milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Any accounts I 've had with XXXX were paid in full and closed prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal yet Experian continuously allows. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( 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 non-monetary relief
Consumer complaint received 08-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: APR or interest rate

Complaint: On Sunday, XX/XX/XXXX I received a electronic notice from XXXX - a money management software program, that my American Express Credit Card APR interest rate went up by 15.00 % without any warning or notice and without cause. I have had low 10.25 % APR on purchases for many many years without any issues and now I am slammed with a 25.24 % purchase APR without any reason. I have a clean credit history, no late payment, and very high credit scores! I have been with American Express since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX OpenACCOUNT INFORMATION DISPUTED BY CONSUMERClosed by GrantorDisputed by ConsumerCOLLECTIONI have disputed this account because it not my account and still has not been removed from my account and it has been over 3 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax still refuses to take off my Oregon State Tax Lien that has been deleted from record. 
They say it says released but do n't get to the part where it says extinguished. I contacted Attorney General XXXX XXXX and told her of this issue. She told me to give this XXXX more try before she has to step in. I sent the file to XXXX XXXX and she told me yes it extinguished means it has been deleted from record. I have gotten the same answer from the court house several times. XXXX XXXX said it should n't be on my credit reports like the court house told me several times. XXXX XXXX told me the same thing, that Oregon State is n't a data furnisher and that they do n't provide information to the credit bureaus. Experian and Transunion have already deleted this off my credit reports and told me that they had to because it does n't exist anymore. I want this resolved this time because this is getting tiring. If I have to take this farther, I will do so. My outcome is to have this Tax Lien deleted off my credit report and for me to be done with this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: WF CRD SVC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WF CRD SVC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WF CRD SVC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 09-06-2015 about Consumer Loan (Installment loan) with Conn's, Inc. (NV).
Issue: Managing the loan or lease

Complaint: I purchased 'FurnitureGard Comprehensive Plan '' to cover a sofa and love seat I brought from Conn XXXX XXXX XXXX Appliance. I was told that'everything '' was covered. I have submitted a claim twice and been told that they will not fix the issue ( stuffing coming through the fabric ). I requested arbitration and have been ignored by the company twice. The contract states that I must simply request arbitration. When I called the clerk stated that I must begin the arbitration, which I can not do without an attorney and it is not what the contract states. I am requesting help getting the company to start arbitration as the contract states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: problems with properly maintain my  credit score and wrong information with bills under my name

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 08/28/2017 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (GA).
Issue: Trouble during payment process

Complaint: HomeBridge Financial Services , Inc . 

Loan # XXXX my principal is {$710.00}, payment {$1000.00} with Escrow {$330.00} per year sinceXX/XX/XXXX when I refinance and pay over {$3000.00} in Escrow in total over {$6000.00} Escrow insurance {$660.00} tax {$2400.00} total {$3000.00} {$330.00} x XXXX = {$3900.00} now {$400.00} X XXXX = {$4900.00} home bridge inXX/XX/XXXX have increased my monthly payment by {$78.00} with out letting me know I have to pay {$400.00} per month XXXX {$4900.00} per year to cover my tax and insurance wish cast me {$3000.00} Home Bridge company is not acting in my best interest. I should not be forced to over pay every month to keep a roof over my head

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Credit decision / Underwriting

Complaint: To Whom it May concern, XX/XX/2016 I applied for a Mortgage Loan with Regions Bank. I was pre-approved and permitted to house hunt. I was pre-approved after submitting all the usual documentations : bank statements, tax returns, pay stubs and so forth. A month later I found a property and submitted further documentations since it was a condo. I then received a commitment letter from my Bank. I was then set to close XX/XX/2016. 

On XX/XX/2016, thinking I will be closing, my bank finally contacts me stating they need bank statements since they never received them. This makes me question the following : How did I get pre-approved without that, is n't that bad Financial practice? Did they lose my documentations which has severe personal information, is n't this also bad financial practice? With this said I then had to drive 1.5 hours to XXXX XXXX, XXXX to hand deliver this bank statement instead of email or fax because I no longer have trust in Regions bank and its team. 

My closing date was then pushed back to XX/XX/XXXX. Due to other issues of documentations it was then pushed back again to XX/XX/XXXX. Now, the bank wants further documentation and letter of explanation which was never expressed before my initial closing date. I am two weeks behind closing and losing significant money due to this delay. 

This process, with this Regions team, is incredibly unprofessional and all aspects. Workers involved in my loan are uninformed and do not know when to admit they are at fault or even how to communicate thoroughly with their client ; me. On top of that I now fear my personal information is being exposed and that Regions Banks practices bad financial services that is detrimental to its potential clients like myself. 

Throughout this process I have had the most horrific experience working with XXXX XXXX whom is the Senior Mortgage Loan Officer who has '30 years of mortgage experience '. Completely unprofessional, never informed of the status of my loan application, and has delayed the process by losing or falsely claiming to receive documentations. All while approving and continuing the loan application. This entire process, delays, lost files, starting the loan process after closing date, approving loans without documentations is horrible and the worst financial practice at its best. I have emails stating when documentations were submitted, and when they were received since I was given approvals and commitments. Yet, I am still being asked for documentations that were previously submitted months ago.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax improperly protected my credit information from unauthorized users. The solution they are offering is 90 days of credit monitoring which is preposterous as this information is in the hands of hackers and thieves and can be used at any time during or even after my life time. This is incredibly frightening to me. When a company values protection and privacy this little they have to be made to protect they people that are effected.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Rewards

Complaint: Bank of America has offered an XXXX Rewards XXXX for many years. We had accrued many XXXX dollars worth of points that we typically redeem near XXXX time to purchase restaurant pre-pay cards that we use as gifts. I learned today when I went to their web site that Bank of America unilaterally cancelled the program and eliminated my points. They also failed to provide information on how many points they took from me so I do n't have a total value. When I contacted them, they said they had mailed me notices, but I do not recall receiving that mail. They contend that since they told me the theft was going to occur in advance, that the theft was legitimate. I received nothing of value for the points I had accrued in return for their decision to cancel the program. I consider this fraud and an act of bad faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX, My name is XXXX XXXX XXXX, and I had an account with XXXX XXXX who then reassigned me to Navient. During my time with XXXX XXXX I was told to go into forbearance, instead of income based repayment.I was also not disclosed the long term effect of doign what they suggested. I was then in forbearance with XXXX XXXX and Navient. I have been able to make payment, however I notice that I would only need to pay every other month. I found this concerning and placed a phone call XX/XX/2016. I was told it was glitch in their system and not to worry that my payment was not due for another month. This happen over the course of last years. Also, review the amount I am paying interested is outstanding. At, this point I am concerned with the way my account is being handle and how my payment are I applied. 



XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (I do not know) with Schreiber Cohen, LLC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2017 I received a letter from Schreiber/Cohen, LLC which I will attach. This letter is a notice of a debt collection for their client, XXXX XXXX, XXXX. The original creditor being XXXX , XXXX . 
I have never in my life even heard of XXXX XXXX. I have never in my life acquired debt from XXXX. 
I went online and read the long history of problems and deceitful practices by both Schreiber/Cohen,  LLC and XXXX XXXX. 

I think it is disgusting that this can happen to someone. I am in the process of going through a mortgage and if anything happens to disrupt this process I do n't know what I will do. I am SO upset about this. 

I had a recent problem with XXXX XXXX and their reporting of a debt, and the CFPB really helped me a lot. XXXX ultimately admitted the error and I would have never been able to do that on my own ... I tried, having spent hours on the phone. 

I am frankly fearful to even call this Schreiber/Cohen, LLC company after reading the stories about them online. I work full-time as a single parent and am in the midst of moving and I do n't have time to do what I did with XXXX. 
I responded in writing to Schreiber/Cohen within the 30 days they state that I need to do before the debt is then assumed to be " valid '' ... .seriously?? 

Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Credit decision / Underwriting

Complaint: I submitted a home loan modification for the XXXX time to Chase Bank. I am XXXX military. I currently reside in the home now. I didnt somehow qualifiy for a the loan modification, and I provided all the documentation for the homeloan modification. I can afford the mortage payments but at a reduced rate. Since Chase Bank has decided to dissapprove my loan modification I will file bankruptcy, and in addition I will file a law suit against them as well for damages. I provided documentation in my loan modification stating my hardship. I asked for the audit report from Chase Bank and the orginal loan documents for the property stated at XXXX XXXX XXXX XXXX XXXX, Co XXXX. I have yet to get any paperwork for my house. The Chase bank wont except my checks even though the property is under my control. I have been foreclosed on once as XXXX military and I have had been force out recently by the XXXX and court appointed reciever. Chase bank will not allow me to use the equity in the house to catch up on my current expenses so I can have a lower payment as well. I want the occ bank regulators and the federal government to look into the XXXX program for Chase Bank. I will no longer talk to Chase Bank and at this time I will pursue bankruptcy proceedings and file a law suit against Chase Bank. Until I recieve an audit report from Chase in reguards to the home loan modifcation I dont want to talk to anyone. Lets just get media attention for this and in addition I will file a congressional hearing with the department of justice for violations of the SCRA because I am not suppossed to be forced out of my home for any reason. So since I made a complaint to Chase bank my home loan modification was denied and the bank does not want to provide me the documentation I previously asked so therefore Chase Bank has no proof they own my home. So I am requesting that the federal government and XXXX look into my request in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Can't contact lender

Complaint: I 'm not sure I selected the correct option, but I would like help in solving the following problem. On XXXX XXXX, 2015, I received an alert from the XXXX credit monitoring service I subscribe to. The notice stated that I had a new hard inquiry on my credit report. I immediately contacted XXXX to dispute the error. The representative I spoke with stated that I needed to contact the creditor Cash Central and that they would need to contact XXXX. When I contacted Cash Central, I was told that I did not have a loan with them, or submit an application, but that a third party provided my information to them. Cash Central put in a request for someone to contact me. During the phone call I explained that I did apply for a loan from Cash Central nor did I give permission for my credit to be pulled. I advised that XXXX has the credit inquiry listed as a hard inquiry on my credit and that I would like it corrected. 

On XXXX/XXXX/15 I received the following email response : Dear XXXX XXXX, We are in receipt of your dispute regarding a credit inquiry by Cash Central. Cash Central was forwarded your application information for a loan from a Lead Provider. The application was declined and no loans have been requested in your name. 

Under the terms of the Fair Credit Reporting Act, Cash Central can obtain credit report information regarding customers when ( 1 ) the credit report information was pulled in connection with a credit transaction involving the customer and a request for an extension of credit, and ( 2 ) Cash Central otherwise had a legitimate business need for the information. 

Your application was forwarded to us in a manner that permits us to take the steps needed to complete verification of the applicant, including, by way of example, referring to databases containing consumer information and pulling credit reports. 

If you would like further information on the lead provider in which Cash Central obtained your information, please contact me directly. 

Sincerely, XXXX XXXX Cash Central XXXX XXXXXXXXXXXX I then sent the following response : Good Evening XXXX XXXX, Thanks so much for the quick response, but I 'm not sure I fully understand the response. XXXX listed Cash Central as a hard inquiry on my credit report, but I did not apply for credit from Cash Central or any other company on Saturday, XXXX XXXX. Nor did I give permission for my credit to be pulled by Cash Central and XXXX will not remove the inquiry from my credit report until your company provides me with a letter, or contacts them. Please help!! 

In addition, what is the name of the lead provider as I would like to contact them as well. 

Thanks in advance for your response, XXXX XXXX Please help!! Is Cash Central able to pull a hard inquiry of my credit report without my permission. I am in the process of rebuilding my credit and do not wish to have my credit pulled without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (TN).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I am being accused of owing a car loan in the amount of {$17000.00} with Kia Motor Finance that I am not aware of! This has happen to me before where someone had gotten a vehicle in my name. I have been a victim of identity theft since 2004. This account was fraudulently open in my name. Now there is a repossession on my credit which is causing so much damage on my credit. I have tried to dispute this issue for months and this is still hindering my credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX XXXX, 2017 I tried to get all 3 of my credit reports at XXXX. It only gave me one report even after I tried four times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.

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 01-03-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: Received a credit card statement which indicates an increase to the credit card balance due to applied interest, despite a timely payment made for the prior credit card statement. No charges have been made on the card, as the card has been closed for over a year. Additionally, a prior payment should result in a slight decrease to the remaining balance due. I have suspected for some time that this credit card company is engaging in fraudulent practices to prevent consumers from reducing and eventually paying off their credit card balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation