milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: 1. I contacted Experian in XXXX of 2017 about items on my credit report. 
2. According to federal law, credit reporting agencies ( Experian ) must verify with the original documents that debts belong to me. 
3. I asked Experian via four different letters to verify my accounts with original documentation. They have not provided original documentation to verify accounts. 
4. Experian has not followed federal law and has not removed negative items from my credit 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 02/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to get a modification from XXXX XXXX XXXX since 2009 and they always denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: In correspondence dated XXXX XXXX, XXXX, I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 01/28/2018 about Debt collection (Other debt) with JPMORGAN CHASE & CO. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Chase bank charges extended overdraft fees which cost more than what they paid for {$5.00} I got {$34.00} overdraft fee then a {$15.00} extended overdraft fees! On XX/XX/XXXX I was charged {$34.00} for recurring fee. For {$19.00} charged {$34.00} overdraft fee and {$15.00} extended fee. These are fees from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2017 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I tried to register with credit cards so I could see my credit report and score. Well when in want to set up my account and put in my info i got to where they were asking the questions2 identify me and all but 1 of the questions had nothing to do with me so i answered none of the above because it was asking about a mortgage loan companys name and car loan payment amount that I had never heard about or seen before to verify my identity so I thought it was a trick question for both if them so as I said I answered none of the above. Well it would n't verify my identity since it said i got them wrong. Well so then I tried to scan my license front and back as it requested for 4 and half hours over and over to get to my report 2 make sure no1 had taken my identity and a loan in my name but it would n't confirm with the scans of my drivers license either. So tgen I wrote the company XXXX and told thrm my issue and they responded that they were sorry that if I ca n't be verified then I ca n't get and register an account with them for my reports that I would have to request the reports individually on the XXXX websites. So i went to the XXXX bureaus I requested all XXXX. I only ended up with my XXXX report and none of the otuer XXXX because I had the same problem with 1 of them in answering the verifying personal account questions and the other said i already requested my report this year but i did n't the only time I have applied was to XXXX and i never made it thru 2 get or request my reports on their site. So I 'm having MAJOR issues and I 'm worried that this is happening that some1 has likely gotten a hold of my identity and need some help getting 2 the bottom of this please ... .ASAP if at all possible im case it is identity theft. Thank u.

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 07-05-2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: My account balance with  XXXX    XXXX   was  discharged in a Chapter   XXXX   Case  #  XXXX  filed   XX/XX/XXXX  a nd converted to a Chapter  XXXX   XXXX  file d  XX/XX/XXXX . T o date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.

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 02/27/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WA).
Issue: Shopping for a loan or lease

Complaint: I made an auto loan inquiry on XXXX. I was seeking offers, and assumed that any companies I was matched with would only do a soft-pull for pre-approval purposes. That is what I understood from my previous dealing with XXXX. I received a response from a company which identified itself as Roadloans, and when I logged on, it said it had approved me for {$53000.00} at an interest rate of 7.42 %. I had only inquired about an {$18000.00} loan. It identified my Application ID as XXXX. I then received call from Auto 's Only, a dealership located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I was told that Roadloans had shared my information with them, and had approved me for a loan to buy a car there ( although they also said that they would try to beat those loan terms ). I did not want Roadloans to " approve '' me for a loan, and I certainly did not want them to share any of my personal information with any third party or parties. Concerned that Roadloans had done a " hard pull, '' I called Roadloans at ( XXXX ) XXXX ( because the website said " [ online ] chat unavailable. '' On XXXX/XXXX/16 ( Pacific Time ) at XXXX XXXX., I spoke with XXXX, who confirmed that Roadloans had done a " hard pull. '' I told her that I had not wanted that to occur. She informed me that lendingtree allows them to do that, and that is how they operate. When I asked with whom I could dispute that, she gave me the following information : XXXX ( Santander Credit Disputes ). She stated that Santander was the parent company. When I asked, I was told both businesses are headquartered in XXXX, XXXX, and that both do business nationwide. I tried calling that number for Santander, but a recording said the business was closed. I went to the XXXX website ( which I learned was the CRA with whom they did the hard pull when I made a second call to Roadloans and spoke to XXXX ). I see the hard pull from today, XXXX/XXXX/16, but there is no " dispute '' button for such an action on the XXXX site. In sum, I did not want a hard pull of my credit. Before anyone did that, they should have conspicuously informed me that they might do that, and given the option to specify that I did not want it to occur/was not interested in the specific product ( here, a ridiculously high loan amount at a ridiculously high interest rate given my current " excellent '' credit rating ). Also, I did not ( and do not ) want my personal information shared by Santander/Roadloans with third parties, including dealers, as they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: BANK OF AMERICA did not contact me. 

I am attaching the relevant document. This is an addendum to the prior case filing, out of an error in the filing. Thank you. This is not a new filing.

$XXXX is insufficient, given what is attached. 

