milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Went through the XXXX website to request my free credit report from all 3 credit bureaus. I had not received any credit report this year. The 1st company I requested my credit report from is Experian. After I view and saved my experian credit report, I opted to get my experian credit score as well because it was advertised for {$4.00}, and before my credit score was displayed another message from experian offering to provide me with the credit scores for all 3 credit bureaus was offered, however no price was displayed, so therefore I assumed the 3 credit scores were at no additional cost. To me, my assumption seems reasonable, as I thought perhaps Experian is competing with XXXX XXXX XXXX. Therefore, I opted for all 3 credit scores from Experian. About 2 minutes after I viewed my 3 credit scores and logged out of the Experian website, Experian emails me thanking me for the {$40.00} I paid to get all 3 credit reports and all 3 credit scores.

To me this borders on fraud by Experian. I would never pay for all 3 annual credit reports that are free for me, moreover I would not pay {$40.00} for 3 credit scores when I know all 3 credit scores purchased separately would cost less than {$20.00}.

Experian seems like such a dishonest company, desperate to cheat the public to make ends meet. Why would such a company be the custodian of personal credit information and social security numbers? It seems to me that this sort of dishonesty could lead to Experian secretly selling consumer information to others that have a need for it. Experian is NOT a company to be trusted with this level of information.

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 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Media Collections, Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a debt due to a day care payment dispute. We had to withdraw our daughter from XXXX XXXX VA when the center was disqualified from the military/ XXXX child care subsidy program due to repeat violations. The center was mismanaged and we were never informed we had any kind of balance until I received a letter from XXXX 's corporate billing office. I immediately called to question the {$930.00} balance and was told I 'd have to speak to the director for the center- she was the only one who could adjust the billing. I immediately called and was told she was not available but the assistant director XXXX would look into my dispute and get back with me. I never heard back from her. The next correspondence I received was notification from a collection agency. I again called the center and was then informed the center director was on leave. I further disputed the balance, but the acting director has not been able to address my concerns- she advises she does n't have the knowledge or experience. She referred my ledger to another center 's director who removed XXXX charge but did not address or adjust anything else I disputed. No one seems to be able to own this or wants to assist me. I feel this is some sort of retaliation for having to withdraw our daughter from their center due to their disqualification from receiving the military subsidy. I 'm disputing the amount they say I owe, and would like a response to my questions about some missing subsidy payments from the XXXX Child care aware, as well as the vacation weeks we should only have needed to pay half tuition. Please help, I am anxious to have the collection account in my name closed and removed.

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 07-01-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Closing on a mortgage

Complaint: Quicken loans accepted us for a refi on our home until the appraiser noted that the power was off at our home. A little back story, In our area SE Michigan XXXX is the only elec. provider and when they came around with smart meters we said no, I get XXXX XXXX and XXXX, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which these things which they are calling a meter put out, very high levels in fact.XXXX will tell you that they offer an OPT-Out plan and claim that the transmitter is turned off and when called and asked an operator about this option, they immediatly take offence and get a really nasty attitude and also act like they do n't know about any OPT-OUT plan.I talked to XXXX XXXX @ Quicken loans and he basically told me he could not help me if i did not call XXXX and turn it back on. So XXXX, XXXX XXXX and 3.99 % 15yr fixed with XXXX or 7.75 % adjustable at XXXX XXXX XXXX for another 18yrs.which is what we have now.My complaint is that, it is not like it cant be turned back on. When I told the appraiser our story he looked at me like I was nuts. Quicken loans is making me choose between my wallet or my health.Discrimination, because we dont buy power from the grid in which we only have one choice which is not much of a choice. This wont be the last words on this subject.i Will be emailing, phoning and sending letters. THIS IS JUST WRONG!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/18/2017 about Checking or savings account (Checking account) with Coinbase, Inc. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I sent a wire to Coinbase company on XXXX/XXXX/XXXX and per their web site it should credit my account same day or next business day, till date XXXX they dont reply to my inquires nor do they have a phone number to call them. I emailed their bank XXXX XXXX bank and they told me that they received the wire same day I sent it and credit it to Coinbase account. They have kept my money for 5 days and Im getting no where with them and feel I got scammed or they are utilizing my funds to make profit. Please help me as I feel so desperate at this point Wire amount {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Company sent right to redeem vehicle to wrong address and I never received bill of sale for vehicle that was sold

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Managing the loan or lease

Complaint: Purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX , XXXX ( XX/XX/XXXX XXXX XXXX ) After driving away with car we found that the passenger side window does not work, check engine light came on, air bag light came on, spring on the back side of the drivers seat exposed, we had to push it back in order for no one to get scratched ... signed a loan for over {$11000.00}, air conditioner does not work. I contacted Dealer on XXXX XXXX and I am still waiting for the repairs to be made. The dealership continues to put us off, does not return calls, passes me around to different point people. No one in the dealership seems able to take care of our concerns. Please can you help, we are running out of time for the lemon law to apply and I am in need of a vehicle for my family. Thank you for your attention to this matter. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had to short sale my home which involved a XXXX mortgage and a XXXX mortgage. The sale finalized on XXXX 2011. The XXXX mortgage shows the loan paid and cleared on my credit report as of XXXX 2011. Citibank, who held the XXXX mortgage, is still showing the XXXX mortgage as currently late on my credit report. I have spoken to Citibank and have sent them THEIR paperwork that shows they accepted payment but I have only received a letter back from them asking that they can not do further research until I pull my credit and give them a detailed explanation. I have spoken to XXXX representatives who have told me they will take care of this and still I am waiting. I need this cleared so I can complete the purchase on my new home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX XXXX is listed on my credit report with the initial creditor noted as XXXX. I mailed to XXXX XXXX to validate debt and mail was returned. I submitted a complaint to CFPB and the response from XXXX XXXX XXXX was the debt did not belong to them.

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 06/26/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America not only charges for checks, but also for deposit slips to loan OUR money to them. I would like free slips, and also checks, which formerly were given free. I was told by a cashier that they could be ordered FOR A PRICE, but if enough complaints were filed, corporate may yield. We have a regular checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (DC).
Issue: Struggling to pay mortgage

Complaint: In   XXXX  ,   Carrington Mortgage modified my loan without my approval and/or knowledge.
I recently learned of their actions during a refinancing of the loan with another lender. When I 've talked with Carrington about this issue, they seem not to know much about it, never  theless it appears on my credit report as a loan modification. The documents that I will upload indicate that I never signed-off on the modification.   During this period, this property was a rental property, and was occupied by tenants that I leased to for approximately 10 years (  XXXX  ). Further, the mortgage was not late, i.e, I was not having difficulty paying the mortgage and did not need a modification.   I 'm not certain about what can be done, but I 'd like help in unraveling this matter and getting to the bottom of why the modification, and why without my knowledge and involvement. Your help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: I made multiple dispute with TransUnion and they still refuse to remove the inaccurate information on my credit report when I send them all the supporting documentation and they put that they verified the account when you clearly can see that the accounts are inaccurate, i ask how you guys verified the accounts and also can you send me the method of verification also they refuse to send me that as well. 
They are in valiation of my right fdcpa and I demand that the accounts be removed

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Information comprised in Equifax breech

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I sent XXXX separate communications not to contact me about this alleged debt. They have not validated the debt and have not responded to any of my notices. I ask them to cease and desist communcation under the FAIR DEBT COLLECTION PRACTICES ACT 15 USC SEC 1692c ( C ), ( e ), & ( g ). They now owe me money for this violation {$21000.00} and as stated in my communications. I will attach copies of the notices, with proof of mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: In XX/XX/XXXX I filed a Chapter XXXX Bankruptcy Petition, which included my mortgage debt with XXXX XXXX. I did not reaffirm the mortgage during the bankruptcy proceedings. My Chapter XXXX Petitioner was closed with all listed debts discharged on XX/XX/XXXX. I know the mortgage on my home continues a debt against the property but my personal obligation for the debt was discharged. XXXX XXXX   continues to report my mortgage account to credit reporting agencies, including Experian. I have notified Experian and XXXX XXXX  that the information shown on my current credit report is a violation of the Bankruptcy Discharge, but they refuse to remove the information from my credit report. I am attaching a copy of my Bankruptcy Petition and Discharge with this Complaint. I need help getting this information removed from my credit reports, as it is adversely effecting me and my family. I did not want to file for bankruptcy protection but as I did, I am entitled to the protections granted to me by the Bankruptcy Court.

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 03/28/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Credit shows balance due. Balance should be at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XX/XX/XXXX I attended college and with the help of my sister who cosigned for me, I was granted a loan for {$1100.00}. During the XX/XX/XXXX I completed an internship and this is when the harassing phone calls began. In the XX/XX/XXXX I was not working nor was I in school. I informed XXXX/Navient that I was unemployed and not in school, but they still harassed me and insisted that I pay. In XX/XX/XXXX I went back to school ( and informed them that I was in school but that did not stop them from continuing to harass me with the phone calls demanding payment. I had a struggle with attending school due to financial issues. I finally graduated in XX/XX/XXXX and they were not willing to lower my payments, nor offer the deferment, nor the forbearance. To this day they have been harassing and threatening me for payment. I informed them that I was only working as a waitress and could not afford those high payments. They literally had me in tears with the threats and harassing and unwillingness to assist me with the above. They told me that I had to give them my bank information for the high payments regardless if I could afford them or not. I felt as if I had no choice, even though I knew and told them that I would not have the money. This has resulted in late payments, which I never agreed to make, and in the process, has caused me to have delinquent payments on my credit ( and the credit of my cosigner - which they have been harassing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: A wage garnishment was placed on my income last week by NCO Financial, for a debt that, to the best of my knowledge, was satisfied in 2012. NCO placed an AWG on my income for at least 5 years prior to 2012 in the tune of {$4000.00} - {$5000.00} per year. Then sometime in 2012 the garnishments stopped, so the debt was paid. The debt was even removed from my credit reports. Additionally I did not receive the legally required 30 day notice that the XXXX was going to be applied to my paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IA).
Issue: Account opening, closing, or management

Complaint: On XXXX, I learned from my friend about a Checking account promotion CITI bank is running ( XXXX XXXX points after meeting requirements within 90 days ). I contacted CITI bank on XXXX/XXXX/XXXX via their Online Chat and asked the representative XXXX to check my eligibility for the promotion. CITI representative asked me " Do I have a Credit Card with CITI ''. I replied " I have XXXX. XXXX of them are XXXX card ''. After learning that, CITI representative informed me " promotional offer is for all existing credit card client who does n't have any deposit account with CITI ''. I told her I do n't have any checking or saving accounts with CITI. CITI representative offered me the promotional offer code XXXX to use when opening the account. ( I have the Chat copy that i can provide ) I opened Gold Checking account by end of XXXX and completed all requirements by XXXX. On XXXX/XXXX/XXXX, I contacted CITI bank again by online Chat and asked CITI representative XXXX to verify that I completed all the requirements for the promotion. She took some time to verify but came back and confirmed all requirements are complete and I should receive my promotional points shortly. ( I have a copy of the chat ) After waiting few months and not seeing any points posted, I asked CITI representative the status of the promotional offer. They created a ticket for me and told me to wait for a response. I recently got the response from CITI bank saying " Promotion was invite only and I was n't Invited. '' When I replied back telling them about the conversation I already had with different CITI representative before and after opening the account, CITI stopped responding to my request.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a car in XXXX/2017 the car dealer sent my information to over a dozen financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.

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 03/20/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: i was offered the 3 months hardship for the hurricane Irma after the 2nd month the wells fargo bank sent me letter and called me saying i was behind on the mortgage by 3 months and I told them ive sent them the last mortage payment before the hurricane how could i be 3 months behind, the person XXXX told me oh they recieve the last payment but did not apply it and could not clearly explain why, and they were not approving for the hardship program and i need to pay the remainder now and I asked I was told by the lady after the hurricane that all would be good and they would put my account for the the 3 month hardship program if i wanted to and i said yes please and than XXXX said Oh i apologize for that and there is nothing he could do this he said when he contacted me after over 2 months later

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 05-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar acquired my loan on XX/XX/2014 but incorrectly used my old terms instead the new modified terms. When they finally admitted their mistake in XX/XX/XXXX, they only reversed 2 months instead going back to inception of my loan loan ( XX/XX/XXXX ). 
THIS IS NOT A DUPLICATE CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (I do not know) with Colony Brands, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have XXXX accounts linked with the same account number on my credit report. Its unauthorized

Company response to consumer: Closed with explanation