milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: While signing up for a checking account at Regions Bank, the banker asked me if I would like to opt-in or out of overdraft protection. The camera on my motorcycle helmet was left on, though not intentionally, and recorded me verbally telling the banker to opt-out of overdraft protection. So I go home and notice I have a hard inquiry on my credit report and states from Regions Bank. I also noticed through my online banking profile that I was enrolled in overdraft protection. It was confirmed that Regions Bank would only do a soft pull and it would not show up on my credit report, but since I was enrolled by the banker into overdraft protection without my legal consent it resulted in a hard inquiry instead of a soft. So now my FICO score has dropped by XXXX points and will take it months for it to recover. Time in which will set me back drastically as the inquiry will stay on my credit report for 2 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with Merchants Acceptance Corp (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: The only dates that I have on hand at the current moment is today,   XXXX   XXXX   XXXX     and a previous date of   XXXX   XXXX   XXXX    .     I 've had harassing, non stop phone calls to the point that I 've changed my number and had to block the company 's number on my home phone, when I have asked that all communication be done via United States Postal services, which has been ignored and I have n't received anything by mail. The debt that they 're trying to collect is on a   XXXX   XXXX   where my contract was voided since  XXXX  did n't keep up on their part and I returned the vacuum to them.     On   XXXX   XXXX   XXXX     I received an email stating that they 're trying to contact me in regards to my account - Which was sent to my email and  three others, two of w hich I have no connection to. This was after my grandparents and mother received a phone call from a man who got verbally confrontational with my mother. I replied back to the email stating that all contact needed to be done VIA  USPS  and if there was any issues to give me a call on a number I provided.     On   XXXX   XXXX   XXXX     - My employer got a call, fax, and email in regards to an employment verification, in which I called the number provided spoke to a woman named   XXXX   that had placed all three of those contacts, and informed her not to harass me at my place of business and if there was any need to contact me via  USPS  - which still has n't taken place. She placed me on hold stating that she was going to transfer me to someone to speak to in regards to it since she only does the " employment '' verification, and I was left there fo r fifteen minu tes before I finally gave up.     I 've had multiple calls on an old phone number that where I 've had their employees yell at me, call me names, and harass me about payment on an item I do not have. I have proof of changing my number, the block on my house phone, statements from my grandparents and mother about their phone call at my home, and proof that they 've contacted my employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am trying to release my cosigner from liability for my private student loan. Wells Fargo EFS has but excessive, unnecessary, and unusual steps in the way of doing so. Specifically, it requires that the cosigner himself sign a form that is mailed by Wells Fargo directly to the cosginer asking him to release himself from liability. 
Wells Fargo insists that this is necessary because they can not release him without his permission. This makes no sense ; there is no reason that any person would have a desire to remain a cosigner on a loan if it is not required. Other companies do not do this ; XXXX released my cosigner only after my submission of a form and demonstration of myself as being a good borrower. 
In my opinion, Wells Fargo is putting this unnecessary barrier up in order specifically to prevent borrowers from getting cosigners released.

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 04/14/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (AL).
Issue: Loan modification,collection,foreclosure

Complaint: Sent in all the documentation required for a modification review on XXXX/XXXX/2015 and my lender is refusing to review the documents because of the foreclosure sale on XXXX/XXXX/2015. I had an authorized 3rd party call my lender on XXXX/XXXX/2015 and they stated that it was too close to request a postponed. They had previously reviewed me in XXXX of 2015, but at the time I was only a part-time employee. I have now received full time employment. Since my situation has greatly changed and I submitted the documents to my lender 11 days prior to the sale I am asking for them to postpone to allow for a proper review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (IA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Back in XXXX 2016 to XXXX 2016, I was having trouble paying back my loans at the amount set forth. I was making under poverty wage and had a dependent. They told me that the only option would be forbearance, and that I would have to keep calling every 3 months to do it. I requested to speak to a manager, and after multiple dropped phone calls saying that there was no other options, and that they do not lower interest or payments, they finally put me through to a manager. They set me up on a plan that lowers my monthly payment by {$100.00}. What I did not know was they increased my repayment time by 8 years and increased my interest rate. After it being 18 months, my auto payments dropped, so I found all this out by going in to the website and discovering how high my interest rate was, and that my plan had not extended by the 3 years I thought ( to make it an 8 year loan ), but actually increased 8 years. After reading, and experiencing from XXXX XXXX, how they decreased my interest rate to make my loans affordable, I believe that XXXX was untruthful and has caused me to pay way more, when they should have had options like XXXX or XXXX  ( which I have loans through both ). I am able now to make more then my loan payment, but am looking at all the money I feel like they tricked me out of money through false statements and pushing me into the 'only option they have ' for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for housing a car ), which was highly embarrassing and has negatively impacted my lifestyle. 
( optional ) With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed as soon as possible. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Account /cell number XXXX delete the above information as quickly as possible. 
Sincerely, XXXX XXXXYour NameSSN # ***********

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am putting a complaint on Chexsystems cause I am having ongoing issues with them and they are not trying to correct the issue. In XXXX I had requested a copy of my chex systems file. I received a letter from them dated XXXX XXXX XXXX that my file was mixed with another file with similar information. The reason for this is because I have been a victim of identity theft. They requested for a copy of my social security number to correct the issue. I sent them in a copy of the letter and social security card front and back along with a police report that I had filed. They sent me a copy of my chex systems file at that point. After reviewing the file there are multiple inquiries on my Chexsystems file that were a result of the identity theft. The original police report i sent in dated XXXX/XXXX/XXXX I sent to chexsystems and now I am attaching to my complaint the new police report that I have filed dated XXXX/XXXX/XXXX. The list of inquiries on the report are extensive the only inquiry that should be reporting on my report is XXXX XXXX XXXX on XXXX/XXXX/XXXX I have not requested or authorized anyone to access my chexsystems since then. The rest of the inquiries are the result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: on XXXX XXXX, 2015 I was charged several transactions from XXXX XXXX transactions in the following amountsXXXX. {$20.00}. {$100.00}. {$54.00}. {$120.00}. {$56.00}. $ XXXXtotal amount of {$390.00}. I attempted to contact XXXX through customer service and email I received the same resonse several times stating to look over my XXXX purchase history which I had already done and determined that the charges were not mine nor were they authorized after serveral unseccessful attempts I contacted my bank Bank of America. I filed a dispute. I cancelled my debit card that was linked to my itunes account to prevent this from happening again. Today XXXX XXXX, 2015 I checked my account again to pay bills and once again I have XXXX new XXXX charges all for in the amount of {$100.00} totaling {$430.00}. In the past week XXXX has charged my account in the amount of {$820.00} in unathorized charges. I need this amount refunded asap to my account and for these charges to stop now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Credit Systems of XXXX XXXX at XXXX is harassing me for {$2700.00} ( ref # XXXX ) for an unpaid lease at apartment XXXX at XXXX XXXX XXXX, managed by XXXX XXXX dated XXXX/XXXX/XXXX. I never signed a co tenant lease with XXXX. I signed a tenant referral for a relative in XXXX for apartment XXXX for XXXX XXXX, which the lease was completed in XXXX. The relative moved to a larger apartment and signed a new lease which I was not needed as a reference. This was also a low income HUD building. A new management took over the building named XXXX that hired National Credit Systems to harass me due to ill standings with my relative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Managing the loan or lease

Complaint: I have a loan with  Kia Motor Finance. I  recently moved to Florida. In Florida, I need the title company needs to receive the title in order to process my new registration. I have requested it twice, most recently on  XXXX   XXXX . I have had the title tag agency fax it to the number provided by  Kia. I  have confirmed that the fax went through to the proper number provided by  Kia. N either time I have submitted the form to provide my title information has it been sent to the title agency. According to Kia, the form has not been received  ( althoug h I have proof it has been received by tem.     I should not be held responsible for Kia losing my information as it is not my fault. I have been trying hard to get this accomplished and I am probably now in violation of Florida law for not registering my car in the proper amount of time. I do n't know what to do at this point. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX states that they have tried to reach me. We have not heard from them although we are in the office everyday XXXX.I called the XXXX XXXX escalation department XXXX/XXXX/2015 and left a message. This is real simple have XXXX XXXX XXXX dispatch on their letterhead that they have requested this to be removed from my credit reports as XXXX, Equifax , XXXX. In correspondence from the actual representative XXXX XXXX she specifically uses the word rescind.Lettters from all credit companies state XXXX XXXX says it is reported right. So it has become a finger pointing game. Everything i am stating is in black and white.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I should only have 3 credit inquiries and 2 of the credit scores shows more. Which i didnt not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (Federal student loan) with UNITED STUDENT LOAN SOLUTIONS (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I contacted my student loan agency, XXXX and informed them I was a XXXX. As a result I do not have an income. XXXX switched me to United Student Loan people rather than providing me with an application for income based repayment. United Student loan has used unfair practices to obtain information about me. They are withdrawing monies from my account despite my request for income based repayment. United Student loan is taking money from me despite XXXX informing me of my forbearance. United Student loan is running a scam, in my opinion. United Student Loan has created a hardship for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AmerAssist A/R Solutions, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company has not made an attempt to collect this debt prior to placing it for collections and having a negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have XXXX derogatory collection accounts on my XXXX and XXXX credit reports from a place called CMRE Financial Services. I have tried repeatedly to try and have these removed because I do n't even know what they are but have failed in every effort. In trying to have these collections removed this company continues to change the dates on my credit report so that these collections are never removed. I have tried everything to have these collections removed from my reports and to have the people from this company leave me alone. They just keep harassing me by phone and I 've told them repeatedly that I do n't even know what these accounts are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX 2017 My XXXX sent a certified check via overnight mail to Citibank-in the amount of {$7500.00} to address : Citicards, Citibank / XXXX XXXXXXXX XXXX  XXXX, XXXX, KY,XXXX. The check number is : XXXX again in the amount of {$7500.00}. I have called over 5+times to ask where this payment is-thus far, " no payment has been found '' -this is a lie, as my certified tracking shows mail was delivered. Where is my payment? 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 non-monetary relief
Consumer complaint received 07/15/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I havent a job for several months. When   XXXX   called asking to make payment I did n't have anyway to make payment of  XXXX . so he called me a liar and told me how he knows I am lying ...

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax is reporting my son 's bankruptcy on my credit report. I 've disputed this several times with them and each time they come back and still say it is mine. I 've sent them my son 's info DOB, SSN, along with case number for the bankruptcy. Now my son and I share the same name and is a  XXXX  so I can understand maybe the confusion but not after I 've disputed and shared this info with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (PA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: A Chase private student loan cosigned for my son was paid in full XXXX of 2014. 
There was a letter from Chase for the XXXX and XXXX payment saying they could not process the payment, because they could not find my bank account number which was recorded improperly. They received payment for these months when I received notification of the problem. As I stated the loan is now closed and paid in full. Chase, however, has my credit report showing me 60 days delinquent with the XXXX and XXXX payment. This has adversely effect my credit and I have not been able to refinance my and another student loan that was cosigned for my son.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (WI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Since XX/XX/XXXX, I have been trying to resolve a situation with XXXX XXXX concerning unauthorized charges on my XXXX. They kept letting a charge go through in the amount of {$500.00} each even though I was disputing the charges. They claimed it could not be controlled? I finally made them give me a new card number on XX/XX/XXXX and then they gave the disputed charger my new card number without my approval. I have spoke with them numerous times and have also spoke with XXXX to try and determine the source of this charge and they tell me it is not them even though XXXX is in the description line. Not knowing what else to do, I had to demand that they close my account so no additional charges would go through. This was done on XX/XX/XXXX. In addition, I filed a police report with the XXXX, WI police department. XXXX keeps trying to claim I know the individual responsible in this case. I do not know who is responsible for these charges. In addition, I have contacted XXXX XXXX of XXXX, XXXX and XXXX to see if they could get anywhere in this case. On my behalf, they sent a formal demand dated XX/XX/XXXX to XXXX and as of XX/XX/XXXX they have received no response from them to try and resolve this situation. Per their recommendation, I am reaching out to you for your assistance with this dispute.

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 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account that shows derogatory on my credit when account was included in my bankruptcy ... I need this updated or the account removed please for wrong information reporting thanks

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