milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I am new to united states and last year in XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with verve & surge ( XXXX XXXX XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( Transunion / XXXX & XXXX ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX XXXX XXXX XXXX  so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called Transunion / XXXX & XXXX and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with Transunion as XXXX & XXXX  always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed financial institution as a Branch Banker and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan  payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud inquires.

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 11-11-2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (KS).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2016, I applied for a loan of {$1000.00} from bigpictureloans.com. I was informed that there would be a " finance charge '' of {$350.00} and that would be worked into my fixed payments. I agreed to this and accepted the terms of the loan as i was somewhat desperate. I was not made aware of the interest rate, nor that the first XXXX installments of the loan ( {$350.00} each ) were solely " finance charges, '' until after the terms were accepted. It was not until I logged into the account, after making the first payment on XXXX XXXX, 2016, that I was able to see the truth in lending disclosure. This states that my interest rate is indeed 1,073.2674 % APR and that the finance charge is {$8900.00} this makes the total amount i would be paying back {$9900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Student loan (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Loan was taken out for my grandson in XX/XX/XXXX in which I was the co-signor. Over the course of 10 years I have made payments on the loan and am now being told that I owe over {$2000.00}. I noticed that the loan number that I had been paying on is not the same number that I am being contacted about now and have inquired why the number changed. Loan was taken out with XXXX and my request for a payment history has not been provided. I received information from XX/XX/XXXX to XX/XX/XXXX all information for prior years dating back from XX/XX/XXXX I 'm told they can not provide because they have a new system. So therefore my payments are not accounted for. My grandson had other loans and it is my belief that payments were applied to the wrong account. I am on a fixed income and am now being harrassed by a Collection Agency Financial Assest Management Systems , Inc, XXXX XXXX XXXX, XXXX, GA XXXX phone number XXXX. I am being charged intrest and late fees but no one has responded to my request to validate the debt. The original loan was for {$5000.00} in my calculation this should be paid in full at this point and if not paid in full my balance should be no more than {$200.00}. I have gone to my bank to request copies of my cancelled checks which the cost of having them to provide copies is more than I can afford for such history. I do n't know what else to do at this point. I ca n't get any information form Navient on the account formally known as XXXX XXXX. I have heard of the debt tactics that they use and how individuals seem to never pay loans through them. I do not want to be ripped off any longer and request your assistance. I have requested a bill and have never received a bill. Therefore there is no way for me to know what the true balance is that they say I owe as there is nothing to show where may payments of all these years have been applied. All I know is they took my money and applied it to someone 's 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 explanation
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans were in default status and a year ago I entered a rehabilitation program with Navient, the gal assured me that after paying the minimum payment I was making my loans would go into good standing and I would enter a new repayment plan also within 3 months of completing the rehabilitation program this information would be relayed to the credit bureaus and my credit would reflect the loans as being in a positive status/ favorable status. However, apparently XXXX of the loans were kept out of the rehabilitation program because Navient claims there was a payment made on these loans which kept them separate. I was never informed of this until my rehabilitation program ended and I am still in default status! I have accrued XXXX in interest. I am a XXXX & have been for 12 years now, XXXX. I have been released at the end of the contract due to lack of funding for education 6 years out of that 12 and laid off twice, I had to claim bankruptcy just to be able to hang on to my house for myself & my son. I feel Navient misrepresented themselves by making me believe this rehabilitation program would be a means for me to finally be in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Full honesty, I screwed up awhile ago, fell behind on payments, but over the last year was on time with every payment, and the cards are paid off in full now, and have been since XXXX and XXXX ( two separate cards ) Contacted Capital One through chat, and have a transcript of the conversation, and XXXX agent said the card could be unrestricted and it should be taken care of in a few days, checked back a couple days later, nope, and this time I 'm told they ca n't or wont, I wrote the president of the company, and explained the situation. 
Gave up dealing with them, the account is in good standing now, and has been for over a year. 

I understand I screwed up back then but I fixed it, so why am I not allowed to use the account?

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: US Bank XXXX XXXX card : Misleading marketing about 0 % interest rate on balance transfer.
After balance transfer complete, entire balance ( transferred ) must be paid in order to avoid interest on new purchases. I was instructed on first call to pay minimum balance + all purchases from prior month and the next statement showed interest as well. After calling a third time, It was explained to me more clearly that UNLESS YOU PAY OFF THE ENTIRE BALANCE, you will get interest on new purchase. I found this language in the small print on the website.
Fine print : Important Facts Please review the promotional offer and/or your Cardmember Agreement for information regarding transactional fees and how interest is charged to your account.
Interest accrues from the transaction date ( unless the promotional rate is 0 % ).
It may take up to two weeks to process promotional checks or balance transfers. Please continue to make payments to those accounts you are paying with the balance transfer to avoid late fees and interest charges You can check to see if the balance transfer has posted to your credit card account by logging in to Online Banking.
You can only avoid interest on new or future purchases if you pay your entire account balance, including any balances you create with the balance transfer offer ( s ), in full by your due date each month, even if your offer has a 0 % APR ( Annual Percentage Rate ).
If your account is set up to be paid in full each month automatically, you will need to modify this option on your account or your entire balance transfer balance will be paid off in full on your next payment date.
You can not use a U.S. Bank balance transfer to to pay off a U.S. Bank credit product.

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 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On my  Wells Fargo Visa card. I was charged a Minimum Interest Charge of {$1.00} on a balance of {$4.00}. That is an annual interest rate of over 250 %! This far exceeds the quoted interest rate on the card of 21.90 %. I believe that the company has made a false statement since their Interest Charge Calculation on the very same bill makes no mention of minimum interest charges. Please help stop this deceptive and unfair practice. There is no reason why a card should be permitted to have a minimum interest charge.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (RI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I filed a complaint with CFPB against XXXX XXXX XXXX and OCWEN regarding a bait-and-switch situation during the closing of my mortgage. They baited me by assuring me during closing that I could at any time cancel my escrow account because I put 20 % down for the purchase. OCWEN switched by refusing to cancel my escrow when I asked them and they switched from 20 % to 25 %. This was not part of the original agreement in written and VERBAL form. After I filed the above complaint with CFPB, OCWEN retaliated against me by inserting a bogus note into my credit report. Their note ( which they admitted to in my telephone conversation with OCWEN ) showed up as an Alert to the Underwriter on a new loan that I am currently trying to obtain. Their negative comment on my report probably also affected my credit score by lowering it some 10-20 points. My credit report had been consistently above XXXX over the past couple of years.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Billing disputes

Complaint: I had a Wells Fargo VISA credit card for several years. In XX/XX/XXXX, I was unexpectedly laid off. My girlfriend at the time had developed XXXX and was unable to work.So without my job we were unable to pay the rent and were evicted. The Wells Fargo credit card was close to the {$600.00} credit limit, but I was continuing to make the minimum payment or a little more each month. In XXXX my credit card was suddenly almost {$100.00} over the credit limit. When I reviewed the charges online, I saw that Wells Fargo had approved {$100.00} for XXXX renewal. I immediately called Wells Fargo Credit Card Customer Service and asked that the charge be reversed, since they had authorized it despite the fact that it would put me over my credit limit. I spoke with several people, including " supervisors '' who told me that because I had an " ongoing relationship '' with XXXX they were justified in approving the charge and they refused to reverse it. When I was unable to pay the minimum {$120.00} the next month because I was still unemployed, Wells Fargo began to add late fees, overlimit fees and penalties to the amount owed, making it impossible for me to get caught up on the charges. Had the XXXX charge been reversed, I would still have had enough to continue making the minimum payments during those months. At some point the credit card was closed and put into collections. When I finally got a job in XX/XX/XXXX, I contacted Wells Fargo Credit Card Customer Service again to set up a repayment plan. I was assured by the agent that once I had paid off the amount owed ( about {$1000.00} by then ) the card would be re-opened. However, once the amount owed was paid the card was not re-opened. I was told that because of my prior poor payment history I did not qualify for a Wells Fargo credit card. 
When the CFPB reports of the illegal actions by Wells Fargo employees were reported a few months ago I called a special phone number Wells Fargo had to report suspected actions by its employees. I called and related the above and asked that my credit card be re-opened. I was told that my issue was not related to the CFPB reports because no account had been opened in my name. Therefore, I am filing this complaint with CFPB. Perhaps there is much more to investigate at Wells Fargo?

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax had a big security breach and I was identified as potentially impacted. When I tried to enroll in the Free Credit Monitoring service offered by Equifax, their system showed birthday was wrong and the call center for trusted ID said they ca n't fix it. So I called Equifax and they gave a so-called customer service number that I can NOT get through for over an hour. Is this a big SCAM on top of a bad security breach? Equifax needs to be held responsible for all the inconvenience and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Struggling to pay mortgage

Complaint: I applied for loan modification to get caught up on my mortgage and keep my home. I received the trial agreement in XXXX and sent back the agreement online. I made my payments on time then after I made the last payment, I get a denial letter stating that the company never received my trial agreement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/2015 I received an inquiry from TJ Maxx. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Credit card) with WELLS FARGO & COMPANY (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting about 10 to 20 calls a day from XXXX Jewelers. I asked a month ago to stop calling. They did n't and I continued to get mass amounts of calls. From so many numbers I could n't begin to catch them all. I spoke with a supervisor today and told them I was getting around 15 calls a day and he literally said no we rarely call more than 10. I explained my situation and he said I should return everything. I explained I no longer had it. My husband died in 2016, I lost my job in 2016. I expected to get unemployment for a year but it turns out it was 6 months. They also admitted they called from multiple numbers daily. I am getting the same from XXXX bank those numbers come in unknown or blocked or unavailable. I am so scared to answer the phone, get the mail. I 'm already taking massive antidepressants I ca n't handle the stress. Please help.

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 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (SD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This complaint is file to have the CFPB review the attached documents and hopefully see that Wells Fargo Dealer services altered contracted due dates in order to receive additional monies toward forced insurance that already had be contractual met. They refused to answer the State Attorney General in fact they avoided answering the question all together and repossessed my vehicle all together based on the lie they created. The repossession was no more than a retaliation for taking them to Small Claims court to get them to clean up their mess they created. No matter what you request of them they will ignore you or send false witness about the whole situation

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Security Breach of 2017. Consumers were notified of this on X/X/2017 even though Equifax knew this information since XX/XX/XXXX. Unethical business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have discussed these issues for over a year with all three agencys with no avail.!!! 

Please note, I have sent in letters from agencies that have requested these agencies to take this old information off my reports. 

They will take them off then a month later put them back on even when companies have requested them to take them off. 

Each time these agencies re apply these to my reports without knowledge of deptors or myself, it severely damages my credit I have worked so hard to re build. I am requesting that adverse action be taken immediately against XXXX, XXXX, and Equifax and have them take them fix these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with CAC Financial Corp (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed