milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Bank account or service (Other bank product/service) with Blackhawk Network Holdings Inc. (VA).
Issue: Using a debit or ATM card

Complaint: I tried to use a Visa Debit prepaid card with the four digit number and it did not work. I also called the company using the " XXXX '' # on the back, the person who answered asked for a 16 digit # on the back of the card. I gave him the # he asked for the value of the card, I gave him that information. He said to use the last 4 digits on the front of the card as the pin #. Once again it did not work. I used a different " reliable '' previously used debit card returned back some of the goods and paid the bill and left.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (NM).
Issue: Problems when you are unable to pay

Complaint: Zia Finance XXXX XXXX New Mexico, with relentlessly harass you if you are ever late or if you default on your payments. 

They will call your employer and they will come to your house to harass you. This is a very sketchy company. They are a predatory loan company. They will continue to harass you even after they have reported to credit agencies.

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 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Today I just found out I lost my wallet, it includes my State ID and couple of bank cards, so here I am, trying to request a free annual credit report from AnnualCreditReport.com, but since a month ago a banker checked my credit score from XXXX and XXXX, and denied me a mortgage loan, I can only apply my free credit report from TransUnion. I start my online request form on AnnualCreditReport.com, everything going OK, until it request me to answer some security questions ( to identify me ). It asked me XXXX questions, the first XXXX matches my identity. But the last XXXX did not match any of the fact I remember. The XXXX question asked me, in which state I obtained my social security number? They put out XXXX names in the answer choice, including my home state ( NY ) as XXXX of the answer, but I clearly remembered I received the card in another state besides NY, and it was not listed as my choice, so I answered NONE OF THE ABOVE. Also, I have been asked which was my current or previous employee ( I have been out-of-job for 7 years ), but none of the choice match any of my previous employees, so I also answered NONE OF THE ABOVE, then it says it can not give me my free credit report! If there 's an alternative answers to XXXX of these questions, then those answers are not match my identity. How can I report this problem and correct the answers?

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 05-09-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone 30 days mark and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA- they are required to Promptly delete any information that can not be verify '' that I have disputed. Please help me resolve this matter as soon as possible. Thank you.

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 09/27/2016 about Debt collection (I do not know) with S&S Physician Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from HARVEST ASSOCIATES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HARVEST ASSOCIATES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Student loan (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Weltman Weinberg and Reise Company LPA called me claiming to be representing the XXXX XXXX XXXX. I asked if I could make payments and they informed that I was in default and the entire debt was due. After this conversation I began doubting their authority to collect on said debt. When they called again, within 30 days of intial contact, I asked for the verification of the debt. They told me they were still going to be reporting me to the credit bureaus as my last payment was in XXXX. This was a lie as I was holding a statement from the company they were supposedly representing and the statement said the last payment was received on XXXX/XXXX/15. Not only did Weltman Weinberg and Reise Company LPA lie to me about this, according to my contract I am in default if I do not make a payment within 270 days. During these calls where they were trying to force me into paying the entire debt, I was not even in default of my loan yet. However when I asked to make payments they refused. In summation : they lied about how much was due, they refuse to stop collection activities though I requested verification of the debt and their authority to collect it, and they refused to take payments even though i was still within my time frame to make payments instead of paying the entire sum. I was attending the University XXXX in XXXX when I took out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Auto) with Reliable Credit Association, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There are repeated calls daily. They are requesting my social security number and address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 03/14/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: I was a victim of a fraudulent loan, I never received anyof the money.the loan agent collected the funds & dissappared, went out of business.sold the loan to another company, left me with Morgage payments.home forclosed & left homeless & in debt.

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 01-02-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient calls me at all hours of the morning starting before XXXX. I have ELEVEN calls to my cell phone before XXXX. This is Harassment! I have put in a request to consolidate my loans that has been received by them as confirmed by email and they continue to harass me constantly. The calls before XXXX are absolute harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I made a call to Transunion about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my Transunion and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Ran unauthorized inquiry on XX/XX/2016

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 05/13/2016 about Mortgage (VA mortgage) with United Military Mortgage, LLC (TX).
Issue: Settlement process and costs

Complaint: We refinanced our VA loan with Lowvarates.com The process began about XX/XX/XXXX or XX/XX/2016. Because we were a " streamline '' VA refinance, we did not have to have alot of paperwork done and were advised it would n't take long. We were " about '' to close on several occasions and finally XX/XX/XXXX we got a closing date of XXXX XXXX, 2016. We signed all of the closing papers on Friday, XXXX XXXX, 2016. We understood that our XX/XX/XXXX payment was included in the payoff and we would not have to make the XX/XX/XXXX payment. We went on about our business and on XXXX XXXX, 2016 I received an email from our broker. He sent the email after XXXX p.m. and I read it somewhere around XXXX or XXXX. He advised that there was a mistake in he paperwork and we had to resign the papers. They sent a notary to us around XXXX to sign the corrected paperwork. After the paperwork was corrected we realized that the mistake in the paperwork delayed the funding and they payoff of our old loan did not happen until XXXX XXXX, 2016. At that point, the our payment that we were told was paid in the payoff of the house was 30 days late. We had spent the month of XXXX expecting to close on more than one occasion and did not make the payment because we were supposed to close and were told it would be included. The next morning I emailed our broker and asked about if we would be considered 30 days late, his exact words were, " you should n't. With that said, if the lender does report we will provide a letter to clear it. '' So with that, we were ok UNTIL a couple of weeks later I checked my credit and saw that the payment WAS reported 30 days late and it had reduced our scores nearly XXXX points. Our broker wrote a letter to the mortgage company explaining that we were told the payment was made, but our mortgage company refused to make any change to the reporting. 
Our broker should have told us this could happen! He should have advised us to pay that payment immediately - although it was already after XXXX when he tried to contact us on the XXXX of the month and the payment was more than likely already late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Best I can tell my original lender transferred/sold my XXXX student loans to Sallie Mae around XXXX XXXX during which time ( XXXX - XXXX ) Sallie Mae NEVER once contacted me in anyway to inform me that they were now servicing my student loans. In XXXX XXXX a gentleman contacted me on my cell phone informing me that he was with the NY State Dept of ED and he was contacting me about the student loans I had defaulted on. I stated to him that I was wondering what ever happened to those loans because I have n't heard from anyone or received any correspondence in years. After placing me on hold to review my account he then transferred me to another department who after almost 1-hour informed me that my loan was all XXXX but I had to bring my loan current before I could address it. I was told that I hit with {$77000.00} in penalties, interest and fees which have been added to my original loan balance by the loan servicing company ( Sallie Mae ). The bottom-line is that Sallie Mae took over my student loans which totaled {$59000.00} when it was transferred/sold to them in XXXX and intentionally put me in a situation so that they could run up my bill and hit me with an additional fees ( {$77000.00} ) which as of this writing is destroying my credit, limiting my career/business options and even preventing me from securing a home loan or business loan so that I can provide for my family. As of this writing XXXX/XXXX/XXXX Sallie Mae is reporting to credit bureaus that I am 120+ days late and owe {$130000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I submitted an initial fraud alert request to Experian today, XXXX XXXX, 2018 at https : //www.experian.com/XXXX. After I submitted the request a pop up message appeared that the request is successful and the other credit bureaus will be notified of the fraud alert on my account. I tried to print the pop up message but it printed a blank page. I am expecting Experian and the other credit bureaus ( XXXX and XXXX ) to send me an email confirmation of the successful request. 

In addition, I tried to follow the Learn how it works link of this page of the consumer finance website by opening a new tab and the new tab about : about shows a blank page I am wondering why there are no information on this " Learn how it works '' feature of your website. 

In addition, your website ( consumerfinance.gov ) asked for email address. I provided my email address on the space but the page of your website did not provide a confirmation of the email address. Consumerfinance.gov should provide confirmation of email addresses and mask information like social security numbers.

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 05/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Upon receiving my credit report from all XXXX Agencies I found that TransUnion was the only XXXX to have my former foreclosed property from XXXX on my report. I put in an online dispute but after more than 30 days of not receiving a response I called. When I gave them the needed information to verify my reason for calling she stated that she could not see my dispute. She informed me that she could see that XXXX has me CURRENT : PAID or PAID AS AGREES. I informed her that I foreclosed on that home in XXXX and moved out XXXX XXXX. I sent in all needed verifications including the complete credit report with XXXX circled, proof of the sherif sale that the XXXX XXXX XXXX stapled to the home and all of the notices that several credit Agencies sent to me. I sent all of this certified mail, return receipt request XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX I receive a letter from TransUnion stating " Base on the information provided to TransUnion, our records show that the information you disputed does not currently appear on your TransUnion report. XXXX the post office tells me that the zip code for them online is wrong, and it is. XXXX I was told that they could not find my online dispute, that I know for a fact I did on XXXX XXXX, XXXX and now they are saying that XXXX {$68000.00} is not on my credit report when I am looking at it right now. It clearly states that the last payment made was XXXX/XXXX/XXXX but update XXXX/XXXX/XXXX. So on XXXX XXXX it was seen by their employee but now it 's gone, per TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account is a paid charge-off account. 
In the state where I live ( New York ), the statute of limitations for paid charge-off accounts is 5 years. 
As the first delinquency occurred on or before XX/XX/XXXX, Experian will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/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 03-06-2017 about Mortgage (Conventional fixed mortgage) with Sortis Financial, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company ( ClearSpring Loan Services ) uses a third party ( National Tax Search ) to track property taxes owed. My taxes are due in XX/XX/XXXX. I paid then in XX/XX/XXXX for a discount. I received notice of " delinquent taxes '' in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They say they will pay and start an " impound account '' to collect. This has been ongoing for 4 years. Every year, from XX/XX/XXXX to XX/XX/XXXX of the following year, I call to get this corrected and it continues. They say " Ignore the notices '' and they will contact the third party, but it continues.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX/XXXX/XXXX - hard inquiry.. Was not given permission. 

XXXX XXXX XXXX/XXXX/XXXX -hard inquiry.. Was not given permission. 

Addresses : XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both need to be removed. Old 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 non-monetary relief
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: These companies, I have sent Certified Letter 's on XXXX XXXX, 2017 for Unauthorized credit Inquiry on my Credit Reports, as well as called and disputed these inquiries. I have never authorized such action and this constitutes as a violation of my rights under the Fair Credit Reporting Act 604, as well as a violation of my privacy. Equifax- XXXX Inquires - XXXX/XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX , XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX. XXXX XXXX Inquires - XXXX/XXXX, Equifax XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX , XXXX XXXX. XXXX XXXX Inquires- XXXX XXXX, Equifax XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Credit decision / Underwriting

Complaint: I filed a previous complaint Case number : XXXX related to NationStar Mortgage posting hard copy unauthorized credit inquiries on XX/XX/XXXX that to date still have not been removed. I filed a Dispute to their letter dated XX/XX/XXXX that was very dishonest in the way it was written with a story line made for a XXXX sitcom. To date XX/XX/XXXX the unauthorized credit inquiries still remain on my wife 's and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo previously provided a variety of options that allowed users to schedule the frequency and amount of mortgage payments. 

Recently, Wells Fargo redeisgned the interface of their website and this functionality is no longer present. 

Despite the fact that Wells Fargo acknowledges these features are missing, they continue to reference them on their website. This is misleading to current and prospecting mortgage customers. Additionally, removing the ability to change how mortgage payments are made without notice, after the feature had been implemented for some time, may have an appreciable cost to mortgage customers who are no longer able to adjust their payments.

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