milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (SC).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: Around XX/XX/XXXX i began to fall behind on my payments. I was going through problems at work witch led to me resigning my position on XX/XX/XXXX. I then filed a state and federal descrimination charge witch did not get officially filed until XX/XX/XXXX due to backlog in the state. Due to resigning my position i had to appeal in order to receive unemployment due to the descrimination and other illegal actions taken by my employer i was found eligible to recieve benefits XX/XX/XXXX this also took so long due to state baglog. After searching for the forms for weeks for Continential Credit Portection i finally printed the document and sent in not only the requested information but a very detailed log of what happened with printed court records marked confidential so they could understand why there was a delay in filing for credit protection. I now receive a letter that states credit protection is declied because i was not billed for it during the date of loss. This is inccoret i still am billed every month for FEES, CREDIT PROTECTION, A XXXX DOLLAR PER MONTH ACCOUNT MAINTENANCE FEE. The balance on the account has exceeded my credit line by double in less than 6 months just in fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After my XXXX in XX/XX/XXXX, I decided to go into a XXXX position that I am still working in. I was aware of the Public Loan Forgiveness program and inquired about the requirements. My loans are direct and eligible. I consolidated my loans in XX/XX/XXXX. I asked about whether this would change my eligibility and was assured that if I still made payments, I would be on track for the student loan forgiveness program. In XX/XX/XXXX, I decided to submit my application to see where I stood. I received a response back in XX/XX/XXXX stating that none of payments qualified. I contacted the FedLoan Services at XXXX XX/XX/XXXX to ask about this. They said it was because I consolidated my loan. They listed the eligible payment plans and said that I could pay a 10 year level payment plan and then be eligible. I stated that if I did that my entire loan would be paid off, so there would be nothing to be forgiven. She said " probably. '' I knowingly took a XXXX position, making less than I could in the commercial sector so that I could work towards student loan payoff. Now, after over 8 years, I am being told that my payments are not eligible. Why have a " forgiveness '' plan if you are required to pay it in full. There is nothing to forgive. I do not recall back in XX/XX/XXXX when I did this seeing anything that said a consolidated loan would not qualify. This program is a sham. 
XXXX School : XXXX University, XXXX, MO

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Consumer Loan (Installment loan) with Flurish Inc. (CA).
Issue: Problems when you are unable to pay

Complaint: I contacted lend up to informed them that i was going to be needing an extented payment plan and i was told that they did not have to obey that law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: I was issued a XXXX credit card that was serviced by CapitalOne. On XXXX XXXX, 2016, I received an email stating that my autopay, monthly payment drafted directly out of my checking account, was canceled and that I would need to make payment using other methods henceforth. I was out of the country and could not respond. I have been informed that CapitalOne sold my account to another creditor because I had filed for bankruptcy. I was not delinquent on any payments. The checking account that I used for my autopay had enough to cover the XXXX payment. Also, I never received a demand letter for the alleged outstanding balance. I could have paid it and wanted to pay the balance that I owed them. I did not include that in my bankruptcy filing. I stipulate that CapitalOne has the right to rescind credit extended to a customer. However, it does not have the right to refuse payment and then take action to collect the alleged balance owed. Also, bankruptcy law places an 30 day stay on any collection activity. The bankruptcy was filed on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Refused to provide validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Trouble during payment process

Complaint: We received a loan modification from XXXX  XXXX XXXX in XX/XX/XXXX. Around XX/XX/XXXX, our loan was transferred to Seterus. This mortgage company is horrible to deal with. No monthly statements, billing, no credit reporting of " perfect payments '' for past 4+ years, no call backs, horrible customer service. We owe approximately {$320000.00} on our primary home that was loan modified. I pay monthly, religiously to a XXXX XXXX in XXXX XXXX. Very scary that I have no proper accounting of all of my payments for years!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have a past due debt with jared 's. I became ill 12 months ago and have had difficulty with their insurance protection company not accepting my paperwork and refusing to open a claim. In the process I have made all attempts to make minimal payments, but unable to do so any longer. Jared 's has called 20 times per day, and now they are contacting my family members and disclosing information about our debt. They have called my spouses employer in an attempt to contact me. They are also calling under false pretenses. Pretending to be a tire service and other insurance companies as XXXX and banks, XXXX XXXX. They are also calling and not identifying themselves on caller ID.

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 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Transunion 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 past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am writing today because I have been a victim of identity theft. I have made many disputes and faxed in a police report to Equifax with the following item to be removed from my credit report on XXXX/XXXX/2015. They are refusing to remove these items from my credit file because they are stating that they have investigated the accounts and that in fact they are my account which they are not. I have made a complaint with the Federal Trade Commission and received a letter from them to send to the creditors. I have mailed and faxed all the creditors the letters and they have not updated my account. I am working on getting a loan and these fraudulent accounts are stopping me from getting the loan. The items that I am requesting to be removed are as follows. I am requesting the following items be removed from my credit file. 
XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX Account # XXXX. XXXX XXXX Bank Account # XXXX. XXXX XXXX Bank Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Struggling to pay mortgage

Complaint: I applied for a loan modification due to a substantial decrease in income moving forward ( I 'm XXXX, and am on on SSA retirement ). I was paying my mortgage on time ( never missed a payment ), but it has been a struggle. I had never been delinquent on my mortgage. Nevertheless, XXXX XXXX XXXX had frozen my account online due to a " current bankruptcy ''. I admit that I had a discharged bankruptcy in XX/XX/XXXX, but it did not affect my mortgage, as I had no mortgage delinquent payments. Since then, I have been diligent about keeping my expenses within what I can afford. 

When I was denied the loan modification, the online block was lifted. I applied for an appeal, and the block was placed on my account again. Then I received a notice that my appeal was denied, and I was offered a " courtesy '' change in my loan if I paid a fee. I could not afford another month 's mortgage at this time. I called the customer service line used to ask questions about the bankruptcy statements and hold online. I had to wait 35 minutes to get a person. When I asked why they flagged this as a " bankruptcy '', the response I received was " Because as of this year, we can ''. 

Today I was able to pay my XX/XX/XXXX mortgage online by going to another site. However, the original site still has a hold for " bankruptcy '' on my account. 

I am planning to apply for a loan modification again, but would like Capital One to play by the rules and not make their own.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called the collection agency to make a payment. They refused to credit the account or even give me the collection amount unless I provided social security number. They identified the account and verified the information by address account number and name and still demanded a SSN. 

FCRA and SSA forbid the use of SSN as an identifier. The company and XXXX both refused to take payment without SSN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an item listed on my credit file which is unknown to me for {$6100.00} I have disputed and requested validation several times with nothing ever confirmed. Please help assist

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I went to XXXX in XXXX, Ca. I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: BANK of America is reporting inaccurate information on my credit report. I requested information from them via a certified letter using the FCRA statue 623 on XXXX XXXX, 2015. They have ignored my request & continue to report accounts negatively on all XXXX credit reporting agencies. The credit reporting agencies say it 's my responsibility to provide them with all the proper documents but I was n't born yesterday. I know it 's the data furnishers responsibility to provide all the proper documents when requested by the consumer. I would like this information removed from my report immediately. I 'm including all correspondence I 've sent to the credit bureaus as well to get them to remove & they 've always passed the buck back to the data furnishers.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: I applied for a credit card with XXXX XXXX and they use XXXX XXXX to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. 

They have asked me to contact XXXX to findout why my credit file is negative and I have received no response from them. 

Can you please help me with this matter.

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive contacted Transunion multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. I sent Transunion a copy of my fraud affidavit with supporting documents and a list of accounts that are reporting on my credit file which do not belong to me. Transunion has removed all but one account according to what shows on my credit report dated XX/XX/XXXX. 
There is a Bankruptcy that shows on my Transunion credit file on, dont belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to rcve this information. All I have rcvd from Transunion is a statement on my credit report thats says they verified the Bankruptcy through a third party Company XXXX, but Ive called XXXX spoke with a representative about the verification and was told that no one called from Transunion to verify a Bankruptcy on my file, that they use automated systems to validate accounts by entering consumer data, which sometimes can be in accurate as in my case. I rcvd a copy of my consumer file from XXXX and there is no Bankruptcy showing on my file with them. I forwarded a copy of my fraud affidavit along with my supporting documents which clearly stated that this is a fraudulent file. 
The following Inquiries showed up on my Credit Report, which I have never applied or authorized anyone to apply to these companies in my name for credit, nor have I authorized any credit inquiries from these companies : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX ( duplicate credit pull )

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 07/15/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: My name is XXXX XXXX. XXXX and I live atXXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have not received an answer from the Chase bank as to why they paid XXXX to anyone in my name. Since 2007, I have asked for this information and to date the ChaseHomeMortgage dept. has not rendered same to me. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge.
INQUIRY - XXXX XXXX - INQUIRY MADE ON XXXXXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT.
INQUIRY - XXXX - INQUIRY MADE ON XXXXXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT.
THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS MAKING MY CREDIT SCORE GO DOWN. I WANT MY CREDIT REPORT CORRECTED IMMEDIATELY AND A FRAUD ALERT INDICATOR PLACE ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.

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 01-04-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: we have been trying to short sale our home due to my wife 's medical conditions for the last 2 years I have given them al the required info they have requested we have now been thru XXXX buyers on our home and They still keep asking me for the same documentation every time we give them things as they need it and still have to send more papers every week.here is what we sent them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I worked for XXXX from XX/XX/XXXX to XX/XX/XXXX. I had the HSA account with them. HSA account was maintained by : HSA BankXXXXXXXX, WI XXXXXXXXCustomer ServiceEnglish : ( XXXX ) XXXXXXXXIt was never told to me by XXXX or XXXX ( website via which we hold the hsa account and do various transactions ) and by this HSA bank itself that they are such a high maintenance bank. When i left XXXX - i contacted them ... they told me if i keep the account with them-they will be charging me {$6.00} per month ... I had a healthy balance of more than {$3000.00} always with them so obviously they were making money ... and they pay worst of the interest rates ... if somebody goes to investing ... .they will charge heavily for that ... .finally when transferred the money out of from them into my new HSA account - they charged me {$25.00} for that ... i asked why you are charging me {$25.00} ... they said that they have a lot of maintenance things to do ... .etc ... when i asked who is governing body ... they said OCC ... so i do n't whether it is OCC or CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX account is current, I have been paying for a long time every month on time. The only credit agency that does n't have the information accurate is Equifax. I have disputed several times and they state they verified which is not true. Please help. 
Account is US DEPT OF EDU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am XXXX years old and graduated from XXXX XXXX University in XXXX of 2011. I have been struggling with student loans since I graduated. I had to move back home in order to pay the extremely high monthly payment. I have cut every cost possible, I even avoid going to the doctor or dentist if at all possible. There are no other costs to be cut except for gas and food and I need to eat and I need to drive to work. My car recently broke down and was unable to make all of the payments on it because my student loans cost so much. I have called Navient multiple times trying to resolve this issuing stressing my financial hardship. How when my car breaks I ca n't afford to fix it, when I 'm sick I ca n't afford to go to the doctor ... it 's no way to live. They offer to " help '' me with an interest only payment plan or extending my loan another XXXX years so that way I can pay even more money on my XXXX, XXXX, 11 % interest loans. I declined these offers to " help '' because they are no help at all. I stress the fact that I want to remain a good borrower but I am unable to live life and fix my car let alone go to the doctor for my own health because I can not afford it. I was lied to by being told I have to be late with payments to be eligible to lower my interest rates. Then when I asked multiple different representatives what hardships one who qualifies for the reduced rate program must face I was never given a response and told they can not discuss that with me. As I cried countless times on the phone and asked to speak to someone who can help me and not talk down to me as if I was an idiot I was either given nasty responses or hung up on. I can not go on like this. I want to work with my lenders but they are refusing to work with me and at the very least treat me like a person.

Company response to consumer: Closed with explanation