milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Credit reporting () with WELLS FARGO & COMPANY (KY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My complain is not against any financial institution reporting accounts updates to credit bureaus, but against XXXX. It is clear at this point that XXXX has a serious issue at its process/computer system since the same update sent to all credit bureaus just got the erroneous status at my XXXX credit report. Here is the issue : I got a bankruptcy case filled on XXXX ( chapter XXXX ), which I got dismissed on XX/XX/XXXX, so currently no further information about this case should be present in my credit report. 
What happened XXXX already this year with different financial institutions were XXXX accounts reported as closed and no matter if this account was part of the chapter XXXX case mentioned here or not, XXXX included this update in my report as a derogatory/adverse account, even with the " Pay Status '' listed as " Current ; Paid or Paying as Agreed ''. 
XXXX is taking the remarks in the accounts, where the bankruptcy is listed, and based on the closing date is considering the occurrence as a new/current bankruptcy case and list the account as adverse, with the date to be removed XXXX years from the account closing date reported. 
Contacting XXXX is the most painful process ever. The call is answered oversees by customer service representatives that work based on the script they have been trained without any deeper knowledge about the credit report info and bankruptcy rules in US. I started a dispute via online process, submitted all the necessary documentation, got the account fixed in my credit reported as expected, but after XXXX days the same account was listed as adverse again. After several calls I finally was able to talk to a supervisor here in US, but instead of understanding the issue and acknowledge as a XXXX issue, the supervisor requested a communication from the finance institution to fix the account in my report, basically removing the account from my report. I got the first financial institute account reporting fixed and my FICO was calculated correctly. 
Now, another closed account reported end up listed as adverse again and I started another dispute process, where XXXX still not fixing the error on its said and still contacting the financial institution as part of the dispute, like the error was related to the account reported and not on the way XXXX is erroneously processing/listing the account update in my report. 
For this reason I decided to contact CFPB and put a complaint against XXXX. My next step will be look for legal assistance to take any possible action against the burn XXXX is causing to FICO / credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Closing on a mortgage

Complaint: Sign Cash for keys processing faster. I 'm ready clear house. And I 'm waiting for bank to check the house. They give me a dead line.XX/XX/2017. But I need them to come and check the property. I CANT LEAVE TILL I GET MY CHECK.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with ID Analytics, Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Made XXXX requests to obtain my consumer report from SageStream. SageStream argues that the forms of identification I have provided are insufficient to get my consumer report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXXand sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of mu Experian and XXXX report for reference.

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 10-01-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I would like to know if a bank has the authority to rearrange transactions in the consumer 's checking account after the funds is cleared in account? Or should the bank provide the consumer with correct, online, account information on all transactions made to the consumer 's account including pending fees?. What is the Consumer Finance doing to stop these banks from charging the helpless consumers from these excessive and unjust fees?

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently discovered that someone has my social security number and has accessed my credit report. Her name is XXXX XXXX and she accessed my credit report sometime last fall.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for a Loan Modification CITI Mortgage and made all of the the Trial Modification payments IAW the terms and conditions of the Trial Modification terms. CITI mortgage sent me Final Mod docs and the incorrectly are asking my Ex Wife to sign the Final Modification docs as a Borrower when she has no interest in the property ( the property is solely titled in my name and my Ex Wife never signed the original promissory XXXX XXXX multi State document. I signed the final Mod docs and noted o them that my Ex Wife refuses to sign them and also, I informed CITI 's Execute Response Representative the same. This past weekend I received a Demand Notice from CITI for payment in full though I have in fact returned the Final Mod docs with the requested XXXX Payment in accordance with the requested dates. At this stage of the process, I do n't to incur more attorney costs in defending myself from a Foreclosure XXXX by CITI. I just want the correct XXXX XXXX docs to be sent to me not asking for my Ex Wife to sign them and we can finalize this long process.

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 04/29/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a XXXX from Bank of America with cover stating " Important Opportunity Enclosed '' offering assistance on my loan modification, that offer requested that I contact XXXX XXXX by XXXX XXXX, XXXX to take advantage of the " proposed '' opportunity. I called XXXX XXXX at the telephone number on the letter approximately 5 times but her voice mail stated that she would return by XXXX/XXXX/XXXX ( XXXX day before my deadline of XX/XX/XXXX ) but no call back. I even called the number that XXXX XXXX left on her voicemail indicating that if I have an emergency to call ( XXXX ) XXXX but no one answered the line and after a few rings the line disconnected. What am I to do, when I call and get no answer??? 

I would like to discuss my particular situation with the bank but to not prevail. I always feel that I get a perpetual run around with Bank of America. 

I assume that they are contacting me because of my complaint filed with the CFPB regarding my being overcharged on my loan modification because of the bank 's dubious practice/tactics of shepherding me to foreclosure by intentionally denying me a loan modification from the very beginning when I first applied in XX/XX/XXXX. Now I am being charged over {$180000.00} in additional costs because of the bank 's tactics of denying and then adding on more and more costs. I am being charged for their tactics. Now I can not get in touch with the banks representative, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have citi bank thank you premier credit card. Aft er one year charged me annual fee of {$95.00}. I am asking them to waive it and downgrade the card  so that I do not have to pay annual fee. They are saying it has to be within 30 days. I have not used card in the last 30 days and there is not other charge after this annual fee. This is fraud and wrongful way to extort money. It is very difficult to read and remember all fine print which is provided with a card. Would request your intervention. Also the membership fee was charged on  XXXX   XXXX  and today is  XXXX   XXXX  so it is not even 30 days.     Charge date :  XXXX   XXXX  Amount :  XXXX  Charge type : MEMBERSHIP FEE   XXXX   XXXX  -  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 monetary relief
Consumer complaint received 05/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been told by XXXX XXXX XXXX, that I was given a Parent Plus loan in the amount of XXXX by Navient for my son 's college. I have letters from XXXX XXXX for XXXX and XXXX denying me the loan due to information on my credit report. I was told by Navient as I entered the time I was able to start paying back my loans that I should consolidate first. So I did that. I have been in repayment for almost a year under the public service payment plan as I am a XXXX XXXX XXXX. Due to the parent plus loan being consolidated I can not qualify for a payment I can afford. Each time I call someone they tell me to call someone else. I have always been prepared to repay my loan but now it is close to 178,000 because of interest and me being in forbearance for so long. I want to continue making payments but I ca n't afford the XXXX per month, I am a XXXX! I did not qualify for the parent loan. I have letters proving that from XXXX XXXX. How did that loan go through. I feel it was deceptive practice and I need resolution so I can afford my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (FL).
Issue: Getting the loan

Complaint: Misleading marketing and deliberately alludes to potential for granting a bad credit loan. They even give you guidelines for credit score XXXX [ they say as fair ] & while indicating a credit check will not negatively effect your credit. Then they reject you with incorrect information gained from that credit reporting agency. An agency that I have complained to CFPB for months over incorrect information. No attempt on their part to validate. Then they will- get this- post that rejection while asking me to reapply in 6 months really!

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  Credit Card is reporting incorrect contact information on all  XXXX  CRA 's. Dispute letter mailed to  XXXX   XXXX  at the address listed on all   XXXX   reports   XX/XX/17    . This letter was returned " un-deliverable ''  XX/XX/17   . Photo copies of the letter showing the United States postal service could not deliver the letter along with a letter requesting the information be removed due to inaccurate reporting to all   XXXX    bureaus  XXXX ,  XXXX , and TransUnion on  XX/XX/17   . All   XXXX   have responded as "  Verifed  '' account information yet all  XXXX  still list the incorrect mailing address for this account.  XXXX   XXXX  sent me a letter with their correct address in the return section of this letter. Due to the inaccurate reporting of  XXXX   XXXX  and the CRA 's this account needs to be removed from my report.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XX/XX/XXXX2017 and I have not heard from Transunion or XXXX at all regarding these matters. Additionally, XXXX 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.

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 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: I have a recently opened credit card with Citi.
It is an AAdvantage MasterCard.
As you can see from the attached, I have a revolving credit limit of {$5000.00}, of which {$1500.00} can be used for cash advances.
Fine.
I went into the bank for a {$1000.00} cash advance on Friday,XX/XX/XXXX. I wanted a cash advance for the very long, XXXX XXXX weekend. I was declined.
I spoke with a bank employee, very friendly, named XXXX XXXX She called the banks " back office '' in XXXX ( XXXX XXXX XXXX ) and spoke with XXXX, and was told two things.
First, there had been fraudulent charges on my account. Second, I could only make my cash advances in some kind of increment and, after 45 days, could take {$1000.00}.
I told XXXX that if there had been fraud on my account, then why was n't I notified. XXXX was told that the phone number for me could not be validated. My phone number is XXXX XXXX XXXX and is the exact same phone number that I used to open the account.
This would not do. I would have to give them another number - one that could be validated - and they would leave me a message there. I gave them my home phone number and, in fact, they left me a " code '' at that number. The code was XXXX. I was to call the " back office '' myself, give them that code, and then I should be " ok '' to take my cash advance.
The long weekend has passed.
However, on Wednesday, I went back to the bank with my code. I was unable to speak with XXXX and instead spoke with XXXX XXXX. Also very friendly.
We called the " back office '' again with the code. XXXX confirmed what had occured and passed the phone to me. I confirmed that there had been no fraudulent charges on the account. There were no fraudulent charges on the account.
Fine. I was ready to go to the teller window and request my cash advance, according to XXXX in the back office.
I went to the teller window for my cash advance and was declined.
I went back to XXXX He and I were both perplexed.
Called the " back office '' and XXXX spoke with XXXX. XXXX explained to XXXX  that I can only take out increments of {$500.00} and no more. He also explained to XXXX something about a 45 day hold, etc.
I asked XXXX after he had been on the phone with them for a while, what was going on and did he understand what they were talking about. No, he said.
So, long story short, I need to understand from the bank why I could n't take out a {$1000.00} cash advance when everything that I 've gotten from them says that I can.
I have included a recent email from XXXX XXXX telling me that my credit is excellent, by the way.
Your help with this is very appreciated. I can get no answers from the bank.
Thank you.

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 05/28/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: We were served with a law suit from XXXX and since being put on an automatic payment arrangement we have not received any information. We also believe the amount that was requested was over the amount we owe.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX Equifax XXXX, GA XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX I have also included the following minimum two ( 2 ) proofs of my current mailing address Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I 've applied for XXXX 3 times. All were denied on separate criteria, in XXXX instance that in writing the reason for the second application being denied contradicts the criteria used to deny the third application. It was denied the second time because they said that I was in fact XXXX even though my NY XXXX XXXX and I work XXXX. So, I applied a third time with the information changed only to be denied on the grounds that the " official word '' is that my school is considered a XXXX. Help if you can. Nelnet is certainly not helping nor do I believe have they any intention of helping.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to XXXX and requested my Transunion report. The process took me to Transunion 's website, where I could not view my credit report. I tried to do the process again, but the site told me it could not give me my credit report because I had already requested it. When I tried to contact their customer service, everything was set up for different inquiries and there was no way to chat with the people except over phone which I did not want to do in my office.

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 06-05-2017 about Debt collection (Federal student loan debt) with Experian Information Solutions Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. I am writing to request that Experian block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 07/18/2016 about Mortgage (VA mortgage) with Stearns Ventures, LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: My VA loan is serviced by Stearns Lending. I make monthly payments through auto-draft/ACH each month. I see the payment come out of my bank account on a monthly basis, as scheduled and established through Stearns ' website. However, I occasionally get auto-dialer collection calls for past due payments. How can this be, when I have auto-draft scheduled? The payment is made on time, on the same date every month, and is automatically deducted from my bank by Stearns on a monthly basis. So, why am I getting automated collection calls and why is my loan " past due '' if the payment is pre-scheduled on auto-draft?

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