milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: My XXXX report showed that there was a hard inquiry on my credit 2 days ago, which I had not authorized. I called the creditor, CBNA, and they could n't give me any information on where or who this hard inquiry came from and when. She said that I needed to call the credit rating agency, XXXX. I called XXXX and they said that I could n't dispute the hard inquiry and needed to call CBNA again to get a letter of deletion. How can a bank make an inquiry which adversely affects me, and then not have any information on that inquiry? It is highly angering and frustrating.

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am trying to get my home loan refinanced as my daughter will be a XXXX in College and Experian is severely impacting my abilities to refinance. On or around XX/XX/XXXX i applied for a refinance loan with my local bank, XXXX XXXX XXXX XXXX XXXX. They pulled my credit report which was through Experian. Experian sent them my credit report and a copy of my credit report to me. First I noticed, my name last name was wrong, my last 4 digits of my SSN was wrong, they had over 13 creditors that were on the report that were wrong. I contacted Experian as this is giving me a negative affect on my credit report and FICO score. My daughter is unable to register for college as I was depending on this refinance with my bank in order to register her in college. After speaking with Experian, they accepted that they had reported incorrect information on my credit report and that they would fix it. I did receive a letter about a week or two later showing they had corrected my name, SSN, and removed about 13 creditors mostly all were negative reports on my credit report. I spoke with a person named XXXX and XXXX, I asked to speak to a supervisor, which they could not find one after being on hold for about 20 minutes. Today XX/XX/XXXX my bank called me again after i let them know that all should be resolved with Experian and my bank told me that Experian is still reporting my old information to them. Please some one help me to resolve this negligence on Experian 's part.

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 01/20/2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My daughter has a collection agency that has garnished her account and that of her minor son. My grandson 's account was opened by me and all monies have come from me not her. She was put on the account along with me when he was an infant. I thought I had removed her but can not find any supporting documentation to prove this. On XXXX XXXX, 2017 the collection agency stripped his account of almost {$2800.00}. My daughter is XXXX and has XXXX. Pay Pal gave her a credit card even though she had n't had a job in over 10 years and was on public assistance and food stamps. They gave her a {$5000.00} limit. I believe this is predatory lending. She has no clue about finances and I was unaware of what had transpired. I do n't believe my grandson should have his money taken away.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (Home equity loan or line of credit) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Residential Credit Solutions , Inc. acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and illegally foreclosed on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of XXXX law is based on RCS improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition RCS denied me help several times and i never got a single person to answer my questions honestly or directly. RCS Mortgage illegally commenced and conducted an illegal foreclosure without offered any workout relief options for me. They have clearly violated XXXX specifically under the " dual tracking '' clause. RCS instructed and allowed the foreclosure trustee named XXXX o illegally foreclose on my property. there was no reason why RCS should have denied my request or conducted a the illegal foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Student loan (Private student loan) with SLM CORPORATION (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I want Sallie Mae to stop calling family members, friends, ex husband and ex boyfriends ( people who dont have anything in relation to this loan and matter ) to put pressure on me start paying them. I am constantly calling Sallie Mae, last call I made was XX/XX/XXXX to find a way to have an agreement between us and make reasonable payments for my loans. I keep communication with them but they keep calling other people and its causing me huge problems with my husband and with them as well b cause they want to get these phone calls from Sallie Mae since they have nothing to do with me anymore. In XX/XX/XXXX I had a big argument with my case manager and warned her not to call other people who know me just to pressure and pay I told her I wasnt recording her and that whatever they are doing IS ILLEGAL and she apologized and told me they wont do that again, my husband and I got separated for that reason because a few of ex boyfriends and ex husband kept coaling me for that matter. Its getting out of hand. However, they did it again on XX/XX/XXXX. These people called me asking to tell XXXX XXXX not to call them. I dont know how to make them stop. I keep contact with them at least twice a month and they have evidence of that in their recordings. This is destroying my marriage and i urgently need help to make them stop calling people who are not in the loan and are not even related to me. Please help me. Because of this my husband, who wasnt gon na help me paying my student loan, while I Prepare for my boards to get into a XXXX ( XXXX XXXX ), do not want to help me. Please help me. Thank you! The file attached was sent to me my ex husband who is tired of getting this calls and causing trouble with his wife as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I hve filed a dispute regarding this HELOC, XXXX mortgage XXXX in the past 30 days. It is still unresolved. BOA had a HELOC on property I sold in XX/XX/2015. According to the closing agent who recently contacted me, a lien was never placed on the property by BOA. Thus when the property was sold, no lien came forward and was not paid. This is the letter frm the closing agent/ attny : " I have received your letter regarding a Bank of American XXXX XXXX I have also reviewed our file. The XXXX courthouse does not reflect a recorded security deed for a HELOC from Bank of America on this property. Our title search went back 50 years and I updated it yesterday to confirm that there is no record of this HELOC. I have left a message for XXXX to further discuss the matter XXXX, XXXX XXXX, Georgia XXXX Telephone XXXX Fax 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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I went to get services with  XXXX , my first attempt took over an hour and resulted in me having to leave for a prior engagement without getting anything completed due to their customer service lack of knowledge and ability to do their job. They pulled my credit even though nothing was accomplished, which I told the CS  rep an d asked her to remove it and she said they did not pull my credit, which was false as I have credit monitoring, which I told her and she just did n't understand. So I get back later that day and try again but made sure to talk to someone to let them know they already pulled my credit, they said they would need to again. I said absolutely not and ended up doing the security deposit option instead. As no services were rendered under the first pull and I ended up using the security deposit option, this inquiry should be removed. I understand applying for credit and being denied, but in this case there was no denial of service just incompetence on  XXXX  side. Please have the company remove this fraudulent inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All XXXX Credit Bureaus are reporting Credit Accounts discharged in bankruptcy in XXXX of 2010 as derogatory credit. I have contacted the Creditors and they refuse to stop reporting the credit account as adverse/derogatory as well. 
This is a violation of the Federal Bankruptcy reporting laws and is negatively affecting my ability to obtain credit. It is also a false/fraudulent reporting of the status of my credit since the bankruptcy closure. 
The outsourced phone rooms handling the 'collections operations ' and credit bureau reporting do NOT understand US Bankruptcy law. The " Creditors '' blame the " Credit Reporting Bureaus ''. Neither entity can nor will accept responsibility for the fraudulent/false reports nor will they correct the reports. 
I have perfect credit since my bankruptcy and wish to increase my scores. They are making it impossible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Called XXXX Suntrust HAMP Settlement Friday evening XXXX XXXX in Refrence to Suntrust Hamp settlement. My question was WHY do n't I qualify. It is a XXXX Loan. I waited on call back from XXXX neutral party XXXX XXXX XXXX XXXX on Wednsday XXXX XXXX. Got an email from XXXX XXXX on XXXX XXXX XXXX stating that I am eligible to participate in the settlement and a Participation Packet would be mailed to me at address on file. I received another phone call and email on XXXX XXXX from XXXX saying " sorry for the confusion but the person that sent me the email saying that I 'm eligible made a mistake '' and now I do n't qualify. I sent another email yesterday XXXX XXXX asking to give detailed explanation of why do n't I qualify when my loan meets all the requirements to be eligible for settlement. A lot of confusion going on. I would like to know why I 'm not eligible when my loan fell in between the time frame for the Suntrust HAMP Settlement. I filed XXXX loan modifications in XXXX and XXXX during the HAMP settlement time frame.. They asked for documents that I had sent repeatedly leading up to my foreclosure date. I made XXXX trial payments. The loan was a XXXX loan. My loan # XXXX. Property address was XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. ( XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted Experian recently to dispute a trade line entry in the credit report Experian compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. Experian indicated that the dispute would be investigated and a response provided within 30 days. Experian closed the investigation without addressing the substance of the dispute ; rather Experian performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that Experian allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; Experian is facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. Experian has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. Experian 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!

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 01/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: credit unless I gave them permission. I told them I did not want my credit record checked. They assured me that it would not go on my credit record id I gave them some information. 
After checking my credit record I am seeing that they lied to me. There are a few checks by XXXX XXXX on XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. The man named " XXXX '' insisted that it would be a soft inquirey that would not show up on my credit record. This is now affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (DC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Greetings, My name is XXXX XXXX and I am filing a complaint on behalf of myself against Portfolio Recovery Associates ( PRA ). My complaint arises from PRA 's illegal attempt to collect on an alleged debt ( Charged-off account ) using tactics that violate several federal laws ( Both FDCPA and FCRA ). PRA is currently attempting to re-age an old account by providing false information to the credit reporting agencies, XXXX, XXXX, and XXXX in regards to a charged off account. Attached to this complaint are three documents that show this illegal activity. The first document is the initial letter from PRA, which details their involvement as a debt collector on behalf of XXXX On that document you will see the full account number detailed. The second document is an export of an old credit report showing the exact date that this account opened as well as the account number and company name that was collecting on this account, XXXX. The third document is a newer credit report which shows that PRA has now added themselves to my credit report ( in the place of XXXX ) and have also changed the date the account was opened as well as the account number to reflect a number that they created which mimics the old account number ( See documents ). They added new characters to make it seem as if this is a new account. Also, on the newer report PRA claims that the alleged debts " Date Major Delinquency First Reported '' was on XX/XX/2015, three months after they placed this fraudulent account on my credit report. By affecting the dates on my credit report PRA now has effected the time in which this item will fall off of my credit history. Per XXXX law, this account is well past the statute of limitations for debt accounts based on the original creditors account closure date, which was removed by PRA and no longer exists on my credit report. 

Additionally, I sent two letters to PRA demanding that they validate this alleged debt and their involvement. They did not comply with my demands ( Package Attached ). 

Just so we are all clear : 1. I have never opened an account with Portfolio Recovery Associates. 
2. Portfolio Recovery Associates have never sent proof that there is a signed contract that exists that binds myself, a natural person, and Portfolio Recovery Associates, a creature of the State who is defined as an ARTIFICIAL PERSON. 

Lastly, these continued illegal attempts to collect on this alleged debt have left me XXXX exhausted. I am hoping that this can be resolved without any need to go the legal route, which is my next option. 

Thanks in advance for your attention to this matter. 

XXXX XXXX US Citizen All rights reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (OH).
Issue: Loan servicing, payments, escrow account

Complaint: For the last several years our mortgage company has delayed sending our coupon payment booklet. It is normally due to be sent out XX/XX/XXXX we didnt get it till XX/XX/XXXX before it was XX/XX/XXXX. When we call its always a hassle, to make a over the phone or online is an extra XXXX-XXXX dollars to make a payment?

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In reviewing all my payments to Navient over the past five years I have noticed that my payments amount against the principal has fluctuated. I have never been late and I need to know why in various month the amount of going against the interest has increased. To be exact this has happened on 11 separate payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Problems caused by my funds being low

Complaint: I have excessive overdraft fees, equaling {$1500.00} this year and counting. This month alone has equaled {$710.00}. I can not get ahead. I do not have the means with which to replace these charges. There are pending charges on my account today and I will be hit with more fees. Additionally my car lease payment was returned twice, I have insurance policies that will be cancelled due to lack of payment and the fees I will incur from those agencies. The bank refuses to refund any of the fees because they already did so once in my lifetime with them. If they would refund my account, by next payday, I would b able to recover. I will not be able to pay my rent if this persists.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BMO HARRIS BANK NATIONAL ASSOCIATION (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Over 7 years ago, I opened a Home Equity Line of Credit with the bank for {$50000.00}. We only used {$30000.00} or so at the time. When the banking crisis hit, BMO informed us that they are freezing their HELOC accounts and there will be no more credit issued. I understand why they did that. Limits their risk. I was fine with it. I did n't, and still do n't, need more money. Here is the problem -- and its a big one : They still term the loan a line of credit. Even though I can not withdraw money from it. My credit score suffers massively because it says that I have that much available to me -- even when I do n't!! My credit report says that my outstanding loans are higher than they should be because of this labeling error. It should be a XXXX loan and show that I 've been paying it down and never missed a payment. It is NOT A LINE OF CREDIT!!!

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient was completely unresponsive to my messages and calls regarding payment option. I tried to see if a modification or option to pause my loan was available and they simply said no. If you do n't pay it will mess up your payments history. No alternative options are available. This company was horrid to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone tried to open a chase amazon visa in my name, I called chase after I got an inquiry alert from my credit monitoring service, notified them that it was fraud because I never applied for the card. I do n't have enough information to file a police report which I need to place a freeze on my credit reports. They will provide any information to me

Company response to consumer: Closed with explanation