milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Chexsystems is reporting Account abuse on my report with them per XXXX XXXX XXXX XXXX XXXX. I have contacted both the bank and Chexsystems numerous times. They refuse to remove the information even though I have never had an account with XXXX nor have I ever abused an account. This is causing major issues opening a checking account anywhere.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXXI sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX ( XXXX acquired the mortgage from XXXX ). 

OnXX/XX/XXXX, I submitted a claim with cfpd due to the delay in responding to my XX/XX/ inquiring. XXXX acknowledged receipt of the XX/XX/XXXXletter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the  misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.

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 05-01-2015 about Other financial service (Check cashing) with CNG FINANCIAL CORPORATION (MI).
Issue: Advertising and marketing

Complaint: ON the day both social security and SSI XXXX fell on the same day the company shut down their computers sending most people home, in my case I lost money do to this disruption in my day, and they say they have no idea when the system will be turned back on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Ok, Back on XXXX my husband become to be on worker comp from work, and we have a lot of problem back them. he was facing foreclosure from XXXX XXXX XXXX and, he was going crazy to save the home ware we live with our XXXX kids. So he was refer to get help from PA HOUSING FINANCE AGE, so they help him to save the property with o low montly payment until the situation change. Well with all this mess and bills, from al type that a home can have, with fill the banckcrucy chapter XXXX on XXXX and was aprove, we pay bak part of the money in 3 years of 5 year agreement, we dit a loan modification, and thinks star to change good for us ... now at that point my husbad have the home loan with XXXX XXXX, and the PA HOUSING FINANCE AGE borrow him the money to save the home ... when with dit the bankcrucy we have the benefit to have remove that loan because the hosue is under water..so he old XXXX dolarr on home morgage and the hosue price is only XXXX, plus the deb of {$19000.00} with interes and fees from Pa Housing Finance Agency . so this was aprove by the Agency and courth, and that deb become to past a unsecure deb, so was remove and we dont have to pay bak that loan.

whern that happen i have to sing as JOIN on that loan since iam on the DEED of the property so we are secure if anything happen ... .Now i see on my credit report that show and iam traying to buy a home even if has been remove and we dont have to pay back and become a unsecure ..some bank are taking this as excuse to NOT aprove the loan ... .becasue this show on my credit. i have this dispute this to thenAgency tru the credit dispute page and the Agency dont wan to remove that from my credit. 
this was my husband loan with XXXX XXXX, iam not on that loan..and i have to sign that document from PA HOUSING FINANCE AGE because iam on the Deed ... and was the only option we have to sabe our home.

this is what is hurting my credit score and bank or private lender dont wan to help me to get a new home for that reason.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (DE).
Issue: Credit decision / Underwriting

Complaint: I have had a continual problem with my current mortgage company year after year attempting to force outrageous homeowners insurance on me, while have had continuous good coverage with XXXX. Come tomorrow I will be contacting my State Insurance Commissioner and the CFPB to determine if it is XXXX or Suntrust Mortgage which is responsible and/or co-responsible for my last three years of TORMENT BY FRIVOLOUS & IMMEDIATE FINANCIAL THREAT. 
For the last three years I have made calls to XXXX XXXX to change my mortgage supplier to Suntrust Mortgage, Loan : XXXX All three years I made calls to Suntrust Mortgage to get automatic exchange of information. They said it was MY problem and refused to contact XXXX for any updates. 
I have years in a row spoken with XXXX staff to HAVE THIS CHANGED ON THE DECLARATIONS PAGE. YOU HAVE THUS FAR REFUSED TO DO SO YEAR AFTER YEAR. Each year I GET FINANCIAL THREATS BECAUSE OF THE FAILURE TO TRANSFER MY MORTGAGE HOLDER. 
I DID NOT REQUEST A CHANGE IN MORTGAGE HOLDING. IT WAS DONE WITHOUT ANY REQUEST BY ME!!! 
XXXX or XXXX of you incompetent financial companies is responsible for my distress. What if I was on vacation or in the hospital for a couple weeks. I WOULD HAVE BEEN ILLEGALLY SADDLED WITH AN EXPENSIVE AND SUPERFLUOUS HOMEOWNERS POLICY. 
Suntrust says I am responsible to provide the missing information, but they bought the mortgage from XXXX XXXX with nary but a XXXX paragraph letter after the purchase fact. 
XXXX year after year will call Suntrust ( after I have provided the phone number ), but never changes the Mortgage Holder on the Declarations page, causing this to be a repeating CATCH-22 financial threat. I need to know which party or both are responsible for what I believe to be an illegal financial threat and potential immediate illegal action against me. 
PS. GOD BLESS XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (I do not know) with TD BANK US HOLDING COMPANY (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted TD Card Services on three different occasions and informed them that I do not have a debt with them. They take down my number and say they will remove. However, I still receive at least three calls per day after informing them I do not have an account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: A couple of years or so ago, I attempted to understand better how to make principal-only payments on my student loans that are handled by Navient. After a lengthy conversation with the service representative, I was told that there is no effective way of making a principal-only payment even in the means by which the  Navient  website describes. The only recourse was to submit a special  XXXX  spreadsheet with a specific date and amount that was designated for principal only, and mail was the only means to accomplish this task.     Because of these obstacles, I chose to continue paying my student loans via the regular way provided conveniently on the Navient website which allows for easy auto payment, but not much else. Even when I would make several  XXXX  dollars extra in payments per month to try to have extra money count towards principal, only about  XXXX  % would be applied to principal, again, with no way of effectively directing the payments as I desired to pay off my loans in accordance with the advice of every  financial advisor I h ave spoken with ( i.e. pay extra towards principal whenever possible ).     Their tactics of making the principal-only payment so prohibitively bureaucratic are obvious and they do nothing to help me or my family be debt-free any sooner than Navient can keep us from doing so. Please help me, so I can pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an unauthorized and unjustified hard inquiry on my Experian credit report from XXXX XXXX XXXX. Experian has told me I can contact XXXX XXXX XXXX to request it be removed but XXXX XXXX XXXX is no longer in business so I am out of options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent Experian sworn statement of id theft for accounts on my report that is not mines. The accounts below are not mines. The XXXX account on my report that is mines XXXX ( XXXX ) is more than XXXX years old and the refuse to remove. All other reporting companies have removed it. 
Accounts below are all ID fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 
XXXX I also have have XXXX XXXX forms from XXXX but these accounts still show on report as Charge offs. They should have been removed.

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 09/18/2017 about Payday loan, title loan, or personal loan (Title loan) with WELLS FARGO & COMPANY (AZ).
Issue: Vehicle was damaged or destroyed the vehicle

Complaint: XXXX XXXX XXXX my XXXX XXXX XXXX was totaled in an automobile accident by XXXX XXXX XXXX. Odometer reading was XXXX. The XXXX was towed away from XXXX XXXX XXXX. Salvage title retained by XXXX XXXX XXXX. 

The XXXX was part of my Chapter XXXX Bankruptcy. The Bankruptcy was DISCHARGED XXXX XXXX XXXX. I paid off the balance of the payments mid XXXX XXXX. Well Fargo Dealer Services does know and acknowledges the BK Discharge but insists it must get a letter of confirmation from the Trustee, XXXX XXXX XXXX. There is NO WAY I could have gotten a DISCHARGE without paying off the balance of the remaining 4 or 5 months of the BK plan. 

Anyway, no amount of calls and complaints to Wells Fargo Dealer Services has gotten a LIEN RELEASE. Including a call to Wells Fargo " Office of the President '' which is a team of people who take complaints about Wells Fargo. They told me they have 15 days to respond and gave me a case number. The office of the Comptroller of the Currency gave me the Wells Fargo corporate number they have ... it is to a call center in XXXX XXXX, SD, who could not put me through to the corporate office. I did call the WF Corporate office in XXXX XXXX myself. Their answering machine says they are not taking calls ( no matter what time of day I called ). 

I still DO NOT have a lien release so I can get the insurance payoff for my totaled car. I need the payoff to purchase a car. My bankruptcy attorney has said that Wells Fargo has complicated several cases for different reasons and wished me " luck '' in dealing with WF. 

Please help me to expedite my XXXX automobile title LIEN RELEASE which I am entitled to!

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 03/24/2017 about Bank account or service (Savings account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I would like to file a formal complaint with your office regarding extremely poor customer service I have received from your customer service department of Citi Priority. As well as your executive response unit with XXXX, who has not returned numerous calls and emails left at his office. 
XXXX I have been a loyal citibank client since 2007. I currently am a Citi Priority account holder, and have received extremely poor, horrible customer service regarding overdraft fees charged to my account. I am currently residing abroad in XXXX, and travel back and fourth to XXXX frequently. I was recently charged XXXX {$34.00} overdraft fees to my Citi Priority account, for insufficient funds. I have been expecting a payment from one of my clients, which unfortunately was delayed. 
XXXX I am very unhappy with the very poor, nasty and unprofessional customer service I have received from Citi Priority, regarding my request for both of these fees to be reversed. 
XXXX I also have tried to open a Citibank savings plus account, but my account has been closed, two days after opening it. this is extremely unprofesssional, and I am really unhappy of the very unprofessional, abusive, horrible service I have been receiving lately. I want this savings plus account ending in XXXX to be immediately reinstated, as it was closed about two days after it was opened. 

XXXX I would really appreciate a member of your staff to please follow up with me to please immediately remove the block from my savings plus account, and have the account ending in XXXX immediately reinstated. 
XXXX I have recently started a new career working for XXXX here in their XXXX headquarters of their XXXX offices. I am not sure if you offer any special promotional accounts or offers for XXXX employees, but if there might be any special programs available with Citibank for XXXX employees, I would greatly appreciate any additional information. 
XXXX Please accept my most sincere apologies in advance for having to be left with no other alternative but to contact your offices. I really appreciate and respect your time, and I look forward to receiving a follow up from a POLITE and PROFESSIONAL member of your executive response team, as I have not received any response to the numerous messages and emails left at XXXX Office. Extremely unprofessional, and terrible unresponsive service received from this representative in your XXXX. You should be ashamed at his very unprofessional, and terrible customer service and follow up skills.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed all of my Inquiries on my credit reports from XXXX and XX/XX/XXXXand they did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them. The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance C. C. Employment D. D. Court Order

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 12-06-2016 about Bank account or service (Savings account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Deposits and withdrawals

Complaint: Background : My business savings at Huntington is used for paying taxes and insurance only, therefore I put money in on a monthly basis, till they are due in XXXX. 
I reviewed that account on XX/XX/2016, only to realize it had been hacked on the Bank end, going back several months. I filed a fraud alert that day ; Huntington Bank returned most of the money within a couple weeks, however, refuses to return the remaining saying they only return back for 90 days. They are refusing to return {$840.00}. I 've called headquarters, and spoken to the Bank manager, but now I 'm hoping you can help. I feel I am being pressured to accept it or go through the extensive work to move everything to another institute. As a business owner, I have several tentacles wrapped into my XXXX accounts with Huntington. To move would be costly and time consuming. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I opened a XXXX XXXX account with XXXX on XX/XX/XXXX and enrolled in their XXXX debt cancellation program. Under this program my debit up to {$10000.00} will be cancel if I remain Unemployed for more than 180 Days. I remained unemployed for more than two years. 
This collection Agency reporting wrong date of account opened ( XX/XX/XXXX instead of XX/XX/XXXX ) and still trying to collect this debit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Navient keeps adding and removing account balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one they did not have my correct contact information or name which cause me to not be contacted when my loans were out of forbearance. I was not notified until XX/XX/XXXX when o tried to enroll in XXXX school. I was told then that I had to pay {$500.00} to bring my account current. Once paid the account was never removed from my credit file and it still shows open. During XX/XX/XXXX until XX/XX/XXXX I was in school my loans still reflect late payments during the time they were to be deferred. I respectfully ask that these late payments XX/XX/XXXX=XX/XX/XXXX be removed and set current! I also would like loans older that 6 years be removed off my credit report as they are pass the SOL for the state of Ohio.I need this done as soon as possible as Navient is doing illegal collecting and reporting practices

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We have tried to obtain a modification from Wells Fargo and have been denied 5 times in the last few years. We paid our mortgage for 7 years before falling behind this last time. We worked with a Home Preservationist ( XXXX XXXX ) who indicated that we did n't have to keep making payments ; that at the end of the process all the past due would be put at the end of the loan. ( Please see documents at end of email to explain situation ) Please note the last statement we received indicate we were behind 13 payments of XXXX and the form dated XXXX/XXXX/XXXX states that the payment was {$980.00} and going to XXXX starting XXXX/XXXX/XXXX, which is not here yet. Also, after all we have gone through they are raising our payment and our interest rate! 
We want to keep our home and I have written to the CEO of Wells Fargo via email at least 3 times and he may have referred my inquiry to someone, but he did not answer me at all. I also spoke with a home preservationist recently ( XXXX XXXX ) who stated " some mortgages are not worth saving and maybe it is time to move on ) We have been fighting for almost 2 years and we do n't want to move on - if we did we would n't be fighting so hard.

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 08/26/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was settled in XXXX of 2017 and is still shown on my XXXX not paid. The company XXXX XXXX has removed it from XXXX but not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX should not have been a hard inquiry. 
I was told by the XXXX XXXX representative that it would n't be a Hard Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I had to several hardship, I loss everything and had to file bankruptcy. I was advise per the bankruptcy these student loans should have been discharged. I have not been able to get a job with this degree from this university. I am truly in need of some assistance. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX is reporting an inaccurate debt that was in face paid in full to the credit bureaus under my name. This company has harassed me in an attempt to collect a non legitimate debt, and then continued to call me after the debt has been paid in full. XXXX is reporting a closed account to all XXXX credit bureaus and has shown to use non legitimate information to verify the debt. I have disputed the account to no avail, and the company refuses to delete it from their record. Even though the account was paid in late XX/XX/XXXX, XXXX has continued to report this account, the latest time being XX/XX/XXXX This is an unfair representation of my financial history and should be deleted immediately.

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 02-10-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan modification,collection,foreclosure

Complaint: First to take action on a foreclosure, fraud not the owner in due course, continue with proceedings while under QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation