milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX 2017 I checked with Equifax to see if I was impacted by the breach. Their records indicated that I am.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (MO).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was never given the mini Miranda I was told they where calling from the federal bureau of investors for the us government for check fraud. they would never id they are a collection agency I was told they would garnish my check refused validation & I do have all my calls recorded I also have voicemails left.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (NE).
Issue: Loan servicing, payments, escrow account

Complaint: I filed for bankruptcy. I got a discharge of my debts. US Bank is my mortgage holder. They refuse to report that I have a mortgage to the credit reporting bureaus. They also wo n't release my mortgage statements for the last three years.

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 07/25/2015 about Debt collection (Non-federal student loan) with SIMM Associates, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: The person from SIMM associates that I was contacted by identified me ( without XXXX stating that it was an attempt to collect a debt ) by discussing a payment arrangement we had made, then reading out to me the last XXXX of my SSN. He then disclosed that it was an attempt to collect a debt - without my telling him any information, only confirming that information which he read to me. I have legitimate concerns with the possibility my personal information was given out. When I hung up and tried to contact a manager there, I was placed back on the phone by the operator with the agent that engaged in this malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Other debt) with The CBE Group, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a collection on my  XXXX ,  XXXX ,   XXXX   of {$250.00} that was paid in full around  2009 .

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I recently reviewed my credit report and found a late payment. 

Creditor : XXXX  XXXX Account # XXXX I was never 30 days late int he month of XXXX  2017. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.

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 01/28/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (IL).
Issue: Managing, opening, or closing account

Complaint: I believe I received this offer after clicking a sponsored ad for credit card offers on XXXX. A few days later I received an unsolicited prepaid debit card displaying my name in the mail. 
Several attempts to reach a " live '' representative failed and automated methods required a SS number that I refused to supply. I have no active account with this organization, so I see no need to offer any personal information beyond my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: I had fraudulent charges made on an account I used to have with well 's Fargo, ( XXXX XXXX XXXX, MN location ). I disputed the charges with the bank, but they never resolved the issue and claimer they believed I made the charges. I even filed a police report about the charges, and contacted the MN XXXX, but Well 's Fargo responded over and over claiming they believed I made the charges. They also put this as a negative mark against my credit score and had a debt collection agency contacting me. The debit card claim number for my dispute over this ordeal is XXXX. A total of {$3400.00}. 

I felt like I had nowhere else to turn, until I recently found out about the CFPB. I have the copy of the police report, and copies of the report I made to the MN XXXX, along with the response letters from Well 's Fargo.

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 10-10-2017 about Mortgage (Conventional home mortgage) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: It has been over two months since we have applied for a refinance loan, and were informed that our loan was pre-approved. Since then we have received several documents with incorrect interest rates. It was suggested by the bank that I open a checking account with them in order to receive the best interest rate of 3.875 %, even though I already have several saving accounts with Union bank. Once I opened the account, they told me they could not give me that rate promised because they had made a mistake. The representative continued to apologize for not being able to honor the rate but that they would find something comparable. I continued to receive more documents with an interest rate of 4.625 %, and numerous mistakes corresponding to my personal information, and was advised to sign them, but I refused to sign incorrect documentation. There were close to ten documents sent to me with incorrect information, and all they could say to me was that it was the systems fault. 
In addition, the first date of closing was suppose to be on XX/XX/XXXX, and fund distribution on XX/XX/XXXX. On XX/XX/XXXX, I had not received the correct paper work, nor had I received a call from the bank representative to let me know it would not close on that day. I left messages for the representatives I was working with and never heard back from them until the following week when I received a second funding date of XX/XX/XXXX. 
Originally, my loan amount was going to be for {$520000.00}, but today I received a call from a representative of the bank stating that they could not give me the amount which was proposed several times on all the earlier documents. The new amount was going to be {$460000.00}. I have two properties that I own, and are paid off exceeding the amount of my loan. I have excellent credit, and several savings accounts with Union bank. 
The appraisal they hired took black and white photos, and did not capture the improvements of my home. It revealed that his work was the work of an amateur rather than a professional appraiser. Thus, the appraisal itself has three different amounts my home is worth with the highest being {$650000.00}. 
I feel Union bank has been discriminating against me, and I do not feel I have been treated as a valued customer who has done business with them for many years. The way they have handled my loan approval is not acceptable, and as a customer I feel they have violated many of my rights as an a senior citizen.

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 04-10-2015 about Debt collection (Auto) with Halsted Financial Services, LLC. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: halsted financial service CALLING ME ALL TIME OF NIGHT AND DAY.THREATEN ME TELL ME THAT THE ARE GOING TO PUT COPS ON ME AND CALLING MY JOB ALL THE TIME

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: All of my student loans ( from XXXX College, The XXXX XXXX, University XXXXXXXX XXXX at XXXX XXXX, XXXX University and XXXX XXXX, The School ) are with XXXX. In the first few years, they were relatively responsive, but over the past two years, they have either not responded to my requesrs for IBR renewal, in a timely manner, or have only provided me with a response when Inhave phoned them. The last three times I have phoned them, they have responded to my frustrations with their lack of confirming the status of my IBR applications with variations of " there are more steps/documents to complete, and/or you completed the wrong IBR type. But why did they not inform me of this??? To date, my IBR request is in limbo. The laat time I phoned, they said I would receive something in the mail that would allow me to pay five dollars (??? ) and then this would trigger my forbearance and I could reapply for the correct (??? ) IBR. The entire process is frustrating and cryptic and XXXX is not responsive or helpful. Meanwhile, they are asking for a payment of over {$1500.00}, that Incannot afford. Please help.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I have attempted numerous times to get straight answers from Nationstar and the lawyer they hired to foreclose on me in WI. After a lot of research and after finally getting documents from Nationstar I was able to prove that it was Nationstar that filed a fraudulent assignment with the Register of Deeds and with the Court. Nationstar likes to say they just get their documents from the MERC system, but if you look at the proof I am providing you will see it was a Nationstar notary who signed the assignment and the assignment took place in XX/XX/XXXX when they were servicing the loan. An assignment to XXXX Bank as trustee could not have occurred in XX/XX/XXXX because this particular trust closed in XX/XX/XXXX. Also Nationstar owns agencies that have been sendng representatives to my home to " break-in '' even when they do not have any legal right to be on my property. They claim that they determined my property was abandoned based on fraudulent information. Nationstar said they were taking my complaint seriously, but they never followed up and recently sent yet another person to my home, who came to my home at XXXX and he attempted to break-in until my dogs started barking. I am attaching all of my proof and I am contemplating filing a federal lawsuit against them. Any assistance you can provide is greatly appreciated. Please see attachments for further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Syndicated Office Systems,XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX CA XXXXhas placed a medical record on my credit report that does not belong to me, they have been informed in writing that i am a victim of Identity theft and i only paid the account, because they said record would be deleted, they have now refused to remove record from my credit. i should not be asked to pay for bills that i am not responsible for, and after payment is made, they still refused to remove collection record

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/2014 I received a letter from Care Credit. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (CA).
Issue: Managing the loan or lease

Complaint: Lease contract was signed on XXXX/XXXX/2016 and BMW XXXX was delivered same day. Noticed scratch on the rear panel and reported to the salesman, XXXX at XXXX XXXX. He arranged to pick up car 2 days later with a lesser class loaner in exhange. Car is being in the shop for 10 days, returning on XXXX/XXXX/2016. First payment was submitted through dealer for the XXXX/XXXX/16 lease date. Next payment due is XXXX/XXXX/2016, according to a billing error by BMW Financial. They claim that the dealer has submitted my lease with the XXXX/XXXX/2016 start date, even though the lease began XXXX/XXXX/2016. Nobody wants to assist and fix the error. They moved the due date 5 days earllier.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have sent several letters letting the debt collection company know that this debt does not have the correct date that the account went into default. This debt is well past XXXX XXXX XXXX and past the statue of limitations for the state of South Carolina. They will not send me any information about this debt when I asked for validity of the debt. They remove it and then put it back on my credit report as if it is a new 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 02-01-2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In XX/XX/XXXX, I paid my bill twice by mistake. I called to get a refund for one of the payments. After a few days of calls and speaking with different people, I was told that they have to get a refund check mailed from XXXX XXXX and sent to them, then they would send that check to me. However, I never received anything. I finally called about it to check on the status in XX/XX/XXXX, and was told the refund was processed and sent out on XX/XX/XXXX and that I should've received it. I told them I'd wait a few more days to see if it comes in. I called back after a week because I still haven't gotten my refund, and at this point, the XX/XX/XXXXbill was due. I inquired about having the refund check canceled and just reapplying MY funds back to the account. After being put on a long hold, I was told that the manager couldn't do that at this point but was told that an email was sent to the Finance department to see what can be done, and that I would receive a call back once they got a response. It has been 3 days now and AGAIN, no one has reached out to me. I just want MY money back or reapplied back to my account so that my bill is paid for XXXX ... considering I ALREADY paid it, and they have done nothing to help but waste time.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3.  ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 07-09-2017 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 status incorrect

Complaint: I had a XXXX XXXX XXXX mortgage that was part of an approved short sale in XXXX 2013 ( the account ended in XXXX ). The balance was settled, there is a XXXX balance and the current payment status should reflect as such. It has been brought to my attention that all XXXX credit reporting bureaus are reporting the current payment status as 120-149 days delinquent. I was informed by a potential creditor that this information is technically considered a current delinquency by automated credit engines used to determine eligibility for credit. Additionally, XXXX XXXX who was also involved in the same approved short sale of my house is not reporting it currently delinquent, but reflecting the account closed and settled.
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Please have the reporting from XXXX XXXX XXXX and/or the bureaus corrected. 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 03-08-2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Settlement process and costs

Complaint: My divorce ended XXXX XXXX, 2014. In the divorce decree stated that I am not reliable of the mortgage that only my ex husband is reliable of the house. USAA savings bank is the mortgage lender and they keep sending me letters of how the mortgage is in default but will not talk to me. My name is not on the mortgage note or the deed and they ended up putting it on my credit. I want the mortgage taken off my credit asap if possible. If I 'm not reliable of the mortgage it should not be on my credit. I have a divorce decree that I will be sending with this to show proof. I do n't live in the house and moved out when my divorce has first started.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX University XXXX, NC I have started repayment on my Chase Student Loans ( originated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) and am unable to afford the total amount due. Today I learned that my payments have not been applying towards XXXX of the XXXX loans I have with Chase, and my payment is expected to increase once again next month. I am not asking for forgiveness of the debt at all, I just need to reduce my minimum payments. I also want to file a complaint against how my payments have been applied for however long I have been repaying them, as Chase told me today that the XXXX loan without payments has n't shown payment since XXXX XXXX.

Company response to consumer: Closed with explanation