milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On  XXXX   XXXX ,  2017, I rece ived a credit report alert from  XXXX  that  XXXX  negative accounts is being reported on my Equifax report. The  XXXX  negative accounts are  1. G  XXXX   XXXX   XXXX   XXXX  and  2.   XXXX   XXXX . Equifax removed the  XXXX  accounts on my credit file in  XXXX   XXXX . I was never notified that these accounts was going to be placed on my credit prior to this being put back on my credit file Per the FCRA " If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later tha n five d ays after the date of reinsertion. '' Their customer service is horrible it seems as though as soon as  XXXX  account gets removed they come back and reinsert another one. Please find that I 've included the previous cases that I filed against them via CFPB. Notice that Equifax responded several times in regards to this  XXXX   XXXX   XXXX   XXXX  account " stating that it 's not reporting and on my credit file and th e 1st res ponse is that they deleted it '' also I attached the credit report that they claimed that they removed both items. My case is based on a previous complaint I filed with CFPB #  XXXX  against Equifax they were reporting another deleted account on my credit file and they should n't. After their investigation, they responded with a letter stating that they deleted this item. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here are all the supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Inability to resolve online account access issue. 
I have an online account with nationstar. My login ( username and password works ) but the system provides an error message -- -- HMM ... 
Keyp Your account ca n't be accessed through the Nationstar website at this time. 
Please give us a call at XXXX to discuss your account status. We 'll be glad to help. 

Importantly this message is different than the bad password error message. 

Representatives have worked to reset my password a number of times even so ( they only have a certain script I 've learned from calling in repeatedly ). Even after a password reset the system does n't work. Ironically, when I provide the reps my password they too can not login ( login is OK, it does n't give username or password incorrect message, but gets a bit further and provides the the above error message after logging in ). 

I 've worked this issue more aggressively since XXXX without success ( at least XXXX calls now ). I 've asked that my account be deleted so I can re-create it - so far without success. 

Despite the inability of nationstar to provide online access, in telephone and written messaging I 'm constantly encouraged to use the online system.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
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 have closed my credit card with XXXX XXXX and have arranged agreement for monthly installments paying monthly {$21.00} to pay off my balance. Couple of weeks ago I have checked my credit history with XXXX where I noticed that for the past seven months they have been accepting my {$21.00} and simultaneously reporting me to the bureaus for Failed to Pay that appears each month in the report, ( which makes me lose two points of my total score each month ). I have made a dispute and sent a letter to the Cardmember Service in XXXX XXXX. MO and have received a letter yesterday with a vague and general answer saying : " We have conducted an investigation of the dispute and reviewed all the relevant information you provided. Based on our investigation, we have determined the account information submitted by Cardmember Service to the consumer reporting agencies is accurate ... '' I called the number provided by them spoke with an representative who said that they right to be reporting me unless I pay them full amount today. When I said I have an agreement for installment payments with them and they have no right of reporting Failed to Pay if I do pay monthly, he said I wo n't be telling him what is right and what 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 explanation
Consumer complaint received 07/15/2016 about Bank account or service (Checking account) with Empowerment Ventures, LLC (NY).
Issue: Using a debit or ATM card

Complaint: I made a purchased using my rushcard debit card on XXXX yesterday XX/XX/2016 for the amount of {$500.00} which was canceled the same day. XXXX assured me and also provided proof that my transaction was canceled and I was not charged. I received a txt alert from Rush card that the amount has been withdrawn. When I called Rushcard customer service & also spoke to a supervisor they have my $ on hold and waiting on authorization from the bank. I have been given the run around and each agent says a different story. I have provided Rushcard with the email that was sent to me by XXXX stating that the charged was cancelled. Rushcard is hold my money for up to 10 days even though they have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I got this card in XX/XX/XXXX. It's been so long since I used it, I can't tell you what it is I'm paying on, nor have I been using credit cards of any kinds besides store credit cards. I called sometime last week to see what it is that I'm sending in payments for since I don't use the card. I was told what I'm paying is interest. I did a balance transfer in XX/XX/XXXX for $XXXX. That made my balance $XXXX. I've been paying more than the minimum amount and I even send in extra. The minimum payment is about $59 now. I have been sending $XXXX a month PLUS $XXXX EVERY WEEK for the last month or more AS WELL AS my checks from my part time job. From XX/XX/XXXX up until XX/XX/XXXX, I've been paying anywhere from $XXXX to almost $600 more than the minimum payment. My interest rate is 10.99% but yet my balance just recently went below $3200. My payments are also on time and never late. When I called the company, I called 3 times to see if they could reduce the debt so I could pay it off and my request was denied. If I haven't used the card, how in the hell can I still be paying interest? The dates that I called were: XX/XX/XXXX (twice),  XX/XX/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 03-06-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: Td bank accepted an fraudulent check against my account for XXXX three weeks ago. I contacted them immediately and went down to bank to fill out all paperwork and police report ( XXXX XXXX ) the check against my account was so fake even the branch said it was crazy, and it didnt event have a full endorsement. After repeated calls to bank, Im getting nowhere. They say its under investigation from other bank, and no one can tell me when im getting my money back, they make it almost feel like its my fault leaving my money in their bank. It was a mobile deposit against theyre bank, and no one can tell me where the check was even cashed. I called fraud line 10 minutes after it appeared on my online banking account, now I had to get a new bank account, im late on bills, and my wife had to take a half day off of work to file claim

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is mis reporting the date of last activity to Experian and XXXX for my old mortgage. The true date of last activity is XX/XX/XXXX however, on Experian and XXXX it is reporting XX/XX/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 05-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient on several occasions has redirected me to use forbearance rather than provide me with a low-based payment option.     Anytime I tried to submit my request electronically it would repoint me to the forbearance options.     I have negative reporting on my credit that includes excessive fees and charges of interest on the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Prior to being late with XXXX {$110.00} zero-interest motorcycle loan payment to XXXX XXXX XX/XX/XXXX, my credit score had been in the high XXXX. As soon as the late payment came to my attention, I immediately made up the payment in XX/XX/XXXX, however by then that mistake had caused my credit score to drop by XXXX points. After contacting XXXX about this their initial response was to go speak to the credit reporting agencies because " there 's nothing we can do about it '' while the credit reporting agencies would say the same about XXXX XXXX. Extremely frustrated, I wrote them an angry email, to which they sent me a letter acknowledging their mistake. However, my credit score is still in the low XXXX and my payment and credit history has been stellar as before my late payment. My wife and I are very upset about this incident - since we are trying to refinance, my much lower credit score is affecting the interest rate that we 're being offered by as much as one percentage point. 

Attached is the letter acknowledging their " system error '' and my FICO credit score history from my most recent XXXX XXXX statement. As you can see my score was an XXXX prior to the one late payment, and even though as of XX/XX/XXXX it shows that it 's gone back up to XXXX, for a reason that no one seems to be able to explain, this score is not reflective of the score that the lenders see when they pull my credit ( the lender is using Transunion 's Classic XXXX FICO model ). My median credit score provided to lenders is still XXXX, which is still too low to qualify for an optimal interest rate. I wish someone could explain to us why there is more than a XXXX point difference between what the credit score I receive and what the lender receives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I applied for an apartment at XXXX in XX/XX/2013 & was denied. A year later, I got a collection letter from Hunter Warfield demanding money for not taking the unit that XXXX said I was n't approved for. 

I hired an attorney who review the case & sent Hunter Warfield a letter stating I paid {$150.00} for an application that was declined and I am not responsible for the {$520.00} fee. 

Luckily for XXXX XXXX I received a notice about a a Collection on my credit report that warned me of this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Debt collection (I do not know) with Sa-Vit Enterprises, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company has been sending me noticed that I have no knowledge I have no knowledge of this debt agreement with them. 
It is illegal to collect on an erroneous debt that I have no knowledge of. I didn't have contract agreement with them. I want them to stop harassing me with sending me erroneous debt letters. They have reported it to the credit bureaus and I don't know them.

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 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MOHELA (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is reporting two accounts for student loans with a company called Mohela ( Account # XXXX ) that was opened due to identity theft. I have sent in police reports to prove this identity theft and these account still have not been removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is posting duplicate on my report it should be only be listed once.

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 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX Mortgage reporters XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX Tenant Screeners XX/XX/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 05-02-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I sent a letter to Navient asking to only be contacted via mail or email, yet I received at least 20 phone calls after they received the letter. I am also certain they received the letter because they sent me a response stating they could not negotiate terms via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Delinquent account

Complaint: Chevron is reporting me on the credit bureaus as past due 90 days. This is incorrect, I was never late with my payments.

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was  the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXXXXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: APR or interest rate

Complaint: The interest rates are ridiculous. I contacted them today and the can not offer any reasonable rates. I can consolidate, but do n't want to damage my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: During a background check for my new employer, I was shocked to find address for my in other States that I have NEVER resided. I immediately notified each credit bureau and had a fraud alert placed on my Social Security Number. In addition, I have repeatedly disputed the following inquiries and nothing has been done. Additionally, I only request credit for myself under XXXX XXXX XXXX and that should be the only name on my record. I would appreciate the removal of the following hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX 2. XXXX/XXXXXXXX - XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: My name is  XXXX   XXXX , and my bank number is :  XXXX  I have visited a website called  XXXX    XXXX   XXXX   XXXX  . It says : " free counseling online '', while in fact, it is a lie. It deducted {$150.00} from my debit card  three d ays after since I entered my bank account. I found the information about refund after being shocked at my bank account :  XXXX  :  XXXX  However, before I enter my bank account, I am not informed of it at all. I pretended I am a new customer and visited the website again. I found the member agreement does not mention the policy that is described in this website at all! I did n't know I will be charged after three days if I do n't cancel it and I can not get the refund because this website receives the customer that it 's free and does not mention the policy at all!   This company is :  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   ,    XXXX   Virginia

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 04-05-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Managing the loan or lease

Complaint: I had a car loan with Chrysler Capital for my XXXX that was involved in a total loss accident XX/XX/XXXX. I had full coverage and gap insurance that paid out on this vehicle to Chrysler capital. There was also a refund for disability insurance that was paid to Chrysler capital as well. I released my title to XXXX insurance company, as requested. Now, Chrysler capital is stating I owe them {$5600.00} due to late charges and payments that were added to the back end of the loan. I spoke with my gap insurance and they explained that they paid out based on the paperwork that they received from Chrysler capital and it sounds like to them Chrysler capital is trying to charge interest for the time of the contract which would have ended in XXXX, and that is not legal. Even if it was calculated for late payments or deferring payments, that would be no more than $ 2000.00.So I am asking for the amount that they say is still owed, to be investigated? I also have attached XXXX which is Gaps payment breakdown, based on what Chrysler Capital sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have not received any calls on my phone nor have I been contacted by mail. I had a loan from XXXX that has a balance of XXXX or more. It was XXXX. They had garnished my pay and have taken all of my refunds each year. I lost my job in 2015 n am now unemployed looking for work but also taking care of my XXXX year old mother. I had a neighbor come over to tell me a XXXX from general revenue Corp XXXX called her asking questions about me. I never received notice that my loan changed hands then another neighbor called telling me the same thing. Both said she asked if she could call them back. Both said no. Today they called my mother 's phone n left a message to call XXXX. Luckily I got the message before she did. It would kill her to know they are calling her long time neighbors. I went online n found numerous complaints about them. I could n't read all due to the large amount. Most said they are scamming and identity theft I am looking into bankruptcy because of medical debts

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 04/16/2017 about Bank account or service (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I drove by an ATM machine located outside Webster Bank in XXXX CT. I inserted the Webster 's ' Debit card and asked for {$200.00}. The ATM machine dispensed only {$120.00}. 
Immediately I went to the bank and dispute the transaction. After a week I receive a letter from Webster bank saying that after the bank audited the ATM machine it was found {$40.00} surplus and this amount was credited to my account. 
I called the bank several times and I was told that this was the final decision. 
Since the ATM machine seems to be malfunctioning that day, perhaps it dispensed {$40.00} more to someone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2015 about Consumer Loan (Installment loan) with Check City Partnership, LLC (NV).
Issue: Problems when you are unable to pay

Complaint: Payday loa lenders trap people with high interest rates and will not work out anyways to help the consumer. They would rather have the consumer over draft and be unable to pay loans. I would like to revoke authorization to my account because I have had fraud to my bank account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation