milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I would like for inaccurate person information be moved from my report. I would like for my report to be updated with the correct information

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via XXXX # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on XXXX 6. Credit Limit is {$0.00} on XXXX 7. Date of Last Payment is incorrect on XXXX 8. Account Status on XXXX is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : Equifax dispute - XX/XX/XXXX, Experian Dispute - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 11-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion ( TU ) does not have my XXXX account XXXX listed in my credit report or history. This issue has been going on for over a year. My XXXX has proven to me that they have sent the proper documentation to TU. TU evades and comes up with excuse, many unfounded. It appears to me that TU is trying to coerce my XXXX into a contract. The last discussion I had with TU the representative said my XXXX would have to get in touch with the local TU Marketing agent to correct my account yet he would not provide a name or phone number! 
My account is otherwise correct and shows another XXXX account I have with another bank. If I can not get this issue resolved I am going to see if the NM XXXX or the NM XXXX will take it up. 
TU is subjecting me to higher insurance fees because TU is not properly showing my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: This is a response to my case # XXXX. I do get the decision on cashing a third party check. I was hoping the bank could make a more humanized choice but they have policies that I get. I do however have a huge problem in US Bankcorps response which was not accurate what so ever. They stated I attempted to deposit my check at XXXX branch ... NOT TRUE It was XXXX as in my claim. They stated after the check was returned I took it to XXXX branch and bank staff refued. That is a total LIE. that never happened I have never been to that branch. Lets get this right. I went to the XXXX branch to see if the check was real..like I stated in my complait. The teller took a copy and was to phone me back, which after three days of no response I then deposited it in my ATM. In banks response it says management informed me not to deposit.NOT TRUE. I was the one after the check was returned to call the supervisor who I had to call 3 times before my call was returned. She then told me about not being able to cash a third party check. I want acknowledgement from the bank it is their duty to get the story straight and not make I seem I deposited the check after being told not to. The part about me take the check to XXXX branch or any branch to cash is a lie. This response makes me sound like a person who is not reputable, so US BANK COPRS get your story straight before sending back totally inaccurate stories.

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 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANCO POPULAR DE PUERTO RICO (VA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Credit card with BANCO opened with my personal information after my address was changed through the USPS without my authorization and a plane ticket for {$170.00} purchased in my name and a trip made from Florida to Puerto Rico in XX/XX/XXXX. I called BANCO and reported to their fraud dept.

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 07/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Hi, My Federal student loans were transferred from XXXX to Fedloan Servicing in XXXX 2016 due to my application for the Public Service Loan Forgiveness program. 
To start off, my income-based repayment plan was never transferred over to Fedloan Servicing. I was told to apply for the repayment plan again. 
This morning ( XXXX/XXXX/16 at XXXX ) I received an email saying : " Welcome to FedLoan Servicing Based on your interest in the Public Service Loan Forgiveness ( PSLF ) program, we are in the process of transferring all of your U.S. Department of Education owned student loans to us for servicing. Having all of your loans with FedLoan Servicing will make it easier for you to manage your loans and track your progression in the PSLF program. '' On XXXX XXXX, 2016, I received the first email saying : " Your student loan payment is over 30 days past due. 
Contact us today to discuss your options. 
Hello XXXX : Your student loan account is a month past due. That means collection activities will continue. Send your payment as soon as possible to avoid emails, letters, and calls. '' On XXXX XXXX, I made a payment which was due on XXXX XXXX : Payment Amount : {$770.00} Payment Date : XXXX/XXXX/2016 Checking/Savings Account : **** Confirmation Number : XXXX I confirmed to make sure this was taken out of my account. 
I have another payment due XXXX XXXX of about {$300.00} ( I resubmitted my income-based repayment plan a couple months ago ). 
My mother as well as my in-laws both received a call today stating that my loan from Fedloan Servicing is past due. The caller left the actual Fedloan Servicing phone number ( XXXX ). I did call this number just now and kept pressing '0 ' to be transferred to someone in customer service as I did not want to provide my account number or social security number ( I was being cautious ). 
The statements that I am receiving in the mail I believe are the correct statements. 
I have heard the Fedloan Servicing is terrible with a bad reputation and when my loans were first transferred to them, I had an awful customer service experience on the phone. I just want to make sure that this is n't going to effect my credit. I do n't know what is and what is n't a scam at this point. I do n't know if this is just them being " terrible '' or if it is an actual scam.. 
Thank you for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is re : the Equifax leak in early XXXX 2017. Equifax told me my  information was potentially leaked, and then wants me to sign up for a complimentary " fraud protection service '' organized by Equifax, the selfsame company that leaked my information. On top of this, signing up with the " fraud protection service '' waives your right to participate in a class action lawsuit against Equifax for making the leak happen in the first place. Equifax are crooked.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint mortgage did several dubious things while processing my PMI removal request which costed me more than {$2000.00} and extreme amount of stress. I submitted the request in XXXX of 2015, RPM took painfully long time to process my request. They sent appraiser who did n't calculate the Square footage correctly ( XXXX SQFT ). 
Roundpount mortgage never took my calls seriously. It took them 6 months to initiate the request again with multiple followups and more than XXXX calls. 

They even lost my faxes ( Which has social security number mentioned ). 

Overall it took them more than an year to process a simple request which costed me more than {$2000.00}. 

I dont feel that my records and financial information is safe with rountpoint mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I attended court after being subpeoned for a break of a lease by my roommate while i lived there and was forced to move out. The owners of XXXX XXXX XXXX in XXXX XXXX, MI did not attend court. They did not attend court because they dropped all charges XXXX There was no judgement possession made because the possession of the apartment was immediately returned to the owners. They also leased the same apartment within a week of moving out. We ( XXXX XXXX ) and I immediately moved out of the apartment with in a week of XXXX breaking the lease. I have been informed that this should not be on my credit and that I do not have to pay any of the rent from the lease being broke back to the owners. I also know that the property has been sold a couple times so the original owners do not own the property anymore. I have been trying to resolve this with XXXX who represents National Credit Systems. He has been rude and uncooperative, demanding and bullying that I owe this money and pay it immediately. He refuses to discuss that I have been to court for this and the case and charges were dropped and closed. I am trying to obtain housing for me and my son and unable to do so because this is on my credit and been unable to get this removed after a couple of attempts of disputing it. it just got renewed to be on my credit even longer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Denied credit. when reviewing credit report from XXXX found GLELSI/XXXX XXXX XXXX  XXXX indicating open balance of XXXX. XXXX XXXX XXXX XXXX, WI XXXX BYMAILONLY This account was fully paid off. XXXX dispute site non-functional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed an item on my Experian credit report stating that the debt belong to my ex-husband. The account is XXXX XXXX. The account was closed in XXXX. The dispute results stated that it would remain on my credit. The date for removal from the credit report is now changed to XXXX. That is incorrect. According to the Fair Credit Reporting Laws, an item can only remain for 7 years.

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 12-04-2017 about Debt collection (Medical debt) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, XXXX I took my daughter XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. She received care in the emergency department. I received a bill from the hospital concerning physician services, but never the emergency services. The balance for the physician was paid in full as of XXXX XXXX based on the balance that was mailed out. I received an " overpaid '' check in the mail stating that I had over paid on the account. As of XXXX XXXX, XXXX I received a report on my credit in the amount of {$650.00}. I called the collection agency number only to be told my daughter 's insurance was never filed back in XXXX. I was then told that the physicians and emergency departments are billed separately and that the hospital would be the one to send over the insurance information to the emergency department that never was sent. I asked why was n't I informed of this and was told that the letter that was mailed out was returned back to sender. I asked them how was that my fault and was told that once the letter was returned back to them that they had to report it.

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 03/21/2017 about Consumer Loan (Installment loan) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (WA).
Issue: Problems when you are unable to pay

Complaint: My primary mortgage has a foreclosure sale date, I am trying to do a short sale but Washington Federal will not work with my Realtor/agent. They refuse to even give a fax number for her to work with them on the short sale.

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 02-06-2018 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I have a vehicle loan with USAA at 10.10 % interest rate. My monthly payment is {$420.00} of which 30 % goes toward interest payments. I was also advised I would need to pay a dept protection fee of {$40.00} per month. When combined, 40 % of my monthly payment does not go toward reducing the balance of my loan, but goes to USAA. This false claim constitute predatory lending practices. 

I have had other loans with USAA where the predatory lending practices are contrary to their claims of providing great financial products to service members. I served in the military for 28 years, and instead of USAA providing reasonable financial services, they engage in predatory lending practices aimed exclusively at our military service members. 

USAA could resolve this complaint by ceasing and desisting with these predatory lending practices, stop the false narrative and false advertising of 10.10 % interest rate when the actual rate they receive is 40 %, stop deceiving military members with predatory lending practices and reverse the abusive charges and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (PA).
Issue: Other transaction issues

Complaint: I commissioned a XXXX on XXXX/XXXX/2015 through XXXX. The XXXX was to agree to my terms, and even replied with his acceptance : The XXXX submitted several mock ups, however - in agreement with the terms, I stated my disagreement with how the XXXX was handling the piece. The XXXX has received a XXXX $ pay, and will not respond via deviantart note, email, or other. He completely ignores me, and has not sent a mock up in two weeks. Below is the copy/paste of the note from the XXXX : alright, that seems fair as it is also the standard practice. 

-XXXX no less than 1 per week -whole body shot -half of XXXX following the first image and the last image. 
-your email : XXXXXXXXXXXX -my email : xxxxxxx all sounds good to me see you there at the web-based email service.

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. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My lender Navient has steered me into costly forbearance for financial relief instead of less costly options. I was once not told a fee would be issued for a forbearance, I was made to understand that it would collect full interest while in forbearance only. Because of the fact i needed 1 month of payment relief, i believe is was deceived. Instead of deferment which i think would of benefited my situation i was forced into the costly forbearance for a 3 month period. This happened on 2 occasions, on the second occasion i was made aware of a fee is applied to forbearance. 

Navient has also changed their page design numerous times and it is confusing to navigate and pay loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX, I submitted a complete loan modification with Bank of America to modify my second mortgage of {$150000.00}. I am currently delinquent {$19000.00} in mortgage payments on my primary residence. I was actively and diligently working with my loan relationship representative to modify my loan. On XXXX XXXX, XXXX, I was approved for trial loan modification payments of {$630.00} for the months of XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I made all my trial payments as requested and was expecting to have my loan modified. 

On XXXX XXXX, XXXX, Bank of America recorded a Notice of Default to foreclose on my property. I made all my payments as agreed. Bank of America lied to me and lead me to believe they were working with me in modifying my loan. 

Bank of America intentionally used dual- tracking while I was on a trial loan payment period. 
Bank of America has violated the California Homeowners Bill of Rights, which prohibits dual tracking. Bank of America continues their unethical, fraudulent, and corrupted business practices with the public. Bank of America is hurting the nationwide public by practicing dual tracking with home owners. 

A Bank of America employee signed a written California Declaration stating she was unable to contact me to assess my financial situation and what options were available to me. 
Bank of America proceeded with recording a Notice of Default for foreclosure. The Employee has lied under the written Declaration of being unable to contact me. I was in a active loan modification review with Bank of America working with my relationship rep. to modify my loan. 

The Bank of America employee who signed the Notice of Default written California Declaration, ROBO Signed the written Declaration. I was always in contact with my loan representative working with her in obtaining a loan modification. 

This complaint must be forwarded to the Office of the Comptroller of the Currency ( OCC ), The U.S. Federal Reserve, and the U.S. Treasury Department. I will also be making a complaint with the Federal Bureau of Investigation ( FBI ) to document this corruption and to request an investigation of Bank of America illegal loan activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have been trying to get our loan modified since the beginning of XXXX. We have had to send in multiple applications because Citibank closed our original one before it was completed. On XXXX XXXX, 2017 we were told our application was under review. They have since been requesting information we have already provided them. They have not returned emails or been available for scheduled phone appointments. I finally talked to a supervisor today who was incredibly unhelpful and would not advise me on what they needed as far as a profit and loss statement on letter head. She said I would need to talk to an accountant. I told her we would be filing a complaint and she stated it would n't matter and they would tell us we need to provide more information. We are feeling very much at a loss on how to move forward.

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 04-03-2015 about Debt collection (I do not know) with Firstsource Advantage, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: First Source Advantage called from XXXX asking for me by my maiden name, which i have not used since 1990. All they would say is the call was being recorded and would provide no additional information. I did not provide them with any info, but it has to be a scam.

Company response to consumer: Closed with explanation