milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX ( XXXX ), without my knowledge or consent, transferred a credit card balance to my XXXX savings account and created an Installment Account, i.e., Account # XXXX, under my savings account, without my knowledge or consent. Thereafter, XXXX XXXX XXXX XXXX began sending account information, notices, and loan payment coupons to the wrong mailing address wherein I did not have access to any of the information. 

Per my credit report, XXXX listed the type of account as " Individual/Applicant. '' Per the credit report, the Status of same is : " Closed, Account Closed by Grantor ; Installment. '' I did NOT apply or enter into any Agreement with XXXX to have them transfer anything to my savings account, particularly not a credit card balance. I just recently discovered what XXXX had done when I contacted XXXX to obtain copy of recent statements I was affiliated with. To my surprise, I was told that my savings account had been closed/membership terminated and a loan had been " written off. '' XXXX has refused to allow me access to Online Banking and/or bank statements relative to any of the accounts I am affiliated with at XXXX. According to my credit report, XXXX reported that I had opened an account with them on XXXX/XXXX/XXXX, with the last activity on XXXX/XXXX/XXXX. The information XXXX provided the credit reporting agencies is false and/or inaccurate because I did NOT enter into any Agreement with XXXX relative to a new Installment Loan or any account that opened on XXXX/XXXX/XXXX, nor did I have any knowledge or awareness regarding such account being created by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: XXXX, bought an XXXX from dealership, in XXXX, Ohio. Lender was XXXX. I also had to add insurances of various types, so I would be approved, they said. I paid on the vehicle for 3 years, and it was repossessed by a Lender called Santander, aka, SCUSA, aka US Santander. It was sold for XXXX, and they told me i needed to pay off the note which they claimed was XXXX. Not only did 36+ months of XXXX were made, after reposession caused me to lose my job, and ended on streets. I know there was a class action suit against Santander this year, as I read today, XXXX XXXX. However, if I knew about lawsuit, I would of gotten involved. I would of done more than report to credit bureaus about their unfair practices. They ruined my credit, my life, my health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Just a little perspective for you : * It has been approximately 1530 days since my last mortgage payment on the property. 
* It has been approximately 1220 days since I informed the mortgage company ( GMAC, now bankrupt, then transferred to XXXX Bank ) of my intention to relinquish the property. 
* It has been approximately 1120 days since I moved out of the property. 
* It has been approximately 1020 days since I filed for bankruptcy and stated in my petition that my intention was to relinquish the property to the new mortgage company ( XXXX ). 
* It has been approximately 945 days since my bankruptcy was finalized and all of my debts were officially discharged including the mortgage on the property. 
* It has been approximately 640 days since the property was " winterized '' by the new mortgage holder. At this time, they changed the locks and I no longer had any access to the property. 
* It is my assertion that on the date the bank changed the locks, they effectively took over the maintenance, care, and responsibility for the property. Prior to that time, I had continued to maintain the property. After this time, I have done no maintenance or maintained the property as it is not accessible to me. I understand that the mortgage holder and/or HOA has been maintaining the property since the locks were changed. It is my assertion that this was on behalf of the mortgage company who took responsibility for the property back in XXXX of 2013. 
My frustration at the length of time it is taking for me to officially relinquish the property continues to grow. I believe the excessive length of this process has caused me undue stress and emotional damage not to mention the continued negative hit to my credit. It has affected my emotional and physical health negatively and impacted my work, my family, my self image and my relationships. The excessive length of time is cruel and unusual exceeding industry standards of acceptable practice. This current situation due to the length of this process is unjust and punitive. I have done all within my power to remedy the situation. What is my recourse? What do I need to do to resolve this and be given an opportunity to move on with my life?

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: I 've had an account for over 20 years with good payment history. But the CC company wo n't report me to the agencies. We experienced fraud on our account in 2006 and as such they stopped reporting us. They claim that since 7 years has elapsed they can not report me to the agencies despite continued good payment history and being a customer in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: The problem relates to denying me access to online information about my account. I have had a Citibank Credit Card since XXXX. Recently I fell behind on my payments but and am more than 30 days behind ( for the first time in 11 years ) but less than 60 days behind. I promised to pay on XXXX which is still less than 60 day. This promise is in Citibank 's Data Base. All my statemets are delivered on line and that is how I access my account info. I receive nothing by mail. For some time when I login to the Citibank credit card website I can only see a screen that informs me that I am past due and gives me only the options of setting up automatic payments or paying now. Today, XXXX/XXXX/XXXX i called customer service about this. I was transferred to XXXX ( his Citibank ID number is XXXX ) who supports the website about XXXX EDT. He listended to my concern about not being able to see information about payments or any of my statements. He then went offline and came back to say that since the account was over 30 days past due, online access was denied. He said he could mail me a past statement but could not allow me to see my past statememts or payment info online. Mail obviously would take several days. He then transferred me back to customer service who verbally relayed the information I was seeking from my most recent statement. I told XXXX that it seemed wrong that I would deny access,, since I have no printed statements or anything else in writing from the company. I also pointed out that no other credit card company I deal with does this. If I am past due, they flag it on my homepage on their website, but the functionality of the website is unchanged. He said he was sorry, but that was their policy and he could not change it. He said he would mention my concern to his supervisor. In short, my complaint is that the company cut off electronic access to all information about my account because I was late on one payment in 11 years. This seems arbitray, not customer friendly and costs both the company me and time as I have to wait online for a live person to answer my questions. I think this policy of Citibank 's should be eliminated, to bring them in line with industry norms ( and perhaps banking regulations?? ) Thank you

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 07/13/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: I went to XXXX Lexus to see if I qualified for a new lease turning in my current lease. I was told the payment would be similar and terms also. When I got to the Finance office to sign the lease it showed it was a 48 month vs a 36 month. I was told it was too late to change and I had to accept the payments. I told them I wanted to change back to 36 month and they said they would work on it. Mow almost a year into it they still have not corrected their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Upon reviewing my report. XXXX XXXX XXXX falsely stated the term and payment for the mortgage to the Experian credit bureau. the mortgage servicer falsely state the term of 46years incorrect it is 40 year mortgage. It was reported that as of XXXX 2014 the loan was current that is a false statement. the loan was in default past due by 180 days. I have maild and fax doc proof. For this reason the items are to be remove from my 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 12/19/2017 about Debt collection (Auto debt) with Westlake Services, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: BACK IN XXXX, ABOUT A YEAR OR SO AFTER I MOVED TO XXXX FROM XXXX, I WAS GETTING READY TO START COLLEGE. THROUGH THE PROCESS OF FAXING DELICATE SENSITIVE INFORMATION TO SCHOOLS BACK AND FORTH AND MOVING FROM HOUSE TO HOUSE I FEEL LIKE SOMEONE GOT A HOLD OF MY IDENTITY THROUGH GARBAGE OR SOME HOW ELSE. AS A XXXX XXXX XXXX, THE LAST THING TO HAVE EVER CROSSED MY MIND WAS SHREDDING DELICATE DOCUMENTS OR EVEN PROTECTING MY CREDIT. IT WASNT TILL JUST A COUPLE YEARS AGO, I FOUND OUT ABOUT THIS CAR LOAN OPENED WITH XXXX XXXX XXXX. I REMEMBER GOING TO SCHOOL AND TRYING TO APPLY FOR LOANS AND THEY KEPT ASKING ME ABOUT THIS COLLECTION ACCOUNT THAT I WAS NOT AWARE OF! I HAVE REACHED OUT TO XXXX XXXX ABOUT IT AND THEY HAVE NOT DONE ANYTHING TO ASSIST. I HAVE EVEN ASKED THEM FOR THE CONTRACT AND IN THE CONTRACT THEY ARE MISSING NAMES. YOU COULD ONLY SEE THE FIRST 4 LETTERS OF MY FIRST NAME AND THE REST OF INFO IS MISSING. I TOLD THEM I NEEDED A VALID VISIBLE CONTRACT SO I CAN REPORT THEM AND THEY HAVE NOT BEEN ABLE TO PROVIDE ME WITH ONE. I HAVE REACHED OUT TO XXXX SEVERAL TIMES AND THEY KEEP STAYING IN FAVOR OF XXXX XXXX BY REPORTING IT AS VALID. I HAVE SENT REPEATED NUMBER OF DISPUTES AND IT HAS NOT BE RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a XXXX home in XX/XX/2013. The original purchase price was {$170000.00} and I put 15 % down. I was at 85 % LTV with a loan amount of {$150000.00}. That means I needed PMI. According to my amortization schedule, my loan was scheduled to reach 78 % LTV in XX/XX/XXXX of this year. The PMI should have been automatically removed. I messaged SLS about this via their website and never received a response. I called a month later and they said I needed to submit a written request. I submitted my request along with XXXX guidelines for automatic PMI removal. They sent me back a letter saying that I needed to authorize and pay for an appraisal and then they would make a determination. They will not let me speak to anyone making a decision. They just keep telling me that I need an appraisal. No one rebuts what I am saying or shows me where I am wrong. I did confirm with the lender that my loan was scheduled to reach 78 % of the original balance in XX/XX/XXXX of this year. HELP!

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 05/28/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed an account with Equifax about an collection account. 
The dispute was with XXXX XXXX XXXX regarding a comcast cable bill. 
I have made several attempts to get debt validation from XXXX XXXX XXXX regarding this debt. They have not sent me any debt validation. Over the phone I was told by their representative they do not have the information and they need to get it from the original creditor. That was over 2 months ago. 
Equifax had noted the debt came back verified. I do not believe they received accurate information for this collection debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Debt collection (Credit card debt) with Hunt & Henriques (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was set up with a payment plan to resolve my debt. I made all the payments to the creditor on time and should have ended my debt in XXXX of XXXX. 

Creditor says they did not cash a check in XXXX of XXXX. I have proof they did. 

In XX/XX/XXXX I received a notice that the creditor was going to garnish my wedges. 

I have tried to contact the creditor to resolve this issue. 

Creditor took money from my paycheck on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 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: Account status incorrect

Complaint: I have asked Transunion to delete negative unverifiable information from my report, moreover they keep verifying closed accounts as accurate and update wrong information on my report. I specifically asked transunion to send me proof by mail to verify negative information which I have not received nothing and transunion continues to show and put back negative accounts on my report.

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 02/27/2017 about Student loan (Non-federal student loan) with NELNET, INC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: The collection agent or Nelnet has reported my student loans 4 separate times per month to credit bureaus ruining my credit score even though I am qualified for a forbearance with a payment due of XXXX per month for 240 months

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: Do to recent events that Loan # XXXX is missing a large amount of funds from escrow & loan principal balance, further there is evidence of misapplied, duplicated, removed funds and faulty XXXX. The borrower is requesting evidence which SunTrust has so far ignored. 
SunTrust stating that they originated the loan but now they are only the Servicer NOT the Note holder/Investor. 
Certified Copy of the Note, all Assignments and Endorsements. ( see attached official Request )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CT).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Gentlemen, In attempt to find out what has been affecting my credit score fo r 2 years exactly I 've come to discover a shady Adverse account used against me.   SYNCB/OLDNAVYDC is found to be behind the adverse informations.   Actually I can recall that I received a letter from  Old Navy,   XXXX   XXXX , Connecticut claiming some payment over some credit Card that I 've never applied for and that I have never received either. And right upon the scene I called the number provided and rejected all ties and all claims related to that creepy credit card ... I also asked them to cancel anything they might have regarding my address and my personal informations and since then I never heard anything from  old navy  Until I come to discover the report made against me.   I was 2 times in the store and paid cash whatever I bought and I remember They asked me if I wanted to file for the store reviews and I only gave them my email and names 2 years ago.   I do n't accept store credit card offers and I 've never applied for any type of store credit card which I do n't need.   Please look into this and bring me justice.   Thank you!     Thank you

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 03-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out a private student loan in the amount of {$25000.00} to attend university in XXXX in XX/XX/XXXX. Repayment has been brutal. I have since paid off two vehicles, but my repayment plans for the student loan are brutal. I now work at a non-profit company and do not make a substantial income. However, Navient keeps trying to bump my monthly repayment for over {$600.00}! They harass my retired parents who co-signed on the loan 17 years ago. I have to fight to stay on a reduced apr plan. I have n't even begun to repay principle. Seventeen years later, I still have more than {$37000.00} to pay and Navient has been unable to tell me how much I have paid over the years. It 's a prison sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have credit monitoring issue due to an issue that occurred in XX/XX/XXXX year when my credit report was accessed by another person in an attempt to open new credit. The fraud alert was renewed a second time from the original date and recently expired in early XX/XX/XXXX. Recently, I called to ask how to remove some inquiries and the Experian rep told me inquiries are statements of fact and can not be removed. As a credit tracker member, they would not transfer me to the disputes department simply for inquiries. They suggested that I review all of my inquiries and then contact your agency for assistance to remove them if they do not belong on my report. When I called, the following were the issues I intended to address : The XXXX inquiry on XX/XX/XXXX. The reps at XXXX represent it is a soft inquiry as well and claim that a hard inquiry never appears on your report. I also have written documentation from the XXXX website that confirms the inquiry should be a soft inquiry. It is noted SEVERAL times on the website and outlined in the FAQs section. I have attached for review, and I am requesting this inquiry be removed since I did not authorize a hard inquiry be performed by XXXX. 

I have XXXX other inquiries that should be removed. The XXXX from XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I do not recognize those as authorized by me, and I believe I already advised Experian about the XXXX XXXX inquiry should have been removed when they removed a few other unauthorized items ( which they did, so this XXXX must have been missed. ) The final inquiry issue is with XXXX XXXX inquiry on XX/XX/XXXX. I contacted XXXX credit on XX/XX/XXXX at XXXX and spoke with XXXX who did confirm that the inquiry is an error. He stated that no Experian credit file was received under my name on XX/XX/XXXX. It must have been a system glitch when I opened my account because he stated they pulled an XXXX file for the basis of my credit decision with them. I told him that I asked the rep in the store and she said only an XXXX file would be pulled and that is the only one I authorized. He again reiterated no Experian file was received so no inquiry should have been registered on my Experian report. He submitted an inquiry removal form to Experian and documented my account accordingly. I am requesting this inquiry be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I checked my credit report and noticed that I have   one   account in collections with   XXXX   XXXX  . I have no knowledge of ever obtaining this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have on numerous, document occasions, attempted to resolve the unfair and deceptive practices performed by Citibank. Despite refusing to provide the bonus offered in unsolicited advertising sent to me, Citibank continues to send me unsolicited offers for similar cards for which I have no idea whether they will honor or not. 

This is unfair and deceptive. I require you provide the advertise offers you send me. 

If you make a mistake and send me offers which I then respond to, you should acknowledge your mistake before I meet my end of the implied contract. 

If you can later determine I am ineligible, do not send me the offer in the first place. 

Please provide appropriate restitution for your actions.

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