milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address on a XXXX XXXX, in XXXX, California, which is incorrect. I lived at XXXX XXXX XXXX # XXXX, XXXX, California, from XXXX until the year 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 non-monetary relief
Consumer complaint received 09/23/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX recently helped in getting my mortgage payments and to help avoid foreclosure. I signed the agreement and recently got notified that my pension would decrease {$760.00} in XX/XX/XXXX when I turn XXXX. Caliber did help me in trying to keep my home but the payments were changed from the trial amount to {$760.00}. Since I am loosing almost the amount of my mortgage payment I will still be facing hardship. XXXX said I qualified for a $ XXXX payment. Will u please work with me and lower my payments. I bought the home in XX/XX/XXXX when my daughter was a baby so she could have a place to call home which I never did. I worry always about having to move and need your help desperately. Please help me.. Bless you

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: WENT ON LINEXX/XX/XXXX & WAS ABLE TO ACESS MY CREDIT CARD. THE ONLINE WEB SITE STATED I HAD A LINE OF CREDIT AVAILABLE IN THE AMOUNT OF {$11000.00} WITH A BALANCE DUE OF {$4900.00}. I PAID $ XXXX.0N ONXX/XX/XXXX AND THE PAYMENT WAS ACCEPTED. WENT ONLINE ON XX/XX/XXXX. THE WEBSITE SAID I HAD A LINE OF CREDIT OF {$11000.00} OF WHICH {$9200.00} WAS AVAILABLE I PAID {$2400.00} TO XXXX  OUT THE ACCOUNT. THE PAYMENT WAS ACCEPTED. PLACED AN ORDER WITH A SUPPLIER. TRIED TO ACCESS THE CREDIT CARD ONLINE TO CONFIRM THE ORDER WAS PLACED BUT WAS UNABLE TO DO SO. CALLED CUSTOMER SERVICE TO FIND OUT THEY CANCELLED MY CREDIT CARD. 

I AM UNABLE TO ATTACH SUPPORTING DOCUMENTATION SINCE THE COMPANY HAS LOCK ME OUT OF MY ACCOUNT. I AM TRYING TO OBTAIN STATEMENTS REGARDING MY ACCOUNT FOR SUPPORT DOCUMENTS

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 11/20/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (IN).
Issue: Problems when you are unable to pay

Complaint: We talk auto lender to extend time to pay my monthly payment and thay agreed but before time thay repo my car

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Closing/Cancelling account

Complaint: best buy closed my account based on a report obtained from XXXX. I called best buy and told them the report and information that they obtained was incorrect and it must not be me. I crossed referenced the consumer report from XXXX and they are clearly wrong. Now they have closed my account so this will negatively affect my credit 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All data necessary to take out loans, acquire credit reports, etc taken in the hack. The severity of this is life alteringly bad.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: I have had {$4000.00} in direct deposits on my account this week. 
XXXX XXXX XXXX XXXX My account has a hold on it for XXXX for a check I deposited XX/XX/XXXX. I filed a complaint regarding their banking error. A rep from USAA called me on XX/XX/2016 informed me that they do not accept XXXX party checks, the check would likely be returned back to the issuing bank and another XXXX would be taken from account. My complaint was the same, I never received a deposit of XXXX for this check a second time. I told the person i 'll let it be worked out with with my cfpb complaint. 
they have now put a fraud alert on my account. I can not access my funds to my account at all. I can not use my debit card, I can not pay my bills, I can not go into a bank to withdraw funds, I can not transfer money to another account I can not have the bank wire me money. I feel they have done this in retaliation to my complaint. there was no fraud on my account, the check I deposited belongs to my sister, that lives with me who lost her id. she endorsed the check and I endorsed it and deposited it. the check has not been reported as stolen or anything by the issuing bank. 
I have a mortgage to pay. I have a light bill to pay. if they reverse this deposit-i never received a XXXX time I still have XXXX in my account. If they fix their error I have XXXX in my account. either way I have money available to pay my light bill but they wo n't allow me to do so. so my lights are going to be cut off. I also have travel for work on sunday and no access to my funds to pay for a required business trip.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Student loan (Non-federal student loan) with KEYCORP (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had multiple federal and private student loans during my time in college. During my personal bankruptcy case after college, I found that after my discharge was granted that, while most of my student loans were moved into the automatic stay, XXXX was not. I was the only signer on this loan and never intended or tried to have my student loans discharged during my bankruptcy case. All of my other loans resumed as normal after my case was discharged after some time, all except XXXX from my KeyBank loan. Unknowingly, they had moved my student loan into default and discharged it during the course of my bankruptcy, all without any of my knowledge or contact from them ( due to the rules of bankruptcy ). My complaint here is that it has been negatively impacting my ability to obtain better credit since it shows as an outstanding collections balance. Now, I pay far more monthly to their collections arm than I would have if the loan would have resumed normally, like every other loan I hold. I feel this was unfair treatment during a bankruptcy, unfair reporting of my credit situation, and an unfair balance to pay off as a lump-sum. I have no means of recourse here since this item was nestled tightly into my promissory note and seems at odds with the inability to discharge a student loan without proving undue hardship, which I never pursued during my case. I do not have any requests beyond repairing my credit standing and paying a fair monthly charge, something of which I was never given the option. My lawyer claimed she had nothing to do with this portion of the bankruptcy and washed her hands of me and my case. What are my options now other than sit back and take it on the chin? I have attached a copy of my credit report from last year and my most recent statement from them with the monthly payment amount I currently pay.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I fell behind on my student loans due a sudden and unavoidable debt resulting from vehicle repair in XXXX 2015. As a result I fell behind on my loans by 90 days. Up until this point I was paying on-time every single month $ XXXX/month. I began communication with Navient about this and they provided me with little assistance. They told me that the payments must be made. They would not grant me a hardship forbearance, nor would they let me lower my loan payments at all. Now, as a result of this situation they have begun reporting negatively against my credit and also raised my monthly payment on my loans to over $ XXXX/month. I make $ XXXX/year. How can they expect me to make a payment of $ XXXX/month and still support myself? I need to get to work, eat and pay for gas. I could never afford rent or a mortgage with this kind of monthly payment. I have called them nearly a dozen times about this and they will absolutely not work with me in any way. I just do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I purchased a vehicle from XXXX, asked them and even wrote on the application that I DO NOT AUTHORIZE NO MORE THAN XXXX ( XXXX ) Hard inquiries because I am in a credit building program with my financial institute. I was reassured that It would not be a problem ; only to learn a couple days later that they did XXXX inquiries and when I contacted them I was assured that they would have them removed ; when they did not I filed a complaint with the XXXX and Consumer Protection, once they got involved they agreed to remove the hard inquiries from my report ( s ) ; to date they have not. so I am starting the process over again with the hope of finally getting this corrected. AT NO TIME DID I GIVE XXXX permission to do that many inquiries ; and what that behavior showed me is they were extremely DESPERATE to sell totally ignoring my request ; their actions were unauthorized, unethical and their refusal to correct THEIR ERROR has had a drastic impact on my credit. The financial institutes they used I WOULD NEVER, EVER CONSIDER going to for ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Total frustration! Apparently, annualcreditreport.com does not request enough information from users for the credit reporting agencies to process the requests. XXXX was the only agency that would furnish an online 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 03/20/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AE).
Issue: Settlement process and costs

Complaint: I have called Chase Lien Department XXXX times over the course of 10 days. It has been an average of XXXX calls a day to get a copy of a certificate of satisfaction on a mortgage I paid in full in XXXX, I am constantly told a request has been submitted and have yet to receive a copy of the documentation. I am a XXXX employee currently XXXX and have spent XXXX dollars in phone calls with no results. The problem is an incorrect recording of the satisfaction of my mortgage in XX/XX/XXXX -- a Chase mistake. Chase claims XXXX to have sent the corrected certificate of satisfaction for recording to the county of XXXX Virginia in the XXXX 10 days, but the County has no record of receiving the XXXX mailing and according to Chase rejected the Certificate when Chase after many phone calls from me sent the Certificate of Satisfaction to the County electronically. The rejection is probably due to additional mistakes on the part of Chase. At this point I want to file a formal complaint against Chase and am seeking redress. Average phone times have been anywhere from XXXX minutes to XXXX hour. I have spent at least XXXX hours on the phone during the last 10 days. Chase is jeopardizing my ability to go to settlement on a home equity loan I have applied for with my Credit Union. In addition, I am speaking to what appears to be a call center where the ability to provide the documentation I need does not appear to exist. Frankly, I am shocked by the poor customer service by the lien research department and the numerous mistakes Chase has made. I thought this was a reputable bank. I want to note that the workers in the call center are very polite and helpful but they are not empowered to do anything to help me The problem seems to be in the lien research department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I have disputed the account listed below with all three credit reporting agencies and they said they did an investigation and verified the information first hand. This was a complete lie because all of the information is different and this may not even be my account. They are violating my rights and I am trying to prevent bringing legal actions upon them and that 's why I 'm reaching out to you. The investigation was n't done properly nor did they send me and information like an original contract that says I signed up for this account. The disputes were sent out in XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX notarized & certified and I keep getting that they are verified. I have disputed this information multiple times and sent the following email attached to the creditor.

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 06/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX is showing on my credit report as a authorizzed user but i never recieved and dont know what or who did that .. 
account XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sd XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Medical) with AMCOL Systems, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a collection company ( Amcol Systems Inc ) who appears to have purchased medical bill debts from many years ago that was paid through health insurance ( XXXX ). They just started reporting to the bureaus XX/XX/XXXX and plan to continue reporting until XX/XX/XXXX. I have attempted to reason with Amcol and explain to them that the information they have is incorrect and when that did n't work I disputed it with XXXX and XXXX. They both came back saying that it meets the requirements of FCRA. I am working very hard to repair my credit and this is having a very drastic effect on my life. Please help me as I have run out of options. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I am writing u because my whole credit file is fraudulent as I have never had a credit card nor have I ever applied for credit nor have I ever had any type of delinquency please remove everything including credit cards credit inquiries and delinquencys because they are all fraudulent I found out about this because the IRS said that someone filed a ax return in my name which is fraud so please remove all associated with me name. My name is XXXX 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 non-monetary relief
Consumer complaint received 01-10-2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I have been out of country for three years. I returned to US in XXXX of 2015. Late XXXX, early XXXX I got a credit report from Experian as I was applying to rent an apartment and wanted to know my credit rating. Subsequently I have been getting these emails from Experian notifying me of changes in my credit rating. I have been ignoring these emails because when I open the email and click on the link it asks me for a user log in. I do n't have an account. And if I did have an account I do n't know my user login. Life has settled down a little bit and last night I decided to spend some time on this. Then I read the e-mail more closely. In very fine print it informs me that they are deducting XXXX dollars from my account monthly for this service and that I got seven days free and was automatically signed up for this and that I had to take steps to cancel the membership. I never sign up for this and did not think it was applicable. But then I check my bank account. Sure enough these slime balls are deducting money from my account every month. This has been going on since XXXX. This is fraud. It is dishonest and I have no interest in their service. I want my money returned. I want to file legal charges against them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: I rented a car from a XXXX at XXXX that put a hold on my card that was equal to over 5X the cost of my rental. I was informed that when the car was returned that the hold would be released immediately. When I returned the car I verified with the merchant that they had released the hold and I had a conference call with the credit card company so that they could verify directly with the merchant via the transaction ID that the charge was not valid and that they could release the hold however the credit card company refused to do so. The credit card company was AT & T Universal Card and I have been a card holder with them for 20 years and they refused to even issue a pending credit back to my card to allow me to rent another car which was needed for a trip out of town despite verifying directly with the merchant that the charge that was in their system was not valid. I consider it fraud to hold a credit on an account that is not valid and can be proved not just via paper receipt but directly via merchant.

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 07/16/2017 about Mortgage (Conventional home mortgage) with Statebridge Company (FL).
Issue: Trouble during payment process

Complaint: this i a complaint about a late payment charge which i have tried to have corrected by statebridge company LLC which we have contacted by phone several times and explained the issue.  On  XX/XX/XXXX    we received a late charge for our mortgage. The point is that back in  XX/XX/XXXX  when statebridge took over this mortgage they told us not to pay until XX/XX/XXXX . so to keep ahead i sent in 1st payment in  XX/XX/XXXX and have paid every payment one month early and am continuing to do so. I went to my bank and got copies of every check front and back as proof of every check they have received and cashed and when it cleared my bank. we faxed these copies 3 different times to 3 different representatives and they still wo n't take the late fees off. They told me they were missing a payment the check was dated for  XX/XX/XXXX  and that they had not received it. so we went to the bank and put a stop payment that cost us  XXXX  and reissued a new check for XX/XX/XXXX . a few days later we received a certified letter notice which was the check they said the never got and it is stamped right on the front that they received it on  XX/XX/XXXX  so they had it all the time. they stated that it was post dated and they could n't cash it but they had been cashing them all along. now they say they sent us a notice of escrow mortgage increase of   XXXX   after i had sent in 2 months payments as usual they say i owe  XXXX  on each month and after i did the math on this they are adding a late charge in to this amount. they admitted the last time we talked on the phone that they had made a mistake and posted one of our payments to all principle and they would not take the late fee off even though it was their mistake. we have also sent the difference for the escrow amount in to them already. I also have paid for  XXXX . and  XXXX  payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Credit decision / Underwriting

Complaint: Ditech Financial along with their attorney XXXX XXXX XXXX, XXXX. have filed foreclosure on XXXX 2014 base on payments not being made for the month of XXXX 2014. I have documents showing that payments were in fact paid but credited to XXXX XXXX. Invoices showing excessive fees which led me to fall behind based on the XXXX 2014 payment. I understand that Ditech Financial was formely Green Tree, however the practice is still the same. The Lawsuit Settlement of XXXX proves how dishonest this company is. I have equity in my home causing me to feel that they are trying to take my house to put towards paying their settlement. I have questioned their accounting method in which it shows over {$26000.00} of misapplied funds still they refuse to answer. I have also filed a Pro Se Motion of Discovery which they have still not completed. XXXX XXXX XXXX, XXXX. has also filed false documentation stating that Greentree/Ditech Financial are in possession of the Original Note and that it is in the Counsel 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 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: Personal information incorrect

Complaint: FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 5. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. 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 non-monetary relief