milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX client, XXXX XXXX is a victim of identity theft. She was notified that someone used her information without her consent to apply for an account with CBNA. While an account was not established the application resulted in a fraudulent inquiry on her XXXX credit report X/XX/17. An official dispute of this inquiry was sent to CBNA XX/XX/17 however as of today XXXXX/XX/2017 the fraudulent inquiry is still being reported which is a violation of her consumer right under the FCRA.

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 09-07-2017 about Debt collection (Federal student loan debt) with AES/PHEAA (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Fedloan servicing {$1700.00}, {$4000.00}, {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (OK).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015, I applied for a BBVA XXXX XXXX on XXXX XXXX, 2015, I was contacted by the BBVA underwriting department letting me know that I was approved and they told me my credit line was {$20000.00}. A few days later I called to do a balance transfer and they told me that my account was closed due to security concerns but would not address the reason why. Up until this present time I have not received an explanation as to why my account was closed. I have attached a copy of the email as proof of BBVA opening my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my credit score on CreditKarma.com and it says that I have a derogatory mark on my credit from verizon for XXXX in XX/XX/2013. This is my XXXX time checking my credit in a while. I have never had a verizon account nor do I owe anyone 2400 dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am one of the at least 209,000 US customers whom had their personal information affected by the latest Equifax security breach. I was notified using their web tool on X/X/17. I 've since initiated a fraud alert for 90 days to all three credit score bureaus and have requested my credit reports via paper mail ( as their  web site tools are down ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian continue list XXXX different collection accounts from XXXX XXXX XXXX on my credit report which are not mine.There is no ending of their harrasment and the intentional pain and suffering they are inflicting on me.I request them to delete all this accounts from my credit reports ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was a XXXX XXXX Credit card customer since 2006. I have never for the history of the card ever had a late payment on this account. XXXX apparently no longer handles my XXXX card which is now serviced XXXX XXXX signature credit card services. This new firm did not send me any notification of the change in providers. I was not notified of any outstanding or delinquent balance on my account. The only reason I discovered this outstanding balance was I registered for my free credit monitoring due the XXXX account hack where I discovered the outstanding balance of {$43.00}. As a result of not notifying about this balance my credit report has been dramatically impacted due to this delinquent balance. Upon finding all this out the balance was paid for in full and the account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I contacted Experian on  XX/XX/2017    about not being able to sign into and view my credit report. I was advised that there was no issue in their system and did n't know why I could n't view my report. It was also reported from others who had the same issue as mine. After being transferred among st 7 di fferent people and being on the phone more than an hour, I was finally in touch with a supervisor. Upon having a conversation with him and me requesting that I receive information on how they came to the conclusion that my inquiries and collections were mines, he told me that he would NOT disclose that information to me and all he was going to tell me is the information is verified as mine. I believe that is against the law and violates my rights! I was told that none of the inquiries could be taken care of or removed even though I advised that they were not mine, along with the collections that are reported on my account.

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 03-01-2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was contacted in XXXX 2015 by XXXX that they were cancelling my XXXX accounts due to a charge off by Citibank. I was stunned to learn that Citi bank had charged a student loan to my credit status that I was to have co-signed without my knowledge or consent. I have asked for information and verification from the Citibank and they have not submitted the information requested. I asked for copies of my signature on the loan a copy of the check bearing my name, any phone calls made to me or any communication made to me or attempts to contact me to inform me of this account prior to charge off. I have not received any of the information requested. They send me copies of documents bearing no signature however marked electronic signature was taken. I asked for how they authenticated my identity I was told by information on my credit report no direct communication was required apparently. I asked for a log of phone calls made to me, none was made, I asked for a copy of the check bearing my name there is no record of this. I asked for collection procedures and I was mailed a series of letters mailed to an address I do not live at. My Credit score was in the high XXXX to XXXX range and to have it intentionally destroyed without notice was devastating. I have attempted to resolve this matter with Citibank however they have refused to provide the information requested or try to assist in any way. I asked why was a credit report not pulled to reach me and I was told they do n't pull credit reports however they pulled a credit report to acquire my information to give a loan without making contact with me in anyway. I find it very disturbing that money was granted on an electronic signature and without getting my approval. NO effort was made to contact me. It would have been resolved very easily with a phone call. However my credit was destroyed without any attempts to collect this debt.

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: StartingXX/XX/XXXX, the three major credit reporting agencies, Experian, XXXX, and XXXX were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As of XX/XX/XXXX, the inaccurate information is still reporting on my XXXX, XXXX, and Experian credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact XXXX to correct the error. XXXX does not match public record data to consumer credit files for XXXX. XXXX performs this matching themselves. 


XXXX, Experian, and XXXX refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, Experian, XXXX, and XXXX to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.

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 04-07-2015 about Consumer Loan (Installment loan) with Ballybunion Enterprises, Inc (AZ).
Issue: Problems when you are unable to pay

Complaint: I have a judgement with this company and I am trying to pay it off, but for the last 3 months I have tried to get the pay-off amout with no results. I have contacted the XXXX time, XXXX in XXXX XXXX in XXXX another time in XXXX. The XXXX time I was told she needed to check with the lawyer and get the total. The next XXXX times I told them what was going on and was told they would research the account and get back with me. I gave them my current phone number each time and heard nothing. I feel they are just running up the intrest and are waiting to do garnishment. I have had the means to make mayments and start with a good down. My credit councler said I should ask to have this deleted due to lack off response. Any help you could give would be great. Thank you. Here is infoFREEDOM XXXX XXXX XXXX XXXX - - -Type of Loan : SECURED LOANB / XXXX, XXXX : AMOUNT IN HIGH CREDIT ORIGINAL CHARGE-OFF AMOUNT ; CHARGED OFF ACCOUNT ; ACCOUNT CHARGED TO PROFIT AND LOSS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. An Experian credit report investigation is being requested at this time. 

Thank you, 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 02/24/2017 about Consumer Loan (Vehicle loan) with TIDEWATER FINANCE COMPANY, INC. (NC).
Issue: Problems when you are unable to pay

Complaint: Harassment, Trying to collect more than owed, Failing to send written notice of debt, Failing to verify disputed debts, Ignoring Cease Communication Requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MD).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I have had a Discover Card since XXXX and I will admit that I am not always the best at thoroughly reading through my statement. I was reviewing statements recently and saw that I am being charged for Discover Payment Protection on a monthly basis. This is a program that I never authorized my enrollment into. I have since checked all of the statements that Discover has for my account online ( they only have back to XX/XX/XXXX ). Totaling up all of the charges I was charged an overall amount of {$1100.00}. This is just the last 2 years. I called Discover on XX/XX/XXXX once I came up with this total and spoke to a representative named XXXX who told me that I started getting charged for this service about 3 months ( since 2010! ) after I opened the account. I questioned how it was that they enrolled me and she said that they had previously sent out letters asking for authorization to enroll their card holders. I informed her that while I got those letters I did not sign that I was authorizing my enrollment, so how is it that Discover enrolled me anyway. She then informed me that she would cancel my enrollment and reimburse me for the last 3 charges. I asked why I was not being reimbursed for the total amount that I was charged and the response that I got was that I would not be reimbursed the total amount because the letters they sent out were what enrolled me in the program, therefore I should have known that I was being charged. I again asked how a letter that I did not sign ( and at no point did they get verbal authorization from me either ) gave this company the authority to enroll me in this program. She was unable/unwilling to answer this question and was not able to direct me to anyone else within the company whom I might talk to about the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/24/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In 2007 While I had XXXX XXXX my credit cards were used without my knowledge or consent I reported it to the creditor at the time I also filed a police report and provided information as to whom I believed had committed the theft. however the creditor sold the debt to a collection agency who continues to report the debt and renew the debt keeping it on file over seven years

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: Summary of Events : 1 ) - XX/XX/XXXX completed XXXX XXXX refinance closing and my Ditech mortgage was paid off by XX/XX/XXXX 2 ) - XX/XX/XXXX Ditech autopay was not cancelled and an extra payment in the amount of {$570.00} was issued to Ditech ; I contacted the both Ditech and the bank to try to stop the payment but was told that nothing could be done and I would have to wait for a refund 3 ) - XX/XX/XXXX I called Ditech to follow up and was told that a check was issued on XX/XX/XXXX 4 )  -XX/XX/XXXX called to follow up because no check was received but I had received other Ditech mail dated later than XX/XX/XXXX. Representative confirmed that check in the amount of {$570.00} and change had " been mailed out onXX/XX/XXXX '' and said that they could not do anything about it until 30 days after the date the check was sent. 

5 ) - XX/XX/XXXX sent a complaint via the Ditech Website, received the following response " Thank you for your recent inquiry. Your request is being reviewed and we will respond via U.S. Mail to the address of record. '' Based on my research of complaints about this company, this is a common occurrence and " 30 days '' is their typical response for delaying payments due back to customers. From what I have read, this will continue for a number of rounds while I am put off for another " 30 days '' multiple times for various reasons. Some people complained about just giving up and never receiving payments. 

First of all, I do not understand why they are not refunding the entire overpayment. I also feel like I should not have to fight or follow-up multiple times to get back a payment that is owed to me. I would appreciate any help that CFPB can provide to make sure that Ditech complies with RESPA rules and regulations. 

Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: my daughter is a   XXXX   XXXX   ... .she received a predatory credit card offer in mail interest rate 13.74 %  -23.74 % ..     cash advance 16.74 % -25.74 %  penalty up to 29.99 % a pplied indefinitely ( yes 29.99 % ) lat e payment? {$38.00} returned payment {$27.00} not to mention all the transactions fees ... {$10.00} or up to 5 % of transfer overdraft protection {$27.00} Really you disgust me ..if this is not predatory I do n't know what is  Gee I  wonder why  students are deep in  debt??  XXXX   XXXX   Director..you should be ashamed of yourself

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 10/31/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I am having a problem with Chase Bank regarding a credit card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Chase Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter for which they signed for on XXXX XXXX, 2016. Chase has not been able to provide any documentation to validate this debt. I have also filed a complaint with the CFPB since Chase can not provide proof I entered into any contract with them and have been waiting over 30 days for a response.. In addition, Chase Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. I have attached a credit reports showing the item has not been marked disputed by XXXX XXXX or XXXX XXXX, 2016 As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX Time of Notice XXXX The notice required under subparagraph XXXX shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX. 
Chase Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. 
Chase bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper information.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loans with Navient, XXXX stafford and XXXX private. My stafford loans went through rehabilitation a couple of years ago and I have really been working hard to make sure I got them paid every month. Starting in XXXX of last year navient apparently began applying my stafford payments ( which total to approximately $ 90/month ) to the private loan ( which I also pay {$60.00} on monthly as arranged by their creditor XXXX for the last 3 years ). They misapplied my stafford payments from XX/XX/XXXX until XX/XX/XXXX and now I have a terrible late payment history on my credit reports which I had been making such great progress on in addition to all the late fees. I only found this out because I recently tried to get financing and was unable to. Not only had I paid what I owed them but I even had paid more than {$400.00} in extra payments ( extra payments in XXXX, XXXX, XXXX, XXXX and XXXX ). Their website is so confusing its taken me hours going back and forth with my bank statements to even figure out where my money went.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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