milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company irresponsibillty put XXXX rates on my credit report. The credit bureau received all the information needed to remove this information from my report. I never was late. This has been a consistent problem

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 07/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have private loans with Navient. One of my loans has a co-signer, the total balance is {$37000.00}. On XX/XX/XXXX I applied to release my cosigner as I have made 12 consecutive on time payments based on principal and interest ( which is stated on the website in order to apply for release ). Originally they denied the request as my account history shows 3 late fees, which was a mistake on the billing department since I have been on autopay for over a year. On XX/XX/XXXX I was charged the first late fee of {$8.00}, the second late fee was charged on XX/XX/XXXX for {$3.00}. These two late fees were reversed on XX/XX/XXXX and {$12.00} was credited to my account. My account was never late but for some reason there system shows my account associated with late fees. I had several phone conversations with the cosigner release department to explain this and there was nothing they could do to my account and kept shuffling me around to other departments. The second refusal to deny my cosigner release, was due to the fact that they reduced my interest rate to 1 %. When I had called back in XX/XX/XXXX, I had several phone conversations that were recorded by Navient, explaining the rate reduction program and that after making 12 consecutive payments I could have my cosigner released. I spoke with XXXX, the supervisor, in the cosigner release department and showed her my account history which shows I have been making 12 consecutive on time, principal and interest payments. I was never explained to on the phone by reducing my rate that this would effect the cosigner release. XXXX then said she would research and listen to the recorded calls. It took her a few weeks in XXXX and when she got back to me said they could not find the calls. She asked me to email her and she would push it through. on XX/XX/XXXX, I sent an email stating what had happened. I then received a letter in XXXX for the denial, based on not making 12 consecutive on time principal and interest payments on the original interest and a forbearance on another account I have. Neither was explained to us at the time on the recorded calls, which they say they can not find, although they have record of our calls. I have spoken to Navient several times since and they still say they are researching and continue to shuffle my case through the system with no resolution regarding the late fees noted on the account and release of my cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (NC).
Issue: Problem when making payments

Complaint: I requested a loan of {$300.00} and the originating process went smoothly. Funds were granted immediately. The loan was requested on XXXX XXXX, XXXX, however, per my agreement, it was effective as of XXXX XXXX, XXXX. Additionally, the agreement states that the offer may be rescinded on the 2nd business day following the effective date, which is XXXX XXXX, XXXX. I called the company at XXXX eastern time and spoke with 3 representatives to request payoff initially. The individual said she could not do a payoff date of XXXX XXXX, XXXX, only the following date of XXXX XXXX, XXXX. Therefore, the finance charges would go from {$11.00} to roughly {$28.00} to {$29.00}, when opting to pay via ACH. I said this was unacceptable ; however, she indicated that I could pay today with my debit card but had to be transferred and connected me for support. I spoke with a new individual who proceeded to inform me that a debit card could not be taken prior to my first payment. At this time I asked to speak with a supervisor and was connected to XXXX ( id # XXXX ) located in the XXXX. She claimed that I could in fact rescind my offer of {$300.00} via ACH with no finance charges ; however, she stated that I agree over a recording. She stated the wrong payment date of XXXX XXXX, XXXX, and did not state the amount. I corrected her and she supppsedly processed the transaction but stated it would reflect on XXXX XXXX XXXX. I then requested a confirmation number, she said she could not provide one. She stated an email request could be sent to her support area to request email confirmation, but did not say when I 'd receive the payment confirmation of {$300.00} to principal. This company appears to be in violation of UDAAP and I did the right thing of paying my loan off early and in full. I attempted to get a supervisor and the claim was their information could not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (VA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Hello, My complaint is against XXXX when I tried to apply for an XXXX XXXX  XXXX Credit Card. 

I had previously applied for this card a couple of months ago and was not approved due to high balances and to many credit cards etc. 

I called them on XX/XX/XXXX to see about having them rerun my application since I had recently paid off my credit cards. When I was on the phone I was asked a lot of questions that I was more than happy to answer for the agent. I had informed the agent that I should be approved now since my cards were paid off and that I had a FICO score off XXXX. The agent informed me that indeed it look like my credit was getting better and I had a high FICO. However, at this time she was not able to issue me a new credit card. 
At this time, I was really upset since I told her that her company sent me the offer to apply for the credit card in the first place. I really feel the only reason I didnt get this card was because of my last name of XXXX. 

I normally wont waste my time on this issue however, this is just not right at this time. 
I am attaching the decline letter that also shows my FICO score of XXXX. 

Thank You, XXXX 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 09-08-2016 about Debt collection (I do not know) with IMPERIAL CREDIT SYSTEMS, INC. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They left a voicemail not saying what the issue was however stating my name and they were going to show up at my workplace or home. The person who left the vm left the name of XXXX XXXX. I called back they said the company name of Imperial and the mans name was XXXX XXXX. When I said that the practices were not legal he hung up immediately.

Company response to consumer: Untimely response
Consumer complaint received 01/14/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX is reporting a credit card account as being a charge off and it was included in my bankruptcy as shown on my experian report.No account can be charged off past the filing date by federal law according to the FTC.To report past the filing date is a violation of my stay and my confirmation that binds creditor and consumer at the time of filing.Also XXXX XXXX is reporting my bankruptcy date as XXXX and as a charge off in XXXX which is totally incorrect.My bankruptcy filing is clearly shown on my Experian report as XX/XX/XXXX.They also filed as a creditor for payment from any proceeds and were electronically notified by the court. I previously disputed and Experian investigated and verified this false reporting and did not remove or correct it.The FCRA says i am entitled to a fair and accurate report and investigation if i dispute.How thorough an investigation could have been done if Experian can not verify information shown clearly on their own report.I accessed my free report from XXXX and viewed it 2 times and printed it. I tried to access it again and Experian said i had accessed it to many times, and asked me again to send them forms of identification with any disputes.I previously on XXXX XXXX sent them the following by certified mail and was signed for by XXXX XXXX XXXX, copy of my D.L., copy of my utility bill and my bankruptcy schedules.So what next do i have to send a blood sample too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid this tax lien in 2014 and it is still is on my credit report. It started with an over payment from employment department, which was paid back by taking part of my tax return. My bankruptcy attorney told me this. I have called on this but keep getting the run around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Account opening, closing, or management

Complaint: Case number : XXXX I do not have any response to this case from the Chase Bank, they are ignoring me! 
I demand from them full refund for all stolen money from my accounts, plus the new robbery, plus XXXX % fee. 
If I will receive my money back, or not I will write complaint to the F.B. I. and ask them for Initiation of investigation regarding this crime. 

Employees in any bank are doing mistakes, doing problems to custumers and no one is responsibile for that and are not punished. 
One of problems which they did for me XX/XX/2014. 
I wanted to change my company name. Lady in XXXX Chase bank copied my documents and said, that I will receive new banking card with new business name for about one week. I received new card, however still was old company name on the card. 
I drove to the bank and the lady called to the people. She said, that new card I will receive within about one week. 

I received new card, but again, still was old business name on the card. She again called to the people and complained this problem. 
After about week I received new card, but this time was the new business name. 

Yes, three times I traveled to Chase bank regarding this easy thing. Will pay me bank for lost time and nerves? I heard sorry, bot who can buy something for a sorry?

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2015 about Debt collection (Medical) with MiraMed Revenue Group LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a medical bill from hospital known as XXXX ( XXXX ) account number XXXX. I been making my payment accordingly. 
The balance I have to pay to the hospital is remaining only $ XXXX to my surprise I noticed that a dept collection agency know as MIRAMED REVENUE GROUP is placing same account under collection in the amount of {$160.00} while I am still making payment to the original creditor XXXX ( XXXX ) I attached copies of the payments made to the original creditorI am requesting that MIRAMED REVENUE GROUP remove the false statement they noted on my credit reports XXXX -- XXXX -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft XXXX XXXX An account with XXXX XXXX was opened 3 days after we filed a report, but I was not notified of anything until a collection agency contacted me in XXXX XXXX. I called XXXX and was told they would take care of it. XXXX XXXX a XXXX collection agency contacted me. I again contacted XXXX and sent the information they requested by e-mail and received an e-mail in reply XXXX/XXXX/XXXX I received no further contact until XXXX/XXXX/XXXX when a XXXX collection agency contacted me. When I asked XXXX why the debt collection notification was the first I knew about the account they told me the original address was in XXXX XXXX XXXX. I live in XXXX. They could n't tell me how they then got my correct address. My husband and I have done everything to ensure that the identity theft was reported correctly and I know the FTC was notified also. I do n't understand why XXXX thinks that we will pay this bill.

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 01-11-2017 about Credit reporting () with ALLY FINANCIAL INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've asked this company several times to remove themselves from my Credit Report. Please have them removed from my Credit Report as they 've been leaching on it since XX/XX/2014!!!

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 10/14/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: negative information on my credit report does not belong to me and has negatively affected my credit score. Also, XXXX XXXX XXXX, account # XXXX, has falsely named me as owning a debt. I have contacted both Equifax and XXXX XXXX XXXX multiple times and neither can confirm the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted this complaint to have this charge-off accounts off of removed from my credit report on at least XXXX occassions. XXXX times I have mailed in my dispute and I have also submitted my dispute via CFPB and online via Equifax dispute portal. The items that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXXEach time that I have disputed these accounts Equifax has stated to me that they have come back verified and belonging to me. Impossible, I have attached a police report, FTC Affidavit that least these accounts to be removed and I have also included Equifax 's own credit report that still lists the account on my credit report and an email and the delete report from XXXX of the charge off account stating that they are deleting the account listed on my credit report due to fraud. I have submitted the same information to XXXX of the other Credit Reporting Agencies and they have removed all of the accounts but Equifax continues to do the direct opposite from what they are suppose to do. I spoke to Equifax customer service and fraudulent department on XXXX/XXXX/15 and they have again stated that the reports have come back verified. No matter how much information I send to them to show that these accounts do n't belong to me they still say they do. How can you do a detailed verification when you actually do n't. I need all XXXX of these accounts removed from my credit report and an updated report sent to me as soon as possible. Since this has taken already 60 days to do I believe 15 days for them to complete their job is suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX in XXXX, Tn turned over a {$480.00} debt to Fox Collection in XXXX, Tn. XXXX XXXX made a mistake when they did this b/c I 'd got a XXXX program at XXXX XXXX XXXX in XXXX to pay for that hospital visit. When I pointed this out to XXXX XXXX they cancelled the remaining balance on my account. Fox Collection reports a zero balance on the debt but they have told XXXX XXXX and me as well. That they can not remove that negative account from my credit reports. Which we all know is false. Collection Agencies contact credit bureaus everyday and inform them they would like for accounts to be removed that were settled, cancelled and/or paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax was negligent in how they managed their site security and leaked my information ( along with 143M other people ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with MB FINANCIAL, INC. ().
Issue: Unexpected or other fees

Complaint: An international wire payment of XXXX {$240.00} ( Reference Number : XXXX ) was sent on XXXX XXXX, XXXX, through XXXX Bank, XXXX, XXXX to credit : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, against their proforma invoice # XXXX dated XXXX XXXX XXXX. 
through their Bank : XXXX XXXX Bank, NA XXXX XXXX XXXX XXXX, IL XXXX A Wire fee of XXXX XXXX was paid in addition to the XXXX {$240.00} payment. 
XXXX XXXX Bank deducted a further XXXX {$20.00} from the vendor, which was then billed to us by XXXX XXXX Invoice # : XXXX dated XXXX XXXX XXXX for XXXX {$30.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (KY).
Issue: Closing on a mortgage

Complaint: I am writing to inform you that Caliber Homes Loans has refused to close on the property located at XXXX XXXX XXXX XXXX XXXX, KY XXXX. XXXX XXXX had agreed to the closing date XX/XX/XXXX, as well as signed the second amendment on XX/XX/XXXX for extend the closing date to or before XX/XX/XXXX also stating it would be {$100.00} per day until closing date. I sign form and forward it back to my realtor, XXXX XXXX. On XX/XX/XXXX I was informed by realtor XXXX XXXX that we would not be closing on the property on XX/XX/XXXX.  The seller ( Caliber Homes Loans ) verbally requested to increase the sell price of the house to two days before closing date and afterward terminated the contract without giving a valid reason.On XX/XX/XXXX, I sign a contract for the property located at XXXX XXXX XXXX XXXX XXXX KY XXXX. We agreed on the listing price of {$170000.00} with the seller agreed to pay {$3500.00} towards closing cost and purchasing a limited home warranty. At that time my earnest money of {$1000.00} was given to the seller and shall have been held in the escrow account of XXXX XXXX and applied to the purchase price upon passing of deed.I was giving only 5 days to complete inspection which was performed on XX/XX/XXXX and the appraisal was completed by XX/XX/XXXX. Caliber Home Loans has refused to close on the property and has relist the property for sale as of XX/XX/XXXX, for {$180.00}. I havent signed a release of contract form. Caliber Home Loans also refused to refund my earnest money of {$100.00}. in which I also paid for the inspection and appraisal that is now a lost to me.Caliber Home Loans refused to close on the property is illegally, unethically, and discriminate. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with SQUARETWO FINANCIAL CORPORATION (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On  XXXX / XXXX / XXXX , I received a summons fro m my county  from CACH , LLC that was filed against me to repay a loan for the amount of {$140000.00} that was received from   XXXX   XXXX   XXXX   , Inc . The summons identified me as the president of a business. My identity was used, without my knowledge or permission, to obtain this loan through an unidentified third-party broker.    XXXX   XXXX   XXXX   XXXX    and CACH , LLC neglected to verify my identity by any reasonable means or confirm the validity of documentation submitted in my name. On  XXXX / XXXX / XXXX , the aforementioned loan company disbursed the proceeds from the loan, by wire, into a  XXXX   XXXX  business checking account that was also opened in my name without my knowledge or permission. Within 3 days, without imposing reasonable security restrictions,    XXXX   XXXX   XXXX    team member  ( s  ) allowed two parties to withdraw more than {$98000.00} of the proceeds from the loan that I was held liable for.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 1st off- the college was involved in legal issues regarding the school accreditation. Several students were invoked to litagation with the school regarding this matter. The credits offered by XXXX XXXX were not up to code with the state board examination. Therefore students werent allowed to take finals and receive their degree. I left the school during the legal lawsuits. 

Also- my account was given forbarance and income driven repayment of {$0.00} a month payments therefore my account was NEVER late or behind. Fed loan services has fraudulently reported late payments to my account.

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