milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I applied for credit through XXXX XXXX online. Received a denial letter. Called XXXX and was told they denied me because they could not access my credit due to a " Gobal freeze ''. I called Equifax , they claim there is no freeze on my credit report. I called XXXX and XXXX also. Both state no freeze, however, XXXX is not able to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In reviewing my annual credit report, I noticed that there was a 30 day late reporting on my credit report from  Home Depot,  even though automatic payments had been setup by them and paid satisfactorily for years.     For several years now, each month on or around the  XXXX , automatic payments of {$150.00} were debited from my bank account to pay  Home Depot . These automatic payments were setup by a  Home  Depot Representative years ago, and would continue until my account was paid in full. I was absolutely shocked when I realized tha t Home Depot h ad reported negatively on my credit report and had not attempted to contact me regarding the remaining balance of {$11.00}.     I contac ted Home Depot to  inquire and to attempt to resolve the reporting discrepancy and I was told that the final payment for {$11.00} had not been debited from my account because their system was only setup to take the monthly payment amount and that since my balance was only {$11.00}, their system would not make the payment. When I asked why they did n't contact me or send a letter,  (  which they 're required to do before reporting negatively ) the representative simply stated that a generic letter was sent to me about my account being paid off, but nothing to warn me of the potential late payment or that a negative report would occur. In addition, I was told that there was no attempt to contact me and that the company decided to simply charge off the remaining balance, after years of satisfactory, on-time payments.     I made several different calls t o Home Depot,  I was transferred many times and my dispute has been escalated to various different managers in different positions and neither has accepted their error or agreed to correct it.  XXXX  at  XXXX  was the las t manager t hat I spoke to regarding this reporting error and she is not returning my calls. I spoke with her initially months ago, she then called to gather additional information from me and now I have left  two  messages for her, with no response.

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 05/26/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: CFPB # XXXX Medical Bill {$710.00} XXXX XXXX Client Service stated in the complaint, a deletion update will be sent the three major credit reporting agencies for the account that is listed in this complaint. SSN last 4 digits XXXX. Account number. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I tried to submit a complaint through Equifax for hard inquiries on my account and answered all there questions and was told that my personal information was incorrect and that I need to fax them my drivers license. I 'm a little uncomfortable doing that seeing as my personal information on there end is incorrect. How do I go about fixing this and why is XXXX running my credit when that account is setup through email and does not have my social security number attached to it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In 2009, I filed for bankruptcy for Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first house or transferring credit card debt to a 0 % APR so that I can pay that down faster with out any interest. Please advise. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Other mortgage) with Servis One, Inc. (CA).
Issue: Settlement process and costs

Complaint: My wife and I fell behind on mortgage payments with XXXX. We started a modification process, however XXXX sold our loan to BSI Financial. BSI was not going to process our modification, however we filed a complaint about them with this bureau and BSI promptly contacted us and began our modification. 
Now, BSI approved us for a modification. I am just very dissatisfied with the modification because according to BSI they can not provide us with a better solution than a ARM because that is what we originally had with XXXX. My question to them was, then why the modification if they were not going to provide a better option. So, now we are looking to see if this is legal and/or is it true that a new lender can not provide a better mortgage solution through a modification? If so, where may I get further information on that? 
All we want is to be able to afford our home and retain our home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This debt has been on my credit for over 7 years since  XXXX  now we are in  XXXX  each time. I have been contacting this company for the longest time to removed, but its still on there. The debt was taken by my ex who knows the owner of the dealership. I have been disputed this item for years I would they verified a debt with who they spoke with was there a confirmation number given??? How would a creditor verify a debt without sending proof of signature documents the name of the person who helps me obtain this debt? Please look into this matter this company been seaming people for years and I am so happen to be a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been enrolled in " income-based repayment '' since graduating from school and beginning repayment. When possible, I pay extra money after I submit my required monthly payment. I have spoken to people at Navient multiple times ( by calling their customer service department ) and was told different things by different people. In my opinion, I would have thought the EXTRA money should have been applied to the principal of my loan -- - however, I believe it never is. I make my payments online because the phone system is too cumbersome and time consuming to use on a monthly basis. 

My school is not listed below -- it is the XXXX at XXXX ( in XXXX, MA )

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: Response to My claim Case number : XXXX TD Bank will send a check to the Customer in the amount of {$95.00} within the next 30 business days, as a courtesy fee refund. The attached explanatory letter was mailed to the Customer. 

I, XXXX XXXX never received the check from TD bank. Today is XXXX ... and no check. received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Facts : - debt was fully discharged in XX/XX/XXXX BK - in XX/XX/XXXX I contacted Citi, we reached an agreement of {$2500.00} to release the lien on my home - Per the letter from Citi " Upon receipt of certified funds, Citifinancial will release its mortgage on the property '' - As agreed, I paid the {$2500.00} via wire to Citifinancial on XXXX/XXXX/XXXX - I have contacted Citi numerous times since the settlement in XX/XX/XXXX, the lien is still not released - this is impacting my ability to complete a HARP refinance, which in turn is impacting my ability to keep my home

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is incorrect information and needs to be removed from my credit report as it is preventing me from buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have retained new copies of my credit reports, and noticed that Portfolio Recovery did not furnish the credit bureaus with the required disclosure, within the period required by law. 
The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. 
I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: On XXXX XXXX 2015 I paid Wells Fargo Bank a personal loan in its entirety. A few months later a got on my credit report a negative delinquency status about this same loan. According to the bank, I failed to pay a small balance that I never received a bill for or any type of communication after I paid the loan 100 %. When I learned about the negative credit report reported on me by Wells Fargo, I immediately contacted them and I was given a fax number where I should send a complain and a full explanation. I did sent a fax not only once buy twice after not hearing from anyone at that bank. 

The last thing I did was to sent the same communication I have previously sent via fax but this time I did overnight it and still nothing happens with this people. Meanwhile, my credit records has been damaged by this situation.

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 10/24/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: Every time I have a XXXX balance on my Macy 's credit card, I get a {$2.00} charge. For what? I have called and they say I do not have to pay it, yet, others who have n't paid, had it accumulated and then got charged late fees! So I pay it, but it is n't right. If I have a XXXX balance, then I owe, NOTHING. Also, I noticed in collecting my bills to file this, I have been charged {$2.00} on top of interest!

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX, XXXX, at approximately XXXX XXXX called Equifax about a charge appearing twice on my credit report. I asked the agent where he was located and he told me the XXXX. I asked to speak with someone in the United States because frankly, I do n't understand how this company is allowed to still operate, let alone offshore. I was told I was being transferred to a U. S. agent, but I was on the line for over 20 minutes with just music playing. No one or no recording letting me know I had even been connected was available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit card () with CITIBANK, N.A. (KS).
Issue: Closing/Cancelling account

Complaint: I am trying to cancel my Citi XXXX credit card with Citi and it is proving very difficult. I was put into a queue and waited on hold for 21 minutes. I was told that there are few account specialists available and a long queue for me to speak with XXXX, and I am required to speak with an account specialist to close my account. I find this to be an unacceptable level of delay and difficulty in what should be a straight forward and simple task. I suspect that Citi is intentially making the process difficult in order to prevent me from cancelling, something that I have experienced in the past with other credit card companies also. Finally, someone came on the line and told me the company was having system issues and I needed to call back the next day.

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 09-10-2017 about Debt collection (Other debt) with ARC Services (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Arc services contacted me on XXXX XXXX, XXXX during work about money my friend owed for the bail bonds that I have cosigned for. The agent XXXX XXXX appeared sympathetic and offered to make a deal with me. I told him to give me a little time to contact my friend whom I have not talked to in 4 years. 2 days later he called me and asked if I wanted to make a deal with him or not. He appeared aggressive so I told him I do not want him to call but to email me instead. Then I hung up. He continued to call then left a voicemail and texting me threatening to sue me and garnish my wages. He texted me my email was incorrect and to send him the right one. I told him after I send him my email to stop texting me. He continued to text me after I sent him my email and said that I have one more chance or else. I called him and told him that I will continue to try and call my friend about to situation and to stop harassing me.

Company response to consumer: Untimely response
Consumer complaint received 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello- I have previously disputed this item with Experian. We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account now ( XXXX XXXX XXXX ) should be deleted from my Experian credit report. XXXX XXXX XXXX changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as 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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarMax, Inc. (ID).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Multiple car companies and credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with Radius Global Solutions LLC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted XXXX XXXX to request internet service at my residence. Prior to receiving service, I discovered that I already had internet available at my home, so I called to cancel with XXXX XXXX at XXXX XXXX on XX/XX/XXXX. The person I spoke to said she could n't cancel because the account had not been established yet. Soon I began receiving bills in the mail from XXXX XXXX. Somehow in this process two accounts were established for my same address and only one was cancelled after may call ( I did not discover this fact until a talking with XXXX at XXXX XXXX on XX/XX/XXXX ). I later spoke with XXXX on XX/XX/XXXX after receiving another bill and she assured me that my account had been cancelled. When I continued receiving bills from XXXX XXXX for varying amounts, I began calling again. On XX/XX/XXXX I emailed my complaint to XXXX XXXX and was told to contact the Retention Department. On that same day I talked with XXXX at the Retention Department. I was told the issue was solved on her end but to wait for an email from Collections confirming the account was cancelled ; I never received the email. I then received a collections letter dated XX/XX/XXXX for a " Balance due : {$160.00} '' After consulting the Better Business Bureau website, I was directed to a telephone number supposedly for XXXX XXXX XXXX " Executive Escalation Team. '' I called the telephone number listed on the BBB website on XX/XX/XXXX. It was their normal business phone requiring extensive hold time to make contact with someone who could help. I finally reached a supervisor who told me that my account was with the " Legacy Division '' and they transferred me to a non-USA office where I talked with XXXX, who found no reference to my complaint but told me she had made a billing correction and that I should receive confirmation of her actions from XXXX XXXX Collections in 3-5 business days - I never received confirmation. I then contacted XXXX on XX/XX/XXXX at XXXX and she discovered that two accounts had been made in my name. She told me that she was able make an adjustment to resolve the two-account issue. On the same day I also called and talked to XXXX XXXX at the collections agency and was told that he would " escalate '' my call to notify XXXX XXXX of my dispute and that I would receive a response back from the collections agency regarding XXXX XXXX reason for the bill. I have yet to see a response.

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 09-09-2015 about Mortgage (Conventional fixed mortgage) with ARVEST BANK GROUP, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Central Mortgage Company ( CMC ) can not process my payment correctly. My monthly payment is {$3100.00} due on XXXX of month. I made XXXX separate payments from XXXX checking accounts, XXXX for {$2000.00}, the other for {$1100.00}, so the total adds up to my full payment. Both payments arrived on XXXX/XXXX/2015 on time, but CMC returned my payment saying it 's partial. The check they sent me for the returned payment is the full amount of {$3100.00}. I called them, and they 've confirmed their system ca n't handle the XXXX payments if they are separate even though both arrived on the same day. I do n't think their payment processing is up to the standard. It completely does not make sense to return my full payment in XXXX check and saying it 's not a full payment.

Company response to consumer: Closed with explanation