milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX/XXXX/2016, I sent Equifax a dispute regarding XXXX XXXX account # XXXX XXXX XXXX XXXX, along with documentation showing a judgment in my favor on that account ( See Equifax Dispute XXXX, XXXX ). In its XXXX/XXXX/2016 response, Equifax stated, " We have researched the credit account. Account # - XXXX The results are : We verified that this item belongs to you. '' Equifax failed to delete the inaccurate account information. ( See Equifax Response XXXX ). 
I sent a second dispute on XXXX/XXXX/2016 ( See Equifax Dispute XXXX ). In its XXXX/XXXX/2016 response, Equifax stated, " We have researched the credit account. Account # - XXXX The results are : We verified that this item belongs to you. ( See Equifax Response XXXX ). 

Equifax failed to provide any details or documentation of its communication with XXXX XXXX or of any independent investigation. Additionally, Equifax failed to explain what information it is relying to " verify '' the account contrary to a court order of judgment in my favor. I would note that XXXX responded to the same dispute by immediately and properly removing the account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquiries be removed : XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX I Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry 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 10/27/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have had a very difficult time with Bank of America. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Bank of America always seemed to lose my paper work, which I constantly had to re fax. 2015 we a very difficult year for my family. I lost my job, and went on unemployment. My wife was diagnosed with XXXX She was unable to keep her job as well. An unbelievable hardship for our family. I am now back to working full time with XXXX XXXX XXXX My wife now has XXXX income as well. Our family is now over our hardship and wants to keep our home. Bank of America has refused to help us with a modification and is forcing us into a bankruptcy.

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 08/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Hi, I have XXXX mortgages with Nationstar Mortgage, all of which are automatically deducted from my checking accounts. In XXXX, I was the victim of identity theft which prompted my bank to lock out access to my accounts. Unbeknownst to me, this prevented my accounts from automatically paying XXXX of the loans ( XXXX ). 
Nationstar did not notify me of this problem in writing ; its agents called, but inexplicably failed to leave messages so I had no way of knowing who was calling. Moreover, I was on extended travel in a remote location and so could not access my accounts to investigate any potential problem. 
I called Nationstar and paid the past due amount, the current amount, the next installment and restored the auto-pay feature. I even paid the {$4.00} penalty. 
I asked Nationstar to consider removing the derogatory incident from my credit report given that it was caused directly by identity theft and that I had made a good faith effort to correct it. Nationstar asked me to submit proof - which I did - via email but then did not respond. In addition, it assessed an inexplicable {$3.00} charge to my next statement.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was checking my credit report and there are two errors on the report that should be deleted on my report due to bankruptcy chapter XXXX was filed XXXX 2016 XXXX XXXX XXXX and XXXX XXXX XXXX tried working with them and did not get no where no resolution made this has been an ongoing effort to try and get this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I am trying to payoff or refinance my student loans. I first called XXXX and requested a 30 day payoff verification document on Friday, XX/XX/XXXX. On Monday XX/XX/XXXX I followed up with a written request for a 30 day payoff verification document. It is now XX/XX/XXXX, and I still have not received this document, which has prevented me from paying my student loan in full or submitting this document in my application to refinance my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with GreenSky Trade Credit, LLC (SC).
Issue: Problem when making payments

Complaint: Greensky a cct #  XXXX   GreenSky will not  supply me with any documents showing how my payments have been applied to my loan. They will not show me what part of the payment went to the principal, and what went to interest. They will not provide thus information over the phone either. They tell me they do not have that information but can only tell me what my balance is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (OH).
Issue: Account opening, closing, or management

Complaint: i was approved for a checking account with navy federal. I was sent a debit card, account number, and a welcoming email. after my sister asked about the XXXX referral fee I was then told that my account was fraudulent and denied access. I was told that I could not have any access because my sister and I have different last names. but we have the same parents. I was told that I could use my marriage license on the phone but when I got there I could not use my marriage license. I was basically told that I was liar and my money would be sent back to the irs even though my son gave me the money from his tax refund so basically I was not only called a liar but a fraud. I have not done anything wrong. my son called which he is a member to verify he gave me the money he was told that there is nothing he could do. my mother and father are deceased. my sister name is XXXX but was born XXXX dob XXXX/XXXX/1965 in XXXX which now she resides in 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 04/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Approximately two weeks ago, I filed an online dispute with TransUnion about an account that had been paid in XXXX XXXX, but was showing as unpaid collections in my TransUnion credit report as recently as XXXX XXXX. I contacted the creditor to confirm my records and they informed me that the account had indeed been paid in XXXX of XXXX and that the account had a {$0.00} balance. The creditor informed me they would contact the credit agencies to have the item removed. Last week I received confirmation from TransUnion that my dispute had been completed and the item was removed from my TransUnion credit report. While that was the outcome I wanted, TransUnion consequently LOWERED my score by XXXX points, while my scores with XXXX and XXXX were simultaneously INCREASED by XXXX points and XXXX points, respectively. I contacted TransUnion by phone and was provided no satisfactory answer as to why upon completing my dispute with them ( where a negative item that had been shown in collections had been removed ) they lowered my score even as the other XXXX agencies increased them. TransUnion should have INCREASED my score, but has apparently chosen to penalize me for appropriately correcting a negative misreported error. TransUnion can not explain their reason for lowering my score in this matter. This is not as complicated as quantum physics - it is a simple matter of right/wrong and them refusing to do the right thing. XXXX increased my score - TransUnion kept reporting the error for two years and has chosen to dock me XXXX points for correcting it.

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 12-07-2017 about Checking or savings account (Other banking product or service) with SUNTRUST BANKS, INC. (GA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: While on vacation my wallet was stollen, so i informed suntrust of this and canceled cards to my personal account. My estate/business account opened with suntrust bank had a large amount of money missing. I went in to make a withdrawal, once the withdrawal was made i had the teller ( which happened to be the manager ) print off my balance which read {$1800.00}. I asked her to relook at my account because that was inaccurate. She informed me to call the fraud prevention and start a claim. she printed off all of my withdrawal slips since the account had no debit cards to it. The fraud team investigated my account and informed me that they had found $ XXXX. They emailed over the affidavits and i promptly got them notarized and returned. Upon recieving them they told me in 15 days my money would be returned. The XXXX day i called to request that they do not put any money in that account due to what previously happened and they were quick to inform me that they denied it. and refused to give me a reason why they decision was changed. i am a local business owner and i want justice. i work hard for my money not for it to be taken. I have to now try to rebuild my credit which was in great standing prior. I have documents proving this is fraud! the withdrawal forms, some have missing dates, wrong signatures, dublicated withdrawals, and the id used was my TN id which was stollen.

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 02/22/2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: For the past few months, I have attempted to get a credit card through XXXX XXXX. I have been told that there is legal action against me on my credit file. When I check each of my reports, there is no such information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Other

Complaint: I am an active duty service member. I have a credit card with American Express. In XX/XX/XXXX I requested SCRA benefits because I had heard American Express wil waive the annual fees for their account holders which American Express did. However, I am currently on a XXXX from XX/XX/XXXX to XX/XX/XXXX. I uploaded a copy of XXXX to American Express again to have SCRA benefits applied for the time of my deployment which should be a reduction in interest rate to 6 %. However, American Express keeps telling me that because my interest rate was previously adjusted for SCRA benefits they will not apply them again. At the moment I am currently deployed and paying a higher interest rate than 6 %. I have made this compplaint multiple times with American Express and have received XXXX letters saying my account was previously adjusted and no further action will be taken at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2016 about Credit card () with Conn's, Inc. (TX).
Issue: Billing disputes

Complaint: The billing practices of XXXX XXXX in behalf of Conn 's unjustly adds late fees and increases the balance of my account in spite of extra payments and greater than the required payments I send in prior to the actual due date. The Bank recognizes this fact and when I complained previously in XXXX earlier letters it acted to remove the unjust charges. However, the Bank is still insisting that I should submit payments after the XXXX of each month ( actual due date is the XXXX of each month ). I am paid at the first of each month and it is more practical and appropriate for me to pay the bank earlier than the XXXX or the XXXX. It 's billing system failed to credit me for overpayments submitted between the XXXX and before the XXXX, and treated me as if I was paying behind or late. Although the Bank corrected this error to my satisfaction in XXXX and XXXX of XXXX, it is back to its old tricks again as I was charged for allegedly paying late on XXXX/XXXX/XXXX and XXXX in spite of online evidence to the contrary ( see attached letter to the bank ). I have written the Bank again to request the removal of the late fees and correcting of my account balance for a third time. I feel their billing practices are injurious and unfair to consumers and they should be held accountable and required to change the billing practices to reflect the consumer 's good faith payment practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX/XXXX/2017, I discovered an XXXX charge on Discover online statement for a membership. XXXX had contacted me for months stating that the credit card on my account with them was no good. But, I did not sign up for any membership. And, since they do not have my credit card number to charge to, I did not bother to respond to their emails. Out of my surprise, XXXX was able to charge on my Discover credit card. Here 's my problem with Discover -- why would Discover give XXXX my credit card number? I did not give authorization for XXXX to charge my credit card. In fact, they did not have my credit card. But, Discover gave it to them and let them charge me. Discover should not have approved the charges. It was not an authorized charge. XXXX had this marketing tactic that was forced onto me. I called Discover and asked them to freeze my account so that no one can charge, but the representative did not do that. The representative asked me to call XXXX -- to find their phone number and try to settle it with them. I should not have to do anything if Discover did not share my credit card number with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received an alert about inquiries on my credit report. I checked it and Clarity Services Inc has pulled my credit XXXX times. XXXX times on XX/XX/XXXX, once on both XX/XX/XXXX and XX/XX/XXXX. I am unsure what this company is, but from what I 've seen it is some sort of payday loan company. I have not applied for, nor would I ever take out a payday loan. I want these off of my credit, have contacted the company with no response and do not want them allowed to do this again. I am trying to build my credit, and repeated, unauthorized inquiries are not going to help that.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Medical) with DRS Financial LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: yes the collection company did respond and they will accept lowere payment XXXX XXXX om medical bill..but i want it in writing on that amount first before i sewnd payment in too them

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015 Wells Fargo Bank , N.A . assessed a fee of {$10.00} to my account with the title of Currency Fee. I called the Customer Service number for my account and asked about the fee and they could not provide any details other than the fee was assessed by a branch for a cash withdrawal. The terms of my account do not provide for such a fee to be assessed based on what the representative told me. I again questioned what the fee was and how it was calculated and the representative could not answer except postulate the fee was because I had requested " large bills '' or " more than my cash limit ''. I asked to dispute the charge or open up an investigation and the agent refused to do anything and told me I had to talk to the branch. When I asked which branch assessed the fee she could n't tell me and asked me to go to the branch where the money was withdrawn. The money was withdrawn at multiple branches. 

This account has over {$50000.00} in it on most days and is a business account. I should not be charged for withdrawing my own money from my own account. 

WFB has the legal responsibility to have clear terms for their accounts as far as how charges are placed on my account and I believe they are acting in violation of disclosure laws for FDIC insured bank accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We are disputing a complaint against Ditech Financial Services regarding two payments that were made XX/XX/XXXX and XX/XX/2016 which they are reporting as 60 days late but they were made within 50 days of the due date. I have documentation to support when these payments were posted and all we are trying to do is to get them to update their records to reflect a 30 day late vs. 60 days so that we can close on a loan transaction. I sent this information to Ditech over two weeks ago requesting that they update their records and email me with a response so that I can provide it to our lender. We called yesterday and they had not even reviewed the request that was faxed. When we ask to speak to a Supervisor we are told that no one is available to speak with us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX    XXXX  ,2017 there was an inquiry on my credit report from  XXXX   XXXX  and I did not authorize this or sign any applications.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX / XXXX  /17 I applied for the credit card with USAA afte r answering several verifying questions. Upon calling to check the status of the credit card application, I was told USAA was unable to view my report due to a security freeze I had on my report.     I called the CRA and verified with them and they stated  USAA  was able to view my credit report because they see a hard inquiry from them on the report.     I have stayed on the phone for hours and spoke to countless individuals to tell them that there is a hard inquiry on my report. I had to pay to retrieve my credit report to provide proof of the inquiry and now  USAA  is refusing to remove the inquiry.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2016 about Debt collection (Auto) with Synergetic Communication Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have disputed this account with both synergetic communications and XXXX about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all XXXX agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Problems when you are unable to pay

Complaint: XXXX XXXX MILES ( XXXX MINUTES ) FROM AIRPORT GENERAL INFORMATION : Secure, uncovered, self parking. Fenced, gated, and well lit at night. 24 hour video surveillance. 
My auto was repossessed by Santander when I parked my auto at the XXXX ( XXXX GA ). They advertised it was secure parking but Santander was still able to repossess my auto. The repossessing vendor stole several multiple items out of my automobile when I went to claim my personal belongings. This repossession took place on a private and secure property and should not have been allowed to happen by the property owners. 
XXXX MILES ( XXXX MINUTES ) FROM AIRPORT GENERAL INFORMATION : Secure, uncovered, self parking. Fenced, gated, and well lit at night. 24 hour video surveillance. 



COMPLIMENTARY SHUTTLE SCHEDULE : 24 hours a day - every 20 minutes Shuttle return instructions and phone number will be listed on your reservation receipt. 
Domestic Terminal Only.

Company response to consumer: Closed with explanation