milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX/XXXX Called XXXX XXXX @ XXXX spoke with XXXX in the credit collections department. Confirmed payment in full of $ XXXX confirmation # XXXX. Advised that all 3 credit bureaus will delete account from credit report because account is paid in full. It is being reported on my credit report as closed with a {$0.00} balance and it should be deleted completely as per the company ( 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 07-08-2017 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: I called Equifax approximately 2 months ago and disputed an error on my report. Equifax said it would take 30 to 60 days to investigate. At the end of their investigation they determined that I did not owe the debt. They removed the debt from my report. Days later I checked my report and they added the debt back but under a different company 's name. <P/>The debt I am referencing has been submitted by the company " XXXX XXXX XXXX ''. The original debtor is listed at XXXX XXXX in the amount of XXXX. I never owed XXXX XXXX any money and I verified this with XXXX XXXX and included this information in my original complaint. I do now owe this debt and would like if it was removed permanently. They did not verify this debt. In fact they verified I did not owe it when I first disputed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Strategic Alliances, Inc. (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I receive calls as early as XXXX. and as many times as 3-4 times a day. I have also asked them on several occasions to please stop calling me so early and I was told that it is an automatic dialer that is calling but I informed them that it is still unacceptable and also that actual agents are calling me repeatedly and much too early as I work nights and it is against the law! I also have asked them many times what this is in regards to and if I wo n't verify my social security number and date of birth they sinply hang up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 'm Just trying to get Equifax to report my plus XXXX XXXX  account correctly. It shows as an open account, when in fact it should be closed. It was on my BK, and it shows as such, why would it be listed as open. Thank you very much for looking into this matter, I hope it gets corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for millions of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. 

Navient does not make the loans, but it holds lucrative contracts to collect payments each month on behalf of banks, government and other lenders. 

From XX/XX/XXXX to XX/XX/XXXX, CFPB estimates that Navient 's practices cost borrowers up to {$4.00} XXXX in extra interest by repeatedly enrolling borrowers in forbearance. CFPB also found that many federal student loan borrowers were unaware that the government could pay part of the interest charges on their loans when personal circumstances prevent borrowers from keeping up.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX collection company says that I owe them a balance of {$440.00} from the original lender XXXX XXXX XXXX XXXX XXXX XXXX I had no idea what kind of Card I was aplying for, I thought it was a Gift Card I signed up for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Confusing or missing disclosures

Complaint: XXXX XXXX, XXXX Fifth Third Bank and Banker XXXX XXXX at the XXXX Bank, XXXX, IL Previously known as Legacy No. XXXX and cfpb XXXX. XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX with the Office of the President, XXXX XXXX Operations Center, XXXX XXXX XXXX, MD XXXX, XXXX, OH XXXX - not honest services.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX   XXXX   tr  ansferred the loan to  XXXX   XXXX  when it was in consolidation and in forbearance.  XXXX  then worked with me putting them in Forbearance until they transferred the loans to  XXXX  where the loans are in good standing and in deferred status while I am pursuing a  XXXX   XXXX   XXXX  . All   XXXX   bureaus as showing the original s  XXXX    XXXX   XXXX   XXXX   ac  c ount as Closed.  XXXX  is reporting the same accounts as Closed with different account numbers and with delinquent payments.  XXXX  shows yet again different numbers but they are in good standing.  XXXX ,  XXXX , and Experian are all doing the same. I have requested that these be investigated for years and the response is always the same. That the information is correct upon their investigation.

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 01-02-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I called XXXX XXXX on XXXX XXXX, XXXXto get clarification about why my number of payments toward forgiveness was inaccurate ( it is about 6 payments short of the correct number ). The representative stated that  the payments I made through my previous servicer had not been transferred over. She stated that she would put in a ticket to have this issue resolved, and that it would be corrected in 30-60 days. 60 days later ( XXXX XXXX, XXXX ), I checked my account and the issue was still not corrected. I spoke with another representative, who stated that it could take up to 90 days and that I should call back in 2 weeks and request it be expedited if it is still not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay your loan

Complaint: I opened this loan in XX/XX/XXXX to help manage an issue that came up it property taxes and to help manage some other debt. In XX/XX/XXXX I came into some serious financial issues with repaying the loan and I wasn't about to come to a resolution with the bank.

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 08/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Privacy

Complaint: I received a form letter from Bank of America at the end of XXXX, XXXX demanding for an information profile update. The letter and forms are attached. I called BOA immediately and was informed that if I did n't comply it would interrupt my services. I stated the only reason I have this credit card ( which I have had since XXXX ) was for charging items, etc. and did n't use any other BOA services. And that I paid my charges in full every month. 
Today, XXXX XXXX, I tried to use the card and it was denied. When I called BOA to ask why, they informed me that the XXXX required me to furnish BOA with a physical address at which I receive no mail. When I looked at the XXXX XXXX of XXXX it stated this information was required for new accounts. And that some banks would sell this personal information. I went to my own bank and they said they had never heard of asking a long time customer for this type of information. To me this is an invasion of my privacy.

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 04/25/2015 about Student loan (Non-federal student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Since XX/XX/XXXX monthly loan payments are not being correctly applied to the proper loan accounts. Service company has been contacted numerous times by both phone and mail without success. Incorrect credit reporting has resulted in denial of credit several times. 

A complaint was filed in XX/XX/XXXX ( XXXX ) and subsequent payments have been mailed to the special handling address provided by the service company. 

However, no change has resulted from using the special handling address, and the mis-application of payments and incorrect credit reporting has continued.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Other debt) with Genesis Credit Management, LLC (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: X/X/14 is not the exact date of the event and disrespect but it was done within in the year of 2014. One of the companies is called XXXX XXXX XXXX based out in XXXX county, Wa. The amount that I allegedly owe is {$660.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Focus Management is attempting to collect a debt for XXXX that I do not owe. XXXX never provided the service. I have a gated yard and XXXX did not have access to provide the service they are attempting to charge for. I verified this three times with calls to XXXX. When I received a notice requesting validation from Focus Management I informed them the account was not valid and that XXXX agreed and instructed them I was in dispute and NOT TO REPORT THIS as they had not validated the debt they still reported the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Mortgage (VA mortgage) with Southwest Business Corporation (TX).
Issue: Struggling to pay mortgage

Complaint: RE : URGENT ATTENTION FORMAL COMPLAINT AGAINST SWBC, SPECIFICALLY LOSS MITIGATION FALSE STATEMENTS AND WILLFULL DENIAL OF PREVIOUS CLAIMED RECEIVED DOCUMENTS TAKING EXPEDIENT ACTIONS TO FORECLOSE ON MY HOME QUALIFIED WRITTEN REQUEST, ERRORS NOTIFICATION AND REQUESTING PULL ALL CALLS ( CALLS ARE RECORDED FOR QUALITY ASSURANCE ) MADE BY BORROWER TO SWBC TO VERIFY CLAIMS NOTED IN THIS FORMAL COMPLAINT To All Parties Listed Above : I am  submitting this formal complaint after receiving the devastating news today from SWBC Loss Mitigation, that my Loss Mitigation file was closed on XX/XX/2018 and my home is in Active Foreclosure Status with a law firm to sell me home, based on the blatantly false statements that I did not respond to their written communication and that I did not submit requested additional documents. I received a Letter that is attached that falsely has written that two letters were written to me, the dates of the letters are not provided in the letter, and that I did not submit the additional documents, and therefore SWBC would be unable to complete my application and evaluate it for any HomeOwners Assistance Programs. 
I HAVE MADE IT ABUNDANTLY CLEAR BOTH VERBALLY AND IN WRITING THAT MY INTENT, GOAL AND EXPECTED RESULT IS TO KEEP MY HOME VIA A LOAN MODIFICATION APPROVAL FROM SWBC MORTGAGE. I AM A VETERAN AND I WORKED HARD ALL OF MY LIFE TO OBTAIN THE AMERICAN DREAM, AND A MEDICAL EMERGENCY CAUSED MY HARDSHIP AND SWBC 'S ACTIONS ARE CAUSING BARELY HEALED HEALTH ISSUES TO NOW CAUSE ME MORE PROBLEMS!!!

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 09-08-2016 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Application, originator, mortgage broker

Complaint: Denial for Gap in Employment ( Husband ) no letter from Navy Federal Credit Union ; Navy put us in for the wrong Mortgage Loan put The XXXX in for First Time Home buyers ; Misled closing Attorney by sending documents for them to close on Loan : We determine we was put in for the wrong type Loan, Navy put us in for a First Time Home Buyers and I ask that question back in XXXX 2016 who decided that type of loan, this correspondence was sent via Navy message but never got corrected by Loan Officer ( XXXX XXXX ). XXXX sent an email saying approve to move to processor and she ( XXXX ) will be get in touch to prepare the XXXX for closing. The closing Attorney said the file was given to him a week before the closing date XXXX XXXX, 2016 so he can prepare for closing. I phone and XXXX told me XXXX said was not going to make closing, why was n't we notified about closing. Navy never told us to extend closing and now all involve was misled about closing on my future home. the final, the XXXX call XXXX Monday XXXX XXXX, 2016 later that day and she told us we was denied because of my husband GAP in Employment. We do n't believe XXXX XXXX followed the attached email from XXXX HR contact XXXX XXXX XXXX to verify his employment, the email is attached and why was n't the employment verification done weeks in advance and then we was told the Loan was Denied wholly off XXXX gap in employment by XXXX over the phone the same day she contacted his employer?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint against Champion Mortgage concerns questionable business practices when a reverse mortgage becomes due, and seeks answers from their upper management. 

My Mother had a Reverse Mortgage with Champion Mortgage. When she passed away on XXXX/XXXX/16, she owed Champion about {$120000.00}. With her house at XXXX XXXX XXXX XXXX, XXXX, CT XXXX valued at about {$270000.00}, our plan was to sell it and pay off the mortgage. 
After the funeral and spending some time organizing myself to deal with my Mother 's estate, I contacted Champion Mortgage on XXXX/XXXX/16. I was told that by XXXX/XXXX/16 I needed to provide the following : Copy of the Death Certificate Copy of the Will Letter of Intent to Sell the House Listing Agreement with Real Estate Company/XXXX. 
On XXXX/XXXX/16 I mailed the first XXXX documents to Champion, and stated in the Letter of Intent " We are working with XXXX XXXX of XXXX XXXX XXXX XXXX to get the house listed as soon as practical ''. On XXXX/XXXX/16 I contacted Champion again after having signed the Listing Agreement ( document # XXXX ), and our real estate agent XXXX XXXX sent it to them as an e-mail attachment later that day. 

Within a few weeks we were fortunate to receive and accept an offer for the house for {$270000.00} with a closing date of XXXX/XXXX/16. Much to my surprise, I received a letter from Champion Mortgage dated XXXX/XXXX/16 stating " your loan was referred for foreclosure processing today ''. I e-mailed Champion on XXXX/XXXX/16 asking what the heck was going on, provided them with the sale and closing date information, and stated emphatically that I wanted to hear back from them. I received no reply ; they seem to deal only in form letters. 

On XXXX/XXXX/16, with the closing date of XXXX/XXXX/16 imminent, Champion included a charge of {$3000.00} for " Attorney Fees and Cost '' in the Loan Payoff document they submitted to our attorney. I spent the entire afternoon of XXXX/XXXX/16 going back and forth via e-mail and phone with our attorney, our real estate agent, and Champion. Champion claimed that they had not received the Listing Agreement, and therefore were entitled to {$3000.00} as the cost of initiating foreclosure. To make a long story short, it was proven to Champion that they had in fact received the Listing Agreement on XXXX/XXXX/16, and the {$3000.00} charge was dropped. 

Various business practices that were followed by Champion on this reverse mortgage once my Mother passed away were very troubling to our family. Perhaps their very aggressive approach has become an accepted way of doing business, but to me they lacked both the professionalism and decency that I would expect from any bank or mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Williams & Fudge, Inc (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Last year I made an agreement with XXXX University and their debt collector to rehabilitate a student loan. I have adhered to all parts of the agreement. Yet this is still showing up on my credit report negatively and in collections. This is unfair and is affecting my life adversely

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Experian by certified letter, telephone, and online requesting the agency correct my information to reflect accuracy in accordance with the FCRA. To date, 31 days later, my report remains the same as when I originally filed my complaint. Experian has sent communication indicating my credit file is accurate and I must contact creditors who made hard inquiries to challenge authorization/validation. I never made these inquiries. Why would it be my responsibility to contact someone I have n't done business with, have n't requested credit from, have n't provided my personal information, or authorized their inquiry? Under the FCRA, I believe Experian has violated my rights as a consumer and is abusing their role with inaccurate reporting.

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 08/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: not complaining about capital one. need individual attention. i have decided to get back and want returned XXXX from XXXX on my card ending in XXXX i have explained that this merchant was not at all customer friendly and since i disputed the first XXXX on XXXX i have had dealings not fruitful. my daiughter CRied every day at camp with no one telling me or telling me when i called to ask how she was. With the merchants attitude blaming me for my daughter not enjoying camp i seek the XXXX returned please this was NOT somthing i was aware of in terms of his attitude when i filed on XXXX for the dispute i am a good customer here. please help

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are numerous inquires that were not done by me. I submitted the documentation as asked by the credit bureau and they refuse to delete 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 10-05-2016 about Payday loan () with CNG FINANCIAL CORPORATION (CA).
Issue: Can't stop charges to bank account

Complaint: XXXX, CA. I was contact on my phone with a basic threat about a payday loan stating that I had been officially notified. This call was from a woman, not XXXX XXXX. I then call the number to XXXX ( That is what he said the name of company was ) and spoke to a man named XXXX XXXX. His phone number is XXXX. He told me I owed a payday loan and said the amount owed is {$510.00}. He gave me a case number. On XX/XX/2016 they debited my account for {$85.00}. On XX/XX/2016 they tried to debit another {$85.00}. I then received a call from XXXX XXXX stating the charge was refused by my bank. He told me to call my bank to see what the problem was. When I contacted the bank they stated they do not debt any thing over {$50.00} to the state of New York because of all of the fraudulent things coming from there. When I returned XXXX XXXX call and told him what my bank stated he ten said " Well we will take out {$45.00} today XX/XX/2016 and {$40.00} on XX/XX/2016 ''. This makes 2 payments of {$85.00} that they have received. This leaves 4 more payments of XXXX which they will break down in 2 payments each. The thing that raised a red flag with me is that XXXX XXXX is in XXXX but their payment department is in XXXX. The fact that XXXX XXXX actually answers his own phone and does not go through a secretary, with this suppose to be a Law firm seems rather fishy to me. Please help me resolve this. Thank you. XX/XX/2016

Company response to consumer: Closed with explanation