milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: URGENT - Mistake made on CFPB Complaint # XXXX, regarding NAME - - Please DISREGARD this part of the complaint for both TransUnion and XXXX. 

The rest of the complaint regarding " ACCOUNT CLOSED BY CUSTOMER '' remains a concern and may go forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Credit card) with CITIBANK, N.A. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been battling with XXXX and XXXX, XXXX XXXX XXXX for over a year regarding a debt that is not mine. I continue receiving letters from XXXX, XXXX XXXX XXXX regarding same debt although I 've submitted documents to XXXX, XXXX XXXX XXXX proving that I DO NOT OWE said debt. These guys went as far as having my XXXX XXXX account frozen last year and I thought the issue was resolved once I submitted my documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I am trying to get Equifax to provide my credit report. They sent me a confirmation number..XXXX however it will not open my account. Message is that the information I give does not match theirs. I have spent hours on the phone trying to reac a real live person. None exist at Equifax. Equifax does not have my current credit history. It stopped almost 10 years ago. They do not have credit card information, bank information or charge account information. 
They are a corrupt incompetent agency!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Challenge questions on factXXXXequifax.com to receive XXXX report were answered correctly by me. Challenge failed. Conclusion : Equifax has incorrect information on file. Calling to complain, I was sent to XXXX different phone numbers. None of the agents understood or solved my problem. They simply sent me to another number. 

The final agent sent me to a number that started the whole request process over again. 

Bottom line : Equifax 's challenge question answers are WRONG and there is no one who will correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: In XXXX I used a service to work with PHEAA to rehabilitate my loans after my consolidation application was in they canceled it and began garnishing my wages after refusing to deal with the service I employed. I work shift work and a lot of extra hours, my phone is prohibited at work and my hearing isnt all that great to begin with thus I contracted with the service. After the garnishment I spoke with PHEAA several times until they finally told me to pay a nominal payment and they would take my loan out of default so I could apply for consolidation. Every time I went to apply the site said my loan application was with PHEAA and I needed to contact them. I did so several times and was repeatedly and rudely informed that it was a government website that had nothing to do with them. Finally I managed to reach a person with the website and was able to submit my application within days of the deadline I also informed PHEAA of what was happening. In the meantime they pushed me back into default as the fed loan ppl delayed my app for me to file an income based repayment request ( that I do not need or want! ) now I PHEAA has changed more fees and again reported to the credit bureaus. How can I get my loan out of default when they make more money forcing me back into default? I need help! I can not loose my job in the process of trying to communicate with the thugs they have employed to deal with debtors like me. I want to pay my loans and put this behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (VA mortgage) with CARDINAL FINANCIAL COMPANY (NV).
Issue: Closing on a mortgage

Complaint: In mid XXXX XXXX, I initiated a re-finance of my home mortgage through my then current mortgage company, Cardinal Financial. On XXXX/XXXX/XXXX, I paid {$600.00} to Cardinal ( over the phone ) using my XXXX XXXX XXXX card for an appraisal. 
On XXXX/XXXX/XXXX I emailed the contact at Cardinal Financial ( XXXX XXXX ) and informed him I was canceling the process and requested a refund of my {$600.00} appraisal fee. He responded to the email acknowledging receipt. 
Also on XXXX/XXXX/XXXX I began the re-finance process with XXXX XXXX XXXX. I paid them an additional {$600.00} appraisal fee. 
On XXXX, I received a call from an appraiser ( XXXX XXXX ) to schedule an appointment for the appraisal. He came on the morning of! XXXX/XXXX/XXXX. I contacted him at the curb on arrival and it occurred to me to ask him to confirm that he was there for XXXX XXXX XXXX. He said he was there for Cardinal Financial. I explained I had decided to switch mortgage companies and canceled Cardinal three days earlier. I asked if the appraisal could be used by the new mortgage company as both re-finance applications were VA. He said no, so I canceled. The same appraiser called me two days later and re-scheduled the appraisal on behalf of XXXX XXXX XXXX and subsequently completed the appraisal. 
After several email and phone conversations with XXXX XXXX of Cardinal Financial inquiring about my refund I was referred to the VA. I spoke twice with XXXX XXXX at the VA. He said I had paid the fee to Cardinal Financial, not the VA. The VA does n't receive or handle the appraisal fee and Cardinal Financial was responsible for the refund. 
On XXXX/XXXX/XXXX I again spoke with XXXX XXXX and demanded my refund. He said he would refer my request to the proper person at Cardinal. I followed up with an email synopsis to XXXX XXXX. 
As of XXXX/XXXX/XXXX subsequent phone calls have not been returned and there has been no response to my email. I have not received the {$600.00} refund.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX tells me I owe {$620.00} over 8 billing cycles ending XXXX/XXXX/2012. They have no evidence that I ever asked for their services, I signed no contract and I do not owe them. This is my residence in XXXX, but I live in XXXX. I offered to pay {$50.00} to settle with them, and they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I sent a letter to XXXX XXXX and Equifax stating that the XXXX XXXX credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which XXXX XXXX is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Adverse Accounts all have last payment and or activity date of XX/XX/XXXX therefore should have been removed as of XX/XX/XXXX. Trans Union refuses to act as a neutral party and instead is acting as a representative of Creditors by refusing to request that creditor provide documentation to support their claims during an investigative dispute all while expecting the consumer to do so. Trans Union refuses to remove accounts which are seven years past first delinquency because creditor disagrees with my dispute while providing no documentation to support their claim. The last activity and or payment dates are were XX/XX/XXXX. According to Trans Union 's website stating the following : " Collection accounts : seven years after the first delinquency Late payments : seven years from the first late payment, even if you 've caught up and the account is current or closed '' Adverse Accounts are as follows : XXXX Date of last payment/activity incorrect for all above account should be XX/XX/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 non-monetary relief
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: To CFPB Case Manager, I have applied to refinance my mortgage with NationStar Mortgage, In early XXXX. I have supplied NationStar Mortgage with all of the necessary documentation to qualify for a refinance. NationStar mortgage has proceeded to put my house in a Foreclosure status, even after I propagated all of the necessary documents, which view that I meet their standards to refinance the property, i.e., XXXX XXXX XXXX, XXXX, MD XXXX. NationStar are breaking all of the government regulations, which protect consumers from large entities such as they, who take advantage of the elder and consumers. I would like to keep my house, which my XXXX adolescence children currently reside.
NationStar has proceeded to Foreclosure on the property, which I purchased on XX/XX/XXXX. As a consumer I know that NationStar are discriminating against I. I would be more than gracious if the CFPB would assist me and keeping my house, which I and my XXXX  adolescence children currently reside. I believe that I 'm experiencing, i.e., Red-Lining from NationStar Mortgage.
Mortgage # XXXX Property : XXXX XXXX XXXX, XXXX, MD XXXX  Thank You, XXXX XXXX XXXX ( Mobile ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with BC SERVICES, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Citibank credit card MasterCard charge d me penalty interest rate for the period  XXXX    XXXX   to present. This was apparently because the minimum payment was late. The interest penalty rate was 30.00 %. Additionally late fee was charged. This penalty rate continued indefinitely despite all payments since   XXXX    XXXX  being on time. There was no intimations or notice of account being charged penalty rate.

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 03/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: In setting up a fraud recovery plan with the FTC XXXX of the steps is to request a free credit report. I did this at XXXX. After filling in the required information, I requested the free report. A message was displayed that a free report had been issued on XXXX XXXX, 2016. I did not request that report on XXXX XXXX, 2016 or on any date in the past. My complaint is that I did not request this report but it was given to someone using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Calvary, SPV aka Calvary/Portfolio SPV is attempting to sue me through the Law Offices XXXX XXXX XXXX XXXX XXXX XXXX for a debt of XXXX. This account was closed and part of a class action lawsuits against XXXX ; also Calvary/Portfolio is also the defendant in a class-action lawsuit that I am privy to. I have letters and post card proving that I do not owe the account, as the account was closed per me, noted by XXXX Also class action lawsuit settlement. Their information against me also included a false affidavit. I contacted the County Court with this information, and sent certified letter to XXXX XXXX XXXX XXXX XXXX as of XXXX/XXXX/2017. However, Calvary has resubmitted items on my credit report dated XXXX/XXXX/2017, stating the balance still and that I am disputing it. It is still entered on my report as a debt. No information has yet to be sent to me or reply to the court regarding my answer on their potential judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied the Wells Fargo Cash Wise Visa Credit Card - Reference Number : XXXX. However, I got denied with the following reason : " Social Security Number provided ca n't be verified. I spoke to Wells Fargo Cash Wise Visa Credit Card customer service and told them that I faxed the copy of my Social Security, however they said they did n't receive, then I faxed again, then I checked to status of the application, it changes from " declined '' to " pending ''. After that I made a copy of my social security card and send ( post office mail ) with the enclosed envelop from Wells Fargo Cash Wise Visa Credit Card sending to me to ask me to provide them the copy of my social security card. Moreover, I am currently the customer of Wells Fargo Mortgage ( Please see attachment ). I do n't know why my social security number ca n't be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Student loan (Private student loan) with SLM CORPORATION (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Around 2013, I decided to go back to school. I applied for a private loan, and the loans total about {$60000.00}. After graduation, I had to take work as a substitute teacher as I could not find full-time employment. 

I called the company and asked for forebearance, which they granted for one month only. The fee for forebearance was # {$100.00} per loan. {$200.00} to keep it in forebearance for one month. 

I called to lower payments, but it was not working. They said they do n't do forebearance for a year, but it says on their website that it is for 12 months. That is all I ask. One year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WI).
Issue: Shopping for a loan or lease

Complaint: I was quoted an APR of 3.44 % for an auto loan on a vehicle that is between 2 an 7 years old on XXXX XXXX 2017.. The quote was given to me over the phone on a recorded line. When I called to complete the loan I was told that the APR had changed to 4.11 %. I was told on the XXXX XXXX call that the APR was good for 45 days. I was transferred to a supervisor XXXX employee number XXXX. XXXX was asked to review the call from XXXX XXXX and meet the quote that was given. XXXX stated that all calls are not recorded which is not true. Calls that give APR are required to be recorded. After being disconnected several times I reached XXXX who states she was the assistant to the CEO. XXXX took my complaint and stated that the bank would be calling me by the close of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Medical debt) with Armor Systems Corporation (IL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I received a bill statement for a debt by a  XXXX  party company. I requested debt verification from the debt collection agency, they have reported this debt to all the collection agencies. I received a verification of debt with my medical records number, itemized charges and procedures that were done. I believe this info has violated the   XXXX   XXXX  , I did n't give permission for my info to be released to any  XXXX  party agency. I did n't give anyone permission to release my medical info to anyone besides the attending  XXXX  for treatment of service

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (FHA mortgage) with HANNA HOLDINGS INC (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Howard Hanna mo rtgage wanted me to close  XXXX  credit cards and pay them in full at  XXXX  bank and give proof that it occurred. They did n't specify how the proof was needed.   XXXX   credit cards were paid in full and closed prior to closing however the mortgage company then further detailed that the credit card company had to email me a letter stating that this occurred. That was against the guidelines of the card company. They would only send a letter which could take weeks that stated that the account was closed. I pleaded with them but they would not budge. They did agree to verbally explain that they were paid and closed but the mortgage company would not allow that to happen. I 've tried to explain that they are requiring me to provide something that can not be provided. I now worry that the loan will not close because of this and I wo n't get the house.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (UT).
Issue: Problems caused by my funds being low

Complaint: Chase Bank and Their Crooked Overdraft Policy The gov't should put a limit on the amount of overdraft fees able to be take a year by banks. They make policies that you can only get XXXX reversed a year. That is blatant robbery. They can take as many a year as they want but I cant appeal for any fees back? First of all, they are XXXX bucks ... XXXX? thats too much! Every time i know i may be over for the month, I move funds around to make it work. Chase bank could clearly see that I was moving funds from account to account and they still XXXX me. All their commercials are lies, they are n't gon na do XXXX to help you.. enjoy my extra XXXX bucks XXXX. Meanwhile, my skinny & poor college student XXXX wont eat this weekend. 

Regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Service Finance Holdings, LLC (FL).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: On XX/XX/XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX an authorized service provider with XXXX XXXX XXXX XXXX XXXX came to our home. My wife XXXX and I listened to him for about an hour explain how he could get us on the Grid to eliminate our electric bill and maybe even get a refund at the end of the year. We were so excited about eliminating a monthly bill and helping the environment we signed the 2 purchase agreements ; one for {$11000.00} and the other for {$7500.00} ( XXXX XXXX said this was necessary to get the tax credit of {$5600.00} on our XXXX return ). Work proceeded and the system was live with our electric company ( XXXX ) on XX/XX/XXXX. Our XXXX bill came and we saw no credit and I called XXXX and was told that some electric companies delay the credit for one month due to accounting. Our XXXX bill came and only reflected a savings of {$60.00} from last XXXX or 21 %. Again I called XXXX and they sent a tech to my to verify the system was working and found it was working. Many calls XXXX management and no answers or resolution. I have now received my XXXX bill and it shows only a savings of {$13.00} from last year or 5 %. I have filed complaints with other agencies and am looking for financial relief with the finance companies in this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation