milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2015 about Credit reporting () with FIRST ADVANTAGE CORPORATION (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I applied for a position with XXXX XXXX XXXX ( XXXX ), I was offered a position. However, XXXX XXXX XXXX has hired First Advantage Background Credit Reporting Company to do my investigate. First Advantage ( FAVD ) reported that I had an outstanding Criminal Capias Warrant at XXXX County Clerk of Courts from XX/XX/XXXX. I contacted the court, the Criminal Civil Capias was not outstanding, this was not true. First Advantage has reported to my future employer that I have an outstanding warrant when I never did. Both cases with XXXX County were closed by the court. I have filed two disputes with First Advantage. I never received a copy of the investigate. I went ahead a satisfied the civil case judgement and the Capias Warrant was dismissed and the judgement satisfied. I forward the information to First Advantage, although have acknowledged receiving documents me, they still refused to update the report and notified the employer, that the capias has dismissed per XXXX XXXX and judgement has been satisfied. I spoke with XXXX XXXX and they are still interested in hiring, they are just waiting to the report from First Advantage. I was told by FAVD this can take up to 30 additional days for them to update there computer database. My original start date with XXXX was on XX/XX/XXXX. I filed the first disputed with FAVD on XX/XX/XXXX, my 2nd dispute with FAVD was opened on XX/XX/XXXX. As of XXXX FAVD still stated I had an outstanding warrant which is inaccurate. In addition, the warrant was dismissed on XX/XX/XXXX and judgement was closed on XX/XX/XXXX. FAVD is stopping me from being employed, damaging my character and reporting inaccurate information when they have the court pleadings. I am a single parent and I need this job. I do n't think XXXX is going to wait another month to hire me. They were hiring for open enrollment which starts on XX/XX/XXXX. They employer will not take any information from me since they hired FAVD. The employer wants the report to show that its dismissed or removed. But FAVD is his holding up my job. Even though they have all the supporting documents from the court. This does not seem to be fair. I have verified with XXXX County Clerk Court, XXXX Ohio verbally and on XXXX County Clerk Court database which is online : XXXX ( Case # XXXX ) It shows that Capias Warrant was dismissed and the Judgement was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Hello, After I heard about the massive breach of consumer data at Equifax, i tried to put a credit freeze using their online tool and phone service and i just could n't. 

First they let their systems to be hacked and on the other hand have made it impossible for a regular customer to put a freeze on their own credit. It is so frustrating and feel helpless. 

I tried their online application yesterday to put a credit freeze and after taking my person information like SSN, address, got a message " We are unable to service your request. please try again later '' ( attached ). So, tried again this morning and got the same message. So tried their IVR ( phone system - XXXX ) to put a freeze and same results - after collecting my details got a message stating they can not process my request. One other thing to add, while collecting the SSN on their site, they do not even mask it ( such a basic thing for securing data, they are not bothered about it ). 

If a company can not safeguard their customer information, why they are collecting so much information. 

When i tried to get to their support page to get general support number, it fails with an error message ( attached ). Somehow got a XXXX number and when i called them, it was an automated system for just getting a credit report, when i pressed XXXX ' to talk to somebody, the call got disconnected. 

From end to end, they have a bad system/processes and does n't care about their customers. 

Hopefully Government/Congress can take some action against this company and its executives to support the common man.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a pervious account which has been sent to collections i have been making {$20.00} payments every month because that is all i can afford. This company calls 4-5 times a day all hours. I have sent a few letters asking they stop harassing me the payments will be made until its paid off but they still call every single day..

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Reporting inaccurate information on my credit report this debt now says closed and dosent belong to 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 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was seeking a income sensitive deferment, but Navient kept telling me that I did not qualify. Now I have a volunteer deferment which I know will probably be {$600.00} at repayment. They offer no help at all. I attended XXXX XXXX University where I acquired these loans

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: A couple of weeks ago, I was notified that someone other than me had requested the log-in information for my XXXX account. Afraid that i was at risk for identity theft, I went to experian.com and paid for one of their credit reports ( which pulls from all XXXX reporting agencies ) to reassure myself that nobody had successfully stolen my identity ( YET ). During the process of purchasing the report, apparently I also signed up for a 7-day trial " credit tracking '' service, and agreed to have {$21.00} charged to my credit card on a monthly basis starting at the end of that 7 days. 
I do not recall agreeing to this, and of course I was anxious about the potential for identity theft, so I may have missed it. HOWEVER -- I think this a deceptive and disheartening initiiative on the part of Experian -- XXXX of the agencies I trust to help ensure that my credit is accurately represented and to help me identify any fraudulent use of that credit is pulling the same sort of sneaky " extra service '' shenannigans that XXXX XXXX and other credit card companies were pulling just a few years ago! I would like my money back, but have been assured by a banner on the experian web site that I will not receive that -- which to me indicates that I am not the only customer upset by this practice. I believe this was opportunistic on Experian 's part, as reports of tax fraud were rampant in the media. 
I hope this agency will hold Experian to a higher standard. This behavior is a little weaselly for a credit agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have contacted the fraud department on several occasions and have repeatedly stated that these are not my accounts. Up Until XXXX/XXXX/2015 they still have refused to remove these accounts and I am being bothered by harassing call regarding me delinquent account. 
XXXX : Processed Date XX/XX/XXXXDate Reported XX/XX/XXXX-XXXXProcessed Date XX/XX/XXXXAccount Number XXXXCreditor Name XXXX Type Home Electronics Sales and ServiceAmount Delinquent $ XXXXPayment Status Late 60 DaysCreditor Preferred Contact OtherAddress XXXX XXXX XXXX XXXX, SD XXXXComments Statement added because consumer was a victim of true-name fraud : # XXXX # IFCRADelinquent Account : A delinquency has appeared on your credit report. 
Here are the details of this alert. 
XXXX : Delinquent Account : One of your accounts has become delinquent. 
Here are the details of this alert. 
Processed Date XX/XX/XXXXDate Opened XX/XX/XXXXAccount Number XXXXCreditor Name XXXX XXXX XXXX XXXX XXXX , SD XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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: On my Equifax report, it states an item is in dispute. I have been asking Equifax to remove the dispute for over a month. I am purchasing a home with a mortgage through my bank. The offer is contingent that in order to close on the house, that item has to be marked closed, paid in full.   The item has been paid in full for quite a while now  ( from   XXXX   XXXX   ),   with showing a   XXXX    balance, but still shows that it is in dispute. There is nothing to dispute, being that I paid the collection in full back in   XXXX   of this year.   Everytime I call Equifax, they tell me that they will take care of it. I received an email today with my Equifax report, shows that the item is still in dispute, after they ensured me it will be marked paid in full.   If this is not corrected, I will lose the deal on the home. I have paid for my appraisal and home inspection as well as {$5000.00} is earnest money. I fear that I will lose out on all of that if this is not taken care of before closing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing this complaint against Citibank/ CitiMortgage. I have been trying to get a loan modification for about 1 1/2 year now. I have turned in my papers that is requested of me in a timely manner and multiple time. Citi has been incompetent to do their part as in processing the paper in a timely manner and allow my papers to expire. Once they expire I have to start back over. I have had multiple attempts by phone and email to contact my specialist XXXX XXXX. I never hear from him or able to contact him. The one time I did he stated that there was in paper work on file in which he was very rude and not helpful at all. I told him there was and that I received a letter stating so. I then ask to speak with his manager. I spoke with XXXX XXXX par. Once I spoke with XXXX he stated needed my home owners association paper once again even though it will state the same thing. Once I emailed it I tried multiple times to contact XXXX XXXX par by phone and email with no successful attempts. To see If he did reiceve it and it is was the proper paper to move forward with the process. I finially received an email from XXXX XXXX par on XXXX XXXX 2016 stating that he did receive my papers and he would retro back all of my last documents so they would be current to send them to the underwritier and I would know something in a week or so. It also stated that XXXX XXXX XXXX would keep me updated with the underwriter. I still have not heard anything from XXXX, XXXX or a decision. I have received a paper and calls stating that my loan is past due and all money is due or my account can be forwarded to foreclouser in 14 days of stated date of XXXX XXXX 2016. I should already have a decision on this loan modification since I have been working on this for over a year now and not have to be going through this with the added stress due to Citi 's incompentent work ethics

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 03-05-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We 've made multiple attempts to cancel and obtain a clear reconciliation of our escrow account since 2014. We 've contacted CMS by phone and letters ( via fax per their instruction ) to no avail. In many cases, we received no response. The responses that we have received have been conflicting. Our monthly payments have continued to rise since opening an escrow account with CMS, although we 'd been told that they would decrease after we 'd paid the escrow balance off, which we 've done. 
Also CMS recently informed us by phone, that their records indicate that our mortgage loan is set up on a term that is incorrect. They claim that we have an ARM although we have documentation from CMS as late as XXXX 2014 stating that we have a 30 year Fixed Rate Mortgage. We have not completed any refinancing or modifications since that time. We 've spoken with countless reps, supervisors and departments over this period, and have not been able to receive any clear answers or resolution. Although we document the names of reps that we speak with, and they advise that they are documenting the system and/or requesting escrow account audits, we call back to only find that neither have been done and we have to start from square one with each CMS representative that we speak with. We have exhausted all resources with CMS to try to and resolve these matters with no success so engaging CFPB to assist us.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I believe that XX/XX/XXXX my mortgage was bought by Select Portfolio Services Inc. from XXXX. I did not receive notification from anyone that this had happened. I had automatic bank transfer for our mortgage with XXXX. SPS received payment for XX/XX/XXXX-XX/XX/XXXX, then they stopped collecting the mortgage payment. XX/XX/XXXX I had a XXXX XXXX, this laid me up for awhile. XX/XX/XXXX we found out that Select Portfolio Services had acquired our loan. The way we found out was that they ( SPS ) were starting foreclosure proceedings. After multiple times of trying to repay what we owe ( SPS refusing our payment every time, even though it was their mistake ). We are now in the world of loan modification and repayment. I have sent them all the information that they have asked for, 3-4 times. Every time I get a answer from them that they did not receive the fax or the fax broke down, transmission problems, etc. These people have no class, instead of working with us they would rather ruin you. I had no problems with XXXX or XXXX our previous loan agencies. We have lived in our home for 12 yrs and now we are being forced out. I know now that I have been SCAMMED by SPS. Something should be done about these people. Decent homeowners are being forced out of their homes for no reason. I will be contacting the FBI and the Attorney General of Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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 refused any communication for over a year with my lawyer who was attempting to negotiate a settlement on my behalf for the balance due on a XXXX  credit card. I requested that my credit card be closed and XXXX reported the balance as a bad debt write off, yet they continue to report the balance as outstanding for the past seven years to all three major credit bureaus hurting my credit score and making impossible for me to qualify for a mortgage.

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 05-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I found out that there was a Bankruptcy on Experian, and XXXX. I contacted each bureau and i was advised over the phone by a representative from the bureaus that they spoke to the court house and they court house verified the information. I then went to the court house and asked the clerk supervisor if this information and process was true. I was given a document from the court house stating that this was completely false and they do not speak or provide information to the credit bureaus. I forward the document to each of the bureau and then called to verify that they have received the documents, I was advised yes. It has now been 42 days now and all i have yet to receive a full detail form the bureaus or a removal form my credit report. I am prepared to file a law suit again the credit bureaus if this is not rectify within 15 days of my XXXX notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease

Complaint: Ally financial repeatedly reports I had a late payment in XXXX 2016 but I paid double that month and they refuse to remove it.

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 05/26/2017 about Debt collection (I do not know) with McCarthy, Burgess & Wolff, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a phone call at work fro m McCarthy Burgess and Wolf  (  XXXX  ). They stated that I owed {$300.00} to  XXXX  resorts for a trip on  XXXX   XXXX . They stated I stayed at  XXXX   XXXX  on that night. I stayed at  XXXX   XXXX  for  5  nights in  XXXX . I did not book through  XXXX . I called the resort, and they said I do not owe any money. This is a scam.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Transaction issue

Complaint: This complaint pertains to a Chase Visa card. On Friday, XXXX XXXX 2016 I called Chase to discuss making a large purchase in a foreign currency - XXXX. The discussion was to understand what exchange rate was used and when it would be effective. Chase told me that it was based on the exchange rate published in the XXXX XXXX XXXX for the day on which the transaction settled, which would be one to two days after the purchase. I made the purchase on Saturday XXXX XXXX, in the amount of XXXX XXXX. When I saw the transaction show up in my Chase credit card account, the amount in USD was {$25000.00}. The exchange rate was quite different ( worse ) than what was published in the XXXX. I called Chase today ( XXXX/XXXX/16 ) to discuss the matter. The representative indicated that XXXX sets the exchange rate and there was nothing Chase could do. I called the dispute department and they refused to disallow the charge because " an exchange rate is not a valid reason for a dispute ''. The dispute supervisor, a XXXX XXXX XXXX in Chase 's XXXX XXXX dispute call center, apologized for the fact that the Chase representative gave me materially incorrect information regarding both the exchange rate at which the transaction would take place as well as when the exchange rate would be effective. Had I been given the correct information, I would not have made the purchase. The entire reason for the purchase was to take advantage of a lower exchange rate ( i.e. the one published in the XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit card () with SYNCHRONY FINANCIAL (KY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: we applied for a mortgage loan, and this error is reporting on both our credit. we mailed letters to all XXXX bureaus and a direct letter to SYNCB/Care Credit to remove this account that is not ours. It was removed off my wife 's credit file, but it still remains on mine. We ca n't proceed until this problem is fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with Evans Law Associates, P.C. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Since the *very day* I filed my other complaint with the CFPB about the fake debt on my credit file from    XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX   , I have be en receiving countless phone calls from  XXXX . The man says he 's with the law firm of "    XXXX   XXXX   XXXX   XXXX   ''. H e tells me to call  XXXX . I researched that number online, and it shows as belonging to  Evans Law Office in New  York. This man threatens that his company will take legal action against me if I do not respond to his phone call.

Company response to consumer: Untimely response
Consumer complaint received 06-01-2016 about Credit card () with BARCLAYS BANK DELAWARE (NV).
Issue: Billing disputes

Complaint: Complaint against Barclaycard XXXX XXXX advantage plus. My credit card had been locked up and not been utilized for an extended period of time. Barclays charged me an annual fee. They sent so many spam emails over the year to my email address against my wishes that I put their address in spam. I had not been utilizing the card for over a year and when the annual bill to have their card came in it when into spam. As a result I did not finally realize that their annual fee until my experian report showed a credit score drop, upon discovery I paid the annual fee and all penalties w/o hesitation. I then asked for an adjustment to my account to fix the damage they had caused to my credit as a result of their actions and negligent spamming my account with offers. Additionally I never received any type of call or written statement notifying me of a late payment. They denied my request and this complaint is a result of their poor customer service to result and repair the situation that they are also negligent in causing..

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