milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In 2014 I disputed directly with the Creditor XXXX XXXX XXXX XXXX XXXX an account that was reporting derogatory to the XXXX credit agencies. During this time XXXX VP of Operations sent me a letter stating that the account had been corrected. XXXX and XXXX did in fact correct my account to reflect my accounts as paying on time and current. However, Equifax has not. I have submitted numerous disputes and Equifax has not corrected the issue. The reasoning on the disputes states that the information has been verified with the creditor. Even after I have notified them and submitted the letter from XXXX XXXX XXXX they refuse to correct this. I have also contacted XXXX directly and they stated that Equifax has not reached out to them. I would like this matter resolved immediately as possible as this is affecting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was encouraged to utilize forbearance and not told about income based payments in 2008. 2 years of my previous payments ( paid out from XX/XX/XXXX-XX/XX/XXXX ) were " eaten up '' after this choice for interest that I was not told would be accruing. 

Two years ago after my payments reached over {$300.00} a month, I inquired about reducing my monthly payments. XXXX gave me a reduction by half, however now I am fearful that my interest is building even greater. I was told that this would not occur, that they were reducing my payments as I had a good record of payments in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: As you can see from attached picture Capital One is reporting I have disputed this account. I do not know what this acct is and aparently neither do they. I spent XXXX hours, XXXX transfers and XXXX hangups speaking with reps in various departments. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, and XXXX others whos names I could not understand. I was transferred to XXXX Bank once who had no record of this acct either, after I was told it was theirs. Lastly i was told the information is old and they can not help me and was hung up on. That was XXXX. All i want is some help with this as it is hurting my chances at mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: ATTN : Legal D epartment, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsectio n ( 8 ) (  D ).   The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, sectio n 623, subsection ( 7 ) ( A ). To  date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accou nts may constitute th e reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that t he FCRA 623 ( 8 ) ( E ) ( iii ) establishes  a time-frame for these issues, and that se ction 621 of   the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit re port as : 1.  XXXX   XXXX   XXXX  This account has never been verifed and I have never done business with this company. Error please delete.    2.   XXXX   XXXX   XXXX  This account is a duplicate of the same account above error please delete.   3.  XXXX   XXXX  this account has never been verified error please delete.    4.   XXXX   XXXX  this account has been delete and was never update throught the bureau please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
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: On XX/XX/XXXX I called XXXX 's regarding my account. I had not received a bill from them for a couple of months. I was told that it was overdue on XX/XX/XXXX So I went to XXXX 's store and paid the balance due. They waived all late fees and penalty fees due at that time. However, XXXX 's continued to charge me late and penalty fees for two months afterward. XXXX and XXXX had late fees and penalty fees added. I called XXXX 's and on XX/XX/XXXX and again on XX/XX/XXXX to clear the charges of {$81.00}. I even sent a letter to XXXX XXXX and XXXX XXXX, President and CEO of XXXX XXXX to help clear this matter. Nothing was done and the executive department said that the charges of {$81.00} were to remain on my credit report, even though there was a XXXX  balance on my account. 
On XX/XX/XXXX XXXX 's again reported my account of {$81.00} past due. I called XXXX XXXX credit department and they told me that there was a XXXX balance, but the charges of {$81.00} were to remain in my credit report as past due even though it wasn't.

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 04/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Notification that because the Fed had recently increased interest rates that our home payment would increase again on XXXX XXXX, XXXX. 

To my knowledge there has been no increase since XXXX XXXX, XXXX ( according to the " Guardian ''. According to the guarding again : " The Federal Reserve ( Fed ) put any further increase in US interest rates on hold on Wednesday, announcing rates will remain unchanged for at least another month '' in the Fed XXXX meeting. 

Why would Bank of America be allowed to raise rated at this 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 05/30/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Trouble during payment process

Complaint: My house payment includes taxes and insurance. My mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage on XXXX. With Nationstar my escrow payment has been XXXX, it has increased to XXXX as of XXXX XXXX. I contacted the company on XXXX, and spoke to XXXX, located in California, to find out why this has happened. I got 2 different reasons, and neither one made sense to me. I asked to speak to a supervisor, was on hold for approximately 5 minutes, then was told he could n't reach the supervisor. I asked him what government agency oversees mortgage companies, he told me Nationstar could do that internally. I declined, and I stated I wanted to use a Government consumer agency, and we ended the call. Also, they are changing their name from Nationstar Mortgage to " XXXX XXXX '', not XXXX XXXX Mortgage, just ... XXXX XXXX. That sounds like a scam to me, or some other illegal operation. I have attached the records of my payments, and what I believe, is the inflated escrow charges. Thank you for any help you can give me. I will also file a claim with the Consumer Protection Bureau, and the Oregon Department Of Justice Financial Fraud Department. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (NV).
Issue: Deposits and withdrawals

Complaint: I paid {$500.00} cash ( see attached receipt ) at a XXXX to add {$500.00} to my prepaid American Express Serve card. The money was not uploaded. I have since contacted XXXX card services to verify the money was surrendered to XXXX. I also filed a dispute with American Express Serve in which they pretended to investigate the matter ( without asking for the store or a copy of my receipt or any relevant information ). They then replied that they did not find the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed a police report, filed a complaint on identity theft, placed identity theft with XXXX, XXXX and XXXX that this debt was not mine and that my identity had been misused. XXXX XXXX has continued to place with collection agencies after I personally notified in writing and called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Federal student loan servicing) with GREAT LAKES ().
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had all my student loan information and online login registered to an employer email and phone number at the time. I had changed employers and was not receiving any of the calls or emails regarding my account. once I realized I did some research and called in to get things taken care of. when I spoke to the loan company I was told if I put my account on a forbearance it would bring my account current and not report any late to the credit bureau. now on my credit report it reports as 120 days late and causing me to not be able to get the mortgage loan I need to provide a home for my family. I called the loan company again to complain about this and they tell me there is nothing that can be done. I spoke to the credit assessment department and a loan manager. everyone says that I was 120 days late and I never was. my account has since been pain in full and still no one will adjust the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a XX/XX/2017 XXXX from XXXX XXXX about an old credit card account I had. Since they cancelled the debt and I have to report it as earned income, the balance on all of my credit reports should be {$0.00}. I have tried disputing the amount with all three bureaus, and they keep saying that the amount has been verified. How can XXXX XXXX   cancel the debt and still say that balance is valid?

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 04/22/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Other

Complaint: I implore you to look into the unfair business practices and illegal marketing practices Amazon uses to draw customers in and that CHASE derives benefits in throwing them into a high interest rate card. I was shopping for XXXX gifts and as I went to check out, Amazon offered me a 0 % 12 month interest free promotional option, I clicked on it, answered a few questions and the proceeded to check out. Received a credit card a few weeks later that had AMAZON on the front, and Chase on the back. I did not think anything of it until I realized that I had been paying 19.49 % interest the entire time on the entire amount including what I purchased through the promotional offer. There was nothing in this entire process that led me to think I would be getting an interest rate at all ; and no way would I have applied for a 19.49 % interest rate. No one from CHASE can supply me with a screen shot of my application, there was no discussion of not getting the promotional offer and nothing to let me know of this bait and switch ( offering one interest rate but throwing you into another ) practice. Chase will not supply me with their record retention or consumer grievances policies as those are considered " proprietary ''. Chase said that Amazon has many cards and so when people think they are getting the promotional offer that is only if they get the " amazon shop card '' given the card they sent me says Amazon on the front of it, this is also a deceptive practice. No where in this short promotional opportunity process was there any discussion of this. amazon sucks you in, Chase benefits by throwing you into a high interest card. One Chase representative said that this was not the first he had heard of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Payday loan) with Hylan Asset Management, LLC (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Thank you for taking the time to investigate this case. I seek your assistance in stopping the illegal practice of " phantom '' payday loan collections by XXXX XXXX and Hylan Asset Management. In regards to my case, I have secured a release from Hylan Asset Management and do not require individual assistance. However, I strongly encourage a full investigation of these companies due to their violations of the Federal Trade Commission Act, wire and mail fraud statutes, and the Fair Debt Collections Practices Act. 

I am certain that XXXX and Hylan are knowingly running a " phantom '' payday loan scam by attempting to collect payday loans that did not originate and are not valid. I am certain that I am a victim of this scam. If you desire, I can provide a full financial disclosure demonstrating beyond a preponderance of the evidence that I did not received these funds, nor solicit such loan. Throughout this ordeal Hylan and XXXX have been unable to provide any proof of a promissory note, loan origination, or collection attempts. Further, according to XXXX the original creditor was " XXXX XXXX. XXXX '', however written communication also shows a disputed payday loan from " XXXX XXXX, XXXX '' or " XXXX ''. XXXX and Hylan have been unable to accurately describe the disputed debt in their communication. This is further evidence of a " phantom '' payday loan scam. 

Enclosed is all written communication between the parties. Research indicates that XXXX and Hylan have a very high percentage of clients claiming that these loans are " phantom ''. As both of these companies are within your jurisdiction, I can not emphasize enough the importance of stopping this unfair, deceptive, and abusive conduct. Their conduct is illegal and prays on vulnerable populations. 

Thank you for your assistance with this important matter.

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 non-monetary relief
Consumer complaint received 05/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion fails to remove the XXXX XXXX accounts.. Transunion reports incorrectly that this a duplicate account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 12/23/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Problems when you are unable to pay

Complaint: We had a loan with Ally. While my husband was XXXX XXXX military and XXXX Ally illegally repossessed our vehicle without trying to assist us with making payments. They violated federal laws that protect service members while 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 06-01-2015 about Debt collection (Credit card) with FMS Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX HIRED FMS, INC SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY XXXX BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (MI).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX around XXXX XXXX, I sent two of my contractors payments using Chase 's Quick Pay  feature. I received two emails within 15 minutes stating that the funds were pending. I checked my account and the money was taken out for one of my contractors. I called the bank to find out that there was internal issues with their online banking systems. I asked if the funds would be available by the end of the day. At first the person told me that it would be fixed within an hour or two. Later she told me that it would be fixed by the end of the day, but most likely within the hour or two. Around XXXX XXXX I called back and was given the same information. At XXXX XXXX I received two emails. One stated that the contractor which the funds already had been taken out failed, but the other contractor was funded. I checked my account and the funds for the contractor that had been taken out previously were not back in my account. I called Chase to see how to get those funds added back in so that I could pay my contractor. The first person I talked to could n't help me and transferred me to someone else. The second person tried to explain that the funds would be available the next day. I explained that I needed to pay my contractor and that the funds were available that morning. They transferred me to another person. This next person explained the same thing, that they could n't help me and that I would have to speak to the claims department, but that they would be able to replace my money. The person from claims told me that they were the wrong department and transferred me back the the first department that I talked to. At this point I was on the phone for almost 3 and a half hours. The next lady that I spoke to told me that I was in the wrong department and told me that she would transfer me to claim, which is literally the department that I just spoke to. She told me that my wait time would be 45 minutes. I explained that this was outrageous and that I needed to speak to a supervisor. This person immediately transferred me to online support. And finally this lady explained that there was no possible way to get my money. If I do n't have funds available they charge me overdraft fees, but when they mismanage my money there is nothing that I can do about it!!!!! I feel as if they stole my money and told me that I had to wait until they were done with it. I explained that if this contractor decides to no longer do business with my company, due to not being paid on time, I would lose thousands of dollars. Luckily, I think that I have saved the situation with him, but my issue is this, how is it possible for a bank to lose my money and have no consequences. I had the funds that morning and they mismanaged my account. Additionally, the other contractor did n't receive his money until today. Typically the funds are approved and transferred the same day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2015 about Consumer Loan (Installment loan) with Atlanticus Services Corporation (TX).
Issue: Managing the loan or lease

Complaint: We have a loan with XXXX. It shows up on our credit report as a credit card. They will NOT accept a payment via a credit card, only debit or, their preferred method, direct access to our bank account. We have thoroughly reviewed our agreement and the payment options on THEIR website, and it does NOT say that credit cards can NOT be used for payments. Upon making a payment, by debit card on the phone, only a confirmation number is given, with no way to request or print a receipt. They do n't give receipts, not even by email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are several discrepancies with my personal information. The following does not apply to me : I am not associated with these names : XXXX XXXX XXXX XXXX XXXX I have not lived at these addresses : XXXX 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 explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with loanDepot.com, LLC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: FRAUDULENT INQUIRES OCCURED ON MY CREDIT FILE FROM THREE COMPANIES. FIRST COMPANY IS LOAN DEPOT. XXXX ( XXXX ) FRAUDULENT INQUIRES OCUURED ON MY CREDIT FILE ON XX/XX/XXXX AND XXXX ( XXXX ) TIMES ON XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. 

" XXXX XXXX XXXX '' IS THE 2ND COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX. 

" XXXX XXXX '' IS THE 3RD COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief