milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Credit decision / Underwriting

Complaint: I sold my house in XXXX XXXX, XXXX XX/XX/XXXX. Two days prior to the new owner taking over, I boarded a plane to XXXX. All of my belongings including furniture, clothing and automobile, were also transported. The money from the sale of the house was deposited in my bank account shortly after my arrival. I immediatly began paying bills. Since I had used online bill pay for years it only took a few days for my creditors to receive payments. My credit card debt was about XXXX. when I left XXXX, I paid about XXXX, and today I owe about {$8000.00}. I would love having a home, that I can call my own. One day saw a house for sale in the neighborhood I like. I contacted a realtor regarding this particular home, the asking price was XXXX. Immediatly I was transferred to their Loan Department. Later that evening the representative telephoned me to advise me that my credit score was very low ; too low for financing a home. He was somewhat rude, like I just wasted his time. He said I had tons of credit card debt and my house in XXXX XXXX appeared to be involved in a " quick sale ''. He added, there was no way I could get a home financed. 
I amXXXX a XXXX XX/XX/XXXX, I had planned to put the house on the market immediatly, but I love XXXX. It was not untill XXXX XXXX when I sold the house and began making plans to leave. I shipped furniture, household goods and belongings including my car to XXXX where I was raised and have family and friends. The cost of housing is so much lower in XXXX. In XXXX my total mortgage payment was {$3100.00}, and due to the type of loan it would have increased over the next 2 years. 
Another factor which caused my financial problems was, teachers did not get a raise for almonst 10 years. Finally XX/XX/XXXX teachers were given a raise. In XX/XX/XXXX I had to get out of one of those preditory loans, and the new loan started out at 3 % interest for the first 3 years but increased 1 % each year after. I began to use credit cards for groceries and for everything I could not afford. Fortunetly my house was beautiful. I purhased it in XX/XX/XXXX and remodeled the kitchens and bathrooms.

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 01-03-2018 about Debt collection (I do not know) with Professional Recovery Consultants, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello, My name is XXXX XXXX and I am receiving phone calls from multiple credit recovery agencies for some other persons debt. I changed my phone number to a new phone number over a month ago and now I am receiving calls regarding this persons debt. I have no debt what so ever. The most recent organization to contact me was from : Date : X/X/2018 @ XXXX XXXX XXXX XXXX XXXX Professional Recovery Consultants XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX PH : XXXX I have registered my phone number on the DO NOT CALL list, on X/X/2018. I am receiving multiple calls from different creditors at all hours of the day, multiple times per week.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Consumer Loan (Pawn loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Charged fees or interest I didn't expect

Complaint: took a loan out for XXXX spring leaf financial advertised on XXXX website much lower intrest than I am being charged. loan officer never went over intrest rates with me, just monthly payments. after making 3 paymnts, I notified them. was never told about a credit reopt fee. I filled out the app on website. XXXX % plus is the interest rate. also had to put up television for collateral ;. these people knew way in advance about my financial situation. I called them and told them that the interest rate would have to be renegotiated. or I will not pay the loan. very deceptive business practices.i am XXXX vet. would appreciate some suggestions.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I need to get a secure alert apparently somebody opened a account on my name that I did n't open on XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In early XX/XX/XXXX [ 1 ], it has been reported that over 143 million customers ' information were improperly handled released by Equifax to hackers due to improper security steps taken to protect the information. 

Through checking the website provided by Equifax XXXX https : //www.equifaxsecurity2017.com/XXXX XXXX see if I was one of the affected, I was notified that I may be affected by this incident.
The Equifax website ( linked above ) indicated they are able to provide 1 year of identity theft protection, however, I feel that this large amount of information leaked about me will have lasting effects throughout the rest of my life. Also, according to this website, I can not even activate protection until later in September.
There is absolutely zero indication the recipients of this information will simply give up using this information after 1 year.
References : [ 1 ] http : //money.cnn.com/2017/09/08/technology/equifax-hack-qa/index.html? iid=EL

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: FILE NUMBERXXXX REPORT DATEXXXX NAMEXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; +XXXX # XXXX this a fraudulent account listed on my credit file XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1700.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$1700.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : & gt ; {$1700.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/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 non-monetary relief
Consumer complaint received 03/26/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Walmart has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 05-02-2016 about Bank account or service (Checking account) with BB&T CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: Susquehanna Bank, did not route my check properly. Did not disclose the terms of collection of Cashiers Check. Then Susquehanna filed Criminal Charges stating that I forged a check, Due to Susquehanna Bank Discretionary, practices, they have since, change the name to BB & T, which has also caused Financial Discrimination recorded by XXXX. My attorney will be filling International Criminal Complaint under the Mines and Mineral Act to be serviced by the Director of International Finance.

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 09-08-2017 about Checking or savings account (Savings account) with NAVY FEDERAL CREDIT UNION (SC).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I received a letter from Navy Federal Credit Union stating that I was eligible to receive a redress payment in the amount of {$870.00} for my consumer loan ending in XXXX which has been refinanced with Navy Federal and a new loan number given ending in XXXX. 

The letter stated that on XX/XX/2017 a credit would be placed in my account ending in XXXX. I called Navy Fed to confirm that this was a valid letter. They said it was. I was then told that the account that ended in XXXX was a charged off account, which I was unaware of because I had been receiving statements for one year that did not list the account was charged off or closed. 
The representative stated that Navy Federal I would not be able to receive the funds from this account. I was told If I was eligible that I could open a new savings account and the funds be placed there. I opened a new savings account ending in XXXX that day over the phone. 

On XX/XX/2017, the funds were still placed in the charged off account ending in XXXX with a new balance of {$890.00}. I requested a transfers from this account to the new savings account with Navy Federal ending in XXXX and was denied and told I would have to fill out a questionnaire form to preform a transfer because the funds were from a Redress Notification.This form could not be emailed nor faxed, It could only be sent to my mailing address on file ( today 's date is XX/XX/2017. I live in South Carolina which is under mandatory evacuation for XXXX XXXX ). 

I am concerned that they will pull the funds and apply it to my refinanced consumer loan with Navy Federal ending in XXXX, which was the reason for the Redress Notification in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2015, I filed a FTC complaint regarding multiple collection phone calls for an account that I did not open. The investigation was complete ; it was verified that I did have an account with XXXX and did not owe them any money. Today, I received a call from a collection agency regarding a XXXX account. Today, I contacted XXXX and they did verify that an account was opened in my name in XXXX 2015 and it has been placed into collections. My issue is that customer service has repeatedly provided me with the incorrect information, and was withholding information that I requested and facilitated account fraud. I believe that this issue could have been resolved months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Unsolicited issuance of credit card

Complaint: Hi, I saw the news regarding XXXX XXXX. I believe I was the victim of the same problem except with Chase Bank. I was issues a Amazon/Chase credit card last week with a {$10000.00} line of credit. My account was not hacked and, since I closely monitor my credit XXXX Equifax, had no inquiries made or reported. Also, I 'm a XXXX year old male with an XXXX credit score, excellent financial health and currently have accounts and credit cards with Chase Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2016 about Credit card () with DISCOVER BANK (DE).
Issue: Customer service / Customer relations

Complaint: Account number ending in : XXXX Important information about your account ... 
Dear XXXX XXXX, As a result of a recent review of the Discover ( R ) card account referenced above, We have closed your credit card account as of the date of this letter XXXX/XXXX/2016 This action was taken for the following reason : " Inactivity on your credit card account ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (IL).
Issue: Managing the loan or lease

Complaint: Got behind 5 days on my car loan when the calls started. The calls were 4 -5/day and begin around XXXX. When I talked to them, I told them the situation of slowed commissions and explained that I would be back on track well before 30 days. The calls did n't stop, finally I had to talk to them again and told them I had already spoken to them about it and explained the situation. That still did n't stop the calls. The calls come from several different numbers and it has gotten to the point of harassment.

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 10/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XX/XX/XXXX I sign my son up for XXXX XXXX XXXX to help him with math & reading. My monthly payment is about {$50.00}. I 've been paying on this student loan now for 11 years & 8 mos. 
The original amount borrowed was XXXX on XX/XX/XXXX with an interest rate of 11.75 %. On XX/XX/XXXX I had transferred {$4700.00} to my credit card for 18 mos promotion at 0 %. I still have a balance with Navient of {$1000.00}. If I never transfer some of the balance it would n't be paid off until XX/XX/XXXX. It does n't make sense to me at all on how my payments are being applied to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Non-federal student loan) with MOHELA (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I send my payment on time every month for 18 months and I have never received a statement or anything from them. I have no way of knowing if my payments are even being applied against my huge {$50000.00} balance. When I call them they say they do n't know the balance or payment information and they will have to contact the credit bureau for my balance. What are they doing with my payments? Why ca n't I access my account online to view my payments and statement information. They have never sent me anything and know nothing when I call. This seems very fraudulent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reach out to handle the incorrect inquiries on my credit report with Transunion. The company had a credit inquiry reporting situation which has affect my report. The report does n't meet the requirements of the Fair Credit Reporting Act section 611.

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 10/13/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: received a letter from Citi stating my debt was sold to XXXX XXXX XXXX .I have never had any credit of any type from Citi . There is no account or debt. Their claim is fraudulent.

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 01/31/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX Please run a full examination on this account name and number because it does n't look right and delete this account from my credit report. 

XXXX XXXX I am disputing this account in its entirety because I feel that it is a violation of the Fair Credit Reporting Act. Please check with the furnisher of this account and make sure it is 100 % accurate and verifiable and delete it from my credit report. 

XXXX XXXX XXXX XXXX Please investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX Please run a complete investigation on the account name and number because I feel it 's not accurate and discard this account from my credit report. 

XXXX XXXX Run an investigation on the assigned date and last activity date because this does not match my records. This account is passed the statute of limitations as well. Please remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In 2013 I consolidated my student loans through XXXX XXXX. Since this time I have been paying my consolidated loans on time and they are in good standing with XXXX ( after it broke off with XXXX XXXX ). Several months ago I was looking at my credit report online and the score dropped over 100 points. I looked checked why and it turns out that XXXX XXXX, for some reason, did not pay off the entirety of my loans that were to have been consolidated. The total amount owed now is rather small, I think around {$50.00}, so I am not concerned about that. I am, however, concerned about the damage that was done to my credit report. I have in the past several months I have called the Department of Education as well as the company now owning the loans who both tell me to contact XXXX. I have contacted XXXX several times and every time the customer service representative is very understanding and helpful but nothing ever comes from the call. The loans are still not payed and they have not said that there is any reason why they should not be payed and my credit score is still down over 100 points.

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX BANK Acct # : 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 06-07-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX XXXX, 2017 I was shopping for a loan. XXXX XXXX from quicken loans requested to do a soft pull on my credit so that she could compile loan information for me. She assured me that her soft pull inquiry would not show on my credit report. <P/>XXXX XXXX | Director of Mortgage Banking Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXX XXXX XXXX, 2017, XXXX XXXX from XXXX XXXX, the company I decided to get a mortgage with, emailed me and asked why I had a credit inquiry the day before. XXXX double checked on his end and made sure this was not his credit request and assured me that it was not an inquiry he generated. <P/>I was deceived by to my XXXX XXXX at Quicken Loans. She assured me she was only doing a soft inquiry. I would like to

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are several different addresses for one address that I lived at and there is also an address that is not mine. My spouse/co-applicant is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief