milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX, FL 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 XXXX XXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I went to college on and off for years which I paid for and my employer paid for. I did not get {$40000.00} in loans to pay for my education. For many years, my credit report has shown where others have used my social security number to get credit cards, take money from my checking account, order on my XXXX credit card, which leads me to know that this to is fraud. I do not owe XXXX {$55000.00} for student loans. This is id theft and someone other than myself profited from student loans that have been linked to my social security number. My mother, nor my sister, never signed any paperwork for me to consolidate student loans according to the paper work that XXXX has mailed to me. This is id theft and it has caused my credit score to decrease from a good credit score to a very negative credit score. Please remove this information from my credit report as it is not my debt. 

XXXX XXXX Police Report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  and yahoo data breach. State issued ID have been compromised and my social security has been compromised. 
I have filed a report with the FTC in regards to this negative misleading fraudulent information that needs to be removed immediately off my credit report. 
I am not responsible for any charges made to this account. 
I would like to request copies of any documentation, such as application and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.

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 12/16/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have had an account with American express and it was a charge card which I was not familiar with how it worked. They asked me for multiple payments of 10 % on the balance and they still charged the account off and it is impacting my credit score negatively along with them putting it into collections. I received a letter from American Express stating that if I paid off the balance I could receive another credit account with them. I am not interested in another account with American Express at this point in time. I would only like to pay the amount that is owed. I called and asked for help and no one at XXXX seemed to be remotely interested in helping me get the issue resolved. I was transferred multiple times and told that no one could assist me. I manage my credit responsibly and I have never had a late or delinquent payment. They did n't seem to want to work with me and I had to come here to seek help. I am willing to pay the entire balance and I have informed American Express of my intentions. The representatives on the phone that I spoke with most recently were very rude and unwilling to provide assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Called on  XXXX / XXXX /  XXXX   at approximately  XXXX   XXXX   PDT, and spoke to   XXXX  " on   XXXX   XXXX   XXXX   ''. He refused to submit a dispute regarding my address, which is listed incorrectly with Experian. He explained that even though there is  XXXX  creditor reporting my address incorrectly, Experian would not allow me to submit a dispute to correct my credit record.     Now this is a problem as I have a credit freeze tied to my account and an incorrect address will make it near impossible to update. The incorrect address is due to a divorce and my ex-wife 's address being incorrectly reported as my current address.

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 03/28/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I received a check from what i thought was to be my new job and deposited it before doing any work or spending the money i called USAA to verify everything was good to go since this was my very first job outside of the XXXX and had never dealt with payment from anyone else. The funds were available immediately and I asked the USAA representative if I needed to wait on anything else or is it that once the money is there it has been cleared The USAA representative let me know that everything was good to go and there was nothing further that would need to be done. This happened about a total of 4 times all to find out that i was being scammed and the only reason i found out is because i called and asked a question to USAA after that i have been given nothing but the run around with XXXX member being very understanding while she filed a second fraud alert for me she stated she did n't know why i was given false information and why they did n't check into it when i initially had inquired about the situation. She said the only notes on my account stated that I would be reliable regardless of it being a fraud/scam case because it was my account. She tried to get in contact with someone in management yet was not able to. Every time I call USAA i am given the run around leaving me with the burden of fixing what they failed to do. I am beyond frustrated and out of all my money. They do not seem to care one bit nor have they tried in anyway to resolve this issue. I was given checks from a closed account which were returned on XX/XX/XXXX. This is now a FBI investigation case because it is happening without the companies knowledge and outside of state lines. It is occurring in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I have been told by my legal assistant that usually the bank makes the customer whole but it is up to the bank. I feel that i banked with USAA not only because I am an XXXX but because as a bank i would think they would verify things that would keep my money and myself safe from such situations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: When I called Navient and inquired about the " Rate Reduction Program, '' supervisor XXXX whose employee code is XXXX, said, " We do not offer rate reduction program. '' When I told him that according to several websites ( NOT affiliated with Navient ) that educate students on how they can pay off their private student loans that Navient DOES offer rate reduction program, he said, " You do not quality for it. '' When I asked him why I do not quality for it, he said, " We do not disclose it. '' When I told him I want to know why I do not quality for it, he said, " We do not have to explain why. '' When I asked him, " What do you mean you do not have to explain why? I want to know why I do not quality for the rate reduction program as I am not able to make my monthly payments due to financial hardship? ", with an attitude, he said, " We do not have to disclose why. It 's at our discretion. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (CT).
Issue: Money was not available when promised

Complaint: I did an online money transfer with Western Union on Wednesday X/X/17 at XXXX XXXX. The amount was XXXX for the fee of XXXX. Total for transaction was XXXX. The transaction processed smoothly and a tracking number XXXX was issued. On Thursday morning the receiver went to a western union counter in Florida and she was told no such transaction existed in their system. I called Western Union and someone in XXXX told me they are authorized agents for Western Union and my bank was holding the money and I should ask the bank to release the funds. XXXX XXXX was very clear that the funds were sent from my account to Western Union. I called back Western Union and the man told me it is normal for all money transfers to be kept for several days. I was told there is nothing I can do or anyone else I can complain to. The funds would be available on X/X/2017. At no time during the online process did any indication of the money getting delayed appear as any type of notice. I asked to cancel the transaction so I can use another money transfer service and I was told I would get a refund of XXXX a minimum of seven days after XX/XX/XXXX. This entire experience smells like "bait and switch".

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (CA).
Issue: Struggling to pay mortgage

Complaint: After agent who worked mortgage / loan dept. in the XXXX CA branch of Citibank solicited me to increase an existing credit line of {$260000.00} to {$320000.00} ( 10 yr interest only note ) consummated on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I was notified of a loan modification approval by CitiMortage. I made 3 trial payments but did not sign and return the loan modification documents due to a question I had regarding the terms not aligning with what I was " told ''. I called and expressed my concerns to the executive response team member XXXX XXXX. Additionally I informed XXXX XXXX that the lien being held by CitiMortgage was in 3rd position on my property since XXXX XXXX due to no title search being performed by CitiMortgage at that time. I believed falsely that it was in CitiMortage 's interest to work with me to resolve this matter due to CitiMortgage 's position on my home being 3rd and not 2nd as they believed until I informed them. See complaint # XXXX In a letter from CitiMortgage dated XXXX XXXX, XXXX I was informed that I had been rejected for a loan modification due to the fact that CitiMortage was in 3rd position on my home. Furthermore however in the same letter it was stated that ; " Upon receiving your follow up inquiry regarding the modification documents, we were re-reviewed your request and required an updated title report before we could make a final decision in connection with your dispute. We found that your HELOC account is in third lien position, which automatically disqualifies you from qualifying for a FDIC second mortgage modification. The HELOC reset modifications allow third lien position accounts ; however, you do not meet the maximum guidelines for the modification.Therefore, we are officially declining your request for a modification ''. After all this effort and my misguided candor informing CitiMortgage of their factual position on my home after over 10 years instead of working with me further it is stated within CitiMortgage letter XXXX XXXX, XXXX " you do not meet that MAXIMUMguidelines for a 3rd position modification ''. CitiMortgage established their position on my house the last quarter of XXXX by not performing a title search prior to extending {$320000.00} HELOQ credit line on my home. IF they would have simply asked for the 3rd lien holder ( prior to XXXX XXXX, XXXX to subordinate it could have been accomplished in several days. Now the former 3rd lien holder is the 2nd lien holder and, post recession is fearful to return to his 3rd position believing CitiMortage intends on foreclosing on my house. CitiMortgage has retroactively charged me interest and principal beginning XXXX XXXX, XXXX. On XXXX XXXX I was forced to declare Chapter XXXX Bankruptcy. After 4 months unsecured debt will be discharged.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I went to the official free credit report site and tried to get reports from the three agencies because of the recent major breach of security. 

I tried several times ( going through all the rigmarole of entering my information correctly each time, and the captcha at the end ) but when I went to the XXXX and Experian websites, they both said they were loading but ended up with a blank page after they were done loading. 

I do n't know if the site is overloaded, but this is extremely poor performance, and the contractor responsible for of the site should be penalized for this failure.

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 10/21/2015 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: I 've had XXXX separate credit accounts with this company, ( XXXX paid off in full ). Unfortunately, this month has me in financial distress and consequently caused me to be a little late. 
As of today, 8 days late ... although, still within the 10 day grace period ( XXXX/XXXX/2015 ). 
Reason being late, is a result of periodic XXXX ( XXXX VA XXXX XXXX XXXX ). 
That being, this company has called me over 60 times in the past 7 days, ( all recorde via cell phone ) .Somedays they 've called 10 times in a 12 hour span. 
This is all after speaking with a Conns rep back XXXX 2015. 
I explained to him that XX/XX/XXXX payment would be a few weeks late. 
The saddest part is, As a XXXX Veteran ( XXXX XXXX ). I 'm already battling with many health issues and do n't need the extra stress from their excessive, harassing calls while in the hospital. 
This is only causing additional stress. 
Again, I 've used this company several times in the past 2+ years and have NEVER missed or been late on a payment. 
I can not help what 's happening this current month. 
My health takes precedent ... Hopefully they can understand this and back off with the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Debt collection (Auto debt) with CREDIT ACCEPTANCE CORPORATION (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: there is no contract

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 03/31/2017 about Bank account or service ((CD) Certificate of deposit) with POPULAR BANK (IL).
Issue: Making/receiving payments, sending money

Complaint: I have already issued a complaint # XXXX against Banco Popular but apparently I did n't make my complain clear. You will note on the highlighted sentences from Banco Popular 's response that they said my interest is compounded daily. But they pay the SAME interest of {$120.00} plus some cents monthly. Is that COMPOUNDED INTEREST? I have called numerous times to no avail. People say they 'll check into the issue and call me back, but I do n't hear from them. When I suggested they then return my money I was told the charge to do so would be {$1000.00}. Although a return of my money would be my first preference I suggested since they are paying no compounded interest they could send me what interest already has accrued and then monthly ach the interest since they are not compounding it.

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 03-09-2017 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Closing/Cancelling account

Complaint: The credit reporting bureaus are reporting my credit card accounts as fraud which is not the case. Therefore, my credit accounts are being closed in error. I contacted them about two months ago and I was supposed to hear back. To date, I have not received anything other than an affidavit for fraudulent transactions. It was not completed because this is not the case. All charges were authorized and made by me. Also, after updating my address, they keep sending correspondence to the old address which is where the above was mailed. I opened the account to establish and maintain a good credit history and because their incentives appealed to me. This account is valid and I 've made payments on it as agreed over a period of time, close to two ( 2 ) years. Now, that information is not reflected on my credit reports because it was deleted. I did not file a fraud complaint with any of my credit cards or the bureaus. However, I do have a fraud alert which requests to call my number to verify my identity before opening an account under my name. This was done initially when the account was opened and confirmed which is why the account was opened in the first place. I believe what may have prompted this was a change of address as I recently moved. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.

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 05-05-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Westlake Services, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: Multiple calls have been made to Westlake and their attorney  XXXX   XXXX  for information on the homeowners case to see if they post poned the sale due to the filed arbitration complaint and lis pendens. The rep  XXXX  at  Westlake  said they didnt have the previous TPA submitted and asked me to email it to her. She refused to let me conference in the homeowner who has been desperately trying to get an update on his foreclosure. The assigned attorney for Westlake refused to also give us or the client an update on the sale date. She said on the phone even if I get your TPA I will not provide you any information.     A QWR was submitted and the lender has failed to respond prior to the sale date of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: There was a total of XXXX accounts that where opened fraudulently through USAA, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. USAA refused to help me with this matter and claimed that I was responsible for the fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: www.navient.com XXXX15 called the XXXX but the recording could not help me and would not connect me to a representative because they could not understand why I wanted to talk to one so they said they would end the call. After calling a few times I scheduled a call back at XXXX XXXX. Then I got online and they could not take care of me there so I scheduled another callback at XXXX EST. The phone calls and the online program would not let me pay off a student loan. They offered to refinance and defer, but could not accept the payoff for my loan XXXX. If I selected payment on the computer or said payment to the recording it wanted me to make a monthly payment. I registered online and the computer today said they did not recognize my user id, but when I had them e-mail me the user id it was the same as I entered but it did not recognize me. I tried to reregister and it said I couldnt use that id. When I finally tried and tried to get into my account it said I could download a form they sent me, but I never received a scheduled call back. Since I could not re-register, I could not download the form they sent to me on their website. The jest of it is they do not want to accept a payment from me because they make a ton of money on the students. They had a little paragraph on the website telling that they would continue to charge interest if it came by post office mail, but they would not accept a payoff from me online or on the phone. XXXX XXXX XXXX

Company response to consumer: Closed with explanation