milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I had a security service paid monthly with XXXX back in XX/XX/XXXX and part of XX/XX/XXXX on our previous home back in XXXX UT. We cancelled the service in XX/XX/XXXX when we sold the home. XXXX continued to charge me for this service even though we did n't own the home any more. I thought this was cleared up in XX/XX/XXXX but now, in XX/XX/XXXX, I see a collections company called XXXX XXXX out of UT, put a collections action on my credit report. I tried to dispute online with Experian but I could not because I did not have a " Report Number ''. I tried the alternative way where you enter in your personal information and all it did was send me to a page that had their mailing address, etc. -- therefore I could not dispute online. I had to call and I waited for over 20 minutes to talk to someone and I started the dispute with that agent. 3 weeks later and I have not heard anything -- so this time I signed up for their credit service to get a new credit report thinking it would give me a " report number ''. It did n't. 
I say all this because I disputed with XXXX and it was an easy process to do without a " report number ''. the " report number '' requirement is a scam to get you to buy a report as there is no number on the free report or even on their monthly monitoring service. Also, we are in the process of buying a new home and my credit score has dropped over 100 points because of this collections item. I read where FICO scores are not supposed to factor in disputed items but now it looks like Experian did not actually put in the dispute. I have tried calling in again -- waiting on hold for over 10 minutes and then they tell me they have to transfer me to their disputes department. 

This process NEEDS TO CHANGE! CONSUMERS NEED MORE RIGHTS AGAINST THESE 3RD PARTY COLLECTIONS COMPANIES AND AN EASIER PROCESS TO DISPUTE!

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 11-01-2016 about Bank account or service (Savings account) with FIRST NATIONAL BANK OF OMAHA (FL).
Issue: Problems caused by my funds being low

Complaint: In response to CFPB Complaint Case number : XXXX Thank you for your response to CFPB Complaint Case number XXXX. However, I am not satisfied with your response. XXXX acknowledged that they engaged in XXXX actions that I consider unfair and predatory. First, XXXX switched the order of ACH transfers that resulted in XXXX charging XXXX Returned Item Fees instead of XXXX. Second, FNBO re-submitted these transfers, without my consent, and after I had already attempted to rectify the issue, resulting in XXXX being able to charge XXXX Returned Item fees instead of XXXX. Despite this, XXXX did not offer to waive XXXX additional XXXX XXXX fee as requested. As a result, I am filing a new complaint with the CFPB and will continue to keep doing so until at least XXXX of the remaining XXXX XXXX XXXX fees on my account is refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ID).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I graduated from college in 2007 and began teaching. I have tried in the past to get the XXXX XXXX  repayment plan. I was turned down two different times. I have XXXX in XXXX XXXX XXXX schools and should have been able to get on this plan. Navient has steered me into defements. My interest has become almost as much as the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with BARCLAYS BANK DELAWARE (UT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: The Barclay card services XXXX XXXX XXXX XXXX withdrew funds from my checking account via Electronic Funds Transfer with out authorization. When I confronted the Barclay card Services, they stated that someone with IP addresses from XXXX XXXX and XXXX Utah gave permission to do so. I and my band XXXX XXXX filled an investigation into the matter and I was found without fault. I was told to file a stolen identity report with the credit bureau and the police department. I filed the reports with the agencies and then wrote the Barclay card services in regards to the time I spent doing this and asked them for the IP addresses so that I could give them to the police for further investigation. It is in my belief that this is part of the XXXX XXXX indemnification of their customers. I never received a letter in return regarding my Identity thief and believe that this is a form of discrimination and consumer abuse. I have continued to make payment on the credit card, but believe I am entitled to relief for all the time and banking processing that I have suffered do to the security of the Barclay Card Services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On  XXXX   XXXX , I called Chase Bank asking to use th e Stop Payment Service on two  incoming charges of {$650.00} and {$430.00} from  XXXX , an online service company. I was worried about the money because I saw some negative reviews about  XXXX  and could n't find a way to contact them. The  Chase  representative reaffirmed me that as long as I gave them the correct amount, Chase would reject any payments matching that amount regardless what other names  XXXX  might use.  <P/> On  XXXX   XXXX , I called Chase to cancel the Stop Payment and if I could get a refund for the Stop Payment fee that was charged. The representative refunded the fee. And I was aware that even if Stop Payment is canceled, it would still be effective for  one day, so the two p ayments would n't be charged until  XXXX   XXXX . And just to be safe, I deposited an additional {$1000.00} at  XXXX   XXXX  into my account for any unexpected issues. However, I found out later that my account had an overdraft fee of {$100.00} because of the two payments of {$650.00} and {$430.00}. If the payments were charged like what was promised on  XXXX   XXXX , there would be no overdraft.  <P/> On  XXXX   XXXX , I spoke to Chase, they refused to refund the entire {$100.00} due to the courtesy limit and insisted that no mistake was made on their part. I explained my situation t o   XXXX  , t he supervisor, she was just as frustrated as I was. And told me that they will listen to the types to see if I was telling the truth.  <P/> I feel extremely disappointed in Chase. Used to think that Chase was the better bank. Now, or maybe I was just wrong,  Chase  like the others will look for ways to reach in your pockets for fees. I really want to know what happened to the overdraft fee ban. Can a bank just be a bank? And not act like a government entity constantly seeking ways to punish people financially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit determination

Complaint: Banana Republic ( Synchrony Bank ) ran my credit four ( 4 ) times XX/XX/2015 for a department store card I opened. The dates the Transunion reports were run are : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. My credit is monitored by XXXX, and they facilitated a call between myself and Banana Republic. In the call, I specifically asked why my credit report was run four times for XXXX department store card. They said they do not know and would send a letter. The XXXX representative told me privately that it looked like XXXX accounts were open in my name, even though I had only requested XXXX account. I had also requested in 2015 that my Banana Republic card be cancelled, by calling a store representative.

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 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Capital One put my card on restricted hold sometime in XXXX XXXX and deactivated after. 
I have been using the card since XXXX XXXX and I have earned, I believe, more than XXXX reward points which is approx {$500.00}. 

Capital One coded the issue as " fraud '' and I did not request the card to be deactivated since I am still using it. Due to fraud, they have requested multiple documents to verify my identity such as copy of driver 's license, social security card and proof of residence which I all submitted. 

I have been doing multiple follow-up and talking to several representatives almost every other day in XXXX and each one gives me a different answer on status of reactivation or card and points.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Consumer Loan (Title loan) with CHECK INTO CASH INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: check into cash is charging me excessive interest on my title loan. When I make my payment which is {$880.00} a month most of the money goes to the interest. Most of my payment should go to the principal. The manager told me also my payment is never going to be any lower.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: ORIGINAL LOAN was through XXXX XXXX XXXX when I was married to my former wife. I left the house to her. I never received any documentation that the home was being foreclosed on nor received any letter about a second mortgage. My account was later closed with XXXX XXXX XXXX, and then XXXX XXXX took over the balance. My credit report still shows owing $ $ for both companies and although they are all labeled as closed, XXXX XXXX keeps adding money on what I supposedly owe. There is no date of last payment and both accounts are 11 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: On my job for employment is wrong. The company they have for my current employment I haven't work there in 13 yrs. Iam currently employed by XXXX XXXX where I've been since XX/XX/2008.

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 02/21/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: RE- XXXX XXXX To whom it may concern, I am horrified of SPS , and here is why : In or around XXXX XXXX SPS allegedly bought our loan from XXXX on or around XXXX XXXX, XXXX I received a letter from XXXX XXXX XXXX stating that my loan was in foreclosure SPS had my loan for less than 20 days prior to sending my loan to the foreclosure department I filed a complaint against the servicer with CPFB and also highlighted the fact that they never gave us a welcome letter, a mortgage coupon nor did they offer any alternative programs as required by law Within their response SPS stated that XXXX XXXX was hired by the previous servicer and they stopped a foreclosure that was never supposed to take place ( PLEASE SEE ATTACHED ) Unbeknownst to me SPS sent documents through the CPFB portal and never mailed said documents to my house SPS also stated that the reason that they did not offer any alternative programs is because they do not have a phone number when in fact I have had the same landline for over 20 years As I reviewed the documents I noticed that the payment history/accounting details they provided were only for the fiscal years of XXXX-present SPS to the best of my knowledge based off the documents sent have no accounting history or details from XXXX to XXXX. So how do they feel the accounting is proper when 6 years of details regarding my account are undocumented or missing from accounting. 
SPS also cancelled my homeowners insurance and told my insurance rep that the house was foreclosed on in XXXX ( PLEASE SEE ATTACHED ) when in fact a foreclosure never took place in XXXX or XXXX I also became aware as of yesterday that XXXX XXXX XXXX XXXX XXXX XXXX does not own my loan XXXX XXXX XXXX owns my loan however XXXX XXXX is advertising that the XXXX XXXX XXXX XXXX XXXX owns the loan Please also note that the mailing address on file is an unauthorized mailing address and was taken off my mailing list over 2 years ago SPS and XXXX XXXX, have not followed the laws regarding accounting, the fair debt collections practices act, privacy act, GA foreclosure codes rules & procedure HAMP, RESPA, XXXX and I am sure many other state and federal laws Lastly in XXXX we were involved in a Class Action Law Suit which stated that XXXX did not have any relationship with me to offer a loan modification pull my credit and or attempt to foreclose SPS is not a listed creditor on my credit profile as a mortgage servicer and shortly after the class action notice XXXX stop reporting to my credit report as well.

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 01/19/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Calvary XXXX XXXX received the COMPLETE debt payment in XXXX XXXX. They DID NOT give this payoff info to any of the credit bureaus. This resulted in me being UNABLE to ACQUIRE any CREDIT for the last TWO YEARS. They further lied to me and told me it was NOT their responsibility to report this payoff, and yet it was. They have INJURED my CREDIT WORTHINESS for TWO YEARS due to not properly reporting this info. 
When I spoke to someone at Calvary in XXXX XXXX, they did their best to throw me off onto trails of misinformation. Told me to call the courts, told me to call the other company, told me to call the other attorney ... a huge amount of nonsense, and days of phone calls and follow up, only to hear for the court and the attorneys that CALVARY was SUPPOSED to REPORT this PAID OFF DEBT back in XXXX.

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 EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX XXXX, 2017 I directly contacted Equifax to request a copy of my Credit Report to be mailed out to me. I do not have access to my credit report online for disputes or viewing. Whenever I call this company, I am transferred to Consumer Affairs only to be told that this is the highest level of escalation. On this day, I spoke with XXXX. I requested for him to mail me a copy of my report as this is the only way I have access to my credit report due to the company 's unethical practices. I was then advised by XXXX that I needed to sign up for their credit monitoring services. I advised him that I had no desires to sign up with any services with this company because I do n't trust them. He refused to mail me a copy of my report. 
I have filed numerous complaints in which my issues have not been addressed, in fact the company failed to respond to my complaint with the Georgia Department of Law. 
It has been publicised in the news that this company was negligent with not just my information but everyone 's information and they have experienced a breach which compromised many consumers personal information. The time that this breach occurred is the time in which I received multiple fraud and extended fraud alerts added to my credit file without my request by this company. 
I, unfortunately, sent in copies of the information requested by this company such as driver 's license and social and will not be doing so again since they do n't know how to keep my information safe.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with URS Holding, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I forwarded the following with all attachments of payments to this debt collector but I am still getting contacted. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 2016 Alltran Financial , LP XXXX XXXX XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number ending in XXXX To Whom it May Concern : I have received your bill in the amount of {$3900.00} regarding a collection for the XXXX Account. I have paid this bill in full to XXXX on XXXX XXXX in the amount of XXXX with the following confirmation number : XXXX. I no longer owe any debt to XXXX bank. 

Please check your records and correct my account. Also, please do not send me any more bills or call me until this matter is settled. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with ERC (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX did not provide adequate verification for debt question. no documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have had a problem with equifax since  XXXX  of  2017 .   XXXX   XXXX   has submitted multiple requests to have some hard inquiries removed off of my report. I have previously submitted letters to cfpb that show where the   XXXX   XXXX   submitted the request. They submitted the request again on  XXXX   XXXX ,  2017  and spoke with equifax business at  XXXX  option  XXXX . They were given case number  XXXX  as proof that the inquiry 's were removed but they 're still on my personal credit report. Equifax is a horrible company who gives consumers the run around. I was told to send a copy of the letter from   XXXX   XXXX   and they would remove the inquiry in which they have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are :   XXXX   XXXX   XXXX   XXXX   The illegal, fraudulent inquiries that are not covered by fair use are :    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  , &   XXXX   XXXX   XXXX  ,   XXXX   XXXX  .,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX      XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX   &   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 07/20/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NY).
Issue: Struggling to pay mortgage

Complaint: I am currently in foreclosure settlement conferences in New York. CitiMortgage, the servicer of my FHA mortgage, gave me a loan modification application for my FHA mortgage. I completed the application in full, and sent it to CitiMortgage. Now, they denied my application because they claim that they are not authorized to modify the FHA loan. I appealed their denial, asking them to abide by HUD guidelines. Today, they denied the appeal, using the same excuse ( they are not " authorized '' to modify the mortgage. )

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 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I had my card number stolen. Upon speaking to a representative that contacted me they informed me that they would just send a new card and that nothing was ever charged. As a result, there was a charge. Now they are requiring a police report, which was not what I was told. This is a simple lie to a customer and I have it recorded. I am leaving for an extended vacation and they said that this has to be done in two weeks. I understand that the rep was " not trained correctly '' but that is still lying to a customer. 

The representative stated that the charges were all stopped. 

All my cellphone calls are recorded in compliance with Minnesota State Statute.

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a letter to Equifax on XXXX XXXX. I asked them to investigate my account, and make corrections. Almost two months have passed, but I have yet to hear back from them.

Company response to consumer: Closed with explanation