milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2018 about Student loan (Federal student loan servicing) with MOHELA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The total amounts of student loans outstanding are incorrect, partially not issued to me, and interest rate calculations are incorrect based upon status of loans at various points in time since XXXX. Please see attachments for details and explanations, dates, amounts, etc. Thank you, XXXX XXXX Direct Dispute In partnership with Submission PendingSubmitted to XXXXUnder InvestigationCompleted XX/XX/XXXXXX/XX/XXXX Estimated Completion Date Status Details XXXX received your request on XX/XX/XXXX and they are currently processing it. XXXX  normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. 
Mail : XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays MOHELA/XXXXReported on XX/XX/XXXX {$11000.00} Dispute Reason Ownership : The creditor agreed to remove my liability on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with RAYMOND JAMES BANK, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX does not follow up with borrowers about foreclosure, they do not communicate with a law firm when XXXX is assigned to represent the borrower. They do not keep track of received documents nor do they have a dedicated person reviewing those documents for accuracy. A Short sale file was submitted to them on XXXX XXXX. After attempting to fill their document needs they closed the file because we did not get them a complete package in time. All this without communicating what was missing or following up. When calling you are forced to deal with a customer service person that does n't know what is going on with the file. Now these borrowers are going to be foreclosed on because XXXX XXXX does n't know how to work short sales.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Student loan (Non-federal student loan) with SUNTRUST BANKS, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was in school for over six years, XXXX of my loans was sold to various lenders. I was never made aware of this and now 6 years later, it is the only negative thing sitting on my credit report, and almost double the original amount. The contacted the collection agency about payments or settlement and they want far above what I can afford, and almost 2 years worth of payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Foreclosure- Fees and Cost Dispute - Sale date XXXX/XXXX/2015. 
{$6700.00} Force placed insurance, XXXX clearly had own insurance for the entire duration of the mortgage w/ supporting docs- forced into foreclosure- lender closed the loss mit assistance file while dual tracking the file into foreclosure, XXXX could never reach for one person to handle the acct- escalations gave conflicting information always promised to call and us updates as to the status of file, but did n't. The XXXX had XXXX and since authorize someone else

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have never been contacted by this company and they appear on my credit report with me being able to dispute the debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Checking or savings account (Checking account) with U.S. BANCORP (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened an account with US Bank on XX/XX/2018. I wasnt able to switch my payroll to the new bank account until the end of XX/XX/2018 ; however I had to get a check issued from my employer and have direct deposit scheduled into that new bank account from then on. I have been at this place of employment for 4 years. I deposited my check on XX/XX/2018. It showed I had the available funds on XX/XX/XXXX and XX/XX/XXXX. However when I looked at my account on XX/XX/XXXX, it did not show funds avaialable. I contacted US Bank on XX/XX/XXXX customer service and was directed to the fraud department. The fraud department had closed early so I contacted US Bank customer service again. They told me to contact the fraud department in the morning and to work with my local branch. I called the US Bank fraud department on XX/XX/XXXX at XXXX am XXXX time. They told me I needed to work with my local branch as they put the hold on it so that they could verify funds with the other bank. I went to my branch when it opened at XXXX am. The banker indicated that they did not put the hold on and that the fraud department did and there was nothing they could do. They contacted the fraud department and they said it was placed because it was different activity for my account. I had just opened this account and this was my first paycheck to be deposited. They refused to verify funds through the other bank. They said the hold would not be released until XX/XX/XXXX. The check will have already cleared the employers bank by then ; however US Bank refuses to release the funds sooner even if they have already received the funds. This seems excessive and an abuse of their ability. I have no negative claims on my account. I am not sure how they expect people to make deposits if they withhold the funds. The customer service was very unprofessional.

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Reference XXXX Over the past few months there was an issue ( and reported to you and file was apparently closed ) regarding XXXX. There was information that was not correct and was finally determined it was due to an address change that XXXX did not make letting my account go past 30 days, first time in 30 years! XXXX notified me the issue had been resolved and they apparently notified the credit reporting agencies so they could correct the information that would allow my previous XXXX scores that were in the XXXX 's to be update. XXXX and XXXX both sent updates and both showing the XXXX  score corrected. Experian continues to show the old XXXX score ; I have notified Experian twice and have never gotten a response and they have a responsibility to do what the others did. Do not know what to do, this has been a very costly and intimidating experience over the past months and yet Experian continues to be the last to address the issue and get it corrected.

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 05/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I XXXX XXXX XXXX am a victim of identity theft, I submitted a dispute to Equifax under the aforemention case number. My dispute was supported by all documents required for reference according to Equifax and US FCRA sec.605.b, I am asking that this private corporation block or cease reporting disputed items in a timely manner according to the reference congressional act.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for XXXX {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.

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 02-02-2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian investigated the bankruptcy on my credit report but did not provided information on how they verified this debt. They have not provided he source and I know what do to other issues on my report I have frozen my lexis Nexis report. I do n't believe they actually researched this item. I contacted XXXX XXXX on XXXX XXXX, 2017 & spoke to a rep by the name of XXXX & she assured me that NO ONE from Experian verified anything in regards to my credit file & that my XXXX XXXX file is been frozen. I also contacted the XXXX XXXX XXXX on the same day & was also told that NO ONE from Experian verified any type of bankruptcy. I can provide documentation show I have a closed XXXX XXXX account if needed. But I would like this credit agency to provide proof as well. Rest assured that if Experian does n't comply, I 'm fully prepared to move forward with a lawsuit that 's in accordance with the FCRA & other laws.

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 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I 've been a XXXX Customer since XXXX XXXX, XXXX and have made numerous online purchases this company. Their records will show that I have never been late or missed a payment. Unfortunately, I found out in XXXX XXXX that my account was suspended and turned over to collections for an original {$31.00} charge that grew to approximately {$120.00} ( with late fees and interest ). When I called to find out why my account was delinquent, I was informed by the customer service representative that the address on file was our old address ( from 2 years ago ) and that the bills and collection notices were being sent to the old address. What is even more strange is that when I made my last purchase online in XXXX, I updated my shipping and billing address ( see the confirmation email below from XXXX )!!! I worked through the process to have the payment applied and most of the finance charges removed and XXXX apologized for the error and stated they would not report a negative finding to the credit company. Unfortunately, my credit report is reflecting a deliquent amount that I need to have removed. I have contacted the major credit companies and they have indicated they can not take any action as the issue rests with XXXX. When I contacted XXXX, they claim that they did not report the issue and they issue is closed on their end. I need to get this off of my credit report as its hurting my financial future. Thanks! ( XXXX account # XXXX ) See supporting documentation. Thanks!

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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: A bankruptcy account number  XXXX  is reporting on my credit report. I went to the courthouse they have no record of my social security in their system. They also told me that information is not public record and they do n't report to the credit bureau. They said its an error with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Other debt) with Rickart Collection Systems, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: According to the Florida department of financial regulations XXXX is not license to collect in Florida. In XXXX of 2017 They were added to my credit report for a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (I do not know) with RGS Financial, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Starting in  XXXX  o f 2016 i  started writing letters to the credit bureaus to attempt to remove/verify this item from my report. I then went directly to the company itself. I have NOT received a RESPONSE to any of my inquiries. I am so incredibly frustrated by the lack of response. I have NO IDEA what this is. Where it came from. What it 's for. and NO ONE WILL HELP me. This should not be on my report and is affecting my finances. this is NOT RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (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: XXXX is not properly investigating a matter with XXXX XXXX XXXX. I have a XXXX balance with Kia and Kia is still saying I owe on this account and have a chargeoff which is not true. The account balance saying owed approximately {$17000.00}. XXXX needs to send a representative to manually check the records of Kia so that it can be reflected on my credit report that I have a XXXX balance. Kia is lying about this account so XXXX  needs to properly investigate and this account needs be updated to a XXXX balance immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I was fully expecting to submit a dispute that was due today, XXXX XXXX, 2016, but my case has been closed in advance of the deadline! 

I am going to try to submit it here and call tomorrow morning to find out why my case was closed in advance of the deadline. 

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 08/16/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: In 2011 my debit card was lost/stolen I had just moved to XXXX Ga. The bank contacted me ( SunTrust ) and asked had anyone used my card? I responded no as I checked my wallet and noticed my card was n't there. So someone had used my card, deposit checks and withdrew money. They were to do an investigation but know one contacted me after a week so I was guessing that everything thing was ok but it 's not. This issue is stopping me from opening a bank account at XXXX Bank. I called XXXX the lady advised me that it showed that 's it 's clear but it 's still showing up. I want to get this cleared as soon as I can. 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 10/30/2017 about Debt collection (I do not know) with Kirschbaum, Nanney, Keenan & Griffin, P.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Because I have been a victim of identity theft I placed a alert of my credit it now as of XXXX/XXXX/XXXX has a freeze on it. On XXXX/XXXX/XXXX I received notification via XXXX XXXX  XXXX of an alert. The alert showed a hard inquiry by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
They are located in XXXX, NC. I contacted someone on XXXX/XXXX/XXXX at XXXX. They have a collections debt so I asked why would my credit be pulled without permissible purposes. I have not received any letter about any debt and considering I havent applied for credit or owe any new debt my credit shouldnt be pulled. The individual asked me for my name and I refused to give her my address and social because she didnt answer why they pulled my credit. Obviously the debt was fraudulent or invalid. I explained I never gave anyone permission to pull my credit. They cant offer any explanation. I have been working closed with the credit bureaus to keep my credit safe and information only to be violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Bank account or service (Checking account) with Conn's, Inc. (TX).
Issue: Deposits and withdrawals

Complaint: I had an account with CONN Appliances, XXXX which I was making monthly payments debited from my checking account. I paid off the entire balance on XXXX XXXX, 2016. However, they continued debiting my account for three months and counting. I had contacted them 3 times and they admitted and said they will refund money. Instead they keep taking money out. I have proof I paid off the account, but looks like there is incompetence in their finance department. XXXX different occasions I had been told to wait for the money to be refunded but is been three months and all I get is another withdraw from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been paying Experian monthly for regular access to my credit report and score only to find out that my score which they show me when I log on is significantly lower by almost 100 points based on the mortgage lender who just pulled my score. When I called Experian to inform them that this difference has cause me great harm, they basically gave me the run a round and refused to fully refund my monthly payments. I also explained to them that I was aware of the XXXX XXXX dollar fine which they had to pay based on the fact that disclosures were not prominent enough on their website based on a report by the CFPB.

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 05-04-2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Correspondence is from Credit Collection Services re : XXXX XXXX. The amount due appears to be XXXX but this is not entirely clear. The correspondence includes a STATUS UPDATE that essentially claims that my account is unpaid and seriously past due. It also states that I should call their office and that otherwise they will call me. There is no indication regarding the name of the creditor or the services provided that I am expected to pay for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Credit card protection / Debt protection

Complaint: I 'm the sole account holder of the Macy 's XXXX credit card and I gave no one authorization to use it nor did I add anyone as an authorized user. Someone used my social security number, name, address but not the physical credit card to buy merchandise worth {$7800.00} at Macy 's XXXX As a result of these fraudulent charges, I 've asked Macy 's XXXX to close my credit card account yesterday. 

More than an year ago I 've placed a security alert on my credit card account by requesting the customer service of Macy 's XXXX to verify the person 's ID before allowing purchases and allow purchases only if the Full name on the ID matches the Full name on the account and the face picture. When I called about the fraudulent charges on my account, I was told by their customer service that due to the busy holiday season, the associates were liberal and that they may not have always the time and liberty to check for the persons ' ID and that they allow purchases as long as they can pull up the account by social security number even if the person does not have the physical credit card with them. I would like to report Macy 's XXXX for not following the security guidelines I requested to be in place on my account and for letting someone who knows my social security number to use my account to buy merchandise worth {$7800.00} when actually my credit limit set by Macy 's XXXX is {$1200.00}. The current balance on my account is over {$9000.00}. I ca n't afford to make even the minimum monthly payment which is around {$260.00}.

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