milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I am attempting to repair my credit scores because of unemployment and participation in and participation in federal assistance programs over the last 7 years. 
B of A ( lender ) has been paid up so I am current. I have continued to be current over last 6 mos since graduation from XXXX. 
They refuse to address my credit score as this delinquency stems from their suggestion to go on a forbearance program for 12 mos back in 2012. I did and then participated in AZ Save Your Home program which carried my delinquency and then paid it off this past XXXX. So my forbearance period is what has been carried forward as old payments were were paid first when paying my mortgage ( monthly assistance ). I want to refi but credit reporting services all show late pays so I requested letter from B of A which refuses to give me any relief!

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 06-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: How the  XXXX  do we allow these rental companies specifically in my case   XXXX   to put some mysterious hold charge on my checking account that takes the price of car for a week plus deposit which is subtracted from my account then magically disappears some days later when I return car and applies real charges how does chase allow this and where the  XXXX  is the traceability. This is total   XXXX   my account has overdrawn due to this incredible  XXXX  arrangement that chase and   XXXX   have. It 's the  21st  century how can a transaction disappear also why the  XXXX  does   XXXX   get to charge me right away but when car is returned actual billing takes days this kind on non real time arrangement sucks and should. Not be allowed

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland Funding LLC XXXX XXXX XXXX XXXX Took an account that was charged of in XX/XX/XXXX and re-aged the account to XX/XX/XXXX when I called them to inquire as to what the account was for. My understanding is this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a complaint # XXXX XXXX. Apparently this was closed. I received several e-mails to call you but I can never get through. I also have continued to try to get thru to Citibank without sucess. I received my first bill under the new arangement and it makes no sense. It has no detail, just a total due. If I was to pay the principal divided by XXXX it would be {$3000.00}. but they are billing me for {$4000.00} with no explanation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have written documentation from XXXX University that account with them should not be reported as charge off and bad debt.. I sent that information to CFPB on XXXX/XXXX/2015 by mail to you, however I did n't put complaint number or mailing. If necessary I can resend information. Transunion can contact XXXX University directly or CFPB can contact XXXX University Financial Department. XXXX XXXX XXXX - Business Office/Financial Aid XXXX University XXXX XXXX XXXX. XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I 've had an item on my credit bureau investigated twice now for a cc that is showing up but not mine. They cc company refuses to give me any information regarding the account but claims it to be mine. I 've never made one of the payments showing up and they wo n't verify to me where the statements are being mailed or where the payments arecoming from. How are they aloud to do this. Its on my report, has not been removed but I ca n't have any information regarding the account?

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 08/20/2016 about Credit reporting () with Credit Karma, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The address XXXX that has been reported is not mine

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Bank account or service (Savings account) with DISCOVER BANK (KS).
Issue: Account opening, closing, or management

Complaint: In XXXX 2015, an account was opened with Discover Online Savings Bank in my name. This was a fraudulent account and not requested by me. I have attempted to resolve with Discover direcly, providing documentation and a signed affidavit stating that this account was not opened by me. I have requested proof that its been removed from my name and none has been given. I received a statement on the fraudulent account on XXXX/XXXX/15 still showing the account open and in my name. I called Discover again and was rudely stopped from getting any information about an account in my name, all I was asking was why this account is still showing in my name and has it been closed/marked as fraud and removed from my records. The representative and manager I spoke with refused to provide any such assurances because I would not provide my personal information to " verify '' the account. I did provide the information on the statement but apparently thats not enough. They claim to refuse to provide me with this due to their security verification protocols but its a shame that they didnt do this when opening the account with the fraudster. I have no accounts with Discover and certainly never will based on this horrific experience. 
Please ensure that Discover confirms that this account was opened as fraud and my information and records reflect no existince under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Customer service / Customer relations

Complaint: I filed an complaint with Chase on XXXX, I advised Chase that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Chase are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Chase company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Chase are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Chase fail to respond in writing, signed by hand, in a timely manner, I will assume that Chase are in error and this matter will be challenged. As Chase further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Chase claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPBXXXX. 
As of today XXXX, Chase have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (NM).
Issue: Problem with customer service

Complaint: To Whom it Concerns : I want to share my current experiences with Equifax in attempting to freeze my credit. This service is free to those of us over 65, but costs others $ XXXX per request. Given the current situation, this should be free at all three services ( XXXX and XXXX being the other two ). My experience in doing this at the other two went without a hitch. Equifax has been a nightmare so far. 

I attempted to initiate a freeze at Equifax on XX/XX/XXXX. Once I was able to find the free site ( I had to use XXXX to find it since their own site kept leading me to one of their monitoring products costing {$19.00} ) I provided the needed info to confirm my identity. Then I went to a page that was to give me the PIN needed to unfreeze the account in the future. Well, the pdf that was supposed to appear did not, providing only an error message. There was no way to re-submit or refresh the page. I tried calling the companys XXXX XXXX to XXXX, 7 days-a-week, service line ( that info and number was on their website ) and was told they are only available during business hours, M-F. I also attempted to re-register for the freeze thinking it might have not gone through, but found out it did. I am now locked out from unfreezing my information for future credit checks. Needless to say, this could be problematic in the future if I need to apply for insurance or credit since they all check your credit. 

If I am able to get this fixed easily with a future phone call, I will update you. However, the prognosis for this is not good since they will probably want documentation that I am who I say I am. 

Hopefully, you can get some serious conversation going in Congress about this problem. I am tired of being used and abused by American financial companies. Its time that we took back control of our personal and financial information. Given the dangerous ramifications of this breach, it also may be time to legislate how this information is stored and by whom. New social security numbers may also be necessary for those of us who have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Auto) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The collection agency is attempting to collect on a debt that is very old, and therefore the collector can not provide a suitable basis for further legal action. The account has been charged off and no longer appears on my credit report. However, the collector continues to harrass me. I receive fequent, often daily, phone calls from the collection agency despite repeated requests for these calls to cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Bank account or service (Checking account) with BANK OF THE WEST (CA).
Issue: Using a debit or ATM card

Complaint: I opened a Bank of the the West account. The account came with a promotion. The promotion was get {$100.00} for setting up a qualifying direct deposit. I have received that promotion. The other promotion was, " get {$50.00} for making XXXX debit card purchases each month for 2 months. '' I have met the terms for the {$50.00} promotion and have not received the promotion that I am entitled to. I want the {$50.00} that I am entitled to that Bank of the West has not given 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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have contact all  XXXX  credit bureaus to update my date of birth. I have sent my drivers license and they are still showing the wrong date of birth.

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 10/18/2017 about Debt collection (I do not know) with LTD Financial Services, LP (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: LTD Financial ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ) keeps calling my UNLISTED home line that I 've only had since XXXX/2017 ( 12 whole days ) without leaving a voicemail in regards to what debt they think I owe. All of my accounts are current. This has happened to me before with other debt collection agencies since I became a victim of identity theft years ago. I refuse to contact them to give up even more personal information that they might use against me.

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 Experian Information Solutions Inc. ().
Issue: Problem with fraud alerts or security freezes

Complaint: I am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the XXXX data breech. However, I now live in XXXX ( and have since XXXX ). As advised by many experts, on Sunday XXXX XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.

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 01/18/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I previously submitted a complaint to CFPB. While the company did respond, the response did not offer any resolution XXXX XXXX. The details of this complaint are presented in the attached documentation. We agreed on a Deed-in-Lieu and the company wrongly claimed that we withdrew from the program. I would like the company to reopen my approve Deed-In-Lieu and allow me to proceed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My monthly payment increased to $ XXXX/month and I was laid off from my job. After going back and forth with my private loan provider about lowering my interest rate, my application for a lowered interest rate was denied twice. Now I am being hit with late fees in addition to two months of unpaid payments. I do n't know what to do, and the company is not giving me ANY information on how to move forward in a way that works for me in my current situation. If my payments were lowered, I could continue paying on time as I have done every single month since graduation in 2009. Instead of helping their clients, private loan companies pigeonhole them and hold they accountable for insanely high payments even during unexpected hardships, such as losing a job. I 'm simply asking for a new or revised contract, in which the folks on the phone at Navient are unhelpful with their information and keep repeating the contract I 'm currently in. I should n't be a prisoner of my student loan debt. I am a responsible person who is trying my best to make payments every month, but when my $ XXXX/month payment gets double and I lose my job, I simply can not pay. I should n't have to explain to any decent person that I have other payments to make such as rent, food, utilities, health costs, other student debts, etc. etc. If I was living off the streets would it be a reasonable cause for my payments to be lowered?! Not everyone has a trust fund and not everyone can scrape their family members clean of their hard earned money. My voice is not being heard. It 's simply unacceptable that while I 'm in communication with the company about a revised contract I " owe '' a late fee. I do n't know why this type of business is n't being called as what it is -- criminal activity. Forgive me for putting myself through school and borrowing money. I 'm truly at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX XXXX sent me a notice that they reviewed my loan balance to " ensure accuracy '' and determined that my loan balance was to increase {$14000.00}. I had to calculate the increase to the principal myself, as it wasn't included on the notice. I called XXXX on XX/XX/XXXX to request documentation to explain the logic of the increase and prove that the amount was correct. I was told by XXXX ( Employee # XXXX ) that he could explain the increase to me but could not provide any documentation. He explained that XXXX made an error and did not correctly capitalize the interest to my loan while it was in forbearance, prior to them processing the paperwork for my an income-based repayment plan. ( I filed an complaint w/ CFPB about IBR and the time it took them to process that paperwork -- complaint # XXXX ). It's unclear to me how a servicer is allowed to add to the principal of a loan without providing documentation. 

I've attached a copy of the XX/XX/XXXX notice from XXXX as well as a copy of my XX/XX/XXXX IBR approval, which lists the amount of both my federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: They will not allow me to get lower payments. I ca n't afford XXXX a month single mom. They call me at least 8xs a week

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX is taking me to court over a supposed credit card debt that, I do n't recall signing for. I have sent three letters to XXXX XXXX asking to show proof bearing my signature of a such loan with their company with not response. Next I sent another letter asking them to show proof of my signature on anything agreeing to open an account with them with no results. Now I am being taken to court with no discovery of such debt nor information of such a debt paid for by them or bought with an act of sale with care credit. Not sure how they are authorized because in the disclosure it states the binding agreement is with Care credit, I have disputed this bill and the amount. XXXX XXXX is not a bank or credit lender and not authorized to file such a suit from the state of Delaware. The company or attorney 's are in XXXX XXXX an not authorized to practice law for the state of Delaware. I want all actions of lawsuit to cease and stop. I want to file suit against XXXX XXXX for false discovery an not providing proper sale of such said item not bearing my signature of any money owed to them what so ever the attorney 's office is XXXX XXXX XXXX XXXX XXXX. Or XXXX, XXXX XXXX XXXX. XXXX XXXX Louisiana, non licensed to practice for the state of Delaware. Telephone number 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 02-10-2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation Dear Sir or Madam,

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Credit card) with WELLS FARGO & COMPANY (FL).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: XXXX XXXX XXXX a debt collector, filed a lawsuit against me in behalf of Wachovia, who was later bought by Wells Fargo. I was never formally served any intention to take this matter to court, therefore I was not provided an opportunity to defend myself in court and they were awarded a judgement by default.

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