milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX reported a hard inquiry conducted by XXXX on XXXX XXXX from XXXX XXXX - oh. This is the second hard inquiry from XXXX on XXXX XXXX. The first XXXX XXXX, TX. I reported this hard inquiry to cfpb on XXXX XXXX ( XXXX ). I was contacted by XXXX this morning and suggested sending a letter to XXXX XXXX XXXX XXXX XXXX XXXX TX 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 10/17/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hello! My complaint is in regards to a repossession. I was never late on my payments and my car was repossessed due to a legal issue. I have requested several times that my credit report be updated to not reflect that my car was involuntarily repossessed. This makes it look like I do not pay my bills and that is not the case. I was NEVER late paying my auto loan. I am not late paying any of my bills with Capital One. Even since the repossession they have offered me credit cards and upped my balance even though they have lowered my credit score over 100 points. I believe this to be a tactic they use by lowering people 's credit score, but continue offering them credit products that the consumer could n't be approved for outside of their bank. I would like this repossession removed so that my credit score can be restored. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Struggling to pay mortgage

Complaint: Applied for a loan modification and was denied. I lost a source of income due to a XXXX. Never had a late payment in 12 years. I asked why my loan modification was denied, i was told because of insufficient income. That was the hole purpose of me filing a loan modification. They are not helping me with my situation and being able to keep my house

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Bank account or service (Checking account) with DISCOVER BANK (NY).
Issue: Account opening, closing, or management

Complaint: Discover bank requires a SSN to open a checking account and does not allow the use of an ITIN. Spoke to multiple agents who all said that I simply would not be able to open a checking account ( despite having a credit card and savings with them ). 
It also states on the bottom of the application that they need either of the XXXX, not necessarily a SSN : " Important Information To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify and record information that identifies each individual and entity that opens an account. 

What This Means for You - When opening an account, we may ask you to provide your name, address, Social Security Number or other Taxpayer Identification Number ( " TIN '' ), and other information that will help us to verify your identity. You may also be asked to provide a driver 's license, state ID card or other identifying documents. ''

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When I apply for credit and receive a " Risk-Based Pricing Notice '', the notice describes " Key factors that adversely affected your credit score '' with Equifax as the source. From more than one bank, these key factors are claimed to be : " Serious delinquency, Number of accounts with delinquency, Too many consumer finance company accounts, Too many inquiries in the last 12 months '' So, I go to Equifax and obtain my credit report to dispute these things, however the credit report I obtain from Equifax contains absolutely no delinquencies or any other negative information whatsoever. I have also never had a " consumer finance company account ''. I am not 100 % sure what that actually means even after researching the phrase, but I have only ever had student loans and an auto loan, so I do not believe I have ever had any " consumer finance company accounts ''. 

The main difficulty is that Equifax is reporting this erroneous information to banks when they pull my credit report, but when I pull my own credit report it is impossible for me to dispute these errors because I seem to be receiving a different report than the ones the banks are receiving. The one Equifax provides me is correct, while Equifax is providing a different, more negative report to the banks. 

I might think that this was an error done on the part of the banks, but it has happened more than once from different banks using Equifax as a source, several months apart. I attempted to contact Equifax for help online or by phone, but they have no way of speaking with a human about this issue, everything is automated and only allows me to dispute information I can see. I can not dispute these strange errors that only the banks are apparently given.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Mortgage (Conventional home mortgage) with TD BANK US HOLDING COMPANY (ME).
Issue: Trouble during payment process

Complaint: I have a loan with TD Bank in the state of Maine. My loan term was getting ready to expire and my statements reflected that I still owed another {$7300.00} +/- after the term was ended. I have been trying to get answers for the last two years as to what I need to do to fix this issue. I have even sent in financial paperwork for loan extension with other questions and was only told that the loan could not be modified and at the end of the term it would go to collections. I was trying to be proactive, to see what I could do to work this out with the bank, but would wait on hold to even reach someone for over 30-45 minutes and they would tell me I needed to speak with someone else. This would again place me hold for a long time with the same results. Just recently I sent an email to their online general box and have had no return response and it has been a few days. So still no answers and the term is now ending XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I pulled a copy of my credit report on XXXX/XXXX/2016 and the address listed for XXXX XXXX XXXX, was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. This address is incorrect ( I sent a certified letter to that address and it was returned to me " Not deliverable as addressed '' ). I sent this information to the Credit Bureau and asked for removal of this account from my credit report due to inaccurate information. On XXXX/XXXX/2016 I pulled my credit report again and the Credit Bureau did not delete this from my credit file, they only changed the address.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am enrolled in the Public Service Loan Forgiveness program and have been since 2011. However, despite making many, many payments under this plan under the required criteria set forth, XXXX XXXX will NOT count my payments toward the plan and despite doing all that is required of me, is claiming that I 've only made 16 payments toward the plan, leaving me with 104 more payments. When I ask them for paperwork they wo n't provide it. What they have provided proves that I 've made more payments ( all of which have been a struggle to make ) and when I point this out to them their customer service representative tell me it 's on me to prove it, and that I need to write a letter proving why I 'm right and they are wrong. They have made absolutely no attempt to correct their wrong. In addition, there has been several times when they have charged me mystery fees that are simply unexplainable. 

The final straw for me is that after making another two years worth of payments, I just received a notice from them stating I 've only made 16 qualifying payments. Again, they provide no explanation. I 've stayed in public service because of this program and it 's ended up being a total disaster thanks to XXXX XXXX. 

This situation, being just one customer up against the machine of the Federal Government, is extremely overwhelming and defeating. I do n't know where else to go or what to do. I know I ca n't be the only one ... .I read that the State of Massachusetts is filing a lawsuit against XXXX for the exact same problem I 'm having. 

Please, please help me. This is so wrong and I need help fighting this terribly corrupt company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Patient Account Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid this debt in full as of XXXX XXXXXX/XX/2015 to XXXX. The unpaid collection continues to be reported by Patient Account Services. I requested a verification of the debt and received a response dated XXXX XXXX XX/XX/2015 stating the current balance on this account is still {$1000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have several accounts/creditors that have been disputed that are re-aging items on my report many that are n't even valid. They are reporting accounts as if they are new deliquencies when they are not some I 'm not even liable to pay

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Application, originator, mortgage broker

Complaint: We are trying to refinance our interest only mortgage. This mortgage was obtained in 2007 with XXXX. When the mortgage was originated the house address was incorrect. At closing I told the title company the address was incorrect according to the XXXX XXXX but the title company said they did not care because they did not want to redo all the paperwork. XXXX XXXX XXXX then purchased our mortgage and never changed the address. Nationstar Mortgage Company now owns our loan and although they did make correct the address in their files they refuse to give this information to HARP so we can refinance our Freddie Mac loan. The bank that is willing to refinance our mortgage said Nationstar flat out refused to acknowledge the address change. Yet all the paperwork we received from Nationstar ( i.e., interest statement for tax purchases ) has the corrected address. We also received a notice of a change of address from Nationstar. How do we get Nationstar to cooperate with the bank that is trying to refinance our loan? 
As you can see from the attachments Nationstar acknowledges our address is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. The original paperwork that XXXX had was XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. This address does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with PAYPAL HOLDINGS INC. (WI).
Issue: Other

Complaint: I was attempting to use my PayPal Account to pay for an electronic fax on the website XXXX. When I clicked on the pay with PayPal tab, I was prompted for personal information to confirm my identity in order to check out. The payment process was misleading, as the consumer is led to believe they are simply confirming it is them who is attempting to use the account. In reality I was signed up for a PayPal credit account, that I never wanted. There was nothing that clearly identified the fact that I was signing up for a credit account. It will now show as an inquiry on my credit report, and it will show that I had this account and closed it. I immediately called to close the account, and did not have any problems with the company in that aspect of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Im having a hard time getting my free credit report from transunion they say they cant verify if its me but wen i go on line put all my infirmation im aproved to get my credit report if i pay i dont have a past address do to incarceration i wrote them an sent them every every address i could remember no reply i need my credit report i believe someone is using my idenity i explaind to them nothing.

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 05/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (TN).
Issue: Was approved for a loan, but didn't receive the money

Complaint: I believe this company to be shandy and as scam. They have said that I 'm both approved and not approved at the same time. They have a lot of back noise going on when they 're on he phone and it sounds like they 're using machines to change their voices.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Medical) with J&L Collection Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i got a call from a collection company regarding a unpaid bill from XXXX XXXX XXXX back from 2014. I did n't receive any bill or notification from any source before this call from collection. And i check my insurance activity for the past 2 years, all the claims from XXXX XXXX has XXXX balance ( I can provide the claim history, and XXXX XXXX does know my insurance info as they filed to my insurance many times ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit card () with CITIBANK, N.A. (DC).
Issue: Billing statement

Complaint: I opened a line of credit at Macy 's and purchased a single item. I paid the bill I received in full, but continued to receive statements reflecting a small balance ( i.e., under {$4.00} ). I called the Macy 's XXXX and paid the card off in full ( again ), and continued to receive statements reflecting a small balance. I called today XXXX XXXX XXXX, 2016 ), and the Macy 's representative admitted that her records showed that I had paid the bill in full in XXXX ; she therefore " waived '' the balance of {$4.00} reflected in my XXXX statement. Once the Macy 's representative " waived '' my remaining balance, I cancelled the account. I wonder whether Macy 's is charging other people interest payments on zero balances.

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 03/28/2017 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Managing the loan or lease

Complaint: I have paid my installment loan of {$660.00} to Avant two weeks before my due date of the first of the month. I clearly note on my payment check indicating the due date which the payment is to applied. It has been Avant policy to not accept my payment for due date indicated on my check. Avant insist that the payment it receives is extra payment. Therefore, my account is past due which incurs monthly late payment charge. The Avant response that I received is there account system does n't recognize my early payment. I should call there office monthly to notify there customer service representative that I have mailed my payment early. I strong feel that Avant penalize me make early payments on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX and XXXX XXXX XXXX XXXX both ran a Hard Inquiry on my credit reports without our authorization. 
We never heard of these companies before. Got their name from our credit reports inquiries section. The Inquiry needs to be removed. This is fraud. 
See attachment which shows the hard inquiries on our Equifax Credit Report both done on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Duplicate entries, debtor : XXXX XXXX account # same as XXXX, triple reporting, aged out account XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Application, originator, mortgage broker

Complaint: I own XXXX properties. XXXX is my XXXX CA home where I reside and the other is my XXXX CA home which I rent to a XXXX which I own. In XXXX 2015 I began working with US Bank in XXXX, CA to refinance my XXXX home in order to pay off the mortgage on my XXXX home. At that time I owed about {$25000.00} on my XXXX home and about {$360000.00} on my XXXX home. My wife and I have exceptional credit score. My loan officer never suggested that we would have a problem securing a loan. However, I was denied the loan because I wanted to much cash out of my XXXX home. The loan officer was well aware of my intended use of the money from the casjh out from a loan on my XXXX home. I believe he should have known about bank policy regarding the limits for cash out loan. He advised me that the underwriters denied the loan which may be correct. However, I should have known about bank policy before I agreed to an appraisal which cost several XXXX dollars. I believe that the bank should reimburse me for the appraisal fee and other expenses associated with my attempt to secure this loan.

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 04-06-2015 about Debt collection (I do not know) with GMA Investments, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: caller leaves a contact not from who left the message. states that we have unpaid debt which we do not have ant UNPAID debt. number calls from ( XXXX ) number to call back is ( XXXX ). They leave no name or company name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (OH).
Issue: Struggling to pay mortgage

Complaint: I submitted for a loan modification with Ditech toward the end of XX/XX/XXXX. They sent a letter to my attorney ( because I had filed for bankruptcy XX/XX/XXXX ) dated XX/XX/XXXX. I assume this letter did n't get to my attorney until a few weeks later as I did n't sign and send back info untilXX/XX/XXXX ( they were asking for paystubs and a XXXX ). I called in a few weeks after that and they stated I filled out the XXXX incorrectly. I sent back but updated XXXX on XX/XX/XXXX. My bankruptcy XXXX XX/XX/XXXX. Nothing was rcvd until XX/XX/XXXX by my attorney. It was a letter dated XX/XX/XXXX that stated they would modify but they actually increased my payment not lower it and said payment was due XX/XX/XXXX! So from XX/XX/XXXX until XX/XX/XXXX no correspondence. I have received nothing from them in the mail since the XX/XX/XXXX correspondence. According to RESPA Ditech has violated the law : 1. " a creditor must provide workout options within 45 days of a missed payment '' 2. " a creditor must notify a borrower 30 days after submission of a complete loan workout application if there 's an option to save the home '' Both of these parts of RESPA were violated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. ().
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient would not offer me any re-payment options that I can afford. As a result, I must work XXXX jobs, whilst trying to finish my XXXX, just so Navient are paid each month. i have called them several times to explain the extreme financial hardship they are putting me under but they have absolutely no concern for this whatsoever and do not offer me any alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Back in XX/XX/XXXX, I was making a deposit at Bank of America branch ( XXXX XXXX XXXX, XXXX, CA XXXX ). Based on the small talk with the teller, there were several withdraws, total at {$12000.00}, at several branches of BofA at XXXX, Florida. Right away, I knew someone somehow stealed my money as I 've never been there. Due to the fact, I speak limited English, I asked the teller to help and called the customer services of the B of A to report the fraud ( claim # XXXX ). On XX/XX/XXXX I went to local police station and file the report, the case # is XXXX. I was informed by the police officer, it 's better to contact bank of America to get the money back. Without hearing anything back, on XX/XX/XXXX, I went to the branch again to ask the rep to help and called the customer services of B of A and was told by services rep at customer department that it will take up to 3 weeks to do investigation and know the result. However, on XX/XX/XXXX, I received the letter that indicated that they denied my claim. I called the next day to ask for evidences, such as signature on the withdraws slip as it 's withdrew from the counter, also the surveillance video footage. I did n't hear anything back before I made another call on XX/XX/XXXX, I told them I never left California and never did any withdraw in XXXX Florida and wants them to showed me the evidence : signature on the withdraw slips and the video footage from that branch. They told me they 'll do more investigation and they need police department to authorize such request. When I went to police station and was told that they do n't this type 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 monetary relief