milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have been dealing with student loans since XXXX. I did not realize that taking on a debt so young and uninformed could be so damaging. I have taken loans with three universities. Each one graciously gave me the ok. to apply for money ( way more than needed ) and I would not be able to pay back. I recently watched a press conference held in Washington state in XXXX of XXXX. I learned very interesting information that affected me directly. While I was in school, all of my loans were placed in forbearance. I was never given the opportunity to participate in deferment. I understand that XXXX XXXX and XXXX engaged in deceptive practices and charged interest on top of interest. When I received statements, it was only, this is what you owe. There was never any clear breakdown and how interest was charged. Each time the loan was sold, the amount increased substantially. Currently, the loans are with XXXX. I had written the agency a certified letter requesting all original documents and a breakdown as to how much is owed and proof the amount is what is owed through audit certification of debt entry. This was done on XXXX XXXX, XXXX. They have not responded. Each time I call to inquire about it, I am placed in the endless que until I give up. In the meantime, I am making payments. I was asked to recertify. When I did recertify, I received a letter stating they were not able to grant the same plan and that I would receive a letter telling me what I had to do. The next letter I received, I was told that I did not respond and now have to pay almost 5 times as much. I inquired today XXXX/XXXX/XXXX. I was told my family size changed. I stated that was done in error but I was never officially told. I was told because all correspondence is done electronically. When I searched the electronic messages it was not there. However, I am still required to pay the overly inflated new amount. I am very frustrated and need a resolution. I am making attempts to pay. However, I need to know that the amount owed is completely accurate especially since it has changed servicers several times. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with FIRST NATIONAL BANK OF PENNSYLVANIA (MD).
Issue: Charged fees or interest you didn't expect

Complaint: I opened a line of credit with First National for {$100000.00} against my home equity they did n't properly process the paperwork and did not acknowledge that I had existing homeowners insurance although I provided all necessary information then insisted that I pay them {$1000.00} for insurance plus fees and interest and every time I proved through XXXX XXXX who have it multiple times on record, they would not acknowledge my insurance and continue to say I have an outstanding balance and threaten to put my home in default.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Credit card) with URS Holding, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: J.C.Christensen, ( JCC ) with address XXXX XXXX, XXXX XXXX, XXXX, XXXX sent a dunning letter to my home address trying to collect a credit card debt for a debt buyer called XXXX XXXX XXXX. I had never seen before that account or credit card or creditor. The dunning letter came to my home address on XXXX XXXX, 2015. 
The next day I sent a dispute of debt letter and asked JCC to validate and verify the debt. I asked the debt collector to not call me and not to obtain my credit. JCC did not verify nor validate the debt, ever. 
On XXXX 2015 I obtained my Credit Report with XXXX and I realized that JCC has pulled my credit 2 time same day : XXXX XXXX, 2015. One hard pull and one account review. I did dispute the credit pulls with XXXX and they did not removed. I sent a letter to JCC making them aware of my intentions. JCC answered that : they have permissible purpose to pull my credit. FTC and CFPB has defined very clear that that a debt collector can pull one 's credit except when the debt collector obtains it on behalf of the creditor. 
My credit rating is ruined from JCC and XXXX that started reporting trade line with XXXX XXXX and XXXX. 
I have filed a complaint for violation of FCRA and XXXX Consumer Protection Laws and for invasion of privacy. My case is located in XXXX District Court in XXXX XXXX. 
Thank you XXXX XXXX

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

Complaint: Creditor Information XXXX XXXX XXXX XXXX XXXX  FL XXXX  ( XXXX ) XXXX Account opened ( NOT BY ME ) and used twice with no payments made disputed with Transunion and they would not remove because the account was used twice Opened in XXXX 2018 I believe. This is an account I have not opened or authorized to open and I can not even file a second dispute because they have not closed the first one. I has cost me 80 points on my credit score. Can you help please

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 10/13/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX all are store cards that I applied for and then Got approved for credit limits online. I 've used XXXX inside the store aswell as XXXX XXXX XXXX XXXX. One day ( I ca n't remember ) as I was online shopping for stuff with my wife. I could n't check out using The XXXX card. So I called and the number directed me to commenity Bank. The commenity Bank represnative told me that they needed some additional verification from me in order to unblocked the account. They need a copy of my drivers license front and back, social security card front and back and bank statement front and back. I 've sent them copy of all the required documents that they asked for. So after 1 week has passed by, I decided to give commenity Bank a call to check on those documents. They said they have them and they are being reviewed. About 2 hours later, I received a Alert from XXXX ( Which was the same day on XX/XX/XXXX ) saying that Commenity bank pulled my credit report. So I them called commenity Bank and asked them what 's that all About. They said that My accounts were closing. So I said for what?? The represenative said for fraud?? I said for fraud, That 's impossible. I just got these cards and all I 'm trying to do is build my credit up. She said hold on I 'm gon na transfer u to a supervisor. I speak to a supervisor and she said that My accounts are closing because my documents did n't pass the verification..I said how is that possible?? When I sent everything that u asked for that was valid. ( XXXX STATEMENT, DRIVERS LICENSE AND SOCIAL SECURITY CARD ALL OF WHICH WERE FROM AND BACK ). She was very rude and disrespectful during the conversation. So today, which is XX/XX/XXXX, I  received a letter from commenity Bank for a entire different reason for closing my accounts. The letter said that they closed the accounts for security concerns..How is that possible and why would they even close my accounts to begin with. I have a fraud alert on all my credit files which states that any creditor is directed to contact me if anyone is trying to get cards or loans in my name and I seen when they pulled my credit report..They did wrong and foul for no apparent reason at all and I know it 's discrimination. They had no reason to close any of my accounts..They have hurt my credit score so bad with this move that they did.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage because I had lost my job. I am employed again now. I am confident that I can make the payments on my mortgage even if my servicer rolls the past due amount into the loan and uses the current market interest rate to determine my new payment. I was in the process of a modification with XXXX XXXX when they sold my loan to Caliber Home Loans on XXXX XXXX, 2015. XXXX XXXX explained that they had not yet made a decision on my modification when they sold the loan. They said that they would forward the modification application to Caliber Home Loans. I called Caliber immediately on XX/XX/XXXX but they said that they did not have my loan yet. I called a week later and they said that I should resubmit my application. I sent in all of the documents required on XXXX/XXXX/15. I received a letter a few days later dated XXXX/XXXX/15 that they had received all of the requested documents and that my application was considered complete and that I would receive a decision within 30 days ; I did not. I can not get a straight answer from Caliber Home Loans. Sometimes when I call in they say that my application is being reviewed, sometimes they say that it was mistakenly denied and that they would re-review it and get back to me. Last week I received a " notice of intent '' to foreclose even though the XXXX/XXXX/15 letter said that they would not start foreclosure proceedings. Now I receive hang up phone calls from Caliber Home Loans every few days. I have requested to talk to a supervisor on several occasions and they inform that a supervisor will have to call me back and guarantee the return call with 24 hours ; the return call never comes. I would like to file a complaint against XXXX XXXX for not sending me a timely decision on my modification request. I would like to file a complaint against Caliber Home Loans for not sending me a timely decision on my modification request, for pursuing foreclosure while I was under review for a modification. It seems that Caliber wants to foreclose on my house and keep me in the dark to prevent me from taking action against them until it is too late. I would like to modify my mortgage or work out a repayment plan or figure out a way to stay in my house. Unless someone else gets involved I am concerned that they will continue to confuse the situation until they can take my house. I want to stay in my home. I am confident that I can make the payments if we can modify my loan.

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. (MD).
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: All my student loans show 90-120 days delinquent in 2013 when all of them where in deferment. They never corrected the issue and just published a personal statement that I did not authorize nor state.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (I do not know) with Professional Bureau of Collections of Maryland, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has called several times for a XXXX XXXX and I do not know this person and I have told them repeatedly that they have the wrong number. I have received calls from XXXX, XXXX, and XXXX XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX respectively. These are only the calls I received this week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 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: Information belongs to someone else

Complaint: Ive been trying to freeze my credit report with TransUnion for several months now. I finally got them to send me a copy of my credit report. I was unable to answer some of their questions because they had, and continue to have incorrect information on me : Their credit report has my wrong birth date, many wrong names reported, a wrong previous address, and a wrong phone number. Some of this misinformation comes from an identity theft I encoured earlier this year, whereby someone obtained my XXXXXXXX XXXX XXXX XXXX XXXX number, then called XXXXXXXX XXXX and convinced them to change my address from ohio to one in NJ so they could illicitly order products over the internet and have them shipped to their NJ address. Now, when Transunion asks me to verify my identity, they ask me questions like have I ever lived at this address in NJ, to which I answer no, but they think I did because of the identity theft. I didnt have any problems freezing my credit at the other two credit bureaus, but TransUnion has been absolutely impossible to work with to correct these issues, on line or over the phone!

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 08-01-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Credit decision / Underwriting

Complaint: XXXX XXXX XXXX/Mortgage Loan Officer/NMLS ID:XXXX/Bank of AmericaOne of the worst experience I have ever gone through. The fact that the MLO didnt have clear and basic understanding of how mortgages work, and kept running around in circles troubles me. 
Story : My name is XXXX XXXX XXXX had explained to MLO my current marriage situation, MLO kept on saying it would be fine and WOULD NOT HAVE ANY ISSUES. My Realtor ( XXXX XXXX, has supporting documentation ) and also confirmed with him that I would have any issues. Well when my offer was accepted she got really nervous with my questions and didnt even want to speak to my Realtor or was given me clear instructions. Very disappointing! Seller and I were out money and time and this could have been prevented if the MLO and Bank of America would do a better job of qualifying clients. 
She was very irresponsible, never gave clear answers, was very unprofessional, and when ask what to do next she answer " THE PAST IS HISTORY AND LETS MOVE FORWARD '' WOWAlso at the start of my application she approved me for Conventional and changed it to FHA later on the process without definite answer as to why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2017 about Credit card or prepaid card (Store credit card) with American First Finance, Inc. (MO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: We were at XXXX XXXX XXXX XXXX XXXX in XXXX, MO looking for furniture on XX/X/2017. They were offering a 90 day interest free financing promotion. We were in the process of closing on a mortgage and asked multiple times if a hard credit inquiry would be done for the promotion. We were told that no hard inquiry would be done on our credit. Due to this, we decided to go ahead with the promotion, and immediately after the application was submitted we were alerted to a hard credit pull on our bureau. We immediately contacted American First Finance in  XXXX, KS, in order to withdraw the application and have the inquiry removed from our credit history as we did not consent to a hard inquiry. They refused to remove the inquiry from our bureau. The representatives of the furniture store were all under the impression that there was no hard credit inquiry for the promotion, which is the only reason we agreed to move forward with the promotion.

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 02/21/2017 about Mortgage (Other mortgage) with Altisource Portfolio Solutions, S.à r.l. (CA).
Issue: Settlement process and costs

Complaint: Altisource used fraudulent trustee sales as a weapon to force me into pretender lender XXXX servicer XXXX outrageous loan modifications. XXXX has been using Altisource fraudulent trustee sales as a weapon to rip off my family home that I own free and clear causing me and my children serious harm. Altisource email attached.

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 05/23/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: chase bank closed my account. there was a deposit made for {$2000.00} and I was told that the money was in when I called them on the XXXX of XXXX. I checked my account again on the XXXX o XXXX and again was told that the money was there so I paid out {$1800.00} and went on line and it showed that the money was taken out and I still had a balance left. That night I called to order checks and was told at that time that they closed my account because that {$2000.00} was put on hold and therefor I was in the hole. It was almost XXXX days after the deposit was made. I then called and made arrangements to make payments to pay them back. My retirement check was sent to them by XXXX and the person at chase that I contacted told me that since I had made arrangements to make payments they would send me the check in the mail. I called them again today and said that they kept the check and would not be sending it back to me. I do n't believe it is right for someone to tell me that and then the bank goes back on their word. They knew I needed the check so I could pay rent and get some groceries. That leaves me with no money and no food. I hope you can get them to keep their word. thank you ... .XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AmerAssist A/R Solutions, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A Debt collector has placed a collections account on my credit report for a debt that was incurred by a deceased relative. I did not cosign on the account nor am I the executor of the deceased estate. The original creditor claims that they have a recording of a telephone conversation with me that gives them the right to do this. However, they will not give me any information. I have two issures with this : 1 ) I question the legality of this practice, and ( 2 ), I am certain that recording any such conversation without my consent IS A FELONY in my state.

Company response to consumer: Closed
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted numerous documents and request to XXXX to research this account. I am a victim of fraud by someone who abused a power of attorney. I have provided proof of XXXX, proof from the responsible individual and proof of the abuse of power of attorney and XXXX has consistently tried to hold me responsible for this account. I acknowledge this account was opened in my name and with my information BUT IT WAS NOT WITH MY CONSENT. I have received numerous responses from XXXX saying the creditor validated this debt, and therefore they will not investigate. Please read the documentation, the responsible individual admitted to this act of fraud. I am not responsible and will not be bullied by XXXX into paying a XXXX debt that does not belong to me. I was XXXX at the time and unaware my bank accounts were being used to make payments, I was not aware of any of this until months after it began. I deserve more than a generic response of regurgitated scripts telling me I am liable because it 's in my name. I deserve the right to have the documents REVIEWED AND TAKEN INTO CONSIDERATION! am going to seek legal action if this is n't resolved. 

XXXX, shame on you as a CRA to not conduct an investigation of your own but to constantly request the same documents over again from me and to only to have the same creditor response validate the outcome. WHERE IS THE FAIRNESS. When does personal responsibility come into play as a CRA. I am tired of being victimized by people who are supposed to be protecting me while I 'm XXXX FIGHTING FOR MY, EXCUSE ME OUR COUNTRY ONLY TO COME HOME AND FIGHT WITH THE SAME PEOPLE IM RISKING MY LIFE FOR. This is insane! Not to mention my information being compromised by XXXX as well, I 'm disgusted!

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The issue involves Equifax reporting agency with them deleting information from my report and said that it was deleted but I did not initiate the dispute I have attached a letter of complaint to this issue it has been attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello! 
I recently resubmitted my income verification for XXXX, which I have been using for years. Navient responded and said I was ineligible for XXXX because I have a PLUS loan -- -but I have been doing XXXX for years. I have submitted several complaints over several weeks to Navient and I have not heard back. If they do not make the correct changes, I will be billed over {$1000.00} in monthly payments. 

Thank you for your help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had identity theft in 2013, and XXXX XXXX ( I 've never lived in GA ) charges were sent to the collection agency XXXX XXXX ( XXXX ). I filled out a police report, placed a fraud alert on my credit agency reports, and completed an Identity Fraud packet for XXXX. The debt was settled with XXXX group. They were very helpful. Now, 2 years later, I am receiving calls and letters from Convergent Outsourcing, attempting to collect the same debt ( but in a different amount ). 

I faxed and mailed Convergent all my supporting files from the previous experience with XXXX but only those with my address and no other info. A phone rep told me she considered it settled, but mail keeps coming from them asking for the debt.

Company response to consumer: Closed with explanation