milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX17 I went to the Equifax site that was supposed to show you whether or not your account had been hacked after their announcement. I paid the {$10.00} each for my wife and I to freeze our accounts on Equifax, XXXX  and XXXX. However, I found out that the website given by Equifax, would note that your account was probably one of those taken in the hack, no matter what name or number that you inserted. This site noted by Equifax was basically a lie. 
I believe that the Equifax security breach is the biggest con ever pulled on the American people. If you review the facts, Equifax says that about half, or XXXX million accounts were hacked. Then they lied about the website that they set up for you to see if yours was one of the accounts. You can put in any name and any number, and they say that yours was probably one of the ones hacked. THEN they charge you {$10.00} to freeze your account. Just suppose that the breach did n't happen, and at least 100 million of the accounts is frozen by card owners, at {$10.00} each. Equifax would have to do absolutely nothing, and they would put {$1.00} billion profit in their coffers. The other 2 agencies would say nothing, even if they suspected, because they charge {$10.00} each to freeze your account in their system also -- -- -and bingo,  they also would profit by at least {$1.00} billion.  Whomever has jurisdiction over these agencies needs to verify, absolutely, that the breach occurred, or this could be the greatest con ever attempted on the American people.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On my XXXX credit bureau report, there is a " hard '' inquiry listed by SEARS/CNBA that is outdated. 

I have contacted both XXXX  and Sears/CNBA in writing to have this old inquiry deleted from my credit report, to no avail. 

The FCRA ( Fair Credit Reporting Act ), passed by Congress, dictates that any inquiries on a consumer 's credit report that are outdated, must be deleted from his/her 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 explanation
Consumer complaint received 12/30/2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to obtain my annual free credit report. I was unable to do so. It looks like my credit has been stolen!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I received an alert from XXXX XXXX about an inquiry and I thought it had to be a mistake because I have a fraud alert on my credit report. This was around the time of XXXX XXXX, which hit Florida. Then I received a letter from XXXX XXXX saying I was denied for a card but I never applied for a card. Also, anytime that credit is applied for, I am supposed to be contacted at the number on my credit report and no one called me. I see that they pulled my XXXX credit report which matched the credit pull alert that I received from XXXX XXXX. I just opened a credit card and had no need to open another and when I applied, this company called to verify it was me applying, which Sears did not. If they would have they would have been aware, I did not apply. The document had a reference number 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 11/28/2017 about Mortgage (Other type of mortgage) with M&T BANK CORPORATION (WA).
Issue: Struggling to pay mortgage

Complaint: I contacted the mortgage company approximately 2 months ago requesting assistance with paying my mortgage, since I had recently become unemployed. I provided all the requested information on XX/XX/XXXX 
They requested proof of being on unemployment, which was provided. They then requested the same information two or three times, extending the process. I was informed that in order to be approved, the mortgage had to be in current standing. So, I have really struggled to keep the mortgage current while awaiting the approval for assistance. 
I received a letter finally on XX/XX/XXXX. It stated that M & T Bank had received the additional information which was requested in order to complete the Loss Mitigation application. They stated they were in the process of reviewing the documents to determine if I qualified. 
I made a call into M & T this afternoon just to check that they had all the documents they had requested, and was informed that they had denied my application due to the fact that I did n't have a job. Well, yes, THAT was the REASON I was asking for assistance. They have offered no other options. I am at a point where I can not pay next month 's mortgage, which puts me in fear of not qualifying for assistance once I send in a request for review of the denial. 
I am flabbergasted that the programs designed to assist the homeowners when the times are temporarily difficult, would be unavailable due to the lack of income. If I HAD my job, I would not be asking for 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 explanation
Consumer complaint received 05/18/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CREDIT CARD WAS PAID OFF. 
THEY SHOULD PROVIDE STATEMENT TO JUSTIFY THEIR CLAIM.

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 08-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I had to change from income based to a graduated plan. I did it through XXXX XXXX and was told by them I was on forbearance til XX/XX/XXXX and my payments would start at XXXX and eventually go up every two years. While looking at my account on navient it now states that I must pay XXXX a month. When I called them they said they had no record of me being in forbearance and refused to tell my why I now owe XXXX a month instead of XXXX. It 's not that big of a deal but I love paycheck to paycheck and I think that the absolute disreguard they show is ridiculous. No wonder people go into default. If you can, DO NOT use them as your providers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Consumer Loan (Vehicle loan) with CarMax, Inc. (GA).
Issue: Managing the loan or lease

Complaint: I have a car loan through CarMax Auto Finance and submitted 'Principle Payment Only ' payments to them in XX/XX/XXXX and XX/XX/XXXX. The first payment was in the amount of {$2100.00} and the second one was in the amount of {$1200.00}. Each time the finance company deducted interest from the payment instead of applying the complete amount to the principle. Multiple calls had to be made to have them correct the issue. The customer service agents seemed unconcerned and unaware of the gravity of the error. CarMax Auto Finance had stated several times that I needed to contact them after the payments were made to let them know that the payment was on the principle, so they could apply the amount correctly. Each check had 'Principle Payment Only ' clearly written on it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Struggling to pay mortgage

Complaint: This complaint concern XXXX XXXX XXXX XXXX and Ocwen Loan Servicing failure to approve me a loan modification from XX/XX/XXXX.My loan was backed by the Department of Veterans Affairs and neither bank tried to help be keep my home even though the President allocated monies to help veterans. I first applied for a loan modification on XX/XX/XXXX with XXXX. XXXX denied HAMP due to origination dafter after XXXX/XXXX/XXXX and because they were looking for another solution. Since I was denied loan modification, I had to file chapter XXXX bankruptcy on XX/XX/XXXX on to keep XXXX from Foreclosing. I received a foreclosure from letter from XXXX XXXX XXXX, XXXX days after I filed for bankruptcy. XXXX and XXXX XXXX XXXX were unaware that filed. I was told to disregard letter from XXXX XXXX XXXX. While actively in bankruptcy, I continued to apply for loan modifications, and each time ( XXXX, XXXX, XXXX, XXXX ) I was denied. I kept them from foreclosing by exposing them on XXXX. Finally, I was approved for XXXX in XX/XX/XXXX. I paid Ocwen about {$10000.00} to bring account current. Through this ordeal my mental and physical health failed me. They wanted me to be homeless but I fought them to the end. I was placed on administrative XX/XX/XXXX and my gross pay was {$4200.00}, but net pay was about {$2600.00}. I could pay mortgage, utilities, and buy food. I chose to pay utilities and buy food because I was still behind on mortgage payments. I was relentless because my daughter and I would have no place to go, and more than likely I would not be able to get an apartment because of bad credit. It was terrifying to live everyday with the possibility of being forced out of your home even you sought assistance and assistance was there but not for me, a veteran. I was discharged from bankruptcy on XX/XX/XXXX, but I still could n't pay mortgage until XXXX XXXX. XX/XX/XXXX, I received my first XXXX check from the XXXX XXXX of Alabama in the amount of {$2000.00}. {$1400.00} was deposited in my checking account because {$130.00} went to taxes, {$440.00} went to XXXX XXXX XXXX ( single coverage ), and {$11.00} for XXXX dues. I definitely could n't pay mortgage, utilities, and buy food. Once again, I paid utilities and bought food. I applied another loan modification because I lost 50 % of my income. Again, I was denied. From XX/XX/XXXX - XX/XX/XXXX, my daughter and I lived off {$1400.00}. I suffer from XXXX, XXXX XXXX XXXX, and XXXX I am filing a complaint now is because I read an article on the Internet that Ocwen has to pay back billions for underhanded things and foreclosed on people homes. I could have easily been on of them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until XXXX 's update my credit report or send the letter so I can provide that to my lender for a Rapid rescore. 
I 've also disputed this account, after the account was settled XXXX 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called XXXX 's more than 4 times a week for the last 6 weeks with no resolution.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I am a victim of identity theft and fraud it shows that I am a policy holder for car insurance from XXXX for two vehicles which one was financed through JPMorgan and chase corporation and this same vehicle was bought at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX,Ma it is a XXXX XXXX XXXX XXXX XXXX which I DON'T own the other vehicle is a XXXX XXXX XXXX XXXX XXXX  plate number XXXX I tried to call Chase corporation last week as well as XXXX and the car dealership as well as the XXXX Massachusetts RMV where there cars are registered and have gotten no where and which these cars and the loans show up on my credit report as well as my information shows up on XXXX as myself for the policy holder as well as student loans and mortgages show up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have previously raised XXXX complaints and despite thing the last XXXX had been resolved the Company still have not sorted out the problem. The previous cases are below. I received a letter from Bay View dated XXXX XXXX XXXX advising that I would have a resolution by XXXX XXXX XXXX but it is still going on. I am able to send emails of all of the messages I have sent the company but they just will not respond to me. 
XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I am unemployed and a single Mother. The debt is over 5 years old, they have seized my checking account and declined a settlement that I offered. Child support funds were in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been dealing with some issues with Navient for years now and have gotten no where. My initial problem is that there are XXXX loans on my acct that were dispersed after I graduated from college and the school has no record of them being dispersed. I have been disputing them with XXXX/Navient for years trying to get answer and they are not being helpful with providing me proof of the loans going to me. 
While looking over all the fine print and payments I have made on my acct I have discovered that since XXXX 2006, when I started to repay my loans my total balance was XXXX ( that includes XXXX dollars in loans I am disputing ) I have paid since XXXX 2006, putting them into forebarance 2 times and paying the fee upfront for that ... I have made a total of XXXX $ in payments but my total loan balance has decreased by only XXXX $ which means over XXXX has gone to interest on loans that have a 3 % interest rate. 
I am not a finance person but how can that be????? I have called Navient Consumer advocate lines and they have not returned my call or have had someone call me and tell me they would get back to me and they do not. Navient is not cooperating with this inquiry and I am sick to think that I have paid that much money over that last 10 yrs and my loans have not budged and add to that the fact that I am paying on XXXX loans I have no proof were distributed. I just want some answers and trying to deal directly with Navient is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (I do not know) with Omega RMS, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I applied for housing to relocate with my mother who is XXXX. We were denied based on a debt listed on my account that is not mine. My report lists the following : The Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Original Creditor XXXX Stores Online {$3900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Credit card debt) with National Enterprise Systems, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX-17 XXXX XXXX called my place of work to contact me, and then tries to get information from me for my bank acct, to draw money from bank account. Then also wanting other personal information. Told them I need to go due to having to go to afternoon duty, then start arguing and demanding things. Told them I would call back in morning which I did and told supervisor exactly what I could do, then he begins arguing and saying things, also told him not to contact me at work any more.

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 11/16/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (NY).
Issue: Other transaction problem

Complaint: Amount of {$3400.00} was wire transferred out of my checking account on XXXX XXXX, XXXX. 
It was unauthorized and I do not know who the recepient of the money is. 
I contacted Chase on XXXX XXXX to claim this anauthorized wire transfer. 
Chase told me that they will investigate. 
1 week later, I was notified that they DENIED the claim. 
They explained that my wife 's mobile phone was used for this transaction, which is NOT TRUE. 
I asked for more information ( ie : exact time of the initiation of the wire transfer since it has to be done on computer, chase mobile banking does not allow user to add a recepient of the wire transfer. It has to be done using chase.com on a computer, last login time on any device using her ID, etc ), but they refused to provide any information other than my wife 's phone was used for this matter. 
The Chase wire transfer claim department is NOT TAKING FULL MEASURE TO SOLVE THIS PROBLEM. 
Now they concluded that this is indeed NOT A FRAUD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2017 about Debt collection (Other debt) with M. G. Credit, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I signed up for a gym membership with XXXX XXXX and thought I signed up for a 12 month membership and found out later it was a 24 month membership. Subsequently, I had to return to XXXX to care for my mother who was having XXXX XXXX issues. I attempted to cancel my contract as I was moving out of the country and to my knowledge there are no XXXX XXXX in XXXX XXXX. I was told that I can not cancel my contract and would be responsible for the entire contract balance. <P/>The account is now with mgc and the balance continues to increase and I can not figure out why. This is criminal that mgc continues to tack on fees and additional charges to my account and currently I have a balance of {$500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: It would take more than this small box to be able to explain the scam and unethical stuff I have experience from XXXX XXXX. The list is long but the biggest XXXX was in XXXX when they contacted me because I was in deferment and it had ended and I was still unemployed, they solicited me to consolidate my loan. But only XXXX4 month later Laws changes and I was given the opportunity to pay off my loan from other lenders willing to offer a 3.9 % loan plus the chance to get away from this scammer that for 4 years where adding all king of fees late fees and so many others that it did n't matter what I paid my debt would grow faster than I was paying. So this would have got me done with them and not have to deal with these scumbags thieves. Well com to find out when the New lender ask me for my Social and look he told sorry looks like you consolidated about 3 months back and you are lock in we can help you. What the XXXX. The way I see it now they used there inside knowledge being part of the government back then and just like inside trading knew this was coming so they XXXX me by consolidated my loans. At no time did they ever mention that this was going to keep me in the debt prison and stuck for life with the worst servicer. And I know cause I delt with is since XXXX XXXX and they were cheating us by doing all kind of illegal stuff

Company response to consumer: Closed with explanation