milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been battling with XXXX and Navient since 2012 about a misapplied forbearance that caused me XXXX late payments on my credit report. Even though I have never missed a payment, my disputes have always fallen on deaf ears. I even truly feel that the XXXX employee who initially made the error might have been negligent on purpose. 

The delinquencies are XXXX Signature Student Loans, which were reported delinquent in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2012. The actual occurrences of the delinquencies were in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2012. That is the first error. The second error is that the forbearance was to be applied to the starting in XX/XX/XXXX so the account would be brought current. This should have eliminated the chance of account delinquency. I would have, and should have, been been enrolled in the program without any credit bureau reports. The reduced rate repayment plan began in XX/XX/2012, which was paid as of XX/XX/2012, on my account history. The forbearance and repayment plan were a huge repayment triumph for me since my previous dues were so high I could not afford them, and then they were dropped significantly. But now, because of the forbearance error, these XXXX Signature Student Loans ( each showing three months late ) equate to XXXX delinquencies/late payments on my credit report. They have affected my credit score so badly that I can not even qualify for new school loans if I choose to go back to school. This is true, even though I have dedicated myself to loan repayment in full and have prioritized XXXX/Navient above all other responsibilities. No certified letter has done any justice. Attached is the original certified letter which is nearly what I 've expressed here in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a certified financial crime investigator. I am filing this complaint on behalf of each individual that has been issues a Social Security Number by the Social Security Administration. I allege that the credit bureaus, to include Transunion, XXXX, and XXXX are willfully and knowingly allowing fraudulent profiles to be created in their databases and systems. On multiple instances, they were made aware of how they allow fraudulent credit lines to be opened with information that differs from the original individuals demographics. Financial Institutions are being harmed along with the individuals that are issued SSNs. Fraud losses are exponentially increasing year over year and this is in part, due to the credit bureaus going unregulated and unchecked. Regulators need to file suit against the Credit Bureaus for willfully and knowingly violating FCRA/FACTA and the consumer protection laws. 
A few questions any educated individual would now ask, after reading the previous statement, would be : " Why would the Credit Bureaus allow secondary profiles to be created? '' " What benefit do the Credit Bureaus have in allowing fraudulent profiles into their data/systems? '' " Why is this an issue and what are the implications? '' To answer these, we must first look at what all fraud schemes have in common .... MONEY. XXXX dollars are spent each year on fraud prevention and detection tools by financial institutions that are under MAJOR scrutiny by the various regulators. In order for financial institutions to comply with FACTA and the red flags rule, they must have proper detection tools in place. These tools are being developed, marketed, and sold to the financial institutions by the Credit Bureaus themselves. The Credit Bureaus have invested massive amounts of capital and energy on learning how to identify fraud within their data. Credit Bureaus have proprietary tools that can identify the very fraud they have allowed, which can easily be sold at top dollar to financial institutions, who unknowingly and unwittingly shell out XXXX for these fraud tools. 
To address the last question from above, we need to look at who Social Security Numbers are issued to. SSNs are issued to minors, adults, but most importantly, all are American Citizens. We as American Citizens are being harmed maliciously by the Credit Bureaus and DEMAND protection by the regulators. Escalate this to any other regulator or investigative branch of the government as necessary. It is time we address the root cause of fraud here and now.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (NC).
Issue: Application, originator, mortgage broker

Complaint: Tried to refinance my mortgage with Loan Depot. Locked in at XXXX %. Provided all the information they required.Refinancing XXXX % of the value of my home. Have a XXXX credit history with no problems. They kept delaying the process by asking for the same materials and told me I lost my lock in rate. When I told them I would not proceed with the loan they agreed to extend the lock in at XXXX sent me my closing statement and added {$1200.00} for XXXX contacting my mortgage company to find out the payoff, they said I would close in XXXX days.I contacted them XXXX week later to find out what was taking so long and they told me I had a lien on my property.Spent all morning trying to find out what lien could be on the property downtown at the deeds office. They said mortgage company was trying to pull a fast XXXX and gave me stamped papers saying no liens were on my property.I faxed papers to loan depot and did not hear back until I called them.I was transferred to another person who explained the loan would go through but at a higher interest rate. My whole experience with loan depot took over XXXX months. I missed out on XXXX % interest rate and was out {$450.00} for my appraisal. I would hope someone could put them out of business so the ca n't cheat homeowners anymore.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: OnXX/XX/XXXX, Equifax announced that they had suffered a security breach that exposed personally identifying information of myself as well as many millions of other 'customers. ' From their press release on the subject : " XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.SXXXX consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted. 

Equifax discovered the unauthorized access onXX/XX/XXXX of this year and acted immediately to stop the intrusion. '' Through their site, https : //www.equifaxsecurity2017.com/, they have confirmed that I have likely been affected by the breach : " Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I have mortgage with XXXX which originated in XXXX, XXXX. They used Loan Care for their mortgage payment processing. I submitted payments directly though them, although would occasionally also use The XXXX XXXX 's web page. On XXXX XXXX, XXXX I submitted my monthly payment to them using my credit union 's bill pay feature ( as I had done in the past ) I did not know that it had been transferred the previous month. I was told in XX/XX/XXXX, by the XXXX XXXX, that my XX/XX/XXXX payment was late. I then found out about the processing center being changed. I contacted Loan Care and asked them to forward my money, as they had in the past, to the XXXX XXXX, or to return my money to my account. I had used an electronic transfer, so it should be easy to verify. As of XXXX XXXX, XXXX they still have not forwarded or refunded my money, making my mortgage now 4 months late. I have placed numerous calls and emails to Loan Care to get this resolved to no avail. I call every XXXX days. Often, they will tell me they are waiting for information I already supplied. They tell me it is forwarded to a manager, and that they will contact me. No calls are returned. I have asked XXXX XXXX to help, since the loan originated with them. Nothing has been done.

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 11/13/2017 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 a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.

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
Consumer complaint received 04/14/2017 about Money transfers (International money transfer) with PNB INTERNATIONAL INVESTMENTS CORPORATION (CA).
Issue: Other service issues

Complaint: My complaint about this online remittance company  ( PNBWEBREMIT.COM )  is that they do not send a proof of delivery that would tell their customers that they actually sent the money. Also, they make it impossible for their customers to cancel a transaction.   Here are the details : I sent some money through https : //www.pnbwebremit.com o n  XX/XX/XXXX  .   Within an hour, I realized I had to cancel my transaction. I got the run-around. I called the number on their website (  XXXX  ) which directed me to another phone number. Then, upon reaching Customer Service, they said they could only cancel if I sent them an email. I sent an email to  three e mail addresses :   XXXX   XXXX   XXXX  ,  XXXX  XXXX  XXXX  and  XXXX  XXXX  XXXX . I received an out-of-office email fro m three emails . It 's been over 48 hours and they have not responded. Meanwhile, the money is underway and I could not cancel   the transaction.
To resolve my complaint and protect the US consumers, please require this company https : //www.pnbwebremit.com which appears to exist only online, to provide proof of delivery of the    money. Also, please require them to have a method to cancel financial transactions. Please require them also to display their email address and respond w ithin 8 hours. If it is so easy for them to take the consumers ' money online, they should make it easy for their cu stomers to retrieve their money.   To resolve this issue with PNBWEBREMIT.COM, I would like them to give me proof of delivery for each money transfer I have made during the years   XX/XX/XXXX and  XX/XX/XXXX .    Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with PNC Bank N.A. (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I invited my son and his girl friend over to my house for XXXX. He stole 3 of my credit cards which I didnt know were missing. I received a bill from one card and knew it had to be him. I went to his house and demanded it back not knowing that he still had 2 other cards. On XXXX I got another bill and realized he still had my cards so I went and got them back and called the police and reported to them that he stole them. I called the credit card companies and canceled the cards. They said he had authorization because he is a relative.

Company response to consumer: Closed
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX/XXXX/XXXX I received a copy of my credit file and found that there was incorrect information reporting on my Trans Union file. 

XXXX # XXXX {$85.00} I contacted this creditor by telephone on XXXX XXXX XXXX who confirmed to me that the above mentioned account and its balance reporting on my credit file as being verified by Trans Union Credit Bureau was unknown to them. Furthermore, I have been advised by the creditor to dispute the entry with the credit bureau and the creditor will respond as such. 

In XXXX I had previously informed the bureau that this account was unknown, the reply I received from Trans Union was that this account was verified which is contradicting the statement received from the creditor. 
The creditor does not agree with this credit reporting bureau I request assistance by the CFPB in the closure of this dispute by disclosing the FULL validation of this account.

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 04-06-2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: I have a checking account with Citizens Bank. I recently called the bank to ascertain the balance in the account as I did not have online access and forgot the account number. 
Upon being granted online access through the customer service representative, I discovered the account had been debited {$65.00} ( {$10.00} the first month and {$5.00} per month for 12 months after being designated a " DORMANT ACCOUNT ''. While I understand a bank has the leeway to levy such fees, I disputed the fees with the Citizens Bank however because I learned the way they attempted to contact me about the DORMANT ACCOUNT was to send messages for me to the dormant account itself!!! If an account has been dormant, what makes the bank think that the account holder is accessing the account to read messages???? Seems to me if they have the account holders contact information, such as email and phone number, which would have been submitted when the account was opened, then the correct manner to reach said account holder with a designated dormant account would be through some other avenue other than the dorman account itself. The idiocy of their excuse for charging an account holder for a dormant account yet messaging them about the dormant account through the dormant account is beyond stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Recently I mailed the " Annual Credit Report Request Form '' ( found on the CFPB 's website ) to the address on it and requested copies of my XXXX and TransUnion credit reports. I have a pending CFPB complaint about XXXX not providing corrected or timely copies of my report to me. Therefore, this complaint is about TransUnion 's failure to provide me with a copy of my report in response to my request for one as described. I received a non-specific form from somewhere in XXXX ( XXXX again? ) demanding my social security number in order to get my free copy of my Trans Union report. No credit agency is allowed to keep, use, store or provide my social security number to XXXX parties. I have not granted TransUnion this permission and will not, given that its interest in making money off of my personal information is contrary to my interests. Moreover, I have lived at my present address for over a decade and Trans Union has sent copies of my report to this address during this time. Although I supplied my birthdate on the form, as noted in my pending complaint against XXXX, however, it illegally maintains a false birthdate for me and has refused to investigate it, to remove it, or even to reveal the source of it to me so that I can take corrective action. So, possibly, XXXX illegalities concerning my birthdate, may also be preventing me from getting a copy of my credit report from Trans Union. But for whatever, secretive reasons, TransUnion has not provided me with a free copy of my credit report, despite the fact that I requested one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: In XX/XX/XXXX, I responded to a Bank of America offer which promised it would deposit {$100.00} in my checking account if I opened the account before XX/XX/XXXX and made two direct deposits of at least {$250.00} within 90 days of opening the account. 

In reliance on that offer, I opened the account via Bank of America 's website and notified my employer ( the XXXX XXXX XXXX ) to pay me by direct deposit into my Bank of America account. On XX/XX/XXXX, my employer made a direct deposit of {$2100.00}. In XX/XX/XXXX, my employer made a second direct deposit of {$2400.00}. Ive attached a screenshot of my bank account information showing the two direct deposits. 

After waiting nearly two months, I called Bank of America on XX/XX/XXXX and asked why I hadn't received the {$100.00} I was promised. At first, I was told the funds would be deposited on XX/XX/XXXX. The Bank of America representative claimed the offer was conditioned on an initial 90-day verification period, plus another 60 days to receive the {$100.00}, for a total of five months. 
When I told the representative the offer said nothing about a 5-month minimum waiting period to receive the bonus ( the offer said {$100.00} would be deposited within 60 days of the second deposit ), I asked her to send me a written explanation, which she would not provide. She said I could make a claim with Bank of America if I hadn't received the {$100.00} by XX/XX/XXXX. When I told her I would like to make a claim now, she put me on hold for several minutes, then said my direct deposits didn't qualify, so I wouldn't be receiving the {$100.00}. 
When I asked her why, she changed her answer again and said the {$100.00} was only available to customers who made direct deposits every single month. Again, I explained that both direct deposits were from my employer and were paychecks. She just repeated I wasn't eligible for the bonus, contrary to what shed said a few minutes earlier about it being deposited by XX/XX/XXXX. It appears I was punished for wanting to make a claim. 
Including being put on hold five separate times, it took nearly an hour for this futile phone call, in which Bank of America refused to honor, and even tried to retroactively change the terms of, its offer.

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been contacting XXXX XXXX and Experian since XXXX XXXX, XXXX. My information has been compromised as a result of the security breach. I have place fraud alerts on my reports to avoid any more fraud usage on my report. Someone is still using my identity and have been applying for credit under my name and social I have spoken with several employees in regards to this matter and I have been told that there is nothing that can be done to help me. I have sent in Police reports, documents showing that I was incarcerated during the time of most inquiries, a complaint letter from the fcra and there is no resolution, I am continuously being told they have not received my information. I sent all documents by fax, upload, certified mail and they will not help me.

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
Consumer complaint received 02-03-2018 about Debt collection (I do not know) with Fidelity National Information Services, Inc. (FNIS) (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XX/XX/2018 they contacted my previous roommate on his cell phone. I don't know how they get his phone number and who they are.they told him that they are debit collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with Perfection Collection (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: First, I checked my credit score and found that Perfection Collection LLC had placed a collection on my credit. I found out from the company that they purchased my account from another collection agency who settled my account. After speaking to a representative through the BBB, I was informed by Perfection that they never communicated with me by phone or letter, but placed a collection on my account which violated my rights. I never had any signed document with them neither do that have a written document or agreement with me. I am asking assistance to have them remove their name from my credit report ( were my rights have been violated ) and not to place anything or any information pertaining to my name or personal information. Please help with this matter. thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation