milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: After completing the loan rehab program with XXXX XXXX for 2 loans, my loans were transferred back to the Dept. of Education and Great Lakes Services started handling the loan so payments were made to Great Lakes as of XX/XX/XXXX. However, XXXX did not report the correct orig. principal AMOUNT and the FIXED INTEREST RATE on said loans. Additionally, Great Lakes created a new payment schedule on XX/XX/XXXX, at which time they failed to include the payments made on this loan to both XXXX XXXX and all payments made to Great Lakes during XX/XX/XXXX through XX/XX/XXXX, they calculated the payments based on a higher interest rate and a higher ( wrong ) balance due. I advised them of their mistake on several occasions and followed up to see if they corrected same, I also requested verification of the debt and the docs that XXXX provided when the loans were transferred, all to no avail. Great Lakes has removed all info re the payment history, loan history, and other important info from their website, and essentially restarted the loan and repayment plan with inflated figures - they basically inflated the numbers to increase their income and the life of the loan. Additionally, my credit score has been negatively impacted by Great Lakes mishandling of my loans and as a result of reporting the wrong information to the credit bureaus, i have been negatively impacted financially in a way that is not quantifiable, as I have been denied loans, assigned much higher interest rates for loans and credit cards, I have been overlooked for apartments due to the purported high balance due on my student loans - you ca n't begin to put a dollar amount on the negative impact this has had on my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I 've disputed this info with the CRA 's and they were required to # 1 put the notice of dispute within 30 days of receiving my 1st dispute which they did n't and # 2 the info on my credit report is required to be accurate and complete. Each of the accounts that I have disputed are now missing the original amount. 

All XXXX CRA 's are stating these items have been verified but I can see that none of them have the notice of dispute like I mentioned and I 've seen that none of them have have the original amount as required. In addition, where 's the proof that any investigation was done?

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: my mother moved in XXXX homes in XX/XX/XXXX or XX/XX/XXXX, she is a XXXX patient an at the time could n't stay alone so i moved with her pregnant and could n't work at the time i was told being over the age of XXXX i had to sign the lease as well, later in the months my mother told me to leave her home, after wards she moved out months later, me not knowing she owes anything, now i am trying to get an apartment but national credit is saying i owe as well as my mom XXXX dollars she is living on XXXX and cant afford the debit but its stopping me from getting an apartment because they keep denying my disputes and continuously applying it to my credit report i do n't know what to do about this i contacted the XXXX housing authority but they said they apartments were demolished years ago an they do n't keep those files any more its not them looking for those payments but the collection agency is please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Credit decision / Underwriting

Complaint: On XX/XX/2015 I applied for a mortgage with USAA. Due to my income to loan ratio, I was told that I would have to receive approval from their underwriting department, which could take up to 3 business days.  I asked if there was any way to expedite the process because the sellers would like a Good Faith Estimate (GFE) as a guarantee of creditworthiness, and the mortgage representative said there was no way to make the process go faster.

On XX/XX/2015 I was called by a USAA Mortgage Representative stating that their underwriting department was wondering if there were more assets that I have available, to which I gave them my XXXX information. I was then told it could be up to another 3 days for a decision.  Again I told the representative of my situation and that I had already waited 2 days, to which I didn't think I should have to restart a 3 day wait again.  He again reiterated there was no way to make the process go faster.

On XX/XX/2015 I was notified of my loan approval. I asked to lock in a 3.625% rate program on a 30-year conventional loan, which she said she did.  I was informed they would be sending out my loan paperwork and GFE via XXXX.  I asked the representative to make that GFE available electronically so that I could send it to the sellers of the house I was trying to purchase.  The representative told me she would make the information available via USAA's electronic documents system.

On XX/XX/2015, the documents were still unavailable on USAA's electronic document system, however they arrived via XXXX and incorrectly showed a 3.25% interest rate with over $13,000 in origination and discount fees that I had never asked for, nor agreed to.  At approximately XXXX Arizona time, I called USAA to ask what was going on.  A mortgage representative verified that I had locked in a 3.625% rate and that new documents would be sent to me by XX/XX/2015. I informed her that I needed a GFE to give to the sellers and this was already taking 4 days longer than it should have. I asked her to either send the documents electronically or via fax.  She state that contrary to what was told to me the previous day, mortgage documents cannot be sent electronically, and that the department that sends our faxes had already gone home so they could not accommodate my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with Javitch, Block & Rathbone LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i keep on getting notice in mail, that i am getting garnishment, for a debit that is not mine. i keep on sending letters back to them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am a victim of identity theft and have personal information listed on my Trans Union credit report that do n't belong to me. The following addresses and employment data do n't belong to me : XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 01-04-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I tried closing my checking and savings account with Wells Fargo, but was told to call back. I did, and was told to call back and informed I would n't be charged a fee for having a XXXX balance if I kept the accounts opened. I still want to close the accounts, but now am assessed a fee. I 'd like the fees to be waived and my accounts closed. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/29/2015 about Debt collection (Medical) with Fredericksburg Credit Bureau, Inc (Closed) (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested that the agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from mycredit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I had XXXX back in XX/XX/XXXX. I was on on parents medical insurance and didnt think much about the bill. Turns out, my parents medical insurance for me did n't work because it was n't properly filled out at the Hospital. I did n't even know I had any medical bills to pay until I checked XXXX XXXX in XX/XX/XXXX. I never received a letter, phone call, or any type of notification to pay this bill from the Hospital or Debt collector. They put a derogatory mark on my credit and knocked it down over 100 points. If I knew I even had a bill, I would 've paid it to avoid the hit on my credit.

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 05-07-2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Delinquent account

Complaint: I received XXXX phone calls today between the hours of XXXX and XXXX from Synchrony bank in regards to a debt on my account. I was not award of the debt owed as they had an old e-mail address and I elected not to receive paper payments. ( I only used the card XXXX and must have forgotten that I did not sign up for autopay on the account ). I picked up on the XXXX attempt at XXXX and paid the bill and updated my email address. When I asked if I could request not to be called as frequently next time I was told that they can not control the amount of times I am called as the account is called via an auto-dialer system. I said that it was abusive to be called this many times in one day on my cell phone. They said I could talk to customer service if I would like, but I declined the opportunity as I was hoping to present my issue here. I did not provide express prior consent to be called on my cell phone. The account was purchased by Synchrony Bank about a year ago and at that time, not request for consent to call was provided to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit reporting agency is reporting a collection account in duplicate. In fact, the referenced account has not been updated on the credit report in one and a half years, since XXXX 2015, the dispute is XXXX, partial account number XXXX, which is reporting on EXPERIAN credit report number XXXX. This same duplicate account is already reporting to a newly assigned collection agency with the name of 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 non-monetary relief
Consumer complaint received 08-04-2016 about Credit card () with Automatic Data Processing, Inc. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX I got a phone call from ADP bank services asking about recent transactions on my card, I heard on the recording there was a transaction from an ATM withdrawal, the more I thought about it I was like I have n't been to an ATM recently with that card, when I called to check the balance there was nothing but XXXX dollars left on the card. I called ADP and they told me there was three transactions made on that card that morning at a XXXX bank I had never been to, withdrawing XXXX dollars XXXX times. I was in XXXX XXXX which is a good hour away with the card present in MY POSSESSION. I had the card with me the whole time, and no one else has the pin. I filed a dispute and a police report right away. I had used that card with the PIN a few days earlier at a gas pump, my guess is that the card number and pin were scanned there. I waited 10 days for the company to tell me I 'm not getting my hard-earned money back, the representative told me there was no failed PIN attempts. But yet they did n't inform me about all the failed transactions that person had, until after I asked. I argued that I physically had the card with me and if they could look up the camera they could see it was n't me or my bright red ADP card, he said there WAS NOTHING i could do, and there was no way to appeal, and said I could n't send in my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I noticed that an account XXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh XXXX regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with XXXX and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with XXXX unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. 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 09/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX, 2016 I checked my credit with XXXX XXXX and had a total of XXXX hard inquiries removed from my credit report. I checked my credit with XXXX XXXX on XXXX XXXX, 2016 and all XXXX hard inquiries were reinserted back on my credit report. Transunion never informed me that the XXXX inquiries would be reinserted. I did not receive any form of communication from Transunion as required by the FCRA section 611. I have been calling Transunion since XXXX XXXX and begging for someone to assist me. To no avail I have not received any assistance from them. I have requested to speak to a representative in the United States in the special handling or dispute department - received no assistance. Multiple agents have been belligerent, some have told me that they know there was a glitch but tough luck on me and I should file a complaint. As of yesterday, XXXX XXXX, I gave it a try again and still did not get any assistance.

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 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I opened a joint account with my husband over 15 years ago with Bank of America. Subsequently, I developed a  XXXX  that makes it very painful for me to use a voice telephone. As I am not deaf or speech impaired, I do not have a relay service nor equipment to use one. Further, use of a relay service compromises privacy in unacceptable ways. I have previously complained here regarding BoA 's chat portal, where they first said they could n't help me because it " was n't secure, '' then backtracked on that and found other excuses not to use the portal for assistance.     Despite my opening the account, my husband was listed as primary cardholder, a fact I was not aware of until I tried to get information on transactions several years ago. I attempted to resolve this through use of online chat, but was unsuccessful as BoA refused to discuss the matter or afford solutions using a medium I could communicate with. I requested they escalate to their general counsel and/or  XXXX  coordinator, but nothing ever happened.     This week, I attempted to bring my credit card feed into my accounting program. I found myself unable to either view the credit card information online, or bring over the feed, likely due to not being the primary cardholder despite my opening the account. As BoA now advertised help via  XXXX , I tried that and asked how I could get help either via chat, email, fax,  XXXX ,  XXXX , or any other online means.     Unfortunately, the person answering my query on  XXXX  said BoA had taken down chat, and help would not be available using any of those means. My only recourse is to physically go to a branch. My  XXXX  makes it difficult for me to go to a branch, my work from home job usually encompasses the hours most branches are open, and I feel I should not be penalized for having a  XXXX  by a company that offers its services to the general public.     I fully expect Bank of America to treat  XXXX  customers with the same level of customer service afforded to other customers. This is, indeed, the law. They refuse to offer me any type of reasonable accommodation whatsoever.

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 04-07-2017 about Debt collection (Credit card) with Security Credit Services, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and there were XXXX accounts involved. I did not know of this till XX/XX/XXXX when my mother became ill and passed away I did a re-fianc on the home left to me. Upon running a credit check I found these XXXX accounts that were not mine and I started checking into and filed a fraud statement with all the creditors. I received 11 letters from the agencies releasing me from the debt and they were removed from by credit profile. I never received a letter from Security Credit Services but they did take it off my credit profile and I never heard form the again. In XX/XX/XXXX the closing date for my I home I learned that they had a lien on my home. I was upset as in the 3 years since I worked on this I never heard from them. On XX/XX/XXXX the fraud paperwork was sent to them and I learned that on XX/XX/XXXX Security Credit Services Sold this account to another agency and never released the lien in their name on my home. Since XX/XX/XXXX I have reached out to Security Credit Services by mail, fax and phone. I spoke once to a XXXX XXXX that was suppose to look into it and call me back but never did, my mail and calls after that were never responded to. Yesterday I was finally able to talk to a XXXX and explained the situation. I explained that it is not fair that they have a lien on my home for an account that they do not own. That statement was ignored. I asked for the owner who is XXXX XXXX but was told she is on vacation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Payday loan debt) with Worldwide Processing Group, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received call from Forward Movement Recovery at XXXX stating I had made and online loan in XX/XX/XXXX while working for XXXX XXXX XXXX using a XXXX address. I did not live in XXXX in XX/XX/XXXX nor had I lived in XXXX since XX/XX/XXXX. I also made no online loan application during XX/XX/XXXX or in then years since I had been in XXXX. No account number or business name of the original lender were provided nor address of Forward Movement Recovery were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (UT).
Issue: Account opening, closing, or management

Complaint: This is regarding Netspend which offers XXXX dollar bonus to XXXX the referrer and referee when the referee orders a new card and loads it with XXXX dollars. I have been refered by my friend and I have ordered new card and loaded that card as well with XXXX dollars and satisfied all the requirements for the XXXX dollars bonus which never got credited. I have been calling customer care representatives multiple times and every time i get an assurance that my card will be loaded with the bonus. However, it never happens. I have contacted at least 10 times to customer services of Netspend and every time they assure me that I will get the bonus by next day but it never happens. I have met all the requirements for the bonus but we have not received the bonus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: I was sent an unsolicited debit card with an account already authorized in my name for which I did not apply for, request, nor agree to. The financial institution associated with it is trying to defraud me by opening an account in my name without my permission. It is either an attempt to steal money from me or steal my identity. The bank is NetSpend which is owned by XXXX, which is owned by XXXX XXXX XXXX in association with XXXX XXXX Bank and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation