milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I called XXXX XXXX to request my credit limit be increased because it was previously decreased. I informed the representative that i did not want my credit report ran. The representative confirmed with me that my credit would not be ran. I was told that my credit limit increase request was approved. After ending the call I received a notification from XXXX that a new hard inquiry was added to my report from XXXX XXXX/XXXX XXXXt. After further review i also saw that they ran my credit without my consent on both XX/XX/XXXX andXX/XX/XXXX. I called XXXX XXXX immediately and was told i would need to dispute this in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Transaction issue

Complaint: On XXXX XXXX, 2016, I logged onto CitiCards.com to pay XXXX bills associated with XXXX credit card accounts I hold with them, as I do each month. Due to my financial circumstances, I can only afford to pay the minimum payment on each card right now. I paid the minimum payment amount on each card like I 've been doing for years. No missed or late payments EVER. These funds usually get deducted from my checking account. I go to use my checking account debit card today XXXX XXXX XXXX XXXX to buy groceries and it 's declined. I check my checking account to see that a total of {$14000.00} has been deducted from CitiCards to pay off the remaining balances on my cards. I assumed this was due to an error with their online payment system, because I did not authorize them to do this. I called CitiCards, and all they could tell me was, " Sorry, there 's nothing we can do, the transaction is in place, call your bank. '' I 'm sorry, but as a customer for several years, with no late payments or other issues with previous transactions, I do n't think this an acceptable way for a credit card company to act to a customer who just had several thousand dollars incorrectly deducted from their checking account. They did NOTHING to try to resolve my situation as I was hysterically crying on the phone. We are about to be hit with a blizzard in my state, and now I have no money. Basically they just said it was an issue between me and the bank that I hold my checking account with. I do n't believe there is nothing they could have done to stop this transaction. As a major financial institution with billions of dollars, I doubt fixing my error would be a huge sacrifice for them. They need to accept responsibility for their operations. Disgusting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loan company ( Navient - formerly XXXX ) will not help me to reduce my monthly payment amounts. They let me know that they do not reduce them for private loans, but that I could submit a federal loan monthly payment reduction. I submitted an application 3 times to the government site and have not heard back ( last submission was in XX/XX/XXXX ). Navient is charging me {$1000.00} per month and kept pushing me into forbearance. Forbearance is no longer an option and they have not offered any assistance to get these under control so I just keep accruing interest of 6-9 %.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX ( XXXX ) XXXX ext XXXX Following several disputes with the credit bureau ( s ) ( TransUnion and XXXX ) and phone calls to XXXX, neither of these agencies can produce any proof this account is mine, tell me what it is for, or produce any signed document correlating me with the account. In addition upon connecting with XXXX, first they stated this is a medical bill ( I never received medical care ), then it was for tuition reimbursement ( never received tuition payments ), then it was for school reimbursements. To date XXXX can not produce a single document correlating me with the proposed amounts owed.

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 12/22/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: After waiting 5 months for assistance with my mortgage payments because I lost job the lender only offered a forberence plan that would then put me past due. Th offer is still unaffordable based on just my husbands income. They intentionally want me to default on my loan. After Ive begged for a modification, which I am eligible for they refuse to help. I explained to the underwriter that reviewed my paperwork that {$820.00} a month still doesnt meet the requirement of 31 % of my new household income. Also, if I default on my payments it affects my credit which will also affect my chances of finding a job. When Ive applied for jobs I need to pass a background and credit check, if Im delinquent it wont help me get out of his financial hardship.

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

Complaint: The Equifax data breach that occurred in XXXX XXXX. My personal information was compromised. I verified this information through Equifax and was told that my personal information was involved.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is : XXXX XXXXLoan # XXXXAddress of Complaint : XXXX XXXX XXXX XXXX XXXX, XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (I do not know) with ULRS, Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received several calls to my cell phone and home phone as wells calls to my parents and brothers trying to collect a debt for a company named  XXXX   XXXX  that I do not know. I explained to her that I do not know this company nor I am aware of any commercial transaction between that company and her client. But she did not accepted my explanation and keep harassing me and my family threatening me verbally and unjustly for a claim that I have no idea about it

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Account opening, closing, or management

Complaint: I was subjected to systematic and institutional XXXX at Branch Banking and Trust. I requested copies of XXXX checks ( i.e. made payable to XXXX XXXX XXXX that cleared my BB & T Checking Account between XXXX and XXXX and bank officials refused to perform a search for the checks. After bank officials refused to perform the search, I received an email to bring money to any BB & T Branch in order to have the search performed.

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

Complaint: They mishandled my information and according to their website I am a potential victim.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: After discovering several TILA ( Truth in Lending Act ) violations concerning the loan transaction, being unable to obtain a certified true and accurate original promissory note from the alleged owner of the loan, in addition to a fraudulent assignment filed with the county clerk : in XXXX XXXX, XXXX I exercised my right of rescission pursuant to TILA 15 USC 1635, Regulation Z 226.23. Under federal law the security deed has been extinguished and interested parties ' rights under the security deed have been terminated. Any security interest or other interest held by XXXX XXXX and/or XXXX, XXXX and/or XXXX XXXX XXXX, XXXX. and/or The BANK OF NEW YORK MELLON as Trustee For the Certificateholders XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates Series XXXX and/or other known and unknown entity is VOID upon my rescission. See 15 U.S.C. 1635 ; 15 U.S.C. 1611 ; Regulation Z 226.23. These parties mentioned have NO interest or successor-interest in my property as those claims were waived by non-response and failure to file a complaint within 20 days. The parties also failed to return the original note marked cancelled and cancel the security deed and recorded in XXXX County, GA and return all consideration paid by me within 20 days of receipt of my letter 15 U.S.C 1640 ( a ). 
As of XXXX XXXX, XXXX THE BANK OF NEW YORK MELLON retained XXXX XXXX, XXXX of GA to act as agent to foreclose on my property with the sale scheduled on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I sent a certified letter to the law firm and BoNY MELLON to cease and desist any collection attempt, including but not limited to any attempt to foreclose on my property. Any attempt to collect under the non-existent deed of trust and mortgage is a violation of federal law. All instruments with my name have been properly RESCINDED and are VOID. As of XXXX XXXX, XXXX, the foreclosure sale HAS NOT BEEN CANCELED. BoNY MELLON is acting as debt collector in violation of the FAIR DEBT COLLECTION PROCEDURE ACT 1692 ( g ) Section809. On XXXX XXXX, XXXX via email, BoNY MELLON stated that they have no right to make a claim or successor-interest in my property. Again cease and desist! 
A report was filed regarding this RESIDENTIAL MORTGAGE FRAUD pursuant to OCGA 16-8-102, 16-8-104 and 16-8-105 to local law enforcement and elected officials as well.

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 (Other (i.e. phone, health club, etc.)) with Express Collections, Inc. (SD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX, I was made aware of an old daycare bill that was in collections. The total amount, with fees included was {$470.00}. ( The original amount due to the provider was about half that. ) I paid {$200.00} down, and set up a payment arrangement for {$28.00} a month for ten months.I paid the debt by following the payment arrangement and was recently contacted by a representative of the company to pay an additional {$100.00}. I do not owe this debt. When I told him that he threatened to seize property, garnish my wages, or let the courts decide. This very same debt is also listed on my credit report by XXXX for the original {$470.00} and I told him about that as well. He stated that he does n't know who that company is or why the original debt is listed twice. I told him many times that the debt was paid in full and he kept threatening these things. I 'm so distraught over this issue that I 'm physically ill. It 's not about the {$100.00} that he claims is due, it 's the way I was treated, by him, during the call. I know that this debt is paid in full and he harrassed and threatened me until I finally told him to take it to court because I am disputing the validity of the debt. I 'm thoroughly disappointed with the lack of respect and his refusal to hear what I was saying. I have bank statements to support that the debt is satisfied. I 'm not sure what my next step should be in this, but I know he is n't right in what he 's trying to do. I believe in doing the right thing and I have paid this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Received an offer for a {$200000.00} HELOC from Bank of America through XXXX XXXX : Terms of Offer ( received XX/XX/XXXX ) _______________________ Congratulations You chose to work with XXXX XXXX XXXXcertified successrate Bank Of America ( XXXX ) XXXX XXXX Download VCard. 


Equity {$0.00} Term 30 Rate 4.08 % Fees {$0.00} Rate Type Adjustable Amortization Yes Notes There are zero fees, zero closing costs ( APR is same as note rate ), zero maintenance fees, and zero pre payment penalties. 
_______________________ On XX/XX/XXXX, I spoke with XXXX XXXX - he confirmed all of the above terms, and made no mention of any draw requirements.. Based on my reliance on the offer and his confirmation, I authorized a credit check and gave my SSN. 

My next contact was with XXXX (? ) XXXX on XX/XX/XXXX, the loan processor at XXXX XXXX She stated different terms for the loan - contingent prepayment penalties if the line was closed within 36 months and a requirement for a {$100000.00} draw at closing. My FICO is over 800 so the credit check could not have been the cause of a change in credit terms. 

Based on these completely different terms and the fact that they appeared to have performed a " bait and switch '' to get me to authorize a credit check. I stated that I would not proceed with the loan process, and I wanted to file a complaint. No one has followed up to address my concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: There are several issues:1. FAILURE TO DELIVER FREE CREDIT REPORT. I completed a complete written application including copies of driver 's license and utility and mailed that to Experian at its free credit report address. In response, Experian sent me a statement claiming I failed to provide ANY OF THAT that information in a letter I received about 2 weeks after my request. 
2. BREACH OF CREDIT INFORMATION. The statement from Experian was directed to my home address but listed a completely unknown name : " XXXX XXXX XXXX. '' It appears that Experian has given me confidential identification belonging to another person. Experian 's Report Number is XXXX and was issued XXXX. 
3. FAILURE TO MAINTAIN 800 Number. I received a subscription to ProtectMyId.com, a company owned by Experian, under a court settlement regarding massive identity theft. I logged onto that site and saw XXXX erroneous credit reporting issues. Using the website, I tried to file a complaint using that service, but it would not allow me to file any complaint. The website demanded a report number, but did not give me a report number to identity the matter. I attempted to call ProtectMyId.com but noone answered the phone, even when I hit XXXX or followed the prompts. I then tried to call Experian and could not get through either. 
4. PROTECTMYID.COM. I filed an online complaint with the website stating it did not deliver the service it was set up to deliver. I received an email over a week after I sought help from ProtectMyId.com stating that my request for assistance was received. I responded asking for actual help. I have never received any assistance from the website, Experian 's subsidiary. Instead, they then sent me a letter telling me they could not help me with a dispute involving Experian. 

CONCLUSION. I am very concerned that Experian is reporting incorrect information on my credit and refusing to communicate with me about it and is instead releasing another person 's name to me. If they confuse me with another person, are they sending out my confidential information to a complete stranger? XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NE).
Issue: Advertising and marketing

Complaint: I am sick and tired of getting credit card, loan, and insurance mail from USAA. I 've called these XXXX and told them I 'm not interested in there products, but I still keep getting mail from them. I want it stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with DISCOVER BANK (GU).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I opened a Discover Credit card to re-establish my credit and raise my credit score. Everything was fine at first, then Discover started " losing my payments '', blaming the other financial institutions for the " errors '', they then claimed I was at fault, dropped my credit limit, I made several attempts to pay balance in full that I doubted I even owed. However, they claimed that the XXXX times " the payments were returned by Discover ''. I do n't know why a payment made to a Credit Account would be returned, that makes no sense. Then Discover started claiming that I owed double the original amount. This is common among the complaints I have seen regarding their services. I even think that employees in their company have constructed a pretty good skimming scam here. No one could give me a straight answer as none of the people I have talked to can explain how my account has become so damaged. I also believe that someone may have stolen my identity, through this process. I need help and protection from these entities. My credit score was above XXXX when this started and now because of Discover 's misdeeds I am at XXXX. I really need your help to clear my credit and get this ridiculous debt amount cleared up. As this has caused XXXX of my accounts and pending the XXXX to be frozen, locked and or closed for their mistakes or wrong doings. My life and reputation has been black marked due to this and it was n't even my fault. I just want my credit fixed right away. Thank you for your time and help in any way. Who can I contact about the ID theft?

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: None of the drop down options explain my problem. There is a collection account on my XXXX credit report. I have asked for written verification of the debt and have not received it. Also, they are reporting on my credit for XX/XX/2017 the same month I received a letter from a different company about the same debt. Neither company have provident written verification.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been disputing a  XXXX   XXXX  account on my credit report since   XXXX   XXXX  . I have asked for verification from  XXXX   XXXX  of this negative account that they have reported to credit bureaus,  XXXX , Transunion, and  XXXX . I sent out a letter on   XXXX   XXXX   XXXX  .  XXXX   XXXX  signed for the letter on   XXXX   XXXX   XXXX  . I gave the company 30 days to respond with more information on this account. I did not receive a letter until   XXXX   XXXX   XXXX  . The company is not only reporting inaccurate data but has also broken the FDCPA. I have all documents and dates of the communication between  XXXX   XXXX  and myself. The company has continued to break the law. I have tried communicating with them and they refuse to talk with me. I have sent multiple letters asking for validation on the account. The company is also refusing to send a letter stating that if i do pay this debt they can not guarantee that it will reflect as paid on my credit report. When i asked to speak with a supervisor for this matter, i was told they did not have any on staff.  XXXX   XXXX  has also sent the account to a collection company and when you ask who has ownership of the account, they both point fingers. The company holding the account says they do not report to the credit reporting agencies and when you ask  XXXX  to send a letter asking to update to the credit bureaus once paid, they state that they can not do that.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself at potential risk of credit fraud and identity theft. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for one month after the breach was detected. I received no email, letter, or phone call and instead discovered the breach via social media.

Company response to consumer: Closed with explanation