milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2016 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: designed recievable was not able to verify or validate this debt that i owe to them by my signature stating that i had and obligation to pay this allege debt and had deleted it from my XXXX credit file XX/XX/2014 and then placed it on my other credit files XXXX and XXXX i have reached out to them several times and they continue to verify this as reporting accurrately when they have deleted it from XXXX credit file and continue to report on other files

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Credit card) with CITIBANK, N.A. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i am receiving non stop calls from this agency starting from early XXXX to late XXXX, during which time if i attempt to say hello no one says anything they stay silent until i hang up and they just repeat the action by calling again constantly, i have tried to reach out to the company directly to express the issue but the calls continue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids XXXX my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XX/XX/XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XX/XX/XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my XXXX daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XX/XX/XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert XX/XX/XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to them.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: In the wake of the XXXX hack, affecting 143million accounts, I have attempted to place a credit freeze with all three major credit reporting agencies. I have gotten a busy signal multiple times or their site has been down. It is unacceptable that I can not place a security freeze on my account because a company valued at > $ 1billion can not accept calls ( nor keep its personal data secure in the first place ). These attempts at a phone call or website access have taken place multiple times from Mon ( XXXX ) to Weds ( 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 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX has failed hundreds of times to proof this account they are reporting on my Experian report belongs to me, further have they failed to prove that each transaction belongs to be. The reason is because it doesn't and it's causing me severe damage. This has been going on for more than 4 years. 
I already provided them a copy of my Identity Theft report and they refused to honor it although all other creditors honored 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 non-monetary relief
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I spoke with a loan salesman to try and refi my home. they failed to let me that because I had move my home into trust ownership I would not be able to refi. the started the loan underwriting had me pay for an appraisal and deliver all of my information. after all of this was done they stop returning my calls for 4 days before telling me they this information. I had let them know I had an issue with the quick deed and it was not completed. both the loan producer and title company they work with told me to complete the transfer, only to tell me that the transfer would make it so I can not do a refi. They omitted information that would have same me {$550.00} and about 10 hours of time, and then delayed telling me for 4 days

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 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My account is set up on auto draft every month. I never really took notice until I received my tax statement for XX/XX/2016 but my payments have not been applied to any of the principal for the last 4 years. In my payment history, I can see the payment break down of principal and interest but my balance has been increasing and therefore I am paying more in interest as a result. My tax statements show that my interest paid is the total of every payment for the year. I called Navient customer service and they gave me the run around and told me the opposite of what my account and tax statements say. I understand there is a class action lawsuit for this issue currently in the works but I want to get the issue fixed so my future payments are applied correctly. Basically, this has doubled the remaining payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I never attended XXXX and XXXX XXXX to collect any debt from the school. I have tried to reach out to the school to have them remove the loans from my file but they are not helping me at all. I dont know what steps i need to take to have this negative information removed from my credit reports. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I applied for a Citi Best Buy card and was denied credit. I have an XXXX credit score with no derogatory information ever. The reason provided was " Too many inquiries. '' I pulled my credit from XXXX where Citi also said they get their credit and there are only 3 inquiries for the year. 

Upon complaining about this to Citi on XX/XX/XXXX/17, I was called back by a supervisor telling me that underwriting had reviewed my application and confirmed it should be denied for " Too many inquiries. '' I read the 3 inquiries on my application but the supervisor refused to tell me if those were the 3 she saw. She did however admit there were only 3 for the year.
I then asked what the policy is for too many inquires as I find it hard to believe that having 3 credit inquiries for the entire year is a valid reason for denying credit. The supervisor refused to tell me the policy and said it is different for everyone.
I believe that Citi is deliberately denying me credit because I have an A+ score and I pay my promotional accounts on time so they are unable to profit from me. 

The Citibank credit application reference number is : 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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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 sent in a dispute on an entry on my Experian and  XXXX  credit file that showed a Chapter  XXXX  bankruptcy. I asked the company to provide me with documentation for how they came up with this entry. I asked for validation of the entry. Experian has not provided any such validation so I disputed it again. This time they wrote back saying that they would not investigate the matter anymore. This was printed on my credit report dated  XXXX   XXXX ,   XXXX  . The have not validated the entry nor have they provided any documentation supporting the validation of the entry yet they continue to knowingly inaccurately report the entry.  XXXX  has deleted the entry while the other  XXXX  credit reporting agencies continue to knowingly report false information.   According to the law, the burden of proof is on the credit bureau and/or the furnisher of the information. This means that I have the right, by law, to dispute any item on my credit re port that I feel is not accurate. Also as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), they have 30 days to complete the investigation. When the credit reporting companies (  XXXX , Experian, and  XXXX  ) do   not prove the listing on the reports are accurate and provide validation in a timely manner when requested, by law the entry in question must be deleted. By not doing so they are in violation of federal law which can be punishable by a fine of {$1000.00} per violation if taken to court.

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 09-12-2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Billing disputes

Complaint: bank closed my account and is reporting inaccurate information on my credit profile with bureaus.

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 02-09-2018 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: Information belongs to someone else

Complaint: My name isnt XXXX XXXX that is one error on my credit report. My name is XXXX XXXX so please remove these errors listed on my credit file. 2. All the addresses listed on my credit file is reporting incorrectly and the only address that should be reporting on my credit file is XXXX. XXXX XXXX XXXX FL XXXX. So please remove that error as well along with the inaccurate accounts and inquiries that you have been reporting on my 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 09/16/2017 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: I am trying to put a fraud alert due to recent data-breach with Equifax and so far no luck. Very un-ethical business operations from Equifax and they should be accountable as they allowed my XXXX data into bad-hands. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In the beginning of XXXX 2015 I was informed by Equifax that my credit report would be transferred over to their " Equifax Office of Consumer Affairs ''. At the time I had no idea what this department was nor why I was placed in this department. 
Also around early XXXX I began applying for credit cards and shopping around to refinance my home. 
I was denied several credit cards and mortgage opportunities. I had no idea why until I started receiving letters in the mail with the reasons why. These letters were stating that " Equifax credit bureau information is missing/unavailable or score not available ; insufficient or unknown credit history ''. 
Curious I called the " Equifax Office of Consumer Affairs '' to ask about the situation. I was told that companies would not be able to get access to my reports anymore because NOW my reports were being held by the " Equifax Business Division ''. 
Meaning mortgages, credit cards, insurance companies and even a job that Im trying to get would have to contact this Equifax Business Division. 
This has been a HUGE burden on my family and I. I cant apply for jobs in a timely matter, get car insurance, nor apply for credit. I also can not access my credit report online anymore, which according to the law I have to right to receive. 
I want to be taken out of this " Business Department ''. I want to be taking out of their " Equifax XXXX of Consumer Affairs Department ''. 
I have still never received a explanation in writing as to why I was put their special departments in the XXXX place. I do think because of me contacting the CFPB in the past, this is their way of " punishing me ''. 
Regardless I have a right as a consumer to access my personal credit report and give permission to other entities without having them contact the Equifax Business Division. 
I would like an explanation as you why this happened. I have also contacted a lawyer about the situation. I am ready to go further if need be. Hopefully this can be resolved without any further problems. 
I would like to have Equfax remove me from these departments immediately. 
Thank you ... .. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: Wells Fargo negotiated a payroll check after 7 months and it had a stop payment initiated on the check. stop payment expired at 6 months and no red flag in their system to catch this check while it was being cashed. they charged me {$31.00} for the stop payment and allowed the {$960.00} check to be cashed. They take no responsibility as a institution to protect their customer or consumer.

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 10/20/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Last month I paid my dad 's XXXX TV bill over the phone with my debit card. My dad was low on cash and payment was due. Well XXXX charged his payment again ( this month ) without my authorization on XXXX XXXX. My father called to tell them the contract was in his name and they should use HIS debit card and they told him to call back the next day which was XXXX because the charge was still " pending ''. When he called back, they said tha there was nothing they could do. I tried to dispute it thru Chase Bank, telling them that I did n't authorize the 2nd charge or recurring charges. Chase wo n't do a XXXX thing. I am concerned that XXXX will charge NEXT month 's payment and Chase still wo n't do anything to stop future auto-payments. I 'm left with claiming my debit card as lost/stolen and now hate my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America gave me trial modification and said I qualify for this plan but later they changed their decision!!! 

Despite my numerous attempts and requests to Bank of America, they still refuse to clarify why they are not finalizing my third trial loan modification.They also failed to call me back despite many messages that I have left them. 
Their excuses for denying completion of my modification is very unreasonable. They gave me trail modification but refuse to make it permanent!!! 

In their letters dated XXXX XXXX, XXXX and also XXXX XXXX, XXXX, Bank of America confirms they have received the form XXXX from me to obtain the tax records from IRS. They should have no problem obtaining these records, as I have filed all my tax returns for the years in question ( XXXX and XXXX ). I have provided all tax records for all previous years to B of A. 
Bank of America keeps repeating the same unreasonable excuses in order not to finalize my trail modification!!! 
They claim that in XXXX they could not obtain my taxes from IRS. This could be due to many potential factors such as : IRS mistakes, miscommunications, etc. 
Fact of the matter is that I have these returns and they have been provided. I can provide it again if needed. 
It is very unfair that the lender has issued XXXX trail modification which proves I am qualified for this program, but they refuse to issue the final modification. 
Bank of America is giving responses that are full of contradictions and false background information. They claim tax returns were missing then but they have them now! If the tax documents are available to Bank of America, then there is nothing missing now. They need to stop this nonsense of a vicious cycle of mixing a file from XXXX with another file from XXXX. 
They say I qualified for modification in XXXX but because of previous questions of the XXXX file, they are refusing my final modification! 
This is total nonsense and very unfair! They can help me save my home, yet they insist on not helping me! 
Bank of America in its letter says XXXX XXXX is the contact person, but he has not responded to any of my XXXX messages!!!! This behavior of B of A is very unfair and even shameful to treat me and my family in this reasonable manner. Who should I talk to about this matter?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 11/26/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked to verify debt and I did not get a response and verification

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: A few months ago I signed up with Transunion for what was represented as service for credit monitoring and credit score tracking. It was promoted as costing {$1.00}. Subsequently I learned that there was a monthly charge of {$17.00}. I became aware of the charge in the last two months but it has been billed to my card for the last 5 months, according to TransUnion. On XXXX XXXX, 2015, I called and cancelled the service. When I was waiting to speak with a supervisor about getting a refund on charges billed, Transunion ended the call. 
I believe TransUnion is engaging in an unfair, deceptive, and possibly abusive practice. I do not recall seeing any disclosures about the monthly charge. I would not have signed up if I understood there were any charges besides the {$1.00} fee - even after a trial period. I am asking for the CFPB to help get my money back and to get Transunion to stop this practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX. at XXXX XXXX XXXX, XXXX PA XXXX ( XXXX ) XXXX obtained my credit report from XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX on X/XX/2017. This inquire for credit purposes was then released to other credit report agencies which is illegal. Additionally, I do not remember ever applying for a loan with XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation