milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2015 about Debt collection (I do not know) with Ditech Financial LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i recieved a letter from green tree servicing about a moble home they say i owe for in 1990 ... ..i have never had a moble home, they say the account number is # XXXX the creditor was XXXX XXXX XXXX ... ..I have never had anything with XXXX XXXX XXXX,,, and they really did not have any info on this ... to say i owe something from 25 years ago ie stupid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with PNC Bank N.A. (IL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I opened up a PNC Virtual Wallet online on XX/XX/2017. There were requirements ( to  receive a {$300.00} bonus ) of 1 ) $ XXXX or more in direct deposits within 60 days of opening and 2 ) 10+ debit card transactions within 60 days of opening. I met both of these requirements ( I had 3 {$2100.00} or so deposits from XXXX XXXX and did 12 debit card transactions ). It has been almost 3 months since I met these requirements and yet PNC has not credited me with the {$300.00} bonus for meeting these requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: After providing ALL the CORRECT information and picking which agency I want a report from, the XXXX step always comes up with " Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. All the data is accurate and complete. My computer, connection, and browser requirements and setup are exactly what is required. I do, however, get eagerly prompted to enroll and pay for my " free report '' just like all the scam agencies that you warn everyone about. Has anyone ever really received a free report online from Annual Credit Report? If so, where is that information found and how is it confirmed? Are Federal mandates for the Consumer meaningless?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Mortgage (Conventional fixed mortgage) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: I am rewriting my XXXX mortgage. In so doing, I need a subordination agreement from Springleaf Financial. They will not do the agreement until I bring the loan payments current. When I asked when I missed a payment, they were unable to tell me. My bank records show I am current on my payments. They tell me I missed one payment in XX/XX/2013 for {$280.00} yet they tell me I have to pay over {$800.00} to get current. 
Holding up my loan closing to attempt to collect money I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with LEXISNEXIS (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This third-party credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from other third-party agencies, known as data mining companies. Therefore, it MUST be deleted.

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. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and SSN/Personal Info was taken. It is all over the news right now. I checked my SSN with their website to see if my info was compromised and it was. Equifax did not secure millions of Americans SSN # s and now, they have set up a service to check if your info was compromised however, they try to lure you into submitting to a credit monitoring service which opts you out of suing in the future. If you check your info at Equifax, DO NOT OPT IN TO THE CREDIT MONITORING SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 am filing a complaint against the 3 credit bureaus XXXX, Equifax, and XXXX. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and 2 more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, XXXX and XXXX removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I graduated University XXXX XXXX in XX/XX/XXXX during this time XXXX kept pressing to take out more loans putting pressure on you in order to graduate. After graduating the job market fell I could only afford so much but XXXX XXXX now know as Navient kept pressing me to put it in forebearance. I had to do that up until XX/XX/XXXX when I finally got a job and I have to keep calling and spending a lot of time on the phone to keep my payments low. They asked for {$180.00} a month so I was paying {$200.00} with my last payment as of XX/XX/XXXX only to receive an email stating that my payment was due. I checked the website and I also called to find out that my payment had been reinstated and that aTotal Payment Due : {$800.00} Current Amount Due : {$500.00} and I have a Past Due Amount : {$290.00}. The customer service rep I talked to said that my 2 year lower payment time was over but I had never received any notifications from them and they always add late fees and if adding up late fees from all the previous times they have done this to me it will add up to over {$2000.00} in late fees when I was never late with one payment. 

This does not include the fact that they increased the interest rate from 2.65 % to 6.8 % so when I asked about that she stated that is because I could not pay the amount they want for 6 XXXX loans they carry. When I commented on the interest and stated to this rep " So they pretty much just raise the rate when they feel like it because you can not pay the large payment they request every month '' Her answer was yes they do so I think they need to be investigated for this.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed unfair medicare billing on my credit report. I 'm asking for that to be investigated. They were entered as separate bills for the same ER visit. I am also asking for my credit score to be re-scored now that my student loans have been deleted and this investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TN).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: In XXXX XXXX, I accepted a credit card from Barclays Credit Card Company with a {$4000.00} limit. I paid every month ( never missed a month ) most times over the minimum amount until I lost my job in XX/XX/XXXX. I continued to pay until XX/XX/XXXX. However, with the astronomical interest rate of 22 % I have not been able to keep up the monthly payments which were over {$100.00} or more monthly. Because of this high interest rate and other charges, I am sure I have paid well over {$6000.00} on a {$4000.00} loan. I contacted the credit card company, asking for a lower interest rate, therefore a lower monthly payment, or a settlement of the account. I was told that I was not eligible for any of these options, and I was not offered any recourse. I am XXXX years of age, not in the best health, and only receive social security benefits and a small pension. 
I certainly do not want my social security benefits garnished as this is all I have to live on. It has been so hard finding work. I have interviewed and not called back for the jobs. I think it may be because of my age, or credit rating. of course I can not prove this. Any advise you can provide will be greatly appreciated. I am now 3 months behind on the credit card. 

Sincerely

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 08-08-2016 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (MO).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased a new home on Friday, XXXX XXXX and decided not to use the same financial institution to handle our new mortgage. Flagstar Bank held the mortgage on our existing home. The title company wired our payoff on XXXX XXXX. However, as the payment was received after XXXX I was informed our payment would not be applied to our loan until the next business day, Monday XXXX XXXX. This caused us to XXXX more days of interest accrual. 

Additionally, they would require you pay to receive you payoff amount. 

I believe both items are in violation of UDAAP.

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 10/25/2016 about Debt collection (Non-federal student loan) with Allied Interstate LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allied Interstate keeps calling my work even though they are told not to. They are also calling my coworkers ' numbers.

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 02/19/2018 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (SD).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: On XX/XX/XXXX I went and purchased a used XXXX XXXX XXXX from XXXX XXXX that is located at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. The vehicle was a pre-certified XXXX model. The payments should have been {$320.00} per month with a 72 month contract agreement. 

I was told by the loan officer to get the extended warranty, so that if anything happened to the car it would be covered. This brought the payments up to {$390.00} a month. 

Since then I have moved to South Dakota, and I had to bring my car into Granite XXXX in XXXX XXXX for a few repairs. That was on XX/XX/XXXX. They looked up my Vin Number, and  asked why I was paying for an extended warranty when it was already pre-certified car. Good question I asked. I didn't know that everything was already covered with that. Being a woman I was taken for granted by the sales man, and the loan officer. I have been paying that amount since XX/XX/XXXX which comes to ( including interest charges ) : {$4700.00}. 

I am asking for a full refund, plus interest on all of those months paying for something I did not need. 

I only owe another 19 months on this loan, and calculating that including interest, another {$2100.00} should come off of the loan agreement since that amount was tied in with the contract agreement. 

By looking at that I should only owe XXXX another {$4700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (I do not know) with Suburban Credit Corporation (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Based on information and belief this is not my account. I have continued to request for validation and verification but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Transunion will not delete servers inquiries on my credit report that are not mine nor did I authorize them, Ive called/sent letters with this complaint yet nothing has been done.

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. (IN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law dated XX/XX/XXXX any public record must include name and address as well as dob or SSN I 'm order for it to be included in your credit file. The credit bureau has not updated this information and per the new law true bankruptcy tax liens listed does not include this information thus the bankruptcy and tax lien should be taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Credit card) with Alliance Data Card Services (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe   XXXX   XXXX   I never made any arrangements with this  3rd pa rty and needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My credit report reflects inaccurate information and Equifax needs to correct and update the information on my credit report. The account listed as Common Wealth of VA account # XXXX reflects an inaccurate balance of {$1800.00}. In XXXX 2015 approx. {$120.00} was paid and on XXXX XXXX, 2015 the remaining balance on the account was paid down to a XXXX balance. Receipt/confirmation # XXXX is proof of the {$1700.00} payment which brought the account to a XXXX balance up to XXXX XXXX, 2015. The current month is the only month due and can not be legally reflected unless 30 days elapse without payment. XXXX 's payment is due but it may not be reflected on my credit report unless the balance has not been been paid by XXXX XXXX, 2015. 
Even though this account was brought current, and paid to a XXXX balance, Equifax failed to update this account and falsely reports a {$1300.00} past due balance as the account status. In addition the account status provides a false statement that that amount is a a delinquency of more that 120 days. That is not true and Equifax had corrected such claims in prior disputes. The account history shows that the account was always paid on time. This is true as reflect by the furnisher 's records. Those records caused Equifax to make the payment history correction prior to this recent error but some how they have re-entered previously removed information. That balance no longer exists but when it did it was not to be listed as delinquent because their was a payment agreement from a court, and as the data furnisher 's records confirmed during the prior dispute, I was never 30 days late let alone 120 or more. Equifax must refer back to the documentation it received last time and remove this item from my credit report because they have failed in their obligations under the Fair Credit Reporting Act. This erroneous information has unfairly jeopardized my credit score and I was negatively impacted in my business and regarding an credit request with XXXX XXXX XXXX. Equifax must update the balance to XXXX, account status to current and inform XXXX XXXX that my credit report was updated and that my credit score has also been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to streamline my FHA mortgage. I sent late payment priority mail express overnight so I would n't get 30 day late. I mailed it to the address they said XXXX XXXX va but post office said they do n't deliver to the address that they pick their mail up. Well my payment sat at post office from XXXX XXXX/XXXX/16 until they picked it up XXXX/XXXX/16 which made them show my payment late.

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 01/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am currently going through hardship and can not pay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In XXXX XXXX, fraudulent attempts were made to access my existing credit card accounts ( unsuccessfully ) and to open new accounts ( unsuccessfully ). At that time, I placed security freezes with all XXXX credit bureaus. In XXXX, XXXX, XXXX of the XXXX bureaus ( XXXX and Equifax ) temporarily released the freezes to a fraudulent person. That person subsequently fraudulently opened XXXX credit cards in my name and then attempted a change of address on both cards. There is no mechanism in place for the credit bureaus to confirm identity ( other than the previously issued PIN ). A phone call to a phone an existing phone number in my credit file would have prevented the freeze release. XXXX released the freeze even though a credit card that was not mine was used to release the freeze. That credit card used is not on my credit report and the phone number used to release the freeze is also not on report. XXXX DID provide me with a new PIN after the fraudulent release AND it will ( supposedly ) now require a fax of identifying information prior to releasing a security freeze as well. Equifax released the security freeze even though the call to release the freeze was disconnected prior to getting any credit card to secure the release. Equifax then refused to issue me a new PIN without creating a new security freeze for an additional fee! So with Equifax there is still no mechanism in place to prevent the fraudulent person from again releasing the security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (VA).
Issue: Problems when you are unable to pay

Complaint: I have a secured loan through One Main Financial located in XXXX, VA. I was laid off from my last employer on XXXX/XXXX/2015 with no notice. I had purchased the payment insurance on the loan in case a layoff affected my work. Along with my monthly payments, I was making payments on the insurance. After losing my job and contacting One Main Financial, I was told that I had to complete a series of forms ( one of which went to my previous employer which they did not return ). This has held up the process and One Main still expects me to make payments. This is a secured loan, they are threatening to take my vehicle which is my primary mode of transportation to work. I took the insurance originally as it sounded so simple, " you get laid off, the insurance makes your payments ''. Nothing could be further from the truth. I am now 3 months behind in payments, they are threatening to take my vehicle and the insurance still has not settled. I do not understand how they can expect me to continue to make payments when I am out of work and I did purchase the insurance to cover this type of occurrence. I have received 4 to 5 calls per day, my relatives have been called ( this is none of their concern ), and I have continued to receive threatening letters stating that my vehicle will be taken away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I noticed that on a recent credit report, it had an address listed for me in XXXX where I had never lived, so I 'm not sure why this address is showing up on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2017 about Debt collection (Auto) with SOUTHERN AUTO FINANCE CO (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: from  XXXX  I have been asking  SAFO for  VALIDATION of this debt that they claim I owe them. I have send letters to all the major credit bureau requesting validation and they always tell me that it has been verified by the company through a computer system that sends codes, what is that, that 's not fair to Consumers I need physical verification or validation that is determineing I owe this Debt no he say she say

Company response to consumer: Closed with explanation