milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NH).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: My data has been compromised through the Equifax Security Breach. This release of information will results in life long issues for me that may compromise my financial security. To date Equifax has not made any attempt to contact me or relay the information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Bank of America encouraged me to open a credit card with them which they did while I was at the bank. I had recently moved so they sent a statement to the incorrect address. This meant I did not get this statement. They then marked my credit report as 30 days late which dramatically reduced my credit score. I brought this to the attention of XXXX XXXX who immediately was argumentative. She also said she would send the decision for reconsideration but I later found out she never did. She also never reported the results to me. I am now closing my long standing relationship with XXXX including emptying my safe box. I hope to never set foot in another XXXX again. This woman acted inappropriately.

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 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Chase contacted me by letter asking me to call a number I had never seen before to avoid having my account closed, which seemed suspicious to me. I called the number on the back of my card instead and was connected to several different people who spoke English poorly and were difficult to understand. None of them would properly identify themselves. I called  Chase executive  office and spoke to person who told me my account had already been closed. I asked her explain why and she said she would have to open a case and have someone get back in touch with me. She told me I would hear back from someone within 24 hours. I logged into my account on line and had a notice indicating I needed to contact Chase by   XXXX   XXXX   to avoid having my account closed ( the initial letter said I needed to contact them by   XXXX   XXXX   ) and that there was a secure message available that would explain. There was no secure message available. I called the executive office 2 days after the first time since they had not contacted me within  24  hours as they had promised. The woman I spoke with informed me they would record my call, but refused me permission when I indicated I also wanted to record the call. She was able to find that a case had been opened but had no information in it, including which account I was contacting them about. She transferred me to a "  specialist  '' who did not have any information to give me and said I had been informed wrong about when to expect a response - that I should have been told  24 - 48  " business hours '', which she explained was actually  3 - 6  business days. She put me on hold numerous times, then told me she would get back to me after she researched the case and would not give me any idea as to how long that would take. At this point I have no idea as to whether my account is open or why they would want to close it. It is not in any way delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed now twice with no response regarding XXXX medical collections that are unknown and outdated listed on my credit file. I would like these removed as they are false information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The original lender for my loan was Countrywide, which went out of business. Its advertising was deceiving because it advertised affordable mortgages. My mortgage monthly payments increased dramatically, making it impossible for me to keep current with my mortgage. In 2009, Countrywide contacted me to pay {$4000.00} to bring my account current. Country wide took the {$4000.00} and other monies from me, claiming that it would bring my account current but it did not. I tried in several occasions to modify my loan but I was always denied. It is as if the bank wants people to lose their homes. The lender is not working in good faith and I have question the legality of the origins of my loan.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

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

Complaint: I have been charged a total of {$160.00} since banking with Citibank that I have never agreed to. I believe they have been charging me without my consent and unfairly for some service I am not familiar with. 
When I just tried calling them, I was transferred to XXXX different departments. Finally the last one that handles the " safeguard charges '' could only cancel the service and told me that in 30 days after their investigation is complete, I would hear back from their investigations department. I asked if I can speak to someone that can explain the charges and how much I will be credited back and was not given any response besides you will hear from them in 30days to determine the outcome. When I asked the girl if she put in a request if she can confirm that we have the same amount and her amount was greater as I only have access to the last 2 years. Her amount was {$160.00} and I am going with that as I do n't have full access to my account online.

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 03/13/2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (MO).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I got my car through XXXX in XX/XX/XXXX. My car was written off as a charge off in XX/XX/XXXX. I got no letters, calls emails or anything. When I logged onto my account online my account is no where to be found. I get an error message that states there are no accounts with my credentials. My car was recently taken by the repo man on XX/XX/XXXX. I did not receive any calls saying they were looking for my car or wanting to begin a new payment plan.

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 02-02-2017 about Credit card () with DISCOVER BANK (FL).
Issue: Transaction issue

Complaint: I am writing to your agency because I am very upset the way Discover handled my claim. XX/XX/2015 we received several calls from XXXX XXXX from XXXX telling me that he could get us XXXX federal grants for economic stimulus. But they wanted {$2300.00} up front so he could do all the paperwork. We agreed and paid them with our Discover card {$2300.00} to XXXX XXXX. Well needless to say they kept stringing us along and telling us that the grants we had applied for were gone, so I contacted Discover and was told they could not help. They would n't even do a good faith investigation. The Attorney General told me that I was well within the guidelines of claims and defenses, again Discover would not help. I also paid {$6900.00} to XXXX XXXX. I was again defrauded. I disputed the charge. Somebody called in and dropped the dispute. I tried to re open it and was told I could not. I know that 's not true but Discover would not listen to my side. The money was supposed to go to XXXX but instead went to XXXX XXXX. I explained to Discover that it is not a billing dispute, it is for services not rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: A fraudulent purchase was made on my Macy 's card  on XXXX/XXXX/XXXX. As this is a rarely used card and I had paperless billing set up, I did not notice the charge until I started receiving phone calls for my account being past due. The fraudulent purchase was reported to Macy 's immediately upon discovery on XXXX/XXXX/XXXX. They sent me a form to fill out that was dated XXXX/XXXX/XXXX, which was filled out and returned to them with all requested information on XXXX/XXXX/XXXX. I have called them nearly every month to check on the extremely slow progress since then. The majority of the charges were finally removed in XXXX, however, late fees accrued that are directly related to the fraudulent purchase still remain on my account as of XXXX/XXXX/XXXX. In addition, this has reflected extremely negatively on my credit score, as all of this has been reported to the credit bureaus as if I am not paying my bill.

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 07/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have a forbearance on my Navient account until XX/XX/XXXX. On XX/XX/XXXX, I applied for a IDR plan due to changing teaching positions. Navient did not approve this plan until XX/XX/XXXX. I continually called and uploaded documents to their website due to the documents disappearing after 7 days .for the entire month of XXXX Then they sent me a ebill also on XX/XX/XXXX to pay the first payment on XX/XX/XXXX. I called them on XX/XX/XXXX to discuss finishing the previous forbearance or using one month of the forbearance to start making payments on XX/XX/XXXX. I was informed by two representatives, " XXXX '' and " XXXX '' that I had used all of the forbearance and could not change the original due date. They both told me that I could not use the remaining 2 months of the previously approved forbearance, that I could set up my budget to repay this bill. At the same time that I submitted IDR paperwork to Navient, I submitted it to XXXX and was approved on XX/XX/XXXX and my first payment was set up for XX/XX/XXXX, which I already set up for automatic payments. I simply want to start my Navient payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  incorrectly reported to all  XXXX  credit bureaus that I was late paying my mortgage in  XXXX  when in fact I sold my home on  XXXX / XXXX / XXXX .     I contacted   XXXX   after I attempted to get a pre-approval letter from  XXXX   XXXX    XXXX   XXXX   XXXX  and  XXXX  Loans who reported my loan being open in  XXXX   XXXX . They told me that the loan was closed by them  XXXX   XXXX ,  XXXX , which is not correct according to the closing documents from   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   ,   XXXX   XXXX .      XXXX  filed a dispute for me at that time. I received the documents sent me from  XXXX  but it did not include a letter that they in fact reported it late to the credit bureaus, which was also requested. They did not attempt to call the bureaus to rectify their error.     I used  XXXX  to help resolve the problem in  XXXX , however it has been a month and  XXXX  has yet to respond as of  XXXX / XXXX / XXXX  inquiry from  XXXX . The other  XXXX  agencies have not taken it off their reports  XXXX  and Experian have placed the request by  XXXX  into investigations since they have inadequate documentation.     Today,  XXXX   XXXX ,  XXXX , I called  XXXX  at  XXXX  and they told me their dispute is pending. I explained that it was unacceptable that I have not received a letter form them stating that there was an error made by them in reporting the loan delinquent when in fact the loan was closed by them and not documented accurately!!!     They refused to let me speak to a  manager  or supervisor in their department. The rep handing the call gave me a number to fax to  XXXX  a written authorization for them to speak to the Credit Bureaus Agencies, (  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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom this  may  concern, I write this complaint to seek clarification regarding information reported to my Equifax credit report. Quite illogically, my Equifax credit report is reporting what appear to be identical records on multiple occasions - artificially inflating the number of credit accounts on my credit report.     Specifically, as can be seen in the attached document, accounts with the   XXXX   XXXX   XXXX  / XXXX  and   XXXX   XXXX   XXXX   XXXX   are reported in what appears to be a duplicate fashion. Which, notwithstanding other potential problems, constitutes a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The name XXXX XXXX XXXX XXXX XXXX XXXX XXXX wv XXXX is CORRECT There is another XXXX XXXX XXXX with XXXX West Virginia address on my credit report, I have never lived at this address, there is public record report of the XXXX XXXX XXXX with the XXXX address on 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 non-monetary relief
Consumer complaint received 05/26/2016 about Mortgage (FHA mortgage) with GUARANTEED RATE INC. (IN).
Issue: Application, originator, mortgage broker

Complaint: Please investigate mortgage loan application # XXXX with Guaranteed Rate. The loan officer, XXXX XXXX and his boss, XXXX XXXX have refused to following federal/state guidelines concerning employment and grant assistance. Specifically, XXXX and XXXX XXXX XXXX, 2016 responses regarding XXXX full time employment requirement are inconsistent with the XXXX income regulations. Guaranteed Rate has misled me ( and Seller ) with pre-approval process. The company has discriminated against me by refusing to honor Indiana 's XXXX XXXX XXXX assistance program. In reliance of Guaranteed Rate 's misleading statements and invalid pre-approval documents, I spent {$450.00} on appraisal fees, and {$3000.00} in down payment expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion is still showing incorrect name related to me. I am XXXX XXXX XXXX and they show either XXXX XXXX XXXX and they also show 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 12-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Chronically misinformed (17 years!!!) by both XXXX XXXX and Navient, that income driven and accruing forgiveness options were available.Every single year I called in to try to implement and they actively denied these were possibilities.I always was responsible and did exactly what I was instructed was the best and only options available to me.I would the retro-foregiveness time that was denied me to be applied. That's nearly 20 years! I actively asked and had no recourse.I would like to be included in the litigation that is going on now.I was also not allowed to take my loan to another institution (ongoing - even within the past few months) they claimed. The loan has nearly 8% interest from 20 years ago, even though interests rates have gone down substantially over those years.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with U.S. BANCORP (MO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: There is a hold on my checking account. I had n't been using the account when i noticed that it fell into a negative balance due to fraudulent charges. I reported this all to the fraud department at US Bank. They took care of the issues and fixed my account however an error on their end causes for my account to still have a hold. And they closed it right before it got resolved. Its not my debit card that has a hold. Its the checking account itself. I wo n't have access and have n't had access to my account in days.Which is no longer acceptable. I 've started a new job and my deposits will bounce back because they wo n't contact the case process worker to lift it.They keep saying that I 'll receive a call and I have n't. They tell me to call the branch and branch sends me back to the service center line. I 've spoken to over 20 representatives, each response different. My new debit card is activated and i ca n't even deposit or access my direct deposit. This is all unfortunate.

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 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Mountain West Legal Solutions, PLLC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted in XXXX 2015 by Mountain West Legal pertaining to a debt that was owed on Oregon case number XXXX This case was taken over from XXXX XXXX XXXX XXXX. I revived court documents from Mountain West Legal from the XXXX XXXX Courts advising they had taken over the case. 

I spoke with a XXXX XXXX XXXX from the company and came to a resolution of making payments of {$270.00} a month starting on XXXX XXXX 2015. Payments were made by automatically being withdrawn from my account. Payments were debited through XXXX 2015 then stopped. 

I attempted phone contact with Mountain West Legal but was unable to connect to any of the numbers given. I was advised the numbers had been disconnected. I then sent an email to XXXXXXXXXXXX ( The XXXX XXXX XXXX I had spoken with via email in XXXX ) and received no response. I attempted to call numerous more times with no luck. 

At this point I thought the debt and issues were handled. 

I am attempting to purchase a house and have found that the judgment against me XXXX is still listed as " Unsatisfied ''. I have searched the internet for contact information and have still not found any that allows me to contact this company.

Company response to consumer: Untimely response
Consumer complaint received 08/28/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX has reported to XXXX incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times

Company response to consumer: Closed with explanation