milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2016 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Of the XXXX credit bureaus, only Equifax had a name associated on my account that was not mine, nor was it even remotely similar to mine. In fact, it was a man 's name, and I am female, and again, it was not similar in any way to mine. I went online to Equifax and followed the prompts to request this be corrected. I received email after email ( I have a print screen shot of the automated response from Equifax ) from Equifax stating my online dispute is now available for me to confirm the status. Yet, each time, I 'd get another screen stating there are no disputes on my credit file. I decided to contact Equifax and speak with a person on XXXX XXXX, 2016 at XXXX XXXX. The gentleman I spoke to was foreign, and difficult to understand, he continued to go around and around without ever answering my question about why the email Equifax keeps sending me does n't produce a status. He informed me the name associated to my account has been removed. I continued to ask why I am unable to view this for myself on the emails Equifax sends, and again, he said he did n't know. I asked to speak to his Supervisor, this was a gentleman named XXXX out of the XXXX GA office. He too was very difficult to understand as he had a thick XXXX accent and he would not provide me any other identifying information. I asked him if he is the only XXXX in Equifax 's XXXX office and he said yes. He was rude, agitated and refused to explain why Equifax is sending me emails that wo n't provide information. In the end, he said he would snail mail my corrected Credit Report. This was XXXX am on Friday, XXXX XXXX, 2016. I have yet to receive my credit report and today is Monday, XXXX XXXX, 2016. 
I am appalled that credit bureaus have so much control over my personal data, and continue to create mistakes, and the fact that businesses rely on these credit bureaus is haunting. I need my corrected credit report from Equifax. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Deposits and withdrawals

Complaint: I submitted a bill pay on Navy Federal were they mail the updated the account for with confirmation number and paid XXXX call me stating that did not pay the check then I did the up the system that it was paid and did not pay it. Did they update their banking system with fraud and misleading information and then want to hold the member responsible for the misconduct Navy Federal Credit Union need to be investigated and all misconduct and management done staff or management should be convict according to United States Federal Regulations

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've disputed these public records multiple times and provided the proof that they are reporting these XXXX accounts inaccurately and they fail to remove them or correct them, which is in violation ofthe FCRA. XXXX removed both of them because they could not verify them, as they did not have first hand knowledge, and no proof that these accounts were reporting correctly and Equifax repeatedly comes back saying they are verified. Both have been released or satisfied and yet they are still reporting a balance and dates that do not exist! These XXXX must be removed immediately. 

XXXX XXXX XXXX - XXXX - # 1 Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this to report on my credit file and you must remove it. 
# 2 You are reporting the date " XX/XX/XXXX '' which is XX/XX/XXXX years ago, making this account inaccurate, incomplete and obsolete. 
# 3 You have not legally verified this account, as legal verification means that you have firsthand knowledge of this account, which you do not. 
# 4 this judgment was satisfied and yet you are reporting a balance # 5 you have not provided the documentation used to verify this account, therefore, because of reasons # XXXX, this must be removed immediately! 
XXXX - # 1 Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this to report on my credit file and you must remove it. 
# 2 You are reporting the date " XX/XX/XXXX '' which is XX/XX/XXXX years ago, making this account inaccurate, incomplete and obsolete. 
# 3 You have not legally verified this account, as legal verification means that you have firsthand knowledge of this account, which you do not. 
# 4 this judgment was satisfied and yet you are reporting a balance # 5 you have not provided the documentation used to verify this account, therefore, because of reasons # XXXX, this must be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We are having trouble with BOA for the pass 6 years since thedeath of our father. We inherit this property from our dad. The property was delinquent. I am one of the co administration of the will, when ever I call BOA I have a hard time to get in touch, they keep on saying that i am not on the account and they can not speak to me. For example today me and a counselor from XXXX XXXX it took them 30 mins before they we got verification that they have the information. We call back in about an hour and the process repeats it self. The reason why I am reaching out to BOA is the fact that we are going through foreclosure and we are trying to see if we can applied for a loan modification. They refuse to work with us.

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 12/19/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: My husband and I have a mortgage with XXXX XXXX XXXX and we applied for a loan modification in XX/XX/XXXX and we have a signed contract stating that our loan modification has been accepted. The next month in XX/XX/XXXX XXXX XXXX XXXX sold the loan to a company called XXXX. In XX/XX/XXXX we sent in the new payment of {$1900.00} and Shellpoint accepted and cashed it. We sent in XX/XX/XXXX Payment of {$1900.00} to Shell Point and they accepted that payment as well. Then, we sent in XX/XX/XXXX payment but they returned the it and stated that we were not paying the right amount. We sent in XX/XX/XXXX payment and they also return to that to us and said we were n't paying the correct amount.

We have not paid the mortgage payment sinceXX/XX/XXXX because they keep returning the payment. Now Shellpoint is stating that they are not accepting the modification and they are looking to foreclose on our home. We have tried contacting the president of the company and we have tried getting him to accept our payment, but they will not accept our payments which has lead us to believe that they are trying to get us to foreclose on our home. 

We have told them that we would catch up on all payments if they would just remove the damage from my credit report. They have been reporting inaccurate negative information to our credit report and now even though we want to sell our home to a new mortgage company, no one will give us a new mortgage because of what Shellpoint has reported to credit bureaus. 

My husband and I completely are at a loss and feel like we are about to lose our home because Shellpoint company not willing to accept our payments or call us back after numerous attempts to talk to them. XXXX XXXX is the supervisor and she keeps putting us off and will not call us. We are completely stressed by the situation and have the money to pay our mortgage but they will not contact us back and we do n't know what to do. We have a new house that we want to buy in New York but the new mortgage company will not give us a mortgage because of the current situation. Although we explain to them that the company wo n't accept our payments they do not care. We have even contacted and attorney but they all want XXXX plus to help us. I will include all the contracts and documents and bank statements proving our payments and that Shellpoint is completely reckless and negligent in what they 're stating and reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX I paid off my mortgage. I am in the process of refinancing and the loan # XXXX is still showing up on my credit report. On XXXX/XXXX/16 I sent an email to Freedom Mortgage to get this resolved ASAP. I can not get any resolution to this, I called today and they sent me a copy of the goodbye letter that it was transferred to XXXX. I specifically asked for a letter or statement showing that this is a zero balance. No on is assisting me, nor have I received anything that they are working on this issue. I checked online and my loan is still showing active.

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 XXXX XXXX XXXX # XXXX XXXX, Pa XXXX Date XX/XX/18 RE : XXXX XXXX, XXXX Acct # XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ga 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 non-monetary relief
Consumer complaint received 10/25/2015 about Credit card () with U.S. BANCORP (GA).
Issue: Advertising and marketing

Complaint: Dear Sir or Madam, In early XXXX this year, I applied for the US Bank XXXX XXXX credit card. I thought that the package offered by this credit card was attractive and decided that it was worth both a hard credit pull on my credit history and the {$75.00} annual fee that comes with the XXXX XXXX XXXX XXXX XXXX XXXX Card. 

Fast forward two months, the main perk of this card is cancelled : " Enjoy Bonus Award Nights when you redeem your Gold Points for Award Stays ''. I recently tried to book an award using the " Bonus Award Night '' which enabled me to have a second night for free on a two-night-or-longer stay and indeed realized it was no longer offered. This was a tremendous option as I could get up to XXXX nights per year free at more than XXXX XXXX XXXX hotels worldwide. Upon investigation, I see that it was discontinued in early XXXX. This is a mere two months after I applied for the credit card. I thought regulations prevented credit card companies from unilaterally changing the terms of the contract during the first year the account is opened. 

In any case, when I applied for the card, it was stated unequivocally that I would " enjoy all this after paying {$75.00} annual fee ''. I lived up to my part of the contract and paid the fees. However, I never received the benefit because US Bank decided to cancel those. 
As a result, I am writing to get compensation for this. I suffered a hard credit pull that will stay with my credit history for two years. I paid the annual fee that promised bonus night. But I will never be able to enjoy what I paid for. 

In addition, US Bank changed the term of the contract a mere eight weeks after I applied, implying that they knew about the impending change long before I applied but were still happy to collect the annual fee money without telling prospective customer. I think this behavior is unethical. 

My regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Debt collection (Medical debt) with Credit Bureau of Carbon County (WY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: When Collection Center Inc. was trying to collect this debt for   XXXX   XXXX   XXXX   bills. They called me in  XXXX  of 2017 and asked me where best to serve me. I told them I lived at   XXXX   XXXX   XXXX   XXXX     XXXX , Wyoming  XXXX  but I would be moving shortly after graduation. I moved out of my residence on  XXXX   XXXX  2017. They served papers to my former roommate   XXXX   XXXX   on  XXXX   XXXX  2017. He did not inform nor was he required to. I would not be made aware of this until I received a forwarded letter from   XXXX   XXXX   XXXX  , Circuit Court saying that Collection Center Inc. had won a judgement against me because I failed to appear. I was n't afforded my right to defend myself because I was n't served papers in the county where I resided. This is a illegal judgement because federal law requires that they inform me they are attempting to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Managing the loan or lease

Complaint: Was not able to make a payment due to being out of town. Company calls my employer multiple times a day. Somehow the company acquired my boss 's personal cell phone number and contacted him to intimidate me into paying off my loan.

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 10/21/2017 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (MA).
Issue: Trouble during payment process

Complaint: My husband and I have been Stearns customers since XXXX of XXXX, shortly after we purchased our new home. Between the end of XXXX and the end of XXXX, our mortgage was sold from Stearns Lending to another company, and then repurchased by Stearns, which seems to be when this issue first arose. When our mortgage was reacquired by Stearns, they somehow miscalculated our PMI ( the value of which, {$190.00}, has not changed since we purchased our house in XXXX of XXXX ) as {$16.00}, despite taking out the full {$190.00} from our escrow account each month. This obviously created an escrow shortage, and by XXXX of XXXX that shortage amounted to {$1900.00}, which was then split up and added to all of XXXX 's payments, beginning in XXXX of XXXX. In XXXX of XXXX, our full mortgage payment was {$1300.00}, and in XXXX our full mortgage payment increased by over 23 % to {$1600.00}. 

In XXXX of XXXX we requested an escrow analysis, at the urging of an employee at Stearns, who assured us that the PMI mistake was fully on Stearns shoulders, and she would look into the issue for us after an escrow analysis was completed. After the escrow analysis was complete, our payment went down by about {$30.00}, but we never heard back about the cause of the escrow shortage, nor did we hear back about Stearns ' mistake in calculating our monthly payment for all of XXXX. I 've spent hours on the phone trying to contact their customer service department, which is not easy to get a hold of, and I 've spoken to many employees over the phone, and a couple over email, in an attempt to get this incredibly inconvenient and detrimental mistake fixed. I do not understand, due to Stearns ' grievous miscalculation of a constant value in our mortgage payment, why my husband and I would be responsible for almost {$2000.00} of repayment for a mistake that is not our own.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Closing/Cancelling account

Complaint: I attempted to use my American Express card on XX/XX/XXXX. The attempted charge was declined by AMEX. I called AMEX to check the status of the card. AMEX stated the account was closed because AMEX received a letter stating the account was created fraudulently and the card holder wanted the account closed. Without notice, explanation or permission, AMEX closed my account. 

The account is in good standing and payments are made timely. I have had the account since XX/XX/XXXX. 

I did not ( nor did anyone I know ) send a letter to AMEX telling them to close the account. AMEX is aware of my concerns and suggested that I file a police report. 

I suspect that the letter ( which AMEX would not release ) contained enough sensitive information for AMEX to act and close the account. Which means the party that filed the letter probably has my DOB, SSN, address, account numbers and other sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was unfortunately one of the ~143 million accounts affected by Equifax 's data leak that occurred in XX/XX/XXXXof 2017. I obtained this info by verifying via the Equifax site set up for this ( https : //www.equifaxsecurity2017.com ). Without knowing for certainty the extent of information leaked, I assume that my SSN, DL, DOB, address, credit card info and more were leaked and obtained by third-parties for fraudulent use.
The manner in which Equifax has handled the situation - especially the creation of a non-arbitration clause to a meager 1-year identity theft service they administer, is shameful and nefarious.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I opened up a Citigold account in late XXXX 2015 when they were offering a promotion for XXXX thankyou points. The terms of the promotion were that in order to receive those points, I would have to open the XXXX account and make 2 consecutive bill payments within 60 days, which I did. I confirmed with XXXX their customer service representatives, on two separate occasions, that I was indeed eligible for the promotion, that the promotion had been applied to my account, and that I had met the requirements for the promotion. However, just a couple days ago, I received another message from a XXXX customer service representative saying that I was ineligible for the promotion and would not be receiving those XXXX thankyou points. The Citigold account has a monthly fee of {$30.00} that has been charged to my account. I have kept the account open only because I felt that the XXXX thankyou points would be worth the monthly fee. However, now Citibank has reneged on their part of our business relationship and instead has charged me monthly fees for which I am getting nothing.

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 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXX Filed : XX/XX/XXXX Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XX/XX/XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my Trans Union/XXXX/XXXX credit report immediately. See Attached document as documentation

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 09/25/2016 about Student loan (Non-federal student loan) with Williams & Fudge, Inc (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was enrolled for school at XXXX University. At the beginning of the start date I became ill, and was hospitalized. I also had to deal with a XXXX after arriving home. I did n't even start in the school start. I never used their services, did n't get any books, did n't even log on. Their campus logs show that. I explained to student enrollment I was unable to get to a phone during their small window of cancellation sue to being hospitalized. They did n't care, did n't offer nay alternative or ask for proof. because this is a for profit school they did any and everything they could to get almost {$3000.00} from me. I did n't get a service from them. and AGAIN I never logged into their system to start the online courses. I told them I did n't have a job, I am on welfare and the financial aid was the only way I was paying for school. they stated they will continue to call me and ask for me to pay for {$3000.00} knowing I had no way to pay for it. Furthermore, did n't even listen to my valid point that i do not owe this debt.

Company response to consumer: Closed with explanation