milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I requested a copy of all 3 of my credit reports from XXXX XXXX XXXX. I reviewed my reports and Equifax did not have any inquires on my report. I recently have been trying to fix my reports and get a better understanding of them. I pulled my reports again each month after that and inquires reappeared on my account without Equifax contacting me. by law my legal rights and legal protections and that they failed to notify me in writing 5 days prior to re-adding the inquiries to your report that they were intending to do so. I Demanded that all of the inquiries be deleted for this reason and this reason alone be removed from my Equifax report. Today is XXXX and i have been disputing the same issue with them. I spoke spoke with the Rep and have is information is needed. I also have the CR that I pulled in XXXX and my current CR. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have put in disputes through the credit bureau, as well as, sent validation letters to XXXX Collections. This is a false debt that the company is trying to collect on. I did not recieve any response from XXXX Collections in response to the validate or delete letter I have sent. I have also have not received sufficient evidence from the credit bureau that they indeed had the creditor themselves validate or delete the false account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (AP).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After fighting this twice already with another collection agencies ( XXXX XXXX and XXXX XXXX XXXX ) and the originator ( XXXX ). And threatening legal action against all for falsely pursing me, along with ignoring my proof that it was n't my debt. It stopped both times ... now again, after six months, another debt collecting agency is reporting the same debt on my credit report ( AARGON Collection Agen ). 

XXXX XXXX ... I departed XXXX, Colorado on MILITARY orders for XXXX Prior to my departure I removed my name from the account according to the customer service representative who assist myself and my ex-wife in their local office. 
XXXX XXXX ... I noticed the collection account on my credit report ... and through military legal assistance, this web site, they finally removed the collection account. Part of the processes I went through was submitting signed letters to cease and desist any and all future contact/collection attempts. along with proof of my departure and my new utilites/staements in korea. As it is documented here, that did n't happen immediately, and is now continuing. 
EVEN IF THEY ca n't find records of me removing my name from the account ... .. XXXX went into a completely SEPARATE agreement with my ex-wife that had NOTHING to do with the " normal '' operation of the utilities. I found this out after the fact ( trying to figure out how it was even allowed to reach the extremely high amount it reached, they normally shut it off for non payment after XXXX missed months ). While I was XXXX to XXXX, the ex-wife contacted them ( when they turned off the utilities after she quit paying them ). YES, she paid them at the beginning from her INDIVIDUAL account. She then had to submit a packet showing her INDIVIDUAL income along with a letter of reason for an extension to keep the utilities turned on. EVEN in the letter she states that we were no longer together and her income was minimal. SO she was awarded the extension based upon HER INCOME AND LETTER! ... .. 
Now they are illegally pursuing me ( according my my legal office ) since I can prove my departure on military orders, along with them going into a separate agreement with her on her own.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: Initially the loan was refinanced with wamu and the loan amount as of XXXX/XXXX/XXXX {>= $1,000,000} and this what was recorded. It was 4 % fixed and mortgage payment of {$4600.00} each month. Payment made on time from XXXX XXXX to XXXX. Chase bank purchased wamu and the loan converted to chase bank. I was paying same amount {$4600.00}. During this time I was applying for loan modification with chase processing. Chase offered 3 months trial payment for the total {$6000.00} starting XXXX/XXXX/XXXX for 3 months. Therefore the payments will be put into a separate account before a permanent modification. I paid each month {$6000.00} from XXXX to XXXX. In the month of XXXX XXXX chase offered permanent loan modification with the following terms new principal balance XXXX XXXX bearing interest balloon payment. There was no option for me to renegotiate the agreement or argue it with chase under writer conditions and I will be forced to foreclose on the property. I did not but I do believe this is unfair financial consumer protection issues. Chase unable to provide me with the details why did the loan amount from XXXX went up to XXXX And I have to pay XXXX for the bearing interest balance. 
Here is the breakdown of the original loan amount. 
As of XXXX/XXXX/XXXX the loan was refinanced by WAMU bank for 30 year fixed at XXXX. I paid every month payment agreed {$4600.00}. Chase offered trial payment XXXX payment of XXXX per month. I paid on time up till XXXX. XXXX Chase offered permanent loan modification but the amount on the loan document did not match the original loan balance XXXX minus the payments that was paid from XXXX, XXXX, XXXX, XXXX, and for XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. Therefore I was not able to discuss the outcome and forced if not signed I loose the home.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: My lender automatically compounds the interest on my loan daily while only offering a facility to pay semi-monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Credit card) with M&S Recovery Solutions (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Repeated calls to a number that is not mine, and I have asked them to remove the number from the file. I offered a different number that they could call daily if needed. This company rep stated on voice mails that " A file with your social security number attached is in our office. If you do not contact us you will no longer be allowed to use your bank. '' Also they threatened legal action. When I mentioned that I was going to file a complaint, they said they would no longer give me any written documentation and that they would see me in court. I offered to make a payment plan, but was told that would cost an additional {$5.00} in " processing fees '' per month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: America Express reported me to the credit card agencies with no real explanation AND then said I was in good standing. I have very good credit. I tried calling over XXXX times and faxing letters and NO help whatsoever. It appears on my credit report as a negative. The laws need to be changed. If I paid for 10 years perfect and owe them nothing so that would 99.9 % that my account was paid and they have ruined it 100 % by making a false statement. The statue of limitations has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Due to an entry-level income after finishing college, I was unable to meet my steep $ XXXX student loan payments monthly. Navient, my student loan provider, recommended forbearance and told me I was ineligible for any form of income-based repayment over and over again. As a result, over the past 4 years, I have seen my XXXX student loans totaling {$42000.00} collect {$12000.00} in capitalized interest. I was told this was my only choice to keep my account current and in " good standing. '' I was never given any other options, short of failing to make payments altogether and destroying my credit in the process. 

It was n't until I learned that Navient was under investigation and started looking closer into my statements that I realized this had taken place. I have made regular payments, and yet my combined principles have risen to approximately {$55000.00}. 

I studied overseas, so my school is not in the drop-down menu below. I earned my XXXX from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Sam 's Club is charging me for a bed I did not receive, it was ordered and cancelled before the order was shipped. They will not remove the charge.

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 monetary relief
Consumer complaint received 04/24/2017 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: Their investigation did not fix an error on your report

Complaint: On Monday   XXXX   XXXX   XXXX    , around  XXXX  Central Time, I called Equifax to request the removal of all dispute comments on my Consumer Report. In addition to this request, I also wanted to inquire about having a certain account removed from my report as well. After speaking to both   XXXX   and   XXXX   last week, it was brought to my attention by their customer service teams that this account met " certain criteria '' for immediate removal from my report, and they went ahead and removed it. The customer service member with Equifax told me that they could not remove this account and that it would be scheduled to be removed in   XXXX   XXXX    . I explained that both   XXXX   and  XXXX  said the account met " certain criteria  '' ( which they did n't specify to me ), a nd were able to remove it. However, the  Equifax CS r ep just kept repeating the scheduled removal date with no further investigation on her part. I asked her to transfer me to  a Supervisor, which  she did. I, again, explained the situation to the Equifa x CS Supervisor, and she proceeded to repeat the same scheduled removal date as the CS rep. She then stated that she apologized if the " other  XXXX  bu reaus '' were able to remove the account but that Equifax does not do early removals.     My biggest issue here is that I was n't necessarily just asking for an " early removal '' of an item for the sake of having it removed. I was asking for her to review the account and see if it met any criteria at Equifax that would prompt the immediate removal of the account. This could be due to an error in the way the item was reported, an error in the information provided by the creditor to Equifax, or some other Equifax specific ( unknown to a consumer like me ) qualification for removal ... however, no one there seemed to understand this, nor seemed to want to even check their sources. They just wanted to tell me, " No. '' It makes NO sense that  XXXX  of the  XXXX  major bureaus could remove this account, but Equifax can not. This is gross negligent handling of my personal credit profile and they are holding my credit sco re hostage by pu rposefully not removing an account that should no longer be visible on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi there, it really frustrates me that the credit bureaus report information on our creditbut they are unwilling to take responsibility and accountability for theiractions. I just called Experian and spoke with a rep named XXXX atXXXX. I am a victim of Id theft. Originally Experian list XXXX different socialsecurity numbers on my credit, addresses and a host of collection accounts. 
They ( Experian ) had XXXX collection accounts from a company calledXXXX XXXX XXXX XXXX on my credit. I supplied them with a valid police reportand the accounts were removed then a totally different account from this company appeared witha new account number. I have tried to have the fraudulent/unknownaccount removed and I felt as if I was being ignored so I called and spoke toXXXX today. I am not sure where they found XXXX or what type of trainingshe has but she seems to be very incompetent. 
She advised me that Experian just stores information on our credit and is not responsible for the information being reported the creditor is. She further advised me thatthe original creditor advised Experian to keep the fraudulent account on mycredit. I asked XXXX to provide me with the information of the person orpersons that they spoke to at XXXX XXXX. She said she did not have thatinformation. She said that the information on my credit is being reportedcorrectly. I asked her if that was the case why were there still incorrectspellings of my name on my credit. She said oh those spellings havebeen on your credit since 2007!!! 
She also told me that the fax number I used has not worked in over 2years when that is the same number I used to send over my informationthat she said they had received in XXXX!!! 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: I have decided to file a complaint through the Consumer Financial Protection Bureau after I was assigned a regulatory complaint servicing specialist through Bank of America. XXXX XXXX, the specialist assured me she would get to the bottom of the situation and resolve it quickly. The deadline for her response has passed and her number is no longer in service. 

It all started with the worst banking experience I have ever had. XXXX phone call lead to my account being closed without my permission and my credit slashed. 

I called to inquire about a balance transfer to a card that I have had a zero balance since XXXX. Do to some issues with my account, card services was unable to assist me so they transferred me to a credit analyst XXXX XXXX XXXX XXXX. I explained to XXXX what I was looking for and he said he would see what he could do. He asked me tons of questions regarding financial hardship, income, where I live, how I was able to make such large payments, etc. After all that he said he was unable to offer me anything but to keep an eye out. I told him that I was recently offered an offer which just expired, and he assured me he could n't reinstate it. I expressed to him that I have been receiving offers from other banks and did n't see the need to keep this account open if BofA could n't help me out. He said he would close the account, I interrupted him and said " do not do anything to my account till I speak to your manager ''. 

I was transferred to XXXX XXXX. XXXX was nice and wanted to know what was going on. I explained to him and he said to hold and he 'd check it out. Note : this entire time I 'm hoping for an offer or at least an option for a balance transfer. 

XXXX comes back saying that after further review the Bank Americard Visa XXXX ( XXXX XXXX is closed and that my {$10000.00} credit limit on the BankAmericard Cash Rewards Visa XXXX was reduced to {$2900.00}. Shocked I asked him why my account was closed when XXXX said I did n't have any offers but to keep an eye out? XXXX responded with " well you closed the account ''. I told him that I instructed XXXX to not do anything to my account until I spoke to his supervisor. XXXX could sense the misunderstanding but said there was nothing he could do. 

I called Bank Of America because I wanted to see if they could help me. I started banking with them when I was XXXX, a freshman in college. I have been loyal ever since. When I called I was hoping for some guidance, maybe not the answer I wanted, but at least some guidance. But the answer I got was completely different. I 'm modified at what happened and really upset over the outcome.

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 11/28/2016 about Mortgage (FHA mortgage) with Alabama Housing Finance Authority (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage was originated by XXXX Bank with a second mortgage down payment assistance bond through the XXXX. The first payment on my loan was due on XXXX/XXXX/16. I have made my payments from XXXX/XXXX/16 through XXXX/XXXX/16 to XXXX as that is the company I believed owned my loan. I am now receiving statements and late notices from a company named XXXX who state they now service and own my loan on behalf of the XXXX. 
I have spoken with both XXXX and XXXX in regards to my problem and they both state that they still own the loan and the servicing rights. Both companies are also reporting my home loan on my credit report. XXXX is reporting me as current and XXXX is reporting me as delinquent. 
I would like to file a complaint to help resolve the true issue of who owns my loan at this time and who I should be making my payments too. I would also like for my credit reporting to be corrected to assure that my mortgage only shows XXXX time and that it reflects that I am current on all of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Due to the limited response to information in response to a complaint filed by me in regards to XXXX XXXX, I realize that I need to identify misleading and deceitful information on behalf of Navient as well. Both companies have provided contradictory information between one another 's customer service representatives and within their own companies. The emotion strain piled on the financial strain has caused such stress on my marriage that trial separation has happened. With detriment to my credit and amassed debt, it hindered my ability to purchase a home with my husband, who has no debt from student loans, and has limited my ability to enhance my professional career through further education. As an educator of students primarily from low income homes, I find it disheartening and deceitful for me to encourage them to further their educational journey, knowing the trauma it has caused in my life. Anxiety caused by the drama experienced when working with these companies and the time consumed in attempting to get results ( accurate or consistent I nformation is all I hope for, guidance seems impossible ) has caused grief for all myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a re-modification for 3 yrs now. The mortgage company continue to ask for the same documents over and over again for the re-modification which has prolonged this process now for about 7 more months. During this re-modification process I had a house fire XXXX/XXXX/XXXX and now the mortgage company SPS XXXX Select Portfolio Servicing Inc ) has a hold on the funds provided by the insurance company to pay for the repairs. All moneys had been sent to me, I endorsed the checks and forward them to SPS for repairs now they wo n't let the contractor draw the funds to do the repairs. I have a deadline for my temporary housing paid for by the insurance company of XXXX/XXXX/XXXX. Loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Checking or savings account (Checking account) with COMMERCE BANK (MO).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Commerce Bank,   XXXX   XXXX  ,  XXXX   XXXX .     I originally signed up for an account that had no fees for simply having the account. Turns out they at some point switched this account to a different type without my consent. I have been getting charged {$8.00} per month for quite some time.     When I went to address the problem, I was told by the representative  XXXX  (  XXXX   ), a nd then by the branch manager,  XXXX   XXXX , that I should have been paying attention to my statements. My contention was why should I have to when I trusted  Commerce  to abide by our original account type.      XXXX  refunded 3 months,  XXXX  another 3 months, but they would not do anything further to help, and insisted this was not their doing, but my oversight in not keeping an eye on my account.     This, to me is a blatant bait and switch tactic designed to take advantage of just such scenarios. I did not consent to having my account type switched. I signed up for a student, free account, and have in fact been a student until  XXXX    XXXX  . I have had numerous conversations with Commerce reps over the years and not once have any of them admitted to or notified me of the fees, even when I brought up the free account type.

Company response to consumer: Closed with explanation