milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2018 about Student loan (Private student loan) with GREAT LAKES (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I consolidated my federal subisidized and unsubsidized student loans in 1995 with Great Lakes. I was told at the time I consolidated and every year after that, that I was in the XXXX  and Public Service Loan forgiveness program. At the end of my 10 years of making automatic payments to Great Lakes, I was told I did not have that type of loan. I could refinance to that loan and begin paying triple what I have been making for another 10 years. I now have to go off my husband 's income. I have been paying on these loans for 13 years and still owe what I borrowed. Please help me. I will provide any documentation if you think you can hellp me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Back in XX/XX/XXXX i submitted an identity theif disputes along with a official copy of my police report to all national credit agencies once I realized my identity had been stolen. The company did n't follow the FCRA laws regarding information on my credit report due to identity fraud. It states all fradulent items in my name should be blocked permanently and immediately because my private information had been compromised. There are still several fraudlent accounts reporting on all 3 of credit bureaus and I would like them removed immediately or a XXXX dollars in restitution for breaking federal laws. The negative accounts still showing that are not mine are XXXX XXXX XXXX credit cards a XXXX card and XXXX gas card opened in XX/XX/XXXX and a XXXX and XXXX XXXX furniture account. Of course the creditor will be able to verify me because my identity was stolen and used so that 's no excuse to not follow the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Debt collection (Medical) with Io, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receivables Management Systems ( original creditor is XXXX XXXX ) continues to report I owe them money, however this account does NOT belong to me. I have asked them to remove this several times, it was removed on XXXX XXXX, 2015 & was put back on my credit report in XX/XX/XXXX.

Company response to consumer: Closed
Consumer complaint received 11/18/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Using a debit or ATM card

Complaint: FIFTH THIRD BANK ( 53 ) Unfair banking practices- Overdraft fees XX/XX/2016 : I was forced to write a check at the grocery store because I had left my debit card/cash at home. Later that evening, I took cash money to the local ATM to make a deposit just to be safe ( prevent any NSF fees ) I had direct deposit scheduled for XX/XX/2016 ( they were closed on Monday XX/XX/XXXX for XXXX ) but, was unable to deposit the money due to " out of service '' notice on ATM screen. The Direct Deposit deposited on XX/XX/XXXX and all the checks that had been written over the past week and weekend were also debited that day however, all debits were removed BEFORE the deposit was credited to the account and I was charged {$74.00} in NSF fees. There has also been an instance of fraudulent charges being placed on the account, my balance depleted below the amount to cover pending checks. I was issued credits for the fraudulent charges however, the bank refused to remove the NSF fees that incurred due to those charges. The bank also did not cancel the card as requested during those disputes and the charges reappeared on my account 2-3 weeks later along with more NSF fees caused by those charges. Again, the fraudulent charges were removed but, they refused to remove the NSF fees- they did however, state they cancelled the card. They also informed me I would not have access to online banking or mobile banking for 7-10 days while the account was " undergoing updates '' so I am unable to verify anything on the account. Thirdly, the bank ALWAYS orders transactions so deposits are credited last and online payments are debited before the deposit is credited. AGAIN, fees have been incurred because of the way the bank CHOOSES to order these transactions- I have lost several hundred dollars due to these issues and the bank refuses to assist me with rectifying these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery/ fraudulently reported a dispute on my credit report for a {$600.00} collection. This is shows as a revolving credit which was paid in full over a year ago. The dispute was finally removed after 4 months. However, my home loan is being denied 10 days before closing because Portfolio Recovery/XXXX is refusing to delete the inquiry off my report. I am about to lose my home loan all because a {$600.00} collection was fraudulently disputed and effected my credit. If it had n't been disputed and the dispute recently removed, I would be approved for my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (FHA mortgage) with US MORTGAGE CORPORATION (NJ).
Issue: Settlement process and costs

Complaint: Hi and thanks for your time ... we recently refinanced in order to take advantage of the reduced FHA monthly MI premium and move from 5yr ARM ( originated with same lender about 12 months prior ) to a fixed product. The monthly savings are less than {$100.00} but the silver lining was ARM to Fixed. The day before closing I received the following e-mail : XXXXXXXX , Funds to close is $ XXXX escrow return is {$4400.00}. 
Sorry about the funds to close but the difference it is made up in the escrow return. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXOffice : XXXXTollFree : ( XXXX ) XXXX ext.XXXXFax : ( XXXX ) XXXXXXXXXXXXwww.usmortgage.com XXXX $ XXXX at closing to save less than {$100.00} per month is a lot but the promise of the escrow refund made it tolerable. 
A few weeks later the escrow check was received in the amount of {$2200.00} ... big difference. 
We closed XXXX/XXXX/15 and I have been going back and forth with the lender to figure out what happened for the past month and every contact ends with let me look into it and I 'll get back to you ... then nothing until I reach out again. 

We think we were misled and I ca n't say for sure but I do n't know if we would have gone forward with the transaction without the inducement of the {$4400.00} escrow refund. 

Do we have a legit complaint? 

Thanks again for your attention to this matter. Any guidance you can offer will be appreciated. I 'm sick of going back and forth with the lender and then being ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX XXXX on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. This inquiry is also over 24 months old, which is a violation of the FCRA to continue to post to my credit report. Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit card () with DISCOVER BANK (FL).
Issue: Bankruptcy

Complaint: acct under XXXX bankruptcy and still showing under my XXXX credits bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Closing on a mortgage

Complaint: To Summarize, I refinanced XXXX XXXX XXXX XXXX CA XXXX with the same bank BBVA Compass The loan officers promised me that they had a way to lower my APR by splitting my Jumbo loan of XXXX XXXX@5.25 into two loans I was promised verbally repeatedly and consistently that both loans will be fixed and money will go towards interest and principal I had good relations with loan officer so I signed the paperwork, only to realize that HELOC was interest only and tied to some Govt interest Rate I was truly misled and made the mistake of signing documents with their verbal reassurance BBVA Compass XXXX XXXX Financial Sales Advisor - XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, CA XXXX Desk XXXX Branch XXXX  ext XXXX NMLS # XXXX All I have been pleading is I want to pay off my loan and as verbally promised repeatedly that both loans would be fixed rates I either want my original loan back or please convert HELOC to a fixed rate loan These are unfair practices used by banks and mislead consumers Please help and advise, I am willing to work with them to achieve a resolution, they have put through months and months of harassment and underwriting and denied helping Best XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Im not 100 % sure that i was part of predatory lending but it does seem like a lot of people have issues with XXXX and XXXX. I for XXXX have tried to make payments to the vendor XXXX but due to being in and out of jobs it was difficult to stay up on considering having a family to take care of now and then it was just a burden to pay monthly payments. for now XXXX of my private loans went into default a few years ago, i currently pay a little payment on XXXX of the private loans which is probably a waste of time. my federal loans have not been paid since their inception.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Was not allowed to acquire my free credit report online from any of the 3 credit agencies through XXXX. 

Was not able to dispute items over the phone from any of the 3 credit reporting agencies. They kept shuffling us off to other  uninformed agents and we were hung up on continually. They have NO ACCOUNTABILITY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with Blue Brick Financial LLC (AZ).
Issue: Application, originator, mortgage broker

Complaint: I responded to a solicitation for a home refinance Blue Brick Financial sent me to me in the mail. The representative I spoke with did not make it clear that I was at risk of having to pay for the home appraisal fee if they did not go through with the loan which they now say they can not provide. The representative did not preform any due diligence on his part to research my home 's value to access beforehand if the loan to value was out of range. Also, the representative also stated several times this was a " no fee '' loan and Blue Brick Financial would refund or credit back the appraisal fee in the closing process. They never made aware that I have to pay if they do n't complete the loan process. They also charged my credit card with out my prior authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Unsolicited issuance of credit card

Complaint: I have a XXXX XXXX CARD number XXXX recently this card have many problems, on XXXX XXXX they charged me XXXX $ + XXXX $ for a TOTAL of {$1000.00} for annual fees for XXXX XXXX CREDIT CARD, the last month BARCLAY decided to change without authorization the Card and my account to a XXXX CARD, I am not agree with this change and asked them to close my account an refund the annual fees. Now, they closed the account and told me that are " unable to refund the fees '', this is a fraud and its happening with many clients, please help. 
Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX/XXXX/XXXX I received XXXX debt collection letters from ERC regarding XXXX debts to XXXX XXXX, XXXX. XXXX in the amount of {$990.00} and XXXX in the amount of {$760.00}. I received another collection letter from ERC on the XXXX/XXXX/XXXX for another debt in the amount of {$260.00}. I do not owe these debts. 

I have already sent, submitted a proof of ID to XXXX last year regarding another debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed the entirety of my personal information as it regards to credit to become public knowledge. I did not authorize my information to be shared with anyone -- let alone the general public.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Making/receiving payments, sending money

Complaint: Please refer to my previous compaint Case number : XXXX ] where I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about XXXX so, I downloaded the XXXX ( XXXX ) in my XXXX. Then made a call to XXXX to understand the process. They told me to add XXXX as payee in my bank checking account and paid the money I wanted to transfer into the XXXX. So, I paid {$620.00} from my Capital one 360 checking account to XXXX and XXXX received {$620.00} from checking account on XXXX/XXXX/2016. 
Now I have received an Affidavit from Capital one 360 Bank ( Please see attached ) for me to sign and have it notarized which does not reflect the true account of the matter in question. Bank is still insisting that I authorized the creation of a certain check numbered XXXX dated XXXX XXXX, in the sum of {$620.00} which contrary to the fact. As a matter of fact, XXXX was added to my internet banking as a Payee and I was neither explained or notified by the bank personnel that they will be sending out a check instead of electronically remitting the amount to the Payee. 
I do not understand why bank is misrepresenting the entire matter to a consumer and CFPB. 
Bank needs to be held accountable for dragging this matter for five months and going.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Credit card) with Professional Bureau of Collections of Maryland, Inc. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I contacted them to work on a resolution, and at that time advised them the only number to reach me at was my personal number, which they had, and asked them to remove a XXXX party 's phone number, which they verified was removed. The following day they called that same number they said they would n't..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THE THREE CREDIT BUREAU ADVISED ME TO GET A POLICE REPORT DO TO FRAUDULENT INFORMATION ON MY CREDIT FILES, I DID THAT AND SENT IT OVER THE EACH COMPANY EQUIFAX FRAUDULENT ACCOUNTS ( 2 XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: instead of lowering my payment when I got behind the bank got me a modification and raised my payments plus hassle me on the phone.

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 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I noticed an erroneous account on my credit a few weeks ago and I immediately took steps to have this error corrected by contacting both the data furnisher ( XXXX XXXX ) and the bureau ( TransUnion ) which were reporting this incorrect information on my credit file. 
I am attaching the letter I sent to TransUnion in which I dispute this account on XXXX XXXX, I asked them to provide the evidence of verification that they obtained during their " investigation '' -- which they have not responded to. I also am attaching the letter I sent to XXXX XXXX on XXXX XXXX, requesting a description of their " verification procedures '' as well as the XXXX forms transmitted by them to TransUnion regarding this account and any and all data submitted as " verification '' of this account. To date, I have received no response. Since my letters were sent out over 30 days ago, the window within which they must respond has now closed for them to provide requested verification proof. Therefore, as it is NOT a verified account it must be immediately and permanently removed from my file, as per 15 U.S.C. 1681s-2, which states : " ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. '' Please instruct TransUnion to remove this unverified and erroneous account from my credit history.

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 02/14/2016 about Debt collection (Non-federal student loan) with Kramer & Frank, P.C. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed bankruptcy in 2007 and specifically added the loan for XXXX i even had to meet with the judge to get this discharges and the judges discharged it and yet the collection agency refuses to acknowledge it the keep harassing me and taking my funds out of my bank accounts as well as my tax returns.I have sent them copies of the bankruptcy but they refuse to acknowledge it

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my information to be stolen in their data breach. They have not contacted me to alert me about the breach, but I learned from the news and confirmed with their tool that my information was stolen - " we believe that your personal information may have been impacted by this incident ''. They sat on this information for 6 weeks, giving crooks plenty of time to sell or trade my stolen SSN, DOB, addresses, and other identifying information. An identity theft could ruin my credit for years to come.

Company response to consumer: Closed with explanation