milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The loan servicer Federal Loan Servicing is the most incompetent company I have ever worked with. They have consistently given me the wrong information over the phone, did not send me important information when I was denied XXXX program, delayed communication, suggested that I let my account go delinquent while they processed information, and the list goes on! Their customer service providers gave half-information, told me to wait for weeks, and then I was forced to pay higher than I should have payments due to their incompetence. I want to change loan servicers. Please tell me how! And get rid of Fed Loan Servicing. They are part of the student loan problem! Not the solution!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: APR or interest rate

Complaint: CITI double cash card lied and they will not fix the account. They are charging interest on a card that is supposed to be 0 % on purchases and transfers, but they are trying to say it is only transfers. It is clear on the offer it is both, and I want my interest fees refunded.

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
Consumer complaint received 11/14/2015 about Credit card () with JPMORGAN CHASE & CO. (VT).
Issue: Delinquent account

Complaint: In 2010 I defaulted on a credit card balance to Chase Bank. The bank unsuccessfully tried several means by which to collect and after several years sent me a XXXX form for debt forgiveness and I paid income taxes on the implied earnings. For some reason XXXX XXXX XXXX XXXX XXXX did n't get the memo and is trying to collect. Each time XXXX these collection agencies buys defaulted loans there is a credit check and my credit scoring never seems to recover despite the fact that it has been almost six years since the original default occured.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Managing the loan or lease

Complaint: I have a car loan which I routinely pay on line. I paid XXXX payment on XXXX. A week or two later I received a late payment due from their collection dept. After a long conversation on the phone I finally convinced them that I was looking on the computer screen at my bank account and saw that they debited the money from my account on XXXX. They supposedly saw what happened and said they would take care of it. Twu weeks later I received another letter from the collection dept. with more late charges. I called again and they said be patient and it will be corrected. Three weeks later I received another letter from the collection dept. This is ridiculous that in this day and age they can not just bring up my account on the computer and fix the problem with one or two keystrokes. I am now concerned that this is going to affect my credit score as it is XXXX. I just want it fixed and a written letter from them stating that this will not avvect my credit score and to get rid of the late charges. I actually talked to a XXXX ( a supervisor ) but still a pronlem is there and not even an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: My checking account was overdrawn by about XXXX because paypal authorized some payments that they should n't have unless they did it rom their own bank. I contested the charges with the bank and they removed it then they closed my account with a balance of XXXX in fees for this XXXX contested charge.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax improperly stored my personally identifiable information and it was divulged in a security breach earlier this year. It will now be more difficult for creditors to positively identify me when I apply for credit for the rest of my life. This is entirely unacceptable and Equifax should be pursued to the fullest extent of the law. Equifax is currently only offering me help and restitution if I agree to waive my rights to legal arbitration, which is also unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America keeps calling me after i made the payments, asking when i will make the next month 's payment. The date for my check to be deposited is always on the XXXX of each month ; i can not make it before then. I have just paid Bank of America XXXX payments of {$520.00} in the amount of {$1000.00}. Bank of America is also reporting me late when i was making the trial payments last summer in 2015. And they are currently reporting me 30-59 days late.

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 07/14/2015 about Debt collection (I do not know) with Solidus Group LLC. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a call on XX/XX/2015 from a collection agent named XXXX XXXX XXXX stating that I owed them money or they were going to take me to court and have me served and arrested. I stated I wanted a validation of this debt and he stated that I would get it when I was served and to pay my debt. I again asked what this was in regards to and denied.

Company response to consumer: Closed
Consumer complaint received 12/19/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I 've sent a request to get validation on my current vehicle account and I 've never received a response. I 've had great payment history with this company since XX/XX/2013. They reported a XXXX day late payment and I 'm unaware of the late payment.

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 10/29/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: hello, XXXX 2016 Chase bank colluded with the State of LA to put a levy on my checking account, comprised entirely of social security. i 'm senior, retired, indigent, homeless. ca n't find legal assistance. both parties are now heaping on XXXX dollars of penalties and fees. i am judgement proof on many levels yet there 's no denying the predation. how can it be stopped?

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There are 2 public records from XXXX XXXX XXXX reporting to all 3 credit reports as paid. Under the new law as of XX/XX/XXXX paid judgements, tax liens and public records are to be removed. Docket # XXXX was paid in XX/XX/XXXX. Docket # XXXX was paid in XX/XX/XXXX. I disputed with XXXX and XXXX XXXX to update these items has paid. Please remove these public records from all 3 credit 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 non-monetary relief
Consumer complaint received 04/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had an account with XXXX phone service in which we did not receive signal on the phones. I ( and everyone on my plan ) complained to the company in store several times, as well as on their company phone number and were told they were working on the towers so it would be resolved soon. After a couple months with no resolution we asked them to close the account. In which case they sent us a bill for canceling the account and then some. I disputed the bill in writing several times and had yet to receive any response to the matter. Now I see that this is on my credit report and I wish to see an investigation into this as I do not feel I should have to pay for service that does not work nor pay to cancel such service. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with BROKER SOLUTIONS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was home when a mortage company calll me.and asked me about refinancial my home and I told him .not right now in a month of soon. new american funding mortage company. 
phone number XXXX his name is XXXX .HE TOLD ME NO PROBLEM.HE WAS CALL ME BACK NEXT .AND WHEN I CHECKED MY CREDIT SCORE HE HAD DID A HARD INQUIRY ON MY CREDIT. i GAVE HIM NO AURHTORIZED TO XXXX.THAT IS FRAUD.PLEASE HELP ME WITH THIS NEW AMERICAN XX/XX/XXXX XX/XX/XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX See something wrong? 
Find out how to dispute a hard inquiry

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has almost {$1700.00} on my account but has no idea what address ( es ) it came from nor can they give me a time period due to them " switching over '' to a new system. This issue has been going on for 5+ years and no one from the company has attempted to help me with the issue and it is messing up my credit because Solomon and Solomon ( collection agency ) is constantly reporting me to the credit bureaus. I 've only had an account with them for 3 months and those 3 months was paid off 3 years ago.

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 03/28/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loans ( Sallie Mae ) are reporting as charge-offs on my XXXX credit report. I applied for forbearance and was approved. I received an alert from XXXX and noticed my credit score was greatly impacted due to my student loans reporting incorrectly. I 'm confused because on credit bureau is reporting them as charge off, XXXX is reporting them as positive Installments, and XXXX has deleted them entirely. I 'm not certain which credit bureau is reporting correctly. I 'm not certain what to do at this time. Within the last year, I have been paying my bills in a timely manner. My credit score has decreased from a XXXX to a XXXX. Please help by forwarding my complaint to the correct party. The credit bureaus are reporting incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My report has a former address in XXXX, VA. I have never lived in Virginia anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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  XXXX   XXXX   2017 , I mailed a certifed return receipt letter to Equifax about a fraudulent collections account that was posted on my credit report by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IL  XXXX .   This is a fraudulent collections attempt by this company, yet Equifax sent me lette r (  Confirmation #  XXXX   )  dated  XXXX   XXXX   2017  that they verified this information.     My complaints is that Equifax NEVER performed any sort of through research or investigation into this fraudulent account yet they keep this negative account posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Payday loan, title loan, or personal loan (Installment loan) with Ad Astra Recovery Services Inc (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: The problem with the company is I have paid what they told me to pay at the beginning of the instalment loan. I have paid the amount they requested but they kept on withdrawing my bank account and added interest. After I spoke with several of the representatives and bot abke to resolve the issue they put a balance that should not have been there in the first place on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied for a VA home loan with XXXX XXXX back in XXXX and the loan fell through while in underwriting. I lost over {$1200.00} due to having to pay for the VA appraisal and XXXX different inspections on the home. I then applied for another VA home loan with XXXX XXXX in XX/XX/XXXX. I informed my loan officer who was XXXX XXXX of the my previous loan that had fallen through while in underwriting. I informed her I did not want the same thing to happen this time around. I told her the reason my loan had been denied ( residual income being too low due to number of dependents XXXX and she assured me this would not happen. I submitted my documents and she reviewed my credit and income as well as my tax statements. She then told me the loan would be approved and said that my residual income was sufficient because they were able to use more of my income than the previous mortgage company. I again informed her I was very hesitant to spend money on inspections because I wanted to be sure the loan would go through this time. XXXX again re-assured me several times telling me to go ahead and get the inspections going because she would send my loan to underwriting to get approval. She further stated the loan was a sure thing. After 3 weeks XXXX informed me that my residual income was too low and the loan was not going to be approved. I was very upset and asked her why she misled me and she stated she was sorry. I ended up spending {$410.00} on 2 inspections and the option fee. I feel like I was baited into taking this loan and feel like I was lied to. This is the 2nd time this has happened to me. Is there anyone holding these mortgage banks accountable? I asked XXXX XXXX for a refund which they scoffed at. I would like to file a complaint because I was misled only so they could get my business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Contacted Equifax to update my balance and credit limit increases for XXXX credit cards. They filed a dispute and ask for proof of billing statements. They asked me to fax them info of this. They completed the dispute and removed credit limit and placed my balance at XXXX. I have contacted both creditors who showed me proof they submitted this information. XXXX XXXX and XXXX happily and easily updated required information however, Equifax refuses to budge not matter what evidence I present to them. They were even able to view reports from other agencies and refused again to do anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting for XXXX on Equifax that I owe almost {$4000.00} to a company I never did business with. I 've even spoke with a representative from XXXX in the past who said the information did not match, but yet it remains. I 've never been called, never received any documentation, nor any showing my personal information even matched from XXXX. I 'm a single mother with a XXXX, who was diagnosed with one XXXX in XX/XX/XXXX and another in XX/XX/XXXX. I did n't even know what XXXX was until I called.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Because of economic reasons -- we have a lawn business that was hit hard when the housing crisis hit and folks were cutting back on services. As a result, we got behind on our payment. I have been trying for months to get a loan modification so we can get back on track and keep our home. Yet at every turn, Caliber Home Loans seems determined to take my house away. First they told me they would n't modify the loan because I could afford the monthly payments. Yeah. That 's what I was trying to get across to them. If they would just reinstate the loan, we could maintain the monthly payments. I also asked for a reduction in the interest rate of 7.999 % that we 've been paying since 2007, but no go. 
They set me up on a repayment plan that made the monthly payment more than our monthly income so I applied for another loan modification. With the sale date of XXXX XXXX approaching, I called on Monday, XXXX XXXX to check on the status. The Point of Contact called that department and they said to call back on Friday and they would hopefully tell me some good news. So I called on Friday and was told that because the loan modification request had been submitted within 2 weeks of the sale date, it was too late and gave me a month extension on the sale date. They could n't have told me this on Monday when I talked to them? Total deceit. They also neglected to tell me I needed to resubmit the loan modification and I have been waiting all this month to hear if they approved it when they have n't even been considering it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (I do not know) with Receivables Outsourcing, Inc. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Receivables Outsourcing LLC ( XXXX ) continues to call even after I have requested they not call several times. They leave a message on the answering machine for my deceased husband, saying if this is not he to hang up. An answering machine can not hang up. The message goes on to say that by remaining on the line, it acknowledges to be the person they are calling. Further the recorded message states this is a call from a debt collector. ( This makes the information available to anyone who might hear the message ). This continues to happen weekly even though I have called several times and asked them not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Other

Complaint: I was having financial difficulties and turned my credit cards over to a company called XXXX. They negotiated payment plans with my creditors. I completed the program and paid off my debts in full as of XXXX 2016. I am having trouble with American Express. While I was in the program they reported my payments to the credit bureaus as either on time or reported nothing. But when I paid if off in XXXX of 2016 they changed their reporting to the credit breaus to " XXXX Serious Delinquency Charge Off '' and listed the amount I paid off which was over {$12000.00} as the " charge off. '' All the other cards I paid off through the program report me as paid off and on time. But American Express makes it look like I defaulted. American Express uses a " customer service '' number of XXXX for help with credit reporting. They are no help. I 've discussed this situation with them 4 times. First time I spoke to them they tried to say there was a period of 6 months in which they received no payments so I provided them a copy of the letter from American Express that I completed the program and paid in full and documentation from XXXX regarding all the payments, amounts and dates showing it paid in full. The " customer service '' number appears to be an international call center. All they say is once a serious delinquency charge off is done they ca n't fix it. I sent them all the documentation and explained that it is a clerical error on their part, still they say that there 's nothing they can do. I 've asked to speak to a supervisor and they said one would call me back with in 48 hours but that was like a week ago and I 've yet to hear from anyone. If they 're not going to provide any customer service as this number they might as well just have a recording. I 've tried various other American Express numbers as well to see if I could find a person to help me fix this. But they all refer me to the same customer service number even when I explain to them that no customer service is taking place at this number. I have filed investigations with the documentation with all XXXX credit bureaus. But this is all very time consuming and I am trying to refinance my house and this is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: XXXX Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.

Company response to consumer: Closed with explanation