milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I am a authorize user on several of my husbands accounts and his accounts appear on my credit report as an authorize user. Beginning in XX/XX/XXXXI noticed everytime a payment was reported on his accounts that Equifax removed me as a authorized user. As a result of this action, my credit Utilization has decreased over {$62000.00} and decreased my credit score with Equifax several points. The other two bureaus ( XXXX and XXXX ) are reporting all authorized user accounts correctly, only Equifax is mishandling these accounts. I called Equifax and after an hour on the phone, they refused to do anything to correct this major issue. My husband called each creditor effected by this error and all 4 companies indicated that they had submitted the information correctly and that nothing had changed on their end and the problem is Equifax. The accounts impacted are : XXXX XXXX XXXX. Credit Limit XXXX XXXX XXXX Credit Limit XXXX XXXX XXXX XXXX Credit Limit XXXX XXXX XXXX Credit Limit XXXX This continued error is impacting my credit score and I 'm very concerned lenders will begin lowering my over all credit due to the drastic reduction of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recieved a credit alert that my synchrony XXXX account was past due on my credit report. This account was on autopay so it should not have gone past due. The last {$28.00} was never deleted from my account. I also never recieved a call or notice that I was past due.

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 12-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: 1. I shopping and compare HELOC product between two banks 2. XXXX XXXX offer XXXX and higher rate and can not compate with XXXX XXXX 3. I inform XXXX XXXX   list as second lien position and reduced loan amount cause I choose XXXX XXXX to be the first lien XXXX with better rate. 
4. XXXX XXXX loan officer aware the XXXX offer {$400000.00} was accepted by me and willing to reduced loan amount and will to accept second lien position. 
4. 4-5 days after closing, XXXX XXXX disapproval closing and accused me to defraud loan and decide to ending and close all bank relationship ( loan and checking account ) Report to credit bureau that I tried to cheat and scheme loan. 
5. I proper disclosure XXXX XXXX to XXXX XXXX loan dept through email and phone, all intake units aware that I used XXXX XXXX as first lien position and bank still disreagrd all fact and prepare me to close loan as they are the first lien position. 
6. due to their neglect & illegal sale stragy, Fraud and claim dept verdict me that I cheat their loan and report to credit bureau I lie on the loan application, My credit score drop from XXXX ... .. and record will stay for 7 years ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I do not understand the balance of my student loan, the amount is more than what was told to me and I an not seeing a decrease with my payments. Also I have been making payments, but I keeping getting late payments reports on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (UT).
Issue: Application, originator, mortgage broker

Complaint: I represent XXXX. 
We have a buyer for a property. 
The sellers have a First and a Second Trust Deed. 
The First loan is in Default and scheduled to sell on the XXXX of XXXX. 
The second loan is missing. We ca n't find it. The Sellers said they have n't made payments on it for years. However, it still shows up in the recorders office and XXXX as active. 
It was assigned in XXXX of 2016 to Costal Financial. 
XXXX has it with XXXX. 
What now? 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loans with Navient with vastly different balances. They will not let me pay separately on each loan when I make my payments. Meaning, I can not pay more for the smaller one to pay it off quicker, which is what i 'd like to do. I 've called them to ask why I 'm unable to designate my payments differently, and they claim it 's because they 've been consolidated. However, when my loans were with XXXX, I was able to do this and the consolidation status did not change. Further, customer service told me that I could pay separately if I were to mail in checks each month along with payment slips, and offered to mail a payment booklet to me. I have not received that booklet, and it 's been several months. 

The balance on my smaller loan is under {$3000.00}, and I 've been paying off it for years now, yet even though I 'm paying extra each month, the amount automatically allocated to this loan is minimal that the balance has barely moved, given that interest is still accruing. 

This has been very frustrating to me. I would like to be able to take charge of how payments to my loans are allocated. 

I attended XXXX XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so XXXX has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY XXXX representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet XXXX makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY XXXX, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN XXXX   XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,

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 12-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I countersued XXXX in state court. I had already vacated the premises due to unihabitable conditions, XXXX rat infestation ) and they wanted rent money and fees for that one month and readying the apartment ( carpet fee etc ) they also kept my deposit. However, the judge stated that I did not owe them any more monies, not for rent, carpet fee, readying the apartment etc. However, XXXX put the debt on my credit report and sold it. I then told the debt collector that I had a case disposition stating that I did not owe. They did not remove the debt from my credit report. I recently faxed over a copy and it was still not taken off my credit report. They insisted that I owed the debt despite a court order stating that I did not. 
The company is Professional Debt XXXX. XXXX XXXX XXXX FL XXXX, XXXX, FL XXXX. The representative is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Mortgage (Other mortgage) with Ditech Financial LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have an ongoing issue with Ditech regarding loan # XXXX. Since their initial response to my loan modification on XX/XX/XXXX, they have assigned me to three of their staffers. The most recent, XXXX has not returned four calls I have placed. I have received a letter from them asking for all new documentation which is totally un-necessary and a further attempt to have me go away. This loan indexes to a 20 year term in several months. They have all the documentation they need except for current bank balances and some rental leases which XXXX claims were not signed but he never advised me which lease. 

I am retired so my income does not change. As a result, I will not be able to afford the payment on this mortgage after the index date. Should they deny me the modification, a strategic foreclosure will be my only option later this year.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Sallie Mae is the loan servicers for a loan I co-signed for my daughter for college education costs. When loan papers were signed information regarding my bank accounts was not required. Now Sallie Mae is requiring that I give my routing and checking numbers JUST TO LOG ON to their site to review my account information even though I do n't pay online. This is not a reasonable requirement and needs to be changed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Consumer Loan (Installment loan) with USA DISCOUNTERS LTD (AE).
Issue: Problems when you are unable to pay

Complaint: I recently submitted a complaint on USA Discounters under case # XXXX. They were to refund me the amount that they garnished my wages. It has been two months and they have not refunded me the money that they garnished from my wages. The amount has totaled {$1200.00}. I am still waiting on them to refund me the money that they said they were along with what was garnished with it which is the total stated above.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (IL).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016, XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 06-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently went in to open a bank account with XXXX bank at the same time I was attempting to rent an apartment. I was taken by surprise when I was denied XXXX. I have been working on rebuilding and establishing good credit for nearly 8 months now. I have managed to get a starter credit card which I use and pay in full and on time each and every month. I also secured a line of credit, adding {$1300.00} to my utilization and having a debt of {$700.00} and an income of {$5000.00} plus Monthly. I have XXXX items in collections for medical bills {$400.00} and a very old credit card that I have disputed tirelessly because I applied for the card, realized they were charging me XXXX fee for a XXXX line of credit and I closed it that very next month. I am now being charged for that fee and refuse to pay as the company was sued that same year for those high fees. That will come of in XXXX anyway but nevertheless was denied removal. I was taken back when I realized that my credit score had dropped nearly XXXX points. This particular score of XXXX came from Experian, I believe when XXXX in XXXX was XXXX and has dropped to the low XXXX and XXXX whom also dropped my score over XXXX points raised it back up to XXXX this week. I have sent numerous letters and have not received much by way of communications. I have contacted an attorney because I feel that they agencies are not doing their due diligence in accurately verifying data as well as managing the livelihood of people fico scores. My daughter and I have been denied a home because of this sudden drop in score, where it should have been increased not decreased. I have a range in scores of a XXXX point difference between all XXXX agencies and I find that very strange as I HAVE NOT HAD ANY CREDIT FOR OVER 6 YEARS. I lived off of cash alone, assuming no debt. The XXXX medical bills and that awful credit card are the only items on all XXXX reports with different dates and amounts as well. I feel this is unfair and inappropriate conduct. In this case the agencies succeeded in keeping a family homeless and ripped to shreds by fear and stress. They must understand the importance of properly upkeeping someones credit history and score as it effects every area of our lives.

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 02-07-2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Rewards

Complaint: I signed up for a new promotional offer from XXXX XXXX XXXX XXXX XXXX ' credit card offered by CITI Bank in the month of XXXX 2015. The promotional offer was for purchasing a new phone from XXXX XXXX XXXX ( Using the link provided ) and then get a refund up to {$650.00} as a statement credit. Below are the details of the offer ( Also available at this link : XXXX Offer details ( Copied form the link above ) : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Spend {$2000.00} in purchases with your XXXX Card within 3 months of account opening. 
Use your card, now or later, to buy a new phone from XXXX XXXX XXXX, at full price and with no annual contract. 
Make your phone purchase using your unique phone offer link ( which will be provided to you ), activate and maintain service with XXXX XXXX XXXX for 15 days. If you buy a new phone now it will count toward the {$2000.00} in qualifying purchases! 
Citi will then credit your XXXX XXXX XXXX XXXX XXXX XXXX account for the cost of the phone up to {$650.00} ( exclusive of taxes, shipping, fees & wireless service ). 
Phone Offer Credit is not available if you have had an XXXX XXXX XXXX XXXX XXXX XXXX account that was opened or closed in the past 18 months. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Now, I made more than {$2000.00} in the first three months and also purchased a new phone using the offer link from XXXX XXXX XXXX. I fulfilled all the required criteria to be eligible to receive the {$650.00} statement credit. But unfortunately I did not receive the {$650.00} statement credit. 

I tried to resolve this issue by calling their customer service many times, but the issue remain unresolved. Initially the customer support executive told me that the credit will be applied to my next statement but the credit was never applied. 

I have all the necessary proofs and I will provide them if required. 
Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Phone rings, they leave NO message. I have caller ID so I know the company that is calling me. It is portfolio recovery. Their phone number is XXXX XXXX. I have not talk to anyone as I do not know who this company is. I have no idea why they 're calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I applied for a Wells Fargo Secured Credit Card on XX/XX/XXXX with the intention to establish a credit history and graduate to an unsecured WF credit card as soon as possible. When I applied for the Wells Fargo Secured Credit Card, neither the Account Agreement nor the Terms and Conditions specified any restrictions on the eligibility for an upgrade to an unsecured WF card. On XX/XX/XXXX, after almost three years with the card and multiple contacts with WF customer service confirming that nothing on the account speaks against an upgrade of the account and asking for more patience, WF still has not upgraded the account. This appears to be due to a clandestine addition of restrictions on upgrade eligibility to the Account Agreement and Terms and Conditions by Wells Fargo without informing customers of these restrictions. Specifically, WF added a clause rendering individuals who are not " U.S. Citizens or Permanent Resident Aliens '' ineligible for upgrades. 

The attached files are the Wells Fargo Secured Credit Card Account Agreement that WF provided to the CFPB which does not include any language on upgrade eligibility, the current Account Agreement provided on WF 's website as of XX/XX/XXXX which does list such restrictions, the Terms and Conditions at time of application for the account ( XX/XX/XXXX ),  and files that document the timing at which upgrade eligibility criteria where added to the Terms and Conditions ( XX/XX/XXXX ) and to the Account Agreement ( XX/XX/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 monetary relief
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EQUIFAX, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: As Class Members of the XXXX XXXX XXXX XXXX XXXX XXXX, my wife XXXX XXXX XXXX and I do not owe any of the debts on our credit report save our first mortgage lien, XXXX auto loan and Federal student loans. Furthermore, I have an attached XXXXPD ID Theft Report ( # XXXX ) which further absolves me of any debts assumed to be accrued by with me with the exception of the ones listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. My personal information was stolen and were opened XXXX fraudulent accounts under my name. They are : XXXX XXXX XXXX ( account no : XXXX and XXXX XXXX Bank ( account no : XXXX ). I filed a police report at XXXX XXXX Police Department on XXXX XXXX, 2016 ( Report No : XXXX ) and submitted this identity theft report to the credit reporting agencies and the banks. The credit reporting agencies blocked and removed these XXXX fraudulent accounts. But recently, Experian credit reporting agency reinserted XXXX XXXX XXXX and XXXX XXXX Bank accounts back to my credit report. I called to Experian but Experian credit reporting agency denied my dispute explaining that they could not block again reinserted fraudulent account. Please help me to resolve this problem and remove this XXXX fraudulent accounts from my credit report.

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 07-09-2015 about Debt collection (Credit card) with CL HOLDINGS LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have reviewed my credit file and have been turn down for credit due to Jefferson Capital listing me as still having active revolving line of credit with them. This item does show as XXXX balance however it does show as an active line of credit which is incorrect. I was told by XXXX Representative at the company on XX/XX/XXXX that a request to delete my information was placed to all XXXX credit reports. I still see this item listed and have been turned down for credit due to this situation. I spoke with XXXX from consumer relations department at Jefferson Capital who researched and stated that this item should have been deleted XX/XX/XXXX and stated that it was deleted however it still showed listed on my credit report. I would like full resolution on this matter I am a single mother working very hard to clean up my credit. I have paid XXXX of dollars to do so by filing chapter XXXX and have been discharged and I am very confused as to why this is still showing on my credit file and has prevented me from obtaining certain credit needed for my family. I have learned that this credit stared from XXXX credit card and was given to Jefferson Capital to act as their collection agency. When XXXX gave my information over to Jefferson Capital I was in an active chapter XXXX case. So this was incorrect reporting from the start. Because I lacked maturity and did not have the education and tools I have now I was not able to confront this situation. I would like your assistance with resolving this matter please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief