milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I enrolled in XXXX XXXX XXXX in XXXX, shortly after I was dropped because I did n't meet their criteria. In XXXX I ran my credit, surprised to see I had a federal loan amount, upon being dropped I was told that I would be responsible for equipment, not course because it was prior to 30 days. I reached out to great lakes, in order to get the matter resolved they instructed me to speak with someone at the school and if the received something in writing that they would resolve the matter, or began paying I explained that I was n't working an had XXXX kids with no income they told me that they would put my account into some sort of plan until the matter could be resolved. So I went to the school an asked for a copy of the imformation that supported me being dropped the XXXX said that id have to contact their corporate office to get any imformation because it was no longer at there facility. She gave me a XXXX number I called they told me they would have someone look into it and give me a call back. I never received a call back, after XXXX days I called back several times the last time they told me that the person handling this was out of town an would get back to me upon his arrival back. Next they were closing for fraudulent behavior an they were not allowed into records, Now I have a high student loan on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Medical) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent the company a letter for verification of debt an as well I disputed it with my credit bureau as well an they stated its been verified however I have never received any documentation. I would like the debt deleted from my credit reports due to noncompliance of the Section 809 of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I AM ASKING XXXX XXXX XXXX, XXXX AND XXXX XXXX TO CONDUCT ACCOUNT REVIEWS FROM XXXX ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: Hello, I have contacted companies on my credit report that you ( XXXX XXXX experian ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with experian just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to XXXX and XXXX when they investigated they removed and corrected debts not owed by me. Experian  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way experian. Thanks XXXX and XXXX for doing your job and please delete XXXX XXXX from your files as well. 

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 non-monetary relief
Consumer complaint received 04-08-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: This concerns EQUIFAX ; I do not have any problems with the XXXX other credit bureaus. To the point, on XX/XX/XXXX, EQUIFAX refused to provide the Free Annual Report ( online ), and then refused to provide my credit report and score, even though I was indicating, as a 'member ' ( online ) that I would pay for it. Almost immediately, I recv 'd a most disturbing email from EQUIFAX ( member benefits section ) indicating that " A change has been made to the e-mail address for your EQUIFAX account. This confirmation message has been sent to the old and new e-mail addresses. '' This is quite the concern for me, since my wife and I have had only XXXX email address since XX/XX/XXXX and have only used that XXXX email address in all of our dealings with the credit bureaus. I then promptly notifed EQUIFAX that I 've only had XXXX email address. EQUIFAX responded to inform me of a " reference number '' for my " email inquiry '' and that they " will respond within the next 2-3 business days. '' So, now it has been eight ( 8 ) business days later and still no response. This same refusal, again unexplained, took place last year when I requested my Free Annual Report. Kindly assist me by contacting EQUIFAX and asking them to respond to me. There is no adequate reason for EQUIFAX to continue to deny me the Free Annual Report and certainly not a report I am willing to pay for. I want to resolve whatever problem exists but EQUIFAX seems not to care about their responsibilities even if I am a paying customer. EQUIFAX needs more regulation and enforcement of laws protecting consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Update to prior complaint, as I have received a written response from Experian. Prior scanned correspondence has been submitted to you regarding this, and additional scans are being provided now. A total of XXXX re-aged alleged missed payments remain on my credit report. My request for copies of my original, signed consumer disclosure statements with documented payment history for these student loans has been ignored. Experian 's response does not even address that I requested written proof of their investigation, as shown in my original handwritten and notarized letter with proof of mailing already submitted to your office. I requested these for the purpose of establishing that debt re-aging had occurred numerous times in my credit file. I requested either written verification and proof of payment history, or in the absence of this, that the accounts be deleted. It is their choice as to which way they preferred to proceed, but completely ignoring what I am legally entitled to request and see was not one of Experian 's options here. However, Experian would have you and I believe the payment history has again been erroneously " verified '' without any written proof of this and that we should all simply take their word for it. This is precisely why I felt compelled to write you once again. Please help to get my credit report corrected so that I can stop being illegally penalized and denied credit as a result of Experian 's failure to keep accurate records.

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 04/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repetitive phone calls from multiple phone numbers same company. Also rude and disrespectful over phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Billing disputes

Complaint: This complaint arises from a dispute in the way the payments were applied to my Capital One card. My concerns are in reference to Credit Card Accountably Act " Require that payments above the minimum payment be applied to balances with the highest interest rates first '' This is sample of billing statements from my Capital One account Statement XXXX XXXX - XXXX XXXX 2010 Interest charge calculation Balance subject to interest interest charge Purchases 18.90 % {$860.00} {$13.00} Cash 22.90 % {$730.00} {$14.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$830.00} {$12.00} Cash 22.90 % {$720.00} {$12.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$800.00} {$12.00} Cash 22.90 % {$700.00} {$13.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$730.00} {$11.00} Cash 22.90 % {$710.00} {$13.00} During the time frame of these XXXX statements, {$410.00} in payments were made, XXXX purchase of {$62.00} was made and {$220.00} and interest and fees were assessed. 
( I have attached the XXXX statements in reference to this complaint ) It appears that payments above the minimum payment may not have been applied to the highest balance first. Would this not result in the account stated to be incorrect? Could you please look into this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I signed up for XXXX XXXX so I could lock/unlock my credit report from Equifax by pressing one button on their website. I had to unfreeze my credit via mail, which was confirmed by Equifax on XXXX XXXX. I tested the ability to unlock the report on XXXX XXXX and re-locked it on XXXX XXXX. 

The next week I planned to unlock all three credit bureau reports so I could get new auto insurance. I tried to unlock my credit using the button again the next week on XXXX XXXX. Instead of unlocking the report, the Credit Lock Status showed as " Status : An error has occurred. Please contact customer support ''. 

Since then, I have emailed Equifax multiple times, and called both Equifax and XXXX XXXX well into double digit times. XXXX XXXX  kept sending me to Equifax 's freeze department to confirm I did not have a freeze on my account. I have talked with Equifax 's freeze department three times and confirmed three times my credit was unfrozen on XXXX XXXX. 

On XXXX XXXX, a XXXX XXXX rep took my information so that their IT department could fix the error is 2-5 days. There has been no fix. On XXXX XXXX, another XXXX XXXX rep told me she escalated the issue and the error would be resolved in 24 to 48 hours. The error is still present today. 

I keep getting told either they can not do anything, to call the freeze department again, or that they will " escalate '' it and get it fixed only for nothing to happen. I can not get auto insurance as a result even though I really need to switch my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other

Complaint: Saks Credit Card Service will not issue a refund check even though I have a credit balance on my account. 

On XXXX XXXX, 2015, I called Credit Customer Service to request a refund check. On XXXX XXXX, 2015, I emailed Credit Customer Service to request a refund check. On XXXX XXXX, 2015, I sent a letter to Credit Customer Service via US postal service. 

I have made multiple calls to Credit Customer Service to inquire on the status of my check. Last week, I spoke to a Credit Customer Service Supervisor named XXXX who took my information and promised to call me back within 24 hours. He did not ever call me back. 

On XXXX XXXX, 2015 I emailed XXXX Customer Service about my refund check. I was told I would be getting a personal response within 24 hours and still have not heard back. 

I have not received my refund check which I requested 17 days ago. By law, I should have received it within seven business days of my initial request. 

XXXX. If you have a credit balance on your account, you can keep it or write your issuer for a refund if the amount is more than one dollar. Your card issuer must send you a refund within seven business days of getting your request. If you do n't ask for a refund and you do n't make any other purchases for more than six months, the issuer must make a good faith effort to send you a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: They can not disclose the results received. Even though these company 's were unable to submit any verifiable proof. No one can show a signature card or any other verifying information on the accounts. Just a generic response. That they Verified. Which is not true. These companies do not have any information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: About 3 weeks ago I tried to get my free annual credit reports. I received XXXX reports but, Equifax responded with the attached screen shot. I just had to fill out all of my information again and when I submitted the info I got the same message. If they ca n't even keep their web site working, how accurate is their information in my credit report. Incidentally, last year I was not able to get a report either????

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (IL).
Issue: Making/receiving payments, sending money

Complaint: Dear CFPB : The description below is adapted from the latest in a series of emails and phone calls to the vendor and PayPal. Hold times are XXXX plus and then being disconnected. They are not working in good faith. 
PayPal has INCORRECTLY denied my appeal through vexatious tactics. I believe that PayPal has intentionally ignored facts and defaults to decisions in their favor. I have contacted the vendor, who provides documentation that PayPal mistakenly sent them ( the vendor ) an incorrect North Carolina address. I have informed them repeatedly through phone, email, their resolution center and appeal process that : ( 1 ) I have lived in XXXX, IL since XXXX. ( 2 ) All my financial accounts have had XXXX, IL addresses since XXXX. ( 3 ) I have lived at XXXX XXXX XXXX in XXXX, IL since XXXX. ( 4 ) I can see that my XXXX XXXX XXXX ; XXXX, IL address is associated with my PayPal account. ( 5 ) At no time while completing the online order in question did I fill in or see a North Carolina address. 
Since the vendor has demonstrated that PayPal gave them a North Carolina address, IT MUST BE THE CASE THAT PAYPAL mistakenly used legacy information in generating the invoice with the North Carolina address. ONLY POSSIBLE CONCLUSION : PAYPAL IS IN ERROR. 
To resolve the error PayPal must : ( 1 ) Remit {$45.00} to XXXX to compensate them for the lost shipment. 
( 2 ) Remove the {$45.00} due from my PayPal account. 

I have spent many hours dealing with this small amount. If PayPal refuses to correct their error in a timely manner and I must continue to pursue this case, I will consider time, stress, and any damage to my credit and/or credit score in taking further action. In additions, I will file cases with the Illinois Attorney General and the Consumer Finance Protection Bureau to clarify whether you are violating any law in your obstructionist treatment of my case. Your treatment of this case has been vexatious, as you have repeatedly ignored and failed to address the facts that I have presented PayPal and refused to accept responsibility for your error. 

Their repeated conclusion in favor of PayPal is contemptuous of the facts and indicative of a process that is purely biased in PayPal 's favor and blatantly unfair. 

Although this is a small monetary amount, the principle is large : consumers should not have to pay for the errors of corporations just because corporations have the resources to antagonize consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/30/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is knowingly reporting false data to my credit report and allowing unauthorized people to make hard pulls on my credit report. They reported information as " verified '' that has recently been removed because the creditors verified they were not my accounts. Equifax has a responsibility to report accurate information and the inaccurate accounts need to be re-investigated and removed since the first " verification '' failed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone 's been using my information. Someone else 's SSN is appearing on my Experian report. An address in California, and people 's names I do n't even know. I had to verify my identity with XXXX several times and they were asking me about people I 've lived with and I do n't know those people nor have I ever lived with them. The only thing we had in common was our last name. I have a {$290.00} bill that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Hi, I was recently hired to help pay my bills. I have submitted a loan modification with Wells Fargo a couple of weeks ahead of my foreclosure date. Wells Fargo kept asking for more documents which had my foreclosure date quickly approaching. I was notified 7 days out that the could no longer accept my loan modification documents. I asked if I could sell the home. Wells Fargo reply was yes. I hired a realtor before the sale date. The realtor was notified a day after the foreclosure that they could no longer accept sale documents.

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 04-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am in the process of buying a home. I have contacted Transunion several times to remove my disputes so that my credit report can process in my lenders under writer system. This has been going on since XXXX of last year when I originally tried to purchase a property. This is effecting my ability to close and qualify for the first time home buyer program. I have called several times over the last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Received a surprise letter from CMRE XXXX stating that some one failed to bill my  insurance XXXX months ago and cannot go back.I have no other information or verification  on this company.The collection company is not ready to listen and is pressuring me to pay  and threatening to ruin my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (Conventional home mortgage) with Fidelity National Financial, Inc (OR).
Issue: Closing on a mortgage

Complaint: I was told this was just a mistake, but it is an egregious mistake that I was not likely to discover. If I 'm not alone, this could be a huge scheme. I bought a home and the agreement included an " XXXX XXXX {$380.00} '' warranty, printed clearly on page 6 of the sales agreement, which I was told was a standard 1-yr coverage for home appliances and the like. But XXXX XXXX and/or Chicago Title purchased the lesser XXXX XXXX for {$200.00}, which does not cover appliances. I only discovered this because my kid jumped on our dishwasher door and destroyed it, but would n't have known otherwise because the neighborhood is new and so are all my appliances. Upon reading the fine print, I realized abuse was not covered under the warranty I was supposed to get, so I said " Great! Just give me the {$170.00} you saved by skimping on my insurance! '' Since I only had a month left, it was a no-brainer, their mistake would help pay for my new dishwasher because that recently-discovered money had to go somewhere. But they refused, saying that they could " correct the mistake '' with the insurance company ( XXXX ) 11 months later, and give me one last month of XXXX XXXX that covered appliances, which is not worth the {$170.00} they almost pocketed so late in the warranty term. In your opinion, am I now buying 1 month of appliance warranty for the same price as as the 1-yr warranty? Should n't I be entitled to that money, having caught their mistake, given that I would no never agree to such an absurd warranty price for 1 month of coverage? Keep in mind, had I not caught the mistake, XXXX XXXX and/or Chicago Title would have never told me about the {$170.00} that was intended for me. Is this making sense?

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX repeatedly calls to speak with " XXXX '' who does not live at this telephone number.

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