milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have not been able to use a monitoring service with Experian for 2 months. My credit report has not updated since XXXX XXXX, 2016 and I have been in contact with the Executive Management with Experian since XXXX/XXXX/2016. I have made 32 phone calls with regards to this since XXXX/XXXX/2016 and spoken to XXXX different people about this issue and I have not been helped. After several months of contacting the staff members of Experian and not being helped I contacted the corporate office who promised me return phone calls, but they never called me back. After reaching out to the corporate office and not being contacted back I contacted XXXX XXXX the Vice President of Information Services by phone and email and she refused to respond to my phone messages left or emails sent. No one at Experian is concerned with the fact that I as a consumer ca n't access my credit report. 

I was a member of Experian 's XXXX Website that should have allowed me receive updated credit reports and scores on a daily basis, but as of XXXX/XXXX/2016 that service no longer worked. Even the people within the credit monitoring department at Experian ca n't update my credit file, but they have not cared one bit to fix this issue or assist me in any regard and this constitutes a breech of contract since I purchased their service that would allow me to update my credit reports and update my credit score on a daily basis.

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 06/22/2017 about Student loan (Private student loan) with MOHELA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Dealing with MOHELA, the servicer of XXXX student loans. I have 2 student loans currently serviced by MOHELA. I signed up for auto-draft with the first loan. When my second loan began to be serviced by MOHELA the auto-draft did not update to include the second loan, nor is there an option online to include the second loan in the auto-draft. To make a payment, which is now late, I can only make individual payments at the loan level which is also confusing since my summary page shows only a snapshot of loan # 1 and thus makes it look like I have no overdue amount or payment due. I 've called the company multiple times and was informed that the only way I can sign up the second loan for auto-draft is to call the company and ask them to send me an additional form, which is not made available online. After calling and requesting this form 3 times I have yet to receive it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: TO whom it may concern I was in XXXX working as a XXXX at the XXXX and left my account info in my book self at home in XXXX and Some how some one got hold of my debit card and pin number for my personal and business and tried to deposit bad checks in my checking accounts and my bank of america accounts was closed! Once I found out what had happen I called and explain my story but they said I was responsible if i did write my pin down in a business folder and I did n't file a police report me being in XXXX and this happening in another state I didnt know how to go about filling. as a result I was banned from bank of America forever! Also I have been reported in the XXXX with fraud on my account not being able to open checking accounts at any bank in any state reflecting my credit. Im a victim for Id theft most likey buy a family member. I am been treated like a criminal. I did nothing wrong. I would like for my accounts to be reopen with the funds that where there when i left XXXX. I think bank of america should have called me when these transaction happen so I could help stopped all of the head ache I had these two years please help my solve these issues thanks for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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 made 2 disputes to Transunion and XXXX to remove a paid state tax lien from my report as it does not meet the XXXX XXXX, 2017 pii requirements, they continue to respond as accurate/updated. They are not complying with the new requirements and did not truly investigate my dispute as I have a copy of the original document filed from the court house. There is only name and address, no date of birth and no full social security number ( it is retracted on all of their documents ). The credit agencies are lying, they obviously are not doing the investigation and/or they do not truly have access to the original documents filed in which case they shoud have removed them. Instead they just lie about having it verified/updated. This is in complete violation.

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 08-12-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I graduated from college in XX/XX/XXXX. Yesterday ( XX/XX/XXXX nearly 5 yearsafter graduation ) I received a letter from XXXX XXXX XXXX regarding aprivate loan. When I called XXXX they informed me that I had a loan with Chase inthe amount of {$5400.00} at a 8.750 % interest rate. XXXX informed me that Chasewas no longer servicing this loan but they were. I informed them that for the past 5years I have NEVER received any type of letter or bill from Chase regarding anystudent loan! They have failed to provide me with the proper paper work regardingthis student loan ( of which they currently have on file considering XXXX knows myaddress ) and also failed to inform me that they were no longer servicing my loanbut that a different lender would be! XXXX also informed me that my father ( XXXX ) who I have n't spoken to in at least 3 years has been paying this bill. Iwant to know why no documentation was ever sent or forwarded to my homeaddress regarding this loan until now? I find this to be unprofessional andunacceptable. I could 've defaulted on this student loan because of their inability toprovide me with proper documentation! I requested from the XXXX representativethat the original promissory note be forwarded to my home address regarding thisloan immediately! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: BACK IN XXXX/2017 I SENT COMPLAINTS TO CHEX SYSTEMS CONCERNING ACCOUNTS THAT WERE INCLUDED IN MY BANKRUPTCY AND COMPLAINTS TO ALL THE BANKING INSTITUTIONS CONCERNING MATTERS THAT WERE REFLECTING AS AN OPEN COLLECTIONS UNDER MY NAME WITH CHEX SYSTEMS. I RECEIVED A RESPONSE FROM ALL THE FINANCIAL INSTITUTIONS STATING THAT THESE ACCOUNTS WOULD BE REMOVED FROM CHEX SYSYTEMS. 

TO DATE CHEX SYSTEMS HAS NOT REMOVED THESE ITEMS AND THESE COMPLAINTS WENT THROUGH THE CFPB BECAUSE CHEX SYSTEMS REFUSED DELETE THESE COLLECTION ITEMS FROM THEIR FILES. PLEASE FIND THE FOLLOWING COMPLAINTS NUMBERS : XXXX CHEX SYSTEMS XXXX CHEX SYSTEMS XXXX XXXX XXXX XXXX CHEX SYSTEMS , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHEX SYSTEMS , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I RECEIVED RESPONSE FROM A BANK INSTITUTION THAT MY SCORE IS VERY LOW WITH CHEX SYSTEMS DUE TO THE FOLLOWING : Chex Systems Consumer Score : XXXX Scores range from a low of XXXX to a high of XXXX. 

Key factors that adversely affected your credit score :  XXXX PREVIOUS DEBIT INQUIRY HISTORY XXXX CREDIT ACTIVITY : EXCESSIVE RECENT INSTALLMENT TRADES XXXX REPORTED DEBIT CLOSURE XXXX DELINQUENT OR DEROG CREDIT BEHAVIOR XXXX CREDIT AND CHEX INQS MAY HAVE ADVERSELY IMPACTED THE SCORE

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 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Attached to this complaint are XXXX pages:1. Shows the investigation completed by Experian for Report Number XXXX. 
2. Page XXXX shows a XXXX XXXX account listed under " Potentially Negative Items '' 3. Page XXXX shows a XXXX XXXX account listed under " Accounts in Good Standing '' PAGE XXXX and PAGE XXXX ARE THE SAME ACCOUNT AS REPORTED IN ALL OF MY EMAILS, CERTIFIED LETTERS AND CFPB COMPLAINTS!!! 

THIS IS ILLEGAL AND FRAUD!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: good morning all you hard-working folks, my wife and i had the typical foreclosure due to underwater bubble burst situation back in 2010, the lien holder XXXX went bankruptand you guys ( government ) took over the mess they left, anyway, this company name GREEN TREE servicing LLC, XXXX az XXXX tel # XXXXXXXXis on us day n night for the balance of XXXX +- a few bucks ; under account # XXXX, for our former home located at XXXX fl XXXXwe wrote to them that, we are cover under the forgivness program and they wont stop, we would love your help to make them REMOVE this negative from our XXXX credit reporting agencies reports and from GREEN TREE collection dept, BY-THE-WAY, they had remove it from XXXX XXXX XXXX credit report and after XXXX got on their case for not removing from her, they put it back on XXXX XXXX XXXX XXXX reportsthanks so so XXXX & XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I purchased what was marketed and presented to me as new vehicle on XX/XX/XXXX from XXXX XXXX XXXX located in XXXX, OH. I signed a finance agreement for a new vehicle. On XX/XX/XXXX I went in for routine maintenance for the vehicle and was told that my warranty was expiring in 44 days. I asked how this could be when I was told that the new vehicle has a XXXX month XXXX mile warranty on the vehicle and that my vehicle was a certified preowned vehicle and not listed as a new vehicle. I reviewed this with the salesman who brushed it off. I contacted XXXX Customer Service and was informed that my vehicle was indeed a certified preowned vehicle. I brought up my concerns to capital one auto finance dealer complaints department. I was contacted by a representative today XX/XX/XXXX I was informed that she ran the XXXX report on my vehicle and it also shows the vehicle as certified pre owned vehicle. The Capital One Auto Finance representative then advised me that she reached out to the dealership and was told by the dealership that the vehicle was a demo car and not a new car and that they do not require the dealer to disclose this information unless it is a requirement by state law. I advised that in the state of Ohio they are required to disclose if the vehicle is a demo and the capital one rep explained that it was nothing that they could do because the vehicle would meet new vehicle guidelines per the company policy because it has under XXXX miles on it at the time of the sale. I asked for some proof that she was told that the vehicle was a demo vehicle and the rep at Capital One Informed me I have it already if the information that I have is showing that the vehicle is preowned and if I needed anything for a lawsuit that is the only time they are willing to help. Capital One allows this type of deceptive business practice. I should not have paid new car prices for a pre owned demo vehicle that was not disclosed to me. This is affecting the value of my vehicle and it not what I agreed to and am paying for. I attempted to reach out the dealership who assures me that the vehicle that I purchased was a new vehicle and not a certified pre owned as listed in the XXXX systems and on XXXX reports. When I asked why XXXX and XXXX are saying otherwise he was not able to offer me any explanation and could only say the vehicle was a brand new vehicle and that is why I received a tax rebate. I asked why would a new car have a certified preowned warranty? The only response I received was I do n't know. When I asked if the vehicle was a demo he said that you can call it that and maybe it was used by the dealership employees or some customers may have driven it. The General Manager offered no solution to the problem. I am stuck with paying new car price for a certified pre-owned demo. What I agreed to finance is not what I received and have been paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX, I was in a bad XXXX accident that caused me to fall into financial trouble. In XXXX XXXX, I was able to make a payment to catch up my mortgages that would have left me in good-standing as of XXXX XXXX, XXXX. After paying the full payment amount they indicated after going through their automatic system and speaking with XXXX people ( $ XXXX {$160.00} ), they stated that they only received $ XXXX {$160.00} and it still does not bring my accounts to good-standing regardless of the statements and information given to me. Even after confirmation with my Bank stating that they received the full payments of $ XXXX {$160.00}, Freedom Mortgage has continued to state that they can not find the money or that it has been misapplied but are not resolving the issue. They continue to delay and are refusing to resolve the issue after a month of continual calls and interactions.

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 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I move out from my apartment, I move to a different state. I terminated my lease. The apartment complex charge me early termination fees and more. The manager of the apartment sent out final bills to the wrong address, I never received a final bill from them or phone call. Years later I check my credit report and I notice a collection company trying to collect in behalf of the apartment complex. I did not denied that account is mine. They are charging me {$6600.00} dollars in termination fees and other fees. However, I have a Lease Contract Addendum that states I will only pay {$2100.00} as a early termination fee. They waived their right to charge anything else. I 've tried for a long time to get this corrected and the collection company will not call me back, i leave voice mails and no reply back. They just reported to the credit reports again XX/XX/XXXX that I still owe {$6600.00} dollars but they wont call me back. They keep damaging my credit and because of them I can not buy a house. I need them removed out of my credit. They do n't want my money then close the account and have them stop reporting negative incorrect information to my reports.

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 03-02-2016 about Debt collection (Credit card) with CITIBANK, N.A. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My Macy 's account managed by Citibank was written off in XXXX. The balance was moving around to different companies after the write off. That added money to the balance. Citibank took the balance back for the collection agencies and issued a XXXX in XXXX for the higher balance. I wrote the CFO of Citibank by certified mail but he did not answer me and I wrote the XXXX and they did not answer me. But this activity is a violation of XXXX XXXX, Citibank can not keep a AR on their books that was written off in XXXX and then issue a XXXX in XXXX. This misstates their treasury requirements with the Fed and misstates their filingswith the SEC, plays with my credit reporting and distorts my rights under XXXX code regarding the reporting of income. Is this what Obama agreed too?

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 06-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: I have an ongoing nightmare with my deceased mother 's co-op in XXXX NY XXXX. Original investor Washington Mutual offered Mom offered Mom a second mortgage totaling {$240000.00} in XXXX, with XXXX as the servicer. This was bought by JP Morgan Chase in XXXX, XXXX when XXXX went out of business for mortgage fraud. My mom was not qualified to fulfill this contract in XXXX when it was approved by JP Morgan Chase and XXXX : she was then XXXX and living on only {$25000.00} a year in social security. Though they do not admit it, there was a law already on the books prohibiting this unfair practice. 
But both the past servicer, XXXX XXXX XXXX, and present servicer, XXXX, as well as XXXX are unwilling to help with either a principal reduction or deed in lieu of foreclosure. The XXXX XXXX XXXX made sure to unload this toxic situation before they faced the {$17.00} XXXX mortgage fraud penalty in XXXX XXXX, obviously so they could avoid helping the consumers in trouble. XXXX coldly declares " it is our policy to not complete a mortgage release on a co-op. '' After she passed away in XXXX, the servicer has scheduled foreclosure twice, cancelling it XXXX times. It is now 'in foreclosure ' again since XXXX, but no sale date is set. I also live on limited income and can not afford to take over the deeply underwater mortgage. 
There was no reasonable expectation they would ever be repaid the loan amount of {$240000.00} due to Mom 's severely limited income, advanced age and lack of assets. They have taken no accountability for loans that should never have been approved. But the creditors hold all the legal cards in the present legal atmosphere.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is reporting a loan that I paid off as being delinquent. I paid the loan off in full in 2016. It is still reporting negatively on my credit. I called XXXX XXXX and confirmed that I did not have any outstanding loan balances with them.

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 10-07-2015 about Prepaid card (Government benefit payment card) with Comerica (WI).
Issue: Unauthorized transactions/trans. issues

Complaint: XXXX XXXX, offered this card directexpress debit mastercard to put my social security XXXX payment on on the XXXX/XXXX/15 I made a transaction on a XXXX atm machine of {$160.00} witch would of left me {$110.00} something on my mastercard a couple of days went by and I call directexpress card XXXX and the amination service said something was wrong with my card and I had to talk with somebody but the amination said they were to busy to check online to see your account and tranactions when I did all it would let me see is a fraud problem and my balance of XXXX cent something like that it would n't let me see the transactions so all I know at this time is my card was stopped and cant get a hold of directexpress XXXX so I finally got throught by XXXX of there numbers they said they put a fraud alert on my card and ask me about a international transaction of {$47.00} something and a {$42.00} something transaction with a marketing place I think called XXXX that 's all the info they would give me I asked directexpress why I could n't see my transcation online but ownly you can no explanation I said I did n't authorized these transactions all they said is they have n't went through yet call back in two days but I did n't wait I called the next day in the evening time and fond out they let the transaction go through and I had to buy a nother card because I receive a new XXXX cause of the XXXX store scam with I never asked for, so I had to buy this card and file a complaint to get my money back from this international transaction that I have NO INFO TO PUT DOWN ON THIS COMPLAINT I ASKED FOR A TRANSACTION STATEMENT TO BE MAIL WITCH IS 5 DAYS or more but three weeks before that I ask for my account info in the mail never received and I do n't no if it is coming now XXXX/XXXX/15 and if this international transaction market place say I authorized this I lose my money witch they did to me two years ago I lose a {$100.00}. I had to send this form your wed page is expiring

Company response to consumer: Closed with monetary relief