milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing this complaint against  XXXX . I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: i was attending college at XXXX and XXXX. at the time the only loans i could get was thru XXXX aka navient and that is with my mom as a co-signer on XXXX of the loans i took out. once i stopped attending college around XXXX my debt to them was roughly XXXX, i couldnt make the payments they wanted me to make pretty much forced forbearance unto me. in XXXX i decided to try to finish school by attending an XXXX so i could continue working full time. by XXXX my " in school forbearance was up '' and they said i had to start making payments of that time the debt was roughly around XXXX. i advised them i couldnt make the {$900.00} payments and offered to make payments of roughly XXXX given my income and the needs of my son and they only solution they could offer me was another forbearance, no income base program no nothing. they had it listed on some of their documents and website that during any forbearance i could make {$25.00} to keep the interest off. During the winter of XXXX early XXXX i was informed i was no longer able to take anymore forbearances and they would accept payments no less than XXXX a month for a debt of XXXX. in just 3-4 years it doubled. because of this jump i had to move in with a friend instead of keeping my own place where my XXXX son could come and visit to try to swing any amount of money i could to try to make the payments. I made roughly 3-4 payments of XXXX the best i could do still wasnt the amount they wanted however. after realizing i would be homeless if i kept it up i filed for chapter XXXX protection to stop being hammered by their outrageous interest rates because private student loans couldnt be wiped clean or reduce using a chapter XXXX once they found out i was going into chapter XXXX they attempted to do an IBR but it was still in the ball park of XXXX dollars according to them. i proceeded to file chapter XXXX because it was the only way to escape their XXXX plus calls a day starting roughly XXXX and ending sometimes at XXXX. it also prevents per my attorney from adding on any interest to it though i suspect once chapter XXXX is over in 5 years im sure they will be waiting to add on another XXXX easily. because of all the interest that has been tacked on i am unable to buy a house or buy a car anymore because of income to debt ratio. because of these loans i have to work my self to death just to try to provide for my son and also to make sure my mom doesnt inherit any of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am contacting your agency to ask for your assistance to get a debt collection to remove damaging never account from my XXXX credit report. I have contacted XXXX several times requesting they contact this debt collector to validate this debt i supposely owe. After several attempts to get this situation resolved i decided to reach out to Consumer Financial Protection Bureau. XXXX and/ or refuse to provide any evidence that this debt belong to me such as signed service contract, copy of driver license or etc to validate this debt i supposely owe. I am demanding AFNI removed this debt from my XXXX Credit Report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with EOS Holdings, Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid off my XXXX account in XXXX with EOS-CCA from XXXX a debt collector from XXXX. I settled and paid my debt in full under the terms that EOS offered me. 
I am applying for a mortgage and need to have a letter sent to me showing this debt has been settled and need this to reflect in my credit report. My account number is XXXX. 
They refuse to report the debt as paid in full and keep stating it is XXXX 's duty to do so. I have contacted XXXX and they tell me it is EOS_CCA responsibility. I do n't know who to believe. 
I need a letter to be sent to me that I have paid this off and I need to have this information reflected on my credit report as soon as possible. Thank you. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Vehicle loan or lease (Lease) with BANK OF THE WEST (AZ).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: this is an addition to complaint # 's XXXX & XXXX against Bank of the West in relation to my vehicle lease initiated XXXX and paid off XXXX. In my complaint XXXX I asked BOW to supply me a full accounting of my lease with them. They sent me a " Transaction History '' that shows no beginning balance, no running balance, and no ending balance. While further reviewing the " History '' I noticed that XXXX of my XXXX payments that I made to BOW in XXXX XXXX are not reflected on the History. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a phone payment with a person at BOW in the amount of XXXX. Confirmation # XXXX. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a XXXX XXXX  by phone in the amount of XXXX}. Confirmation # XXXX. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a XXXX XXXX  by phone in the amount of {XXXX}. Confirmation # XXXX. 

The payments on XXXX & XXXX/XXXX/XXXX totaling XXXX  are not showing on the History. 

I demand immediate repayment of those funds to me as this lease has been paid in full based on the payoff package BOW sent to my financial institution. A payoff amount that obviously does n't include the XXXX  payment I made. 

This is really getting ridiculous. I have never in my life had a bank lose so much money is so short a period as BOW has. Imagine these losses in less than XXXX  months extrapolated across a full XXXX month lease. 

