milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (WA).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I believe like i 'm a victim to false advertisement like many of the students fighting for there money back at XXXX XXXX XXXX. I think it was unfair to begin with to be pulled aside during class and told that I did n't qualify for aid so I needed to get private student loans. I have made my complaint with the XXXX about predatory loans, Overly ambitious job placement, and knowing gaining profit from people defaulting on there loans. I feel used, and I think that my life was wasted after so many years not being able to find a career within my degree. I really have no idea why I had to switch to federal, and I think I was to young to even understand at that point. only the threat of not being able to continue my degree.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Organ Case # XXXX Please view the original case # listed above. This investigation has taken well over thirty days with Equifax and Equifax has requested more time to work on this. However, Equifax has not followed up with me not has Equifax removed the inaccurate account with XXXX XXXX and the unauthorized inquires on my account. I have sent in to Equifax a copy of my ID theft report as well as a copy of the Police report. 

I have stated over and over that the XXXX XXXX trade line that is showing up on my account is not mine and the result of ID theft. THE ARE SEVERAL LISTED INQUIRIES on my Equifax report that I did not authorize and I am requesting deletion. 

Please do not continue to stall and neglect my requests. This has been a terrible process getting this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Unable to access my account online. I reported this issue back in XXXX. When going to the website to login, I get a message that I am using a different computer, which is incorrect. I ALWAYS use the same computer. Their system wants to do additional verification steps. They request to send an ID code via either text message or email. If I choose email, the email NEVER arrives. If I choose text, the text message NEVER arrives. Both my email address and telephone number are correct. There are no emails in a SPAM box. There are no issues on my end. This company is simply incompetent and unable to fix their problems. When contacting this company, they simply reply with canned responses -- it is like taking to a brick wall. There is no real customer service. Only people who read back generic responses that have absolutely no value to them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan mod with Chase. A complete loan mod package was submitted and received by Chase on XX/XX/2017. XXXX from XXXX XXXX XXXX XXXX XXXX XXXX spoke with Chase on my behalf to confirm the submission and that Chase was in possession of the loan mod package on XX/XX/XXXX. A sale Date of XX/XX/XXXX has not been postponed. My loan # with Chase is XXXX. I need help, I want to keep my home. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, 2016 Re : Property address XXXX XXXX XXXX XXXX NY. XXXX I would like to file a complaint against CHASE servicer. I have been trying to get help from CHASE SERVICER for my underwater loan. I have complied with all requested documents. Servicer CHASE has issued XXXX modifications ( see attachments ) where they have failed to honored the guidelines of the HAMP-PRA. According to the HAMP-PRA guidelines, SERVICERS MUST evaluate borrowers for mortgage reduction for any mortgage loan that is being considered for HAMP with a current mark-to market LTV ratio greater XXXX %. The property fair market value is {$540000.00} ( see attachment ) CHASE servicer did not act in good faith to reduce the principal amount {$840000.00} Also CHASE SERVICER failed to calculate mortgage payments into a 30 to 40 year period as per the HAMP guidelines. I would have a balloon payment in 20 years from now at the maturity date of my loan of {$530000.00}. I can not afford that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Due to the Equifax data breach of consumers personal information, the following fraudulent and unauthorized accounts has reappeared on my Equifax, Experian and XXXX XXXX credit report. The following account and hard inquiries are all fraudulent and unauthorized : Universal Acceptance Corporation/Car Hop, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX Auto Finance, XXXX/XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 sent a letter 7 months ago requesting that several creditors be validated and removed. The creditors were removed and then greater than 30 days later the credit reporting agency placed the creditors back on my credit profile. I sent letter informing them that this is illegal and on  XXXX / XXXX /   2017  I received a new report with no change.

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 11-11-2015 about Bank account or service ((CD) Certificate of deposit) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: To whom this may concern, Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage were a victim of an enormous hack during XX/XX/XXXX and XX/XX/XXXX. Scottrade Bank, Scottrade Brokerage, and Scottrade Financial Services were warned about these cybersecurity issues at a technical and cultural level yet no action was taken. 

I would like Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage to provide me with instructions on how to file a dispute with their companies. Specifically, Scottrade Bank and Scottrade Brokerage have failed to provide clarification on the currently conflicting and alleged dispute policies and Scottrade Financial Services has no dispute policy what so ever. 

If Scottrade has any concern for the fraud that occurred and the continued danger they are putting their customers in, I respectfully request that Scottrade step up their game and putting customer care as a higher priority.

Company response to consumer: Closed
Consumer complaint received 12-05-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX are trying to collect a debt from 2012 allegedly owed by me. The failed to provide any information of me or the original account other than some payment were made with a credit card. I never had an account by Capital one. 
They are preventing me from getting mortgage and they report false information and I need them to stop call and ask for me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Citimortgage increased my mortgage payment by {$210.00} per MONTH which Citimortgage stated started XXXX XXXX, XXXX. I did NOT receive any notification from Citimortgage that my mortgage had increased by {$210.00} per month. My XXXX and XXXX payments were made through my bank. My payments were sent and received by Citimortgage ONTIME, but as Citimortgage is legally allowed to do Citimortgage did NOT apply the payments, but declared me in default of my mortgage. 

Normally Citimortgage notifies me two full months in advance with a legal sized colorful form explaining any increase or decrease. The first I learned of the increase was when I received my credit report, and noticed that a Lien was placed on my property for {$220.00}. I called Citimortgage to see if they had placed the lien. Citimortgage said they had not, but informed me that my payment was late. I was shocked as all my payments are scheduled by me to be paid directly to CitiMortgage from my checking account, and the money had already been taken from my checking account. 

I was further informed by Citimortgage that the outrageous increase was because both my property taxes and my house insurance had increased. I called the XXXX XXXX XXXX office and was informed that my XXXX taxes for the year was XXXX, and that my XXXX taxes for the year was REDUCED to XXXX. This is a decrease of {$5.00}. I called XXXX. I was informed that my house insurance for XXXX was XXXX. As of XXXX XXXX there was an increase XXXX, a difference of XXXX, per yr or XXXX a month, NOT {$210.00} per month. 

Citimortgage sent me a refund of over {$500.00} about three years ago. I thought there was a law against banks OVERCHARGING customers and then sending a large refund. This was an interest free loan. Citimortgage has never given me anything free. To date Citimortgage has NOT sent me a formal written explanation for the MONTHLY increase. This is a scam. Please help me resolve this with Citimortgage. 

My mailing address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The XXXX XXXX was notified the end of XXXX or the beginning of XXXX. I was NEVER lost from Citimortgage. I have called Citimortgage three times concerning this. The Home is located in Ga, XXXX XXXX XXXX, XXXX. The loan number is XXXX. I am a XXXX yearly female Veteran. 
Thank you for helping meSincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: I was trying to get financial assistance to pay bring down my interest and monthly payments and was told that I did n't have the option available.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Credit card) with Cooling & Winter LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was sued in 2014 for a debt that I owed XXXX XXXX. XXXX XXXX bought the debt and filed a suit against me and garnished my wages until the balance was paid in full. After paying this debt in full, I received more correspondence from XXXX XXXX as well as Cooling and Winters LLC. stating that I was being sued again for the same debt. I have spoken to both compnaies and XXXX XXXX refuses to speak to me about my account and told me they sold the account to Cooling & Winters after this account was satisfied. I contacted Cooling & Winters and they stated that they never received the money that was garnished from my paycheck and that this account could not be closed until it was satisfied. I am looking to sue both companies for constant harassment. This is affecting my daily job responsibikities as I have to take off of rom work to resolve this. I will attach a copy of my check stub showing the garnishment paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with DISCOVER BANK (AZ).
Issue: Rewards

Complaint: I made a purchase of {$470.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit card () with PNC Bank N.A. (IL).
Issue: Payoff process

Complaint: PNC Bank, in my opinion, has failed to provide an adequate method of setting up automatic bill payment for its credit cards. At this time, you can not set-up auto bill pay through online avenues, and must mail in a form to apply for automatic bill payment. Further, enrollees are not informed whether they are signed up or not by PNC. An application I filed XXXX3 years ago appears to have been approved recently, which I only learned about because they double-paid my last statement balance, XXXX of which I had to conduct manually. 

After contacting a representative of PNC, I was told the only way to modify my existing auto-payment regime is to call a representative directly. Again, I have no present way of individually understanding what the auto-bill pay policy is for my account. 

The result of XXXX of the above policies is that customers are materially more likely to carry balances between statements, accruing high rates of interest on larger balances than they would otherwise. Without a feedback mechanism in place, customers are also unable to determine whether automatic payment has been set up until a billing date passes, at which point a customer may already receive a black mark on their credit report, imparting unfair economic consequences on people trying to improve their financial wellness.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Payday loan () with Middlegate Funding LLC (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: Middlegate Funding is such a rip off and I would n't suggest anyone go through them because of the pain, harassing you and your broker and saying that I am a thief for borrowing money. They are not registered with XXXX and am going to take action with the FTC. They act all nice and sincere when you first call them, then the moment they wire you the money for a transaction they start changing there ways and treat you like XXXX. Middlegate Funding owners are XXXX XXXX and a person named XXXX, they act like they have 50 people working for them but in all honesty it 's just them 2. They will have you convinced of an interest rate and then all of a sudden after receiving the money they will charge you more interest then indicated. Remember people are borrowing money for a reason, because of numerous financial reasons, so they know you do n't have the power to go after them. If you start negotiating a settlement they will say yes but then say now you owe me more for all other fees they make up. Bunch of scam artists and they claim they work with numerous real estate companies but in reality they have no one! We would love to have more complaints to file a class action lawsuit against them and get other stories from those that borrowed money from them at one pint or another or been through other horrible situations with Middlegate Funding.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: RE : Unverified inaccurate items : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been back and forth with Transunion and XXXX for several months about how they continue to report incorrect information that does not reflect my true accurate credit report. I have supporting documentation from XXXX where I disputed several items ( XXXX XXXX ) that were being incorrectly reported and XXXX ; s completed investigation results came back that these were unverified accounts and they were deleted from my credit report. I also sent Transunion and XXXX a dispute as well around the same time disputing these incorrect items. Their investigations came back Verified. When I sent another letter asking for their verification process method with detailed questions that I wanted answers and documentation proof ; I did not receive anything from Transunion and XXXX. Yet til this day Transunion and XXXX are continuing to report these inaccurate unverifed items on my credit reports. I am uploading supporting documentation from XXXX  showing that these items were deleted because they were unverified and inaccurate. Transunion and XXXX need to follow suit and delete the abovementioned incorrect items from my credit reports immediately.They must be removed in order to show my true credit history, as these items should not be on my credit report Pursuant to the Fair Credit Reporting Act. I expect this to be completed within 30 days.Please send me an updated report as soon as soon your investigation is complete.

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 HYUNDAI CAPITAL AMERICA (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, XXXX my son was driving a Hyundai XXXX that was in an accident and totaled. I co-signed the loan on the car. The insurance covered the cost of replacing the car along with GAP insurance that was paid to Hyundai Motor Finances on XXXX XXXX, XXXX. My account with Hyundai is # XXXX. In XXXX, XXXX I happened to check my XXXX Credit Report and noticed that Hyundai was still reporting almost {$20000.00} still being owed on this car that had been paid off by the insurance companies. i contacted both XXXX and Hyundai about this. XXXX issued a dispute to Hyundai and considered the car as having been paid in full. When I finally got through to Hyundai Motor Finance the representatives were very rude and stated that there was a {$350.00} balance left on the car. I questioned them as to what this was for and they could not tell me specifically. I asked, if there was a remaining balance on the car, since GAP paid them in XXXX, why they never contacted me or sent me a bill. They told me they do n't do that and I " would have figured it out eventually ''. When I asked to speak to a supervisor I was told that one was not available and they had up to 72 hours to return my call. Today is XXXX XXXX and I am still waiting. I sent a certified letter to Hyundai Corp. offices in California on XXXX XXXX telling them about the problem I was having with Hyundai Motor Finances. I received a one sentence letter back stating that the balance was correct. Again there was no explanation of what it was for. A regular car payment is {$380.00} a month so this balance was not even for a monthly payment. On XXXX XXXX I again called Hyundai and spoke to someone named XXXX who told me a bill had been sent on XXXX XXXX. I never received it. I asked her to send me another bill and itemized statement. None has ever been received. Yesterday I received a phone call from a woman at a collection agency telling me the account with Hyundai had been sent to collection. I explained the situation to her and at this point I am absolutely livid. In addition, my credit score has dropped XXXX points this month.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent several letters to Experian disputing erroneous information that I believe is the result of a relative. I asked Experian to provide me with verifiable information per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) including1 ) The name of the creditor ; 2 ) The person 's name that the dispute was verified with ; 3 ) The address ; 4 ) The telephone number ; and5 ) The documentation used to verify the dispute. 
I understand that per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) that Experian must remove the items in dispute if they can not provide me with this information. They did not provide the information above and did not remove the disputed items. In addition, I sent a letter from XXXX XXXX XXXX that states that they are adjusting the reported late payments that were in fact not late. After sending the letter twice, Experian still will not remove the derogatory information. Lastly, they are reporting a collection with a company called XXXX XXXX XXXX. When I personally investigated this, I found that it was reported under a completely different social security number! I explained this to Experian and they still refuse to remove the collection. It appears to me that no real attempt to obtain verifiable information was made by Experian. They simply acknowledged that the derogatory marks are mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My XXXX died owing a credit card debt. The debt collectors say I now owe the debt. My name is not on the application for credit nor have I benefited from the credit card. The debt collectors reported it to the credit reporting corps. and it appears on my credit report as a debt I failed to pay and fraud. I am applying to refinance my home and I am being denied because of the report. I have no other blemishes on my credit report. I ca n't sleep with the fear of losing my home.

Company response to consumer: Closed with explanation