milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I was informed of the breech that occurred with the company Equifax. Today on XXXX XXXX, 2017 I entered my information and it stated that I may have been affected in the breech. I tried to do a freeze of my credit with Equifax and it stated I needed to pay {$10.00}. Pretty sure that I should not be liable to pay for anything related to their breech. I wanted to report them for this. If you can help in any way I would appreciate it. Not sure what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I paid in full my loan they even sent me a letter in the mail saying congrats you paid your student loan in full.This was in XX/XX/XXXX with the Department of Education /XXXX then all of the sudden I get changed to Navient an account that does not make sense because I had applied for forbearnace and they gave me until XX/XX/XXXX to pay .I did not have a good job back then so I had to ask for something like that.Once I found the job in XX/XX/XXXX I paid it everymonth and I paid it all in full in XX/XX/XXXX they sent me a letter telling me that since I was in good standing that I could use them again.I havent but all of the sudden the last payment that I made XXXX dollars keeps showing up in my credit report I provided each information to each credit agencies but the one that keeps hitting me with the account is XXXX this has made my like impossible and I am in good standing I paid up I even serviced my country through XXXX they gave me a XXXX with a little more than XXXX and I paid with that the amount remaining.I sent that to XXXX because it appears XXXX times stating there was late payments in XXXX different account closed and those are XXXX , XXXX department of education , Navient Department of education.They are the same account only that in XXXX its there in different accounts as closed in XXXX and Navient is not it states that I still owe the XXXX dollars in XX/XX/XXXX note I paid it in full in XX/XX/XXXX.I have all this information I want to file a law suit this has me to not get good jobs having to find work in areas that I should not be because I have an education.I am sick of this ruiing my job opportunities and purchasing a home or buying a car that I so desperately need for my XXXX son.I cant even get a cell phone.This not fair I paid up and I do want to sue this company as I am noticing its just not me not so many people be saying the same lie. By the way the college I went to XXXX XXXX XXXX closed down for fraudulent paractices as well.I sometimes wonder if there is any justice or wether or not their is an honest company left in this world.My husband died he was a veteran and they never gave me that loan as an option for me either started wrong with wrong school ended wrong with wrong Education Loan repayment company that want to stiff people off their hard earned money.I owe nothing stop charging me and get that off my credit please Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I requested my credit report after using XXXX XXXX a few times and was alerted of having a thin file and all three credit bureaus were not reporting the same information. I once again saw added information that was more identifiable than my last dispute. Phone numbers, addresse that are once again do not identify me. I have more added personal information than accounts, good or bad. How is personal information added, removed and once again appear. My recent dispute showed a family members three phone numbers, address and newly added mispelled names along with addresses I have never lived in. I am alsio wanting to know how I am denied any loan, or equity credit on my propeety that is paid with no mortgage which I do not believe I have a decent credible history, same employer for 28 years and now retired. Today I discivered a possible loan on my property that if it exists, was most likely borrowed in hopes I would not have a clue so reported it to CA real estate for possible fraud since it seemed to be a transfer type cash loan which could not have initially be listed on an MLS listing without me in agreement, moving along I have applied for a small loan with XXXX XXXX and my credibility is below standard yet my property is a great asset that should be credible. 
In closing I believe the information being added is by someone I know. Should I make that person known to you or should I just check my reports more often? Also personal information in this dispute I am speaking of is XXXX does n't remove all I askex them to as if it has to be there like it or not which personal identifiable information should be the utmost part of your 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 explanation
Consumer complaint received 12/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX reports my mortgage was in collection and charged off which is not correct. XXXX has not investigated this matter properly. XXXX can not show me or XXXX any documentation that this account was in collection/charged off because it never was in collection/charged of. 

Last week I was denied for a XXXX XXXX loan because Transunion shows a XXXX mortgage charge off. 

I need this corrected asap. I 'm providing a copy of the loan satisfaction letter from XXXX. I contacted them after being denied for credit and they have initiated a reinvestigation. 

I provided Transunion with loan details showing I was not in collection and there was no negativity on my account. Transunion could also review past credit files to see XXXX never reported me negative until XX/XX/2015 which is one year after I paid off the loan. This is unethical.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (I do not know) with U.S. BANCORP (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Claiming I owe US Bank XXXX. Have never ever dealt with us bank. Rude, threatening, obnoxious

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (I do not know) with GMA Investments, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated recorded calls to my home. I returned call. Was told they were looking for XXXX. I very politely told them they had the wrong phone number - no XXXX name XXXX lives here. Furthermore I do not know a XXXX. Still calling my home repeatedly. I attempted to call & tell them again that they have the wrong number but was unable as I now get a recording that they will not accept calls from my number. This is harassment! They keep calling my home with no purpose. Leaving messages to call them immediately while blocking calls from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: i took a loan out from XXXX. i became unemployed we agreed to make XXXX installments bi-weekly. they than came back and offered me a XXXX installment with deferred until XXXX/XXXX/2015. i agreed but could not open the file to e-sign. i sent an email agreeing to the terms. and they took my XXXX but loan.me said because i did not sign they were going to take another XXXX out of my checking account. i ran down to the bank closed my accounts and reopened. this was a verbal agreement which was followed up by an email agreement. this agreement became binding at the point they took my 300.00 dollars. 

they constantly call me even after i have asked them not to. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SOMEONE USE MY IDENTITY AND OPEN UP SEVERAL ACCOUNTS UNDER MY NAME IN XXXX XXXX NEVADA FROM XX/XX/XXXX- TO XX/XX/XXXX. I HAVE LIVED IN ALABAMA ALL MY LIFE. THESE ACCOUNT ARE EFFECTING MY CREDIT SCORE. I HAVE SINCE WENT TO THE STATE OF ALABAMA DMV AND ASKED FOR 17 YEARS WORTH OF DRIVERS LICENSE. I HAVE DISPUTED AND XXXX STILL REFUSE TO REMOVE FROM MY CREDIT FILE. I AM ASKING FOR A FULL AND ACCURATE INVESTIGATION IN THIS MATTER. THESE ARE THE FOLLOWING ACCOUNTS OPEN IN XXXX XXXX NEVADA UNDER MY NAME!. XXXX XXXX 2. XXXX XXXX 3. CHAPTER XXXX BANKRUPTCY XXXX THESE ARE NOT MY ACCOUNT U CAN PROVIDE A LEASE FOR THE PAST 10 YEARS FROM MY LANDLORD AND OTHER DOCUMENTS THIS IS NOT ME!!!

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 01-02-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage loan with DiTech that was originally with Green Tree. We were in Bankruptcy chapter XXXX for 5 years but made payments to Green Tree and DiTech on our Home Loan. During the five years we never defaulted or closed this loan but Ditech is reporting that the loan is closed on our credit reports. Our bankruptcy was discharged and completed in XXXX XXXX and Ditech will not take us off bankruptcy and continues to report us wrong on our credit reports. I have contacted Ditech at least 13 times over the last years requesting that they take us out of bankruptcy status and report our loan correctly. I have sent them online emails and over the phone and every time they continue to tell me it is under review and will take XXXX or so days to audit.. This has happened for the entire year of XXXX and I can not get them to take the Bankruptcy off our account and report us fairly. Every time I call I get sent directly to their bankruptcy department. Their reporting us to wrong on our credit reports has caused us trouble in getting new loans for home improvement job to replace our XXXX through the XXXX program because DiTech is reporting we had a default and loan closed when we never had an interruption in our loan. After a year of trying to get them to report my loan correctly I have no other means but to try and file this complaint. I am attaching the three times I tried using there messaging system to contact them.. The other ten times was over the phone throughout the year. I have read many complaints about this company and feel they are trying to hold my loan hostage in reporting correctly to credit reports which is having a negative effect on my score.

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 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Capit al one, a credit card company closed my credit card account due to " principal owner have past, present or pending legal action ''. I am   XXXX   a three year    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   for between  XXXX . Can a credit card company close my account due to that reason?. On what legal ground can they close my account, I believe I have paid my dues to the society and I am trying to get a fresh start and rebuild of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: i filed a complaint # XXXX against capital one on XXXX/XXXX/17 re : paying XXXX, a scam artist who falsely claimed they would sell my timeshare after paying them {$2800.00} in title fees up front. They did n't sell my timeshare, as a matter of fact, once they got my credit card # they never called me again. Within capital ones dispute time frame, i sent them evidence that this outfit was a scam. In their response to my complaint they did n't acknowlege any of the facts i had backing my case, including a cease and desist order from XXXX XXXX, the attorney general of North Dakota, against premier timeshare solutions. An expose on XXXX tv identifying XXXX as crooks. An F rating on XXXX from the Better Business Burea. The fact that XXXX XXXX the owner of XXXX Is in jail now for this very crime. On top of that, the lawyer they sent after me, XXXX and XXXX backed off as soon as i sent them all this evidence. Capital one 's response to my complaint is, '' our research confirmed our actions taken on your disputed charge was correct ''. Where is your backup, your evidence showing you are correct? I HAVE EVIDENCE SHOWING I AM CORRECT, I JUST DO N'T SAY IT, ASK YOUR LAWYERS. Talk is cheap, show me your evidence. At the end of capital one 's response by XXXX XXXX, there is a phone # with her ext. # to call about my concerns. As usual when calling capital one, i was passed around to different people or on hold for 45 minutes and finished at voicemail and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Credit Bureaus are still reporting inaccurate information. Company advised that they will be deleting from my report, but they are still reporting with negative information.

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 10-06-2017 about Checking or savings account (Checking account) with KEYCORP (NY).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I received a letter last week about a checking account being charged for inactivity for months. I had no idea I even had this account with KeyBank, as I closed out all of my accounts there months ago. I went into the bank to investigate, as I have had many online account opened not by me at this bank previously. The branch member told me he would investigate and get back to me. A couple days later he contacted me saying he could n't find any info about it. I informed him that I received a bank statement for this account. He looked it up and informed me it was opened online out of a branch in XXXX XXXX and told me the name of the person. I do not know this person. He told me he would further investigate. I did not hear back from him so I tried to contact the Fraud Department, which Customer Service after 25 minutes would not transfer me to. The branch member contacted me and stated I needed to come in and file paperwork with him directly. He would try to get the maintenance fees and inactivity fees refunded and then close the account and give me the balance, but only once it is confirmed by the fraud department. I have taken multiple vacation days to deal with these issues. I now may be out {$580.00}, and still nothing is settled. I had asked them months ago to put in place no online accounts be allowed to ever be opened, but it seems that did not stick. They keep insisting I must have identity theft, but as I had to purchase XXXX because of this, no other activity has ever been found.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015, USAA illegally closed all three of my credit card account with balance on them. They have never been late and always paid on time. They say it was my unacceptable behavior or activity with none of this occurred. Now my credit score is low because of this problem. I never had problem with the bank.Credit score damageCard cancellations can impact your credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I old the card like XXXX and they add interest of XXXX, of total of % XXXX i call to see if they can reduce the amount to what really i old, and XXXX of the costumer services star talk to me agresive and say he dont care, he dont old money iam who old the money. this happe today at XXXX pm- XXXX/XXXX/XXXX. 

I dont pay any money becaus ethe action of the worker, and i call back to talk to a XXXX  but he refuse to collect the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (LA).
Issue: Struggling to pay mortgage

Complaint: I am XXXX y.o. and SS is my only income. I have struggled for 7 years to make my home payment. I received a notice that ditech had increased my payment, due to an escrow arrearage?? to nearly {$100.00} more a month ... .no way can I afford that since my mortgage payment is already $ 48 % of my income. I only owed about {$35000.00} since paying since XXXX. 

I contacted ditech for a loan modification and they approved it inXX/XX/XXXX with a reduced payment to {$550.00} with a new interest rate of 3.875 %. ( originally a VA loan at 4.5 % ). I signed and returned all their paperwork inXX/XX/XXXX ( ditech website showed {$520.00} due and I paid this in XXXX ). I paid my mortgage at their approved amount in XXXX of {$550.00} and already scheduled my XXXX payment ( electronically ) through my bank. 

I received an email from them today that basically read, 'we changed our mind, you house payment remains the same '.???? 

Is this legal after they already approved the modification? 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MN).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My husband and I both had significant job loss during the recession. We kept paying all of our bills. I had to start a business to make ends meet and when I had billing issues was unable to make the full payment on one of our cards ( I paid XXXX rather than XXXX ) and did keep up with the other which was a slightly lesser amount XXXX as opposed to XXXX. I spoke with them to work with us as it was temporary and we were doing everything to stay current, pay our debt and protect our credit. One day XXXX XXXX 2016 I called to make a payment and was told the XXXX had been XXXX XXXX out and was forgiven by USAA Bank who I have been with for 30 years. I called the CEO 's office and told them I did n't want them to do that as I was concerned about possible credit issues and I was PAYING them. I also did n't know if there would be a tax liability we could not afford. This year, no XXXX came and them after preventing us from paying them as the account no longer was accessible they put us into collections all the while keeping the other open and continuing to make payments. They closed both of the cards/accounts and denied access to our online ability to pay or communicate. I contacted the CEO again to say this is fraud and we have been deceived and their individual there XXXX XXXX refused to call me back. It has now been several weeks. I never get my documents via mail as requested only bills. I have stayed current with all other accounts but they have strong armed be to now auto deduct my home and auto insurance payment. Additionally they have been crashing my credit as if I have NOT paid them for over a year and I had no idea. I told them I am not getting correspondence and they sent me a letter saying that I can access the online account. They are the ones that locked it. THIS IS INSANE.
Thanks for your attention to this matter. I am dismayed that I can not trust these people. They also hold my second mortgage, and told me the property valued which it has not for the past 14 years. I have paid them irregardless but they have no accountability for providing a bogus appraisal that would have prevented and interest only situation that is now starting to increase. We are trying to sell to get them paid and now they have after all these years are the very people stopping us from buying or renting a way forward!!!
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My husband XXXX in the month of XX/XX/XXXX, at which time we were having some financial difficulties. this resulted in my home going into foreclosure. I was able to market our property for a short sale were Portfolio held a judgment in the amount of {$4500.00} which stopped the sale. 
Contact was made to Portfolio a number of times prior to the 1st recorded date of XX/XX/XXXX.at that time a letter was sent by my attorney. Phone contact was made on a daily basis starting XX/XX/XXXX. 
On XX/XX/XXXX we were informed by the legal dept. that the dept was uncollectable ( original judgment date was XX/XX/XXXX ). 
Mean while, Portfolio requested1 or 2 documents which my attorney provided. There after my attorney continuously called for the resolution. Finally he was informed that a satisfaction would be issued. This was too weeks ago. 
We have contacted Portfolio again on a daily basis with the same promise ( tomorrow by XXXX ). 
My mortgage holder is now going to reopen the foreclosure .I do not want a deficiency judgment.

Company response to consumer: Closed with non-monetary relief