I am attaching BOW 's History and my bank statement showing all XXXX payments were paid by my financial institution well before the payoff amount was given to my financial institution in late XXXX XXXX. I feel this XXXX was not reflected in the payoff and the funds should be returned to me. 

I have contacted BOW twice about this and they just keep putting me off. I will not just give up on my 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 07/20/2017 about Mortgage (Conventional home mortgage) with Eagle Home Mortgage, LLC (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was told my eagle home mortgage on XXXX that I am conditionally approved for a loan to purchase a new XXXX XXXX. I provided all the conditions they needed and thought everything was good to go. Then on XXXX which is 3 days before closing they told me I am now not approved because I have not been with my current job for 6 months. This is information they already had since day 1. They have wasted my time when I could have gone with another lender to begin with. Now I wont be able to close on my home and potentially lose out on the house all together because of their incompetence and lack of communication. Throughout the entire process that was started with pre approval on XXXX they have not been forthcoming in communicating with me. When I would ask for an update I would get excuses as to why my loan wasnt being worked on or further along. I have been told everything from management issues to was on vacation. I feel like they have caused me unnecessary stress and wasted my 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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been attempting to place a credit freeze with Equifax do to their gross mishandling of my personal information. 

Their system via phone and internet methods, are reporting that credit freezes are 'not available ' when I attempt to activate my freeze. 

I called their customer service line at XXXX and was told that they are no longer offering credit freezes and I have to purchase their monitoring product. Florida state law allows me to have a credit freeze. They are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am a card holder and have been one for some time. I have never experienced a problem until this month when one of your practices, obviously designed to deceive customers and trick them into late payments for which you receive additional fee benefits, caught me too.
The due date remains constant but cycle dates change which misrepresents when obligations are due and credited. My due date is the 6th. I made it on the 8th and you credited it to the month prior to the 6th and since I thought my payment was made I tendered no additional payments until I received a call notifying me my payment for XXXX was applied as an extra payment to a former cycle making me late. 

The customer service rep was nice and required me to make a double payment immediately. 

You should not be allowed to arbitrarily apply payments to enhance your fee income. I also believe the double payment was arbitrary, unnecessary and saddled me with an additional amount due, which I did, but it I believe it is overkill. 

I have had this care for a long time and have a balance now because I am doing some home improvements. I plan on paying it off in the next couple of months and will likely close out this relationship because of this unethical and possibly illegal practice. 

I will be sending this complaint to the Office of the Consumer Financial Protection Bureau in the hope that it will open an investigation and possibly to force you to return to fair credit practices. I also wonder how many other consumers have suffered because of this practice. 


Sincerely, XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Upon trying to get a vehicle loan I found out that USAA was reporting a charge off on my credit. So I called they ran me around then said a unpaid fee was on the account and would be backdated to the payoff I made in XXXX of XXXX. I have spoken to them in social media they say they would correct and back date. They have n't I have contacted them directly they said they would back date they have not. Then I contacted they BBB and they contacted usaa said it would be back dated now they whipped the reporting of XXXX and XXXX but left a failure to pay mark for XXXX XXXX on my credit. I need resolve and this fixed right its is hurting my credit bad as history is 35 % of a credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (Other mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Loan servicing, payments, escrow account

Complaint: Unreported surcharges which appear in the mortgage report.

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 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Critical Resolution Mediation LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: called with voicemail saying they would contact my job and named my employeer and also that i will be having a case filed against me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 12-07-2016 about Student loan (Federal student loan servicing) with ACS Education Services (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a XXXX Loan with ACS Education Services. I have submitted XXXX deferment forms in the last 3 years. They say that they process the form XXXX5 days after receiving the form, but that has never been the case. My deferment forms have been neglected for weeks and only processed after I emailed them. This time, it has been 8 weeks, and they are not even responding to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Medical) with NRA Group, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company withdrew money from my bank account after I advised them they did not have permission to withdraw funds from my account. They refused to provide a settlement offer of no less than 60 % of the amount. They refused to refund money that they withdrew without my consent and they charging for fees for NSF in which they caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested a copy of my credit report via Annual credit report. I contacted Equifax on XX/XX/XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Equifax stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Equifax because they had no record of my ever applying for credit with them and stated it was Equifax 's error. I sent a letter via certified mail on the same day, tracking number XXXX which they received XX/XX/XXXX requesting again for a the credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Equifax explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Equifax even after it has been brought to their attention : XXXX XXXX XX/XX/XXXX ( fyi, I have been with XXXX for last 8 years ), XXXX XXXX XXXX XX/XX/XXXX ( please be advised that per XXXX XXXX the XX/XX/XXXX inquiry was a promotional inquiry and that only the XX/XX/XXXX is a hard inquiry because that I when I opened credit with them ), XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX ( XXXX did state that they would provide a letter to Equifax to remove the inquiry since I did not apply ). 
I am requesting that Equifax, immediately remove the aforementioned credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Vehicle loan or lease (Loan) with CITIBANK, N.A. (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: My car Title from the NY DMV shows a Lien from Citibank. l have had this car from XX/XX/XXXX and can not recall my borrowing or pledging the title for a loan.l have contacted Citibank as well as XXXX XX/XX/XXXXand neither of them have any records of loans to me against this vehicle..l then contacted My Title Support, com for assistance but their response again showed that there was no account.l therefore need a Release of Lien or a Letter of No Interest so l can produce this as evidence that there are no liens on my car TitleI have exhausted calling and faxing to different agencies in the hope of getting this resolved but unfortunately l have been unsuccessful ... I need Help

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 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed the XXXX account on my Experian Credit Report about 5 times now, going all the way back to XXXX XXXX. Experian keeps reporting this account as being paid off and closed On XXXX XXXX. That is incorrect information. This last dispute I even faxed them the original payment receipt from XXXX XXXX XXXX XXXX XXXX XXXX It says this account was settled and closed on XXXX XXXX, XXXX. I have been trying to get this fixed for just about a year now. I either want this account to reflect the correct information saying that this was settled and closed on XXXX, XXXX or DELETE it! The XXXX XXXX # is XXXX. Because this has been getting reported wrong or because Experian is updating the disputes wrong, it has caused me to have a higher interest rate on a motorcycle that I have recently financed. Also we are trying to buy a house and we are going to have to go with a loan that has a higher interest rate and also a loan that we will need to carry pmi insurance. This needs to get corrected ASAP.

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 02/28/2017 about Credit reporting () with Credit Karma, Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I reviewed my credit report on Credit Karma and noticed that my XXXX report has been effected. As a result all of my inquiries from my XXXX report were removed on XX/XX/2017 and added back to my credit report as new inquiries. They also removed my only collection XXXX and placed as an active account during the same. The information has not been corrected and still shows the same information as of today XX/XX/2017. This is detrimental to my credit report as it is not only incorrect information but it is also interfering with and prohibiting my process of buying a home. I have attached all documents showing how inquiries were removed and added as new inquiries and collections being removed and then added as an open account. I contacted XXXX and they are stating that they are not responsible.

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 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: In XXXX 2017 I booked a family cruise on XXXX XXXX XXXX. I used my Chase card to make the payment. I have always met my obligations regarding the credit card agreement as far as making payments timely. While onboard i patronized the Casino. I later found out that XXXX is notorious for deceiving and fraudulently cheating customers in the casinos on board. I was told by XXXX employee ( the hostess in the casino ) that I can used my onboard room card to play up to {$3000.00}. The limit on my Chase card wsd {$3500.00}. 
While in the casino I played mostly from winnings as well as spending money I brought onboard. I went to a Casino patron to check my balance they advised the couldnt tell me i would have to go to guest services. I figured since i could only use up to XXXX based on the Casino rules and my limit being {$3500.00}. I could not exceed that. I won {$2700.00} and played mostly from that. So imagine my shock when on my way off the ship i was given a bill from the casino for {$6800.00} approximately. I emailed XXXX and requested an detailed itemized reciept of winnings played as well as the amounts played from the onboard card. I have yet to receive that. 
To my complete surprise Chase bank accepted the charges for almost double my limit. I called Chase to question why they would accept a charge for double my limit when that was not our credit card agreement. Had i tried to purchase an item for {$6800.00} it would have certainly benn declined. Chase agreed to take a partial amount off to honor the card a agreement. The balance i would resolve through XXXX once proper billing had been supplied. After making a large credit card payment chase went ahead and added the balance back without my knowledge. They have made no attempts to resolve the issue. I feel Chase and XXXX XXXX XXXX are deceptive and unscrupulous in thier practices to mislead consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (Government benefit card) with Xerox State & Local Solutions, Inc. (NM).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: TEXAS XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX XXXX XXXX IS MY NEW ADDRESS

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called XXXX Transunion, and XXXX and told them that the inquiries on my report was not known or authorize. They said that they can not be removed because they are verified. They could not tell me how they verify the inquiries. I also did the online dispute.

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