milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX haven't been updating my information ( Credit Score ) since XX/XX/2014.

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 07/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient continues to contact my co-signer and me several times per day at least 2 - 3 times a week. I have reported them to the XXXX as well as asked them to stop calling so often. They will even call from different numbers starting as early as XXXX. and " ending '' ( if you will ) as late as XXXX. I know that I 've been late but it appears that very often the late charges increase the pay-off so it 's difficult to get ahead. However, the harassment and constant phone calls must stop.

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. (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: Equifax has done zero investigations on my credit file ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax Escalation Department XXXX XXXX XXXX XXXX GA XXXX XXXX/XXXX/XXXX RE :  Confirmation # XXXX To Equifax Escalation Department : I have contacted the following company / companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding this / these item / items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact this / these furnisher / furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following item / items can not be verified, please delete it / them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( see enclosed XXXX report ) XXXX XXXX XXXX ( see enclosed XXXX  report ) XXXX XXXX PUBLIC FILINGS XXXX ( this item has no information pertaining to me ) COLLECTIONS NO COLLECTOR NAME XXXX {$400.00} ( see enclosed XXXX  report ) How is Equifax able to verify these items when other agencies can not?
621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Please send a complete updated copy of the credit report. 

The clients contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX CC : FTC ( Electronic complaint )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX, 2017 my home was impacted by Hurricane XXXX and the days following the hurricane I had a loss of income because of no work and I had spent a substantial amount of money preparing for the hurricane. I had exhausted all my money because of the hurricane and just needed some time to recover financially from the disaster. 

The week after the hurricane I contacted my mortgage servicer to receive a temporary mortgage forbearance. I made calls to my mortgage servicer continuously and my request was denied because according to their record I had an open bankruptcy case, which is not accurate because I had already received a discharge several months prior to the hurricane. 

I had my lawyer contact my mortgage servicer to speak with the servicers legal counsel and after several repeated attempts in contacting the mortgage servicer my lawyer was not successful in reaching the correct person or department, every call was routed then re-routed back and forth and nothing was done ... 

Then I personally continued to contact my servicer and my request were denied. The owner/investor of the subject mortgage is XXXX XXXX. I contacted XXXX XXXX and according to XXXX I was supposed to receive the forbearance. 

I have exhausted all my options in trying and do not know how to proceed. My home was in FEMA 's presidentially declared disaster area, specifically XXXX and my mortgage servicer has not cooperated with any type of assistance. I am in fear of the increased fees for non-payment and being foreclosed on.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
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. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My XXXX Acct and personal loan is showing as late, when I have always paid on time with all of my acct. And it was never late. I have tried in good faith to work with XXXX XXXX XXXX credit union and also the credit bureaus to correct this, as this false information is hurting my ability to some day seek a mortage

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: they want let me sign in

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Unfortunately, my vocation in life did not come with strong financial guarantees. I work for a XXXX XXXX as a XXXX XXXXXXXX for XXXX XXXX XXXX XXXX. While being mom to my work kids, I am also a single mother of XXXX. I am grateful for the education I received and work that I do but I have always struggled with my student loans. This has led to default, and recovery, and default again. Every time I get into a decent situation like a low repayment rehabilitation agreement, the regular payments that follow become too much. Finally, I found my way to income driven repayment plans and public service loan forgiveness. This looked like it would lead to a reasonable future where I could handle this burden only to find out that the window to that future closed on XX/XX/XXXX. Back in XX/XX/XXXX I had begun researching these options and had put in a request for my loans to go on hold while I applied for consolidation. However, I had been in so many plans that turned out poorly, I had wanted to consult with a professional beforehand to make sure the option I had chosen would not come with dire financial consequences down the road. At this time I was informed that my loans were defaulted, that I would not be able to consolidate, and I could not even get into a rehabilitation agreement if I wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Consumer Loan (Vehicle loan) with KEYCORP (NY).
Issue: Managing the loan or lease

Complaint: I had an auto loan with First Niagara who was bought by KeyBank. The merger happened XX/XX/2016. I paid my XX/XX/2016 auto payment electronically - which I have proof of from my financial institution ( it was paid via Bill Payment electronically ). I received a past due notice on XX/XX/2016. I called the number on the past due notice on XX/XX/2016 and questioned it. I was informed they did not receive my payment. They were going to submit a research request, which I was told would take 10 days. They were to call me with the outcome. I did not hear from them so I called again on XX/XX/2016. They still had not found my payment. I told them it was done electronically and I would provide proof of payment from my financial institution. I faxed over the proof of payment on XX/XX/2016 to the phone number they provided me. Each time I call it takes me at least 25 minutes on hold to get to someone in the loan department. I still do not hear anything. On XX/XX/2016 I receive another past due notice. PLEASE NOTE - I made my XX/XX/2016 payment with no problem ( so I am continuing to pay because that is what a responsible individual does - pays their bills on time ). I call again and go through the story again. This time they tell me they are going to expedite the research and it should only take 3 days. I confirmed the fax number again and faxed the information again. Now the fax has XXXX Service Request numbers! I still have not heard a word from the Loan Department at KeyBank HOWEVER -- I have had not one but two collection calls. I have explained my situation as nice as I can but I ask them " Did you even read the notes on my account? That I am having an issue and it is being researched? '' They could care less. In a nutshell I have done everything I can to help KeyBank find my lost electronic loan payment. They have not called me or made any acknowledgment that I have contacted them multiple times about this issue. They have done NOTHING TO HELP ME except for have collectors call me! I am very concern this is going to hurt my credit score but all they say is " we can waive the late fee ''. I ask you -- How is that going to help me when they report me more than 30 days late on a loan?. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Advertising and marketing

Complaint: Like many USAA members, last fall I received an email offering a {$200.00} statement credit if I would open a new USAA MasterCard account before XXXX XXXX, 2015 and make XXXX purchases by XXXX XXXX, XXXX. My credit rating is well over XXXX, and I get lots of credit offers, which I usually ignore. This XXXX got my attention since it was a decent bonus, and was sponsored by, and came from, USAA. While I certainly did n't need another card, I took the bait and applied. I met ALL of the requirements in a timely manner, but after many months my {$200.00} credit never showed up. 

After XXXX unproductive, yet lengthy, phone calls to USAA, I finally received a call today explaining that the card I applied for ( by clicking on the button in the email!! ) was not the 'correct ' card to get the promo credit. Apparently I was issued a " Cash Back '' card, not a " Reward Points '' credit card. 

I have printouts of the offer email, and the fine print, and the screens used to apply for the card. I have supplied these to USAA via email. The card I have in my hand looks just like the XXXX in the offer email. If I did not apply for the 'correct ' card, it is because USAA 's online system took me to the wrong place to apply. 

There is no dispute at all by USAA that I met all of the requirements to 'earn ' the {$200.00} credit ... .simply that I was n't issued the 'correct card. ' This is USAA 's mistake, not mine .... 
The young man on the phone today played the 'there is no one else to escalate your issue to ' game when I told him his 'final resolution ' was ridiculous. That in and of itself is completely unacceptable and well beneath the dignity of the USAA organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OK).
Issue: Application, originator, mortgage broker

Complaint: VA assumable mortgage. Deceased veteran ; surviving elderly spouse with only XXXX income ; out of money and ca n't make payments. Mortgage was current at time of contract. Property under contract with good buyer who requested assumption packet from mortgage company, XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2015. Received assumption packet XXXX XXXX, 2015 and returned completed packet next day. After taking about 4 weeks to review the completed assumption packet and stating that it looked complete and good, XXXX sold the mortgage on XXXX XXXX, 2015 to Carrington Mortgage. XXXX transferred assumption packet to Carrington Mortgage on XXXX XXXX, 2015, but Carrington Mortgage refused to look at the packet or initiate a new assumption packet stating, " We do n't do assumptions. '' It 's a VA assumable mortgage. Veteran 's widow called XXXX VA office to complain. Carrington finally issues an assumption packet 2-1/2 months later. Widow would have been able to pay back payments and selling fees from the sale proceeds if XXXX had processed the assumption as they stated they would do or if Carrington Mortgage had not blatantly declined to cooperate in the loan assumption process. XXXX and Carrington Mortgage delays have caused great financial loss for this widow - unnecessary financial loss. I am a XXXX filing this complaint on behalf of the veteran 's widow who seeks to have XXXX and/or Carrington Mortgage pay the XXXX or XXXX ( it 's not done yet XXXX payments that were caused by their delay. Someone from a property management company has posted an inspection page on the kitchen counter so it looks as though instead of processing the requested VA assumption, the mortgage company chose to take action to initiate foreclosure. Please note, that at the time this property went under contract, the payments were current. This veteran 's widow has been wronged. Written by a XXXX with XXXX years of active business. I know it takes some time to process an assumption, but if XXXX had plans to sell the mortgage, they should not have told us that they were only 2 days from approving the VA assumption. Carrington Mortgage certainly should not have declined to issue an assumption packet or to review the completed assumption packet sent to them by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Employment data is missing from my Trans Union credit report. I want the following information added immediately to my credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}

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 02/26/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WA).
Issue: Managing the loan or lease

Complaint: my co-signer and I had a loan through Santander consumer usa for over two years and kept our end of the contract and paid every month on time. they reported the payments to the credit bureaus. Then I went bankrupt for medical reasons but continued to pay the car loan on time and signed a reaffirmation agreement. they took the entire loan off my co-signer and my credit report and stole any credit i have earned. My car got financially totaled and my car was paid in full after the reaffimation court date. santander refuses to put any of my good work on the credit report. I more than kept up with my end of the deal and they worked hard to not do part of there side of the deal. I have proof and paperwork but no way to upload it onto my computer just ask and I will send them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Through my XXXX XXXX Credit card, I have access to credit tracking using TransUnion credit information. Recently, TransUnion moved from TransUnion New Account Model where my credit score was around XXXX ( XXXX ) to XXXX XXXX where my score dropped to XXXX ( XXXX ). The new model shows excellent for on time payments ( a strong impact on your credit score ), excellent on oldest credit line, average on credit used, average on New Accounts, XXXX on Available Credit, and XXXX XXXX on recent inquiries which has a low impact on a credit score. I can not figure out how I can have a below average score with average to excellent scores on XXXX factors and XXXX below average on a factor that has low impact on a credit score. 
I contacted TransUnion for clarification and was told 'the computer calculates the score ' so there is nothing that can be done. i tried to explain the computer can only do this, if there is a human creating the parameters for the computer to make the calculations. The computer can not make decisions on its own but must be told how to make the calculations. I asked for a manager to call me back so I could discuss this. After a week of waiting for a call, no one has called me back. This type of error costs the consumers a lot of money from increased interest and or points on loans. In addition this XXXX XXXX product is pushing the consumer to pay for a credit monitoring service. If the credit scores were calculated appropriately many people would not need credit monitoring services. 
I need someone to look into this credit score calculation. Without regulation, these services have become very lucrative businesses

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 05/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Chase Bank has not moved forward with foreclosure, which they supposedly were doing according to response on first complaint case # XXXX. This property at XXXX XXXX XXXX XXXX ca has been a financial drain with code enforcement fees and vandalism. It has been vacant for several years now. Please help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (RI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have both federal and private student loans -- all handled by Navient. When I pay my federal loans, I often make an overpayment for one of the loans online. When you overpay on a federal loan, the computer system asks how you would prefer the extra payment ( if it 's greater than 100 % of the amount due, i.e. if the payment is {$25.00} and you make a {$26.00} payment ). You can either 1 ) extend the due date of the loan or 2 ) make your next payment on time, which means the overpayment is applied to the principal of the loan. This is a great way for people to tackle their loans and decrease the life of the loan overall. When overpaying a private loan, you CAN choose to have the payment applied to the principal by NOT extending the due date, though you have to send in a physical check with a piece of paper detailing how you would like the payment applied. When you attempt to overpay your private loans online, the system ONLY gives you the option of extending the due date, meaning that the additional payment is applied to the bundled interest-principal payment. Not allowing borrowers to apply overpayments towards the principal line ( like one can when overpaying on federal loans ) makes it more difficult for borrowers to more quickly pay off their loans - extending the life of the loan and the amount of interest that borrow is playing.
Navient should allow borrowers to make overpayments for their private loans and apply those overpayments to the principal by not extending the due date of their payment.
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received letters, XXXX XXXX XXXX XXXX dated XXXX/XXXX/17 and XXXX XXXX dated XXXX/XXXX/17 ), from two furnishers on my consumer report stating they did not service the accounts. XXXX and XXXX deleted both, however, Equifax refuses to delete. I submitted the letters to Equifax and ask them to delete the accounts off of my consumer report and they are still refusing to do so even after I sent them copies of the letters from each furnisher. I called and spoke with an agent that stated they had completed the dispute and that they did not have anything from the two furnishers stating that they no longer had the accounts. The letters from both furnishers are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax and XXXX refuse to remove invalid accounts off my report have called, written and fax in request and proof that the accounts do not belong to me I ve filed police report and submit ID That affavaid and they still refuse after 4 years to remove accounts that do not belong to me the accounts needing to be removed are 2 XXXX  XXXX XXXX ( no monies owed, invalid amount and account status reporting and volition of new public law that went into effect XXXX of 2017 ) XXXX XXXX these 3 items need to be removed and blocked from future reporting.

Company response to consumer: Closed with non-monetary relief