milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ditech Financial LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received an alert on my experian report on XXXX XXXX XXXX that there 's a change on my credit report. I log on my report to find an account from green tree servicing l a count # XXXX showing a debt of XXXX that I owe. They do n't have the original creditor reported on the report. From the date it show this was opened XX/XX/XXXX green tree bought an expired debt that is well over the statue of limitations from hsbc. They knew this when they purchased this debt which is why they did n't notify me to dispute this before they reported it to my credit report. Green tree servicing are know for illegal actions such as this XXXX. I have enclosed a copy of an experian report dated XXXX XXXX XXXX that shows the original creditor XXXX XXXX account # XXXX ... the debt shows the account was opened XXXX XXXX balance and the date this was removed from my report XXXX XXXX. This was written off XXXX XXXX and has been past due months before it was written off which is why this is no longer on my credit report. I also in closed a copy of my current report with green tree servicing on my experian as of XXXX XXXX XXXX with this expired debt. The date opened is the same XX/XX/XXXX. This debt is expired and should not be on my report. XXXX has been deleted from all three credit bureau since XX/XX/XXXX. Green tree have purchased and expired debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion set me a letter and provided a phone number : XXXX to " get more information on the public record ''. There is no way to speak to anyone at the number. It is only automated recordings that allow you to either get a copy of your report or buy products from TransUnion. The product offers are repeated multiple times and if you do n't buy one of the or accept the " free trial '', you are disconnected.

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 06/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have had this Student Loan since 2004, at first it was with XXXX XXXX then it was transferred to Navient. The loan started with a 2 balances one at XXXX and some change, the other at XXXX and some change. I have been paying on these loans since than ... My current balances have sky rocketed to XXXX.. I just learned that the interest is higher than my payments ... so when I make a payment of {$150.00} every month it only goes towards the principle or interests ... My balance will never go down ..the balances are rising. I am single with one job..i am now having problems with physical problems which keep me sick a lot. I just can not afford to pay a higher amount, I contacted Navient to discuss other options but they say they can not help me.. Can someone please help me with this situation ... I have had other companies contact me with other payment options but they turned out to be scams ... it seems like I will never pay this loan off ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax compromised my security and opened up MAJOR risk for financial loss and identity theft. 

My name, address, full social security, driver 's license are all available to the public due to this security breach on their part. Possible identity theft makes any credit or mortgage, employment concerns, now a valid threat to my me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The year of XXXX I thought I could go back to school and maybe get a XXXX degree ... ah no that did n't work because I have been out of school way to long. Within the 2 months I received a Federal Loan. I was ecstatic I was going to buy or upgrade my computer and get better XXXX service. But after all said and done I did not make it and stop trying. I do n't recall how much money at the time I received but the time months went and years I owed more money than I have received. The loan went to XXXX XXXX then to XXXX and then Navient. I tried to pay them In XXXX by letting them take money out of my check direct deposit. I lost my job XXXX XXXX and it stopped. Have n't been able to pay them after that because I had to go on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Student loan (Private student loan) with MOHELA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I started a new loan with XXXX XXXX on XXXX XXXX. The agreed terms of the loan were $ XXXX for a 10 year period. 
XXXX XXXX XXXX XXXX XXXX increased my monthly payment to {$2000.00} without prior notice or explanation. They also adjusted my due date without my consent. 

Following is my email correspondence with them : " XXXX XXXX XXXX/XXXX/XXXX : I got a notification that the auto payment was increased to {$2000.00} from previous scheduled payment of {$2000.00}. Why was this changed? The interest rate has stayed the same at 4.25 %? An explanation would be helpful Thanks XXXX XXXX MOHELA 's Response : Hello, Thank you for contacting MOHELA. We apologize for any confusion. Due to the recent due date change for your loans ( s ) the monthly payment got adjusted to accommodate for any interest accrued. '' The change in due date was NOT authorized by me. I have asked them to reset payments to the original loan term of {$2000.00} for a 10 year fixed loan at 4.25 % Any help would be appreciated. 

Thank You XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed a CFPB compliant against XXXX XXXX. They said it isn't them that is misreporting the data. Yes, a foreclosure was started by XXXX XXXX  in XX/XX/XXXX but, the house was short-sold in XX/XX/XXXX and it never foreclosed. Experian is showing in the 24-month payment history a Charge off status XX/XX/XXXX. This is an error. You can see the other 2 bureaus do not report this information. This issue is causing me a mortgage decline because my lender says my house was foreclosed not short sold which is wrong.

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 09/22/2016 about Credit card () with TD BANK US HOLDING COMPANY (DE).
Issue: Rewards

Complaint: TD Bank Credit Card Offer for TD Cash Rewards Visa offered {$200.00} cash back when spending {$1500.00} within 90 days of account opening. Never received the {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Trouble during payment process

Complaint: Our earlier 2012 complaint ( Case number : XXXX ) needs to be reopened. Bank of America promised that we could lock our variable interest rate in at a fixed interest rate at any time in the future for our HELOC, but then they did n't abide by that promise. In settlement to the previous complaint, Bank of America promised to cancel/forgive the HELOC, but never did so. Bank of America weirdly asserts that it, without error, modified part of the main mortgage by combining it with the HELOC, however, Bank of America never reduced the mortgage by the amount of the HELOC when it purported to forgive that HELOC. 
See also outstanding complaints XXXX and XXXX. 
We are suffering real damages because of the mess this bank has put us in.

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 03/29/2015 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (OK).
Issue: Account opening, closing, or management

Complaint: I bank with Wells Fargo and I live in the state of Oklahoma. I am unable to close a CD account unless I go into a branch which is over XXXX miles away. My CD account auto-renewed against my personal wishes. 

I want to close it. I can not go into a branch because the nearest one is over XXXX miles away. 

I can not close it over the phone as per company policy ( I am required to go into a branch ). 

I can retrieve the paperwork to close the account online ( and can close it by mailing in the paperwork ), however, I must know the account number which Wells Fargo can not give over the phone. The only way to retrieve the account number is by going into a branch, which is over XXXX miles away. 

I would like to close the account without needing to go into a branch.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with Credit Plus Inc (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: CREDIT PLUS XX/XX/XXXX-XX/XX/XXXX Miscellaneous XXXX. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance. 
We 're on it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: This is my third complaint. Bank of America keeps shutting down my debit card at very inconvenient times. the only email I have received on this issue so far claimed I was making very unusual purchases. The most devastating they did was shut down my card when I attempted to use XXXX to get home from work at midnight. I 'm getting increasingly angry at them because they keep thinking they 're not even going to email me letting me know they 've done such a thing. I am making these transactions in good faith and I do n't know what right they think they have to take away my banking ability especially when I 'm relying on online Commerce to get a ride home. I try to call them and they tell me their office is closed. They need punishment if they think they can stop me from banking when I have funds but they do n't have to be available to fix the issue they have caused. They 're forcing me to carry an uncomfortable amount of cash when I 'm supposed to be able to trust them with my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: They are not applying my payments to the loans I am selecting causing my loans to default. I am not getting any help from AES

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Credit card protection / Debt protection

Complaint: I had a Citibank card for sears. When I first took it out I was called to enroll in the XXXX coverage for sears card. I had a trial period to try for free. I never really used the card so I called and canceled the coverage. They said ok. I let my daughter use it who is a single mother for a small amount is what I told her. My daughter is on the XXXX and try 's to do things on her own. Well time went on and she had charged a large amount on it. 
I get a call when I get out of the hospital from XXXX from Citibank telling me she was late on the payment and owed about {$10000.00}. I was shocked that she never told me about this. When I found out she had done this I started to pay the loan down and found out that sears had been charging for the XXXX insurance the hole time which totaled about {$2500.00}. When I called sears they said they would refund the charges and cancel it because I explained I canceled the coverage before I let her use the card. I was refunded for two months and told they had no record of me every canceling it. I explained how my daughter had run it up with out me knowing it and thought she had paid off what she had charged. I spoke to supervisors at sears XXXX and XXXX told me there was no record of me canceling it and she did n't believe me when I said I did n't know she had charged that much on it. so I had to file a request for higher up and that was denied. I told them to look at the account to prove as soon as I found out I started to pay it down quickly and to remove those charges. Come to find out it was a person at Citibank that made that decision. I told them if I would of know about the coverage on there and they did n't cancel it I would of made a claim for when I was laid up for XXXX months. They told me I stilled owed for the coverage and nothing I could do about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Credit card debt) with Navient Solutions, LLC. (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: My name is  XXXX   XXXX  .I l ive at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  in the  XXXX . My zipcode is  XXXX . A company called  Navient  keeps calling my home phone number. I have already told them to contact me by my cellphone. They call late at night and before  XXXX  constantly. I am currently unemployed and I have no way of paying off my debt. At this point, I do n't even remember what I have to pay them back for or the amount of money I owe. I have applied for unemployment benefits, but I do n't know how much money I will get. I need the unemployment money to pay for public transportation and other bills.     I want them to stop calling my home number. This is bordering on harassment.     Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: Equifax Dispute Issue I contacted Equifax about a collection posted to my credit report in XXXX 2017 and submitted a dispute over the phone with them, confirming that my date of birth, social security number, and name was correct in their system. 15 days later I called to check the status of the dispute and found out the collections agency, XXXX XXXX had the correct person. As this was fraud and not an account of mine I submitted a re investigation in XXXX  2017. It was still found to be an account of mine, which was not, as the birthday and social security numbers were not the same, so I submitted a third re-investigation. By this time I was fed up with Equifax and their lack of looking at the details in seeing that the information did not add up so I called XXXX XXXX myself and they said that the account was indeed not mine. The fact that Equifax still decided the account was in my name and deserved to be on my credit report shows the complete incompetence of the company. The investigation process used by Equifax is ridiculous as they must not investigate much into disputes as I was able to figure out more information than they were. This makes me wonder how many more have been subject to this company 's ignorance and why nothing has been done by the consumer financial protection bureau to fix these issues and Equifax 's lack of professionalism. It took me investigating and days of contacting the company and equifax to fix this issue that was all due to Equifax 's incorrect reporting. How does a CRA validate submitting a collection with different social security numbers and birth dates to someone 's account and how come the CFPB is not holding them accountable for this?

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with U.S. BANCORP (CA).
Issue: Wrong amount charged or received

Complaint: I have solo professional practice. On  XXXX   XXXX ,    2016 I o pened a new account with the same processor as required through the new Credit card processing machine and program I enrolled in.     The Credit card processor  " Elavon ''  opened my new account as I requested, however they did not close my original account as I requested on     XX/XX/XXXX  and   XXXX   XXXX  2016 .      Now I have found out that they have charged me a total of {$1000.00} in minimum fees on the dormant original account even though I had requested such account be closed and was told it was closed. These fees were improperly taken from my " new '' active account.   Thank you.

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 07-09-2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Refused to pay for modem router, that they auto billed me {$150.00}. told them to send shipping label, then adjust bill from there, I would pay them once everything was straightend out, I would purchase my own, they never sent shipping label, and would n't adjust bill, cause I still had their equipment, I still have it sitting here, all boxed up and ready to give back Do n't hardly seem fair that I 'm being punished for refusing to purchase what they were trying to force me to buy. 
I 'm the customer, and I refused that part of their services, I have had many discussions with multiple people, and not one person can seem to figure out how to send a shipping label, and adjust my bill. 
I absolutely refuse to pay {$150.00} for their equipment, especially after a good 2 years of arguments, get on the ball people!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Target denied my application for credit card. They send me a letter saying they had denied it but they did n't give me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I logged in to my Walmart Account ( Synchrony Bank ) to make sure that my account was set up for payment. I noticed that my credit limit had decreased by {$350.00}. I used the on line chat and the person was not much help and said that I will get a letter in the mail. I asked to speak to a supervisor and I said I do n't understand that I have never missed a payment and she said it has to do with my credit score. While on line I pulled up my Fico report and said since you issued me the card my credit score has gone up over 25 points so that is not the reason. She said to wait for the letter. In the meantime I got a Fico alert that my credit score decreased by 25 points. I logged on it was due to the credit limit decreased imposed on my by Synchrony Bank, nothing else had changed. Credit Limit Decreases look extremely bad on your credit report. I then waited for the letter and the credit score they have listed and what my XXXX credit score on their " website '' ( yes, they show the actual Fico Scores ) was not correct. My credit score was much higher then the letter they produced. They are trying to blame transunion when in fact this company does practice what is called credit chasing. You use your card and pay it off and then as you begin to use it again, they start decreasing the limit. I looked on my Fico forum and there are tons of complaints where Synchrony Bank has done this to many cardholders for many retail accounts. And they send a notice about two weeks later, meaning if you go to the store and use their card and you are unaware of this you could get denied and embarrassed at the check out. This should not be allowed. If I had missed payments, abused my credit or my credit score actually did decrease significantly then definitely I could see that they want to protect their money. But not only was this not true, they actually made up a score to decrease my limit.

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 07/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: JP Morgan Chase has not shown proof of paying my taxes to XXXX County. I have a contact at the county who has contacted Chase but the issue is over two months and has not been resolved despite assurances from Chase that they would look into the matter.

Company response to consumer: Closed with explanation