milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have 3 fraudulent and unauthorized credit card accounts that arent mine, and dont belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$12000.00}, XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$380.00}, XX/XX/XXXX,  XXXX XXXX XXXX, {$3.00}, XX/XX/XXXX, the following hard inquiries arent mine and dont belong to me : XXXX XXXX XXXX, XXXX, Equifax Consumer Affairs. My 2 U.S. Senators from Arizona, XXXX XXXX XXXX and XXXX XXXX, is investigating this matter as well on my behalf. XXXX XXXX XXXX and XXXX XXXX sent me a letter informing me they considering calling Congressional/Senate Confirmation hearings for XXXX XXXX, XXXX XXXX, XXXX, Equifax and XXXX XXXX Executives to appear before Congress to answer to my complaint and other constituents in their district who have similar issues/complaints as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: It seems like all of a sudden, Navient has raised my monthly federal student loan payment to {$620.00} instead of the income-driven amount of {$27.00}. Apparently, I need to renew my income-driven application, and when I go online to do so, I see that the income-driven choice requires me to continue making loan payments for 25 years. I have been under the impression since I went back to school in 2011 that student loans only have to be repaid for a maximum of 10 years. I am an XXXX and do not earn anywhere near enough income to make payments of {$620.00} a month. Now XXXX, I also have discovered that I am not likely to be hired for a high-paying job that would enable me to make those kinds of payments. Has the 10-year repayment policy changed? Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (KY).
Issue: Managing the loan or lease

Complaint: I have been paying on a car that I purchased 3 years ago for {$15000.00}. My loan is through Santander. According to my payment history I have paid {$15000.00} to date. Santander says that I still owe over {$13000.00}. My payment history shows that the majority of my payments through-out the years posted totally to interest and not towards the principle at all. My loan has an interest rate of 15 % and based on the figures they have charged me 50 % to 100 % the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This complaint is with your company regarding the physical verification of the original document or contract with XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your company is required by law to validate proof of claim of as wells as method of how this account was verified. I have received NO documentation that this account belongs to me by your company. I have submitted documents advising of fraudulent accounts in my name. This is NOT a request for verification of proof of claimant mailing address however, I am requesting VALIDATION and PROOF OF CLAIM made pursuant to produce a contract. I am also requesting that your offices provide this physical proof as required by Federal law as this account is fraudulent error being reported by your company.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.

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 06-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Since the year XXXX I have disputed with the XXXX major credit bureaus after discovering several credit cards and other accounts opened without my consent. After 4 years of failed efforts on my behalf I obtained the assistance of XXXX XXXX, As of XXXX XXXX XXXX identity theft victims complaint and affidavit was filed with additional documents was submitted to Transunion XXXX XXXX and after a new investigation and verification of the claim made my whole credit profile was erased. The gross negligence of the XXXX credit bureaus since the identity theft occurred to present day has me disfranchised I unable to obtain financing for a new home, vehicle and even gainful employment. Currently they are reporting inaccurate incorrect & negative information on my credit reports I have several credit inquiries I did not make a account with XXXX which is open and current being reported as closed, the length of my credit history is incorrect several versions of my name as aliases and several versions of my address. I am domicile to XXXX, PA XXXX & a private mailbox mailing address as XXXX, Pa XXXX for security reasons to protect and prevent further identity theft.

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 01-05-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Unsolicited issuance of credit card

Complaint: I applied for an XXXX XXXX Visa Signature Card with Bank of America. The offer was for XXXX XXXX Miles and a {$100.00} statement credit after spending {$1000.00} on the card. 

However, after applying, my account was sent to 'pending '. After calling pending, my account was opening as an XXXX XXXX Visa Platinum Plus account, without informing me. Additionally, even though I applied for a specific offer, the terms were changed without my permission, and an account that I did not want was opened without my permission. The reason given was 'the Signature card requires a {$5000.00} credit limit, but you only received a {$2000.00} line '. However, I had {$31000.00} in available credit with the bank that an analyst was easily able to move over. The analyst was XXXX in the Preferred Credit group. So, the credit was there, but the agent chose to open an inferior account ( not the account that I applied for ) in order to charge me an annual fee without giving the bonus that was promised. 

This seems to be very deceptive and fraudulent, advertising a bonus and then changing the terms without my permission.

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 11-03-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (ME).
Issue: Loan servicing, payments, escrow account

Complaint: For over a year now I have been trying to get a refinance with Wells Fargo Home mortgage. Needless to say they played games with me. I got the State of Maine involved, and they are playing games with my representative. They do things like say they do n't have phone numbers, and both times they transposed the area code XXXX instead of XXXX saying that is why they did n't return calls. I can understand it happening to one of us but not both of us, separately? They send us forms, we fill them out and then 2 months later they say it is the wrong form, when its the form they sent us and there is no difference but the date at the bottom. It needs to be filled out again. They recently have raised my payment by {$3.00} and did n't tell me. I think they are supposed to send me a letter with the change I still dont know why. They held it and did n't apply it to the loan, this affects my credit adversely. They transposed my social security number on my loan causing more issues. I fax them paperwork and they lose it. My proponent from the State of Maine is very disgusted with them and has great notes. He has filed another complaint with another organization on my behalf. Its really bad. Currently I am employed by a private college, they have their way of doing things. the YTD earnings is not on my paystub. Wells fargo is being very difficult regarding this. I am NOT going to be able to change the entire university 's pay system to accommodate Wells fargo. I did get the the information in another document and I provided the phone number to the accounting department. Numerously I have submitted paperwork, and they come back wanting paperwork to prove the same thing I just sent them. For example, they asked me for a letter stating that I live on the property, I wrote the letter dated and signed it. I will bet they will reply saying they want more information on this in order to stall. The will only take submissions via Fax, EVERYTHING is very difficult. I get very emotional because this is my home I have raised my children in and where my husband died. They know I have equity and they want me to lose it so they get my equity. This complaint is for a refinance, handling of my payments and hardship refinance. this is the most frustrating process I have ever been through. I am XXXX my husband was in the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient failed to notify me twice about renewing my repayment plan. I got a notice on XX/XX/2016 through email saying that I have a new document to be viewed. This email did not specify what kind of document it was. 3 months later on XX/XX/2016 I saw that my interest was capitalized and it was way overdue to renew my repayment plan I was able to submit my renewal for a resumption of my income based repayment, but Navient refused to removed the capitalized interest even technically I have not changed my plan. In addition, Navient failed to notify me twice, as required by Department of Education, to renew my plan. I hope that CFPB can help me with this situation as Navient entices customers to have email notices as a form of communication, but fails to provide what information the notice it contains ( most of the communication are the payments and monthly bill ). It is a setup for consumers to miss important notices such as renewal of their repayment plan. In addition, Navient failed to notify me twice about renewal of my repayment plan. The Department of Education requires loan servicers to notify borrowers twice about renewing their plan. I only received one notice about this and it was solely missed because of the above situation. Finally, Navient is a company whose sole drive is to make money for its stockholders and I believe that they are finding loopholes in the current system to increase payments by borrowers like me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: on case # XXXX, i received the modification of promissory note & the payments are not correct. I have attach a copy of the recast agreement that I signed in XXXX. It clearly state with the recast my mortgage payment and estimated monthly escrow payment of XXXX ( which is still effective ) that the total monthly payment is XXXX and without recast the total monthly payment is XXXX. I have been requesting the recast payment since XXXX and Ocwen still has not gotten it right. This modification is without the recast. I WANT THE RECAST PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623

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 04/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: WHILE MAKING AN ELECTRONIC PAYMENT ON XXXX/XXXX/15 GREEN TREE DOUBLE CHARGED ON THE SAME DAY AT THE SAME TIME MY XXXX XXXX XXXX ACCOUNT # XXXX FOR MY LOAN # XXXX. 
I DISCOVERED IT THE NEXT DAY AND PROMPTLY NOTIFIED GREEN TREE THEY HAD INCORRECTLY CHARGED ME TWICE FOR THE LOAN PAYMENT. 
INSTEAD OF SIMPLY LOOKING AND VERIFYING THE DOUBLE CHARGE IN THEIR RECORDS AND CORRECTING THE OBVIOUS MISTAKE THEY DEMANDED I PROVIDE THEM WITH BANK STATEMENTS AND ABOUT XXXX OTHER TIME AND EFFORT CONSUMING ACTIONS BEFORE THEY WOULD REIMBURSE ME THE MONIES. THIS UNNECESSARY WORK AND DOCUMENTATION WOULD RESULT IN A SIGNIFICANT DELAY WHILE THEY WRONGFULLY HELD MY MONEY. TO RESOLVE THE MATTER THEY AGREED TO SEND AN EMAIL DOCUMENTING THE REQUIRED ACTIONS BY ME BEFORE THEY WOULD RETURN MY MONEY. TO DATE THEY HAVE NOT DONE SO FURTHER DELAYING RETURN OF MY MONEY.THIS HAS CAUSED A HARDSHIP PAYING OTHER BILL BECAUSE OF THE LARGE AMOUNT OF MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Please see attached documentation that I received from XXXX today stating that my loans were in general forberance during the specified time periods. Therefore, the loans should not have been reported as delinquent on my credit report. I feel as though all of my loans that are with account number XXXX should be corrected to reflect the attached letter. I spoken with XXXX multiple times and they declined to fixed their reporting. I do n't think it 's right that my credit report is affected negatively due to this inaccuracies. The letter from XXXX clearly states the dates of my forbearance. This has caused me to suffer significantly in regards to credit approvals, which includes, but not limited to higher than normal interest rates, required deposits, and denials. 

Furthermore, attached is an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' I have tried to dispute this multiple times throughout the years with no.resolution. I would like for the CFPB to present my position along with the documentation provided to all ( XXXX ) major credit reporting agencies so that they can take the appropriate action in fixing my credit report. As reflected on my credit report attached all loans have since been paid and I do not owe XXXX for the accounts in question. How is it possible that my loans can reflect in deferment per the XXXX attached letter, but appear delinquent on your credit report? This is a major conflicting discrepancy that I wish to get resloved because essentially I believe that my credit report should match the statement provided from XXXX. I desperately seek some form of relief. 

Thank You FTC advisory opinion : https : XXXX I have also attached my credit report that will reflect the late payments on XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: fraud against chase bank jp morgan XXXX for the FEDERAL DEPOOSIT INSURANCE CORPORATION { FDIC } BY JP MORGAN XXXX XXXX XXXX HOUSE XXXX COUNTRY RECORDS .... JUDGMENT PURSUANT TO RULE XXXX ( e ) for abuse of discretion { atthur v. king XXXX F XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX appeals federal rule of civil procedure XXXX ( e ) Rule XXXX ( e ) real property federal district court pursuant to XXXX XXXX XXXX XXXX NAMING JP MORGAN XXXX FOR THE XXXX XXXX XXXX XXXX DOCKET XXXX XXXX -cv XXXX XXXX XXXX XXXX ACTIONING REAL PROBERTY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Equifax should be held accountable for their failure to notify customers in a timely fashion that all their personal information has been compromised. 

Individuals impacted should receive a copy of their credit report immediately, free lifetime credit monitoring, and aCcounts should be frozen. 

I attempted to get my credit report from annual credit report, but the EQUIFAX system continues to fail. It 's bad enough that Equifax waited to tell everyone that the system was compromised and personal info stolen, but it 's made worse when you ca n't get a copy of your credit report to find out if someone has fraudulently started using your name and SSN. The site just crashes over and over. Then you type in your information and the system tells you that you are part of the system hack and your information has been stolen, but you ca n't sign up to do anything because the system is down ...

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Bank account or service (Checking account) with BANK OF THE WEST (UT).
Issue: Deposits and withdrawals

Complaint: When I applied for the checking account, I chose the option to fund my checking account by credit card for {$500.00}. My card was charged, and the bank claims they have not received the money from the credit card company and will not place my {$500.00} in my account. The bank will not help me find or return my money. I am really concerned about my money being " lost '' by a bank. Repeated calls have led me nowhere.

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 05/19/2017 about Debt collection (Other debt) with Bonneville Billing and Collections (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX   XXXX ,  2017  A collection report was placed on my  XXXX  and   XXXX   report in the amount of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Billing disputes

Complaint: American Express, without notice or explanation, has removed my ability to challenge and/or inquiry questionable charges via its website. Access was removed approximately one week ago. Since then multiple requests to restore access have been ignored. 
XXXX

Company response to consumer: Closed with explanation