milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There is a collection account with XXXX for {$140.00} that was removed from my credit report, however it reappeared under another collection agency last month and as a result my score dropped. The other bureaus apparently was able to disseminate this information and it was not added ; however Experian did. Over the last few years I have noticed out of all the bureaus they are by far the most INACCURATE. As a result I have had several disputes with them over the years in efforts to clear erroneous information but despite my efforts this continues to be an ongoing battle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: C.P.A. has reported to at least XXXX credit bureau I have a debt in collections which is not mine. They claim I owe {$1300.00} to XXXX XXXX from an address in XXXX, TX in the year XX/XX/XXXX. I have lived in my current address since XX/XX/XXXX. They do n't have my SSN. Nor did they check if I ever lived at the XXXX address in XXXX, TX. 

I have called them and they are telling me I must go through all the credit bureaus to take care of a problem they knowingly created. On top of that, I was trying to make major purchase when I discovered this. As a result I did n't make the purchase because of the higher interest rate caused by the credit score. The purchase at the terms I was trying to get is no longer available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had several private student loans with Navient ( formerly XXXX XXXX ) since 2009. On multiple occasions, I wanted to either increase my monthly payment beyond that of the standard repayment plan or make an extra payment towards the principal. I found when contacting them to try and have these items completed as there was no option to perform these activities online, not only were the wait times on the phone on the order of 45min to 2 hours, the service associates were not very informative or helpful. With regards to requesting an increase in my monthly payments, once the service associate finally understood what I was trying to do, the actual value that they debited from my account was less than the value requested. For example, my standard payment was around $ XXXX/month on their standard repayment plan which was automatically debited from my checking account and I requested to have the payment increased to a minimum of $ XXXX/month. I performed this request on numerous occasions over the years as my payment history demonstrates, and each time I made this request, the servicer proceeded to change my payments to a value between {$290.00} and {$290.00} per month, which automatically decreased through the year, never actually increasing the payment to or above my requested value. When I finally noticed that this was what had happened, I requested the payments increased to values above {$310.00} and $ XXXX/month to ensure my original request was met as they were unable to fulfill what I had originally conveyed to them. Additionally, when I have requested to schedule additional larger payments towards my principal without it going toward interest payments, I was generally not given clear information or a reasonable method on how to do so. I was told to mail in the additional payment such that it is processed on exactly the loan payment due date ( of which it is not possible to guarantee mailing time nor servicer processing times ) or call on the phone the exact day the standard loan payment is due, and for a fee, make an additional payment at that time. They offered no alternative options to make an additional payment against only the principal without incurring fees or a portion of the payment going to interest. Both of these experiences, with the servicer not following through with my requests for increasing the monthly debited payment to a minimum specified value, and not offering practical options for making additional principal payments, has resulted in negative financial consequences for me as the customer and financially benefited XXXX/Navient as the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with SYNCHRONY FINANCIAL (LA).
Issue: Transaction issue

Complaint: Some body used my JC Penney Master Card without my authorization on XX/XX/2016- reference # XXXX, amount {$0.00} XX/XX/2016 - reference # XXXX ) ) XXXX, Amount {$6.00} I want to know who abused my credit card.

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 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: XXXX XXXX I was in XXXX. Tried to use my debit/credit card from Citizens Bank. The card did not work either as debit or credit card. ( Plenty money in the account ). Today, XXXX XXXX I went to XXXX and tried to use my card as debit and credit. Did not work. There is a Citizens Bank in XXXX XXXX XXXX. I went over to the bank and at first they had no idea why my card would n't work. Then the young lady who seemed to be a manger tried to sneak out without answering my question ; what 's wrong with my card! She said oh you got your PIN number wrong 7 times in a year so the card was shut down! No notification from the bank that they shut down my card. The teller and the manager did n't care, that is Citizen Banks policy. This is wrong on so many levels. They need to notify their customers when this happens!!!!!!!!!!!!

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Initial Complaint :  XXXX  Response : Dear CFPB, I did not receive any calls from  XXXX . I informed  XXXX  that my cell phone was stolen and provided them with an alternate contact number. They could also have direct messaged me through  XXXX . I contacted  XXXX  numerous times with calls and direct messaging. I was told to call, but when I telephoned, I was transferred repeatedly and consistently to numerous departments with no help or answers. If I visited  XXXX  multiple times, it was to open accounts for my  XXXX  children or to address  XXXX  money being transferred to them, not for my own personal use. I had to file a complaint to get them to talk to me.     First, I left my purse on the counter while shopping during  XXXX  Friday, but it was later returned. Secondly, my van was broken into and my phone, purse, and personal items were taken. A couple of my cards were compromised. As a result, I looked further into my accounts.     I confused this card with a  XXXX  card and application. I explained to  XXXX  that I had no knowledge of the account or card when I telephoned and needed to close it. Why would I go through all of this for {$35.00}?     I have slowly been transitioning to my new home at  XXXX   XXXX   XXXX  in  XXXX ,  XXXX  while it is being renovated, so I havent fully changed my address yet.     Regardless, derogatory information was reported to the credit bureaus while this issue was supposedly under investigation. I was told that the first investigation was inconclusive. Negative information should not have been reported to the credit bureau if the credit card account was under investigation, and I was not aware of the results.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This complaint is against Saks First Premier Master Card. The motive of this complaint is because the department of fraud blocked all my accounts that I have with Capital One Bank of Saks Fifth Avenue and Neiman Marcus. Because they say that I made a payment of XXXX dollars and that payment was returned, small story short telling me I 'm a liar because in this complaint I 'm going to attach a copy of status of my accounts of XXXX XXXX how they asked me and also the check by them. Because I know that they have it in their account. Also in many opportunities they have mistreated me, asking me for papers like I was doing fraud in my own account. I have sent through fax in a lot of oppurtunities of all the documents that they ask of me to prove my identity. The Saks Fifth Avenue of XXXX XXXX of XXXX, Florida. This situation has had me exhausted and embarrassment also wasting time and have embarrassment. Today, an ironic investigator presumed that I was lying. And that for him to unblock my accounts he needs copy of my driver 's license front and back, copy of my SS front and back, last statement of my cheekiness account, evidence of my check paying Neiman Marcus for the XXXX dollars. Because in his computer apparently it does n't exist. Here, attached I have all the proof that they are asking for me because through you there will be a stop the embarrassment that this store and company has put me through.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TN).
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 had Fraud on my checking account for a couple of moths that caused my payment to JCP to be returned in the amount of {$160.00}. I submitted the documents to XXXX XXXX, spoke to them on the phone and all I continue to get is letters in the mail that does not resolve my issue. They waived the late fee and stated that since it was a bank issue do to fraud that they would remove the 30 days late. It still appears as 30 days late on my credit report and I have been denied credit numerous times because of it. I am asking that they remove the 30 day late marker on all 3 of my credit reports.

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 09-03-2015 about Mortgage (Conventional fixed mortgage) with ALPHA MORTGAGE CORPORATION (LA).
Issue: Application, originator, mortgage broker

Complaint: Mortgage Loan company not following the loan officer compensation rules. XXXX of the loan officers, XXXX XXXX and XXXX XXXX are paid based upon profit generated from their loans closed. Other loan officers are paid based upon loan amount. 

Alpha Mortgage, XXXX, La. XXXX

Company response to consumer: Untimely response
Consumer complaint received 11-01-2016 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Payment to acct not credited

Complaint: I submitted multiple payments to SpeedyCash for a payday loan. They still reported to my credit bureau an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Payday loan) with Oracle Financial Group LLC. (OH).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have been receiving numerous calls from Oracle Group in XXXX New York telling me that if I did n't pa them by the XXXX warrants were going to be issued for fraud and several other charges. I thought his was odd and stopped all contact because I have n't received any letter indicating this debt, ever. Then they proceeded to call my workplace and told them the same thing about the warrants for fraud. I do n't believe this is an actual debt that i even owe and they are extremely aggressive on the phone. Threatening me with jail and lawsuits and telling me I need to keep my dogs put up for their own safety. Their names are XXXX XXXX and 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
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I was denied credit from  XXXX    XXXX   XXXX   XXXX  and Required to pay a {$290.00} deposit to open my service. When I asked  XXXX   XXXX   XXXX  to furnish me with the document they used to determine my creditworthiness, they refused and told me it is not based on my FICO (  XXXX   )  or my credit report ( also perfect ). All they told me was experian told  XXXX   XXXX   XXXX   XXXX   XXXX  to deny me credit. Yet, my Experian report is flawless with nothing negative. Experian does not provide any customer service whatsoever. I have been denied credit and stonewalled when I attempt to exercise my right to understand why I am denied credit. This sounds like a perfect case for the CFPB!

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 02/22/2018 about Mortgage (Conventional home mortgage) with 21ST MORTGAGE CORP. (GA).
Issue: Incorrect information on your report

Complaint: Re-financed our mortgage- notified company we were re-financing, had already been approved and that we would not be making our XX/XX/XXXX payment. Long story short, our new bank sent in PAY OFF check and it was received on XXXX XXXX and so we were reported 30 days past due because our payment was not made by XX/XX/XXXX. We have been 30 days late maybe once or twice several years ago during the 10 years we had our mortgage with this company. I have begged and pleaded with them to take this off ( credit report shows account closed, but that our payment is 30-59 days past due ). This dropped our credit score 20 POINTS AND I KNOW THEY COULD REMOVE IT IF THEY WERE A DECENT COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX, USAA FEDERAL SAVINGS BANK, wrote to exercise its option to close Checking Account XXXX registered in the name of XXXX XXXX XXXX . USAA had changed my ownership registration of the account in XXXX XXXX for the vague reason that I did not qualify as the registered owner of a USAA account. They printed new checks showing the new registration. However their letter was addressed to me, not XXXX XXXX ( see attached ). 

Neither XXXX XXXX nor I owed USAA money. We were not insured by USAA Our Credit Cards had a zero balance and continued in good standing. On closing the account, USAA confiscated the funds in XXXX XXXX 's accounts which had a combined balance over {$900.00}, citing their Deposit Agreement as authority to close accounts and offset funds on deposit. There was nothing to offset. Where did the money go? 

Phone calls to USAA for an explanation for confiscation of XXXX XXXX 's funds were met with obfuscation and prevarication : in XXXX call I was told that XXXX XXXX 's account was closed because of an issue with their Property and Casualty Department. When XXXX XXXX called for clarification, she was told the bank accounts were closed by the Credit Card Division. To avoid misunderstandings, it became clear we had to avoid telephoning USAA and instead document our contacts and their response using XXXX, XXXX, and XXXX letters as a legal necessity. 

I sent a XXXX letter to USAAXXXX on XXXX XXXX and a Certified follow-up on XXXX XXXX pointing out that the accounts were registered to XXXX XXXX not me. XXXX/USAA did not reply. 

To get a USAA response, XXXX XXXX was obliged to file a complaint ( Case XXXX ) about USAA with the Consumer Financial Protection Bureau on XXXX XXXX, XXXX. Via the CFPB, USAA replied : " XXXX checks, {$160.00} and {$800.00}, made payable you and to XXXX XXXX had been mailed on XXXX XXXX, XXXX. '' XXXX XXXX challenged USAA 's infallibility and asked for proof/substantiation that a check had in fact been issued and mailed ; had it been cashed? A copy of her response was also directly XXXX XXXX to USAA. USAA received the letter but did not did not reply. 

It appears that USAA kept the {$900.00} + without explanation, asking us to believe that " the check is in the mail. '' Equally troubling, USAA deleted the checking and savings accounts from their web site. 

USAA has had at least 8 months to research their response : Where is the money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Other mortgage) with Selene Finance LP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was originally with XXXX XXXX XXXX. After putting in at least XXXX modification packets it was sold to a company called Selene Finance in XX/XX/XXXX. I received a letter stating that my most recent modification packet was also sent along with our loan. However of course Selene says it did n't receive the information so we had to resend a new packet to them. All of this information was sent and now we are being told after receiving a letter with a check off list of all the documents that were sent that they do n't have them and we are to overlook the letter. That 's not the worse part of my complaint. I have been told for the past few weeks that if I do n't allow a real estate agent in my home to take pictures that our modification wo n't even be considered. I was told on the phone on XXXX XXXX, 2015 that my house is valued at least around {$170000.00} so why in the same conversation you tell me that if we do n't allow someone inside to take pictures of the home you ca n't get an appraisal of the property but they continue to have someone show up at my home almost every other week since they took over the loan. I was also told last week on XXXX XXXX and on yesterday XXXX XXXX that I need to allow them in my home or my modification wo n't be looked at. I have never none this to be the only way to get an appraisal or even be able to be considered for a loan modification when you have everything that you need. I feel as if they have no interest in even doing a modification and for them not being able to come in my home and take pictures will be the excuse they do n't look at our packet and consider helping us save our home. I was told by XXXX to make a complaint here. I really hope it will help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I made my XX/XX/XXXX mortgage payment of {$1500.00} on XX/XX/XXXX, in the amount of {$1700.00} ( {$170.00} additional ) I made my XX/XX/XXXX mortgage payment of {$1500.00} on XX/XX/XXXX in the amount of {$1900.00} ( {$370.00} additional ), that payment noted as " additional funds received '' XX/XX/XXXX, my CitiMortgage history notes my XX/XX/XXXX payment not being made and a late charge of $ XXXXposted to my account history. 
This is not the first time my CitiMortgage account has had payment posting errors. Please contact CitiMortgage demanding that they correct my mortgage payment history to reflect the XX/XX/XXXX payment being made on XX/XX/XXXX, the {$69.00} late charge posted on XX/XX/XXXX removed, my CitiMortgage account history noted as current, paid in full as agreed, and a letter of apology from CitiMortgage to me.

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 03/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CO).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Initiated the application process for a Wells Fargo credit card but did not complete the application process. I did not agree to the terms and conditions which were presented during the application process. When presented with the terms and conditions agreement page I closed out of the application.

Even though I did not agree or authorize an account to be created in my name I received a credit card approximately two weeks after initiating the application process. A balance transfer was made to another credit account which had a zero balance. This resulted in a balance transfer fee of {$270.00}. The initial balance of {$9000.00} was refunded to Wells Fargo. However, after multiple attempts at resolution I am still encountering resistance from the XXXX XXXX XXXX XXXX XXXX  on canceling that balance transfer fee and closing the account which was never authorized.

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