milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   corrected my payment history on all accounts with them they took all delinquent payments off. Transunion took the delinquent payments off but keep putting them back on there I contacted them due to the issue and they wo n't fix it I will provide picture proof with this complaint

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (UT).
Issue: Problem with fraud alerts or security freezes

Complaint: Consumer credit reporting company XXXX has unduly rigid requirements for requesting either a credit report or credit freeze. They insist on being provided via mail, copies of identification documents such as driver 's license, passport picture page or social security card before taking action on the consumers request. The big three reporting agencies all use alternative verification methods that do not require release of additional information by the consumer.
See : 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 04/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Dear CFPB, this complaint is in response to Experian 's investigation and verification of an public record that appears only on XXXX XXXX Experian credit file that is being erroneously reported as verified by the furnisher, when the original creditor have removed their tradeline and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. XXXX XXXX has yet to respond. 
Debt collector : XXXX XXXXoriginal creditor : XXXX XXXX, XXXXPartial acct # XXXX ... 
( This account is being reported by XXXX as a charge off and debt was sold to another lender. XXXX XXXX is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from XXXX who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have sent the debt dispute letter to XXXX XXXX certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for XXXX on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for XXXX, contact XXXX speak to a man named XXXX XXXX @ XXXX XXXX XXXX ext XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Dear CFPB - Unfortunately, I have XXXX student loans that went into default over the past several years due to financial difficulties. I have been accepted to a graduate program for the fall semester, and can not get new loans until my defaulted loans are taken out of default. In order to get loans out of default and on a payment plan, I attempted to consolidate all XXXX of my loans into a new consolidation loan with XXXX XXXX XXXX XXXX. XXXX of the loans were successfully consolidated. However, the remaining XXXX loans that are serviced by Nelnet are stuck in " limbo ''. My NSLDS account shows that these XXXX loans are held by Nelnet but went into default in XXXX 2014, almost 2 years ago. Nelnet customer service informs me that the loans are in the process of being transferred to a collection agency hired by the DOE and that this process can take an indefinite amount of time. When I contacted DOE, they informed me that the loans are still held by Nelnet and have no other information. I would like to consolidate these XXXX remaining loans with my new consolidation loan with XXXX XXXX, but for the last several months, neither Nelnet nor the Department of Education can tell me where these loans are and when they will be transferred to a collection agency. What am I supposed to do at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Ive been using discover for twenty years or so never had so much XXXX in my life.the merchant charged me twice for same thing. discover disagrees but i allowed one charge of XXXX got that and dont like it.this was the full price for that item.I told the company i dont like it and i told discover the same.I cancelled the card because this company has figured a way to recieve monthly income regardless of what the consumer says or feels.Because of the stupidity how discover card is now being run.between the company and credit cards this is legal fraud.I didnt get no more items discover card claims i did because they put it in my mailbox.It just isnt true.I believe the company plans to charge my credit card again next month XXXX so i stopped it.Hopefully you will also.I will payoff discover what i owe but not what i dont owe.so it will be payed less at least one XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (I do not know) with American Coradius International LLC (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On X/XX/17 I received an alert from a credit monitoring service that I am subscribed to that the following company had added a collection account to my XXXX report. I did not receive a dunning letter therefore I did not have a chance to dispute or validate the debt. I would like this account removed from all 3 of your credit reports immediately, as I am sure I do not owe the company, and was not given a fair opportunity to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Application, originator, mortgage broker

Complaint: Hello! I am trying to get a release of liability on my Shared Appreciation Modification with Ocwen. Need to get my ex husband of XXXX years off the loan. I have paid the loan on time for 4 years just me. I was denied - the reason is WHY is why I am contacting you. I was denied due to a foreclosure. I have paper work from the courts of where Loan company put a foreclosure on my record in XXXX and removing it in XXXX when I signed the SAM. They said I had to wait 7 years before the release of liability. How can I have a foreclosure on the house I am living in. Also now I have researched and saw a lot of bad things about the SAM. I am trying to refinance and now I am seeing lots of issues with the agreement I signed. YIKES. Presently I am asking help on the foreclosure business .... So was there a foreclosure and can they really deny me for that reason? I show it was dismissed without prejudges.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Derogatory Information WELLS FARGO HOME MOR XXXX Mortgage XXXX I XXXX {$0.00} {$0.00} {$0.00} XXXX INCLUDED IN BANKRUPTCY {$0.00} Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!! 
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time XXXX XXXX WELLS FARGO XXXX Mortgage Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!! 
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time XXXX I XXXX {$0.00} {$0.00} {$0.00} XXXX INCLUDED IN BANKRUPTCY {$0.00} Comments - Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!! 
I sent you and have all copies of Mortgages stating XXXX XXXX in XXXX!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on XXXX Equifax XXXX Same Goes for the Tax Lien that you have a copy for again and again I can send a copy of that too,

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 03/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing/Cancelling account

Complaint: Bank of America closed my account without proper notice. The card was not expired. The reason that was give to me in a letter dated XXXX XXXX, stated that the terms applicable to my account are no longer available. When I spoke to a representative I was told it was because I had not used the card in a while. XXXX different stories!!! I believe it was age discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TCF NATIONAL BANK (IL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I am Contacting youll in need of desperate help.I recently just tried to get me a credit card through XXXX XXXX XXXX but I got denied because there are some credit cards open in my name which I have no knowledge of I am currently a victim of fraud since about XXXX or maybe even XXXX it started off when my mom got evicted and all of our stuff was locked In the house every since than my life has been a living XXXX I am a young mother trying to build credit so I can move further in life to better me and my child but there are so many things holding me back due to this fraudulent activity..The banks the company has notified me about are XXXX XXXX and TCF I am so lost at this moment because I never even had a account XXXX would have been my first step of bettering my credit! Im not sure what year these accounts were I just need answers and see how to keep moving forward

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called adastra recovery services because I recieved a scam call claiming to own the loan. Ad Astra reisured me that it was a scam. The supervisor named XXXX then asked what I would do about the debt. I explained that I could not pay it at the moment. He then started asking if I could borrow the money. I explained no one will lend me the amount. He then proceed to call me lazy and not willing to work with them, he even went as far to say he is debt free and was not a dead beat like me. I then was reduced to tears and asked him kindly not to call me he said he would continue. I then stated it was a cell. He then agreed to discontinue communication. As I hung up he called me a joke of a man. When I complained to ad Astra and there quality control Specialists they then sent the debt back to XXXX XXXX " the original debt ''. XXXX XXXX did take another complaint but I have asked numerous times for an apology or just someone to aknowledge my complaint. I have left numerous messages with XXXX to call me back and she has failed To do so. The debt is no longer an issue because XXXX XXXX said it is taken care of. So there is no more debt all I 'm seeking is an apology or aknowledgement of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: Bank of America closed this account, and arbitrarily decided to keep {$4500.00} of mine. They claim the money orders deposited were 'not valid for deposit '. Bank of America WAS paid by XXXX for the money orders. The tracers from XXXX providing proof of payment are attached. Due to Bank of America not properly investigating my initial complaint ( XXXX ), I have now incurred an additional {$130.00} expense XXXX {$15.00} per money order x XXXX ) for XXXX to provide tracer data.

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 07-06-2016 about Debt collection (I do not know) with Schreiber Cohen, LLC (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was advised at the court proceeding the amount of my debt was {$5000.00}, and that the amount would never increase as no interests will be charged. I have been making my monthly payments ever since and I was just advised on a phone call that my account is accruing 12 % interests and the amount on the balance increases {$81.00} dollars a month versus the agreed {$25.00} dollar a month payment. Therefore, this debt will never be paid down. As a consumer I feel that I have been lied to in attempt to collect this debt and it is unfair. In addition, why was I not told this in the beginning I would have seeked an alternate method of payment.

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 02-06-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Credit decision / Underwriting

Complaint: Bank of America file false insurance claim and cash insurance check with my name on it without my approval or signature. Bank of America claimed a property was vandalism on XX/XX/XXXX. A tenant was in the property and this is NOT true. They claim a window, door, deadbolt lock, ac, dishwasher, and light fixture. It 's never been a dishwasher in the property there is no space or connection for a dishwasher. They made the claim in XXXX because they new I had insurance in XX/XX/XXXX and this is the last date they could make a claim. They have no report to verify this claim. They are doing this on many property. I 'm aware that they did it to someone else as well. I surrender the property in a bankruptcy. They did n't take possession of the property until XX/XX/XXXX. Bank America Foreclosed on the property and then filed a report for the last date of my policy. Bank America is making false claim on property because they know that the average home owner will never know. Bank of America did n't have possession of the property until XX/XX/XXXX. They gave the tenant cash for keys in XXXX. This is a false claim.

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 09/13/2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Other fee

Complaint: I purchased appliances with my Home Depot credit card. The purchase was automatically placed on a 0 % interest promotion for 24 months. During that time, I made payments in excess of the minimum payment due. According to the Credit Card Act of 2009, section 104 subsection 164, " Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' I believed that the amount over the minimum due would be applied to the promotional balance. Since it had not been applied. I was charged {$1500.00} interest fees on a purchase of {$2200.00}. The interest charged is approximately XXXX % of the purchase amount. According to Home Depot, there is no way to opt-out of a 0 % interest promotion when you are making a purchase over {$290.00} during the promotional period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Concord Servicing Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I currently have a loan with XXXX and have been making payments regularly. I am now being charged from Blackwell Recovery which they indicate I owe {$1200.00} with account # ( XXXX ). Payments are made satisfactorily. My payments are for {$260.00} a month and are auto-deducted from my personal checking account. Please remove this derogatory from XXXX credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: My son went online to order a free credit report. the website offered a FICO score for {$1.00}, so I offered to pay for the FICO score, and input my credit card information. Unbeknownst to me Experian now had my credit card information and proceeded to enroll my son in a credit monitoring monthly service for $ XXXX/month. I did not select a box, or approve of this charge to my credit card. Experian is using FCRA and FACT ACT for their financial benefit. If you go online and search if others are having this same issue, under the Consumer Affairs website, you will find a lot of complaints about the same scam, but people do n't follow-up on it - they just pay for the fraudulent charge, and have it cancelled. I would like the CFPB to investigate these tactics, and ensure that the free credit report that the FACT ACT guarantees is not exploiting consumers. 
To manage this situation, for the XX/XX/XXXX charge, I disputed the charge with my credit company, which took several weeks and extended efforts on my part. The credit card company closed down my credit card, and issued a new account number because Experian now had my credit information. Before they could close out the account, Experian charged me for a XX/XX/XXXX {$21.00}, which I am now disputing with Experian once I get my old credit card account number from XXXX. I want Experian to provide me restitution for the time and efforts I have had to put into this situation - restituting consumers for time and effort my cause them to manage their business with integrity.

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 01-12-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Settlement process and costs

Complaint: AT SOME POINT IN TIME JP MORGAN CHASE BANK BECAME SUCCESSOR TO INTEREST ON MY MORTGAGE AND I DEMAND ANSWERS AS TO WHAT SPECIFIC DATE THIS TRANSPIRED AND FROM WHOM. I ALSO WANT TO KNOW WHAT LOAN NUMBER THEY HAD FOR ME. I DEMAND THESE ANSWERS FROM THEIR LEGAL DOCUMENTATION IN WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (Auto) with Byrider Franchising, LLC (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from CNAC in XXXX, WI and they sold a false claim to them in the amount owed by me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (PA).
Issue: Struggling to pay mortgage

Complaint: I,  XXXX   XXXX  believes that a major national bank has colluded several federal guidelines and consumer laws that were initiated to protect my rights as a consumer in the American economy. I attach items showing my fight against  XXXX   XXXX  and  XXXX   XXXX   XXXX  as Trustee. My argument has always been that  XXXX   XXXX   XXXX  had no financial right to foreclose, that my rights to an initial modification was voided by a trick imposed by a former loan servicer to obtain a default judgment of foreclosure. Now, after tens of thousands of dollars spent to avoid a foreclosure, I have a new law firm representing my interest called the  XXXX   XXXX   XXXX . Previously, I submitted a complete outline to the  Federal Housing Finance Agency,  Inspector Generals Office ( FHFA-OIG ). That federal agency is in position to give relief on my house indebtedness by legal precedent. The office simply shelved by request to intercede on the foreclosure/principal reduction matter. Now, as I have submitted multiple financial items for a modification that should have been granted years ago, my foreclosure is re-scheduled again. The foreclosure can not be scheduled while the mortgage is being transferred to a new servicer. My new servicer is known as Fay Servicing , LLC,   XXXX   XXXX    XXXX   XXXX ,  XXXX , IL  XXXX . This agency must cease and desist all further foreclosure processes immediately as such a servicing agency has not had the file in hand long enough to fulfill my protected rights under the expanded Fair Debt Collection Practices Act of  XXXX   XXXX ,  XXXX . Under federal guidelines, all foreclosure procedures must stop, and I request a full investigation into  why the Federal Housing Finance Agency, Insp ectors Generals Office ( FHFA-OIG ) never took my original request of  XXXX . This inconsistent way a massive federal bank such as  XXXX   XXXX   XXXX  can hire the finest of law firms, paying tens of thousands of dollars that will be covered b y the Federal Deposit Insurance Corporation,  all due to the  XXXX  national real estate meltdown, is a sham. Fay Servicing , LLC must contact the  ( FHFA-OIG   ) to reopen my case for initiation of a principal buy-down. My home is worth {$120000.00} by appraisal , and   XXXX    XXXX   XXXX  desires to foreclose on a {$220000.00} debt that shows a 90 % debt over value. I must be given proof that the  XXXX   XXXX ,  XXXX  foreclosure has been cancelled, and that a serious consideration is given on principal reduction to restructure the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was never once told about the income driven repayment option. I have XXXX kids and sometimes things are right and we needed help. These options need to be disclosed to every customer when they need the help

Company response to consumer: Closed with explanation