milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2016 about Student loan (Non-federal student loan) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Between XXXX/XXXX/XXXX and XXXX XXXX, I had several conversations with AES reps. On at least XXXX occasions, I was told by the reps not to worry if I went over 30 days late on my payments, since they were n't reporting until 60 days late. 

I am requesting the voice recordings for the period mentioned above be reviewed by a consumer advocate to confirm what I 'm saying is truthful, and I am motioning the removal of the 30 day late payment adverse credit reporting of XXXX XXXX be removed from my credit report. 

AES needs to take accountability for their statements to their clients. 

I had another similar experience with another lender, and CFPB had their consumer advocate review the lenders recording confirming my statements to have been true, thus reversing the negative credit reporting. 

As an XXXX, I have the public stake their lives on my integrity and the quality of my work. My co-signer is my brother, who is a XXXX, who puts his life in harms way to save others. 

All I 'm asking is for the basic decency and integrity from the lender, as to stand behind what their reps tell their borrowers, and take responsibility when they make a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello I have reached out to Equifax several times in regards to the  13  inquires I have on my account which does not belong to me I have no knowledge of these inquires and would like them to be removed immediately. I 've sent on several occasions to Equifax the below mind you I have no inquiries on my   XXXX   report at all as far as these inquiries Equifax has.   I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : Firm offer of Credit, Insurance, Employment, or Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Mortgage debt) with MORGAN STANLEY & CO. LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Loan matured XX/XX/XXXX. 
Loan extension was requested prior to maturity but terms of modification were never disclosed to me. I was not willing to pay trial payments without knowledge of the modification terms. 
In XX/XX/XXXX, I requested a payoff amount to pay loan in full. I received a payoff quote charging me interest up to the end of XXXX which is way pass the maturity date. I requested to have an updated payoff with interest up to the maturity day. the investor stated this is not allowed. I checked the credit agreement today on XX/XX/XXXX and no where in the agreement it says they can charge interest past maturity. in fact, there is language that talks about a balloon payment at maturity where all interest and principal is due up to that point. that is all I want to do - I want to pay the account accurately and in full up to the maturity date. they stated if I pay less than that then the account will reflect as settled and non paid in full on my credit history. I do n't agree with this. in addition, today 's representative " XXXX '' stated that there is default language in the agreement that states they can charge interest pass the maturity date. this is a lie as nothing is stated in the agreement regarding default. he proceeded to hang up the phone when I asked for the language he was referencing.

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 09/14/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery is stating that I owe {$2000.00} for services with XXXX XXXX from 2013. Thy  are not able to provide any documentation bearing my signature, where the balance is coming from and what exactly it is for. I have sent several certified letters demanding that they provide me with all of the documentation to support this, which they have failed to do so. The only letter I have received was a letter stating the balance was " verified ''. This is a COMPLETE violation of Defamation, Negligent Enablement of Identity Fraud, Violation of the Fait Credit Collection Act and Violation of the Fair Credit Reporting Act. This is severally hurting my credit score and I have spent hours of my time and money trying to get this resolved. I demand that this be completely deleted from my credit report with ALL 3 bureaus. My next step will be small claims court, which I have already filled out paperwork & obtained an attorney. I expect this to be taken care of within the next 30 days.

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

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is reporting hard inquiries on XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX I never applied for these loans

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing statement

Complaint: I have an argument with Bank Of America ( BOA ) on payment crediting date on their credit cards. 

The situation is very simple. I have an XXXX credit card with BOA. A transaction of {$32.00} was posted on XX/XX/2017. Around XXXX PST XX/XX/2017, I submitted a payment of {$32.00} on BOA online banking website. Coincidentally, the statement date for my XXXX credit card is XX/XX/XXXX. So I would expect the statement balance to be XXXX because the {$32.00} was submitted XXXX PST on that day. However, this is not the case after I see what BOA online banking shows today ( XX/XX/XXXX ). The statement balance is {$32.00}. So I called BOA about the problem. After I was transferred to the right person, he was trying to explain that credit card balance will not be updated until the payment is completely processed, which I agree. However, statement balance should be XXXX after the payment is submitted before the cutoff time. I do n't care how much time BOA is working with XXXX to get money electronically as a customer. So my call with BOA ended up being very unhappy for both sides. In my case, this is about statement balance and statement date. What if it is payment due date? Would I be assessed interests if yesterday were the payment due date and I made payment that day XXXX PST? This is not fair for statement balance because that is what interests are calculated from. 

Currently I am holding around XXXX credit cards with different issuers, including XXXX, XXXX, XXXX and XXXX. All these issuers will take the last day payment into account for calculating statement balance even if I make a payment on Saturday, as long as the payment submission time is before the payment cutoff time. I do believe that BOA 's behavior is kind of predatory on customers because it accounts for additional time over which customers have no control. 

I would kindly ask BOA to correct the statement balance to XXXX and report an update of statement balance to all the credit bureaus.Otherwise I would prefer to end the credit card relationships with BOA for its predatory behaviors.

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 09/30/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NC).
Issue: Account opening, closing, or management

Complaint: PayPal contacted credit bureau without my consent. I want to register a complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I wanted to refinance my home equity loan and first mortgage. I am currently living in an apartment in XXXX while my husband works, while our home is in XXXX. I contacted Quicken Loans and began the process with them. The explained it would have to be considered an investment property. After some crazy paperwork we were approved of the mortgage. They took XXXX dollars for the appraisal and I was told it would cost XXXX and I would get back the remainder. The appraisal came in and I was sent documents saying that because the appraisal came in low I 'd have to pay PMI until I got to the 80 % threshold. I signed the paperwork and was waiting for a settlement date. I received a phone call today from their " solutions specialist " saying because my home is considered an investment property and because the appraisal came in low they would n't be able to give me a loan. They said that they would only be able to give me 75 % on the value of the home. Which would n't cover the XXXX loans I wanted to refinance. 
My problem is I thought the estimate was low balled. And after the phone call I researched Quicken loans to see if there were any complaints regarding this type practice, I found hundreds of similar complaints that after they get your money for the good faith and appraisal the value comes down lower than it should be. They compared my homes that were smaller square footage and smaller property size and I find this disingenuous. 
Also when I got the documents the appraisal came in at XXXX not the XXXX XXXX they quoted me. 
I think this is a scam. They take the money and then low ball the estimate to either keep a large chunk of the appraisal ( maybe they have appraisers that take XXXX or less. ) or they want you to pay PMI. Something is n't right. They generated paperwork like all was well with the loan. And we sent all the documents back, how can they get away with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I have been a victim of fraud on my account XXXX times in one year from Captital One 360. Each time, I am required to wait up to XXXX hours for pending payments to post so that I can then dispute them. I am left without funds in my account for the same amount of time. I have repeatedly ask Capital One 360 to change my primary contact number to my mobile number so that I am immediately notified of any fraudulent activities. I also receive no compensation for any loss of time or inconvenience being caused by the repeated fraud this bank allows to happen on my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Other

Complaint: Macy 's Credit Card sent out a letter stating that they where changing there credit card agreement. I did not fine the new terms acceptable. I requested they close the account and send me a letter that the account was closed and they had removed me from there database. I recieved a letter stating that the account was closed. There was no wording in the letter that stated my information was removed from the database. I called the Customer Service number ( XXXX ) XXXX and spoke to a representative. 
I spoke to XXXX from the XXXX AZ call center with ID # XXXX and explained that I wanted my social security number removed from there database in case of a data breach or if they where unable to do that a letter stating that they would be responsible for any issues of a data breach due to hacking of there system. XXXX quoted " I am not at liberty to send that letter and unable to remove your social security number from the database ''. 
The transactions are handle by XXXX XXXX but the financial institution which issues and administered is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: My bank ( Wells Fargo ) placed a 7 business day hold on a large check from my real estate broker I have been with for 6 years. The check was from a XXXX XXXX XXXX account. This check should have cleared and funds verified in XXXX3 days max. The check was deposited on a Friday, so the total hold time was 12 calendar days. The regulations for deposit holds needs to be modified/improved to keep up with the new ACH changes. My money was held hostage by my Wells Fargo - there can be only XXXX reason can be that they could use that money.

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 07/17/2017 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: Problem with personal statement of dispute

Complaint: On   XXXX   XXXX  , I contacted the   XXXX   credit reporting agencies,  XXXX ,  XXXX , and Experian to ask to remove only the dispute for   XXXX    acct per my lender request.   XXXX   is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by  XXXX . The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once  XXXX  did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit card accounts. While the accounts were not established the applications did result in fraudulent related inquiries on her credit reports. Several official disputes were made with the creditors as well as the credit bureaus in an effort to remove those inquiries however, Equifax is still reporting two of the fraudulent inquiries while XXXX and XXXX have removed the data as fraudulent. The inquires remaining are XXXX and XXXX/XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: They are blocking me from getting my report and I do n't know why. And I have many hard inquiries from  XXXX  /  XXXX    XXXX   XXXX    XXXX  without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out a private student loan from Wells Fargo Bank with my mom as a co-signer. This loan is to fund a XXXX program at XXXX XXXX University in XXXX, CA. The loan is now in default, but I made an agreement to still pay monthly payments of $ XXXX/month. However, I stopped the automatic payments for a few months, but then made another agreement to lower the payments to $ XXXX/mth. Apparently, I forgot to cancel the stop payment order with my bank and then Wells Fargo was not able to obtain the automatic payments from my bank. A few months later, Wells Fargo Bank took out {$1100.00} from my Mom 's bank, who is the co-signer of the loan without her or my consent or permission to do so. They simply just took out the {$1100.00} from my mom 's bank because she is the co-signer and we are not able to get that money back even after many talks with them. Is there a way to get the money back they they took out?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX & XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX & XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2018 about Mortgage (Conventional home mortgage) with PENTAGON FEDERAL CREDIT UNION (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Creditor 's Name : Pentagon Federal C. U. 
Creditor 's Address : XXXX XXXX  XXXX, VA XXXX Creditor 's Telephone Number : ( XXXX ) XXXX Date of the denial : XX/XX/2018 XXXX XXXX Also know as XXXX XXXX XXXX XXXX XXXX Also know as XXXX XXXX XXXX Loan amount {$160000.00} Loan number : XXXX Comparative Evidence of Disparate Treatment : Failure to explained loan procedures for the approval process. 
Mortgage protocol that is not cost effective for applicants. 
Misleading on the loan protocol process.

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 monetary relief
Consumer complaint received 04/22/2015 about Debt collection (I do not know) with Oracle Financial Group LLC. (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This XXXX XXXX lady calls EVERYDAY from a new # claiming that I have a fraud case against me and that there are criminal charges pending ... These people are a complete joke ... When you google the number of any legit business an actual website comes up. Meanwhile when you google these numbers all these comments come up ... 

These people are absolutely ridiculous. When you can send me something in writing maybe just maybe I will call you back. I know my rights and threatening people for a supposed debt is absolutely and completely illegal. But NICE TRY THOUGH ... Guess ill be blocking this number too! 

Below are the list of other # 's she calls XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief