milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2015 about Consumer Loan (Installment loan) with BlueChip Financial (GA).
Issue: Managing the loan or lease

Complaint: Concerned the loan ( SPOTLOAN ) may have been illegal for the state I live in at the time it was approved. It appears the company is no longer doing loans for state of GA. Money was deducted from my account every payperiod. When my bank account was suggested to be closed due to fraud against it, I contact the company and was advised I could now make my payment by debit card. Called to make my payment, and system was down. Was told I would not be penalized when calling back to make payment. I called to make my final payment and was advised my account was marked as collection. Payment was charged for interest due to company not being able to accept payment on due date

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: MY SSN CARD IS ATTACHED and My there is an inaccurate SSN on my credit report that they fail to remove. My correct SSN is XXXX REMOVE ASAP XXXX SO XXXX Can you take a look at the account responsibility and number and remove this collection immediately. I do not believe it is accurate. 

XXXX XXXX Begin reviewing the account name, account type, and account number. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXX XXXX am requesting investigation of the account name, opening date, and date of last activity. This information seems to be misleading. Immediate removal of this item is greatly appreciated. 

State Tax Lien XXXX Can you please run an investigation on the public record type, docket record and amount owed. Please remove this public record for violating the Fair Credit Reporting Act it does n't seem right. I have included the documentation from the Georgia Department of Revenue showing that this is inaccurately reported. So, I need for you to Delete this account ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (CT).
Issue: Struggling to pay mortgage

Complaint: We are in the process of trying to do a short sale on our home in  XXXX , CT. On  XX/XX/XXXX  I sent a fax to Chase and asked them to rectify the error they made in recording the lien on our house twice. In the fax I asked Chase to call me and mail written confirmation that they have corrected this error. To date I have received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My XXXX loan XX/XX/XXXX. {$54000.00} XXXX sold to Navient XX/XX/XXXX my XXXX loan, sold to Navient was {$53000.00}. 
Today, XX/XX/XXXX my Navient loan is {$53000.00}. 
In Sixteen Years, I have had various sums of money taken automatically out of my checking account every month. Maybe 3 or 4 mixups during the changing from XXXX to navient. Can some one tell me why?? Why not one XXXX of my principle has gone down in Sixteen years. 
When my daughter XXXX XXXX XX/XX/XXXX we looked toward our lender for help and guidance as to what was the minimum payment we needed to make in order not to be turned over to a credit bureau. We were told to go on a forbearance. We followed their instructions. I believe during that time, XXXX took advantage of me and my family. Can it be possible that I have GIVEN XXXX of dollars to XXXX and Navient, and have not brought my principal down????

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my first home in XXXX XXXX. Our Wells Fargo loan officer provided us with home owner 's insurance through Minnesota XXXX at the time of the purchase. In XXXX my XXXX income household went to XXXX income and in XXXX I qualified for a XXXX modification. My original loan interest rate was 6.1 %. The XXXX reduced the interest rate to 2 % for five years, and after that five years my interest rate would rise 1 % until it went back to the original 6.1 %. My interest rate began climbing in XXXX. I was again having trouble making mortgage payments and talked to Wells Fargo repeatedly about a refinance or another modification. It was n't until I contacted another lender, that I was made aware that my home owner 's insurance was {$5100.00} a year adding {$420.00} to my monthly mortgage bill. I originally paid {$250000.00} for a XXXX square foot split level on less than half an acre. I have since cancelled the policy with Minnesota XXXX and am now with XXXX paying {$1300.00} a year for insurance. Why was I being charged such a high amount for my home owner 's insurance? I am a first time home owner and had no idea that was almost four times the amount I should have been paying. Why did n't any of the loan officers at Wells Fargo catch this during XXXX of my many many phone calls? My house is now worth {$240000.00} and at this time I owe {$180000.00}. I 'm guessing it was not in Wells Fargo 's best interest for me to keep my home as there was almost {$55000.00} in equity for them if I was unable to keep making payments and foreclose. I spoke with a real estate agent about selling my home, but for me to make any money, my home would need quite a few repairs and updates. I have been at a loss for the last year. I have spoken with Wells Fargo XXXX last time to try and resolve this issue and understand why no one caught my criminally high insurance premiums. I started my phone call with the Customer Service department and was transferred to the refinance department. XXXX, the representative I spoke with was unable to even look at my loan and she transferred me to the main menu which was unable to process my call and hung up on me. When I called the main number again, I got a message that due to high call rates I would be on hold for a very long time and I should call back. I have hit brick walls at every turn when I 've tried to work with Wells Fargo to keep my home.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting my Date Of First Delinquency inaccurate according to XXXX XXXX my Date of First Delinquency is XX/XX/XXXX and stated that last payment was XX/XX/XXXX before the account went to charge off. I agree that was the last payment I did was XX/XX/XXXX but the payment was returned by the bank and should have not credited to my payment history as payment last payment was XX/XX/XXXX. I am requesting Honda to delete this seven year account that they are still reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX XXXX XXXX XX/XX/XXXX USAA/ Consumer Report Dispute Attn : Form Code # XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX, I still have not received your official response to my attached later from XXXX and closure of my identity theft case in your organization as outlined in the attached correspondence. 

However, in the very beginning of XX/XX/XXXX, after more than five months of lengthy and very painful follow ups by numerous calls and correspondence with your organization, XXXX XXXX XXXX from the office of the CEO at USAA confirmed verbally to me and my attorney, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX, that finally USAA has recognized and confirmed this case as an identity theft! At the same time, for reasons unknown and surprising to me she said that your organization needs a bit of time to close this matter properly within USAA before confirming to me and credit bureaus in writing! Furthermore, after several calls with XXXX XXXX she promised that the case will be properly closed and communicated to me and all the credit bureaus the latest by XX/XX/XXXX. As of the date of this letter to you on XX/XX/XXXX and after several further reminder messages to XXXX XXXX I am still awaiting proper closer of this matter which has caused me unbearable personal and financial stress during the last six months. If you disagree with any aspect of the foregoing please do advise. 

I believe that I have been more than patient with your organization during the last 6 months, during which I have had to put many personal and business activities on hold, which have resulted in unbelievable hardship to me and my family, in addition to significant financial losses. I am therefore writing to you one last time in the hope of moving your organization to do the right thing with urgency and clear my record immediately, as you have already decided, by clear confirmation in writing to me and all the credit bureaus. In the absence of a quick remedy so that I can put my life back together, I will have to take the very unfortunate step of referring your organization to the court of law and I will hold your organization accountable for all the legal and personal costs that I have already incurred and will incur in the future to bring this matter to proper close. 


Sincerely Yours, XXXX XXXX CC : XXXX Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX, XXXX XXXX FBI XXXX XXXX Special Agent XXXX XXXX XXXX XXXX, XXXX XXXX Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Attorney At Law XXXX XXXX XXXX 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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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: XXXX XXXX XXXX did not process my payment which was on time. They state I was 60 days late and yet when I contacted them directly, they admitted the account was paid in full and they received my payment. They sent me a letter indicating that there was zero balance and never late. But would not update my credit report indicating that I should use the letter to dispute with Experian.Experian rejected the letter and kicked it back to 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 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While checking my credit report I noticed credit inquiries that I did not authorize made by the following companies :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Being  that I d id not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting A ct Section 1681b ( c )   and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a subsidized and unsubsidized loan with American Education Services. I have been paying a few dollars extra every month and today I reviewed the account and found out that they have not applied any money towards my principal. When I called them, they said my account is in a " pay ahead '' status and explained that the money is being applied to the principal but it just does n't reflect the account yet. I do n't understand where the extra money is going and they ca n't provide me with an accurate amount I owe stating the " system '' will figure it out if you decide to sell your loan. 
I 'm concerned that AES is not paying down my loan and in the end I will end up paying more.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been trying to upload additional documents to dispute incorrect information on my credit file and Experian 's upload site will not let me upload files nor will it allow me to dispute the information.

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 05/15/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian fails to remove the XXXX XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly the date of first delinquency for removal. Experian reports incorrectly that this account is negative. Experian reports incorrectly that this account is scheduled to continue on my report until XXXX 2020 even though I received a XXXX Cancellation of Debt from XXXX XXXX. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Tower Loan the memories of this company is vague. However, I recall getting a loan from this company back in XXXX I believe. It was on behalf of merchandise that they financed. Well, I paid my bill and made payments on time. well, one day I received a phone call that the company had terminated a young lady that was employed with the company, but was stealing. She was taken payments from the customers but were n't actually posting the payments to the customer account. I informed the person that I was speaking with that my account was paid in full and that I did n't owe any debt. This is XXXX so since XXXX I do not currently have any receipts to back up anything that I am stating at this point. I do not neglect in paying any of my bills and I never have. This company is constanly pulling a hard inquiry on my credit report without my permission and calling me on my job making threat and calling my home upsetting my mother that is ill. If I owe this debt I would pay it, but I do not owe anything to this company. At XXXX point I made a payment or XXXX until I realizes I am making a payment on a debt that is no longer my debt. I asked for receipt, but was told I could not get XXXX until all payments was paid in full.

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 09/22/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Closing/Cancelling account

Complaint: I had an account that was closed over 7 years ago and its still being reported on the credit agencies. 
Please have them remove it thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Billing disputes

Complaint: I signed up for a gym membership and months later cancelled on XX/XX/2015. However, I was still being billed and am still being billed for this membership even today. I cancelled this subscription in person at the gym, and the gym told me it would take only 30 days to take effect. When I called Chase to explain I was still being charged, they acknowledged my calls but never stopped the merchant from frivolously charging my account. Chase has not adequately protected me from this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-10-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern, We are currently trying to have a subordinate lien removed from the title on our home. 
It was placed there back in XX/XX/XXXX. 
We had fallen behind on our mortgage when my husband lost his job. 
We were told that it was just being added to the backend of our loan and only became aware of the lien last year when we tried to refinance. We later got on track and about or around XX/XX/XXXX our loan was purchased by Bank of America. 
We had been struggling to make ends meet and inquired about doing a modification on our loan with them. 
They said the only way to do that was to stop making our payments. 
So reluctantly on their advice we did. 
We were told we would receive documents to start the modification process soon. 
We waited and called to follow up weekly. 
We were told to be patient that there were a lot of loans being modified and they were on overload. 
Several months in we became scared of going into foreclosure. 
Still no modification paper work. 
At this time we got help from family to get caught up and called BofA to cancel the modification. 
Again we were told we would receive paperwork and never received anything. We later discovered that in XX/XX/XXXX BofA did a forgiveness for all the people that had fallen behind due to their failure of completing those modifications. 
We believe we should have been part of that forgiveness. 
We have pursued this with them multiple times. 
They said the reason we were n't included is because we were n't behind on our loan at the time they did the forgiveness. 
We feel that it is completely unjust that they are penalizing us because we tried to do the right thing! 
They promised us the modification that never happened! 
We have been in our home for 20 plus years and have no intention of selling! 
We feel that BofA should have included us in this forgiveness and had the subordinate lien lifted from our home. 
They said a company named XXXX had to lift it. 
In contacting XXXX they said BofA had to do that. 
So it 's been a ping pong game for the last year! 
We feel completely mislead by BofA and strongly feel that they need to rectify this situation. 
Our loan was with them at the time they did the forgiveness and we were completely cheated out of that opportunity to start with a clean slate. 
We have been wanting to refinance to try to consolidate and possibly lower our monthly payment. This subordinate is holding us back and we need help!!! Please whatever you can do to lead us in the right direction would be greatly appreciated!!! 
I have done a lot of research and it seems that we are not alone in being mislead by BofA. Please help us to right this wrong!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: on   XXXX   XXXX   i called Equifax 3 times, was hung up on twice, the last person named   XXXX   took my complaint and he said that for inquiring on    XXXX   XXXX   XXXX    this will add another 10 years which will not remove til    XXXX   XXXX    This is a fake. this account has been inactive since   XXXX   this is now  XX/XX/XXXX , i then called   XXXX   XXXX   and also got the run around, the rep who talked to me wanted me to give her my social security number, so i did, then she wanted my current address, so i gave her that, then she wanted my full name, and i gave her that, when i explained that this report has well over 10 years of stagnation to be removed she wanted the credit card number, i closed this account years ago, i dont have any card attached to them, so then she wanted me to send her or them a credit report of the statement i called about, i told her i am a   XXXX   XXXX  , i dont have access to an address to be doing this, so she pretty much was defiant on resolving this issue.
that makes it 18 years old. this should of been removed long time ago.   XXXX   XXXX    is a defective company and very undermining, just getting them to stop sending me statements when I lived in North Carolina from  XX/XX/XXXX -   XXXX   took the help of the   XXXX   because calling these people or animals was nothing more than defiance, insubordination and absolute refusal to meet civil rights. Who ever developed these credit bureaus was someone who wanted drama and chaos to happen. Such a pathetic boring way to live. these people are pompous and immature, no business skills, not even a business more like a sham.

here is what is on Equifaxs form:
equifax report

  XXXX   XXXX  

  XXXX   XXXX   

  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Advertising and marketing

Complaint: Deceptive advertising by Citi Card : I applied, and was approved for, a new Citi/AAdvantage Platinum Select credit card. Before I even received any documentation or my credit card, I received another offer for a Citi/AAdvantage Platinum Select credit card, which offered even better benefits ( an additional XXXX air miles which translate roughly to $ XXXX value ). When I called to ask to receive the better benefits, I was told that even though I can have multiple Citi card acounts, the offer was only good for " new customers ''. HOWEVER, the terms and conditions of the new offer letter clearly state : " This offer is only valid for new accounts '' and " If you are an existing Citi AAdvantage cardmember, you are not eligible for this offer on your existing account ''. But it does not say anything about being a new or recent customer. Citi card also refused to honor their offer even if I decided to close the just opened account ( for which I had not even received my documentation ). Failing to honor the offer as published constitutes deceptive advertising and unethical business practice symptomatic of Citi Cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief