milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 checked my personal credit reports and I noticed unauthorized inquiries had been made. I contacted the companies who conducted the inquiry to advise them that I did not authorize the inquiry and asked them to remove their credit inquiry from my credit profile but to no avail. Experian : XXXX XXXX Fl - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX XXXX, Fl XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX, Ne XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX : XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Mn, 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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The XXXX stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: AFNI FAILED TO VALIDATE A UNAUTHORIZED DEBT INQUIRY ON MY XXXX CREDIT REPORT DATED XXXX/XXXX/2016. 
SEE ATTACHED. 

IGNORED CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Credit card () with U.S. BANCORP (CO).
Issue: Advertising and marketing

Complaint: USBank provided an email claiming " Earn 20 % MORE REWARD POINTS on purchases made with your XXXX REWARDS XXXX Card through XXXX XXXX! '' However, very few people will receive any extra points. Fine print states you first have to spend {$2700.00}. Then XXXX reward points are earned per dollar only on " additional net purchases ''. That 's like advertising 20 % off the last {$10.00} you spend on a {$100.00} shirt, which is really only 2 % off. Most people will use the card more thinking they will get 20 % more rewards when in reality they will get no more reward on the XXXX {$2700.00} they spend.

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 (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Credit card company XXXX ( Bank of America ) sold my account to another company ( XXXX ) but XXXX never closed the account. I'm paying XXXX and XXXX monthly for same account. 

XXXX and XXXX member number are the same # XXXX XXXX XXXX XXXX expiration date XX/XX/XXXX ( XXXX ) -XXXX-XXXX XXXX XXXX expiration date XX/XX/XXXX ( XXXX ) -XXXX-XXXX I've been calling and dealing with this for a year and I'm paying XXXX   {$50.00} a month and XXXX {$97.00} a month. This is a financial hardship for me, the money is being taking out of my account and no one is helping me. I've called XXXX who sold my account and no one can tell me why they are still taking money from my account. I'm retired and going through financial hardship and in desperate need of help. Both accounts are closed.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX data breach ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to waive fees ... ..

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 07/18/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (VA).
Issue: Trouble during payment process

Complaint: I made a {$50000.00} payment on a timely basis, this payment included normal payment of approximately {$3400.00} and the rest was prepayment of principal. This payment showed clearing my bank account before due date of payment. I later received a notice that my payment was late and a late charge of {$110.00}. In looking at my account activity it appears that they applied the entire payment to principal. I called bank to discuss and they could not respond but continue to show late payment. I assume they also reported to credit bureaus a late payment.

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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My Equifax hasnt been updated since XX/XX/2016. Showing on There is a collection account in the amount of {$580.00} which says its still open and under the name of XXXX XXXX XXXX. I called XXXX and they told me they sold th account to a different collection agency which has been correctly and accurately reported to on XXXX by XXXX XXXX. I paid the account off in XX/XX/XXXX and they recently took it off my credit report. When I contacted Equifax the first time I had no issue with them creating an investigation into my account and my request for info to be updated. There is an inaccurate address reported by them which I requested to be taken off and I requested they update my account. I waited 2 weeks and when I called back they said the information I gave them to verify my identity was reporting inaccurate and they would not update my account unless I sent by fax a copy of my social security card and my I.D . Which I dont feel comfortable doing that

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am submitting additional evidence for a current complaint that is under investigation. XXXX. As stated before on XX/XX/XXXX my Equifax svore dropped XXXX  points. As a result of them removing my XXXX XXXX XXXX account from my credit report. This was done without my request or authorization. Since then I've been checking my credit more often. And to my dismay, Equifax has continued to re submit the same false statement on my report. They've adjusted the dates. I checked my XXXX  report. For reference as to what my actual report should look like. And their information is correct. Equifax has blamed XXXX XXXX for the false statements on my report. The fact that, i can check my transunion on XXXX XXXX and their information is accurate. Shows that the fault is clearly with equifax.

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 EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was the target of a security breach and millions of Americans and their personal information was compromised on XXXX/XXXX/2017. My information was a part of this hack as well, which may or may not include information such as my name, address, social security number, etc.
Equifax, while victim of a hack, did not take adequate measures to protect the information of millions. It is a breach of trust that such an incident could occur. Users have noticed that Equifax used poor methods of protecting said information, or showed easy ways to get around their encryption process.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX XXXX CA XXXX my family and I have been living here for many years. 
I want to file a complaint against Bank of America for violating the California Homeowner Bill Of Richts_Restriction on dual track foreclosure It became into Law on XXXX XXXX I was astonished in shock when I got a call on Friday XXXX XXXX, XXXX from a stranger notifying me that the house was SOLD the day before on Thursday XXXX XXXX. I advised the person on the phone that it was impossible because I was on a modification review with Bank of America Modification department and I had not received any letters of the denial on my modification review. My loan is a XXXX XXXX XXXX XXXX Loan a government entity this is unreliable I am a Veteran of the XXXX and I have been struggling with a XXXX make it impossible to continue to work I had to take an early retirement due to my XXXX. My income then dropped and I call Bank of America to requested help with my mortgage payment Bank of America agents advised me to STOP making my mortgage payments it was the only way they could help me and I follow their instruction they would help me with a modification under the ( HAMP ) Making Home Affordable program .I have been faxing all requested documents for a long time modification packages one after the other. I had a package submitted under review at the time of the AUCTION on my home. 
Bank of America is deceitful, shady, the method they have used to process my loan modification is dishonest after I was assured I would be eligible for the Making Home Affordable program if I followed their instructions and I did. 


I strongly believe Bank of America is not in compliance with the government standards and codes, especially with the California Homeowners Bill of Right on the Dual Tracking therefore I ask that you apply your regulatory authority and re-evaluate Bank of America policies and their process of assisting home owners with the modification under the Making Home Affordable ( HAMP ) program It is my believe their underlying guide lines contains misrepresentations, deception and violation of The Truth In Lending Act - TILA. This federal law was enacted in XXXX with the intention of protecting consumers in their dealings with lenders and creditors. 

I consider Bank of America to be deceitful, fake, unprofessional their lies and lack of willingness to assist home owners in times of crisis and desperation ; They should not be allowed to SERVICE XXXX XXXX XXXX XXXX XXXX. I evaluate them to be a poor customer caring SERVICER. Bank of America has demonstrated we are insignificant to them no customer value or respected toward Veterans or the homeowners at all.

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 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX has been sending letters and calling me stating I did not return my cable box. I returned the box when service ended and obtained a receipt that I faxed over with my dispute to the original debt collector. This must have been sufficient as I did not hear from any other debt collectors for over a year. Within the past few months I started receiving letters in the mail from a different debt collection agency, so I assume the debt was just sold to a different agency to try and collect on a false debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Taking out the loan or lease

Complaint: I requested and received a payoff quote on my Hyundai XXXX lease in XXXX. The payoff was good through XXXX. I decided to buy out the lease, contact XXXX for the loan. XXXX and I followed the payoff letter instructions and the lease buyout amount of XXXX, XXXX was sent to and CASHED by Hyundai Motor Finance. 
Hyundai then sent the funds back to XXXX even though they cashed the check on XXXX XXXX, saying we could not buyout the lease in the manner that we did that I had to " go into the dealer. '' XXXX states that because they cashed the check, the loan funded and closed. So now we have to wait another 10 days before the money is refunded to XXXX. Once that happens, I have to pay additional money to XXXX to payoff the loan, then take out a second loan incurring additional loan fees payable to the state. 
On top of that, Hyundai is increasing the payoff quote, I have to make another payment to then instead of lowering my monthly as planned. 
Hyundai provided a payoff letter with instructions. We followed those instructions. They cashed the check from XXXX, creating a second lien on my vehicle which also cost me money. When I received an email that they were processing a payment, I called to have the payment stopped because they already received the payoff. It was only then that I was informed that they were refunding the payoff funds. 
I did in fact go to a dealer on the 4th to attempt to work this out. The dealer gave me a payoff quote of {$600.00} LESS than the original. Then when we called in, the payoff was {$40.00} MORE than the original. I feel like Hyundai did not properly provide payoff instructions, is not giving me a fair payoff quote now, is holding funds for up to two weeks, and as such is earning interest they should n't - while trying to collect as much on the payoff as they can. 

At this point, the funds are still with Hyundai, they are charging me more interest, XXXX can not do anything until Hyundai returns their funds ... And then I have to start all over.. at their dealer and pay a second loan fee to the state.

Company response to consumer: Closed
Consumer complaint received 07-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: While enrolled in a XXXX program at XXXX University, Navient charged me Late Fees each and every month. The terms of my loan state that loan payments are deferred WITHOUT late payments when enrolled as a student. 

Beyond the late fees, Navient has consequently harmed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX I applied for a secured credit card. My credit report was pulled. I never applied at Navy Federal for any other loans or credit cards. But my credit was pulled without my consent two more times! Once on XX/XX/XXXX AND once on XX/XX/XXXX! My credit was pulled three times in a 17 day period. AT LEAST two of the were without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (PA).
Issue: Managing the loan or lease

Complaint: i am behind on my car payment but I have an automatic withdrawal set up to come out of account this month. they keep calling me every couple minutes sometimes XXXX in a minute. I know they are allowed to call but I did n't think this much. how can they do this. it 's depressing me. my phone beeping from them every minute of every day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted with her information that resulted in a fraudulent inquiry with Chase/XXXX that she did not authorize XX/XX/XXXX. A previous official dispute of this item was already sent to Chase/XXXX XX/XX/XXXX and again XX/XX/XXXX however as of this date Chase/XXXX has not sent a reply which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to equifaxsecurity2017.com, my personal information, potentially including name, birth date, address, driver 's license number, social security number, and credit card numbers, were publically disseminated by Equifax due to their extreme negligence. It is egregious that they did not take even the simplest security precautions to protect my information. This happened as early as XXXX and I was not notified until XXXX. Everything about this situation is entirely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America denied my loan modification application in a letter dated XX/XX/2017. The denial letter is attached. Bank of America stated in the denial letter that I was not eligible for " Repayment Plan '' or " Capitalization Modification Program '' because " your account does not meet the delinquency requirements under program guidelines ''. 

In response to these specific denial reasons provided by Bank of America, I sent Bank of America a request for information dated XX/XX/2017, to confirm that Bank of America correctly evaluated my loan modification options. The request for information is attached. One of the questions I asked was What are the delinquency requirements for " Repayment Plan '' and " Capitalization Modification Program ''? 

Bank of America sent a response dated XX/XX/2017. Bank of America 's response is attached. Bank of America failed to provide the requested delinquency requirements for " Repayment Plan '' and " Capitalization Modification Program ''. 

Since Bank of America denied my loan modification application with the reasons that " your account does not meet the delinquency requirements under program guidelines '' for " Repayment Plan '' or " Capitalization Modification Program '', I am entitled to the information when I request what those delinquency requirements are. I, as a consumer, have no way of confirming whether Bank of America correctly evaluated my loan modification options when Bank of America refuses to provide the delinquency requirements that Bank of America used to deny my loan modification application.

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 10/24/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The day after making my payment in XXXX XXXX XXXX XXXX XXXX Chase began to make unusual actions in the account. On XXXX, XXXX, XXXX, XXXX, XXXX, and on XXXX a series of actions called Payment were performed but they were all at zero, so no effect was experienced. On XXXX the bank made " a payment ''. Not me, them. The took this from suspense. Then on XXXX they removed my XXXX payment to pay back the suspense. I was now 30 days late. On XXXX I made my payment with no knowledge of the above. They took this to pay for XXXX instead of XXXX. I soonreceived a confusing and terrifying chain of paperwork. XXXX, this was as medically damaging as it was confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On XXXX/2017 I was approved by someone selling an " investment opportunity '' this ended up being a Pyramid Scheme, they used the name " XXXX XXXX '' they charged my Debit Card at Wells Fargo for over {$3000.00} total and then disappeared, they had promised to pay me {$150.00} weekly XXXX {$620.00} a month ) for 12 months and after they charged my debt card, they disappeared, they disconnected their phone and never heard back from them again. I tried filing a claim with Wells Fargo and they wont do it, they said that because I gave him my card I made them an " authorized user '' of my card, so they wont even attempt to recover the money, meanwhile this company is out there probably with another name scamming people our of their hard earned money

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