milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On X/X/2017, I submitted an inquiry to see if had been impacted by Equifax 's breach. They then tried to have me enroll in XXXX which would have prevented me from seeking any legal remedies in the future for information that THEY lost!!!! CORRUPT and disgusting!

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: APR or interest rate

Complaint: My Citi Dividend credit card APR was raised from 9.99 % to 12.99 % after Citi had given me written notice to opt out of this increase. The increase was due to financial problems in the country. The notice stated since I accepted the increase by not opting out my APR would go to 12.99 % for only future balances. However it also stated that previous balances before opt out would continue at 9.99 % but Citi charged me 12.99 % APR for my whole entire balance, including the previous balance which was supposed to stay at 9.99 % as stated on notice. Basically over the years I paid 3 points more for past balances even though it should have stayed at 9.99 %. How do I go about addressing this discrepancy? Thank you very much for your time. XXXX email : 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 01-05-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax Is willfully reporting inaccurate information on my credit report Acct XXXX # XXXX XXXX # XXXX I disputed XXXX accounts they were showing open and delinquent past due. After the dispute it now states zero balance and closed. I Also disputed with XXXX and they removed /Deleted off of my credit report. All XXXX Credit bureau 's need to report the same information but Equifax Has not Remove/ deleted the item.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: Select Portfolio Serving, Inc.has a scheduled foreclosure on my house XXXX XXXX, XXXX. The assignment being used is a robo signed by well known robo signers. XXXX XXXX  XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cut of date for this trust was closed when the assignment was created, and conveyed. The Pooling and Service agreement states the all mortgages must be conveyed prior to the cut off date or closing date of the trust. This can be found in section 201 of the loan trust filed with SEC. Therefore, the assignment is fraudulent, and fraud can not be the bases of obtaining a deed. 
Select Portfolio, was in the process of restructuring my loan while in this process of modifying my loan they denied me for any type of work out. I advised the of the DUAL TRACKING LAWS. I asked them to stop my foreclosure and they refused. 

The final issue is they have not responded to my demand for debt Validation Proof of Claim, or QWR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus has not provided me with my XXXX interest form in a timely manner. They have removed my online access since the account was paid in full in XX/XX/XXXX. Therefore I have no way of obtaining the XXXX other than waiting for them to mail. They claim that they mailed it prior to XX/XX/XXXX, but I do not trust or believe them. I would appreciate them providing me a copy of my XX/XX/XXXX XXXX interest form and I would also be interested in seeing proof of their claims that they 've mailed the form to me timely. They have my correct mailing address and verified this with me, but I 've still not received anything. Their standard answer is 'We can not control the mail '. They provided the figures to me over the telephone but I feel more comfortable with the form in hand since I do not trust them due to this same issue occurring last year and issues receiving our overpayment after payoff this last fall. 

I fear they may be compromising my personal information by possibly sending the XXXX form and possibly our refund from payoff to our previous address. I hope this is not the case, but I am not comfortable with the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Account opening, closing, or management

Complaint: I opened an account with Wells Fargo only to retrieve cashers ' checks to move into my new place from XXXX to XXXX XXXX XXXX. I opened the account with {$50.00}. The personal banker XXXX XXXX on XXXX XXXX XXXX XXXX never read a disclosure or informed me that a hard inquiry on my credit was going to be pulled. I signed some electric pin pad that I assumed was just to sign for the checking account. XXXX points were taken from my FICO score. 
Since opening the account, I have learned that I have a checking and savings account with a secure credit line, and there is a {$6.00} fee per month that was never disclosed to me until my husband was put on the account. I NEVER asked for these services, I wanted a simple checking account to get cashiers ' checks from my main online bank that I do business with. This account was supposed to be mainly for my husband on the account, for when he moved here. I called XXXX XXXX XXXX times to explain the situation, with no follow up. He stated he would talk with the branch manager. I called XXXX other times and left messages with no result. All I want to do is close my account. All that should have been checked is check systems ; my credit should never have been pulled. I feel I was tricked and deceived.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed an account on my Experian and XXXX credit reports that I believe is invalid or possibly the result of prior identity theft. 

The account was deleted, but then was re-added by another debt collection company who modified the date to re-age the debt so that it would appear as a recent debt causing more damage to my credit score and prolong the duration that it would appear on my credit report. 

The invalid account is listed as {$110.00} owed to XXXX XXXX XXXX XXXX, account # XXXX, opened on XXXX/XXXX/2015. 

I disputed this account a XXXX time with the assistance of the Consumer Financial Protection Bureau and the Colorado Attorney General 's Office. The debt collector stated that they believed the debt to be valid, but would have to deleted from my credit report while the investigation is ongoing. 

As of today, this invalid information is still on my credit report. I have attached the letter from the debt collector stating that they have requested the credit bureau to delete this account. 

I am asking that the credit bureau act promptly on this delete request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NV).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On XX/XX/XXXX, and XX/XX/XXXX and, XX/XX/XXXX XXXX/XXXX XXXX XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. 
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days. 
From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX/XXXX XXXX XXXX ) and they could not release information because some of the information did not match what I what information I had. 
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX XX/XX/XXXX and, XX/XX/XXXX a total of three times in a matter of a three-month span time. 
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up 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 06/24/2015 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On 2012 i purchased my house for {$820000.00} XXXX XXXX time home owner ) and later on i found out that is only worth {$400000.00} I want some XXXX to investgate this as is very unfair that i have a loan for {$800000.00} if the house is only worth less than {$400000.00} Please feel free to contact me if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Medical) with Capio Partners, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/15 I sent a letter to validate the debt that this company alleges I owe them. I have record of them receiving but not complying to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2015 about Payday loan () with Enova International, Inc. (NV).
Issue: Charged fees or interest I didn't expect

Complaint: I had a loan in place, I called on XXXX/XXXX/2015 to confirm the process of paying off my loan on my due date of XXXX/XXXX/2015. I was told to execute an extension online ; so that my interest payment would be deducted from my account on Friday and thane I had 24 hours from that deduction to pay off the principle to prevent additional loan fees from reaccuring. 

I did exactly that ; but when I called in the morning approximately 6 hours after my {$250.00} fee payment was deducted, they tried to make me pay an additional {$250.00} loan fee. 

This company practices are illegal in the state of Nevada and should not bee allowed to operate here. 

After I informed them as to my position in this state and knowledge of the law, they then told me they would allow me to make the payment on just the principle as a courtesy. I made it clear that they broke the law and was not extenuating a courtesy. Les knowledgeable consumers would had and are most likely being scammed by this process.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (IL).
Issue: Billing disputes

Complaint: TODAY I RECEIVED A LETTER SAYING THAT THEY TERMINATED MY ABILITY TO USE MY CREDIT CARD WITH FIRST NATIONAL BANK, OMAHA. INCLUDED IN THIS LETTER, WAS A DEMAND FOR THE CURRENT BALANCE OF {$250.00}. THEY INCLUDED A CONTACT NUMBER TO MAKE IMMEDIATE ARRANGEMENTS TO PAY THE OUTSTANDING BALANCE. WHEN I CALLED, THEY INFORMED ME THAT THEY HAD TERMINATED THE ACCOUNT, DUE TO A SERIOUS LATE AND NO PAYING BEHAVIOR PATTERN. WHEN I SPOKE TO A LADY, SHE STARTED NAMING OFF DATES THAT BOUNCED CHECKS, NFS AND CONSISTENT LATE PAYMENT BEHAVIOR WHILE USING THEIR CREDIT CARD. FIRST OFF, I DO N'T USE ANY CHECKS. THEY REFUSED TO GIVE ME THE CHECK #. WHEN I ASKED THEM TO SEND ME A LETTER DOCUMENTING ( DATES ) BOUNCED CHECK NUMBERS, CONSISTENT NFS AND LATE PAYMENTS, OVER THE PAST YEAR OF HAVING THEIR CC., THEY SAID THEY COULD NOT DO THAT. THEY THEN SAID THEY WERE REFERRING TO AN NFS ON XX/XX/XXXX & XX/XX/XXXX AND A BOUNCED CHECK ON XX/XX/XXXX, PLUS THE ATTEMPTED TO AUTO DEBIT XX/XX/XXXX BUT I HAD CLOSED THE ACCOUNT. I AM NOT REQUIRED TO HAVE AN AUTO PAYMENT ARRANGEMENT. THIS WAS CREATED TO MAKE SURE THAT I DID N'T FORGET TO PAY THEM AGAIN. I CLOSED THE AUTO PAY ACCOUNT AND MADE A ONE-TIME PAYMENT ON THE XX/XX/XXXX. THEN THEY SAID THAT 2 LATE PAYMENTS CONSTITUTED A VERY SERIOUS DEROGATORY PAYMENT PATTERN, BEHAVIOR. TO BEGIN WITH, THIS WAS AN ACCOUNT THAT I HAD TO PAY TO OPEN AND I THOUGHT I HAD A GOOD PAY HISTORY WITH THEM. I DO NOT WANT THE ACCOUNT REOPENED. INTENT IS MY CONCERN. THIS ACTION ALLOWS THEM TO SEND A BAD REPORT TO THE XXXX CREDIT BUREAUS AND BY ASKING FOR THE TOTAL BALANCE, WOULD ALLOW THEM TO FURTHER DO THEIR CHARACTER ASSASSINATION, BY COUNTING THE DAYS IT TAKES TO GET THAT TOTAL OUTSTANDING BALANCE. INTENT IS THE ISSUE HERE, AS I SEE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am filing this complaint against NAVIENT student loan servicing company. It appears to me that they are in violation of their obligation to provide their borrowers with information pertinent to the administration of their accounts. On XXXX XXXX 2017, I called NAVIENT and spoke with 6 different people ; had my call dropped twice and re-routed to a survey gauging my customer satisfaction ; and was yelled at by a customer representative before I finally ended a 90 minute international call, all while being stonewalled and aggressed -- ultimately accepting defeat. <P/>My query was simple : do I qualify for an interest rate reduction, and if not, why not. <P/>After 7+ years of making regular payments and having a credit score in the upper 10th percentile, I was told I did not qualify but that they could provide me with was no reason for this disqualification. Customer Representative ( CR ) XXXX speculated it was because of my loan type, but could not specify what loan types I possessed, CR XXXX opined it was because of my personal eligibility, but could not specify what personal criteria applied. All assertions made by NAVIENT staff were pure conjecture. <P/>I persisted, asking to speak with someone who would be able to provide such information. With every phone transfer up the food chain, I asked repeatedly if there were eligibility criteria that I could access, to which I was told that this information is not available to me. This stonewalling alone would have been altogether deflating in and of itself. However, things digressed rapidly when I was then put in touch with CR XXXX, XXXX, who said that she knew what the eligibility criteria was but then said that she could not and did not want to share them with me- she vacillated between could and would. <P/>I was perplexed by the withholding of such information. NAVIENT is a multi-billion dollar business that thrives off of charging usurious interest rates on students for the duration of their lifetimesbut to add insult to injury, they treat you like they did you a favor. After XXXX withheld the information, she then raised her voice a number of times, and ultimately hung up without so much as a goodbye. <P/>NAVIENT represents student loan predation at its worst : it has no accountability to the clients it allegedly serves, and, furthermore, is hostile towards them while taking their money. It is not surprising then that NAVIENT has been named the most complained against loan provider in America across myriad credible publications in 2017 and is being sued by the Consumer Financial Protection Bureau ( CFPB ). Predatory companies like NAVIENT need to be stopped. I sincerely hope that I receive a response to the specifics of my complaint. I value the work that the CFPB conducts in protecting consumers and their confidence in our economic system.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I learned that I was included in the Equifax Data Breach and immediately enrolled in their TrustedID credit monitoring product. After waiting 48 hours for the system to send me an email notification that my account was set up I immediately tried to login to my account using the user name and password used to establish the account. After several attempts I was locked out at which time I contacted Equifax and was told that they were inundated with requests and their system was down for a few hours and that I should try again later. I waited a couple of days and tried again to be told my login and or password was incorrect. I immediately requested to reset my password and received an email allowing me to so ; unfortunately when I entered my date of birth and the last 4 digits of my social security number I received an error message indicated that this information did not match their records. Since this this happened in early XX/XX/XXXX I have attempted to call Equifax on 5 separate occasions. Most recently today XX/XX/XXXX and Friday XX/XX/XXXX. On XX/XX/XXXX after a lengthy 25 minute conversation with an individual in XXXX who could not understand me nor could I understand him I was allowed to speak with a supervisor who told me that everything was reset with my account and it would take 1 hour to be reset. On XX/XX/XXXX I attempted to login to my account and received the same error messages with my password and the again when I tried to reset my password. I called Equifax once again and was told for the first time that the date of birth I was entering did not match what they had in the system. Only to be told that the issue was reported and it would take up to 48 hours to get resolved. I am very concerned that not only am I dealing with individuals who don ; t understand how to professionally do their job, I am more concerned that these call center individuals are not handling my Personal Identifiable Information ( PII ) in an appropriate manner. I want Equifax to provide me with the credit monitoring product and service they promised and I want the opportunity to make sure they have the most current accurate personal information on file. I should not have to go through so many hoops and hurdles over the course of 6 weeks to accomplish this process especiall if they were better stewards on consumer PII and not so greedy about cashing in their stock before they made this breach public information. As a consumer I demand that the CFPB look closer at this company and fine them for their incompetence. I still have no resolution or certainty of when resolution will be obtained and my free credit monitoring will kick in. I also have no idea if I have been a victim of fraud.

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. (VT).
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 and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Application, originator, mortgage broker

Complaint: We contracted with XXXX to build our house for {$440000.00} and had USAA provide our financing. In early XXXX 2016, USAA requested an appraisal of the home and we learned USAA provided incomplete and inaccurate data to the appraiser when conducting my appraisal. The purchase price submitted to the appraiser was {$410000.00} which was inaccurate and the inaccurate price was used to calculate our price per square footage and comparables. We challenged USAA and requested a reconsideration of value only to be denied with no explanation as to why. On the day of our closing XXXX, the appraiser was contacted and asked to visit the property that day XXXX XXXX XXXX to complete the reevaluation, which we learned through conversation with the appraiser, she never received our options list or received any contact from USAA regarding our request for reconsideration of value. 

As a result, our house did not appraise for the purchase price and our loan to value was significantly impacted where we were required to pay a higher amount into escrow for private mortgage insurance ( PMI ). In addition, our monthly PMI payment is higher due to the lack of value from the appraisal. 

I 'd respectfully request the CFPB 's help to have USAA provide rationale for the usage of an incorrect appraisal, the lack of communication to the appraiser when a reconsideration of value was requested due to inaccurate data, as well as retribution for the excess paid into escrow at closing and monthly PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation