they denied it all times!

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 02/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are many items listed that are past the statute of limitations, I have disputed all of them and yet no one is assisting me. These items listed have been re aged which is against the law. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: there is a XXXX XXXX XXXX on the report which i have no clue of, I do n't recall any type of settlement,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: I am writing on behalf of my mother ( I am her medical and financial POA and her daughter ). She XXXX in 2010. Prior to this her FICO was near XXXX. At the time, she had a credit card with Chase Bank. Due to medical expenses, becoming XXXX and moving to be close to family, she had to foreclose on her house. Chase Bank held her second mortgage and credit card. After the house foreclosed, Chase decreased her credit limit from $ XXXX to $ XXXX. This was not an issue, as she rarely used the card. 
My mother has not used the card frequently and always pays off any balance immediately. She has the card for emergency purposes and has not used it in approx. 18 months. 
We recently received a notice from Chase saying that they were closing her Credit Card account. The notice said that the credit acct would be closed in 60 days and that no action we took could keep it open. I immediately called Chase thinking that there must be something we could do considering she has never been past due, over balance or delinquent in any way. 
When I spoke to customer service, I was told that the only thing we could do would be to open a new credit card with them. The representative said that because my mother had not used the card in the last 18 months, they were closing the account all together ( I would like to note that there have been stretches over the last 6 years where my mom has not used the card for periods greater than 18 months with no adverse action taken by Chase ). I was very concerned for multiple reasons and asked where in the Terms of Service/Card Agreement it was noted that the account could be closed for no reason and without giving the customer notice of the action to prevent the closure. The representative told me that this was an " internal policy '' and " not available to consumers ''. I stressed my concern that not notifying customers of this practice was detrimental to them. I asked the rep if she understood that my mother has had the account for over 15 years and that closing it would have an impact on her credit score. She said that she was aware of that and that there was nothing she could do. I also spoke with a Supervisor that said the same thing ... that this was an internal policy and we would have to open a new account. 
I have been trying to repair my mother 's credit score since her XXXX. Closing this account will not only affect her score, but also take away the small safety net that she has. On top of that, Chase is essentially forcing her to seek new credit, which will also have a negative impact on her FICO. 
This practice seems unethical and draws serious concerns. How can a credit card company have an internal policy that is not disclosed to consumers, but can have a negative impact on them with no wrong doing on their part? Any help with this situation would be sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIBANK, N.A. (MD).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I have contacted XXXX XXXX XXXX and citi bank on two different occasion by certified mail both times telling them that the outstanding balances they are showing on XXXX / XXXX / and XXXX can not be my sons because he is XXXX XXXX and has never had a credit card but it fact it was a fraud committed by his mother for which I gave them in the letters that were sent to them and the 3 reporting agencys I just mentioned. I also contacted these parties over 7 years ago by sending a certified letter that I did not want any crtedit authorized in my sons name n social security no. at all. these people have forced me to contact social security and try to change his # so this will not continue. please help me with these issues as I 'm recovering from XXXX for a third time from XXXX XXXX XXXX  and I 'm not sure how long I have to live and I do n't want to leave my son knowing these issues exsis. does the credit card companys know that entering into a contract with a XXXX XXXX person is against federal n state laws. if they would have run the proper back ground checks his name would have popped up because he is in the service coordination state system.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient is my loan servicing company and I submitted an application for a renewal of the IBR plan I was on on XX/XX/XXXX. I received notification on XX/XX/XXXX that Navient received my application. On XX/XX/XXXX I received notification from Navient that they needed a letter for my spouses income. The letter from Navient states if you dont have this income documentation then you can provide a signed statement explaining the income. I provided this documentation as my spouse is a XXXX XXXX XXXX or self employed. That is the last communication I have received from NAVIENT!. I called them today XX/XX/XXXX and I was informed that 1. No one at Navient has looked at my IBR APPLICATION since XX/XX/XXXX, 2. I was told that we no longer qualify for IBR because my wife was making less money then in previous years. UHHH???? And they will not accept the letter I sent in because that is only for self-employed individuals. Form XXXX is a tax form that reports the year-end summary of all non-employee compensation. The XXXX form covers rent, royalties, self-employment and XXXX XXXX income, crop insurance proceeds and several other kinds of miscellaneous income. The explanation for them not sending me anything for over 10weeks about my application was that the documentation come in on different days. WHAT? Navient is the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX open XX/XX/XXXX Amount XXXX account paid in full XX/XX/XXXX For the amount of 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 card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XX/XX/2017, Bluebird American Express wrote me the attached letter stating that I was in violation of Section 22D with no explanation of what that was or gave me an opportunity to dispute. Today, I was told by a representative that it was regarding the disputes I filed or the fact I filed too many. I feel this an unethical company that discourages disputes from the customer. If I wanted to file a dispute over a charge, then it should be my right to find out where my money is going. There was one situation of two where I disputed a charge because the way the charge was named by the vendor was an unknown name which led me to believe that these charges were to be investigated. However, for these charges I emailed Bluebird when I realized and said I remember. Even yet, to suspend or close my account on this basis is nothing less than unethical. I was given no explanation nor was given an opportunity to dispute, which led to the situation I encountered today. I purchased another card, thinking the previous account was closed, and when I attempted to register this card, it wouldn't allow me to register with a {$500.00} balance on it, which I needed to take care of a very serious situation. I called Bluebird customer service and was given the run around, and the wrong information, I was told that I could withdraw from the ATM, which was wrong, and I drove to ATM, only to find out I could not do that without registering the card. I called Bluebird back and they were even more helpful, I talked to someone named XXXX in Account Protection Services and he was unable and unapologetically unable to resolve my situation. This representative also insisted that there were no headquarters or no entity I could file complaint with. I informed him that I was going to record him, he didn't agree and so I really did not record the conversation but he didn't want it recorded because he wasn't being truthful I suspect. Every company have someone they report to or higher than them. I wouldn't have had this problem with my current card if Bluebird had not unethically and unjustly suspended my previous card for no reason or without an explanation without my input or opportunity to dispute. That is evil and disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I contacted Transunion on XXXX/XXXX/16 and requested that all inquiries on my credit report be removed due to their error in deleting them and then placing them back on my report without providing notification to me of such. I was hung up on four different times. Each person that I spoke with had a different justification for why they would not remove it. The XXXX one said that they would n't remove it because I did n't have any inquiries between XX/XX/XXXX and XX/XX/2016 which I explained did n't matter because all my inquiries were removed and that it was a violation of FCRA Section 611 paragraph B ( II ) to place any back on without notifying me. The XXXX person said that their records did n't indicate that I was affected by their error, to which I asked what proof they had of that and never received an answer. By the XXXX person I asked to speak to someone in the Special Handling department in the US and was told they could not transfer me nor allow me to speak with a supervisor. The XXXX person told me that they had provided notification to me about placing the inquiries back on my report. Again, I asked for proof of this and they were unable to provide me with the details of how and when it was sent. The Transunion error affected everyone and now they are refusing to take ownership for their mistake. I respectfully request that all inquiries on my Transunion credit report are removed as they are in violation of FCRA Section 611 paragraph B ( II ).

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