milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After suffering an incident of identity theft, I placed a fraud alert on all XXXX credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to the reporting agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : EQUIFAX:XXXXX.2016 and XXXXX.2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from XXXX XXXX XXXX for ( Acct # XXXX ) demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.

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 05-12-2017 about Mortgage (Conventional home mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (TX).
Issue: Trouble during payment process

Complaint: I have an LTV of < 69%, and >12 months Clean Payment History. I requested my escrow account waiver for 4 months, with many different responses to why my request was denied. Each time, became much more difficult to request the waiver. It leads me to believe they purposely were trying to hold my funds for their own interest, which is disheartening. When I would call back to request status, I would get different responses. Upon request, I re-sent my request to the subservicer,  XXXX ,   XXXX  , who was going to re-process my request for the waiver; however, when I called back on  XX/XX/XXXX , they demanded I resend in a new request. This was the first time I was told I did not have to re-fax it in to them, but they did let me know, that I still needed to make my full PITI payment. At this point, I believe that Franklin American is being difficult because they don't want me to self-administer my own taxes and insurance. This is very poorly viewed from someone who has never missed a mortgage payment, ever.

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 05-03-2017 about Debt collection (Other debt) with Talbot, Adams, & Moore, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On   XXXX     debt collector called, when I returned the call the I requested written documentation. She stated it had been sent when I informed her I did not have that she told me she does not have to send it out. Spoke to supervisor who told me that since it had not been returned they automatically assume the document has been received. When I requested another copy sent because I have not received it the supervisor informed me they do not have to send another one and that o can go to a branch to pay what is owed. I informed him that I live  XXXX  hours and would like documentation that I will have the ability to show the debt has been paid and he stated they do have to send anything once it 's already been sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 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: Account information incorrect

Complaint: This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXLast payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX Closed XX/XX/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 12/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I co-signed on my daughter 's college loan several years ago. Navient, who purchased the loan, has robo-called me at least XXXX to four times daily about repayment with requests to call XXXX at XXXX to work out payment plans. My daughter has a statement that repayment does not begin until 2017. How can I stop these calls?

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Called XXXX XXXX numerous times regarding incorrect reporting on credit reports. On XXXX XXXX 2016 XXXX XXXX accepted a payment proposal and enrolled my account in the XXXX XXXX agreeing to lower my interest rate, wave any past due, over-limit, and membership fees. My account was reported 30 days past due for XXXX 2016 and XXXX 2016. This is inaccurate. I called in XXXX to ensure that this issue was corrected. XXXX XXXX stated that it took XXXX billing cycles to correct the issue of not properly enrolling me in the program as agreed in addition to honoring the proposal that they agreed to in writing dated XXXX XXXX 2016. XXXX XXXX accepted proposals on both of my active credit cards with this company. The second credit card ending in XXXX did not have any issues however, the card ending in XXXX has been an issue that XXXX XXXX unfairly refuses to correct. For years I have been a customer paying my accounts and maintaining a good credit standing. XXXX XXXX XXXX company has made timely payments on behalf since XXXX XXXX agreed to the proposal. I have made additional payments on this account in addition to the monthly reoccurring payment. On XXXX XXXX 2016, approx. XXXX XXXX, I called XXXX XXXX and spoke with a representative by the name of XXXX. XXXX informed me that my account ending in XXXX was still showing pending of enrollment into the Workout program due to reoccurring system issues. She stated that someone should have informed me that I was to make double payments, payments submitted by XXXX XXXX XXXX Company and additional payments on my own to satisfy full payments until the system issue corrects itself. This did not make any sense to me. I would like to reiterate, XXXX XXXX accepted XXXX proposals for XXXX of my credit cards. The credit card proposal for account ending in XXXX was accepted and approved on XXXX XXXX 2016, this is the inaccurate account and the account that XXXX XXXX can not seem to correct. On XXXX XXXX 2016, my credit card ending in XXXX was accepted and approved with no issues. XXXX enrolled my account ending in XXXX into a XXXX Program to help suppress the late fees that XXXX XXXX placed on my account. XXXX state that I would need to write a letter to XXXX XXXX requesting removal of the 30 day late notices, XXXX in XXXX 2016 and XXXX in XXXX 2016 from the XXXX major credit bureaus. I wrote a letter dated XXXX XXXX 2016 to XXXX XXXX with this request. In a letter dated XXXX XXXX 2016 XXXX XXXX refused to correct my credit status. The letter states " we are unable to change our reporting on a courtesy basis. Also, we have placed a disagreement code with a resolution of dispute on your credit file to the major credit reporting agencies. '

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 09/28/2015 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (DC).
Issue: Account opening, closing, or management

Complaint: I went to Suntrust Bank to order Checks and the teller started asking me all these question and I assumed it was for submitting the right information on the checks. She never asked me anything about applying for a credit card. a week later I called to see about my check order because I have n't received them yet. They told me to go to back to the bank to see about the order and they told me that no checks had been ordered. A week later I received a letter in the mail denying an application for a credit card from Suntrust Bank. I took the letter to the bank to see the teller. The teller who was suppose to order checks for me was n't in and a representative took my complaint. She explained that it was the manager who applied for a credit card in my name. The representative took my complaint and explained the manager had no authority to apply for a credit card in my name or for me, because she was n't a sales representative. I then called the bank 's customer service and filed a complaint with them. Later that day I tried using one of my credit cards and it was denied and it was available credit on it.This may have a ripple effect on my credit with my creditors

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2016 about Mortgage (Conventional fixed mortgage) with TCF NATIONAL BANK (MN).
Issue: Settlement process and costs

Complaint: On XXXX XXXX 2016, my house was damaged by wind and hail. Because my mortgage is financed by TCF National Bank, the insurance company placed TCF and my name on a check for {$9000.00}. Assistant Vice President and Branch Lending Manager XXXX XXXX XXXX refuses to release the entire amount to me, even though I have provided all of the documentation he requested. Furthermore, when I spoke to him over the phone, he was EVERYTHING BUT HELPFUL ; he assume an arrogant, condescending, and patronizing tone and even had the gall to suggest that I was lying to him. It took a week to receive the checks to pay for materials and labor, and the checks amounted to {$600.00} short of the {$9000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: My debit card had an unauthorized charge by XXXX which caused the account to go negative. Bank of America immediately hit me with a overdraft fee. First I called XXXX, their customer service people quickly admitted the error and issued a refund which would take XXXX days to process. I then called Bank of America, they said they would n't do anything until all the transactions posted then they would refund the overdraft fee and remove it from my records. So I waited until then, I have since called them XXXX times, once I was on hold for so long I gave up, the XXXX time I kept getting bounced around different people. XXXX dept says since it was n't technically a fraudulent charge they ca n't do anything, another dept says they ca n't do anything because they state that this in fact a fraudulent charge and the other dept needs to issue the credit. The XXXX time I was hung up on by the employee.

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 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Called my cell phone multiple tmes that is on the do not call list without my permission. 
Wouldnt verify debt amount Wouldnt provide proof of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been working with Wells Fargo for months trying to get a Deed in Lieu of foreclosure recorded with the County of XXXX. The Deed in Lieu was approved in XXXX 2015. As of this date, XXXX XXXX it has not been recorded with the county. When we contacted Wells Fargo in XXXX, they admitted that the Deed in Lieu had not been recorded and it was their fault. They said a Re-executed Grant Deed would be recorded on XXXX XXXX, 2015. That has not happened. When I spoke with the County, they said that they record things as soon as they get them. It is instantaneous. I have had several follow-up calls to Well Fargo in XXXX, and they can not tell me what is going on. They will not provide the name of the attorney who supposedly re-excuted the Grant Deed. Meanwhile, since the house is still in our name we have to keep paying the $ XXXX county utility bills every two months. If we stop paying, they can place a lien on our current home!

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 06/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I was attending school back in  XX/XX/XXXX - XX/XX/XXXX . On   XX/XX/XXXX ,  I fractured my  XXXX  and I was unable to complete my schooling. I never received a certificate of completion or anything like that. In   XXXX  , I went to see if I could finish the courses that I missed. They told me I could and that they would contact me when they started again. A year passed and I did n't hear from them. So I tracked them down and asked if I could finish the courses that I missed. They told me I would have to pay for the course again. Obviously that was n't an option for me and I 've been paying on the loan ever since. My loan was for {$25000.00}. I 've been paying {$170.00} a month for about 9 years now which is roughly {$20000.00} dollars paid out, which would leave only {$5000.00} to owe. I still owe more than {$12000.00}! I have no idea what those payments are going towards. I only have a 3 % interest rate on the loan. Ideally, I would like my money back, either what I 've paid them, or refund the remaining balance and put a stop to the endless monthly payments. I 've told  Navient a ll of the above information and they told me I could take out another loan to pay them off, which is n't an option. And they were n't even empathetic to my unusual dilemma.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Billing disputes

Complaint: I have been paying on a card for so long and wish to have it paid in full for less right now while I have saved some cash to pay it. I am XXXX years old and want to quit calling every month but BofA does n't care. I 've been able to pay it in full for less with other banks who relieve me of past interest payments of a few XXXX dollars. I am a widow of retired XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified Consultants has listed a collection account on all XXXX of my credit reports that does not belong to me. I sent them notice asking for validation and proof bearing my signature that I signed up for a contract with XXXX that shows me being liable for the account. They have failed to provide such proof and now have reported this account on my credit reports causing harm to me. This reporting is a violation of my right under FCRA as they have not provided me with proper documentation prior to reporting this account nor proper documentation proving this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Payday loan () with Cottonwood Financial Ltd. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed {$300.00}, for 1 month and paid {$190.00} for interest which is outrageous. And made payments every 2 weeks. This is the highest I have paid. This company needs some checking into. It is the Cash Store.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (Conventional home mortgage) with CONTOUR MORTGAGE CORPORATION (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a Re-finance mortgage wit h Contour mortga ge and paid for an appraisal. After the appraisal my loan estimate went up by thousands. When i switched to a new mortgage company, I filled out an appraisal transfer and  Contour is refu sing to release the appraisal. I had the new compa ny (   XXXX   XXXX   XXXX   )  reach out to them and see if they could get it released and they are still refusing to release the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX late payments reflected from XXXX bank which are in error. They were suppose to take the money out on automatic payments which they did not. This derogatory information is listed on my credit report and should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Payday loan () with Razor Capital, LLC (TN).
Issue: Payment to acct not credited

Complaint: I made installment payments directly to the company, which is XXXX, and the loan was paid in full in XXXX 2016. I have an email of the pay schedule and also confirmations of each payment made. I expect this company is a scam and just looks for predators,,, ,well, they have met the enemy and need to leave me XXXX alone!!!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Bank account or service (Other bank product/service) with TCF NATIONAL BANK (FL).
Issue: Account opening, closing, or management

Complaint: There are several inquiries on my report that I did not authorize, XXXX of which looked as though when I was searching for cars. I did not authorize the dealerships to talk to other vendors/banks to get a lower rate yet that was done. This was done on XXXX occasions ( XXXX dealerships ) and multiple banks from each. This severely effected the inquiry portion of my credit report and my score in general. This needs to be corrected ASAP so my credit reflects correctly for now and future purchases/actual inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am in the process of changing my name because I was recently married. When I changed my name with the social security XXXX earlier today, they recommended that I get a credit report so that I had a complete list of all of my creditors so they can be notified of my new name. When I saw my credit report, I saw an overdue account that had caused significant negative credit effects, and found out that my Bloomingdales credit card had been fraudulently used on XXXX XXXX, 2016. Apparently this was an online purchase of Lancome makeup ( which I do n't wear ), and which I did not make or authorize anyone else to make. When I called to complain about this, I was also told that my account had been closed in XXXX 2016 and a new XXXX opened shortly thereafter. I neither closed nor opened any Bloomingdales accounts during that time frame, and the opening/closing and XXXX XXXX charge are all fraudulent, unauthorized actions.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX   XXXX  show me being late on payment s 180+ d ays from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  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 11/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have received a letter from the credit card company reporting a charge off on my report from first premier credit company stating they are deleting this account off of my credit report and it is still showing on the report. It needs to be deleted immediately.

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