milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have 4 duplicate Department of Education tradelines on my credit report for the same two loans. I disputed these items with XXXX through the CFPB on XX/XX/XXXX after speaking with XXXX XXXX XXXX and receiving reassurance that they processed my documents and submitted everything to the Department of Education. I completed the Loan Rehabilitation through XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( Account # XXXX ) on XX/XX/XXXX, and my loan has been sold to XXXX XXXX ( XXXX XXXX ID : XXXX ). Part of the agreement with the Loan Rehabilitation is that the defaulted and duplicate accounts would be removed after I completed the program and the loans are consolidated and sold to a new servicer. I was promised that the accounts would be removed within 30-60 days of completion, it is now XX/XX/XXXX and the accounts still appear on my report. I will attach the documentation pertaining to both the removal agreement and the new loan servicer agreement. The rehabilitation document subsection pertaining to the removal of the defaulted loans is section 10. I would also like to mention the fact that during this entire process, since XX/XX/XXXX, I have been a XXXX XXXX and should have been able to defer my loans, but every deferment was revoked after 30 days or simply denied. This has been a nightmare, but I have followed the rules despite being mistreated by an institution that was supposedly created to support and empower citizens.

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 12-12-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MN).
Issue: Settlement process and costs

Complaint: I married XXXX on XX/XX/XXXX. On XX/XX/XXXX we went to US Bank and I co-signed a loan for XXXX for {$75000.00} to refinance her house. We separated on XX/XX/XXXX and I moved out of the house. On XX/XX/XXXX, I went to US Bank and requested a print-out of the transactions of the loan. I saw that XXXX had taken out {$55000.00} without my knowledge and I was not contacted from US Bank that she was taking additional money. 
The first withdrawal happened on XX/XX/XXXX for {$25000.00}, and on XX/XX/XXXX she added {$30000.00} to the loan, both of these without my knowledge. 
I told US Bank on XX/XX/XXXX not to allow XXXX to increase the loan for any additional money. It was my money that made all of the payments of this loan. XXXX was not working or bringing in an income from the onset of the loan as she was going to school. 
US Bank had my cell number to contact me at any time ; and on XX/XX/XXXX XXXX from US Bank left me a voice mail saying that they were unable to stop XXXX from taking any more money against the loan. 
On XX/XX/XXXX I returned to US Bank and asked for another printout. It showed that on XX/XX/XXXX she withdrew an additional {$50000.00}. making it a total of {$100000.00}. of additional money XXXX withdrew without my authorization or signature. 
The settlement XXXX and I agreed to when settling our divorce was that I pay her {$78000.00}. and she was required to apply that to the loan so US Bank could rewrite the mortgage and remove my name from the loan. 
I am requesting that US Bank pays me {$100000.00} due to the unauthorized withdrawals that occurred without my signature of the transactions. Also, I want the additional money that I paid due to the interest and increased mortgage payments.

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 10-11-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I canceled my XXXX XXXX Policy on XX/XX/XXXX and started my XXXX XXXX Policy on XX/XX/XXXX. XXXX XXXX did not cancel my policy and sent a final bill due to a collection company.. I spoke to the collection company and explained to them that the policy was cancelled and provided the collection company my declaration page showing credible coverage. They stated that this was going to be reported to all 3 credit bureaus and that I need to pay the bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Consumer Financial Protection Bureau, I had two auto loans for a truck and car with Ally Financial back in XX/XX/XXXX and during a transfer to a new Federal job I had a lapse on the payment for a XXXX XXXX XXXX. Despite my attempts to negotiate with Ally to make payment a few days later, the company refused and repossessed the car. Needless to say some months later I received notice that Ally sold this car to a reseller and I still owed the difference from the purchase price. XXXX XXXX is Account : XXXX, Reference XXXX. Since that notice I have been making monthly online payments from my bank bill pay this XXXX XXXX. Last year I also paid off the truck loan and received title as scheduled with no problem. 

I have made numerous attempts to contact Ally Financial collections department to request a written notice for the balance to pay off this XXXX XXXX. My most recent phone call was on XX/XX/XXXX where they confirmed receiving my payments, but then refused to tell about my payments, my balance, and send written debt, balance, and pay off information. In addition Ally Financial told me my XXXX XXXX was sold to another debt collection company, but then refused to tell me the company, address and contact, and balance or payments transferred to this company. I have made repeated attempts to pay off this debt, but every time I have contacted Ally Financial collections department they have refused to provide my balance, my payments, written statement of balance, and not allow me to pay off this XXXX XXXX. 

I simply want written or email notification of my balance so I can pay off this Sale Debt and stop Ally Financial from continuing to degrade my credit report and FICO score. Ally Financial has repeatedly refused to provide my balance and allow me pay off this debt. -- Thank You

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 02-01-2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I opened a Credit Card account in XXXX and had a charge off in early XX/XX/XXXX, I opened the account while living in XXXX. I moved to XXXX  in late XXXX and in XXXX I received a letter saying that I was being sued for this debt but in XXXXI, I read online that the credit card agreement and laws of XXXX applied to the account I even spoke with Capitol one and they said the same thing. I wrote to the Law office and they sent me a letter saying that they couldn't pursue the case I than called them and spoke with them and they said the case was over. In XXXX they opened the case again and are trying again to the get the money for the zombie debt. I went to court and the judge kinda agreed with me about it, but wasn't 100 % sure I have to go back to the court again. The Law firm of XXXX XXXX XXXX XXXX XXXXXXXX XXXX is violating my rights. Statute of Limitations in XXXX  is 3 yrs and XXXX is 10 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Managing, opening, or closing account

Complaint: On Tuesday XXXX/XXXX/2015 I purchased a Bluebird prepaid debit card at the XXXX on XXXX XXXX XXXX in XXXX XXXX WA. I paid {$5.00} for the card itself and at checkout added {$150.00} in funds to the card. The directions on the box told me I could use the temporary card and to register online for a permanent card. I made a purchase on the same day at XXXX at the XXXX in XXXX XXXX WA which left a balance of {$97.00} on the card. I went online to register the account and found that I actually had to apply for an account ( this is not indicated on the Bluebird card packaging ) and had to be approved before Bluebird would send me a permanent card.I filled out the application and was denied an account for undisclosed reasons. I called Bluebird customer service on Wed XXXX/XXXX/15 and they said they could not tell me why but that I would be able to use the funds on the temporary card any place that accepted American Express. I tried to use the card at a restaurant and it was declined. I called Bluebird customer service again on XXXX/XXXX/15 and they told me they could n't help me and to take the card back to the XXXX I bought it from. I took the card to XXXX on XXXX/XXXX/15 and spoke with a shift supervisor in the money center who tried to cash out the card as well as get cash back with a purchase. They were unable to retrieve my funds. I called Bluebird customer service again on XXXX/XXXX/15 and asked to speak to a supervisor. I was told that a supervisor was unavailable but that a supervisor would call me back in XXXX to XXXX hours. I have yet to hear back from Bluebird and I am still unable to use the card or access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I had a pending transaction/bill payment from  XXXX   XXXX , I then transferred the amount to cover the cost from an external account/ Bank  XXXX   XXXX   XXXX   XXXX   . B oth transactions were simultaneously in Pending status Tuesday. The bank then used predatory measures and charged me an unwarranted  XXXX  overdraft fee. The overdraft fee then put me in the negative {$9.00}. I would like this published.  XXXX  consumer unfriendly/ predatory lending way is not only unsavory but creates financial hardships on the, POOR consumers they draw on to sustain their institution.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 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: Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per Credit Check Total. 
I have attached What these items are :

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 08/25/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XX/XX/XXXX I consolidated all my sons private college loans with Wells Fargo in the amount of {$86000.00}. My son was the primary borrower and I the co signer on all the private loans consolidated. In order for Wells Fargo to approve the consolidation they told me my son could not be on the loan because of his lack of credit history. The loan for all of my sons student loan debt would only be approved if his debt was consolidated in an educational loan in my name only. Now several years later, over the course of approximately 2 years, I have tried to refinance this educational loan. Every time I am turned down because I am the sole borrower of the educational loan. In order to refinance my son must be the owner of the loan in some way because he was the student. I do not have or remember the names of the institutions that I applied to and was denied for that specific reason. Eventually I stopped applying because each application was a credit inquiry. So instead of applying officially I started to call lending institutions and explain the situation, in each event I was told my son needed to be the borrower of the loan in order to refinance. 
As far as i can see there is no way for me to refinance this loan out of Wells Fargo and I am locked into it until the loan is paid. 
I have contacted Wells Fargo in XXXX and again just recently in XX/XX/XXXX to try to refinance at a lower acceptable rate and both times what I was offered was not acceptable. The first time after paying this loan for 5 years on time I was told I needed a cosigner with an interest rate that was out of the question. The second time I actually asked to have my son as the cosigner ( figuring if I could get him on the loan some how that maybe I would be able to refinance with another institution at a later date ) But the interest rate they offered again was not acceptable. ( My credit score is excellent ). 
I also feel I have should have the right to refinance with another lending institution other than Wells Fargo but the way this loan has been structured by them I do not have that option.

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 10-03-2017 about Mortgage (Conventional home mortgage) with ALTERRA GROUP, LLC (CA).
Issue: Trouble during payment process

Complaint: Our current Mortgage company, Alterra, is not reporting our monthly payments to any of the 3 credit bureaus for the last 11 months. 

As a result, our attempt to refinance is being stalled due to the new lender requiring a verification of mortgage payment history. 

Our current loan officer assisting our refinance has sent multiple Verification of Mortgage requests accompanied by our Signed Borrower Authorization forms. None of these requests are being acknowledged nor is anyone available by phone to give clear answers nor help us out. Formal requests were sent more than 20 days ago. 

These delays are causing missed rate locks and higher interest charges daily for the opportunity cost of NOT being able to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This complaint is against Experian credit reporting agency. 
This complaint is in reference to Experian Report number XXXX Experian Report date : XX/XX/XXXX Experian has posted a negative comment/item on my credit report since XXXX, concerning the merchant XXXX XXXX. 

The negative comment related to an unpaid account balance of approximately {$15.00} plus late fee. 

XXXX XXXX has investigated and concluded that it was their mistake. XXXX 's has issued a letter to me acknowledging their mistake and an apology. 

This information was forwarded to Experian in XXXX. After months of inaction and white wash from Experian, today the negative comment still remains in my credit report. 

Experian has consistently failed to properly investigate and ascertain the correctness of a negative report before they post it to a consumers credit report. Furthermore, after Experian was repeatedly told of the incorrectness of the posting and in the face of the merchant 's admission to such an error on their part, Experian has failed to take action. 

Experian, by their inaction to correct an obvious error, as shown by evidence and fact, has damaged my credit rating.

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 08-02-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Inaccurate wrong and hurtful information being reported by Hunter Warfield to all of the 3 major credit bureaus. I do NOT have nor have I ever had a contract with this company. Nor have I gotten any form of communication from the company in regards to them reporting negative information on my credit report to the three credit bureaus. Which I find to be a violation of the FCRA laws. At this point no communication is warranted as damage has been done. I would like for them to VALIDATE with original signatures and contracts they have along with payments and amounts due pretaining to the alleged debt. If VALIDATION can not be proved, I demand that the negative reporting be removed from XXXX, XXXX, and XXXX immediately. if VALIDATION is found I have the right to request all findings sent to me within 15 days of the finding and demand 30 days to respond which is not likely as there are no contractual VALIDATIONS. Also this company has no business license with the state in which I live in.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: my loan is now being serviced by ocwen. they increased my escrow amount ... ... it is only pmi ( no insurance or taxes ) escrow is not to increase. The loan was transferred from XXXX to ocwen. they have given me all kinds of excuses. XXXX did not send the escrow money ... I told them to ask XXXX for it. then that was not the issue. I have tried for two years to get this resolved with ocwen and to no resolve. please help me. XXXX XXXX XXXX my mailing address is XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had an FHA mortgage which I think uses deceptive marketing techniques and fraud as a basis for concealing the total cost of the mortgage. First of all, there was no way to cancel my mortgage insurance despite my loan only being XXXX % LTV because I refinanced the mortgage for a lower rate and it has a mandatory 5 year MIP payment from the time of refinance regardless of the value of the home. We recently sold the house and now found out we have to pay the entire month 's interest despite closing on XX/XX/XXXX. This resulted in a charge of {$810.00} of interest regardless of closing earlier in the month.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Managing the loan or lease

Complaint: Loan me sent a post card to my address with a 7.4 apr when I actually was approved for the loan the APR went up to 137.70 % and 135 % for the Interest. I am a struggling single the parent and can not afford to give LoanMe {$12000.00} for a {$3000.00} loan. I received this loan in XXXX of 2014 and have been paying consistently for the last year. Please look into this company because the percentage rate for their loans is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (Federal student loan) with National Enterprise Systems, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Enterprise Systems has left numerous messages on answering machine when not at home harassing telling me to urgently call back that they are trying to help me ; received call in person from them and explained I knew I was not the person they were trying to reach yet he persisted that I was and I needed to talk to him. After repeating to tell him I had no debt he said I did that I had given them the phone number I and said I had not. It was regarding a student loan I said I had no student loans etc that I was XXXX yrs old not the person He said you mean you are XXXX years old etc. I ask to speak to a manager and he discounted me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Received adverse action letter from other financial institution, and contacted credit reporting bureau Transunion regarding believed inaccurate information on the report. 
Initiated a dispute regarding the information. I received an Investigations Results letter from XXXX XXXX of this year. The letter states " If there has been a change to your credit history resulting from our investigation, or if you add a consumer statement, you may request that TransUnion send an updated report to those who received your report within the last two years for employment purposes, or within the last six months for any other purpose. '' As there had been a change in the form of updated information. As well as that I have indeed added a consumer statement, I felt that this section of the letter applied to me. 
On XXXX XXXX, I contacted TransUnion 's Customer Contact Center regarding making a request or request ( s ) as outlined by the letter from XXXX XXXX. 
However I was informed throughout the call, which finally was escalated to a supervisor XXXX XXXX, that TransUnion is unable to send an updated report to those who received my report within the last two years for employment purposes, or within the last six months for any other purpose. 
Although there is vagueness in if there must be two separate requests, one for sending the updated report to those who received the old report for employment purposes, and one for those who received the old report for any other purpose. Overall my concern is more as follows : I am not quite sure if it is that the letter TransUnion sent me is some sort of form or template letter which is not longer in line with their current practices regarding sending of updated reports ; or if TransUnion 's Customer Care Center is simply unaware of how to supply such requests to TransUnion. Unfortunately the letter itself does not specify if these requests are to be mailed somewhere, or submitted by phone through the customer contact center, or perhaps just hoped for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief