milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2017 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: file # XXXX chapter XXXX According to the FCRA ... I have a right to know how the information was obtained and where it was obtained to verify the chapter XXXX file number XXXX. They failed to send me information on how this was verified and with whom they verified it with. This is a serious FCRA violation. The court house claims the credit bureau does not verify with them either on someone 's bankruptcy filings .. so where did Equifax get their information from? Looking at your computer screen is not validating and verifying information. If they can not show me proof they have to delete this information immmediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Credit card) with OLIPHANT FINANCIAL, LLC (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: When we divorced in XXXX, my ex-husband agreed to be responsible for his business debt. In XXXX, XXXX XXXX XXXX XXXX tried to pressure me to pay it, I replied right away and then they filed a suit against me in court without proper notification. They wrote me late XXXX XXXX, I called right away and then wrote in the first half of XXXX XXXX and the next thing I knew was that they had filed in court, no notice. It was very upsetting. 

I just read how Atty General XXXX successfully sued companies in XXXX back in XXXX for not providing due process and directly filing suit. Not only is my ex-husband over $ 72K in child support arrearage for our XXXX children, I have been making monthly payments to Stephen Einstein so they wo n't hurt my career. This Civil suit judgment is adversely impacting my career as a Registered Representative - I 'm the only one providing for my kids. I spent over {$2800.00} for a lawyer trying to avoid this hurting my career. I do n't want my ex-husband 's debt on my XXXX XXXX file - I need this cleared up. XXXX also got the judgments vacated, the payments made returned for XXXX since they were n't properly served. Can you help do the same for a working XXXX resident like me?

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 01-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: To Whom It May Concern, It was in late XXXX XXXX 2017 when I attempted to use one my 3 chase cards, of which I used frequently and relied on daily, that my card suddenly started getting declined. Having always relied on chase and rarely having had any such problems, as I was sure I was a good customer who paid his bills and and did as any other, this came as quite a shock but I did not think much of it. It was only when I soon called in to inquire about the declined charge that my relationship with chase was suddenly torn into pieces and thrown away. It seemed as if in a heartbeat I went from a good customer to a customer which they care nothing about and are willing to throw out and forget about. I was told over that phone call, vaguely, that for reasons they can not disclose and will not disclose my accounts had all been shutdown, all my personal credit cards, bank accounts, and safety deposit box has been immediately and permanently shutdown! This unfortunate series of events caught me in a stage of shock where I had no clue what to do. All of a sudden it seemed as if a big part of my life revolved around chase and it was now all gone for reasons I did not even know or to this day will never know. I was told that I will get a letter to inform me about this and thinking that it will hopefully clarify what happened I was wrong. All the letter mentioned that I was no longer a customer chase wanted to do business with and therefore they abruptly shutdown all my accounts. Not only that but they went so far as to shutdown my mothers accounts as well which I found completely rude, unprofessional, and uncalled for. I always believed I was a good customer with chase who paid promptly and was risk averse if anything and I would at least like to know what I did wrong so I can avoid doing so with other banks in the future although I truly do hope to rebuild my relationship with chase if my accounts do get reinstated. These events have caused my credit score to drop and less attractive to other banks as it now shows my accounts were closed by the issuer and also ruined my average age of credits along with other things.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Student loan (Federal student loan servicing) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am not sure where to start on this matter because I am highly upset with ACS education to the point where I have filed formal complaints with several institutions ( XXXX, U.S. Department of Education, etc .... ). 

I have been diligently working since XX/XX/XXXX, trying to work with ACS in regards to the XXXX students loans. I recently consolidated my loans with the Department of Education/Nelnet in XXXX XXXX. I have had a great experience with them in the past, so I wanted to include my XXXX ACS loans in the consolidation. Long story short, XXXX has sent over a number of XXXX to ACS only to receive several different responses : There is a XXXX balance ; we do not have the loans ; We no longer have the loans because they are in the process of being transferred to NSLP ; we have the loans, but they are unable to be included in the consolidation because they are " Temporarily Uninsured ''. That was information that was sent back to XXXX in regards to the XXXX. I was told by ACS education that the XXXX were NEVER received, so XXXX was sent manually. I have been given so many different stories. 

I decided to open up a case with the Office of Ombudsman in which they have been trying to get in contact with you in order to get this squared away. In addition, XXXX sent another XXXX out to ACS. Since you were out of the office last week, I decided to call XXXX XXXX in regards to a deferment to my loans since I was in school. He flat out told me that there was nothing I could do because of the status of the loans. Then he rudely suggested that I needed to wait to on you to get back in the office and flat out hung up in my face. Luckily, I have started to record all of my conversation with you all so that I can submit this with my case. 

The issue I am having is ACS is steadily reporting to the credit bureaus when it has been confirmed by the Office of Ombudsman that if they loans are " Temporarily Uninsured ''. The National Student Loan Database shows that the loans were in that status effective XXXX XXXX, XXXX which means that the late payments should come off of my credit reports across XXXX, XXXX and XXXX. On the other hand, the Grantor advised that the loans were in good standing based off of what ACS has been providing National Student Loan Program ( NSLP ). If that is the case that my loans are in good standing, there should be no problem will releasing my loans to XXXX. 

This is truly my last attempt in trying to get the late payments removed from my credit reports from all XXXX credit bureaus and to have those loans released to Department of Education/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transunion   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  listed my credit report adverse for  XXXX   XXXX   XXXX   XXXX   #   XXXX    XXXX  (   XXXX   XXXX     XXXX   XXXX  WA  XXXX   , (   XXXX  )  XXXX  )   XXXX   XXXX   XXXX   my account was settled. Transunion received copy for settlement letter about that time. As the debt was settled the adverse account could be removed from the report. I have applied for credit with   XXXX   XXXX    XXXX  and  XXXX   XXXX  after  XXXX   XXXX ,  XXXX  they reported my  credit score   XXXX , no adverse accounts score are  XXXX . The act is unlawful. Fax for above mention will follow.

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have repeatedly disputed hard inquiries that I did n't authorize and am repeatedly told to contact the credit agencies to have them removed, but in doing so the creditors have stated that my dispute is with Transunion not them as they do n't have any records showing that I applied for anything.

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 07-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: This starts back about 7 years ago. I had acquired several rental properties at XXXX time. I received XXXX loans from Chase and XXXX from XXXX XXXX. As of today I have XXXX rental and my primary residence because the rentals have either foreclosed or were taken into short sells. I have been asking Chase for the last 6 years to help me. I have sent it modification apps, I 've shown them all the information they want and every year they come back to me with a denial and say the only options I now have are ; deed in lieu, short sale, pay $ XXXX in back money and we can start fresh. If I had all that money I would have sent it in. Since they have never even offered a settlement on the back money it has grown from $ XXXX to $ XXXX over the years. I am again appealing the denial and never, ever does anyone want to help me. I have shown hardship after hardship letter. I can afford the mortgage if the back money was not hanging over my head. Every bank says they want to help you stay in your home but do n't believe them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Student loan (Private student loan) with SLM CORPORATION (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I do not make enough money to pay over {$700.00} a month to Sallie Mae due to the troubles of finding a job after college. I am currently working as a server, along with bills ; a {$110.00} car payment, {$700.00} in rent, $ XXXX {$110.00} a month for utilities, ~ {$170.00} for federal student loans, and not mention the costs to survive. On XX/XX/XXXX around XXXX I was told I could go into a program that would put my loans up to date. I would have ~ {$270.00} taken out of my account automatically for 3 months. This would be the new payment for 2 years and I might be eligible to reapply after this period of time. I was told that it would also lower my interest rate to ~3 % during this time. My co-signer also is unable to help pay with these loans. These were the terms set due to her financial situation as well. Two payments were taken out, yet we were still getting past due notifications. To understand why this was happening I called Sallie Mae on XX/XX/XXXX to see what the confusion was. As it turns out, without giving us proper notification, we were denied for this program and the already hefty XXXX a month has now grown over two months. They breached our contract with deception of the worded confirmation they sent us in the mail, yet did not send anything mentioning our " denied '' form about the program they so happily took money for. I was not told anything until I called. They record all of their calls, with our call I believe I can prove that they went against their word. This yet another unethical deception of Sallie Mae that any XXXX search can bring up. Salt to the wound, we asked of we could get any of this in writing and was told they " don't do that ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (DC).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: XXXX XXXX XXXX, I requested my XXXX XXXX XXXX  account to be closed but the company refused. They kept my account open to keep assessing fees.
This is a travesty and this practice should not be allowed. I have been assessed hundreds of dollars in late fees, overdraft fees etc.
The account should have been closed in 2016.
amount XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I was involved in a small fender bender while driving a rented car from enterprise leasing while I was back in between XXXX in XXXX. It was just a small fender bender and no one was hurt and only small scratches to the bumper as confirmed by the police report. I had purchased the rental insurance at the time of renting the auto and I had my own personal insurance through XXXX as well. The accident happened XX/XX/XXXX. I went back oversees on tour and while away I was sent a collection letter from a company named XXXX claiming I owed {$28000.00} dated XX/XX/XXXX. I did not see the letter till I returned and was shocked. I called and explained that I didnt owe them anything I had insurance and they didnt care. I called XXXX and they said they couldnt find any record of anything and then I contacted XXXX. XXXX looked into it and they were sent the claim. They refused to pay the claim becasue they said it was too high and frivolous. They claimed that if I was served or sued they would pay the claim but thats it. I consulted an attorney and they were unable to do anything. I went back for another tour and just figured I would have to wait and see if they served me. When I got back nothing had happened. So I went to get approved to buy a home and when they pulled my credit I was shocked to find that the collection was showing from XXXX on my transunion credit report. It wasnt on any of the others but none the less it was keeping me from getting a mortgage and buying a home. I disputed the account through transunion twice sending the proof that I didnt owe anyone because I had insurance. They just verified the information both times and I still cant get approved on the mortgage. I had to end up renting again and paying more than I was going to pay for buying a home. Please help me get this off my credit report it is not fair and shouldnt be on there. It has nothing to do with me not paying a loan and its clear that I dont owe it because insurance should have already paid it. Lastly they did all of this to me while I was XXXX. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 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: Investigation took more than 30 days

Complaint: ON  XXXX   XXXX ,   XXXX  , I SUBMITTED A DISPUTE FOR EXPERIAN TO CONDUCT AN INVESTIGATION OF INACCURATE ITEMS ON MY CREDIT REPORT. THEY PARTIALLY RESPONDED ON  XXXX   XXXX ,   XXXX  . WHICH IS WELL PAST THE ALLOWED TIME TO INVESTIGATE MY DISPUTED INFORMATION I SUBMITTED. THEY DID NOT CONDUCT A THOROUGH INVESTIGATION NOR DID THEY PROPERLY SHOW ME A METHOD OF INVESTIGATION WITH PHYSICAL EVIDENCE. THEY JUST RESPONDED WITH WHAT SEEMS A COPY AND PASTED ANSWER WITH THE WORDS FCRA BUT NO ACTUAL TANGIBLE EVIDENCE THAT WHAT THEY ARE SAYING IS TRUE.     IN  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . THE PLAINTIFF SUED THE COLLECTION AGENCY FOR FAILING TO CONDUCT A REASONABLE INVESTIGATION INTO HER DISPUTE REGARDING ITS ACCOUNTS ON HER CREDIT REPORT. EXPERIAN IN THIS CASE HAS CONDUCTED NO SUCH INVESTIGATION.   UNDER THE FCRA CONSUMER REPORTING AGENCIES BEAR GRAVE RESPONSIBILITIES TO ENSURE THE ACCURACY OF THE ACCOUNTS THEY REPORT ON AND THEIR RESPONSIBILITY MUST CONSIST OF SOMETHING MORE THAN JUST SAYING IT WAS INVESTIGATED. THERE IS NO PROOF OF ANY REASONABLE INVESTIGATION BECAUSE THE ACCOUNTS REMAIN INACCURATE AS STATED PREVIOUSLY. THIS IS A LAST GOODWILL ATTEMPT TO REMEDY MY SITUATION BEFORE I PROCEED LIKE THE PLAINTIFF IN THE CASE ABOVE.

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 03/30/2016 about Mortgage (FHA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, Sunwest Mortgage, is repeatedly calling my mother and my ex mother-in-law and leaving messages for me, by name, asking me to call Sunwest mortgage. I have never put the phone numbers they are calling repeatedly on my account. In fact, I just recently updated my phone number with Sunwest mortgage in XXXX so they do have a correct phone number for me. I can not imagine that this is legal? This is embarrassing and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Other fee

Complaint: on or around the XXXX of XXXX, I called Citi bank to discuss some return check fees that was accrued to my account. I have XXXX credit cards with Citi bank and for medical reason I lost two weeks of work and I did not have enough funds in my account when the payment came in. to my surprise, the bank keep trying over and over again to get the money and every single time they tried, they charge me XXXX dollars per time with out me authorizing the transaction. the bank is doing this fraudulent just to charge me return fees and profit themselves with my struggles, putting me in a worst financial crisis. there are XXXX XXXX return checks fee in one month just follow by every other day. I called the bank to discuss this issue but my conversation was fruitless. please, I urge Consumer Financial protection Bureau to thorough investigates Citi bank and refund me a total of {$250.00} dollars charge to my account as fraud. account number are as follow. ending in XXXX the XXXX credit cards belong to Citibank.

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 05-04-2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Initially we applied for a loan modification with XXXX XXXX. The temporary loan agreement was sent to us by XXXX XXXX and we made the XXXX payment on the agreement, but the loan was literally sold the next day. The new servicer Caliber Home Loans called us a few days later and asked what our intentions were since they were denying our original temporary modification agreement. We never received an exit letter from XXXX XXXX, and now we were faced with a new servicer not willing to except any agreement we had with XXXX XXXX. Their solution was for us to reapply for a loan modification with them from scratch. We have been in a back and forth battle trying to get a modification. After a few months they wanted us to send them more money, and they would look to continue with the original modification we had with XXXX XXXX. We asked XXXX to put it in writing, but they never did. We have now attempted XXXX times to get a loan modification with no avail. With contacting a HOPE and a Housing Counselor, it looks like our FHA loan has turned into a conventional loan. Both the Hope and Housing Counselors did not understand why our loan type changed from FHA to conventional. It 's both the counselors understanding that this loan type should not change without a refinance ; no refinance was ever done by us to change the FHA type loan. We have requested that Caliber Home Loan look into this dispute by sending them our closing statement and the FHA loan number we 'll provide the same to you. It seems they are calculating my Debt to Income ratio not in accordance with FHA guidelines. We are facing a Sheriff 's sale on XXXX/XXXX/XXXX, and we have used all our postponements in working with them. We are requesting that you look into this matter, so we can maintain our home.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Auto) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: One Main Financial, XXXX Virginia. If you are a day late with a payment they will call you 8-10 times per day and will still call after you speak with them. We know we have to make a payment and they do not need to continue to call so many times. They told us why they call so much and leave messages is because we do not answer the phone. If you have multiple household members and you each have a loan, they will call each person 8-10 times per day. Our phone rings constantly! This is a small company and they know that there are XXXX household members with separate loans with the same phone number but continue to make repeated phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Managing the loan or lease

Complaint: I made a payment of $ XXXX over the phone for my XXXX payment. However as of XXXX XXXX, the payment has not been posted. Chrysler Capital claims that the payment was made on XXXX XXXX and because of the holiday, the payment is delayed in posting. I am now 31 days late and now do for XXXX. I have reason to believe that because I called and was upset, Chrysler Capital is being vindictive and delaying payment processing. I believe that this is a form of harassment, that is a violation of the FDCPA. The payment has cleared my bank, and Chrysler Capital admits that the payment is there. They just refuse to post it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello. I am paying this debt off today but I want action because I never received any type of notice that I owed them for this debt and it shows then in a collections account. I am paying the debt and want it to be reported immediately for there negligence on any type of letters, phone calls that I never received notifying me of this debt. I will pay it but I want prompt reporting that it was paid. Unacceptable that I never received anything saying I owed XXXX to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation