milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 is reporting a TAX LIEN on my credit report that 1. is over ten years old and needs to be removed & 2. The reporting and filing status is completely bogus. I had paid this long time ago. 

I reached out to Equifax over two times and today will be the 3rd time. This tax lien is keeping my husband from qualifying fo r a new home since they consider my debt. 

Please help me get this resolved with Equifax so I can make a better life for my family. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX, I tried to access my XXXX XXXX XXXX XXXX card account to pay my bill. I was unable to do so, as the system would not accept my password and required the password to be reset using a verification code sent to me via phone. However, neither of the phone numbers listed was correct. I called the phone number provided on the computer screen and was connected to the XXXX XXXX Fraud Department. I gave them my new phone number but was told that they could not use that phone number to send me my code. Since I was unable to get into my account online to pay my bill, I went to the XXXX XXXX location in XXXX, Ohio, on XX/XX/XXXX and paid my bill there. I received a paper receipt verifying my payment of the total balance of {$110.00}. I called XXXX XXXX on XX/XX/XXXX to verify that they received the payment, and was told that they had no record of the payment, and that it may have gone through at the store but that they did not receive it, and that my account was still showing a balance of {$110.00}. I have attached a copy of the payment receipt I received.

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 08/24/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WV).
Issue: Trouble during payment process

Complaint: Loan was modified by Ocwen and taxes and insurance were to be escrowed. 

We have 3 parcels of land all on 1 deed with the house sitting on 1 of the 3. 

We find out from the State of WV that our house was sold at a tax deed sale for XXXX XXXX dollars for delinquent taxes and of we do n't immediately pay XXXX XXXX dollars our hone would be deeded to the highest bidder and Ocwen will lose their XXXX XXXX dollar mortgage they have on the home. 

This was a huge shock to us as we were under the impression the taxes were paid by the lender. We contacted Ocwen XX/XX/XXXX Here Ocwen was only escrowing the smalles of the 3 parcels on the deed. OUR PROPERTY TAXES WERE NOT BEING PAID SINCE XX/XX/XXXX. Now there are thousands of dollars in fees that need paid as well to the State of WV. This is a hige mistake on their part and whomever did the modification did not set escrow up correctly. 
I have called and called and called with no resolution. I asked for my problem to be escalated as it is a time sesitive issue. Noone knows what they are doing there. We need your help. Please.

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 11/26/2016 about Credit card () with Synovus Bank (WV).
Issue: Late fee

Complaint: Was charged a late fee when payment was completed on my end prior to the due date of XXXX. This happens every time my due date is on a weekend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I have disputed incorrect items on my credit file several times asking for validation and verification, however the only response i 'm receiving is that it was verified. I responded with a certified letter requesting how was this incorrect information verified and to please send me the documents, the name and phone number of whom it was verified through. I even went to the courts whom stated they had no record of public record for me and that they do n't report to credit bureaus. Equifax is the only company reporting this on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Other fee

Complaint: Paypal credit advertises a scheme where no payments need to be made for 6 months. However, interest charges are accrued over that period and charged if a complete payment is not made at the end of 6 months. Due to this scheme I just missed XXXX payment but was charged the full deferred interest for 6 months XXXX like missing XXXX payments XXXX. I believe there should be sufficient information about the interest that will be charged XXXX dollar amount ) in such a last statement should a payment be missed. Basically, I was charged this fee just for missing to read XXXX email. It would also bode well for credit companies to make some exceptions on the fees when a genuine mistake was made in making a payment. Consumers would gladly pay interest/fees where it 's clearly agreed upon. 

I believe the company is preying on consumers by giving them a " free pass '' for 6 months only to charge them the whole fee hoping they miss XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Needing other payment options besides {$460.00} a month, on top of navient saying my ffelp loans arent covered under dtr

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Transunion after checking my credit report and saw a list of inquiries on my account that I did not authorized. I was informed by a rep their was nothing I could do but speak to those companies and after calling XXXX the advised I was not in their system. So I contacted XXXX and again was told I have to wait two years for them to fall off, I do not believe this is fair as they are not mines. I am listing the inquires which I show on my account. It scares me to see this incorrect information and not getting any help, this is my personal information and affects my livelihood. 
XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There were six ( 6 ) companies that performed a HARD INQUIRIES on my Credit Report, on XXXX XXXX XXXX, and I did NOT authorize. They are : XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. I only authorized XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Credit card () with Colony Brands, Inc. (NY).
Issue: Billing disputes

Complaint: the aqcct has disability insurance but seventh avenue refusest aqctivate the insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with JPMorgan Chase. My mortgage account number is XXXX. On XXXX XXXX I requested my payoff quote. I paid XXXX XXXX I made a payment for {$960.00}. Which was taken as FEES. The bank was keep calling me for the payment. On XXXX th I again paid another payment for {$1000.00}. Though I did n't owe any money in XXXX. They complained to credit bureau stating I am late. Credit bureau reduced my point. They sent me a refund of {$.00} for the overpayment of the payoff. In fact they are stating I had pay two months extra payment they collected. Obviously my payoff quote is also more amount. Can you please help me to get the right amount refund. If you need any documents I will glad to send fax or email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2015 about Mortgage (Other mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (TX).
Issue: Application, originator, mortgage broker

Complaint: I accessed my credit report and found a mortgage loan that I have been included as a Co-buyer. Loan was obtained by a family member who used my identity without my consent. Account is reported as a repossession on my credit report. Account is not my responsiblity

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Privacy

Complaint: While checking my personal credit report, which I acquired from XXXX, I noticed an inquiry made by your company " SYNCB '' on XX/XX/XXXX and XX/XX/XXXX. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Other mortgage) with Salter Enterprises, Inc. (AL).
Issue: Application, originator, mortgage broker

Complaint: I purchased a condo back in XXXX of this year, I had my credit report pulled from the mortgage broker that was used to oversee the transaction from the seller. My credit score was too low to get financing so the owner decided to finance the loan for me, until my score was high enough to get it refinanced. Some 4-5 months later the mortgage broker decided to pull my credit report again without my consent or authorization to see if I could get financing through the company he works for. I have credit monitoring and the next day I received an alert stating I have a new hard inquiry on my file. I researched the XXXX party involved and discovered it was a mortgage lender. I called the mortgage broker and he said he had pulled my credit to see if I now qualified for a loan. I told him that was wrong and would lower my score and that I had no desire to use his lender because I already had XXXX in mind. From there I contacted XXXX and XXXX to have the inquiry removed, and they told me the steps I needed to take in order to have the inquiry removed. I forwarded that info over to the mortgage broker so he could rectify his unethical mistake. He said he would take care of the problem and acknowledged that he was wrong. After some back and forth correspondence he said he spoke with his boss and was told there was n't anything he could do because he did n't want to be in any trouble. I have n't heard from the mortgage broker at all and he refuses to answer my calls. Please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have an auto loan on my credit report that is not mine. I have contacted the company they feel the signature is similar to mine and dont want to remove it from my credit report. They have failed to see the signature on the contract is the same in all 4 boxes and is misspelled the same way in all 4 boxes. The document being used to assume its mine doesnt have my name misspelled on it. Hence I dont leave letters out of my name when signing my signature. I also was not living at the address they say I was living at the time and will attach documents to support my different address. I have sent requests to the credit reporting agencies along with my identity theft report and still they are refusing to remove it. Which at this Point is showing gross negligence on the company and credit reporting agencies. In turn leaving me options to monetary damages if I was to take action for the damages I have incurred as a result of inaccuracies.

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 10/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: DENIAL OF HAMP MODFICATION BECAUSE OF FAKE MORTGAGE NOTE The purpose of this complaint is to request an explanation of the reason we were denied a HAMP Modification. The Master Servicer XXXX XXXX XXXX and Co-Servicer Bayview Loan Servicing have denied a Hamp Modification due to the fake note and fake mortgage documents the Master Servicer XXXX XXXX XXXX filed with the XXXX XXXX Recorders Office. 
On XXXX XXXX, 2016, I received Hamp Modification denial notice dated XXXX XXXX, 2016. On XXXX XXXX, 2016 notified XXXX XXXX in a Qualified Written Request and stated I had concerns regarding why we were denied for a HAMP MODFICATION and to please send Hamp Modification Program Guidelines, laws, rules and regulations why we did n't qualify. The denial contradicts paperwork received from the Master Servicer, XXXX XXXX XXXX. XXXX XXXX stated she would get us more information explaining the denial and why ; however, XXXX XXXX never did. XXXX XXXX asked me not to contact the Bayview Loan Servicing Hamp Escalations or the Consumer Financial Protection Bureau regarding this matter and to give her some time to respond. Although I asked for the denial of the Hamp Modification information on multiple occasions, Bayview Loan Servicing and XXXX XXXX failed to provide an answer to the QWR and respond to me. Therefore, I am now requesting the reason for denial of Hamp Modification again and as before requesting not just the reasons given on XXXX XXXX, 2016, because those reason contradicts paperwork received from the Master Servicer, XXXX XXXX XXXX. ( SEE EXHIBIT A ) On XXXX XXXX, 2016, we received paperwork we were denied for a Hamp Modification reason stated : " Minimum required reduction : We are unable to offer you a HAMP modification because in performing our underwriting of a potential modification we could not reduce your principal and interest payment by at least XXXX per cent. ''

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was charged off in XXXX 2012 - This debt collector is reporting this on my credit report, and mailing information to an address I do not live at. 

Attached is a copy of my mailing address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2016 about Debt collection (I do not know) with AR Resources, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a report debt of XXXX $ that I 'm not sure where it 's coming from. I 'm looking to contact and speak with somebody that can help me figure this out and fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hi, in XX/XX/XXXX I refinanced my Navient loan with XXXX. According to records/correspondence from XXXX and Navient as of XX/XX/XXXX the loan was refinanced and XXXX had possession. This is also reflected in report by Navient to credit reporting agencies. Per records of XXXX they began charging interest as of that day. Subsequently in XX/XX/XXXX I received a billing statement for XXXX advising of a payment during that time period/adjustment to my loan of approximately $ 67k. The billing statement provides details of these payments indicating they were made on XX/XX/XXXX and XXXX both after my loan was supposedly discharged by Navient. According to my account history there were no payments on either XX/XX/XXXX or XXXX but there are numerous payments/payment reversals on XX/XX/XXXX throughout. Further, there is a payment for approximately 182k on XX/XX/XXXX on the account. My loan total was approximately 115k and the XXXX is the difference. Navient is unable to provide the location of this additional XXXX payment per the records. After following with Navient up to the supervisor of their " consumer advocate department '' I was told they have no records of the payment and XXXX has no record of overpayment and so there is nothing they can do. However, and obviously contrary to their role as a lender and pursuant to the applicable law omission or failure to keep accurate records is not a response to a consumer missing XXXX. In fact the supervisor told me that there could not be a " reversal '' without a payment and then denied the payment but is unable to provide any proof. And in fact their own records document it over and over. Further, Navient 's own XXXX statement shows the loan was not only paid but had a negative balance of {$22.00} for which I received a check. I refuse to accept this and am asking for your help as they try to continue to cheat their customers due to their own incompetence. Their consumer advocacy department is nothing more then a bunch of navient advocates and serves no purpose or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Applied for an income based repayment plan to begin in  XXXX     2017. W ithout income taken into consideration my minimum monthly payment was {$700.00}. When I applied for an income based repayment plan, they quoted me at a monthly payment of {$300.00}. Not bad -- if I did n't have an already extremely tight budget, working as head of household, with a child, bearing full housing costs, etc. When I called hoping to lower that monthly minimum ( {$200.00} is my budget for my Navient loans, because I have other Perkins loans, etc ), they could not budge and insisted that I was already on the lowest possible repayment plan. They then asked me if I could change some things on my application like -- did I want ot say I was pregnant? Was I sure I did n't have any other dependents? Being honest, I said no. The customer service rep apologized for the bad news and said there was nothing else he could do to help me, and good luck. This has forced me into forbearance for 6 months -- even with a very decent job and good pay! I want to repay my student loans, but I need to work with a company that will work with me!

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: There is an outstanding debt being reported on my credit reports and this account does not belong to me. I have tried contacting Walmart and XXXX which is the company that I was told purchased tha account and have not received a response from either. I would like this information removed from my reports

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 01-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX - Barclays issued a Master Card credit card under my name and sent it to my previous address ( 15yrs old ) ready for activation. I did not submit information or apply for this card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief