milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On  X/X/2017   , TransUnion received my certified request dated  XX/XX/2017.  The request was to investigate several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act , 15  U.S.C . 1681g, I request ed disclosure of documents recorded and retained in their file  ( s )  at the time of this request concerning the accounts being reported in my credit report.    Three  additional certified requests were made regarding their investigation. It has now been more than FORTY days since that initial request. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising TransUnion of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.

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 11/28/2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent Experian a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Experian received this letter XX/XX/XXXX ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX XXXX XXXX Account # : XXXX. XXXX XXXX Account # : XXXX. 

According to FCRA 15 U.S. Code XX/XX/XXXXi sub-paragraph ( a ) ( 7 ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA 15 U.S. Code XX/XX/XXXXn Sub-paragraph ( a ) 1 ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Payday loan, title loan, or personal loan (Installment loan) with CITIBANK, N.A. (LA).
Issue: Problem with additional add-on products or services

Complaint: Prior to this incident, I enjoyed a great credit repoire with  Citi Financial . I had a certain agent that I worked with whom later was in a life threatening motor accident. I considered his as a friend. He recovered and returned and while I was requesting a short loan I mentioned that I needed to upgrade my family home in  XXXX . He suggested a larger loan. I was approved and several months later while I was in the office paying my loan, he informed me that he could give me a new loan, if I needed on my jeep up to {$3000.00}. The next month or so I " took '' him up on this offer. I asked ( as usual ) questions ensuring that this was a different loan for I had done a few title loans in the past and wanted to keep it separate from my installment loan. He assured me and I signed documentation. I did not " catch '' the incident until about 2 months later and I called but he was on permanent medical leave. I inquired of this " mix-up '' and was told that " he '' combined the loan with the earlier installment loan. I requested paperwork and submitted my signed document for title loan but never acknowledgement from  Citi Financial eve n after a year of complaint. I contacted Te xas DMV the sam e day that I discovered the " mix-up '' claiming fraud and was told that I would have to seek legal assistance in that matter. I continued to pay loans until my mental breakdown though I had hired an attorney to look into the matter a few weeks before I became ill. I believe that the gentleman did not " change '' or " combine '' the loan but they were done by the company itself. I am f/u with this complaint because I just received a letter from a collection agency concerning this matter requesting a  one year " pay-off '' of this loan for a lesser amount.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: I strongly disagree with Chase 's policy that prevents people from depositing cash into another person 's account. I asked a friend to deposit money into my account and he was rejected by Chase 's branch in XXXX, Texas. He was forced to go buy a money order and come back to make the deposit, which they then allowed. This policy is a hassle and nonsensical. I was told it was an effort to combat money laundering. I would like to know how preventing a small cash deposit of {$100.00} stops money laundering when they turn around 20 minutes later and accept an anonymous money order from the same person? He did not write his name or address on the money order, so there is no record of who made this deposit. This is a terrible policy that is not friendly to Chase customers or their family members and apparently does nothing to combat the problem it is designed to alleviate.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Consumer Loan (Installment loan) with Delbert Services (NE).
Issue: Problems when you are unable to pay

Complaint: I have a loan with Delbert Services/ XXXX which I pay every month on time my complaint is that they are aware of my pay dates yet they call my cell phone XXXX times a day starting the XXXX of the month. I have asked them to not call me until after the XXXX which is my payday. They say the only way they will do that is if I set up automatic withdraws which I do not wish to do. All I asked was for them to not call XXXX times per day, they also do not leave any messages when they call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (Store credit card) with JPMORGAN CHASE & CO. (PA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for an offer from XXXX XXXX XXXX and was denied by Chase I already have a XXXX   credit account and am a XXXX XXXX account holder. I was not declined for those reasons instead they told me I had Deliquancy or public record. 
I have a Bankruptcy that will be off my record this XXXX after 10 years. Also told me number of new requests which was a problem with the credit bureau last year that has been resolved. Length of time since oldest credit. My first credit was when I was XXXX and I am now XXXX and last Length of time since most recent public record. I got a VA loan in XX/XX/XXXX and last record was the Bankruptcy in XX/XX/XXXX.

When I filed Bankruptcy I did list Chase as a creditor and I believe that is the reason for this decline. Discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: To Whom It May Concern, My husband and I are extremely " underwater '' on our primary home that we purchased in XX/XX/XXXX. In XX/XX/XXXX, we applied for and was approved for an home modification through our current lender SLS that instead of an decrease in our mortgage we experience an huge increase in our mortgage from XXXX to XXXX. We are currently paying XXXX due to increase in our escrow. We have been trying to refinance to lower the payment but due to that we owe XXXX and the house is value at XXXX we have been unable to qualify for a refinance house until now. We are working with an excellent mortgage specialist that informed us that we could possibly refinance the house if our current lender SLS ( Specialized Loan Service ) agree to forgive the difference amount that is owed. We submitted an letter on XX/XX/XXXX regarding this request via fax and email. I called SLS several times regarding receiving the letter and my request and was informed by one representative that they do not accept those type of requests, another representative informed me that they do not know what department deals with those type of requests and was unable to transfer to that department. I did speak with an Supervisor XXXX who informed that what I was requesting was what SLS called an short notification payoff and that most likely the office that is reviewing my request will send me the documentation to complete for the short notification. However, I have not received such documentation. I have received notice from SLS that they are reviewing my request and will notify me of letter the determination. SLS did not provide me with an timeframe but just stated " will notify you according to the government policy of notification '' Also, they sent me an letter stating " thanks for requesting application for an loan modification we will start to begin the process once you fill out the forms ''. I did not request loan modification as our letter was extremely clear of the request. We believe SLS is avoiding our request and is sidetracking us with other non-useful documentation. We are requesting your assistance in this matter to escalate our requests with SLS so we can receive the correct documentation and proceed to refinance our house to lower our payments as this is causing dire financial strain to our family. Thanking you in advance.

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 10-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: APR or interest rate

Complaint: My most recent statement indicates XXXX charges for interest rate. XXXX is interest charge on purchases and the other XXXX is interest charge protected purchases. To the best of my knowledge I did not subscribe the XXXX service. I log in for chat with their rep. she was unable to tell me the difference between the XXXX interest charge, she keep telling me that it was a special purchase charge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: My car was n't impounded or abandoned. The day of XX/XX/2016 my car was totaled and the police officer told me that no body shop would take the car that I should have it towed to impound. So I had it towed to the XXXX XXXX XXXX impound at XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XX/XX/2016 I contacted Toyota customer service and reported the incident and the location of the car. I contact Toyota GAP and they told me the loss department would file for the GAP. I contacted the impound and they told me that since the Toyota is legal owner of the car and the car is totaled they going to contact the Toyota MTR Credit Corp at XXXX XXXX XXXX XXXX XXXX XXXX and try buy the car from them since is totaled and he said the will proved to Toyota by sending them picture of the car and the document the car is totaled. Late when I call the impound they said that the Toyota give them permission to buy the car from Toyota. I contacted toyotacustomer service and they transfer me to another department and he told me that the car was sold to the impound. That according to my GAP agreement ( does n't require insurance ) will pay off the car and what ever remaining balance is would be waived. Which is terms my lease and GAP agreement. She also asked for copy of the police report and I faxed and mailed a copy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have set up an account with www.XXXX.com to monitor all XXXX of my credit reports. To my surprise, I have noticed several dozen inquiries that do not belong to me. Please remove these inquiries that were unauthorized. XXXX total inquiries reporting on XXXX. I have included a word document will all inquiry names, address and dates of inquiries for your to investigate and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was in a forbearance with Navient, and during that time, " late payments '' were still reported on my credit. This lowered my credit score tremendously! I received calls and email messages from Navient during the forbearance period to make a payment. I told them I was in a forbearance. The Navient representative told me that " not all '' of my loans were under a forbearance. I requested to have ALL of my loans consolidated so that various loans are not in different reporting stages. I never received the information to consolidate & they are still being reported as late. Navient is reporting several loans as missed or late payments on my credit. Also, the school that I had loans with is closed/ no longer an active school.

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. (OK).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax needs to be held responsible for not keeping my data safe and now I am facing possible identity theft and ruined credit. The will only offer monitoring services that includes a clause that no legal action can be taken against them. They also omitted to notify me about what happened as soon as they knew it ( they omitted to tell the public for a month what happened ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Nationwide Biweekly, whom you already have a lawsuit against, stopped paying my mortgage without reasonable notice. They did not take money for the mortgage payment without returning it, and paid the mortgage until XXXX 2015,. They sent me the check for the XXXX payment when they said the bank did not process the check they sent them, but I was unable to reach anyone at that time to find out why they sent me the check. I received a notice from the bank who has my mortgage at the end of XXXX, advising me that I had not made the XXXX payment, and that late charges were being added. After a couple of attempts, I was finally able to talk to someone at XXXX, who said that they had suspended all accounts because they had lost their relationship with their banks. ( They blame you!! ) I asked if they were going to refund my fees, since I did not ask that they stop and was not informed that they were stopping. They said no. They clam to have tried to email us, but the email address they said they used has not been valid for years. They should have received a failure notification regarding the email. They did not call the phone number on file, which we still have, or send a mailed notification to the address on file, which we still live at.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to Experian and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft : XXXX XXXX BANK XXXX Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX Closed XXXX Missed Payments {$0.00} XXXX Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$460.00} XXXX BANK Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$670.00} XXXX DEPARTMENT OF XXXX XXXX XXXX XXXX, XXXX Closed XXXX Missed Payment {$7300.00} XXXX XXXX XXXX Student XXXX XXXX, XXXX Closed XXXX Missed Payments {$820.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$360.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1000.00} XXXX XXXX XXXX, XXXX Open {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$5600.00}

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Credit bureau reporting unverified public record in direct violation of FCRA, state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hi. I had filed my taxes for 2016 online and was told I owed XXXX {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on XXXX. Today, I got a notice that a public record was placed on my credit report by the NY State Country clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Student loan (Federal student loan servicing) with MOHELA (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have tried to get this resolved but it has caused delays so that I think my original complaint has not been answered. I want to know where the figures that XXXX is trying to ruin my credit came from. They only sent me a list of charges sent them, no explanation where they came from. 
I received the amounts submitted to XXXX. But did not receive the paperwork that told me what each charge was from. How did they get these numbers that was sent to them. They also sent me a closed school form. I filled it out and got a response of no turned down. I am questioning where these figures came from because they are strange and my classes were not this much. XXXX courses x XXXX & XXXX pell grant do not add up to this. I want to know where these figures came from? Not just the amounts given to them which are wrong. The amounts and dates are not right. 

I gave them all of my paperwork for XXXX for XXXX form I got turned down, because there was n't a review date and I did n't have a doctors note. I do n't have a review date because XXXX They need to get it broken down so I can see where these figures came from.The dates amounts do not make sense. 
XXXX XXXX closed, I never got my degree, Was told they were closed for stealing student money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I used my debit card at a chain Auto Service Station, I paid for a service they said they could do but were unable to do. To avoid any further damage to my vehicle I took it to the actual dealer to fix the other merchants mistakes. 

I called Bank of America ( my bank at the time ) to explain what happened in great detail ( and probably 20 mins ) and asked if I have any recourse since I now just had to pay twice for the same service. The CSR explained that I could filed a debit card dispute since the merchant didn't provide the expected service etc. The dispute was filed. Within days Bank of America put the disputed amount back into my bank account. A few months later I was traveling out of the country, and see that my account is negative! Also, pending transactions were charged overdraft fees or declined etc. ( Thank XXXX I had some cash with me ). I see that the disputed amount was reversed, so I called Bank of America and they told me my claim was denied because I had in fact made the purchase?? What?! I know, that was never part of the dispute. I believe the way the CSR entered the dispute was incorrect causing me to lose the dispute. I asked to appeal the decision. They told me that I should get an expert opinion regarding the work done. Perfect, so I went to the dealer ( who actually makes this vehicle ) they wrote a statement on company letterhead on my behalf. Appeal denied. Meanwhile over the course of this lengthy process, and Bank of America reversed the disputed amount causing my account to go negative, I explained that i will NOT deposit anymore money with them until this is resolved, to which they responded by closing my account that I had for about 15 years! Recently I went to open an account at another bank and was denied an account, and I learned it was because Bank of America put me in XXXX siting " ACCOUNT ABUSE '' as the reason?! That is lie! I did nothing wrong. Bank of America was supposed to protect me from fraudulent merchants, or not mislead me into thinking they were going to dispute a charge then change their mind. They let a merchant scam me and then the bank abused me. 

I have been denied credit and the ability to open checking accounts because of the information Bank of America has inaccurately posted with 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