milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I looked at my credit report and there is a mixed file. They merged my credit report with my dad credit report. I wanted to separate it out.

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 08-10-2016 about Debt collection (Medical) with Choice Recovery, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: These are bills that were from having XXXX take me to the hospital and for treatment of my back. This happened more than once as seen by the differant dates. I was found to be XXXX with XXXX and was put on XXXX XXXX/XXXX/2011. I recieved medicaid at that time. I also filled out a financial hardship form from the hospital that promised to pay most if not all of the bills. I submited the bills to medicaid too. They were suppose to pay bills up to two years before I was put on medicaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have reached out to chase and have spoken with several representatives regarding the removal of fraudulent charges not being credited back to the account as well as other fraudulent charges. When I removed the unauthorized user from the account on or before XX/XX/2007. I was contacted by XXXX representatives by the names of XXXX and then XXXX. only to be accused of having knowledge of the unauthorized charges. Chase has refused to credit me back any and all monies regarding to the fraudulent use on the account nor update the balance to reflect that the charges have been removed. I have been trying to get chase to right their wrong for years and they have taken no interest nor action to do so. Why should I be held reliable for the fraudulent charges when I did n't make them ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-06-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I submitted a IDR renewal request in late XXXX and was notified by the loan servicer ( Nelnet ) on XX/XX/XXXX that they had received the request. I followed-up with a call to make sure everything was in order. I then received a letter the first week of XXXX ( dated XX/XX/XXXX ) that they needed additional information to process the request. However, when I called to speak to customer service, they said I needed to fill out the IDR request again and that there was no record that they had received ( despite having sent me an email confirming receipt of that request ). Given the loss of documentation and delays on their end, I doubt they will be able to resolve this before the XXXX deadline ( and I will thus fall out of the IDR payment plan and have to reapply ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Failed Mortgage modification with Caliber loans they actually made it worse

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (FHA mortgage) with Selene Finance LP (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage servicer Selene Finance has refused to consider or review any options to save my home from foreclosure and I am facing auction next week due to their actions. I have owned my home for nearly 10 years and made a down payment of {$170000.00} at the time of purchase. I later refinanced into a government insured FHA loan and had no issue making the monthly payments until I was the victim of fraud in XX/XX/2013. Someone was able to gain access to my bank account and stole all of my money. This created a snowball effect, and soon I was drowning in debt and unable to keep up with my mortgage payment. I have tried repeatedly to resolve this matter but have made no headway. This is devastating ; I have a good job ( worked as a XXXX for 13 years ) and make enough money to afford a fair payment. The issue is that once I fell behind that no one gave me a chance to resolve this matter and the delinquency continued to increase. 

At that time my loan was with XXXX and I tried to begin the process to resolve my delinquency and be reviewed and qualified for a loan modification or forbearance agreement or a partial claim program. It was very difficult to make any progress and just when it seemed that I was making some headway the loan was transferred to XXXX. I went through the same process with XXXX, poor communication, lost documents, denied access to government programs, etc. and then again when it seemed that I was getting somewhere the loan was transferred to Selene Finance. The entire time my delinquent amount continued to increase and put me into a deeper hole. 

I have tried to engage with the agents at Selene Finance in order to get a review initiated. At first they acted like they did not even know they were holding my loan -- later it seemed that they were just disinterested. I have been told that Selene Finance accepted XXXX of dollars in government bailout money and is REQUIRED to conduct reviews of my current and correct financial information in order to assess eligibility for retention programs. Additionally, this is a government insured loan and I believe they are violating all protocol and procedure by failing to give me an opportunity to resolve this issue. I have a good job and have enough income to afford a reasonable payment, but was a victim of fraud and theft and need Selene to work with me. 

I ca n't believe that I am in this situation. I want to pay, I can afford to pay, and it is so disappointing that being the victim of a crime has put me in a position where I am going to lose my house along with the {$170000.00} I have invested in the home.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Consumer Loan (Installment loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Managing the loan or lease

Complaint: I scheduled a payment to post by XX/XX/XXXX to my USAA Loan, prior to the due date of XX/XX/XXXX to ensure the loan was paid before it reached 30 days past due. Now I have a letter dated XX/XX/XXXX saying the payment is 30 days past due and it is in default and needs to be paid prior to XX/XX/XXXX to avoid other collection activity. Now obviously the payment has been made and has posted but I do not agree with it being reported 30 days late. I scheduled the payment online to post by the XXXX and it did not. It posted on the XXXX ... the same happened with my auto insurance payment although that payment posting date is not an issue. Please make contact and discuss with my wife as she will be handling this on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing statement

Complaint: Citibank Home Depot Credit services enrolled me in paperless billing without my knowledge which caused me to not receive a paper statement in the mail informing me that I had a balance due. After 90 days, they called me to inform me of this and I promptly made a payment and closed my account. My concern is what negative impact this has caused on my credit score and rating. I have a personal attorney and he will be looking into this for me and filing the necessary legal action to return my credit score and rating to it 's previous state.

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 monetary relief
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have an collection agency called Ability Recovery Service, that is trying to collect debt in the amount of {$1300.00} from me. I was an victim of identity theft and I have disputed with all XXXX bureau about this along with a copy of my police report showing identity theft. I need for this collection agency to removed this collection off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Bank account or service (Checking account) with URS Holding, LLC (NM).
Issue: Deposits and withdrawals

Complaint: I have a couple of credit cards with XXXX for several years. And, has another XXXX with XXXX For 3 consecutive months I noticed that from my XXXX checking account was withdrawn {$220.00} for XXXX/XXXX/2016, {$220.00} in XXXX/XXXX/2016 and {$220.00} in XXXX/XXXX/2016. 
The above withdrawals was described as " External withdrawl XXXX XXXX XXXX Ext trnsfer ''. After contacting XXXX, I was informed that the XXXX ( XXXX ) withdrawals was by United Recovery System ( URS ) with XXXX phone no. 
I feel that my consumer rights are violated by URS by electronically withdrawing my money with out prior notice. And, my XXXX checking account was penalized with overdraft and other fees. 
The URS in other words financial stole/hacked my account since the are able to discover my XXXX account with authorization. 
I trust the CFPB will look into this matter and am thankful for the protection CFPB has delivered to the victimized public like me a XXXX year old retired senior citizen living on social security pension and still raising a family. 
Respectfully yours, XXXX XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 10/19/2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I am receiving XXXX calls a day from Someone named XXXX XXXX. 
The number calling is XXXXThe calls happen up until XXXX XXXX. It happens 7 days a week. 
A message is never left. I have left word to leave a message or stopcalling. Have left multiple cease/desist requests to no avail. The levelof harassment in obscene. I have logged over 80 calls in a week. AndI have no idea what it is about. I only know it is Toyota from caller ID. 
Have notified them that the number is blocked -- does not stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: {$330.00} was withdrawn from my checking account XX/XX/XXXX to satisfy a previous account that was closed XX/XX/XXXX with NFCU that did not have an outstanding balance. The last communication that I have had with NFCU with regard to this account that was closed was in XX/XX/XXXX and it was satisfied in order to open a new account with them which is still active to date. The bank advised that both accounts were active at the same time however they were not because I was not able to open the new account without satisfying the closed account. I have since had an auto loan with them in which I paid off early, a personal loan ( still active ), a savings account ( active ) as well as a checking account ( active ) and at no time did NFCU reach out to me outside of XX/XX/XXXX to discuss the closed account or any balance owed on the account instead almost 4 years later they debit funds out of my account without notice causing it to go into the negative. I asked that they send a copy of the last statement for the closed account they are collecting for as well as the 1st statement for the account that was opened around that time neither of which has been provided to me yet, I am asking that my funds be placed back into my account as it is not owed to them nor can they justify the lack of communication for almost four years on an account they believed to be delinquent that was satisfied. They could only advise that they do not send notices out nor do they call on delinquent checking accounts that are closed, please do tell how would a consumer know funds are owed on an account that was satisfied and not open at the time that the new account was established. I would like the last statement for the account they are saying had a balance as well as the 1st statement for the account that was opened in XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax 's own website for checking whether or not my sensitive information ( including my SSN and other personal information ) were leaked in this latest incident, my information may be at risk of being stolen, making me EXTREMELY vulnerable to identity theft or other forms of fraud. 

This is clearly due to negligence on behalf of Equifax. Their IT/Cybersecurity was entirely inadequate for the level of sensitive information they kept on their servers. Now, 143+ million Americans are at extreme fraud risk. Accounting for the fact that approximately 22.8 % of Americans are under the age of 18, roughly 3/5 of adult Americans had their sensitive identifying information leaked. At this scale, this could be should be considered a national security incident.
Not to mention, it appears that multiple Equifax executives divested their stock holdings just before the announcement broke ( see : insider trading ).
In short : I am an American who does not feel financially safe or secure. Equifax needs the book to be thrown at them. I have contacted my state and federal representatives about this issue, and I expect that the CFPB will make every effort, in conjunction with legislators and the U.S. judiciary, that Equifax is entirely liquidated and that any other organizations that hold sensitive consumer information are held to appropriate security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SQUARETWO FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Cach LLC obtained this loan from XXXX. They sued me and were not able to recovery because the agreement was bound by arbitration. The judge dismissed the case. The note attached to the complaint was a form note with no amounts date or signature to validate the debt. Cach refuses to take this debt off 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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX does n't want to delete all the negatives collections and Unauthorize hard inquiries and negative accounts that are closed after Bankruptcy Chapter XXXX after it was discharged by Federal XXXX, Texas on XX/XX/XXXX,2016. There should n't be no negatives like collections or creditors open accounts like XXXX XXXX credit cards, all account on credit reports should be deleted. The only creditors that should be displaying on my XXXX, XXXX, Equifax should be XXXX XXXX XXXX and XXXX XXXX XXXX. All other creditors was included on bankruptcy chapter XXXX and XXXX data should delete all discharged creditors. XXXX is in violation of my ADA Disability Act Civil Rights under the Department of Justice and Federal Bankruptcy Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My House Primary Residence : XXXX XXXX XXXX XXXX, XXXX, MD XXXX PennyMac misinformed me that I can not re-instate my home mortgage or make payment on my past due account, # XXXX, despite Maryland law that provides me with the right to reinstate my loan by making past due payments at least one day prior to the foreclosure sale. I spoke with XXXX XXXX on XXXX XXXX, 2016. I asked for re- instatement of my loan, I was told that this was not an option because my account was in " foreclosure '' proceeding. Despite my willing and ability to bring my loan current, as a permanent loss mitigation option, and all my attempts to gain information to bring my account current, PennyMac has refused to assist, instead, I 've given the round around. Notices of foreclosure have not been given to me, instead I 've received letters to 'tenants '' from PennyMac. I learned on Friday, that PennyMac, has been sending personal and confidential correspondence to an incorrect address. I have told PennyMac that the address of the property is my primary residence. I have not received notices regarding foreclosure, and have been denied a legal right to reinstate my loan. Please help, all I 'm trying to do is bring my loan current!

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have contacted Equifax several times to remove my fraudulent inquiry from XXXX. Still it is not removed and it has taken more than 30 days. I sent them dispute by certified mail and they received it on XX/XX/XXXX. I am attaching also a letter from creditor confirming that inquiry should be removed.

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 QUICKEN LOANS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hello! my name is XXXX XXXX. and i would like to file and complaint unlawful act. I have try speaking to this company in regarding this matter to get this resolved the company name is quick loan mortgage and as rocket loans neither of these company. I haven't try to apply for any type of loan speaking with this this matter has became and big issue than it should never even contact me no kind of way about this manner. i did some research and found this information on my own trying to get this dispute because i have no acknowledgement of these inquiry i decide to turn to your company for help to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (MO).
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: I was told in XXXX 2017 that I could not open a bank account because ChexSystems had an account lock for some reason against me. I just turned XXXX and I have never had credit or any kind of loan or other bank account, so there must be some kind of fraud going on. 

I immediately contacted ChexSystems and asked for a full report about what the reason was for the account lock, and they sent me some information in the mail that did not have any specific information as to why they locked my ability to open a bank account. 

I called them back and they would not answer any specific questions over the phone, but said I could file for another paper copy of my report again. I already did this and they gave me no information. I 'm going around in circles and they are giving me ZERO information about how to find out what is on the ChexSystems report under my name and personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: On XXXX XXXX, XXXX I sent written notification to Citibank via their electronic messaging system to close my XXXX XXXX XXXX credit card. I received confirmation the same day that the account was closed. I found out today, XXXX XXXX, XXXX, that the account is still open, recurring charges have been posting to it, and I was just charged the {$95.00} annual fee again. 

Some time between XXXX XXXX and today, the link for the messaging system has been removed and replaced with an " e-Communications '' link, and my previous notification is not visible. However, the previous messaging system and its contents are still available by linking directly to the site. This may be a simple oversight, or an intentional plan to deceive customers and continue to accrue charges and fees. 

I have contacted them again and am awaiting their reply.

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 11/20/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Once again, XXXX XXXX XXXX has failed to send me the paperwork required by Colorado state law. They garnished my bank account on Monday, XX/XX/XXXX. By Saturday, XX/XX/XXXX - MORE THAN A MONTH LATER - they still had not sent the proper notification and exemption form so that I could fight it in court. Now the deadline has passed.

Company response to consumer: Closed with explanation