milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Mortgage (VA mortgage) with LoanCare, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan with loancare.     They purchased my loan   XXXX   XXXX   XXXX   XXXX   My first payment was due   XXXX   XXXX   XXXX  . Which I made.     My original bank had auto-drafts set up to go to the old loan servicing company,  XXXX .     In  XXXX , an auto payment check was sent to  XXXX . They tried to cash the check and it came back returned. Mind you, they no longer own the mortgage. They turned around on   XXXX   and told  Loan Care I  had a returned check to their company.  Loan Care  too k one  of my payments, I had made to them, and sent it to  XXXX . Now,  Loancare  shows me as being behind a payment. I have argued with loancare over this matter, for 6 months. On  XXXX   XXXX   XXXX , I spoke with  XXXX   XXXX  out of the  XXXX  Florida office for loan care who after extensive research, that I had provided, agreed, that  XXXX  had received a payment that they were not entitled to receive.  XXXX   XXXX  at that point said she would get the matter resolved.      One  month later I called, and LoanCare tells me that the problem is between me and  XXXX  since I was the borrower. If I wanted to be credited I had to contact them myself and get this mess sorted out.     I asked loan care if they were reporting me as being delinquent on my mortgage and  XXXX  from  LoanCare  said, no, I have you good. My wife and I were going to get a car, and when the car dealership ran my credit report, Transunion showed me with  XXXX  negative comments from  Loancare  concerning my mortage.   XXXX   XXXX      XXXX   XXXX   and   XXXX   XXXX   XXXX       I submitted a ticket to have that information removed from my credit report on  XXXX    XXXX   XXXX  . I received an email confirmation that my request had been received and to allow up to  XXXX  business days to research and resolve the matter. Today is  XXXX    XXXX   XXXX    LoanCare ha s not resolved this issue, nor given me a decision, nor removed the derogatory remark from credit report.

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 09/22/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I think that it is wrong/illegal for Equifax to list the same negative information on my report twice ; once as a public record ( bankruptcy ), and then again under negative accounts. Also, are they allowed to only report my credit history after my recent bankruptcy, as if I do n't have any other credit history, I have over 30 years of credit history, this affects the number of positive accounts that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX, XXXX, GA XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized Credit Inquiry ( s ) To Whom It May Concern : I have been contacting Equifax to inform them that these hard inquiries listed below were not authorized by me and I wish to have them deleted. Some person or persons within ( Equifax XXXX Consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 

Since I never gave permission for anyone to inquire about my Credit Status, Equifax are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 



As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 

This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties. 

Here are all the unauthorized credit inquires on my report that should be removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I co-signed on a student loan with Navient with my sister as primary, for the benefit of my niece. In XXXX 2017, I was notified that the account was past due ( my niece had recently graduated ). My niece and I contacted Navient and spent over 1 hour and 20 minutes speaking with a gentleman who made payment arrangements ( account was brought current ), also including auto-pays for a year ahead, and assured me the situation would not be reported to the credit bureau, but it was. It resulted in my excellent credit rating plummeting. I contacted Navient several times thereafter by phone, mail and fax, and they refused to remove the late on my credit report. They did remove a second late they had also erroneously posted. Navient 's website makes it very difficult to find notifications that they have sent you, and almost gives you the impression they do n't want you to find the notices they have sent. Since the account was barely past due and I had not seen the notice, in addition to the fact that I brought the account current immediately, and the assurances I received it would not be posted to my credit, I feel strongly this late should be removed from my credit report. During my odyssey of phone calls to Navient, at one time I was even told this loan no longer existed and was paid off! Thanks in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Bank account or service (Checking account) with U.S. BANCORP (TX).
Issue: Making/receiving payments, sending money

Complaint: US BANK CALLED TO TELL ME THAT THERE WAS SUSPICIOUS ACTIVITY IN MY AC & THAT THEY CLOSED MY AC.THEN THEY WROTE TO ME SAYING THAT MY BALANCE WOULD BE TRANSFERRED WITHIN XXXX BUSINESS DAYS.THAT NEVER HAPPENED & NOW WHEN I CALLED US BANK THEY GAVE ME A NUMBER, THAT NUMBER GAVE ME ANOTHER NUMBER & SO ON & SO ON. I CHECKED ONLINE & SEE THAT TYPE OF ACTIVITY IS REGULAR WITH US BANK. I NEED TO CHECK MY OPTIONS OF RECOVERING THE {$300.00} ODD DOLLARS I HAD IN MY AC, I ALSO NEED TO EXAMINE MY OPTIONS OF RECOVERY FROM 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 12/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with State Collection Service, Inc. (WI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I made settlement with collection agency and paid the agreed amount. The agency after this, reported the XXXX Credit Bureau that I have a balance of the remaining amount. It dropped my score for almost XXXX points. When I called the agency to find out why they did it, they have no valid answer. I requested to speak with the supervisor, but he wo n't talk to me. I am planning to buy home soon, but now due to this I have to wait for months before my score gets up. I am really frustrated and request you guys to ask this collection agency why they did this. The debt is about three years old. They never contacted me. Recently, like they called me a month ago, and I settled the debt. During the last three or more years the agency never reported this debt this to any Credit bureau, but as soon as I settled this this debt they reported to the Credit bureau that this is a collection account. I really do n't understand this. All I can think is sheer negligence, incompetence, and carelessness on the part of the agency

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. The only address that is correct is XXXX XXXX XXXX XXXX FL XXXX. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX at XXXX XXXX on XX/XX/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 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX has been trying to collect a debt for over {$1400.00} for cell phone service that I am not responsible for. I have contacted them on many occasions to explain that this is a fraudulent account and have requested that it be cleared and removed from my credit report.I do not know the origin or the phone numbers associated with this account.I currently have an account with them that was opened AFTER this debt was incurred.They refuse to remove this debt as being my responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My name is XXXX XXXX. My credit report states I have a charge of {$420.00} from Commonwealth Financial system. ( CFSI Acct # : XXXX ). On XXXX/XXXX/2015 I contacted them. I called XXXX XXXX XXXX ext XXXX. They could n't figure out where this charge came from. They said to contact XXXX XXXX XXXX at XXXX. They could n't figure out where the charge came either. They even searched my social security. They asked me to try Integrity at XXXX to see if they can help. 
Nobody can find it. Can you help me figure out how to get this removed from my credit report. Thank you for taking the time to help me figure this out.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NV).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: My current balance is XXXX. The amount past due is XXXX. The overlimit amount is XXXX. I have contacted them numerous times about paying them back and how I would need a payment plan or a removal of the overlimit amount. I have not received any of the requests met. I can not pay back an amount they keep tacking on monies too. I called to get a temporary card to make payments to the account directly and they sent me a card that does not even work. It does n't let me add money to the card. Then i called to ask if there was a quicker way to make payment without going into the bank every two weeks. They said no. So how am I supposed to irk with them when they wo n't work with me?

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 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TN).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Applied for the card did n't know that they would run a hard inquiry on my credit report.

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 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Notified by Capital One of restriction ( no purchase authority ) on our XXXX XXXX credit card account effective XXXX XXXX, XXXX with closing in 90 days, due to lack of activity over the last XXXX years. Letter received early XXXX, XXXX, with no prior notice of intent to close account. However, the current cards in our possession do not expire until XXXX, which we intended to use during this upcoming XXXX season. Call to Customer Care on XXXX/XXXX/XXXX was unsatisfactory wherein the first agent merely repeated what 's in the letter. No option to unrestrict or reopen account once closed. She suggested to my husband he could apply for another account if desired -- which makes no sense. Why apply for a new account if the existing one can be left open? Perhaps it is Capital One 's intent to close " no annual fee '' accounts or to push people to new accounts with new terms and maybe ones with fees? 

Because this is an old account ( 20 years? ) in our credit history, closing the account negatively affects our credit score because it takes a long established account out of the mix.. We are seniors and it is an account that has been used regularly in earlier years, but less so in recent years ; however it was our intent to use again this month for the upcoming holidays. Also spoke with a supervisor ( XXXX, XXXX ) after getting nowhere with the first agent. XXXX came on the line, indicating he had been briefed by the first agent. He repeated the same mantra -- there is no flexibility to keep from closing the account. I asked for rationale for closing an account that the customer wanted to keep, that was not in arrears, with an excellent payment history, and would use in the near future. He explained it as the right of the company to make a business decision to close out unused accounts. Even though we intend to use the account and did not wish it closed, he said they would still close it. It did n't matter what the customer wanted nor is there any other option to seek an exception to this rule. I thought he was a bit assertive and showed no empathy. With another credit card account with Capital One and bank accounts with CXXXX XXXX XXXX, I am shocked with this treatment of a long standing customer. 

I would not complain if there were official prior notice of inactivity that may result in account closure and consumers are given a reasonable time ( eg 60 days ) to demonstrate use or lack of use. Plus our current cards clearly state the expiration is XXXX. Why would I think the account would be unilaterally closed with no prior notice? Keep in mind, our account is not yet CLOSED. They have restricted the account such that no purchase activity can be made, and giving us 90 days to use the program benefit points associated with the card, but it will be closed in 90 days. To receive a letter after the fact with no options, is XXXX treatment of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Prepaid card (General purpose card) with STATE FARM BANK, FSB (IL).
Issue: Unauthorized transactions/trans. issues

Complaint: I unloaded the funds from my prepaid visa card to my bank account. They never showed up in my bank account and customer service is refusing to investigate where they went. This is tantamount to theft

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Non-federal student loan) with SIMM Associates, Inc. (NY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have been having terrible financial difficulties for a couple of years now and have n't been able to pay off my debts in a timely manner like I used to. For one debt, I have been receiving letter after letter, phone call after phone call from a debt collector trying to collect the debt. That 's OK -- that 's their job and we do owe the money. However, yesterday, the lady from the debt collection agency called the co-signer on one of my loans and berated and harassed him, using mean and abusive language. She even suggested that he put his land and house up for sale or put it up as collateral to help pay off our loan. That is taking it way too far and is absolutely uncalled for. In addition, when they leave messages on our phones, they do n't do what every other debt collector does : say that the message is intended for someone in particular and if the person listening is not the intended recipient of the call then he/she should hang up. Instead, they just start spouting personal information, like the name and the account number of the debtor and then say that it is an attempt to collect a debt. I am appalled by the divulgence of my personal information in a voicemail message.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is an unauthorized credit inquiry on my report. I let them ( JcPenny, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. Thank You

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 06-12-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (WA).
Issue: Struggling to pay mortgage

Complaint: I 've been working with  Ditech re garding loss mitigation options, I have been submitting all documentation requested on time and following up for updates 3 times a week. Since  XXXX   XXXX ,   XXXX   I have not been able to receive a call back from my Point of Contact   XXXX  . Numerous voicemails have not been returned and when calling Ditech to speak with anyone, they all direct me to her voicemail leaving it impossible to receive an update on my status that I have been working so long on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS IS A COMPLAINT AGAINST Equifax ( DEPARTMENT OF FRAUD ) THIS AGENCY CREDIT NOT COMPLY WITH FEDERAL LAW OF FAIR CREDIT WHEN IS VICTIM OF IDENTITY THEFT, like me, on several occasions HE SENT THE REPORT OF POLICE AND YET ACCOUNTS REMAIN IN MY REPORT MY WAY AFFECT OF NEGATIVE CREDIT PROFILE AND XXXX A pOLICE REPORT THAT WERE WITH BILLS XXXX FRAUDULENT AND WITHOUT MY PERMISSION. HOWEVER THIS DEPARTMENT OF FRAUD AND DISPUTES LAW FAILS IN BLOCKING AND ELIMINATE THESE BILLS WHEN IS VICTIM OF IDENTITY THEFT. It is for this reason that I GO TO CONSUMER PROTECTION BUREAU finace, DUE TO NORMAL BY DIRECT CONTACT NO WAY HE HAD EXPECTED ANSWERS AND THE RIGHT AS TO COMPLY WITH SECTION XXXX OF THE FEDERAL LAW SECTION OF FAIR CREDIT. These accounts are : XXXX XXXX I XXXX XXXX. # Account Number : XXXX.

Company response to consumer: Closed with explanation