milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Multiple hard credit inquiries from various institutions i.e. XXXX over past two months requesting various forms of credit lines with fraudulent information impacting my credit scores. Contacted CRA 's and placed a 90 day freeze on my reportXXXX and XXXX immediately confirmed freeze ( written ) and removed fraudulent inquiries. Conversations were had with the fraud departments at XXXX XXXX and XXXX Bank and informed that no request was made for any lines of credit. Alerts per those conversations were added via their internal processes. The paramount concern is subsequent to the freeze, another hard inquiry by a company XXXX, also fraudulent, via Equifax is showing. No confirmation has been received from Equifax as with the other XXXX CRA 's on correction to the fraudulent inquiries either. After hours trying to determine the status the only response is " freeze has been placed ''. This may be due to their internal process/turnaround time but my concern is after the freeze another hard inquiry shows?

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Payday loan, title loan, or personal loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Charged fees or interest you didn't expect

Complaint: Request for FULL VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This complaint is concerning the misrepresentation and inaccurate amount of interest that I was charged for my non-interest portion of my Home Depot Credit Card, both by Home DepoXXXX representatives ( manager ) and Citi Bank representatives. 

when I made a charge for a non-interest portion of my Home Depot account iXX/XX/XXXX ; My wife and i were told from the Home Depot manager, that when i make our normal monthly payments that EVERYTHING above the minimal payment duewould be applied to the non-interest portion of my account. That was not done! 

When I realized it ( 10 months Later in XX/XX/XXXX) was not being deducted from that portion of my account I called Citi bank and told them to deduct what they were suppose to each month and they told me they would. I also told them to deduct what should have been applied from the previous 10 months, I was told they would .They Never did! So Citi Bank Representative also mislead me. 
in XX/XX/XXXX my balance was {$3300.00} i paid {$220.00} my balance should have been {$3600.00} In XX/XX/XXXX they added {$2100.00} in interest. that brought my account to {$5900.00} If they would have deducted all the payments that they agreed to do I only should have a Balance on the non-interest account of {$810.00} so there is noway i should have been charged that amount of interest! 
When I called Citi Bank to get this rectified I spoke to a Supervisor. he told me it was to late to make the proper adjustments to my account. 
I have in the folder for you a written Breakdown sheet of all my payments and dates showing what should have been applied to the non-interest portion of my account.I also attached the XXXX statement that shows my Previous balance and the ridiculous amount of the interest applied. I have copies of all my statements i did not attach them there are to many. but if you need them I will send them to you. 
I have continued to make payments. These adjustments must be made.This is clearly Predatory Lending. Thanking you in advance to sort out 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 06-11-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I was called on my cell phone four times asking for payment for my Kohl 's charge which was discharged in bankruptcy XX/XX/2015. I had referred them to my attorney, yet I am still receiving phone calls asking for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: transunion had fraudulently keep adding the phone number XXXX to my credit report and it has been used fraudulently. I do not have that number currently in use for the last three years. I had the number removed from transunion several times but they keep adding the number back on my report. Their reason was because it was from XXXX, XXXX.i had told XXXX and XXXX several times that that XXXX is not my number XXXX ; I believe the number is being used for fraud and compromising my security with transunion. I also believe someone else has access to the transunion account without me knowing

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 11/16/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Shopping for a loan or lease

Complaint: I recent purchased a car from XXXX toyota and gave my permission to have my credit ran ONCE on XXXX/XXXX/2015. This report came back on XXXX to be a XXXX. Since my application was approved by credit has been ran a total of XXXX other times since without my permission. this has significantly brought down my credit score due to hard inquires which were made fraudulently and without my permission, I would like these hard inquires removed from my XXXX. Since XXXX/XXXX/15 due to these other fraudulent inquires my credit score has when from XXXX to XXXX. Please look into this asap. Attach is the document to show the XXXX report i gave permission at the deal and the other attachment i the hard inquires i did not approve. please feel free to contact me directly. XXXX XXXX XXXX or XXXXXXXXXXXX refer to Case number : XXXX ( this is closed because i didnt reply back in time ) i have reached out the credit bureau but have had no resolution. and want my credit corrected and these hard inquires removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MI).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: ON XX/XX/XXXX  I closed a Jeweler Rewards Card processed through Comenity Bank.  Today (XX/XX/XXXX) I received a statement with $XXXX in charges from XX/XX/XXXX.  The charges were taken care of by XX/XX/XXXXXX/XX/XXXX.  I then called Comenity Bank and asked them why my account was open.  They told me it was closed.  I then asked how charges could be processed to a closed account.  The customer service representative said I would need to speak to a supervisor.  After 10 minutes the CS representative came back and said he could waive the charges.  I told him that was not the issue, the issue is that the account should be closed and there is a problem somewhere if charges were allowed to go through.  He said he understood but he didn't know how to take care of that.  I then asked to speak to the supervisor to whom I was going to previously be transferred.  Instead of transferring me, he put me back to the automated system listing account details, etc.  I need to know this account is permanently closed and these charges will never occur again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2016 about Credit card () with DISCOVER BANK (GA).
Issue: Delinquent account

Complaint: I went XXXX XXXX military XX/XX/2013. I had an outstanding balance of over {$1000.00} on my discover card. I left my finances in control of my financial broker as I was unable to control my accounts. After I left, my discover account had a fraud alert and was locked out. My broker was unable to regain access to pay the bill off the following month. When I regained control of the account I paid the debt in full. However, I was charged with a 30 day delinquency on all my credit reports. I have contacted Discover with this information on a yearly basis and even provided my military XXXX. Although this is considered a valid charge the negative impact on my credit is damaging my job field in the military as I have a XXXX in jeopardy. 7 years is a long time to punish someone with a good history of bill paying considering I had no control over the account and was on XXXX XXXX at the time. I would like the 30 day delinquency removed from the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After reading about the CFPB lawsuit against Navient, I believe I am victim to some of the alleged misdeeds by Navient. First, I was denied a cosigner release despite having a household income above $ XXXX. Second, I have been unemployed and without income as a XXXX since XXXX 2016, and Navient did not inform me of an income-based repayment option ; I was ushered into forbearance for the past year. The private loans are set to come out of forbearance in XXXX with a year 's worth of interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ).
Issue: Fraud or scam

Complaint: I was a victim of internet and money-gram fraud. This scam Artist posed as an out of town homeowner with home for rent in XXXX, Arizona. He had a XXXX profile as well as a XXXX profile. I first contacted " XXXX XXXX XXXX '' on XXXX XXXX, 2015 @ XXXX via text message, stating that I saw his listing for a XXXXbdrm home. He responding back via text asking me to go by the home and see if i like the location. XXXX XXXX then confirmed my email address and emailed me an application on XXXX XXXX, @ XXXX. we continued to emailed correspondence back and forth until he had all of my information needed to rent. We also had been texting and and having phone conversations as well. on XXXX/XXXX/2015 I decided I was going to put down a deposit to hold the house until I received my paperwork to move forward. I made a hasty decision due to not wanting to run out of time. Plus I thought the house was lovely and it was centrally located. I put the deposit of {$400.00}, sent by money-gram on XXXX/XXXX/2015 @ XXXX. The customer service representative asked my for my social security number and my drivers license and a current bill with current address and stated that was normal protocol. I then started to feel like I made a mistake, something was just not quite right. By the time I made it home and did a little research, almost an hour had passed. I then called Money-gram to flag this person which he had already picked up the money and It was too late for me to intercept payment. they stated that He would be flagged in all of money-gram and national database.I then kept in touch with this person and his 'Attorney '' XXXX XXXX XXXX for another 2 days until the contact ended.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My information has been compromised as a result of the Equifax security breach. I have pulled my reports and have been unsuccessful with removing fraudulent inquiries listed on my credit report with submitted documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2015 about Debt collection (Medical) with National Credit Systems,Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: after being denied a home loan i pulled a credit report, and found this collection. I was not informed of my right to dispute allowed to set up payments or informed before added to credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Checking or savings account (Checking account) with Sarma (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a charge off on my credit report from XXXX XXXX XXXX XXXX FOR XXXX . I  have paid off through sarma online on XXXX XXXX,2017. I have called sarma and they state account with XXXX XXXX XXXX XXXX will be updated the XX/XX/XXXX, was not done. I called sarma again and they stated they will email XXXX XXXX letting them know I have paid off, called XXXX XXXX and they stated they are still waiting on Sarma. I am in the middle of purchasing a house and I am getting no where with these two companies. I have even faxed the receipt over to XXXX XXXX XXXX XXXX showing I have paid and still no updates on my account nor credit report. Last option.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Southwest Credit Services put a collection on my credit report onXXXX for XXXX XXXX and then posted a false payment on XXXX to keep it on report. XXXX XXXX has no record of me having an account with them using my name, address, old phone number and ssn. I have never been contacted by Southwest. If a true payment was made I want to know the account it was paid from because it was not mine. Southwest has many similar complaints on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Even with the income-based repayment option, the payments are through the roof. They only take your pre-deduction income amount. I live in Illinois where the taxes are sky high and Insurance costs are the same. I lose about half of my check to deductions. I wish they would care enough to take this into consideration. Why base a payment repayment plan on a dollar amount that is n't the actual dollar amount you have as income. This company does not care about the individuals who are struggling to make ends meet. They only care about getting as much out of you monthly as they can until you pay off the loan or die. Knowing what I know now, I would have never even went to college.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I closed a loan with the Bank of America in XX/XX/XXXX to purchase a home in the City of XXXX, MD. The title, Deed, Deed of Trust, and Deed of Trust Note were notrecorded with XXXX XXXX by the title company, so the title is not in my name. I did not purchase title insurance for myself, but I bought title insurance for Bank of America, the lender, when I bought the house. The title company went bankrupt at least 5 years ago. 
Bank of America required an escrow on this loan, that is to pay taxes, insurance and the payment on the loan. 
The problem is that I rented this home to a family and they stopped paying two years ago. When I attempted to have them evicted, I found that I could not, because the title is not in my name, but in the name of the seller. 
I notified Bank of America that the title was not in my name in XX/XX/XXXX. Nothing happened. I sent Bank of America a QWR noting that they were taking my mortgage escrow payments and paying for a home that is not in my name. 

Bank of America should have known this since they were annually updating the taxes to be paid. They would ordinarily check to see if the home ( their security ) is in the borrower 's name. Apparently Bank of America did not. 
I contacted CFPB XX/XX/XXXX. This is Case number : XXXX. 
I believed that you closed this case or deferred it because Bank of America told you that it is in litigation with me over this matter. I am now not in any litigation over this matter. I wanted Bank of America to provide me some financial reduction in the loan because of the losses that I incurred due to not being able to earn any income on the property. I must pay {$1500.00} a month on the loan, but have no income. Bank of America refused. So I signed the document to replace the lost documents in order to record the home in my name. So I have no litigation with Bank of America concerning this loan. 

However, as of today, the home has still not been transferred under to my name. Bank of America is taking my money, and has no incentive to finish the process of placing the home in my name, so that I can manage the home. 

I am current with the mortgage note, because I do not want to have bad credit. Bank of America is taking financial advantage of me. They wo n't place the home in my name. The attorney that the title insurance company hired to represent Bank of American is acting slowly. Bank of America wo n't reduce the debt ( the value of the home is now {$100000.00} and the debt is {$210000.00}, the home is in a declining area ), and Bank of America wo n't even let me refinance under HARP to reduce the interest rate from 7.5 % -- because the home is not in my name. 
This can not be a publicly acceptable response by Bank of America on one of its mortgage loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Medical) with Grant & Weber (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Several request have been submitted to this agency and the credit agencies to validate and provide proof, nothing has been received nor any proof or validation of ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: There are accounts listed on my credit profile that have inaccurate information listed as well as unverified information. I sent Transunion a follow up to my initial dispute requesting that the company provide me with the method in which they verified the inaccurate information on my credit profile. My request was received and the end result was yet another investigation and no information on how the data on my credit profile was verified.

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 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MD).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I paid the complete balance due of {$240.00} on the date before it was due,  XXXX . I now have a bill for {$3.00} when my balance should be  XXXX . I filed a complaint previously about this credit card company,  Case  number :   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 monetary relief
Consumer complaint received 10/15/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receiving repeated calls from the following number : XXXX. They call at least twice a day and often more times than that. A check on XXXX show that the number is connected to a company called Midland Credit Management.

Company response to consumer: Closed with non-monetary relief