milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Other

Complaint: I was trying to place an order on Amazon and was having problems with the Internet ; I was trying to submit my order and accidently pushed apply button. The Chase Bank Card has put an Inquiry on my credit report and I want this to be removed because I did not apply for any credit. I was just trying to push the Add to Cart button and since there was problems with the Internet, I accidently pushed Apply. Please help get this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NM).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have XXXX hard inquires on my credit report from the same company that I dont recognize. Theyre from XXXX and theyre hurting my credit score. Its unfortunate that these are on my report. I dont recall making those inquires.

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX XXXX ( Collection Agency ) has been reporting to the credit bureaus and they are not licensed or bonded in the state of Texas.

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 12/15/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I had a Macy 's ( Department Store ) credit card for several years. I had setup autopay on the due date and it seemed to work perfectly well. My last purchase was around XX/XX/XXXX. For some reason, possibly due to technical issues in the website or possible them changing the service provider, I got billed late charges of {$39.00} every month from XX/XX/XXXX to XX/XX/XXXX. I spoke to their customer service in XX/XX/XXXX and they said they will provide me credit of the late charges from XX/XX/XXXX. However, I received only 5 month of credit of late charges. I require a total of the XXXX or XXXX months of credit of late 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 11/19/2017 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: Public record information inaccurate

Complaint: Erroneous information ( liens and bankruptcy ) being reported on all 3 of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: An account with XXXX Was disputed and XXXX XXXX the account reappeared on my credit report after the dispute, investigation and deletion. Please see the attached documentation with verification of the deleted account XXXX XXXX, XXXX as well as a new credit report for XXXX XXXX, XXXX and the same is account is there. 

thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$510.00} ), XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

the inquiries are XXXX XXXX XXXX ( on the dates XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, and XXXX/XXXX ( XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent Santander a formal notice to cease a unauthorized hard inquiries into my credit report and, a formal demand that they immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have a illegal inquiries removed. I also made the aware that I did not sign any documents authorizing their organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
However, I ask them to forward documents that they believe authorizes Santander to make inquires into my credit report, I respectfully request a copy of this documents be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests within 15 business days. Also I will forward a copy of this letter to the Creditor Bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I contacted Transunion and informed them that they were improperly reporting student loans that do not belong to me from XXXX/XXXX on my credit report on XX/XX/XXXX, via U.S. Certified mail. I was notified from the U.S. postal service that Transunion received my letter requesting to remove the incorrect accounts from XXXX/XXXX on XX/XX/XXXX. I requested to have these accounts deleted from my credit history as well as having Transunion send me an updated version of my credit report reflecting correct deletion of any accounts associated with XXXX. Transunion never responded to my request to have the accounts removed from my credit report. 
I contacted Transunion via telephone on XX/XX/XXXX, and attained a recorded phone conversation with a representative of Transunion, XXXX XXXX, who confirmed that Transunion does not have documentation from XXXX/USDEPTED with my signature for any student loans and that Transunion is still refusing to comply with F.C.R.A. regulations by reporting false information on my credit report and refusing to remove it from my 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 11-10-2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: After obtaining a home mortgage from Fifth Third Bank in XXXX XXXX, and closing with extreme difficulties and delays on XX/XX/XXXX, we had filed our complaint with your department. They responded on XX/XX/XXXX, after two months, with a letter justifying their delays & errors. They included a gift card for all of our troubles. Now, here we are almost a year later, with our money in escrow, we are hopeful that our homeowner 's insurance and property taxes will be paid by Fifth Third. We received our homeowner 's renewal dated XX/XX/XXXX, indicating that Fifth Third as a mortgagee, along with their address in XXXX and our loan number. What could go wrong? Well.. .yesterday, XX/XX/XXXX, we received a reminder from our insurance company that no premiom has been received for the XX/XX/XXXX renewal. I contacted the insurance company by telephone & they confirmed thar the annual premium is yet unpaid. I went to a local Fifth Third branch office on XXXX XXXX. in XXXX XXXX, who made a phone call to a mortgage department in either XXXX or XXXX. They would not talk to the personal banker to verify if the escrow dept. had the correct information regarding our insurance company. The banker gave me an XXXX number to call. I called this number, it was n't the correct department, so I was transferred to another person, still not the correct area, so I was transferred a third time, was cut off, started the process again. After talking to XXXX different people, finally spoke to a XXXX, who works for a firm hired by Fifth Third to pay homeowner premiums ( not a Fifth Third employee, but by far the most helpful ). She looked up our account and said due to Fifth Third recently hiring their firm on XX/XX/XXXX, oor renewal declarations and invoice were NOT sent to their company. Could I contact my insurance company or copy my renewal declarations and send to this contract company so they could begin to process a payment that HOPEFULLY would get to the insurance company prior to XX/XX/XXXX?!? I did not create this error, Fifth Third is responsible and once again, I am doing the follow up due to their internal processing errors. The rep ( part of a call center that I can not talk to again ) said she would call our homeowner insurance company to ask them to AGAIN resubmit our declarations and invoice. No guarantee this will happen, so I must domy own followups to both the insurance company and Fufth Third. If I had n't gone tothe Fifth Third branch or called and FINALLY got to the correct person, I would 've assumed that Fifth Third was going to pay our renewal premium. There is no guarantee that this will happen before our policy renews on XX/XX/XXXX. Now I am concerned that our property taxes wo n't be paid on XX/XX/XXXX. I will have to start calling again to insure that they have received the same notice we have received. Is no one accountable at Fifth Third Bank?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified Consultants is reporting a fraudulent account. I'ver never done any business with the debt originator XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. XXXX reported my account as delinquent to Equifax with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on XXXX part to do a proper investigation. My credit was perfect up until this fraud and deception took place!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: A forbearance was process on my Private student loans serviced by Navient Inc for the XXXX 2015 to XXXX 2015 time period. Navient reported my student loans as 90 days past due as of XXXX 2015. I contacted the Executive Offices at Navient to update this reporting error and they refused. I 've attached a copy of the e-mail correspondence from the Navient representative which clearly states that a forbearance was processed on my account and therefore there is no way possible I could be 90 days past due in XXXX 2015. 
According to a recent FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( the identical situation I am currently in ). 
The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' Navient representatives told me that because the delinquent payments were accurately reported in XXXX of 2015 that any subsequently initiated deferments and or forbearances would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Late fee

Complaint: I am writing in regards to Capital One Platinum credit card. I received an offer for a new Platinum credit card in the mail about a year ago. It had a XXXX percent balance transfer offer. I calculated the amount I would need to pay in order for me to pay off the balance completely by the time the introductory rate would begin. I began making $ 500 monthly payments to the Capital One account on a monthly basis. I was told when I opened the card that I was allowed to pay the balance in advance with no penalty. After paying the XXXX monthly payment to Capital One for about 6 months, and never hearing from them via phone, email, or mail, I logged on to my account to see what was left of the balance. To my surprise I was billed a late fee for numerous months. Having made {$500.00} payments for approximately 6 months I should have been paid through the end of the year. After calling Capital One I was informed that they do not allow consumers to make payments in advance. 

How is it legal for Capital One to not allow me to pay in advance. I pay my car loan payment 3 months and I pay all of my other credit cards 1-2 months in advance. I have never had in institution tell me that they do not accept payments in advance and regardless of timing if they do not receive a payment by each months due date, even if that amount has already been paid in advance, that they will bill me a late fee. If they have received the funds and I am paying as agreed how can I be assessed late fees on monies already received by Capital One. How can this be legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (UT).
Issue: Trouble during payment process

Complaint: My loan has reached below XXXX XXXX of the original loan value and I 've been trying too get the pmi removed for months. My first letter was sent months ago and they advised I would need a valuation on the home. I called asking if the pmi would go off my loan automatically and at what point or if I would always need a valuation. They person I spoke with in customer service advised that once the loan was below XXXX XXXX of the original value that it would come off. They sent me a list of ever payment and what that would bring my future balance to. Based off of the information they provided I chose to wait three months for my balance to go below XXXX XXXX of the original value. I called in again and was told that I could get the pmi off, but to send a letter. This letter was sent in early XXXX informing sls that my loan was now below XXXX XXXX. I just received a response to that letter asking to authorize a valuation. Since this contradicted what sls had avised previously I called on XXXX XXXX to discuss. I was advised during that call that all they needed from me was my signature on the letter. I even clarified during that call that they did n't need the valuation form signed. She told me if I faxed it in that day I could call in on XXXX to get an update on the status. I called back in on XXXX  XXXX XXXX and was told by supervisor XXXX that they would notify me in XXXX days and that they were probably just going to send me the valuation form again. I 've been sent in circles and sls is now costing me hundreds of dollars because of there misinformation. 

I would like confirmation on if my request will be honored or if the will be requiring a valuatuon. If a valuation is required I will need this to be at the expense of sls as their company has been providing me miss information causing me to incure hundreds of dollars in pmi that is n't required on my property any longer.

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 10/15/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WA).
Issue: Taking out the loan or lease

Complaint: There is a discrepancy between payments and what is owed. The auto dealership contract does not comply with Lender. 

Payment started at {$13000.00} and it has been a year that I have been paying of XXXX/month. I checked my payoff quote and I received {$13000.00}. 
I am paying off another vehicle which i receive da month before purchasing with santander. The payment started at {$30000.00} and our pay off is XXXX. Our payment is XXXX/month. If I am paying half from the other vehicle, My pay off quote should have been reduced to $ XXXX ; not {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Mortgage (Conventional home mortgage) with CARDINAL FINANCIAL COMPANY (NJ).
Issue: Trouble during payment process

Complaint: I recently had an appraisal ordered by Cardinal Financial Company ( NMLS ID XXXX ) in XXXX of XXXX to remove PMI payments since I had purchased the home with less than a 20 % down payment. The appraiser that Cardinal selected ( XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX, NJ XXXX / State License # XXXX ) had been incorporated in XXXX in XXXX of XXXX meaning the appraiser had only 3 months of experience prior to conducting my appraisal.When I first bought my home Cardinal used a reputable appraisal company with a network of qualified appraisers which appraised my home at {$540000.00}. The new appraisal done this year appraised the home at {$520000.00} which significantly undervalues the home. The appraisal was conducted under incorrect assumptions which the appraiser noted on the appraisal as Subject property has not sold since the borrowers purchased the subject in XX/XX/XXXX'' and also No updates in the prior 15 years. '' There were no other deficiencies listed as the home is in very good condition. When I pointed out that this was false, the appraiser revised the appraisal and took out the incorrect assumptions, but did not adjust the values which were based on these incorrect assumptions. The appraiser used 50-60 year old homes to appraise a home that was built in XX/XX/XXXX. Cardinal Financial Company failed in its responsibility as a mortgage servicer by not selecting a qualified appraiser. I would like Cardinal to pay for an appraisal. The appraiser, XXXX XXXX, XXXX also failed in its duty to do a thorough mortgage appraisal and when mistakes were pointed out, they did not adjust the values. The appraiser spent a total of 5 minutes appraising the home and the report itself was very haphazard. 

This debacle has forced me to continue to pay PMI Insurance at $ XXXX/month even though it's obvious to anyone with familiarity of the local housing market that I have more than 20 % equity in the home. The servicer refuses to allow me to speak to someone from their PMI/Escrow team. Cardinal 's customer service team has stated that they " do not have a number to that team. '' I learned on XX/XX/XXXX that Cardinal is transferring my loan servicing to XXXX XXXX   after I launched my complaints. The loan was already sold to XXXX XXXX and there was no reason offered for switching the servicing of my loan to another servicer. This servicer obviously has no idea that I am currently disputing the appraisal value and my PMI premiums. This is an attempt by Cardinal to get out of paying for a new appraisal and potentially having to pay me back for PMI premiums I should not have paid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My sister was encouraged to take an exorbitant amount of funds out for tuition and room and board, at XXXX University in XXXX, XXXX She graduated with her degree and {$250000.00} in debt for XXXX. She has been employed since graduation making {$30000.00} or less every year. My mother ( her cosigner ) is now burdened by paying over {$2000.00} a month for these loans. She is a nurse and is nearing retirement and is probably not going to be able to afford to retire because of these payments. There is no way my sister can afford $ XXXX/ month when she is only making $ XXXX/month before taxes. After paying taxes and medical insurance, she is taking home less than the minimum payment amount of these loans. There is no option for income based repayment because they are Private loans, not federal.

Company response to consumer: Closed with explanation