"In addition to seeking redress under the FDCPA, the CFPB said that it is using its authority to regulate unfair, deceptive, or abusive acts and practices (UDAAP) in the financial marketplace under the provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act."  

Please see attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage was with CitiFinancial and Iwas never late on a payment. I refinanced with XXXX XXXX, who paid off my CitiFinancial mortgage on XXXX XXXX, 2015. CitiFinancial cashed the XXXX XXXX payoff check on XXXX XXXX, 2015. On that same day, XXXX XXXX, CitiFinancial took an additional mortgage payment from my bank account, an overpayment of over {$1600.00}. XXXX XXXX and I are attempting to resolve the overpayment with no success with customer service at the CitiFinancial XXXX office. The customer service representative is " XXXX. '' XXXX is not cooperative and crass. 
Today, XXXX XXXX, 2015, I received a CitiFinancial letter from XXXX XXXX XXXX, XXXX Center Manager. The letter begins : If the present delinquent condition of your account is not corrected, it could result in foreclosure and the eventual sale of your home to satisfy this debt. 
CitiFinancial is threatening to foreclosure on a customer who has never had a late payment, from whom they collected an overpayment, and they cashed the XXXX XXXX check closing the CitiFinancial account on XXXX XXXX. 
Your kind attention to this matter is greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted incessantly and at all hours by various representatives of "  SW Credit Systems LP.   '' They claim I owe {$260.00} to  XXXX  from  XX/XX/XXXX  and on   XXXX   listed this is my  XXXX  credit file. I do NOT owe "  SW Credit Systems,  LP '' ANY balance whatsoever nor anyone they claim to represent, including  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with Arnold Scott Harris, P.C. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: the company keeps calling me and threatining me harrasing me to pay debt I dont owe I keep telling them not to call they keep on calling at my work office residence please have this company stop calling me and threating me the company name is XXXX XXXX AND LOCAL XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is still reporting a delinquency which is more than 7 yrs old and will not change their reporting status after multiple attempts through the credit reporting agency. The original delinquency began XX/XX/2009. they are a 3rd party collection agency and began their reporting when they took over the loan, which is incorrect. Per the fair credit reporting act, they are supposed to start reporting from the original delinquency date. Therefore, this reporting would not be on report because it is beyond the 30 day reporting status. Included are the documents stating the actual date and the credit report showing their reporting date. The credit reporting agency said they cant make them report correctly but that it was illegal. I have sent the same information to the credit reporting agency but to no avail. Please help me, to confirm they are incorrect in their reporting so I can clear this off my credit 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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: ON XX/XX/XXXX I CONTACTED XXXX XXXX XXXX TO DISCUSS A CHARGE OF {$290.00} ( CHARGED-OFF ) ON MY CREDIT REPORT. I WAS A PREVIOUS STUDENT ATTENDING THE XXXX   ON FINANCIAL AID WITH NO OUT OF POCKET COSTS. DUE TO MY HEALTH AND HOSPITALIZATION I WAS UNABLE TO ATTEND THE CLASS AND NOTIFIED MY ACADEMIC ADVISER IN XX/XX/XXXX. I VERIFIED WHAT THIS CHARGE WITH FOR WITH THE SCHOOL AND I WAS TOLD THE SCHOOL WAS REQUIRED TO RETURNED FUNDS BACK TO THE DEPARTMENT OF EDUCATION AND THE PRORATED FEES WERE ASSESSED TO MY SCHOOL ACCOUNT. 

- THE PROBLEM IS I WAS NEVER NOTIFIED OF ANY TYPE OF FINANCIAL AID PROBLEMS. 

- THE {$290.00} IS A RESULT IN A FEE THE SCHOOL ASSESSED FOR A CLASS I DID NOT ATTEND. 

- I WAS NEVER PROVIDED AN OPPORTUNITY TO PAY THE FUNDS IF FACT I AM RESPONSIBLE. UNDER MY STUDENT ACCOUNT HISTORY I WAS NEVER INVOICE FOR THE AMOUNT SHOWED CHARGED OFF ON MY EQUIFAX CREDIT REPORT. 

- XXXX  XXXX XXXX IS NEGATIVELY REPORTING A CHARGED OFF ACCOUNT THAT HAS NEVER BEEN VERIFIED AS VALID ON MY EQUIFAX REPORT. 

- THERE IS NO AGREEMENT THAT HAS BEEN PROVIDED THAT I HAVE WITH THE XXXX   REGARDING ANY FEES THAT I OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Bank account or service (Checking account) with ARVEST BANK GROUP, INC. (SC).
Issue: Account opening, closing, or management

Complaint: Loss of points " XXXX '' collected by my Arvest credit card purchases. Prior to leaving XXXX in XXXX XXXX or XXXX, XXXX I went to change my home address on my Arvest Bank accounts. At the time I spoke with the Bank Manager I was told that I had accumulated a significant amount of points that I could use as I wanted. Once I got settled in XXXX in XXXX XXXX I went to access my points on my account ( via the XXXXXXXXXXXX ). The online account said I only had XXXX points. When I called the main branch the manager remembered our meeting and that I had a signifcant amount of points, but had no knowledge of what happened to the points after that discussion. I talked to several administrative staff in XXXX over the phone, but none could help me with this matter or even find documentation on the account history. I was told that they did not keep account history. I can not believe that account records are deleted at the end of the year with no record of transactions maintained. I questioned this practice by the Supervisors at Arvest because I have been banking with other Companies for years and they could always account for my spending and interest earned. I think that Arvest is taking advantage of me because I am elderly. I am very concerned as I still have accounts with this bank, If I should die will my family be able to get this money or will it disappear just like the points I earned. I know that I spent at least {$4900.00} to {$5500.00} yearly with the card. Do I have any recourse on getting my points back and have they told me the truth about not being able to look back at my past history on my account?

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: There was a fraudulent credit inquiry that I was made aware of in XX/XX/XXXX with CBNA Sears that happened on XX/XX/XXXX. I initially called Sears CBNA in XX/XX/XXXX when I conduct my annual credit report check and was made aware of the fraudulent activity, and was transferred around multiple times by different representatives getting the run around, I was told to mail my police report to the CBNA Sears office in South Dakota, and now they are asking for a account number that does not exist as the store card that was fraudulently applied for in my name was denied. I mailed out the letter and waited a few weeks for a response from Sears ; I received a letter from CBNA Sears XXXX XXXX XXXX XXXX XXXX, South Dakota XXXX on XX/XX/XXXX, the letter stated that since I did not have a account number they could not process my request to have the hard inquiry for a Sears Store Card removed from all of my credit reports. I sent them a police report stating I was a victim of identity theft and they are not handling the situation at all. I want the fraudulent credit inquiries removed from my credit report on all three credit bureaus. 

Thank You

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 04/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 've been communicating with the XXXX of XXXX manager, XXXX regarding a debt they 've originally noted to be XXXX and I challenged the amount. They then reduced it to XXXX and I challenged that amount as well. I never owed any of these amounts, and they 've since re-aged the debt and are submitting XXXX debts to the bureaus. XXXX of the debts are listed under the Apartment XXXX and the other under Resident Collect. The manager at apartment gave me the number to XXXX XXXX at the Collection agency who she had spoken to that very day regarding my file and suggested I speak to her myself. XXXX XXXX was extremely rude to me. She cut me off before i finished my concern. She said she would transfer me to someone else and when i told her that i preferred speaking to her because she was familiar with my case, she told me since i didnt want to write down the number, she would just transfer me and hung up. When I attempted to reach her several times after that on the same day, she transferred call to another area. When they picked up I asked for XXXX XXXX 's supervisor and the lady questioned me why I wanted to know that, said she would n't give it to me and hung up. I called again several times and they just kept putting me on hold or transferring the call. I finally left a message for XXXX XXXX and to this day, I 've still not gotten a return call. They were rude, disrespectful, did n't offer me any assistance at all. I am trying to buy a house and it is critical that I get this straightened out as it can possibly cause me to lose my chances of purchasing a home. They never gave me proper documentation that said there were damages I did n't make. I did n't leave the apartment in the state they noted. 
I am losing something far greater than they are trying to collect. I 'm working extremly hard to get my credit up to standards to purchase a home and have attempted on so many occasions to resolve and to be so close and can not get any assistance or even a return phone call is totally unacceptable. They could care less if I resolve the issue or not. They are reporting me XXXX and its hurting my credit beyond words as the debt reported on both are high numbers. I can not fix anything without any communication with them. My hands are tied and its extremely stressful. The lack of respect totally affected my health to the point where it triggered a XXXX and my XXXX. These are supposed to be professionals. Something should be done with these collection companies that treat you as though you 're nothing and does n't think respect and professionalism is needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Student loan (Non-federal student loan) with AES/PHEAA (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I requested my mother be released as a co-signer and AES has disapproved my request because I was once in forbearance. Both of my parents have co-signed on most of my student loans but both are very sick and will soon be on XXXX, losing about half of their income. Once they XXXX, I am concerned that the entire amount of my loans will come due. I am now married, my family size has gone from XXXX to XXXX and our income combined still does not allow me to pay {$690.00} a month in XXXX payment of combined student loans, let alone the remaining {$500.00} a month for a total of close to {$1300.00} a month plus rent, utilities, car payment, insurance, etc. They are not willing to work with me or my co-signers on anything. Its basically too bad. We have nothing they can take, to garnish our wages means starving our families, which for my parents means them not being able to feed their XXXX grandchildren they have custody of and me not being able to feed my XXXX. Things change many years after taking out loans. Life circumstances dictate whether we can make payments. Their interest rates are ridiculous. Please help. Thanks ... XXXX XXXX, XXXX and XXXX XXXX, XXXX. Please ensure call ID says who you are when you call.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name from XXXX XXXX, I had periods since XXXX where my payments were in excess of XXXX days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XXXX of XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation