milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AK).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX   XXXX  the payment I owed to  XXXX  of  XXXX  which was received 6 days late due to a problem that I was not aware of. I was out of Alaska, in  XXXX  and I did not receive any statement from  XXXX  with late dues.   When I came back which was in  XXXX   XXXX  I tried to explain to  XXXX  that I was out of the country, and was sure that the amount was paid.   They said that the 30 days in which I should have resolved the issue I did n't call ...  ..but  how could I be aware that the payment to  XXXX  of  XXXX  came 6 days was late?   I tried to resolve the issue with them, but there was absolutely no opening.   Nor there is any opening from their side right now.   They have sent this to Equifax which is creating a problem for me.   I would very kindly suggest that you mediate in this affair.   I do not owe anything to  XXXX , there are only charging interests.   Even though I tried to pay the interests for one month, for the delay ; they are not considering that either.   Thanks  XXXX   XXXX   XXXX  Account Number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Credit line increase/decrease

Complaint: I received a letter from Synchrony Bank ( formerly GE Financial ). In the letter, it lists reasons why they reduced my credit limit such as number of times credit used in 12 months, number of months credit card has been opened, amount of payment to low over 12 months, and used too much of credit limit within 6 months. And, at least XXXX of these reasons are false. 

I called the phone number listed to obtain further clarification and dispute action. Initially, I was told to contact XXXX to get further clarification. After tell them, I knew my credit score. Then, I was told they have their only credit scoring. When I asks them for further details, I was told they do n't give out information about their scoring. I would also like to note : I have made more than the credit payment they required every month on time ; they lowered my credit limit so low that I would have went over the limit the next time a finance charge was assessed ; and over they past 6 months I had used less than 50 % of my credit limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (WI).
Issue: Account opening, closing, or management

Complaint: Citi Bank had a {$400.00} checking promotion for keeping {$15000.00} in an account for 30 days. Around XXXX/XXXX/16 I opened an account with them and sent {$15000.00} for deposit. They sent an email that went to my junk mail requiring more information. Since I did not receive it, or any other contact from them, they moved to close the account with no activity. Around XXXX/XXXX/16, I called them to see the status of the account. I was told it was closed, but reassured by the Citi representative that if I opened a new account, I was still eligible for the bonus. I did so, and fulfilled the bonus requirements. I contacted Citi in late XXXX to see where the bonus was, and they said they could not give me the bonus because I had an account opened within 60 days of the latest XXXX ( the XXXX that was automatically closed ), directly contradicting what I had heard from their own customer service representative very specifically telling me I was still eligible for the bonus. We went back and forth and they absolutely refused to honor what their employee had told me.

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 09/25/2017 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: Account status incorrect

Complaint: XXXX XXXX Card Service # XXXX XX/XX/XXXX XXXX reported the account as Charged Off and reported to the account C/O on XX/XX/XXXX.
XX/XX/XXXX XXXX sold the debit to XXXX XXXX XXXX that clearly sated in their letter to no longer communicate with XXXX. 
XXXX continued to report the account as C/O thru XX/XX/XXXX. 
XXXX no longer sent any form of communication. They never once confirmed or attempted to collect the debit because they had sold it off to the credit collectors. 
XXXX claims that they did not sell of my debit. This is false as they willing supplied information to the debit collectors. 
XXXX falsely reported to the credit reporting agencies that I still had a debit and that I was still in charge off status. 
XXXX at their own admission clams that they reported this debit but that there was no way for me to pay the debit and stop the charge off reporting. 
XXXX continued to report to the credit agencies that their was a balance due even though they no longer held the debit. The debit was sold numerous times over the course of the next four years. 
I have contact and reported this to XXXX numerous times with no logical resolve. 
This reporting has destroyed my credit and has preventing me from moving forward in life. My report to this day appears as if I charged off the account on XX/XX/XXXX when in fact the account was charged off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Payday loan) with WLCC (DE).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Green circle is not a licensed Delaware lender. They have sent me an email stating that they are going to send a " wage assignment '' to my employer. They continue to call and send me emails.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Consumer Loan (Title loan) with CHECK INTO CASH INC. (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I am a XXXX year old female and on XXXX/XXXX/2015, due to an emergency, I made the biggest mistake of my life. I took out a title loan on my car at 'check into cash '' for XXXX in XXXX , TN. I have paid every month since then on time. This past week, the last time I paid I was told that balance was XXXX, so after receiving my income tax refund, I called to ask what my balance was and was told it was XXXX rather than the XXXX. This was all the money I had. I have paid to this date XXXX and do not understand why I still owe XXXX. If I pay based on their payment plan, I will have paid around XXXX for a XXXX loan. I do not understand why this is legal. It seems so outrageous, but at the time I did not realize how much I would be taken advantage of. I wonder how such our legislators would allow such a business to operate. I am so depressed and despondent over this costly mistake, but do n't know what to do at this point. My car is an older car but I do not want to lose it. Can you please help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have disputed Fraudulent information on my Credit Report, however, Credit bureaus still not give me investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was sold to Ocwen Loan Mortgage Servicing. When I fell behind in my payments, I told that I did n't qualify for XXXX and yet I am now more upside-down than I was before they refinanced my loan. Now I owe about $ XXXX more than it 's value and there is a balloon payment so I will never get out of the loan. I tried to give it back to them and rented another home for two years- they let it sit, knowing it was empty and the pipes froze and when I did return, there were XXXX or XXXX leaks in the pipes and walls/ceiling to fix. Now they call and tell me that the call is NOT an attempt to collect a debt as it was included in my BK in 2011, but I do n't know how to get out of the loan and move on. The house is falling apart with holes in the ceiling and walls from the pipes bursting. When I ask them about the disclaimer, they say that they can not hold me accountable for the loan due to my BK- so can I walk away? Last time I tried, they left it in my name so I was on the deed, liable for all XXXX charges of sewer and trash, and XXXX taxes. Help, what can I do to get out of this situation? Also, now I have had XXXX separate instances where a call coming from their number is a person trying to get me to send several hundred dollars for 'fees ' XXXX in Florida- they threaten me and they berate me and yet when I originate a call to them, they say that there is no record of this person or the contact telling me to update my taxes, and impounds and to send money to their lawyers. I feel threatened and antagonized by them. So can I walk away and if so, how do I get the liability for this property out of my name? Am I just renting??

Company response to consumer: Closed
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: AES refuses to assist me with a reasonable payment option for my ALPLN loan. I am not able to make the current amount ( it is an entire paycheck at my current wage ) and they simply state there is no other options. If the current situation continues it will cause great undue hardship upon me and my family. Take note that I have made timely payments since for years now. I sincerely asked that they provide me with any option and they stated I had used all my options. They offered to lower another loan amount ( only temporary of course and they make it sound like this option is there to help me of course its going to put a lot more money in their pocket ) but of course that would lead to paying a greater amount of interest on that loan leaving me worse off than I am currently. I want to repay my debt however they make it impossible, the interest rates are completely unaffordable. I soon as I feel like Im on top of this situation they pull the rug out! I have paid more than enough interest for them to tell me there is not an option is completely cutthroat on their part. If they truly cared about the consumer they would take into consideration the individuals income or help them by finding an interest rate that is affordable and profitable for the company. AES is taking away the future of the students it supposedly served to help obtain a solid financial future. The university I attended is XXXX University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I was told by the big picture loan that I would have to pay back {$540.00} for a loan of {$400.00} to this date of XXXX/XXXX/2016 I have made XXXX total payments of {$140.00} via automatic draft from my banking account Which equal up to {$560.00}. I have not been late or missed a payment. When I called today to question them about a letter I received from Big Picture Loans for another loan. I assumed my loan was paid in full. I also recieved a email from a XXXX stating that my application had been approved. I did not apply for a loan with them and I believe Big Picture Loans sold or gave out my personal information. I have already paid them more than I borrowed and more than what was stated to me would be my payback amount of {$540.00}. While I was on the phone with the rep she offered me a " courteously '' waive of charges if I gave them permission to withdraw {$400.00} from my account ... .THAT 'S {$940.00} that I would have paid for borrowing {$400.00}!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Accounts paid credit cards do not belong to me XXXX on Experian paid XXXX see copy court papers 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 non-monetary relief
Consumer complaint received 01/14/2017 about Credit reporting () with Experian Information Solutions Inc. (WY).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I was denied a consumer loan from my bank XXXX on XXXX XXXX 2017. 
Due to inaccurate credit scores provided to my bank XXXX by Experian. 
Page XXXX of XXXX sorry its upside down credit denial says my score is XXXX from experian. 
Page XXXX of XXXX My Experian credit score tracker I pay for through XXXX credit monitoring. 
Page XXXX of XXXX My Experian credit check & ID monitor XXXX bureau credit report on XXXX/XXXX/2017. 
You can clearly see the credit report I pay for is not the credit report my bank sees

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 06/27/2017 about Mortgage (VA mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Closing on a mortgage

Complaint: A total of 3 fraudulent charges were made to my Sun Trust Access 3 account, for {$20.00} each, on XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX, for a total of {$60.00}. These charges were made without my knowledge or consent. <P/>The charges were for FAX transmissions of account-related documents that were allegededly needed to close on a loan ( for which I had not applied ). When I discovered the fraud, I immediately called the bank to request a refund. I made 2 separate calls and talked to 5 representatives, each of whom claimed there was 'no error ' ; that, since I had applied for a V.A. Loan, I had authorized the charges. <P/>Finally, I contacted Suntrust Bank by U.S. Mail to advise the President of the fraud. My request for reversal was denied. <P/>The problems with the bank 's argument are : 1. While I had applied for a V.A. 'Refinance Loan ', and that application is still in progress, I did not apply for the loan in question, nor had I spoken to the individual who requested my account documents, 2. The document I signed giving my Loan Representative access to private account-related information did not specify that it would be sent via FAX. ( It could have been sent by U.S. Mail ; or, via Email, as PDF attachments. ). In fact, I have already sent a number of documents to my Loan Representative via Email as PDF attachments, and they were accepted in that format. He has never suggested that I need to send documents to him via FAX.
<P/>
3. Since a V.A. Loan Application can easily take 3 months or more to process, same day FAX transmissions are not a necessity.
<P/>
My desired resolution is restitution of the {$60.00} that was stolen from my account by Suntrust Bank.
<P/><P/><P/><P/><P/><P/><P/>
Mobile Phone : 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 monetary relief
Consumer complaint received 01-11-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: When I closed on my home in 2015, I was made to understand that I have 1 month of payment free. I mistakenly made a payment in the month I was supposed to get for free. The bank that my loan was transferred to, Wells Fargo, has been harassing me since 2015 that I am owing them. Sometime, XX/XX/XXXX or XX/XX/2015, I got a letter from Wells Fargo not to make a payment in a certain month. I took this letter to Wells Fargo and they took it from me and never returned it back to me. Since then, I have researched, through Wells Fargo Home Mortgage experts, and they found out that I actually made an extra payment in 2015 and it was credited to an escrow account. Recently, they reported me to Credit Bureau and this has been negatively affecting my credit score. They have also been but extra payment defaults against me. Please I need your urgent intervention for this unwarranted harassment.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX is falsely reported, opened XX/XX/2017, amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We live in ohio and had citimortgage for our mortgage company, not by choice. We live in a city that we feel doesnt have a good school system for our daughtera so we have been paying for XXXX education. In 2012 we had XXXX girls in a XXXX school costing over {$20000.00}. We tried remodification multiple times with CitiMortgage but we didnt qualify for any help whatsoever. Our mortgage was messed up and i had to get the ohio attorney general involved. That same year my husband took a huge paycut and we couldnt make the house payments with our 9 % interest that we could not get help with from citimortgage. After about a year of not paying our mortgage the loan was sold to XXXX. Now our house has been foreclosed and was sold at auction. My questions are multiple. Why didnt we quality for any type of remodification when, according to the president, everyone should have received some type of help? Why would a company purchase a mortgage that was already in default? How can citimortgage have gotten away with doing what they do. I know they have alot of lawsuits against them but i dont have the funds to take them to court and now we are facing eviction from a home that we have lived in for 21 years. I feel we were wronged by citimortgage and if they would have remodified our mortgage, we wouldnt be in this situation. There has to be something done but we cant afford help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit Report dropped mysteriously on XXXX Noticed Cbna hard hit Inquiry from XXXX XXXX, 2017.
I did not apply for a credit card with this company or any related company under this bank. I did not  authorize a hard inquiry from 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 06-09-2017 about Mortgage (VA mortgage) with M&T BANK CORPORATION (SC).
Issue: Struggling to pay mortgage

Complaint: Made scheduled payments according to agreement but now Bank saying I missed payments last year. I have Bank statements but the say I need cancelled checks. I tried to explain I have a checkless checking account so there are no cancelled checks. They accepted a  XXXX  payment in  XXXX  and the I sent  XXXX  in  XXXX  that they refused. I have had this problem several times before and always look for a way to come to a settlement in which I end up paying thousands of dollars upfront and large payments following months. Then once I 've satisfied my agreement they come up with something new. I can provide more indepth detail about events over the last few years if needed. I feel the Bank is doing this to me intentionally and I feel it 's based on discrimination and wonder how many other  XXXX  Americans are having/have had the same problem. If I had missed payments the way was the  XXXX  not applied to that rather than to the current month s (   XXXX ,  XXXX , &  XXXX   ). I  forgot to mention that they refused payments back i n (   XXXX ,  XXXX , &  XXXX  ) of    2016. Th ey refuse all these payments and then require me to pay them all in a lump sum upfront payment. I 'm not a wealthy person and a single parent who basically lives paycheck to paycheck. I need to know if I ha ve a legal avenue to file a  class action suit or what can I do to stop this type of recurrent action. Why did they accept my  XXXX  payment in  XXXX  and then move to foreclose on my home? Why did n't they say something then?

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 04/20/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid in full but still remains negative on my credit report as if instill owe this Debt effecting my ability to make be purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Medical) with Ray Klein, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I just recently found out that I have a judgement against myself ( From a credit report ) I went to the Court House and asked them. They told me, " Yes you do. '' and provided me with the paperwork stating how much the judgement was for ... And now .... The collection agency is demanding over a {$1000.00} in interest. I was never notified of any actions that were taken against me by the collection agency. Then when I called them today and asked them to provide me with the judgement paperwork, where it shows that they were awarded that interest, they refused to do so.Please help me to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation