milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (KY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: around XX/XX/XXXX i contacted sterling talent solutions about being denied employment with XXXX. they didnt help me with anything and didnt offer to investigate the issue. i wanted them to point me in the right direction of what needed to be done but i was rushed off the phone. they didnt care at all about me being so upset about the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit determination

Complaint: Capital One Bank placed XXXX inquiries on my credit report however they did not follow the FCRA regarding fraud alerts and did not contact me to verify identity or that I even requested the application.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Advised creditor to cease calling on XX/XX/XXXX, after prior phone calls requests

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX  - 1.XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) XXXX  - 1.XXXX XXXX ( XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) EXPERIAN - 1. XXXX XXXX  (XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3.XXXX  ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5.XXXX XXXX XXXX (XX/XX/XXXX ) Please dispute these inquiries or  contact the reporting agency and request removal of these unauthorized inquiries.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Hi my name XXXX back in 2015 in XXXX i started school at navient school they gave ipad that would not keep connect to wifi which i was also told when tax time came around i would get school XXXX never receive anything from them and they also have been blowing up my phone the payment when i told them before kicking me out only a week in school that i was having problem with their tablet now their asking for when i move i lost it and cant .my only thing is i never got student XXXX for from them when i got ferdal grant that paid for tablet and they told me after 6 month i will half to start paying for my school.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Please Compare the Escrow Statement dated XXXX to the Escrow Statement dated XXXX - as well as the XXXX Billing. You will see three different monthly payments, wildly altered Escrow statements and fraudulent late fees being charged, but they not applied. 

1. Increasing escrow monthly payments based upon erroneous and fraudulent projections totally XXXX per year when escrow expenses historically for 10 year old mortgage avg. XXXX year. 
2. Refusing to re-figure escrow analysis and projections. 
3. Charging late fee 's but refusing to apply late fees to monthly mortgage payment, resulting in classifying said monthly payment as not yet satisfied. 
4. Hanging up when asking to speak to supervisor. 
5. Fraudulently and willfully omitting previous years escrow account balance in year end statement, thereby creating justification for escrow projections of double for current year ( i.e. Escrow account had XXXX balance, Carrington said it was XXXX, and therefor projected I needed XXXX more over the next year in escrow on top of the already XXXX my monthly payment included. ) 6. Reporting to credit agencies mortgage is 2 months or less behind when in fact the payments were made on the XXXX of the month it was due - fair credit reporting act violations. 
7. Willfully and knowingly lying to me that the FHA does not allow a homeowner to cancel the MIP portion of the loan. This is blatantly false. When confronted and forced to address the written law of FHA MIP requirements Carrington refuses to release the amortization schedule that they use to figure when my loan will be at 78 % equity. 
8. Willfully and knowingly refusing to release a current escrow analysis statement explaining why my monthly mortgage payment has more than doubled in the 9 months since they purchased my loan from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (Other debt) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received an alert from my credit monitoring service that a collection account appeared on my credit report for XXXX, XXXX, and XXXX. The collection account in question with XXXX XXXX is not mine. I called the company on XX/XX/XXXX stating my claim. They stated this account was from XX/XX/XXXX from a address that is unknown to me. They told me to dispute the claim, file a police report and email them and they would have it removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Mortgage (VA mortgage) with FIRST CONTINENTAL MORTGAGE LTD (TX).
Issue: Struggling to pay mortgage

Complaint: I applied for a XXXX XXXX modification on XX/XX/XXXX and on XX/XX/XXXX I was approved during a Bankrutpcy Chapter XXXX in which I filed on XX/XX/XXXX. The loan modification that was approved and implemented did n't support my financial hardships and a mortgage payment of {$1700.00} back on XX/XX/XXXX should have been around {$1200.00} with all property tax and home insurance included. Also all property tax and loan fees escalated the mortgage payments to {$1800.00}, {$1900.00} {$3000.00} as I received statements from lender. On XX/XX/XXXX another XX/XX/XXXX modification application was implemented, but it appears that a denial will be in place.The lender investors does n't want to lose money and they are going to lowered the mortgage at {$1200.00} with property tax and home insurance included. The present principal is around {$380.00} and interest {$890.00} with a interest rate at 4.12500. Why is so hard for lender investors to accommendate military veterans and citizens on XXXX XXXX and XXXX? Investors and lenders makes billions of dollars from military Veteran and Consumers. I put my home for sale with a XXXX XXXX Real Estate Agent on XX/XX/XXXX and reduced the sale price from {$340000.00}, {$280000.00} and {$270000.00} because the sluggish sales market and Real Estate home sales downgrading to 12 percent in the areas of XXXX XXXX. Also new construction home builders are making my home sales very tough because they are giving incentives of closing cost paid and many other benefits incentives in XXXX, Texas. I am going to dismiss my Real Estate agent and remove my home from the XXXX. I am going to stay in my home and hope that my XXXX XXXX modification and mortgage is reduced to affordable payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I added my husband as an authorized user on my XXXX rewards card. He is not a signer on the card. I just found out They are reporting it to the credit bureau. I called them and they refuse to remove or change it going forward and insist that they are allowed to do this. My husband signed a form to be added as an authorized user and nowhere on that form does it state that they would report it to his credit. I am the only card holder/signer. This should not be on his credit!

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 07-05-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (KY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My auto loan is with Santander Consumer USA. I am a co-borrower on the loan with my ex-fianc, XXXX. XXXX filed a Chapter XXXX  bankruptcy, and released his interest as a title holder on the car. The car was not included in the Ch. XXXX bankruptcy plan, as it is my primary vehicle and I did not file bankruptcy. Payments have been made timely on this loan since the time of loan origination. The bankruptcy filing occurred in 2016. Santander ceased credit bureau reporting at the account level upon the bankruptcy filing, versus at the borrower level, therefore there is no credit history on my credit report for this performing loan. When I contacted Santander they told me the only option was to re-finance the vehicle, which I am unable to do, due to low credit scores. If my loan was reporting as performing, at the extremely high payment amount I pay per month, my credit scores would be improving. Santander 's policy is negatively impacting me as a borrower. In addition, Santander shut off auto-bill pay due to the bankruptcy, when the auto-bill pay comes directly out of my account, and has been deducted for over a year now, post bankruptcy filing. I was not notified of this change, and when I contacted Santander to inquire why the payment had not been taken from my account, they indicated a notice was sent to XXXX XXXX bankruptcy attorney. As a result, my loan is now showing past due. Santander has zero options available for repayment plans, for me as a borrower, because again they have tied the bankruptcy filing to the account versus at the borrower level. Again, this is negatively impacting me as a borrower, due to Santander 's policies when there is a non-filing borrower and a filing borrower on the loan. Billing statements are not provided, and online access to my account is locked, due to the bankruptcy filing. So, while I am making my monthly payments, which is benefiting Santander, I have zero access to the balance of my loan, short of calling Santander and enduring extremely long wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX financial lost 2 of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff +

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Something has happened to my account. 
On XXXX XXXX, I lost my purse, which included my phone and my wallet. I contacted the bank on the to cancel my account. Since I no longer had a job anyways, I decided I would n't be opening another account. I was going to have to make arrangements for my checking account because it was over drawn. I was advised that I would need to visit a branch to do that, and at that time I closed out my savings account as well. I no longer have access to the accounts online and no one will answer any of my questions on the phone as to : A ) Why and how both accounts are right at or more than {$500000.00} overdrawn B ) Why did I get a statement on XXXX XXXX advising me that they were closing out all XXXX of my accounts. 

I do n't know what has happened or how any of this has happened, and now I 'm running into problems verifying my identy online with ANYTHING XXXX XXXX  XXXX, even the XXXX XXXX Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Home equity loan or line of credit) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: Mortgage Loan XXXXTo Whom It May Concern : I have submitted settlement offers regarding the above loan to Indymac Mortgage Services five times since XX/XX/XXXX. On XX/XX/XXXX I received a counter offer from Indymac in the amount of {$19000.00}. I agreed to this offer and was in the process of arranging a wire transfer when the account manager, XXXX XXXX stopped returning my calls. I was able to contact XXXX again on XXXX/XXXX/XXXX and was told to resubmit the {$19000.00} offer in writing which I did. I never received a response. 

On XXXX/XXXX/XXXX I received a call from XXXX XXXX informing me that the debt had been discharged and they were now in charge of collection on the account. The account XXXX, XXXX XXXX directed me to submit a settlement offer. I continued to submit documents over an over without a proper response or a settlement conclusion until a call to XXXX XXXX on XXXX/XXXX/XXXX was rerouted to a new collection company called XXXX XXXX XXXX. They informed me that they are now in charge of collection on this account. I resubmitted documents to them several times between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX, both of XXXX XXXX XXXX informed me by telephone that the offer was denied, but there was a counter offer of {$120000.00}. When I asked them for proof in writing from Indymac they refused to provide it and told me the full balance was now due. 

I never received anything in writing from Indymac or XXXX XXXX Services that they are in charge of my account. I do not know if this is a legitimate company as they will not share their address or domain. In addition they will not share with me the actual denial letters or counter offers that they claim were generated directly from Indymac. I have spoken to several representatives at Indymac who claim that XXXX XXXX XXXX still services the account and that they have the authority to settle the account on behalf of Indymac. Once again I am not able to reach anyone at XXXX as all of their calls are rerouted to XXXX XXXX XXXX. 

I am requesting that Indymac Mortgage Services contact me in writing with the reasons for each settlement denial, the documents used to make the decisions and the full name, address and contact information for the collection company that is charge of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Date : XX/XX/XXXX Amount {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Bank account or service (Checking account) with DISCOVER BANK (SC).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2016 my Discover Credit Card had a fraudulent charge and it was canceled and a new one issued. I received the new Discover credit card on XXXX XXXX and activated it with no problems. However I have not been able to log into by Discover Bank account ever since this date. Discover Customer Service keeps telling me it is a technical issue. It is unbelievable to me that 21 days later I can not log into my Discover on line Bank account due to a Discover Credit Card issue. Discover Bank is an online bank. I need online access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Despite my repeated attempts to resolve this problem, and despite XXXX in a secure message referring me to an email address called XXXX, XXXX continues to engage in this online blackmail with me. The problem remains the same - at some point in time after I log into my XXXX account, a window appears that freezes my online account capabilities, and gives me XXXX of XXXX choices : XXXX click on a button to confirm that my income is XXXX. Or click on a button to make corrections. After this window appears, I am no longer able to navigate to any other page. And I am no longer able to log out of my account. 

I have attached all my secure messages to XXXX regarding this matter. 
I have also attached emails I sent to the trteam. The trteam has yet to provide a human response to my emails. 

How many XXXX case ID numbers does it take to resolve this? The fact is, XXXX XXXX department created and continues this problem. And XXXX XXXX department has the capability to remove this problem. Assigning case ID numbers does not remove the problem. XXXX XXXX department intervening and removing what they put there in the first place will resolve this problem. Why their XXXX department will not do this I dont know. Only XXXX knows. And theyre not telling.

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 09-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I signed up for a card that I was informed was for XXXX dollars, I got approved, then the card came informing me it had a {$500.00} limit so I use it and it stops working at {$300.00} call the company and they tell me they can give me credit for whatever they want, just because the letter said you would be getting XXXX does n't mean that what well give you, bs. Then sent my information to other companies because now I get emails and phone calls about all these other cards and XXXX when they screwed me over and I never asked for any other offers. They took my information to use it however they saw fit and think it 's ok to XXXX someone ocer just because their some big company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with CITIBANK, N.A. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX, I called Macy to pay all balances in full through phone, and the Macy representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : XXXX, XXXX, and XXXX, I have found that my credit reports showed my closed Macy account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to Macy and requested an investigation to resolve the issue. In the letter, I provided Macy with full name and account number. 

On XX/XX/XXXX, Macy wrote me a letter to request me to send Macy the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to Macy to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested Macy to investigate. 

On XX/XX/XXXX, Macy responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how Macy came to that conclusion. 

I do not agree Macy 's conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with Macy tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since Macy is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request Macy to notify the XXXX credit reporting agencies : XXXX, XXXX, and XXXX to remove or delete the negative item on 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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax put ineffective security measures in place, which led to a breach that puts myself and millions of others at potential risk. Furthermore, very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent letters out on XXXX/XXXX/XXXX regarding a bankruptcy that was reported on my credit file. On XXXX/XXXX/XXXX, I received a letter back stated that this information was verified and remained on my credit report. I have yet to receive any verification of this public record that still stands on 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