milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax hack put my credit and social security number at risk. The solutions offered such as one year credit monitoring and 90 day fraud alert seem insufficient. I have little control over my personal information stored by Equifax but face the negative consequences if something occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After a year of court appearances and several thousand dollars in court and attorney fees a settlement was reached with the plaintiff American Express. On or about XX/XX/XXXX a stipulation of settlement was created for 50 % of the balance owed to American Express which came to {$10000.00}. The first payment of 24 payments was set to begin on XX/XX/XXXX. I started making all payments in a timely manner. On or about the 20th payment, there was a problem with my bank account, so I sent the check from a different bank account which was cashed in a timely manner. Apparently XXXX claimed that one payment was still outstanding. I made countless phone calls starting in XX/XX/XXXX with no success. I spoke with many representatives all of which promised to help me, but instead ignored me and never returned any of my calls. I sent XXXX a letter on XX/XX/XXXX with proof of all payments, again XXXX completely ignored my request to look into the matter. l continued to make all 24 payments on time and wrote a final later with the payment number 24 on XX/XX/XXXX requesting the account be closed and removed from my credit report. XXXX did not respond. On XX/XX/XXXX I received a letter from XXXX  requesting the other 50 % claiming that the 1 payment was still outstanding so now the entire balance was due. I called maybe 20 times, speaking with many representatives, with no success. XXXX did respond on XX/XX/XXXX as well as XX/XX/XXXX indicating the account was in dispute. 
As of today XX/XX/XXXX there is no return phone calls from XXXX and each month the missed payments are being posted on my credit report indicating the account is in default, ultimately lowering my credit score. I filed a dispute with all 3 credit bureaus, but XXXX XXXX  response is, the account is still active. I need further this issue in order to achieve resolution. I will also be filing a complaint with the attorney generals office as well. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Risecredit, LLC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reviewed my credit report and noticed my credit was pulled by Rise. I never used this company for any services or applied for a loan with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax carelessly mishandled my personal information which has put me and 180 million other people at risk of identity fraud. The fact that I have never personally used any Equifax service and the fact that I was never notified of this and only found out a month later through news outlets makes me feel helpless and this situation seem unfair. Even now the amount of effort and money I have to put towards trying to secure this information and freeze my assets is somewhat absurd and should be entirely absorbed by Equifax, not placed on the consumer. Words can not describe how disappointed I am in this system and how imperative a change is.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not know what this debt is for, please verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with CITIBANK, N.A. (NM).
Issue: Late fee

Complaint: When Costco changed from XXXX XXXX cards to Citibank Visa, the balance from XXXX was switched to Visa without notice. When first Citi Visa statement was received, there was a late fee. Several other friends/relatives had same experience. Just received latest Citibank statement that included late fee and interest. Our bank transferred funds to Citibank XXXX/XXXX/17 as the statement had XXXX/XXXX/17 due date. Customer Service rep said the bill was actually due XXXX/XXXX/17 in spite of due date XXXX/XXXX/17 being clearly printed on statement. They reversed charges upon complaint, but many customers wo n't bother to complain. Believe Citibank practices are a scheme to defraud customers. Fraudulent business practices likely result in many XXXX of dollars loss to customers annually.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (FHA mortgage) with UNITED SECURITY FINANCIAL (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Terminated/canceled refinance without my knowledge after signing closing documents. Now have left me high and dry without a way to resolve. Was berated by the " manager '' and was called privileged and fortunate for using there company. Missed 2 payments because of them and the way they have done business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: 1. Disputed Unauthorized accounts on my Transunion Consumer Report and requested Original Documents with my wet ink signature Verifying these accounts. 
2.No Response from The Consumer Reporting Agency regarding my Concern of Providing me Physical proof of claims. 
3. I received a completed dispute with a few items removed buy quite a few still remains. 
4.According to The FCRA Section 609 All Accounts most be Verified Physically with Copies of the Original in the consumers file and if requested to see Documents must be Provide and if the Accounts cant be Verified following the Federal Law they must be removed 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
Consumer complaint received 01-11-2017 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: This morning XX/XX/2017 I talk to XXXX, Asst Vice Pres of Huntington National Bank in regards to a complaint I filed with CFPB ( # XXXX ) she threaten to close my debit account for complaining about the 2 bank tellers violating my FERPA, confidentiality of my personal information, and doing an unauthorized credit check and closing out my Amex card. After complaining about the 2 bank tellers, one of the tellers is not at that branch and the other teller is being supervised by new and different personnel from other Huntington National Bank branches. She also suggested I not bank at that branch and that I need to go another branch. I should not be threaten in that matter by a bank employee for matters that are being done against me that are illegal. This matter needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Problems when you are unable to pay

Complaint: I HAVE A LOAN WITH TOWER LOAN IN XXXX XXXX LA. I AND HAVING EXTREME FINANCIAL DIFFICULTIES AT THIS TIME AS MY HUSBAND HAS BEEN LAID OFF SINCE XX/XX/2015 AND I AM THE ONLY ONE WORKING. I HAVE BEEN TRYING TO PAY THEM AS MUCH AS I CAN EACH PAYCHECK. I AM NOT IGNORING THIER CALLS I AM IN CONSTANT CONTACT WITH THEM. AS I AM WITH MY OTHER CREDITORS. THERE WAS AN INCIDENT WHERE I WAS SET TO BRING IN A XXXX PAYMENT AND THE NEW MANAGER OF THE OFC INSTEAD OF CALLING ME CALLED MY REFERENCE AND TOLD HER ALL OF MY BUSINESS. HE TOLD HER HOW MUCH I OWED AND THAT IF I DID NOT COME UP WITH THAT AMOUNT OF MONEY THAT THEY WERE GOING TO SUE ME. THIS IS NOT THE WAY TO DO BUSINESS. THERE WAS NO REASON FOR THEM TO EVEN CALL MY REFERENESES. I XXXX AND I KNOW TGAT TE ONLY TOME YOU ARE TO CALL THE REFERENCES IS WHEN YOU CAN NOT GET AHOLD OF THE CUSTOMER. THAT IS NOT THE CASE HERE THERE HAS NEVER BEEN A TIME WHEN I HAVE NOT KEPT INTOUCH WITH THEM. THE PREVIOUS MANAGER TOLD ME HERSELF THAT SHE NEVER HAD ANY PROBLEMS WITH ME THAT I WAS A GOOD CUSTOMER. I ONLY STARTED TO HAVE TROUBLE PAYING WHEN MY FINANCIAL SITUATION CHANGED SO DRASTICALLY IN XX/XX/XXXX. AND I WAS BEGGING THEM TO WORK WITH ME. WHICH THE XXXX 's IN THE OFC WERE DOING BUT WHEN THE NEW MANAGER CAME ON BOARD HE DECIDED THAT HE WAS GOING TO NOT WORK WITH ME AND THAT IS WHEN HE CALLED MY REFERENCE. I DID FILE A COMPLAINT WITH THE COORP. OFC.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Not sure every account on my credit report are mine. I 'd like proof that these are mine with my signatures!

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have repeatedly reported to all three credit bureaus that I have never lived XXXX MD and I have never opened a PO box or had the reason to. I have lived at the same address for years. This inaccuracy has affected my ability to open a new line of credit because it 's being used as identifying information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Balance transfer

Complaint: My Costco XXXX was taken over by Citi Cards. I have a balance on the card of XXXX. When Citi took the card over, they gave me a credit limit of {$3700.00}, which put my account into arrears, and they stated I had to pay {$1400.00} to put the account into good standing. My complaint is if they did not want to extend more credit to me, they had to give me a credit limit of at least my balance, so as not to put my account into arrears and cause me additional undue stress. Seems like an unfair and deceptive practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I paid the law firm of XXXX Over {$4000.00} to represent me with my Lender Seterus for a Loan Modification this started in XX/XX/XXXX. For the last 3-4 months there has very little if any communication I have not received any written info It has all been verbal with promises that we will call you back which does not happen ..I then read that this company is a fraud .Seterus will not talk to me as they say you have a attorney

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (I do not know) with MILLENNIUM FINANCIAL GROUP, L.L.C. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: this debt is on my credit report and I do n't know what this debt is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (VA mortgage) with LAKEVIEW LOAN SERVICING, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: Received unsolicited letter via XXXX XXXX from Lakeview Loan Servicing Friday XXXX/XXXX/16 offering a VA XXXX loan, which is a VA Interest Rate Reduction Refinance Loan at 3.25 % ( 3.26 % APR ). 
Letter indicates this is a special offer and I need to act now : There are No Origination Fee, No Underwriting Fee, No Processing Fee. This is a streamlined VA process, no Certificate of Eligibility, No Appraisal, No Minimum Credit Score, No Employment Verification. 
The rate offered is 3.25 % fixed for 30 years and gives my specific loan details. 
The letter is signed by XXXX XXXX, Senior Vice President, Loan Originations. 
Indicating I need to act quickly to lock in my low rate by calling before XXXX XXXX, 2016. 
They are the company who is servicing my loan already so they have all of my information and details. 
Called Lakeview Tuesday morning XXXX/XXXX/16 around XXXX and spoke with XXXX XXXX XXXX. XXXX requested letter to be scanned and sent to him XXXX that same day. After a few back and forth emails he could not honor the agreement. 
I spoke with his manager XXXX XXXX at XXXX, XXXX made a number of statements of which I question the accuracy. He mentioned the 3.25 % is available but I will not get the lender credit. He also mentioned the company could do 3.5 % and I get the lender credit, which is the better deal and makes more sense. 
I requested lending disclosure documents for 3.5 % with the lender credit. 
Later XXXX XXXX sent an email link for loan documents soon after that. 
The loan documents list the no fees as promised in the advertisement and overall look correct, except there appears to be some questions how they came up with some of the closing prepaid fees and escrow account. Understanding how this works, I questioned the documents and was given an answer of questionable accuracy. 
I have requested numerous times to get the offer that was advertised they have not been forthcoming.

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 01/15/2017 about Credit card () with Alliance Data Card Services (OH).
Issue: Rewards

Complaint: I signed up for a XXXX credit card due to the fact I had purchased a boat and at our XXXX they were advertising {$.00} per gallon rebate for the first 3 months if you spent more than {$1000.00} per month which I did. They have not given me my full compliments of rebates since they say they do n't recognize the marina as XXXX even though on my monthly statement on all but one transaction it 's listed as XXXX XXXX. I had contacted Commenity bank the first time on XXXX XXXX and it is still not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient is negatively reporting to the CRA 's that I missed payments in XXXX ; however, like now, my payments have always been in either forbearance or deferment due to me being in and out of school. Also, there is an account that is now currently reporting incorrectly that should have been transferred over to XXXX from XXXX, because of being a XXXX XXXX XXXX and qualifying for the loan forgiveness program.I was told that this was not done in error and the loan needed to be consolidated - this is not true as I have spoken to XXXX on XXXX/XXXX/XXXX, and because of the type of loan it should have been transferred over with the other ones in XXXX. I am demanding that this information is updated to show that there were never " late/missed '' payments in addition to transferring the last loan as they should have in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Credit line increase/decrease

Complaint: I would like a credit line decrease on my CapitalOne card. I want to apply for a new card from another providers and eventually cancel the CapitalOne card. I want to reduce my revolving credit to get the best rates from the new company. I requested a credit line decrease from CapitalOne which they denied and will not tell me why. I asked to speak to a supervisor, and was told that no person can override the computer determination that I am not entitled to a credit DECREASE. 

I do n't why it is even lawful for a credit card company to decline to DECREASE consumer credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Signed up for {$4.00} trial membership, cancelled before the trial was over. 29 days later I have been billed {$14.00}. Hold times to cancel by phone are over 90 minutes.

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 01/23/2018 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Closing on a mortgage

Complaint: Bank of America replied to a complaint approximately 2 weeks ago. They did n't provide any individual treatment to the situation. I 've left two messages since the response was left on my VM and no one from BoA will return my calls. I have questions in regards to the solutions that do n't apply to my client. She is the XXXX of a military veteran who had a loan with BoA. The XXXX 's intention was not to keep the property because the spouse could not afford to keep it with two mortgages. BoA is the second lien holder and is refusing to work with the first lien holder unless my client turns over her financial information for them to conduct a loan modification on her instead of the borrower ( who is now XXXX ). My client does n't want to give a bank that she currently has no debt with her financial information because she feels she has a right to her privacy since she was n't on the first or second loan. She is only attempting to resolve the issues of her husband 's estate. BoA is choosing to dig into her personal financial information which may obligate her to pay for a loan she ca n't afford, while the first lien holder has completed the process for a streamlined short sale review ( not asking for any financial documentation from the XXXX ) but BoA refuses to cooperate. Now when I call and submit the account number the call is automatically directed to the person responsible for responding to the complaint but he never answers and has n't returned any of my messages. I 've left at least three. We 've worked out a deal to pay BoA the maximum allowed payment but they are playing hardball to XXXX a XXXX of a XXXX XXXX veteran. It is disheartening to think that BoA wants to punish my client for her husband paying this mortgage faithfully every month until he XXXX  ... even after my client paid the mortgage, without any reduction, until she could n't. If BoA continues to refuse to work with my client and agree to the short sale they will get nothing because the property is underwater and the first wo n't pay them anything. They are willing to accept nothing just to XXXX the XXXX of military veteran and that 's sad.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Customer service / Customer relations

Complaint: To Whom It May Concern : I 'd like to register this complaint regarding my past XXXX and initial phone calls to Bank of America Credit Card services. I recently opened a line of credit with them and have been wanting to do a balance transfer. XXXX call was made 2 weeks ago, XXXX calls have been placed this week, XXXX two days ago during evening and XXXX a few minutes ago, a Friday afternoon. I was told by an automated system message that the waiting time was between XXXX to over 2 hours. Last time I was told the same and offered a callback. This lack of service must be in violation of the company/corporations minimal service threshold. As a XXXX who helped push for the creation of the CFPB, I seek your help in having this issue addressed or filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hello to whom it may concern, Under the new law effective XXXX XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time XXXX equifax nor XXXX is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I inadvertently missed scheduling XXXX and XXXX 2015 payments on the Navient website and when I realized this made payments for both months on XXXX/XXXX/15. Yet on XXXX/XXXX/15, Navient reported the loans as charged off to XXXX. To my knowledge the loans I have cosigned for have not been reported as charged off for awhile ; I have been making on-time payments for almost two years ; well over XXXX in payments. However, if the loan was already in charged of status, why is Navient reporting it to the credit bureaus as a new charge off for missing XXXX payments rather than XXXX payments were missed? If Navient has the loan status as in active repayment, how is it that the loan is charged off for missing XXXX payments? Lastly, technically payment for these loans were current as of XXXX/XXXX/15? Why did Navient on XXXX/XXXX/15 report the loans as charged off/delinquent? I would like these loans placed back in active repayment status and the charge off removed from my credit report. XXXX missed payments versus a charge off is like saying an apple taste the same as an orange.

Company response to consumer: Closed with explanation