milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/XXXX I got divorced in XXXX, OR I have never remarried and as of XX/XX/XXXX I am still associated with my ex husband social and address. I have attempted to have the information corrected over the past 15 years and I never see changes and I give up. Not this time. 

Another address was only a holding address while I moved I need it removed and all the credit bureaus report it. 

I have a judgement that I never received any information on and now I am not able to rent an apartment because of the judgement. I would like more information on suing the apartment complex for this lien. 

Federal Trade commission needs to reform the Credit Bureaus because data is not updated and people are done being XXXX by these reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Credit decision / Underwriting

Complaint: During the VA loan application process with Navy FCU it was requested by the loan officer that I submit a letter of explanation for a mortgage 60 day late on my credit bureau report. I submitted a response that the mortgage late was due to unemployment and submitted supporting documentation as unemployment as the reason for the 60 day late. The mortgage late was not due to financial mismanagement as unemployment was reason for the 60 day late. The loan officer communicated to me verbally over the phone that my application was declined due to financial mismanagement as the loan underwriter stated that due to my occupation ( working for a bank/financial services industry ) that I should have known better to make my mortgage payments on time on my rental property. This is a fair lending violation for discrimination and shameful conduct for Navy FCU as a financial institution that has a majority of it 's customers from the veteran community as a application for VA mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Bank account or service (Checking account) with U.S. BANCORP (OR).
Issue: Problems caused by my funds being low

Complaint: I required to file charging complaint against U.S. Bank into XXXX, Oregon because of they do not accept me with U.S. Bank checking account/debit because of Overdraft Record History with XXXX XXXX XXXX. I file complaint against U.S. Bank refused serve with me in opening account for personal checking and debit, included credit card because of Overdraft Record History and discriminates against me with deaf/hearing-impaired customer, appearances, and other source in U.S. Bank account, right now that I do not have any U.S.Bank account. I was not happy with U.S. Bank new account for me to use this credit/debit/check account because of bad records with credit record discrimination against me, and overdraft discrimination as well as service complaint package. 
Sent to U.S. Senators : ( finished )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: XX/XX/2014 I was approved for a FHA XXXX modification and a KEEP YOUR HOME CALIFORNIA REISTATEMENT GRANT. I was sent a copy of the approval, monthly payments that I would be making, interest of 43/4 and was waiting to receive the loan docs. On XX/XX/2014 I had already made two trial payments and was informed by the loan servicer that my loan docs were sent to me by mail, I also received a phone message that my KYHC file was being closed because my loan servicer had opted out of giving me a loan modification because I had not provided them a document that had been requested and I no longer had a loan modification. I contacted my loan servicer and was assured that I no document was missing and my loan modification was secure and that KYHC had opted out and would not be offering any financial assistance to reinstate my loan. I tried to explain to KYHC that I did have a loan modification but KYHC refused to contact my loan servicer and sent me an email that when I start making more money I could reapply for assistance. This information was false, once my loan modification docs are signed KYHC will not offer a home owner assistance. I recently filed a complaint against KEEP YOUR HOME CALIFORNIA with the California XXXX and again I questioned my loan servicer who still maintains that they did not opt out of accepting financial assistance.. KEEP YOUR HOME CALIFORNIA addressed my claim but the story has changed slightly. They maintain that an opt-out document was received from my sevicer and that an opt out can be decided for no reason or any reason. I want to also state in my claim that my loan servicer treated me just as bad. A {$35000.00} balloon payment was never stated or was addressed when I received the preliminary approval for the FHA HAMP loan .I wanted the fees explained and asked why this was never mentioned. My loan servicer refuse to discuss the balloon payment or itemize the amount I was being charged. A debt counsler that I had been assigned to called my loan servicer and a three way conversation was held. The request again was made to itemize the {$35000.00} and the servicer agreed. I was then told that the late payments added up to {$22000.00} which I already knew and that the rest were fees. I got nothing. I than received a letter from my loan servicer that due to my inquiry an adjusted fee was discovered and now my balloon would be {$37000.00}. New loan docs were mailed to be signed and notarized again. Also, soon after my first mortgage payment I was informed that my new payment would now be {$79.00} more due to a rise in taxes. My loan servicer decided the value of my home would jump from {$140000.00} to {$190000.00} and was well aware that my taxes had been hiked. So you see I have been treated very bad and both of these agency are pointing the finger at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My name is XXXX XXXX and I am a XXXX XXXX. I am attending the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX in XXXX ) Program and expect to graduate in XXXX of 2018. I currently have a balance of roughly {$240000.00} in federal student loans ( comprised of direct and FFEL loans ) with XXXX XXXX XXXX Account Number : XXXX. Some of these student loans are in " deferred '' status and some of the loans are in an " in-school '' status. I would like to begin repaying the entire balance of my student loans with Fed Loan Servicing. As a result, I submitted an Income Driven Repayment request through StudentAid.Gov. I contacted Fed Loan Servicing today and was told they received my Income Driven Repayment Request but can not process my request since I am in an " in-school '' status. In addition, I was told I can only repay my loans at this time with a " deferred '' status and that I can not begin repaying any of my loans that are in an in-school status because the " grace '' period on these loans has not been satisfied. I find it unacceptable that I can not begin repaying on the entire balance of my Fed Loan Servicing loans with an Income driven repayment plan because of an " in-school '' status. As a result, I feel as if I am being discriminated against since I am a student. As you are aware, interest continues to accrue on my student loans while I remain in school. In addition, Fed Loan Servicing is refusing to provide me with a letter which states the current payment on the balance of my loans with Fed Loan Servicing when the lowest Income Driven Payment plan that I would qualify for is applied against my loan balance. This letter is required by a current lender and is necessary to be approved for financing. As a result, I am requesting your assistance with these matters as Fed Loan Servicing is refusing to assist me with my requests. Thank you in advance for your assistance. Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with SCHOOLSFIRST FEDERAL CREDIT UNION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In 2012 w e were forced to declare bankruptcy because the credit union would not alter our loan modification as they said our bill were our fault so they would not help us even though I was a member for over 20 years with a perfect record. During the BK they would not take called from our lawyer so we were not able to reaffirm our mortgages. Now they report them as delinquent  as of  X/2012  ev en thought they have always been current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: All inquiries were Deleted and added back on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have a subscription with Equifax, I currently pay {$17.00} per month to be able to pull the score and report. I actively pull the report and score because Equifax has caused serious issues with my report. In the past I have complained because they split my report into and it was XXXX to get it back together. When I complained about the report being split they blamed me, which is bizarre since it should be them controlling their software. So now I check my score and report often. Friday went to pull my report XXXX XXXX 2017.. it showed an error message. I repeatedly called and asked them to resolve the issue. First they started to blame me and said it was my fault I pulled my score too often. Yet that is the actual product they advertise. It stated pull your credit score and report daily. You 're supposed to get a daily update, if you choose to. If that was the problem why would you advertise that? Is my firm belief that they have some serious offer issues. And that perhaps they need is serious upgrade. I 've not been offered quick resolution, nor have they agreed to reimburse me for the almost week and I 've been able to use the service. Sadly with Equifax my score changes radically and constantly. I 'm in the middle of a mortgage process and that is unacceptable. I 've done my due diligence to clean my credit report from any discrepancies and to make sure that I have good credit habits. It is my right, to have FAIR reporting. Why does Equifax seem to have such a hard time doing their job? Every customer care person I speak to you seems to have a different story as to what the problem is and why it 's happening. Last person tryied to get me to upgrade my subscription! He wanted a credit card number, really?! It already is n't working why would I pay you more. I expect it fixed quickly and I expect a refund for the time when I was in able to use the product! I 'm not expecting a lot from this complaint because in the past you have n't done a thing. hopefully you actually demand some sort of response and accountability. I 'm disappointed, because like we do n't have anyone protecting us. Unless we become litigious. Which I prefer not to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2017 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: Their investigation did not fix an error on your report

Complaint: XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$1800.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$1200.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Opened XXXX XXXX, XXXX + {$1100.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX Offic Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX FL XXXX  Offic Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX CENTER FL The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have reached out to Navient many times over the years. They have never given me anything but heartache and hassle. I explained to them that I was barely making enough money to survive and therefore it made it very difficult to make the ridiculously high payments they were DEMANDING each month. They actually agreed with me that I could barely survive off of what I was making financially. So they told me they could " help '' me. They said I qualified for {$0.00} a month payments but that as a result, the interest I would 've been paying would now HAVE TO BE APPLIED TO MY PRINCIPLE BALANCE. I did n't really understand what this meant at the time. All I knew was that they were threatening to take me to court or garnish my wages or worse put me in jail! I was so scared I did n't know what to say or do! I did n't have the money to pay so I had no choice but to agree. Now my education that I initially borrowed UNDER {$100000.00} is going to cost me almost {$300000.00}!? and that 's just SO FAR! I am so sickened and disgusted by this. It makes me afraid. I know if I get a better job they will take the money they want and demand right off the top. At this rate I will never catch up or get ahead in life. This is beyond XXXX. College should n't cost so much, it 's not like I went to XXXX or XXXX! It 's ridiculous! I am surviving off credit cards and that 's only making my debt worse. I ca n't go on like this for long, I do n't know what to do ... Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I went to a Wells Fargo branch and added my fiance to my PMA checking account. Turns out bank employee added him to all my accounts and he received XXXX debit cards in the mail which we did not request. turns out the bank employee not only opened XXXX accounts in my fiance name, but she had XXXX debit card mailed to her at the branch and she even activated it and linked it to my savings account where i had over XXXX. I reported this discovery over the phone to wells fargo fraud dept and told them We never ordered the debit card and it was sent to an employee whom we do not know at the branch. I asked to file a fraud report on the employee and wanted a follow up call. The next day I went and spoke with VP of the XXXX branch and she said the debit card was reported lost, which is not the case. Employee fraud is happening and they are covering it up. I have no clue how many other cards are linked to my accounts and my fiance has no clue how many accounts are created in his name now and linked to other folks accounts. I asked them to transfer all my money to my credit union and she shewed me out of the branch saying " no, your money is safe, this was an accident. " .Employee was never fired and I got shewed out the door. Please help!

Company response to consumer: Closed
Consumer complaint received 03/24/2016 about Debt collection (Auto) with PNC Bank N.A. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting calls from someone claiming to be PNC bank. They call me then ask me to verify who I am to them with personal information. I traded my car into a dealership and I have called PNC and told them and they said OK great. But yet I still get harassing calls from their collections department.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Payday loan) with Clear Debt Solutions, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have begun to receive harassing phone calls from Credex Debt Recovery at work and at my cell phone. They are attempting to collect for an online loan with XXXX. I made a payment arrangement with them and they have not responded. The calls need to stop! although they are currently a licensed lender in California, they are not an honest company to deal with. I tried several times to work with them to pay off the loan without ACH from my account. I get an approval, then this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (DC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The law firm of Bronstein and Weiss have contacted my family members in an attempt to reach me to collect a debt. This has upset my family, and me, especially after they are trying to collect a debt that is more than five years old, and after being requested to submit any correspondence and contact information in writing.

Company response to consumer: Untimely response
Consumer complaint received 03/28/2016 about Debt collection (I do not know) with AllianceOne Recievables Management (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collector trying to take legal action over a debt that is not mine. XXXX is for a traffic citation in 2013 for a photo enforced camera. I was not driving the vehicle, and the original collector was notified of this. They have since assigned it to a debt collector who has not validated the debt when requested, and also is now threatening to garnish and wages. The second is for financial Aid, which is also invalid as I have an account for my federal student aid, that is up to date. It is ALLIANCE ONE

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XXXX, XXXX and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Their refusal to have the accounts removed has ruined my life and especially my credit. The XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: My former bank kept my bank account open by putting and taking money out of my account so they can keep charging me fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation