milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I 'm dealing with fault out from the Equifax breach. I 'm doing the steps suggested to protect my finances and identity. One of those steps suggests that you freeze your credit reports. Seeing as Equifax is the sole reason I am freezing my reports, they should be held responsible for those fees. Especially considering in order to pay for a freeze, I would have to give them a credit card number which they have n't proven to be responsible with.
I also do not want to sign up for their credit monitoring service ( specifically for the breach ) because there have been reports that that is not actually free and you sign away your rights to legal suits down the road.
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Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize   XXXX   XXXX   to run my credit score on  XXXX   XXXX   2017  ... ..was not present. The bank made a hard inquiry on my credit that dropped it way down. I did not know anything about this or who they did it for but I did not give consent for this. I believe it was for a loan of some sort. I have n't applied for a loan in many many years, and never with this bank.

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 04/14/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TN).
Issue: Managing the loan or lease

Complaint: I had a great experience with my car loan through Ally Auto - until it was paid in full. Back in XX/XX/XXXX, I receive the title to my vehicle once my balance was a XXXX. In XX/XX/XXXX, I tried to sell this vehicle. When I filed for a duplicate title, I found out Ally still had n't released the lien on the car. I 've contacted them 3 times & have requested 4 different formats of the lien release & have yet to see it.

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 04-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When my loans were first coming into the repayment period, I was told that I did not qualify for an income-based repayment plan, despite the fact that as a XXXX I made exactly the same as every other intern in the first year of their XXXX training. I subsequently applied for forbearance over the following 60 months until graduating from XXXX when I could afford consistent monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Student loan (Non-federal student loan) with MOHELA (AK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Why wo n't you investigate Federal Student Loans? XXXX has a policy in place of applying extra payments toward future payments, thereby collecting more interest and keeping borrowers in debt longer and longer. They have layers of obstacles making it difficult, if not impossible, to pay only the minimum amount each month and pay down principle with extra payments when you can. They threaten to increase your minimum if you ask to make principle reduction. 

Imagine if you wanted to pay an extra {$300.00} on your mortgage, and the bank said they " ca n't do that, and if you ask us again, we 'll raise your interest rate ''. That is pretty much what XXXX is saying to thousands of student borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Customer service would n't take care of my matter remove inquiry from my credit report

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 09-10-2015 about Mortgage (Other mortgage) with UNITED SECURITY FINANCIAL (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage for my rental home was sold by XXXX Mortgage to United Security Financial in XXXX of this year ( 2015 ). We are in the military and had recently moved to another duty station. Unfortunately, I had n't updated my address on their website and missed that notification. I was not notified by email or through the secure messaging system on their website. 

I kept sending my loan payments to XXXX each month on an auto bill-pay. They sent the first XXXX payments to the new company, but stopped at that point and instead starded sending them to the address they had on file ... for 3 months after that. My bank has a widget on their website that tells me my credit score, and I wondered why it was dropping. I previously had excellent credit ( XXXX ) and it was tanking ( now XXXX ). We received a phone call from the new company requesting our updated information but I did n't feel comfortable sending my personal info without checking with the company with which I was in business. 

I got onto the XXXX website and saw that my last received loan payment was 7 months ago. I sent a secure message on XXXX 's website stating that I did n't know this had happened and asked them to verify that this had taken place. I provided my updated contact info and reminded them that they had my email and could have contacted me in other ways. A few days later I received XXXX checks refunded from XXXX from the XXXX latest months ( but nothing from the XXXX checks sent to my old address ) and a response stating that the sell-off had taken place. I had been paying my mortgage to XXXX for 7 months after it was sold unaware of the problems developing. 

I called the new company to make it right and was told I needed to pay the entire balance owed before I could continue to pay my monthly payments. They had already begun consulting with foreclosure attorneys and also fined me {$310.00} for those services, which they also required me to pay at that point to prevent further losses. I payed the overdue amount from my savings, along with the attorneys fees. 

Today, XXXX XXXX 2015, I 've received a letter from United Security Financial stating that my XXXX XXXX, 2015 payment is overdue and now I owe them {$77.00} in late fees. My payment that is due in the future is overdue?! 

I have emailed XXXX to request the XXXX lost checks be re-sent to my new address and that the money I was charged in attorney 's fees be refunded and am now awaiting their response. 

I 've realized why my credit score was tanking : An incorrect address and a company that did n't care enough to contact me through other means at their disposal. All the while I was paying them monthly, on time and in full. They have insulted my character, and have cost me money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Regarding Wells Fargo Mortgage I was injured at work on workers comp for several months. Unable to make mortgage payment. Granted forbearance for XXXX months. I inquired as to what would occur when I returned to work. Told I could resume payments and then they were modify the loan. Started payment on time and then they told me I had to make all missed payments with fees or thye would foreclose. I could not pay such a large sum but contained to make payments in full and on time. Continued to make payments then they started to send them back to me. They denied modification and have now started foreclosure. I have applied for and been denied modification numerous times, note most were denied saying I did not have enough income even though my income was the same and has now increased considerably over what it was when they wrote the original loan. I have complied with hundreds of requests for the same documents over and over and it appears the is a delay tactic so they can move forward with foreclosure seems to be a fraudulent tactic based on my research of other consumers in the same situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I transferred my balance fro m American Express to   XXXX   XXXX   XXXX  . American Express claimed that they received the close-out 5 days after my payment was due. They charged me an additional {$35.00}. I made the transfer more than 10 days before the du e date.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my first mortgage payment on XXXX/XXXX/2016. I was therefore completely current. Per my mortgage documents, I can pay off any amount of principal of my choosing as long as I am current, without any penalty. I submitted a principal payment of {$1100.00} on XXXX/XXXX/2016 before XXXX EST. The payment was clearly indicated in Chase 's system to be a principal only payment ( see attached documentation ). Supporting documentation will also show that the payment posted on XXXX/XXXX/2016. As of XXXX/XXXX/2016 my principal payment has not been reduced by any of this amount. The funds have been posted to suspense and remain completely unapplied ( see supporting documentation ). The XXXX/XXXX/2016 regular monthly payment has therefore also been applied incorrectly as it is calculating based upon an overstated principal balance. I have contacted Chase customer service on XXXX/XXXX/2016, XXXX/XXXX/2016, and XXXX/XXXX/2016. In short, the representatives have advised me that they were processing the correction. One representative told me it would take 24 hours to correct. Another advised it would take up to two business days. Based upon the initial notification on XXXX/XXXX/2016 we are now on the third business day with no resolution. I have lost faith that Chase will ever correctly reverse the XXXX/XXXX/2016 regular monthly payment, apply the {$1100.00} principal payment effective XXXX/XXXX/2016, and correctly post the XXXX/XXXX/2016 regular monthly payment based upon the correct, lower principal balance as of XXXX/XXXX/2016. In addition to giving me no credit for my principal payment, the XXXX/XXXX/2016 paid too much interest and not enough principal as a result of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Consumer Loan (Vehicle loan) with Bailey Automotive Finance Inc. (SC).
Issue: Problems when you are unable to pay

Complaint: Case number-XXXX.Thank you for taking the time investigate my current situation. Sure I have been late, so when I paid on XXXX/XXXX/2016 and I pay bi-weekly. I made a payment of one payment and as soon as I finished paying that payment. I get a phone call, not from their business number but from that personal cellphone to ask me why did n't I make two payments. To me I would think they use this tactic to get me to answer a call. So why did n't the person that took payment ask or tell me that. Their business ethics is far from professional. They are just money hungry. They also called me to say that my insurance had cancelled, when I just paid my insurance company on XX/XX/XXXX and the payment was due on XX/XX/XXXX, so I had to take time from job call the insurance and they advised me my insurance is up to date and not due again until XX/XX/XXXX and they did n't even contact the loan company to say the insurance was cancelled. I wish for them to Cease & Desist calls from them until this matter is resolved, but would like a record of my payment history after each payment mailed my address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: I have tried for 3 days to freeze my credit reports at Transunion unsuccessfully. I was able to freeze my credit with XXXX and XXXX without any issues, but am unable to do so with Transunion. I would have called them, but there is no number provided to reach them.

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 05/30/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Keep getting calls all day long  from Macys Blloomies and MCCS which is also Macys. I do n't even have an account with them nor does any family members. Do n't even shop at Macy 's. Every time I block the number they call on another one. From what I have read others have tried to stop them but have n't been successful so I have n't bothered contacting the company. Not sure if it is really Macy 's or  not. They just called again from this number  XXXX  and this is only  one  of tons of different numbers they use.

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX is reporting unauthorized inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested a credit report, trans-union report has information that does not belong to me. XXXX and XXXX reports could not be accessed because the security questions I answered had information that was not submitted by me. Addresses and XXXX of the XXXX phone numbers added in 2008 were not associated to me. My name and identity were used unknown to me by someone else.

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a letter in XX/XX/XXXX from XXXX XXXX advising that my credit card application was declined, but I never submitted an application. I sent a letter to XXXX XX/XX/XXXX XX/XX/XXXX advising that I never submitted an application and asked them to remove the inquiry. I also asked for a copy of the application. They responded on XX/XX/XXXX advising that the application was completed on XX/XX/XXXX, but did not provide the application as requested. This information is false. I never applied for a credit card with XXXX XXXX and I want the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Problems caused by my funds being low

Complaint: My account was overdrawn, however I made a return to a store. When I checked my account to see if the credit had posted, I found that Suntrust had applied an extended overdraft fee. This fee XXXX the amount of {$36.00} if the account is overdrawn more than a week. This seems like a predatory practice, most people are paid bi-weekly. I have been a customer of Suntrust bank since 2010, and have direct deposit set up on my account. 
I went to the bank to speak with a representative and let him see the copy of my credit from the store. He said that it was pending, but he could not make the decision to issue a refund of the fee as a courtesy. He would email his manager, and his manager would make a decision upon his return. XXXX days later, the manager, XXXX XXXX, called me and informed me that because of my returned item ( an insurance check that automatically is paid from my account ), the overdraft was my fault and the bank was right in charging me the fees. He rudely hung up the phone as I tried to discuss my concerns. To have an extended overdraft fee is an excessive fee, which makes it more difficult for consumers to gain financial stability. My account was overdrawn by {$11.00}, I was charged a returned item fee of {$36.00}, then an additional extended overdraft fee of {$36.00}. 

This practice should not continue, and Suntrust should issue refunds of the extended overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 through XXXX XXXX in XX/XX/XXXX that a 30 day late was added for XXXX XXXX  (Creditor: XXXX XXXX XXXX XXXX XXXX XXXX). I disputed with XXXX and TransUnion immediately after encountering the error. I sent proof of payments and XXXX removed the erroneous late, however, nothing happened with Transunion, so I submitted the complaint again to TransUnion, but this time online instead of through the mail. I also contacted XXXX XXXX XXXX XXXX and spoke with XXXX  XXXX in Collections who confirmed that I had satisfactory payments and did not know where the late payment was coming from. I was advised by the credit union that they could not remove anything without the dispute. I finally received a letter from Transunion stating that they verified the information as correct. XXXX XXXX XXXX XXXX did not receive the dispute and is confirming that I was not late. I have gone through Transunion two time and will be doing it a 3rd which is completely unnecessary. It is unfair to have erroneous information on your credit report.

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 07/28/2015 about Prepaid card (Payroll card) with NETSPEND CORPORATION (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: NetspendXXXX XXXXMy card was hacked a year ago during a breach with XXXX XXXX. Netspend notified me and sent me a new card and my old card was supposed to be cancelled. I noticed on two different occasions that the card was still active so I called customer service and attempted to speak to the customer service. I say attempt because the only english they seem to speak is what is written on their script but they assured me the card would be cancelled. Well here we are a year later and the card that was supposedly cancelled got used in XXXX about 7 times within 15 min and took {$600.00}. I immediately called when I got the text alerts ( the charges started at XXXX and I called at XXXX same day ) and told them not to approve the transactions which were still pending. Again the lack of understanding english was a huge barrier and three different customer service reps told me different things. I finally got someone from corporate to call me back three days later and she stated since this was clearly their fault my money would be credited by the end of business. Here we are and no money. I am unable to talk to the corporate office again they told me they cant transfer me, my money is no longer pending but paid to the company in XXXX, and now they are telling me it can take up to 60 days to see my money because it was posted I had to file a written dispute that must be investigated. They admitted to me that this card was part of the security breach and should have been cancelled but there was nothing they can do to help me and they refuse to transfer me to corporate again. This is outrageous, never have I had such difficulty when a company clearly dropped the ball. Now my mortgage is going to be late and I have no idea when I will see my money. They refuse to allow me to speak to an American or give me the corporate number. Total I have spent over 5 hours on the phone and all I get is some foreigner reading off a script. They will not give me their names either when I speak to them! I am wondering if I should contact an attorney.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: Transunion experienced a computer glitch the early part of this year that deleted my inquiries off of my credit report. Transunion later added the inquiries back on to my credit report without giving me the legally required 5 day written notice prior the inquiries being added back on to my credit report. I called Transunion on  XXXX / XXXX /  XXXX   and spoke with a foreigner and I asked for the inquiries to be deleted, and I was denied. The rep stated that I was not a victim of identity theft, and that the inquiries would remain on my credit report. The rep hung up in my face. These inquiries add a hardship as I 'm constantly denied credit and my rights were violated by TransUnion.

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