milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I originally sent a dispute letter dated XXXX/XXXX/15 to Trans Union. I then received a reply from them dated XXXX/XXXX/15 thinking that my dispute letter did not come from me and now they want a power of attorney. I even attached a copy of my driver 's license with my dispute letter and a copy of a utility bill. How are they determining that this information is not sent by me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: With my MasterCard Gold Card under Barclays Bank, I am having issue with them not giving me my SCRA benefits under PA State law Title 51. Under Federal Law I do not qualify since my active duty start date is before I open the account. But under Title 51 of PA state Law, It requires that all banks who do operate in PA follow not only federal law but state as well. I know I have these benefits  because XXXX XXXX gives me these benefits because of my residence to PA and not my XXXX XXXX start date. I opened the account in XX/XX/XXXX time frame and sent the Law to Barclays where the continued to deny my benefits back in 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 explanation
Consumer complaint received 04-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am having problems with my credit score. For some reason on XX/XX/XXXX my credit score was in the 600 's,  the next day it is XXXX. I don't know what happened. I need some answers to why my credit score dropped so low.

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 08-05-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We just received a dismissal of bankruptcy in XXXX of this year. The next month we recived a call from Select Portfolio stating that our mortgage payment was late. I called to find out what the problem was and was told that every payment we had made with them fro the past year ( they took over the loan from XXXX XXXX XXXX, 2013 ) was late. I stated that we were current with our loan, and have subsequently spoken with them XXXX more times and told to get a payment history, and they just have the same answer every time. 
We did recive a letter from XXXX in XXXX of 2014 stating we has a late payment at some time in the previous 12 months. I called the number provided but they would not talk to me about it because we were in bankruptcy. We also were getting the " pay for performance '' incentive until XXXX XXXX.

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 08/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NM).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a letter from debt collector about a bill that is from 2011 believe the statue of limitation has expired on this debt. But all want to see what this debt is showing never has a {$1700.00} debt with any cell phone company. Send record of debt from company XXXX XXXX Will be check with Attorney General on Statue of Limitation on Cell Phone debts! per information from CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XX/XX/XXXX I sent a letter to XXXX XXXX ( XXXX ), XXXX  and XXXX XXXX XXXX XXXX asking them to close my accounts and list as " Closed at consumer 's request '' on my credit line as I am working with XXXX XXXX XXXX to lower payments and be debt free. My credit reports show that I am delinquent 2 months. I have never been delinquent on a payment. I was not delinquent prior to working with XXXX XXXX XXXX. I also received a collection notice from XXXX XXXX for being delinquent after sending the letters. I had a card with XXXX XXXX ( XXXX ) since XXXX and was never late. I have XXXX XXXX also with XXXX XXXX and they recently cut my credit due to XXXX. I received an approval loan in the mail from XXXX XXXX XXXX in XXXX XXXX Pa. which was preapproved. When I inquired about it I was told I could not get a loan because my credit report listed I was delinquent. My husband called them and was told that XXXX XXXX XXXX does things different. XXXX XXXX also stated they did everything legal when they lowered my credit line without warning. The bottom line is there is negative information on my credit reports that I ca n't see but financial institutions can which they are using against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2015 about Payday loan () with CNG FINANCIAL CORPORATION (VA).
Issue: Payment to acct not credited

Complaint: I have paid for a pay day loan XXXX and now am being sued claiming I did not pay for the loan. I have been called XXXX times regarding this same loan that I have paid and now XXXX Mediation has made a claim that I still owe {$400.00} and if am sued in court they are seeking {$2900.00}. They do not care that I have letters that claim I have paid for this loan

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This complaint is to inform you that I recently received a copy of my Credit Report and after review I found an item that is inaccurate. The unverified account in question is listed below. Please send me original documentation that you have in your files as of this date that you used to verify the accuracy of the account listed below. Under the Fair Credit Reporting Act, 15 USC 1681, I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit file. If you do not have any documentation in your files to verify the accuracy of this disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report you are damaging my credit worthiness. Please provide verifiable original documentation within 30 days. If you are unable to do so please remove said item from my credit report immediately. XXXX XXXX XXXX Acct # XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with Midwest Loan Services, Inc. (PA).
Issue: Credit decision / Underwriting

Complaint: We are trying to get a refinanced mortgage, our rate is currently 5.25 % with XXXX XXXX. In the beginning of XX/XX/XXXX, XXXX XXXX from XXXX called us to see if we wanted a lower rate. We decided to check with other banks. Midwest Loan Services had our other mortgage prior to this house, so we called them.We talked to XXXX XXXX and went through the entire process, locked in rate of 3.125 % on XX/XX/XXXX. We received updated rate lock & good faith estimate on XX/XX/XXXX. On XX/XX/XXXX we received Approval with conditions form. On XX/XX/XXXX we were notified via email by Midwest that the Completed Appraisal report was received. On the same day we also received an updated GFE & truth in lending report. On XX/XX/XXXX we received an email stating that the property was not acceptable as collateral per XXXX guidelines as it is a manufactured home. Back in XXXX when we first started this process, we check with someone at Midwest in the department that handles manufactured homes and what is needed for it to be considered eligible property and we had everything that they stated and what is written in their website. 
Since this has happened the rates have risen a lot and that means $ XXXX of dollars and extra years of mortgage payments. We do n't fall under the HARP or other home preservation program that we are aware of because it was built in XX/XX/XXXX. 
My main issue is that Midwest stated on both their website and on the phone that they service manufactured homes yet after the entire process they inform us that they do not give mortgages for manufactured homes. We would n't have wasted XXXX months and all the hours of paperwork if we would have known this in the first place. We would have just refinanced with XXXX XXXX. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am consistently encountering website errors, extremely slow page load times, and unsecure connection warnings from different browsers when attempting to make online payments towards my XXXX loan. Slow page loading prevents me from being able to manage my loan online or access the online payment center, even after returning to a loading page over an hour later. My internet connection is working and all my browsers ( XXXX ) open up other student loan websites, like XXXX XXXX XXXX, just fine. I do not want my payments being made over the phone or via mail so a working website is absolutely critical. I would like to attach a few screenshots of tonight 's payment attempt. Hopefully, you can get this New Jersey company to work on their poorly run website because customer service seems to be unreachable via phone. How does one expect to receive timely payments and high customer satisfaction from borrowers with these sort of problems?

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I was involved in a fraud scam. In XX/XX/XXXX of last year, I set up a payment plan with this company for my student loans to be paid off in the next 10 years if I pay this amount for 10 years. I had no idea that they were taking the money and pocketed it. I just want my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Bank account or service (Savings account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Citi bank saving account prior to XX/XX/2016 ( during the promotion period and applied with promo code ) and transferred the required fund on XX/XX/2016 ( within 30 days of after account opening ). I was supposed to receive {$400.00} bonus for opening a saving account provided that I maintain a $ XXXX balance for 90 days with initial $ XXXX new money. However, after 90 days ( since the transfer ), I still have n't received the bonus. I did some research online and found many people who signed up for Citi bank promotion did not receive the bonus either.

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 09/15/2015 about Debt collection (Credit card) with DISCOVER BANK (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This law firm never served me with summons before court date in order to receive summary judgement. They are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (I do not know) with CCS Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have no idea who XXXX XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX, that authorizes y
our company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

XXXX XXXX has violated the Gramm Leach Bliley Act Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting  agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Medical) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt and I would like to have it removed as it is reporting to the credit bureau as an open account and negatively affecting 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 06/17/2017 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: Information is missing that should be on the report

Complaint: I am a client of XXXX XXXX, where are my points. I make sure to pay my try my hardest to keep a close eye on my payments. My credit score has only gone up XXXX point with Trans Union. Can someone explain to me why I have two accounts XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Account opening, closing, or management

Complaint: Capital One Bank improperly reversed {$6400.00} in provisional credits by administrative fiat without any investigations and closed my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Student loan (Non-federal student loan) with Dream Center Education Holdings (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended South University XXXX Campus in XXXX where I was approved for XXXX XXXX and sub and unsub loans for South University ; as well as out of pocket expense for tuition. I was set up for a payment plan for my out of pocket expense that would be debited out of my checking account which i had to pay monthly. I tried to get the payments as low as possible being that I am a single mother with a child and i did not have a good paying job to make such big payments, the lowest that they could make my payments were XXXX which was still a bit much for me being that i was only making XXXX/hr working less than XXXX hours a week. In the year of XXXX my child was diagnosed with a XXXX and was deemed XXXX and that was a life changing event in my life that was very challenging to make sure i could find all the resources to help my child with his XXXX. i tried my bbest to make sure i was able to attend school but it was hard with all that was going on with my child which cause me to miss out on my education and had to withdraw from my classes. In the XX/XX/XXXX my father had a XXXX and i had to fly to XXXX to take care of him being I am the only child that my father has. I noticed the school of this matter being that it was the week of exams and that i needed to drop out of my classes. After my father was getting back to good health I tried to registered back to South University with all these life changing events, The Dean of South University stated that I would need to submit documentation in regards to this matter because South University was going to dismiss me from the school. I put in an appeal and provided all the required documentation that was asked from me and The Dean of South University denied my reentry back into the school and stated that I could put in another appeal in a year to see if the school to accept me back in. I was left with a balance of XXXX and the school was paid with my loans and XXXX the whole time i attended the school. I am unable to attend any school without being able to provide my official transcripts and it has been hard for my to further my education. I 'm unable to further my success with being in school or to get a better job without a degree. I feel that the whole situation is unfair because i provided what i needed to get back in school and I had valid documentation but still was denied my success to further my education plus left with a balance that i should not have to pay being that I was dismissed from the school and the school was paid by The Department of Education. Can you please assist me with this concern to help me further my education to get back in school?

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 11/14/2017 about Checking or savings account (Checking account) with PENTAGON FEDERAL CREDIT UNION (MD).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I am a 19 year member of Pentagon Federal Credit Union ( PENFED ). Some time during the month of XXXX, I unknowingly discovered that my checking account was closed due to a fraudulent check that had been deposited into my account. Since that time, I have repeatedly asked/questioned this ( alleged ) check that was deposited into my account to no avail. Instead, I have repeated accusations hurled at me that I deposited the check via mobile deposit ( which I do n't have and have never used ) and then visiting an ATM machine to withdraw the monies from the fraudulent check. Here again, I NEVER did the acts that I am repeatedly been accused of. If this were n't enough, and to add further insult to injury, I am homeless ( since XXXX/XXXX/XXXX ) for which PENFED has full knowledge of. Yet, in another failed attempt to resolve the matter at hand-including an issue with an Overdraft that PENFED overdrafted and now hold me accountable, XXXX was able to retrieve the check in question. Based on the information he provided, the memo section of the check had 'insurance ' and the signature did not match mine. Hence, I am expecting this matter to move forward into being resolved. Unbeknownst to me, XXXX consults another individual named, XXXX whom he puts on the line and not divulging that he too was still on the line. XXXX, hurled accusations at me including 'you gave your login information to an individual who approached you wanting to make a deal, etc and then you immediately withdrew {$340.00} two days after the check was deposited. ' I was totally infuriated by the slanderous accusations ; but my words or rebuttal of these heinous acts fell on deaf ears. I did not commit any of these acts. What funds were withdrawn from my account represented a direct deposit of earnings from XXXX/XXXX ( XXXX XXXX ) but this was repeatedly overlooked. After an intense heated argument with both XXXX and XXXX, XXXX ultimately said they would not investigate as fraud because I was 'suspicious ' because of the withdrawal of funds. Yet, he acknowledged several deposits and withdrawals from XXXX/XXXX ; but refused to acknowledged the one that I raised. Instead, have me guilty of withdrawing funds from my account after ( allegedly ) depositing a fraudulent check into my account. Then XXXX going to tell me he would mail the statement to me after already being aware that I am homeless. Yet, claims this was n't in the notes. Another person, XXXX XXXX, whom I spoke to previously, scolded/chastised me by giving me an impromptu lesson on Identity Theft. I was deeply offended and insulted. Yet, he claimed he wanted to help. XXXX XXXX also was equally as offensive. This matter has been ongoing since XXXX and has grown worse. Despite wanting an amicable resolution to the problem, we are clearly at an impasse.

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