milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2015 about Student loan (Non-federal student loan) with AES/PHEAA (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: As there was no option to supplement a previous complaint, this is a follow-up to the previous complaint that I submitted about American Education Services, a student loan servicer in Pennsylvania. I again spoke with XXXX of their customer service representatives today and was again advised that they can not tell me or do not know who owns my loan. It is utterly irresponsible to allow servicers to call to collect on a loan without any information on who owns it. I have been told by this company that they have no options available to me regarding repayment, that I would need to speak with the loan owner, however they continually fail to provide that information. Private loan originators should be held to the same ( or more stringent ) standards as the XXXX. At a minimum, I should be able to find out who owns my loans, as this type of product is perpetually being sold and resold. This is a serious consumer protection issue when you are told that you must speak to the loan owner, yet restricted from obtaining the identity of such entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: TransUnion Credit Bureau illegally gave my credit report and  credit score to a   company I had no credit with, while I had the credit freeze in place. On   XXXX   XXXX   XXXX    , I pulled my credit report as part of annual review. I noticed  XXXX   XXXX  had pulled my credit report with Permissible Purpose stated as : COLLECTIONS. I never had any credit with  XXXX   XXXX , so I called TransUnion on   XXXX   XXXX   XXXX   XXXX   to fix the issue. They kept transferring me to different person and a few times they hung up on me. I finally requested a  manager an d she indicated, " do n't worry, it will go away  in two years a nd no one can see it ''. I told her do you want a copy of the report so you can see the word collection on it. I told her it will interfere with my employment check and she indicated, since this is a soft pulled we ca n't help you. She indicated I should file a stolen credit report with local police and they indicated the report was n't stolen since I had gotten dental work with them. They stated I need to go to court and then take that information to the credit bureau. Transunion can remove the word collection, if I get the police report, while at the same time they told  me it ca n't be removed, well which it. What good is the money I paid Transunion for credit freeze, i f they do n't enforce it and even worse they lied to me and I thought I was protected.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: ON XXXX XXXX EQUIFAX UPDATED MY REPORT WITH THE INCORRECT INFORMATION THAT WAS SENT TO THEM FROM Consumer finance Protection Bureau in reference to my account with XXXX XXXX XXXX. 
The account was opened on XXXX XXXX, 2014 with XXXX XXXX XXXX and the contract was provided. Equifax ignored the contract that was provided to them stating that the contract was opened on XXXX XXXX 2014. They stated to Equifax that the contract was opened on XXXX XXXX 2014 which is incorrect. The account was then closed with XXXX XXXX XXXX in XXXX XXXX, 2014 and refinanced by XXXX XXXX XXXX XXXX they Sent XXXX a check for XXXX which the check that was cashed by XXXX XXXX XXXX A copy of the check was attached. Also XXXX failed to let them know they cashed the for XXXX A check for that was also provided. XXXX has continued to provide incorrect information several times stating that they did not cash a check for this vehicle in that amount which is totally incorrect the checks were cashed at their bank in Texas. Equifax is the only credit bureau that is giving me problems XXXX has updated my report and found out that my information was correct from the documentation received by me with the actual contract and fixed my report in good standing for this account. This is my third time disputing this with Equifax and they are stating that I am not providing the documentation which is incorrect I will attach a copy of the contract and the checks that were cashed again. By Equifax not correcting this information they are impacting my credit report and every credit report is suppose to match.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Making/receiving payments, sending money

Complaint: This is a summary of what happened after I submit my complain with case XXXX a lady ( name and phone # is known to me ) from Bank of America called last Thursday XXXX and she told me that they send my check, the subject of the complain, on XXXX XXXX And I should get it by next week, I went to the Post office and requested a hold to my mail in the post office just to avoid the excuse of not delivered. chickening the mail in the post office turn down to no mail from Bank of America received. I called her and informed her about the situation. Today Saturday XXXX I got a voice mail message, when I called and talked to a supervisor by name XXXX she informed me that check had been void and new check issued in XXXX XXXX and it will be with me within 7 or 10 day after she checked the address. this thing has been going on for 48 day up to day and they keep repeating the same thing for the third time expecting different result. 
Sir, Madam, this matter took long than it should and add a lot of hardship over the ones already there .Please looking for help and I do not see any coming, Your advice is highly appreciated

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 06-03-2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: For the second year in a row my mortage company Shellpoint mortgage has not paid my school taxes which are escrowed and the school is threatening that this is going to their attorney now. These were due XXXX of last year 2014.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: In XX/XX/XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXXXXXX XXXX  CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: Santander consumer is over charging interest on there car loans, sending out payment statements of principal and interest charged and the adjusting interest charge and princial at a later date. This is manipulative and theft of payments made towards a car. I filed a written complaint in XXXX 2015, called the customer service line to discuss the situation and now they are saying the never recieved it after i filed a complaint with texas XXXX and texas attorney general in XXXX area.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit card () with U.S. BANCORP (CA).
Issue: Rewards

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2016 Office of the Comptroller of the Currency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Office XXXX Department XXXX XXXX, XXXX XXXX Office XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : XXXX Bank Executive Office XXXX XXXX XXXX XXXX, XXXX XXXX RE : Illegal XXXX Bank Business Practices To Whom it May Concern : 1 ) In XXXX 2016 XXXX Bank refused to honor the advertised {$120.00} Power Up checking bonus. In fact, on or about XXXX XXXX, 2016 representative XXXX XXXX falsely claimed that the consumer did not meet the requirements of the offer, despite evidence to the contrary. 

2 ) The consumer applied for a XXXX Bank business credit card on XXXX XXXX, 2016. In response, on XXXX XXXX, 2016 XXXX at XXXX Bank Cardmember Investigative Services closed without cause and seized the reward points from the consumer 's XXXX existing XXXX Bank credit cards and XXXX credit card issued by XXXX XXXX Bank in the State XXXX. The consumer 's credit history is excellent, as evidenced by several targeted offers and credit line increases extended by XXXX Bank during this period. Moreover, these closures are illegal under XXXX Law : XXXX. Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so. 

3 ) As of today, XXXX Bank has neither acknowledged nor addressed the consumer 's XXXX XXXX, 2016 formal request to reopen the accounts and restore the associated points. 

XXXX bank has demonstrated a pattern of malicious and unlawful behavior designed to fraudulently deprive the consumer of accumulated cash rewards. 

Thank you for your consideration of this consumer complaint. 


Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit card () with U.S. BANCORP (NJ).
Issue: Other

Complaint: I used to have Fidelity amex card since XX/XX/XXXX which was switched to a Visa card in XX/XX/XXXX. I used to get a confirmation number when I paid my bill online prior to the switch. Now I am not provided with a confirmation number and the bank says that 's the way it is. This is only online payment that does not provide a confirmation number

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contact Experian on several occassions in regards to inquiries on my credit file that I did not authorize. I am told that I have to contact the companies directly to inquire about the inquiries. I have multiple duplicate inquiries some from the same company withing days of one another. Some of the inquires really dont make any sense, for example.. there is an inquiry from   XXXX   XXXX    XXXX  this is a company that leases equipment to businesses. I am not a business owner why would I apply for credit to get business equipment. Another one is from  XXXX   XXXX , tried calling this company and it never puts me through to a person and then the line hangs up, cant even leave a voicemail. I spoke with Experian and told them that tthis   XXXX   XXXX   is showing an inquire for  XXXX  and then again for  XXXX . I have several inquiries on my report that are withing days or not even a month apart. I did not authorize any of the inquiries I called them about and yet no one will even go down the list with me to even look at the inquires so that they can atleast see what my concerns are. I did not apply for any loans or credit cards from any of the companies listed in my inquiries. my ch  XXXX  bankruptcy  discharged  in  XXXX  2017. any inquiries listed before  XXXX  were not authorized by me. Why would I apply for  credit one day and then apply to the same company the next day? something  is not right with the inquiries on my credit file

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 03/20/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: Grocery store located 2 states away notified me that an employee found " my '' debit card in the ATM machine. Card still has activation sticker and is issued to my old legal name. This debit card and associated account was obviously opened fraudulently. Have only the debit card number. Spoke with issuing bank ( Citibank ) and the most they would do was cancel the card. Citibank would not provide any further information, citing that they could not verify my account information or identity, nor would they at least freeze the account pending an investigation. They then directed me to contact XXXX and led me to believe it was within Citibank. Turns out it is FTC. I have already placed a fraud alert through a credit reporting agency and looked at 2 of my credit reports for any suspicious information. Since the credit reporting agencies deal with credit and not with bank accounts, XXXX advised me to contact the Consumer Financial Bureau, from which I was advised that I could file a complaint. I think Citibank ought to at least freeze the account in question pending a thorough investigation. Canceling the debit card while helpful is insufficient action since the card was already abandoned. I also need to know when, where & how the account was opened for reporting & investigative purposes. I can not track down the perpetrator ( s ) and press charges if I can not find that person ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are numerous inquires on my report that I did n't authorize I first reached out to all of the companies listed on all 3 credit bureaus reports after 60 days and no hearing anything I sent letters to the credit bureaus they sent letters back telling me to reach out to the companies which I already did. So I called and all 3 bureaus did the same thing. They told me there is nothing they can do! This has been going on since XXXX 2017. I have never applied for something and not been approved. So all the inquires on my reports are not accurate!

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 10/17/2017 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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I spoke to an agent over the phone with XXXX and sent out letters to the companies to delete inquiries that are not mines on my report. The agent would not help me and I did not get a response from the companies in writing, it been 45 days. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Credit card) with John C. Heath, Attorney at Law, PLLC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I received several voice mails regarding a debt I owed. I ignored them because I do n't have any debt. Anything outstanding was discharged in bankruptcy several years ago. Today I received a call from a man stating I had an outstanding debt with XXXX and they were going to take me to court over it. He then asked me to forward him to our payroll department. When I declined he said he would be faxing them. I asked for his name and the name of his company and to send any debt information to by mail. He declined. He hung up. I called back and spoke with a XXXX XXXX. I again asked for the name of the company. I was told Lexington Law XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX would not send me any information on this debt either. He told me the debt was for XXXX. I told him I did not owe any debt and among other things he called me a " deadbeat debtor ''. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: I have asked  Ditech  several times this week  XXXX  more recently on Friday,  XXXX   XXXX ,   XXXX   ), to e-mail me the statements from  XXXX ,  XXXX ,   XXXX  , along with a recent escrow analysis that was completed in  XXXX ,   XXXX  . I have received nothing via e-mail, though the customer service representatives have told me that they have sent the documents. What prompted the e-mail document request is that I am unable to login to the account via the Ditech online system, to be able to download the documents myself, since I do not receive paper documents via mail, anymore. I requested a reset " password '' link several times, and it does not work. I have been told by the customer service reps. that the login features have not be working since at least  XXXX   XXXX ,   XXXX  . Currently, since I am unable to access the login features of the website, I am unable to use the online payment features of the website, in addition to not being able to download documents. I am told that I am not the only  XXXX  experiencing this problem. And, the customer service reps. are unable to provide any information as to when the account login features will be available. I never had this kind of trouble when my loan was with  XXXX . The fact that the account login portion of the website has been inaccessible this long is inexcusable, especially since Ditech encourages its customers to use web-based services, instead of the  U.S.  mail. I am also annoyed by the fact that Ditech has made no efforts to put a notice on the website, to notify people that the website is having technical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Portfolio Recovery is a junk debt buyer XXXX XXXX ) which means they are a company, party, or agency that buys charged off debt for pennies on the dollar. They have placed collections for 2 accounts on my CR and are skirting the FDCPA by reporting as a factoring company and this is misrepresentation! Factoring companies are companies that buy accounts in good standing and take over as the OC of the account. I have never had a contract with PRA! Case law has established that when a party purchases a delinquent debt, they are considered a debt collector, and thus subject to the FDCPA! 

I request that Portfolio Recovery verify the following information. 
1. Full original Account Number ( XXXX ) 2. Date XXXX s XXXX original Account XXXX XXXX ) were opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any communication made to me before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all CRAs immediately and not sold to any other debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have attempted to have account disputed on XXXX.17 creditor is unable to verify debt in its full truthfulness. This is a violation of my HIPPA rights as this debt collector is not entitled to collect on a debt in the state of Florida.

Company response to consumer: Closed with explanation