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. (MS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has indicated it believes my information was compromised in the XXXX XXXX 2017 data breach. Of course, Equifax was not intentionally trying to give my information away -- however, the circumstances surrounding how they handled the situation is frankly unethical and likely illegal. I work for the XXXX XXXX in XXXX XXXX, and when I read Equifax was saving sensitive user information in plain text I nearly burst a blood vessel. Handling sensitive user information in such a way is, at best, grossly negligent. I would probably get court martialed if I did something like that at my job. 
Secondly, Equifax executives knew about the breach for months, and not only did they not immediately inform the public, they cashed out their stock in the company. Last I checked, trading on insider information is illegal, and not informing compromised individuals as soon as possible is highly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I closed this account by turning in the mobile phone on time and they added another payment to the account when the account was closed. I would not pay it and they sent it to collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Trouble during payment process

Complaint: Our mortgage was sold by Bayview to   XXXX   XXXX  . Bayview has sloppy accounting and does not apply our payments. Since the loan was sold we are having increasing problems with payments not being applied and money over the due amount suspended and held instead of being applied to our principle.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I originally mailed my dispute letter to Trans Union on XXXX XXXX, 2015 and followed up with another letter on XXXX XXXX, 2015 and till this date i have not received a response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Every time I pay it seems like the total amount due goes way up. I have asked multiple times to lower the monthly payment. They tell me and then force me to do a forbearance and then when it 's over their like it will then be lowered. When it is time to pay and the forbearance is over, the monthly payment due is doubled. I have XXXX children and a XXXX that I take care of and it seems like I am struggling as it is let alone paying a ridiculously high payment that just keeps going up.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient has been the servicer of my student loans. ( Just today, I completed an agreement with the XXXX XXXX XXXX XXXX to consolidate my loans and change to a different lender, so I am not sure where my status will be when you get this. ) On the Navient website, when I look at my account, loans are listed that have been paid off by me, but are NOT loans that I took out. They are listed as XXXX XXXX of XXXX XXXX. I have spoken to Navient about them on multiple occasions, with no satisfactory resolution. The responses I have gotten include 1 ) getting disconnected on the phone when they tell me they are getting a supervisor ( This has happened so many times. I have made them promise they would call me back if we get disconnected. They never ever do. ) 2 ) Sending me copies of a promisory note that has nothing to do with XXXX 3 ) Telling me they will look into the matter and let me know in 7-14 days. They actually CALLED ME today ( first time! ) in response to the comment I made on their " survey at the end of the call '' regarding contacting the Bureau of Consumer Protection. I explained my probelm. It sounded like they were taking good notes. This time they said they saw the problem and would send me a response in the mail in 7-14 days ( response # XXXX above ). She said it could be a computer input error. I want to know how I can get my student loan payments audited to find out if my payments have been applied appropriately - maybe there have been other " computer input errors ''. I took these loans out about 30 years ago and I think I STILL owe more than I originally borrowed! How do I know my payments have been correctly applied? How do I know the interest has been correctly calculated and applied? How do I know if these are really all my loans? I have a low level of confidence in Navient 's integrity and quality control. I selected " Federal Student Loans '' on this complaint process, because the loans I have taken out have been federal, although I do n't know what the XXXX. of XXXX XXXX is - probably private, so I hope I am routing this to the correct department. I am attaching screen shots of what I see in my account on Navient 's website, as well as my XXXX XXXX XXXX from XXXX. How do I get my student loan history audited??

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX On XX/XX/XXXX, I submitted a formal request thru email to my mortgage company ( Freedom Mortgage ) for removal of mip insurance for my fha loan. I had already spoken to someone in thier Customer Care department and I was told that I met all requirements for mip removal for my loan, except that the secondary loan I had already paid off did n't apply towards getting me under the 78 % loan-to-value ( Ltv ) ratio required, so I had earlier given a payment towards my principal in the amount of {$6000.00} so that I would be under the required 78 % Ltv.
On XX/XX/XXXX I received a email from Freedom Mortgage stating my request for mip insurance had been received. I few days later I received a letter from Freedom Mortgage saying they were reviewing my account and to allow up to 30 business days for a response. After the 30 business days had past I began to contact Freedom Mortgage 's Customer Care Department to tell them I had not received anything in the mail and if they could please update me if the mip removal had been approved. I was told that my request had been approved and I should receive something in the mail soon. I waited about a week and still had not received anything in the mail and called again. Again I was told I met all requirements and this time I was told they were waiting for a Fha approval letter. On Wednesday XX/XX/XXXX I called Freedom Mortgage 's Customer Care Department once again so I get an update on my request. I spoke to a man named XXXX who I told that after calling multiple times I still was n't clear if my request for mip insurance removal had been approved or not. He told me that I did meet all requirements and that FHA had until XX/XX/XXXX to contact Freedom Mortgage and that I should call back on XX/XX/XXXX. Today is XX/XX/XXXX and I have still not received a written response from Freedom Mortgage or a phone call. I just spoke to XXXX in Freedom Mortgage 's Customer Care Department who told me my request was just submitted to the FHA on XX/XX/XXXX! and that a request like these could take up to 3 to 6 months!

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 08/14/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Original account was XXXX for cable service. Service was discontinued and all equipment returned. My account was turned over to XXXX, XXXX and SW Credit in the amount of XXXX related to equipment fees, even though all equipment was returned to XXXX. Both companies have been unresponsive and reporting collections on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a new checking account with the terms that if I had a direct deposit of XXXX dollars within 60 days a XXXX dollar bonus would be deposited into my account, and that bonus has not been received

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (OH).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: My application # XXXX from XX/XX/2018 for XXXX Credit card administered by the Barclay Bank Delaware was denied with no clear explanation. The general reason was stated as such : " The previous CC account that you held with Barklays Bank experienced charge off, bankruptcy, severe delinquency, or other negative performance ''. 

I do not recall having any of the above issue with previously owned Barclay CXXXX, which I had several years ago. I believe this denial based on age discrimination, I am XXXX XXXX XXXX and just retired last XX/XX/XXXXr.

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 06-08-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Struggling to pay mortgage

Complaint: My mortgage is currently serviced by  XXXX   XXXX . Prior to  XXXX , it was serviced by Bank of America, who is the current investor on the loan. Bank of America approved a loan modification prior to the servicing transfer to  XXXX   XXXX .  XXXX  never completed the loan modification and pushed the loan into a further delinquent status. Bank of America is in violation of th e National Mortgage Settlement of    XXXX  for failing to complete the modification and then transferring the servicing rights over to  XXXX . Bank of America has also breached contractual agreements by not solidifying loan modification terms.  XXXX   XXXX  has set a foreclosure sale date for  XXXX . I feel cheated and deceived by both Bank of America and  XXXX   XXXX , so I am seeking your assistance on this matter.

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 05/24/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contac ted Southwest Credit S ystems on numerous occasions via certified letter and asked that they provide me with a contract of the debt they claim I owe, which bears my signature. Each time they respond with a bill and nothing more. I have repeatedly asked for this information to be provided to me and if they could not provide the information requested, that they remove the debt from all  XXXX  credit bureaus. They have yet to comply with my request to provide me with a contract or remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: CHEXSYSTEMS COMMITS FRAUD BECAUSE THE BANK IS A TOTAL FRAUD THEY THEY CO-CONTRACT WITH ; ; ; ; ; ;,,, SEE EVIDENCE HERE,,, XXXX WANTS TO XXXX ME AND THEY USE XXXX TO EXTORT THE FUNDS,, XXXX AND XXXX XXXX COMMITS FRAUD, he claims i owe something when the original instrument is quite valuable i see they make up excuses to keep this alleged ''bad check '' that they made profits from and keep secrets, if the check was bad so give it back, but rather the contrary i did them a favor and made them a securities instrument they can sell because thats what they do to everybody. Unless you can provide a verified complaint which lawfully consists of a sworn statement under penalty of perjury notarized with your wet ink signature also provide me with proof of debt which would be a bill other rather than a statement all this XXXX you're talking about is nothing but presumptions and word semantics and I'm not falling for it because you're guilty and I'm going to prove it furthermore you have not cited the particular federal law you speak about which federal law? Quote me the citation that you highlighted in your little book that you sent to me show me the actual federal law that you speak of. A bill would show something that's old I have never received a bill. The check that you have sold as a Securities instrument with my wet ink signature I have located it and when I fly over on the airplane to retrieve that instrument all XXXX XXXX is going to break loose I'm going to expose the biggest fraud of the banksters you don't XXXX sell my XXXX signature and make profit off of it and then tell me that I owe you something let me tell you something 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 04/18/2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian put an item on back on my credit after taking it off three years ago. Back in 2014 I disputed an Verizon item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it back???

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX XXXX is reporting an unfair late payment recently. I have attached a letter of explanation as well as supporting documents with this complaint. I have disputed the late payment reporting with XXXX XXXX directly as well as all three major credit bureaus and I do not believe the treatment has been correct or fair. 

In my attached letter I explain exactly WHY the I should NOT have incurred a late payment report from XXXX XXXX. 

To summarize : I was charged a late payment after incurring a annual fee for a card I had not been using. I had not received any statements in the mail notifying me of a new balance and emails were sent to my spam folder. 

When I called to resolve the account I was told the fees would be reversed. 

Since the fees were in fact " never incurred '' or reversed I should not have incurred any late payment reports since no payment was due. Essentially I 'm being reported for being late paying fees that i had never incurred or were reversed. There was NO balance from purchases I had made on this account Please see my letter of explanation attached with this submission. 

Please investigate.

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 08/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My report seems to have several new hard inquiries from XXXX XXXX and XXXX that I never authorized ( and most are from companies I 've never heard of ). Additionally I 've been associated with XXXX new employers as of XXXX XXXX and that is incorrect as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Customer Service Department - I 'm disputing delinquent information that XXXX XXXX has reported on my Credit Report, please note this account was paid-off in full ... Therefore I am filing a dispute and requesting to have this collection account deleted from my credit report. 

- XXXX Phone Number : XXXX - Delinquent Amount : {$100.00} - Refer # XXXX / XXXX If you have any questions or need any additional information I can be reached at the number below. 

Thank you. 
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 02-02-2018 about Debt collection (Medical debt) with Automated Collection Services, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a formal complaint against XXXX XXXX XXXX located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: I was the victim of scam. I unknowingly deposited a fraudulent check into my account and withdrew the amount. Once I realized it was a scam I immediately noticed USAA about the situation and filed a police report. USAA then banned me from their services except to pay back the sum of the fraudulent check. I can no longer access my accounts online or otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score. XXXX XXXX and XXXX XXXX abused the use of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: XXXX XXXX, XXXX XXXX XXXX U.S. Bank Prepaid Operations Card Services XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Dear XXXX XXXX : I am writing you in regard to yet another complaint I have filed with the Consumer Financial Protection Bureau ( CFPB ), Complaint ID XXXX. I filed this complaint because yet again the 1-2-3 Rewards Card decided to make up another restriction as reason to not release a transaction from XXXX XXXX, XXXX. It was another hold on my account, this time for $ XXXXand it was immediately released the morning of XXXX XXXX, XXXX upon checkout. In your response to my complaint ID XXXX from XXXX XXXX, XXXX you mention that a way to expedite the release I have the option of sending in a fax with the answers to the questions required in said fax. Most importantly, however, you fail to mention that there is a restriction to this kind of procedurein that only one is allowed every 30 days. This restriction is not mentioned anywhere in your cardholder agreement. The supervisor I spoke with yesterday agreed that this was the case and apologized for this, but failed to release my funds. I believe that my funds should be immediately released back to my account since this restriction is not listed anywhere in my cardholder agreement or was mentioned by you in your letter to me and any customer service representative I have spoken with when I used this procedure for my first transaction. What you are doing is illegal. And I will be taking legal action against this. Thank you, XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY 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 non-monetary relief
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a hard inquiry on my trans union credit report from XXXX XXXX onXX/XX/XXXX, I never authorized this. There is a hard inquiry from XXXX onXX/XX/XXXX and on XX/XX/XXXX. These are instances of Fraud as I never authorized any of these inquiries.

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