milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2015 about Credit reporting () with EQUIFAX, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my EQUIFAX report, Both of the XXXX ACCOUNTS are showing as OPEN ACCOUNTS. It is not open, it is closed and has been closed for years. It has also been paid in full since with no balance owed. I also believe it is time for XXXX accounts to be removed per the law from when it actually defaulted as the debts originally was not theirs but another companys. It is the same debt as the XXXX XXXX ACCOUNTS. Those XXXX XXXX ACCOUNTS are also CLOSED, PAID IN FULL and are no longer in collection. I have spoke to XXXX as well as XXXX and they have verified as well as told me they sent the correct info to the bureaus to fix this yet I see EQUIFAX is still reporting incorrectly. Also, I received a letter from XXXX that verified they also informed XXXX who is dragging there heels on updating my last complaint to you all, which is CASE # : XXXX as they are showing this as charged off in XXXX 2015 now and at the time I complained to the CFPB they were showing it as charged off XXXX 2015. This is just illegal XXXX that I am tired of and XXXX says it will take 60 days and I know XXXX well they have the updated info already as it was mailed to them about a month ago yet they are still reporting this XXXX account incorrectly and illegally, probably out of spite. I am paying for monitoring services where they claim they update every day, etc and thats just a lie. If I decide to charge back every month I have paid them for there " NOT THE PRODUCT THEY CLAIM TO BE SELLING ME '', I wonder what would happen and if i took it to court what would a judge say. Someone needs to get on this as I am sure there are thousands of Americans just getting ripped off on this monopoly these bureaus have going on. I pay and subscribe to EQUIFAX, XXXX, XXXX and XXXX and I pay all my debts and have not missed a payment on any account I have opened in over 2 years but yet I suffer from some XXXX working at these companies who can not seem to comprehend english or speak it properly when I try to make progress on the phone and apparently can not enter correct true data. I do not deserve this.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automobile Acceptance Corporation (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing a compliant agains t Automobile Acceptance  (  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  ), because I have settled in full a title loan with this company and their attorney  XXXX ,  XXXX   XXXX   XXXX ,  XXXX  (  XXXX   XXXX   XXXX   XXXX , GA  XXXX  ). on   XX/XX/XXXX  f or account  XXXX  in the amount of  XXXX . Automobile Acceptance has reported and continue to report to credit bureaus   XXXX     &  XXXX  that I have an account  XXXX  as a single pay loan, duration term 1 month, last payment   XX/XX/XXXX , an d payment  XXXX  a month ... all this information is incorrect, I never signed or applied for loan with them for the info listed above, the account I had  XXXX  was correct and settled, it is my belief that this company is reporting the balance after settlement. I have submitted several disputes to the credit bureaus to have this information verified and to be removed, and it still remains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is reporting a 30-day delinquency on my credit report that is not correct. I have always paid account as agreed and never late. The account is currently in debt management which has been paid as agreed. Although the account is closed and in their approved debt management program, they continue to charge late fees and monthly annual fees. This is not correct and they are not honoring the terms of the debt management plan as agreed. They issued some credits for fees, but have not corrected the erroneous credit report with Experian. I have a separate claims for XXXX and XXXX XXXX to do the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I am involved in a court case and needed a copy of checks written on my account from Citibank. I asked the bank to send me the copies of the cancelled checks. My attorney also subpoenaed a copy of my bank records. However the checks I received did not match up with the records my attorney received. They were the same account but different amount on the checks. When i asked a local branch manager ( XXXX ) she said she would look into the matter for me. She never got back to me. When I went into the branch again later, I met with an area VP XXXX, he also said he would look into the situation and we scheduled an appointment for the following week. The day before the scheduled appointment he called and cancelled the meeting stating he was not going to be in town and had to reschedule. We rescheduled the meeting for Wednesday XXXX XXXX at XXXX. An hour before the appointment his assistant called and cancelled the appointment stating he mailed me a copy of what his findings were and how to proceed. I have to this date not received anything and have been unable to reach him

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 12/24/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Today is XX/XX/XXXX. I have a payment due tomorrow, XX/XX/XXXX, which is a XXXX. 
I am attempting to pay right now, but " FedLoan Servicing, '' some kind of Dept of Education contractor I think, will not allow me to make a payment on the weekend. This is absurd. The payment is being made online, so they should allow it, but they do n't allow users to select a date that is a weekend. 
How can they make the due date fall on a weekend, but then not allow someone to make a payment on the day that it is due? I am probably going to get hit with fees, etc, because the website literally wo n't let me make a payment. It 's a website. This is 2016. They made the payment due on a weekend, so they should accept payments on the weekend. 

Additional Details : The website requires that select a date that the payment will go through on. But all the dates that happen to fall on a weekend are " grayed '' out. You ca n't select them. They also do n't allow payments to made with debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing this email in pure frustration with Carrington Mortgage Services. Although from my previous experience it will probably do no good. 
I applied for a modification on the above referenced loan XXXX/XXXX/XXXX. I made my payment for XXXX on XXXX/XXXX/XXXX as I make my payment every month late on the last day of the month. To my dismay as of XXXX/XXXX/XXXX Carrington had not posted my payment so I called to find out why. I was told it was not posted because I had applied for a modification and they hold payments when your account is being reviewed for modification. I asked will this be reported to my credit bureau as 30 days past due and I was assured it would not. I was even asked by a representative named XXXX if I am not 30days past due why am I applying for a modification anyway. Well surprise, surprise Carrington did in fact report me as being 30 days past due for XXXX XXXX as I had feared they would. I was told to fax a copy of my credit report showing this to XXXX. I faxed this on the XXXX and XXXX of XXXX and I was told this process can take up to 30 days. 
Since I opened this loan in XXXX XXXX it has been nothing but XXXX. First I was told if I refinance with Carrington my mortgage payments would be reduced to $ XXXX/monthly. Then 3 months later they increased my payments to {$2300.00} stating they miscalculated my real estate taxes. So of course this has caused me continuous financial difficulty. Every month I struggle to pay this exorbitant mortgage payment and barely make it each month by the end of the month. Then in XXXX XXXX I made my payment through Carrington 's online payment system on Friday XXXX/XXXX/XXXX but dated it for the XXXX/XXXX/XXXX and they posted it XXXX XXXX which made my account 30 days late. I contested and begged for them to remove it but they refused. My credit is very important to me and sometime we go without a lot of things to make this mortgage payment every month. 
I enlisted the help of a realtor to attempt to sale the property but sadly it is not worth what I owe. Everytime I call Carrington Mortgage it is a terrible degrading experience. Your customer service representatives are terrible and your policies are not customer oriented. 
I absolutely hate Carrington Mortgage and everything they stand for. 
I would appreciate it greatly if Carrington would remove the 30 day late they have reported on my credit report for XXXX. 

Disgusted XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from CREDCO which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX. I have contacted CREDCO, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 03/28/2017 about Credit card () with BARCLAYS BANK DELAWARE (DC).
Issue: Customer service / Customer relations

Complaint: I currently serve as an XXXX in the U.S. XXXX. I wanted to bring to your attention to a cancellation of Servicemembers Civil Relief Act ( SCRA ) benefits by Barclays Bank on their XXXX that will likely put many servicemembers in a financial bind, and at the very least is an abuse of those servicemembers ' good faith and trust in Barclays as a financial institution and lender. 

A little over a year ago, I, along with many friends currently in XXXX, opened a Barclays Gold XXXX with an agreement that the SCRA benefits afforded to me would include a 0 % interest rate on both old and new purchases, balance transfers and cash advances ; no fees of any kind, which included waiving the annual fee of {$990.00} each year and charge of {$290.00} for each authorized user ; and no collection efforts. After reading that the waiver of annual fees was withdrawn from the offered benefits on XX/XX/XXXX, I wrote Barclays, on XX/XX/XXXX, to ensure this would not affect me as the terms of my SCRA benefits should apply prior to changes. In an email Barclays assured me that I would maintain these benefits until end of my XXXX period. Today, XX/XX/XXXX, I received a memo stating the annual fee would now be assessed each year, and I will be charged {$1200.00} dollars. I called and talked to Barclays ' management, who had the correspondence on record, and they informed me I would be required to pay this for the next billing period. 

I write this letter not to drone on about my financial burdens, as fortunately I will pay my balance and close the card to avoid yearly charges. I write because I know of countless servicemembers who were deceived by Barclays, offered extremely high credit lines, most in excess of {$25000.00}, with the promise of 0 % APR. When I asked Barclays management, on the phone, if they were aware the bind in which this will likely put countless servicemembers, they responded, " Yes, we are aware they are very upset. '' These servicemembers now face the decision to either pay their balance and close their credit card, possibly putting them in a position of financial hardship, or pay the exorbitant annual fee. I hope you can see why this is an abuse of both servicemembers ' trust and the spirit of the SCRA, which has long provided XXXX and Veterans a piece of mind in making financial decisions. I also hope that those who are XXXX servicemembers were not impacted by this blatant abuse of their trust.

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 03-12-2018 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (VT).
Issue: Unexpected or other fees

Complaint: I recently purchased a prepaid XXXX XXXX XXXX XXXX ( US BANK NATIONAL ASSOCIATION ) ( XXXX ) ( XXXX ) at XXXX XXXX Grocery store in XXXX, Utah an loaded {$50.00} onto card and was told no hidden cost or charges just the cost for the card. When I tried to buy an XXXX ticket over the Phone XXXX told me that the zip code that I had used XXXX for XXXX did not match the card so an incident was filed and the Vender, not XXXX but the company selling these XXXX Debit cards, XXXX charges me a 15 percent incident charge equaling {$7.00} off my {$50.00} debit card so that I could no longer purchase that {$50.00} XXXX Ticket. I had to use the remainder of the card to purchase another prepaid debit card but this time from another company and this time instead of buying ticket over the phone I purchased the ticket on XXXX 's website. This hidden cost was on a tiny piece of paper hidden and glued inside part of the paper folder the debit card came in. A card may say XXXX or XXXX Charge but is not actually put out by XXXX or XXXX charge and that is Fraud! Like buying a said to be XXXX product security program that actually is not from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Good afternoon, I have received notifications ; via phone on XXXX/XXXX/2015 @ XXXX your collection agency left a voicemail violating federal laws ( FDCPA ) I called back to see why are they disclosing information over a voicemail. 

When calling back @ XXXX XXXX I spoke with XXXX in XXXX office, he started to give me my personal information like, address, last XXXX of social ( I did not he did, without even verifying who he was speaking with ) He then stated that I need to be transfer to XXXX XXXX, he then started to informed me that it was for XXXX XXXX and the amount I was due for. 

Again collecting and violating federal laws ( FDCPA ) he failed to mini-miranda me before disclosing the reason of the call. 

I then asked to speak with the supervisor ( XXXX XXXX ) to have my account closed out at a {$0.00} balance due to many federal laws being violated to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX 2007, I signed for a {$260000.00} conventional 30yr. Fixed mortgage with WAMU. During the poorly executed take over by Chase my requests for a loan modification were continually lost & I was routinely disconnected after hours on hold & unable to get any knowledge representative to assist me with keeping my home from foreclosure. 

Long story short, House was foreclosed. I fought the entire way and a judge eventually ruled in my favor and Chase finally processed my paperwork and my " making home affordable '' modification happened. Chase figured out a way to get around the judges order of no fees or added costs were to be placed on me. So instead, Chase added on {$58000.00} in Corporate Advance charges. 

Now after paying 10 years on my Mortgage my Payment is {$200.00} higher per month than the loan I agreed to and my payoff is XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Mortgage) with Caliber Home Loans, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Had a XXXX mortgage with XXXX Mortgage and had a XXXX with HFC/HSBC. Did a consolidation of the XXXX and XXXX in XXXX with XXXX which turned out to be a fraud predatory lenders loan. Even though this loan almost put me and my wife into bankruptcy in XXXX XXXX, and XXXX file foreclosure in XXXX XXXX. On XXXX XXXX me and my wife send XXXX XXXX XXXX a letter in pursuant to Section 6 of the RESPA. 
Demand was made for all records electronic or otherwise, assignment of ours mortgage, promissory note or servicing rights to our mortgage including any such assignment on MERS. 
All deeds in lieu, modification to our mortgage, promissory note or deed of trust from the inception of our loan to the present date. 
The front and back of each and every canceled check, money order, draft, debit or credit notice issued to any servicer of this account for payment of any monthly payment other payment escrow charge fee or expense on this account.H XXXX did not send us the proper answers back for our request. 
Me and my wife chose to go through the state of XXXX foreclosure mediation program in XXXX XXXX and out of the mediation XXXX agreed to do a short pay off of the mortgage to us for a {$150.00}, XXXX out of the {$330000.00} that we owed with no deficiency. XXXX refused to refinance the loan and Our credit was ruin because of the foreclosure procedures that we had went through. On XXXX XXXX, XXXX we received a recorded release of deed are canceled mortgage from the documents released administrator in referenced to about loan # XXXXhas been paid in full through our company. XXXX XXXX Mortgage. Also enclosed in the papers was a Substitution of Trustee and Deed of XXXX. This was recorded in the XXXX County Courthouse recorders office given XXXX XXXX XXXX and XXXX XXXX XXXX husband and wife as joint tenants with Right of Survivorship. 
( Inst # XXXX ) We also have the original Deed of trust ( security instrument ) Have not made mortgage payment since XXXX XXXX XXXX have sold the loan to caliber home loans in XXXX XXXX. 
Have a recorded document XXXX County from caliber home loans notice of breach in default and election to sale inst # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed an account with Equifax that was discharged on my Chapter XXXX. We have completed and received our discharge on XXXX 2015. One of the debts included was our XXXX mortgage from XXXX XXXX XXXX XXXX. It is being reported as a charge off when it should be reported as included in bankruptcy and should show closed. This loan was avoided upon completion of our Chapter XXXX and was not even a charge off prior to us filing Chapter XXXX. I have sent court docs to Equifax and XXXX XXXX XXXX XXXX and the charge off is still showing. Is this not a violation of some kind?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.

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 04/21/2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (NE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX ( XXXX XXXX ) Took an account that was charged of in XX/XX/XXXX and re-aged the account to XXXX when I called them to inquire as to what the account was for. My understanding is this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company is reporting a late payment in XXXX and that is incorrect.

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 07/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Chase, XXXX XXXX and XXXX XXXX refuses to give modification to certain clients whose loans they have classified as " subprime '' that were dispense during the recession in hopes the consumer will default and they will collect insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Other debt) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: 0n XX/XX/2018, {$810.00} was taken from my checking account with Huntington Bank without my knowledge and concent by XXXX XXXX. I then called XXXX XXXX and was told they can take money out any time they want. My situation stems from a disputed debt with XXXX XXXX XXXX, which was acquired by Huntington Bank.

Company response to consumer: Closed with explanation