milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My husband and I requested a credit investigation in late XX/XX/XXXX. Equifax and XXXX XXXX have not responded yet, despite follow-up attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Billing statement

Complaint: Recently I paid off my credit card balance with CitiCards and logged into their website to download a copy for my bookkeeper because the usual statement was n't digitally sent to my bookkeeper via the online connection. CitiCards did not produce a statement for the period even though there was a starting balance and 2 payments made. I used their online chat to get a download and the representative ( XXXX, chat team XXXX ) claimed that they will not provide a digital statement and thus would not have mailed one to me. Since I had chosen to have only e-statements they would never have mailed it.This is a violation of the FCRA

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 09/29/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX University in XXXX, PA. 

I am filing this complaint with the XXXX as well as Wells Fargo in hopes that something will be done about this process before legal action is taken. I am currently making the minimum monthly payments on my student loans which I consolidated with Wells Fargo in hopes that I would get a lower interest rate and/ or payment. 
My payment is {$320.00} per month, and while this may be affordable to some people, I only make {$35000.00} a year. I ca n't afford to pay for this loan payment on top of all of my other bills, utilities and student loan payments. 
I tried to get forbearance for my loans at the beginning of the year. I called and asked to have the forms sent to me in XXXX. I waited 2 weeks, and nothing was sent. I called again in XXXX. Again I waited, and nothing was sent, I called again, and finally received the forms in the mail. I was told that if I was granted the forbearance, then the past due balance on my loans would be " reset, '' and I would not have to worry about it. 
Because of this, I allowed the past due balance, and late fees to accrue. The process for my student loan review took more than 2 months, and I was eventually told that my request was denied. I was devastated because my credit score had taken a major hit due to these loans, and I was in the process of getting reviewed for a home equity loan. 
Because of the bad information that I was given by Wells Fargo, my credit score is extremely low because I can not afford to pay the past due payment, my home equity loan was denied, and I am forced to continue to accrue late fees, and penalties. 
I hope that your representatives will be more honest with the process in the future, and I also hope that you will make the process shorter for payees who need payment assistance. 
I have made every reasonable effort to resolve this issue, but Wellso Fargo will not accommodate any of my requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX, I had {$76.00} past due with a XXXX XXXX XXXX card. The reason I was past due was because I did not receive any communication from XXXX XXXX that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, XXXX XXXX denied my request to have the late payment removed from my credit reports. I believe I was denied by XXXX XXXX without consideration that I did n't have knowledge of a late payment.

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 02-10-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying for years to modify an excessively high interest mortgage loan will Wells Fargo Bank, 7.4 %, however, the bank is a predatory lender and will not modify the loan on a permanent basis. I became ill and was unable to work for 2 years. I was forced to move in with my mother and rent my home for {$2400.00} a month which did not cover the mortgage of {$3900.00}. My mother paid the difference. I returned to work last month, XXXX 2017, and immediately started the modification process. My income dropped by over 50 % and I was told by Wells Fargo representative that I should qualify for the modification due to my circumstances. 
I was advised yesterday, XX/XX/XXXX, that Wells Fargo could not reduce my monthly payment. 
I contacted Wells Fargo executive office who provided details of the denial saying my income is not high enough for a " piggyback " approach. 
Again, Wells Fargo is trying to capitalize on their customer 's hardship. My home has equity and they offered a short sale which would benefit the bank. Please help, they are absolutely the worst lender. 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 explanation
Consumer complaint received 06/17/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Using a debit or ATM card

Complaint: XXXX of my prepaid debit visa gift card issued by USBank that I bought @ XXXX in XXXX had fraudulent charges in them even though the card was still in the package on the date that those charges occurred. I filed paperwork according to the bank instruction and found out the hard way the wait can take up to 90 days long. The customer service at dispute department is n't helpful either since it 's extremely hard to get a hold of them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2015 about Credit card () with U.S. BANCORP (MO).
Issue: Other

Complaint: XXXX XXXX XX/XX/2015Ten years ago I was XXXX. I used a U.S. Bank credit card to to buy XXXX on line. Before I realized it, I had spent {$5000.00} and owed U.S. Bank {$5000.00} more. What with interest rates and late fees the amount I owed skyrocketed.I got off the XXXX but the debt remained. I was living on an inheritance. I found a job paying $ XXXX/hr. USB wanted their money in the worst way. I could n't keep up with the monthly payments. I have less than bad credit anyway so I decided to stop paying USB ( my only credit card ). Then the letters and phone calls from USB started. I told them I did n't care about my credit so go fly a kite ( I used those words. I am a XXXX man and do not use profanity. ) The harassment continued. I felt bad that I owed the money but had no way to repay it. Finally, 4 years ago USB made a deal with me to pay $ XXXX/mo with no interest. 
Long story short, I have paid down the amount over the years from {$4700.00} to {$1600.00}. I read the article in XXXX about cfpb. I am XXXX years old now and living on XXXX. Is there any way you can help me get that remaining debt canceled or reduced. $ XXXX/mo would be useful to me as I just retired. They want it by the XXXX of each month. I have very few options in this matter. Thank You, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not believe this loan belongs to me. My identity has been stolen and this information must be removed from my credit file.

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 08/26/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: HELP! URGENT - I sent in all the paperwork on XXXX XXXX, 2015 to do a {$900000.00} loan modification. I was called last week and told that I was denied because my loan was over {$720000.00} by XXXX XXXX. I said this is crazy because XXXX XXXX sent me paperwork to get a loan modification back in XXXX, 2015 and she knew my loan was over {$900000.00}! I received a letter yesterday from XXXX XXXX stating that I did not provide a " Real Estate profit and Loss Statement ''. This was the reason for the denial. I never received any documentation that I needed to provide a real estate profit and loss nor do I have a real estate company. How can this be??? 
XXXX XXXX also said they responded to my inquiries on XXXX XXXX and XXXX XXXX. 
There was nothing about a real estate company in either of these letters. They were for the benefit of you. XXXX XXXX also said that the foreclosure sale " is less than 37 days out '' - IT IS XXXX XXXX - a week away!!!! 
There is a web-site called XXXX that lists everything I have been going through. Someone took a lot of time to create this web-site and if you review it, I think you will see how so many of us are being lied to! They never even looked at my information, they just want to get us out of our home by waiting until the last minute ( right before a sheriff sale ) to deny us on the loan and basing the denial on XXXX different items which are totally incorrect:1. loan over {$720000.00} ( then why did I fill out all the documentation???? ) 2. no real estate profit and loss sent ( I was never asked for this and I DONT OWN A REAL ESTATE COMPANY SO COULD NOT HAVE PROVIDED IT ) Please help. Wells, Fargo Home mortgage needs to be investigated totally. I have written to the CEO also. 

CC : XXXX, XXXX LAW FIRM

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a credit inquiry alert from Experian credit monitoring service that 's provided to me. The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX, XXXX XXXX XXXX, XXXX, OH 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 02/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient refuses to enroll me in the IBR plan. I submitted the required documentation in XX/XX/XXXX ... did not receive a response and then found out today that Navient had been sitting on the required payment documentation since XX/XX/2016. 

My spouse first had her payment cut significantly, and now lost her job. I can not pay my loans at the current rate. Navient REFUSES to allow me to enroll in the IBR plan. They continue to ask me to jump through hoop after hoop. For example, they told me I could upload documents to their website. After filing a CFPB claim in XX/XX/XXXX they told me it had to be faxed in. I assume the same will happen again. 

Please help me force Navient to allow me to enroll in this government mandated option.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Student loan (Federal student loan servicing) with Fedloan Help (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was told that the Fed Loan Help company was taking over my student loans and giving me a payment at a much lower rate based on my income and the XXXX that I XXXX. I was told that the money I was paying Fed Loan Help was going towards paying my regular student loan payment as well as a XXXX $ fee for 4 months for their services. 
I was informed by Fed Loan Servicing that my loans have been in forbearance since XX/XX/2016 and no payments have been received by Fed Loan Help. This is not what I was told on the telephone and I would never have agreed to such contract. My loans should never have been put in forbearance and payments that were directly withdrawn from my account should have been used towards my student loan balance ( as I was told ). Fed Loan Help is a scam and did not fulfill what I was promised over the telephone. How are they affiliated with Department of Education when DOE has no recollection of what they are communicating to customers?

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Consumer Loan (Installment loan) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: Statement of Facts 1. XXXX XXXX banker offered me a revolving line of credit for use for my professional medical practice of $ XXXX. This was issued on or around XX/XX/XXXX. He fraudulently induced me into this contract by stating this line of credit " would be automatically renewed '' ( see attachment ). 

2. The account was maintained responsibly, on time payments, never late or delinquent. 

3. When I went online to make the next on time payment XX/XX/XXXX no information was available about a payment due. When I went in person to the branch, the banker confirmed and accepted the minimum monthly payment of approximately {$600.00} which I made on or around XX/XX/XXXX. 

3. Because I was still unable to access any account information on or around XX/XX/XXXX my banker XXXX XXXX CA branch discovered that the balance of {$75000.00} was due and payable in full as of XX/XX/XXXX. However, he promised my credit would not be harmed in any way because he would reinstate the credit line so that the balance would not be due in full. ( XXXX had replaced XXXX who quit without informing XXXX of our agreement. ) 4. I did not receive any notification that the balance would be due on XX/XX/XXXX 

4. Subsequently, XXXX failed and refused to return my calls. Around XXXX I discovered that contrary to his promises, this account was reporting as XXXX days late, which ruined my credit score, and caused me medical, financial, and emotional losses. 

5. On or around XX/XX/XXXX I was informed that XXXX no longer worked at XXXX but he failed and refused to properly handle my account. 

6. The Bank agreed to remove the late payments due to the error under the condition that I agree to an installment loan of $ XXXX at a predatory interest rate of XXXX % interest per annum, wtih payments of {$2200.00}. I did not want an installment loan ; I wanted a revolving open line of credit for patient care and medical supplies which I was promised at the onset in XX/XX/XXXX. 

6. On XXXX I received and signed the new installment loan documents under duress and contrary to the written agreements of XXXX to automatically renew the line of credit. 

7. To date, as of XX/XX/XXXX, the Bank has failed and refused to update my account as paid in full never late. By inducing me to sign a new set of loan documents while not fixing my credit, the bank is putting me into an untenable position of denying me the ability or means to satisfy these obligations. 

8. Furthermore, I underwent a serious life-threatening medical procedure in XX/XX/XXXX, and the Bank 's mishandling and misrepresentation of these accounts has caused me mental and emotional anguish complicating my full recovery in which I have been denied adequate XXXX XXXX on the basis of my credit, causing me XXXX seeking protection under the Americans with XXXX XXXX ( XX/XX/XXXX ) and applicable law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL 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: OnXX/XX/XXXX, I wrote a letter to XXXX XXXX requesting they review my request for goodwill deletions for the 2 months that show 30 days past due on my credit. I was impacted by Hurricane Irma ( two large trees fell into the middle of my home and I was injured ) and am in need of securing a new place to live. Since those marks are older and I have not gone 30 says delinquent since then, I requested the delections. Unfortunately, I have a XXXX XXXX  and can not talk by phone so I contacted Ally using the address they provide on their website. In response, I received a letter dated XX/XX/XXXX acknowledging receipt of my letter but it said if I do not call them by XX/XX/XXXX,,  they will not respond to my request and will withdraw my inquiry. That poses an issue for me medically.

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a letter from XXXX XXXX XXXX stating the balance as of today is {$0.00} and a payment of {$330.00} was made on XX/XX/2017.

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I had reached out to  XXXX  to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at  XXXX  advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with the Fraud department, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usua l 24-48  hr bit, knowing that i was just being thrown to the wolves. I am also having this issue with  XXXX  and Equifax where i can not get any of my free credit reports with some type of error stating that my information could not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (I do not know) with Bison Recovery Group, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has called me multiple times. Today, specifically, they asked to speak to XXXX XXXX. I asked who was speaking. The lady on the line said XXXX. I said, " Ok XXXX, where are you calling from? '' She says, " BRG ''. I said, " What is BRG? '' She said, " Is this XXXX XXXX? '' I said, " What is BRG ''? She then says, " Is this how this conversation is going to go? '' I said, " What is BRG? '' She then says, " I am not allowed to disclose personal information '' To that, I reply, " Telling me what BRG is, is not giving out personal information ''. She then says, " I 'll call back later ''. This is not the first time they have refused to tell me what BRG is. Their called ID is very sketchy and says " Unbound '' followed by 5 or 6 numbers. I have never heard of BRG and have no idea why they are calling but I do n't want to even attempt to find out why they are calling if they are n't even willing to identify the company and what it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed this collection account multiple times with no resolution. This account was discharged in a bankruptcy in 2012, but it is being reported as an open collection. It should be reported as a closed collection that was discharged in bankruptcy. I have asked numerous times for the status to be changed from open to closed and the only response I receive from Equifax is that the account belongs to me! I know that! BUT IT SHOULD NOT BE REPORTED AS AN OPEN COLLECTION! All other Credit reporting agencies have changed the status except Equifax! I have also filed a complaint against the collection agency for falsely reporting this account as an open collection.

Company response to consumer: Closed with explanation