milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i review all XXXX credit scores on a weekly basis. On XXXX XXXX, I noticed my experian score dropped XXXX points to a XXXX and yet my XXXX and XXXX rose by 3-4 points each respectively. I called experian and spoke to 3 reps who passed me off to one another. All 3 reps could not tell me why my score dropped. The final rep was a supervisor, very nice, but she said this looked like a mistake and that I needed to send a copy of XXXX and XXXX reports to their dispute department, so i did. The dept responded back to me with some 'canned ' pre-written decline that all XXXX bureaus worked differently. I have spent almost 3 hours trying to resolve this. I have excellent credit and all I am asking for is fairness. Why would my score drop XXXX points on the Experian report yet rise XXXX pts on my other XXXX reports. Experian MUST provide a valid reason for this and as of now, they have not and it appears they are refusing to admit a mistake. 

Thank you for this wonderful service by the way.

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 08/26/2017 about Student loan (Federal student loan servicing) with MOHELA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This complaint is related to public student loan forgiveness. I am a XXXX XXXX with XXXX XXXX XXXX dating back to XXXX 2008 with XXXX XXXX XXXX and XXXX XXXX. A review of my payments indicate only 20 payments qualify for loan forgiveness! After nearly 9 years of employment and consolidating loans ( with a higher interest rate ) in the direct lending program, which was required to be eligible for public service loan forgiveness program. I am now learning that I am 100 payments short of the required 120. I am outraged. My servicers changed several times over the years and in that process my payments were apparently thrown off track. At every juncture I was assured that the plan I was in qualified for pslf. Now I am learning that the payments I made for years did not qualify. This is not my fault. I believe every payment I made should count. I 've been working for years in public service, in a field that requires a 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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Experian Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX RE : Social Security Number:XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XX/XX/2017. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing  any potential issues with your company via an online public press release, including documentation of any potential small claims action

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 07/27/2016 about Mortgage (FHA mortgage) with FCI Lender Services Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I apparently have a loan with FCI Lenders Services , Inc or with one whom they are servicing. However this company FCI Lenders Services , Inc has failed to send me statements, or provide any info such as a website on how I can obtain any info on the loan that I have been paying to them for quite some time since 2012. I have recently pulled my credit and nothing was found on my credit for FCI or of this loan at all. I have reached out to this company whom they advised me i have to reach out my request in email which I have and yet they still have failed to assist stating I now have to fax over all my personal information just for them to provide me what I feel should be given to me as the consumer. My concern is I am paying faithfully to a loan that has not been showing by credibility on my credit and they can yet provide me info on what the payoff is or breakdown of my payments.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was dismayed after I ordered my XXXX XXXX and TransUnion credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XXXX XXXX and 60 days late as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 05-01-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MS).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: My care was stolen on  XXXX / XXXX / XXXX  and when it was found on  XXXX / XXXX / XXXX  it was considered a total loss by the insurance  adjuster  with the insurance company  (   XXXX  ) .At the time of my lost I owed {$21000.00}. My insurance company  (   XXXX   )  paid {$11000.00} with left a balance of {$9000.00}. I purchased GAP protection  XXXX   XXXX . I received a letter in  XXXX   XXXX  stating that GAP will not be responsible for paying the remaining balance and that will be my responsibility. I called on several occasions t o Santander Financial trying to see what I need to do take care of this balance. I was instructed that there was nothing I could do but  pay this remaining balance. I called GAP with  XXXX  spoke with several adjusters and was informed because of the high interest, daily fees and late fees they have the right to deny paying off my remaining b alance. I spoke with one claim adjuster whom informed me to cancel my GAP claim ( which I did ) to lower my monthly payment. Canceling the GAP on the vehicle I no longer had did n't lower my payment. My financial agency ( Santander ) lowered my {$620.00} monthly note to {$450.00} a m onth with a daily interest of {$5.00} per day. Keep in mind, I am paying {$5.00} daily on a car I no longer have in my possession still till this day. The insurance company  (   XXXX   ) r equested all keys and to turn all rights of the vehicle over to them vi a UPS before prior paying a payment they was gon na pay to Santander. I sent everything via UPS as instructed to solve this matter. The insurance company (   XXXX   ) p aid Santander  XXXX / XXXX / XXXX . While waiting on the insurance company and GAP to pa y Santander, I was accumulating additional late fees with daily interest and penalties which affected my credit score tremendou sly while waiting to finalize the incident. As of  XXXX / XXXX / XXXX  the amount I now owe is {$10000.00}. Other words, I 'm stuck with a monthly note on a vehicle I do not own anymore that 's constantly accruing high interest rate and daily fees still this day. This is not fair nor what I signed up for when I purchased the GAP Protection and the  XXXX   XXXX . I need help resolving this issue. I was current on both my insurance and car note at the time of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Auto) with Kinum, Inc. (UT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: He called me at my work. I told him I am not able to take these phone calls at work. 
I told him my work hours and he can call me on my cell phone, before or after those hours. 
He has now contacted me again, at my work, as well as calling my personal cell during my work hours he was provided with. 
He continues to be rude, and very ignorant about working with me, even after I ask set up payments with him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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: I noticed on my credit report that a medical was on there twice, and it was the same medical. The medical was reported by XXXX XXXX for a medical service. The service was on the same day, the amount was the same, but yet they have two medicals for the same debt. They have duplicate trade lines. I have asked Experian and XXXX to remove the XXXX duplicate tradeline, both in the amount of XXXX dollars. They refuse to do so. I have worked at a credit agency ; the two unpaid XXXX medicals are the same account : open date the same, amount the same, day of delinquency the same.

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 11-02-2017 about Debt collection (Federal student loan debt) with Delta Management Associates, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: a company by the name of Delta Management Associate InXXXX send a debt collection letter to my job stating that I owe {$60000.00} in student loans and the social security number they have on this letter as well as the address are wrong and I have never lived at XXXX XXXX XXXXXXXX XXXX XXXX IL, XXXX, the SS # they have on this letter is not mines either XXXX. My name is XXXX XXXX but again this is not my debt I have never lived in Illinois and I do not have this social security number I called the company at XXXX XXXX but the refuse to hear me out stating that I need to have my employer call them and my employer did n't give me the letter the letter was mailed to me at my job. This is not right and I want them to get this corrected immediately. I would appreciate you assisting me with this complaint. thanks. 

XXXX XXXX XXXX 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 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I have three Credit Cards with Capital One and have been having issues since XX/XX/XXXX with my online services. Anytime you open an new account ( credit card, savings, auto, etc. ) online you are required to create a new user ID and password. I have never had a problem with this because you can combined the user accesses into one login, until now. I have contacted Capital One over five times and have gone into the branch to try and resolve this. They can not  combined user access only the customer can. I have made several complaints but absolutely no one is contacting me. I have to be the one to call capital one and check on my status. This is getting old. Today I called again to inquire about it and they informed me there was noting they could do after being on the phone for over an hour. I asked to speak with someone else and they put me on hold and then they hung up on me. The customer service is some of the worst I have ever dealt with. This case was first opened on XX/XX/XXXX escalated on XX/XX/XXXX.  My ticket number that they are working on is XXXX. Also, another reason I want to combined user accesses is because I am trying to combined my two business credit cards into one. They both have an annual fee on them and if I get charged the fee on both then I am going to be very upset especially since I have been trying to resolve this issue for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In response to filing a complaint with the CFPB, capital one has responded by no longer sending monthly statements. The last statement I received was XXXX 2015. 
I also have been blocked from accessing my account online. The Honorable XXXX XXXX will undoubtedly begin his response discussing my bankruptcy. However the case has been closed for a year I 'd like to have statements and online access. I have asked and been told by XXXX XXXX to call someone else at Capital One. His response unhelpful and unprofessional. Capital One has determined that they will not respond to my calls. See email attached from their attorney stating that I am not to call nor will not get any responses. 
I have been the victim of Capital One 's retaliatory and predatory nature and in fear of them sending their attorneys after me for calling I am unable to call and appealing to the CFPB for assistance

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (IA).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo bank is reordering payments to increase amount of overdraft fees they can charge. I wrote a check for XXXX to pay for the rent and deposit on a new place that was written on XXXX/XXXX/15 but was n't deposited until XXXX. I had XXXX payments that cleared before the overdraft hit my account that processed on XXXX and XXXX. Wells Fargo reordered the checks so the check was processed before the payments increasing my over draft fees from XXXX to XXXX plus the amounts of the payments they had already processed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/19/2015 about Payday loan () with Cottonwood Financial Ltd. (LA).
Issue: Charged fees or interest I didn't expect

Complaint: I filed for a payday loan before joining the XXXX XXXX back in 2013 for an amount not exceeding {$1000.00}. I have the bank documents where they withdrew the amount from my account. I have been contacted indirectly by a third party, XXXX XXXX XXXX, demanding a payment for the amount of {$850.00} owed. They did not verify the original amount, nor did they send me documentation of the original contract. They also threatened legal action if I did not pay the settlement that was offered. I contacted The Cash Store ( original creditor ) to find out if I could get the original document to assess the situation, and whether or not I owed any amount. They said there was a remaining balance that was sold to a third party, and they did not have the original document. I then contacted their corporate office, who said they did not have any original documentation of the contract, and just stated the payments I paid to The Cash Store. They referred me to the third party the remaining balance was sold to, which was not XXXX XXXX XXXX, but XXXX XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It is quite obvious what happened, as I am only 1 of 143 million Americans. Equifax, through seemingly gross incompetence, has allowed my credit and personal information, and millions others, to be breached and taken from their data records illegally. I assume this is n't the appropriate place to mention the over a month time period that elapsed before Equifax announced this breach to the public, only after their shares in the company were sold, so I wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted TransUnion several time about removing fraudulent information from my credit report. They are quick to update any and every thing that is given to them but take there sweet time and make you jump thru hoops to correct any false information. I am a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 06-12-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is once again reporting a derogatory public record, see attached credit report from XXXX/XXXX/2015. 
This was taken off all credit reports several months ago when I showed the lien release dated over 5 years previously, see attached lien release. When the account is accessed online, no derogatory information is listed. When my creditors get a copy of the credit report, the lien and collection reappear and the credit number thus suffers. The credit score thus suffers a XXXX plus point deterioration below the level of the other agencies, both of which do not show this lien. This is my XXXX time requesting Equifax take permanent action to remove incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have a checkin account with Santander Bank. The account was opened   XXXX   XXXX   XXXX    . I have had regular bi-weekly direct deposits from my employer   XXXX   XXXX   of $  XXXX  /pay  period into this account. Sometime in   XXXX   Santander froze my account without warning for " suspicious activity '' .The account has not been used for any unscrupulous activity.   They account has about {$500.00} in it now. I can not withdraw money for the account to pay my bills. the bank wants me to come into the branch to verify my identity. I told them that I live far away from the nearst branch. However they will not listen to any reason adn unfreeze my account. I am also waiting for my {$150.00} bonus to post.

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 12/21/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (CA).
Issue: Shopping for a loan or lease

Complaint: I try to apply for my installment loan from lending club I may be discrimination bcause of my race I be able to pay XXXX every months on my credit cards and why I only borrow XXXX and I am not qualify. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted company on several occasions to clarify that the debt is n't mine.

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