milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I had internet service with XXXX XXXX for a few years. XX/XX/XXXX I started to experience a lot of problems where the internet would go down for hours at a time. XXXX XXXX did not resolve the issue, therefore I terminated my service with them in XX/XX/XXXX. I had automatic payment setup and did not have a contract. My last payment came out of my bank account on XX/XX/XXXX. A couple of years later I checked my credit report and discovered that XXXX had turned me over to a collections agency ( XXXX XXXX ) for {$71.00} ( one month service fee ). I had disputed with the other two credit bureaus and both removed the collections. However, Equifax is being impossible. I submitted my first dispute XX/XX/XXXX explaining the whole situation and lost it. I submitted my second dispute XX/XX/XXXX explaining the whole situation again and even included my bank statement from XX/XX/XXXX providing proof that this balance was paid. I just checked the status, and again lost the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Consumer Loan (Installment loan) with Risecredit, LLC (CA).
Issue: Managing the loan or lease

Complaint: I took out an installment loan in XXXX XXXX, the loan was for $ XXXX.To date I have paid well over {$6900.00}, almost three times the principle. I still owe close to {$3000.00}. Prior to accepting the loan I did read the " fine print '' but it was not easy to understand. It was not explicit stated that the monthly payments would be going to the interest and not to paying down the principle, making the loan impossible to pay off quickly. 
I called and spoke to a customer service agent on XXXX XXXX, XXXX ( the call was recorded ) and asked specifically for an amnesty on the remaining balance because I am having a hard time paying on this exorbitantly high interest loan for over 12 months. I also explained to her that to date I had paid almost three times the principle, she said " no. '' The fine print on this loan document was written in legalize that the average lay person could not possibly understand. There are many more months left on this loan ; in the end, the total paid before it is satisfied will be over {$9500.00}! Paying {$7500.00} in interest for a {$2500.00} loan is outrageous and should be illegal. 
Again, the " fine print '' was not easy to understand and I did not understand EXACTLY how much this installment would cost me. I have paid off the principle three-times over and the rest should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX I called Santander at XXXX PST to obtain the outstanding balance of all late payments and fees. The balance I was provided was {$770.00} and some change. That same day I made a payment of {$1400.00} to cover all outstanding amounts and make the payments for XXXX & XXXX XXXX {$310.00} each ). On XXXX XXXX I received an email receipt of the payment made and called to confirm that my XXXX payment was {$310.00}. I was notified by their automated system that the payment due for XXXX was {$410.00}. I called Santander to determine why and they stated the payment was not sufficient to cover all of XX/XX/XXXX payment. I asked for a detailed breakdown of payments, balances, late fees to prove their claim. What they provided did not answer my question but did result in additional questions. 

Santander initially refused to stop Autodialed calls to my cell without written notification. Santander charges $ XXXX {$15.00} for online/phone payments. 
Santander charges {$10.00} for late fee and another {$25.00} to delay a single months payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with Universal Account Servicing, LLC (WI).
Issue: Problem when making payments

Complaint: On XXXX/XXXX/2016, XXXX XXXX XXXX XXXX sold me a business credit builder and landing page design and they financed it for me through Universal Account Services. The amount borrowed XXXX from Universal Account Services. The credit builder turned out to be about 3 web pages worth of reading. There was no landing page design. When I asked about the landing page design, I was told someone would contact me. When they did contact me they wanted another XXXX dollars. So I hung up on them. Even though I try to make the payment to Universal Account Services, they keep drawing the money out of my account. I gave them permission to do this one time. But they are doing it every month. I really want them out of my bank account. The fact that XXXX XXXX sold me almost nothing for XXXX dollars I guess is the fault of XXXX XXXX XXXX XXXX. They completely misrepresented to me what I would receive for the payment. So I guess I am not sure if I should complain about Universal Account Services or XXXX XXXX XXXX. I would very much like to get Universal Account Services to no longer have the right each month to withdraw funds from my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan that was sold to ocwen, and had fallen behind on payments after some employment issues. Our current payment is approx. XXXX. We called in to ask for arrangements and were told to apply for a loan modification ; we declined and did not fill out paper work, but instead started sending in extra payments to pay down amount owed. We thought we had successfully done so by the beginning of XX/XX/2016 when our outstanding past due amount was approx. XXXX for XX/XX/2016 payment. We sent in XXXX which would have paid past due amount and left only a balance for the current payment month, which was also what the Ocwen website stated up until the first of XXXX. Needless to say that I was ecstatic to be over this hump and done with the nearly 20 calls per day by ocwen 's agents trying to push me into a loan modification or a huge lump sum payment. I was going to make another payment which would have paid my current month, leaving the past due nightmare behind us only to find via Ocwen 's webpage, that this company has reversed all of my payments since XX/XX/2016 ( approx. {$5100.00} ) and is now showing the mortgage in default, with payments owed starting at XX/XX/2016. I called Ocwen and they have no clue what is going on, the foreign sounding rep named XXXX, placed me on hold for 45 minutes only to tell me they have to send in an inquiry to their cashiering dept. to find out why this is being done and that I would have a response in approx. 7 business days, which would put us into the last week of XXXX. They do not know what happened, they do not know where my funds are ( they have not been returned to us ), they do not know how to fix it, but I am accruing fees and interest until they figure it out.

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 CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of mycredit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have thes e 15 in quires removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Medical debt) with Firstsource Advantage, LLC (WV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have never been contacted by One Advantage LLC regarding this debt. I would like full verification and not just my address verified. I want proof this debt is mine, an itemized statement of charges, all payments from insurance, dates of insurance payments and denials. Plus I want the HIPPA form sent to me. I want proof that I signed giving the original creditor the right to release my information to any 3rd party especially since this is medical related and violation of HIPPA could be involved. 

This needs to be removed from my XXXX credit report immediately while verification is being done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Once again, after processing a mortgage payment over the phone, CitiMortgage misapplied my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: i have bean consumer for chase bank for long time. on XXXXX/XX/2010 chase closed all my account. I try very hard to know the reason. I never got the reason for that. 6 month ego friend of my. witch she open for me home equity loan. she explain to me. a company under name wide world.witch going law suit for five years. opened a account under my name. and thy do. not legal transaction. no one info me about that. I am stile have closed account. for 13 years I paying monthly payment. I asking to open my checking account my three credit card and my equity loan. I cant pay my bill. the chase bank no take cash. for me this is not easy for to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problems caused by my funds being low

Complaint: Bank of America customer service charges and telephone fees and non disclosures and discrimination in lending hold fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/30/2016 about Mortgage (Other mortgage) with CORELOGIC INC (FL).
Issue: Application, originator, mortgage broker

Complaint: I recently applied for a home mortgage. I was advised that a hard inquiry was on my report from " CREDCO '' on XXXX/XXXX/2015. I did some research and found this to be a mortgage company. I never Applied for ANY type of loans at that time. I contacted a Customer Service number online and I was advised to contact XXXX wich I did, they are no help at all and advised I would need to contact CREDCO. No one is willing to help or provide documentation on this issue. I am requesting to have the inquiry removed as it is a negative impact on my score

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I already settled this debt with this collection agency as of XXXX 2016 and I asked them several times to remove the entry in my credit report that states collection. Although it appears that I have a XXXX balance, debt collection agencies should remove these reports in consumers ' credit files. And they not only do this to me for to other consumers as well. I have requested them many times but all they say is they can not remove it but they only told me that they keep updating it to XXXX balance. That is the case. If they report it as fully paid then they do not have to update it every month. I am disputing this with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: To whom it may concern ; Please amend my complaint filed by the FTC ( XXXX ) on my behalf and other government entities as well. As of today XX/XX/2018, my credit file with Equifax has had the exact same issues as follow for almost a year. 
I personally have not been able to access to my credit file for almost one year, Equifax customer service can not access my file, Equifaxs XXXX which I was set up on last year can not access my credit file, as well XXXX There were some items that were clearly not related to me or my social security number, and I have yet to discover if they have been removed. 
Equifax ask me to provide proof of my identity numerous times to verify my identity, proof of social security number as well address, for which I provided them numerous copies over several months repeatedly of my passport, social security card and bank statements and there still is an identity verification hold also on my credit file. 
They as well had me provide them a signed copy of a document for the social security administration for  proof of my social security number ( form XXXX )  which I complied with and please note, learned that this signed document had been altered by an Equifax representative. 
Also, I will include emails that I started sending at the end of last year for assistance to a XXXX XXXX and XXXX XXXX ( managers ) who did absolutely nothing but be unprofessional, dishonest, hostile and behave in ways that are possibly criminal. They as well have confirmed that everything is resolved on numerous occasion, knowing full well if I were to call customer service my credit file is not visible or accessible, or I cant order a copy, file credit disputes or anything. 
In closing XXXX XXXX and XXXX XXXX have done things that I am not going to write in this letter to me personally, that are troubling and vicious, and I can not be the only individual and they are still in charge, how is this possible? Therefore, I would like to know when is the Department of Justice going to get involve because these people are destroying other peoples lives. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I had the same problem last year getting my annual credit report from Experian. I never had this problem with XXXX or XXXX. In the process of printing out my credit report, it was interrupted by an " Error Report, XXXX '', message and I could n't get back on the Experian site. Attempts to contact them were ignored. I think this is a disgrace!

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 11/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: APR or interest rate

Complaint: I have been a customer with Capitalone for over XXXX years. Today I called to try to lower my high % APR and they said they ca n't help me with this. I 've always made my payments on time and I have paid of my balance XXXX times this year.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: equifax had previously deleted the account labeled XXXX due to lack of validation on XXXX XXXX 2016 and recently re added it to my credit report without notifying me of this change violating the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (OH).
Issue: Account opening, closing, or management

Complaint: My employer XXXX offers a 401k as part of benefits which is maintained by Wells Fargo. I get paid ( electronically, of course ) Friday of every week. Every week my 401k contributions are deducted and sent to Wells Fargo. For some reason, it takes until the following Thursday before my funds appear and post to my 401k account. Every dollar I contribute to my 401k is being held from my possession by Wells Fargo for 6 days. Are they using it to float short-term loans and keeping the profits for themselves? This practice is unacceptable and unethical.

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 03/13/2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SPS servicing has been stalling my loan mod application since XXXX/16. 
They request documents they already have, they say there is an issue with them when they are 100 % accurate. In many cases I just resubmit the original document and that ends up being approved. 
The process repeats itself with all other requested documents and I have to wait 5 days for each XXXX to know if it 's been accepted. 
Once again, they received 100 % accurate information on XXXX/16 and all requests for updated info were not needed since they already had it all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: As I have been using my banking checking & savings account. I receive a letter from my Bank of America dated XX/XX/18 that they closed my account.Case # XXXX. They told me that they do not need to give me the reason why when I called them and talked to a customer service personnel. So I had to wait for more than 10 days and on XX/XX/XXXX I am still waiting for my money that was left in my account including my XXXX check. They sent me a letter stating it was a business decision is why they closed my account. I feel violated that they just arbitrarily closed my accounts.Now I had to start all over with a new bank & new bank account and had to change and contact XXXX XXXX to change my new account for direct deposit.Its a sad case of affairs the elderly are affected like this. I hope something is done about this.

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 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collector is attempting to collect a debt which is being disputed to the original company. 

I have never received a written explanation and description of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (Other debt) with AFNI INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Afni, Inc, keeps sending me collection notices saying that I owe them {$520.00}. I have responded twice in writing to let them know that I do not owe this debt and I have no contract with them. Afni, Inc, keeps sending me a bill as validation and not verification of the account that I have no knowledge of. I have asked Afni, Inc for a contract with my signature obligating me to this debt which they have not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan is being transferred from XXXX to Navient ; and they are unsure of where the loan is in its processing. Navient is the recipient and has no record of me. XXXX is the seller and has a general time frame of 2 to 4 weeks ; but is not able to deal with my loan any longer. This means I am not able to make my monthly payment. When I do n't make a monthly payment, the interest continues to accrue on the current balance, rather than the slightly lower balance it would be at, should I have been able to successfully pay my monthly bill. Thus either XXXX and/or Navient will earn an additional profit by temporarily losing track of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to retrieve my free annual credit report, however, after answering the prove your identity questions incorrectly ( all questions ) they refused to allow me access to the report. Also, that the questions asked were all pertaining to a credit loan and a a mortgage lender and an a person who I never heard of let alone reside at the address ever to my knowledge which is making me nervous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the XXXX XXXX XXXX all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.

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