milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have found that there are multiple abuses on the inquiry sections of my credit report knocking down my score from XXXX XXXX XXXX to XXXX! XXXX XXXX went into my report on XX/XX/XXXX again on XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX again XX/XX/XXXX. XXXX XXXX XX/XX/XXXX again on XX/XX/XXXX. This is abuse I think they are trying to keep me from buying a house in the area. I was told I don't have a credit score, which is a lie. XXXX XXXX gave me three fico scores in XX/XX/XXXX. XXXX XXXX, Equifax XXXX and XXXX  XXXX. I received these scores over the phone from XXXX. I lost the house that I was interested in buying over this playing around with my score. I want my points back. This was a great disservice and even though I have a 40 year credit history through XXXX XXXX XXXX it doesn't appear on my report. So I started over again with XXXX and I have a XXXX XXXX Credit Card 4 months ago. My score was just updated to XXXX XXXX XXXX, Equifax XXXX had this abuse not happened I would be well into the mid XXXX 's, since I have no derogatory marks against my credit or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: am requesting the removal of XXXX judgements ( case number XXXX and XXXX ) on my Equifax credit report due to XXXX XXXX, et al. v. Equifax Information Services LLC ( XXXX ). I do not know where these judgements have originally been identified from, and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgements as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX XXXX, A.K.A. Navient, purposefully denied receipt of written correspondence that specifically requests for help. 

In XXXX, I was able to work as a loan underwriter for several months. I learned how interest rates and the number of loan periods can affect the total finance costs of a loan. I realized that forbearance and interest only payment plans do not add help to the overall financial health of the borrower. 

Normally, when I ask XXXX XXXX, A.K.A. Navient, for help, there are a couple of standard responses that include forbearance & interest only payments. This help would temporarily allow me to survive the next couple of months, however, forbearance & interest only payments actually make my situation much worse as these temporary situations will come to an end and I will be left with a larger economic deficit. The idea is that after a couple of months, my financial situation would magically change and Id be able to afford payments. However, this is highly improbable to occur. The end effect is not help but distress. 

I currently owe about {$200000.00} in student loan debt and given the magnitude of this long term liability, I will need more than the average increase in income to survive than say someone with {$30000.00} in student loan debt. I realized this during XXXX of XXXX and decided to reach out to XXXX XXXX ( Navient ) and ask for a real, permanent solution to my financial situation. 

On XX/XX/XXXX, XXXX, I sent a successful fax to XXXX XXXX at XXXX, see FAX pg 1 PDF through FAX pg 5 PDF, which requested interest rate hardship status. I provided a graph of my economic situation and mentioned previous conversations with XXXX XXXX regarding solutions that were offered to me for help. I also asked that XXXX XXXX stop compounding interest. This would stop additional interest accruing on interest. I provided financial information to prove that I had negative capacity to pay my liabilities. 

After I submitted the fax, I called XXXX XXXX ( Navient ) about week later and they denied receiving the communication. The XXXX XXXX, A.K.A. Navient, representative sounded a bit suspicious, as if she didnt want to admit that such a letter even existed. I later checked online to see if any received documents were uploaded. To my dismay, my fax was not found. The fax cover, see FAX pg 1 PDF, proves that the fax was successfully received with the marker OK. At the time, I was scared of XXXX XXXX ( Navient ) and didnt push the letter. 

My question to Navient, A.K.A. XXXX XXXX, is as follows : Why did XXXX XXXX ( Navient ) deny receipt of my letter when it was clearly received? What reasons would there be to deny borrowers acknowledgement of their written communications?

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: letter dated XX/XX/XXXX from XXXX XXXX is another lie again this accoun cliam that was filed in XXXX about atm card ending on XXXX was closed on XX/XX/XXXX and I never recieved a new card specially ending inXXXX. This claim was filed and on XX/XX/XXXX you approved the claim and stated the credit for {$1800.00} was permanent however I also contacted the bank and explained that whom ever did all this fraudelent was the same peson who withdrew on XX/XX/XXXX a {$600.00} tlr counter withdraw with license and a debit card ending on XXXX and on XX/XX/XXXX a counter withdraw of {$2100.00} and another for {$1.00} on same date with same identification. what bother me is the fact that the bank never consider the fact that I spoke to them and the claim included those counter withdraws with my license and the debit card ending on XXXX. I never had that debit card period and futher more based on the letter you sent dated XX/XX/XXXX stating that this fraud that took place had to be reported to the bank within sixty days claim # XXXX and that the claim was outside the time period this claim was initiated by the bank and use the 60 day to denied the claim to get away with it. HERE IS WHAT MY ATTORNEYS HAVE SAID IF SOME ONE USE THE XXXX DEBIT CARD AND THE BANK AGREED ON XX/XX/XXXX THAT THE ACCOUNT WAS USED BY SOME ONE AS FRAUD AND AGREED THAT THIS WAS FRAUD AND DID THE PERMANENT CREDIT HOW IN THE WORLD DO THEY NOT AGREE THAT THOSE WITHDRALWS WERE ALSO FRAUDELENT AND NOT MADE BY ME SPECIALLY IF THERE WERE NO FORM OF CONFIRMATION # XXXX ON THE ACCOUNT SPECIALLY IF A DEBIT CARD THAT WAS USE ENDING ON XXXX THAT WAS NEVER MINE OR NEVER HAD THAT DEBIT CARD AND NO INDICATION OF ANY TYPE ON THE STATEMENT AT ALL OTHER THAN IT WAS A TLR COUNTER WITHDRAW AND I COULD VERY EASILIY TRANSFER ALL AMOUNTS TO MY OTHER CHECKING ACCOUNT THAT HAD BEEN USE TO TRANSFER ALL KINDS OF CREDITS TO THE XXXX ACCOUNT.Ii CALLED AND REQUESTED COPIES OF THE CLAIM AND THE COPY OF WHOM EVER I SPOKE TO REGARDING THE 3 WITHDRAWS THAT TOOK PLACE ON XX/XX/XXXX AND XX/XX/XXXX. THE BANK HAS BEEN TRYING TO GET AWAY WITH WHAT HAS TAKEN PLACE. SPECIALLY IF ALL IF ALL I NEEDED TO DO WAS THE TRANSFER AND CERTANLY NOT ON A TLR COUNTER WITH A DRIVER LICENSE AND DEBIT CARD THAT I NEVER HAD AND IS THE BIGGEST LIE THAT HAS TAKEN PLACE ON AN ACCOUNT THAT WAS DONE FRAUDENTLY AND APPROVE BY THE BANK. SPECIALLY IF THE BANK WAS THE ONE WHO CLOSED THIS ACCOUNT SPECIALLY WITH A {$2100.00} AND ANOTHER FOR {$1.00} ON SAME DATE. THAT IS CRAZY AND THAT IS WHY MY LAWYERS ARE VERY INTERESTED.

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 05-12-2015 about Debt collection (Credit card) with Navient Solutions, LLC. (NV).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: The General Revenue Corporation are repeatedly contacting my phone, my employers, and the landlord of the house I am renting. They call up to XXXX times a day re : a collection. This has now become a problem with my employers and the phone calls need to stop before I get fired because of them harassing my boss.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (UT).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called Diversified Adjustment Service, Inc today ( XXXX/XXXX/15 ) and spoke with one of their collection representatives named XXXX. I had previously made payment arrangements ( XXXX/XXXX/15 ) to pay {$20.00} a month until the debt was paid. XXXX stated that amount would n't work, that I had to pay more. I stated that I 'm on a fixed income, I only receive Social security, and can not pay more than that and I have a letter stating that fact. He said " Well you 're talking to me now, and there 's no way you can pay just that amount. It 'll take you seven months to pay it off, you 're going to need to pay more. '' When I refused he changed tactics and said, " Ok you got ta make a settlement than. You got ta pay it off. '' I again said I could n't. He said I had to and asked how much I could pay. I stated again that I could maybe pay {$50.00} but wo n't since I have a payment plan and he told me they ( XXXX ) would n't accept that, very sarcastically. Maybe they would accept {$120.00}. I told him no. I said I wanted to speak to a manager. He told me no. When I insisted he said in a mocking tone " Ooo are you going to offer my boss a deal? '' Then continued to say he would n't connect me. When I would n't budge he finally transferred me to a voice mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (IL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I disputed/filed a claim for a charge that took place on XX/XX/XXXX with XXXX XXXX XXXX in the amount of {$110.00}. I was charged twice for 'shuttle services to and from the resort on XX/XX/XXXX in the amount of {$110.00}. I called Navy Fed and disputed 1 of the charges as XXXX XXXX issued only 1 credit and not the 2nd credit. Navy federal took the claim and advised, that I would receive a provisional credit while the investigation is going on back XX/XX/XXXX. A credit was issued and then, I received a message from Navy Federal on XX/XX/XXXX stating a debit will take place for the {$110.00} on XX/XX/XXXX as documentation is needed to show proof that I paid another service for our shuttle. I replied with proof from my XXXX showing charges for a commuter to and from the resort and an email from the resort showing, I cancelled the shuttle service and was no longer in need of their service. After, I provided this proof I never heard anything else back from Navy Federal and they did not take the provisional credit back until XX/XX/XXXX. When, I called NFCU they told me the credit is being removed from my account because XXXX XXXX provided a credit back on XX/XX/XXXX which only took care of 1 charge but not for the 2nd charge of {$110.00} which is what I disputed with NFCU. I called and spoke with NFCU XX/XX/XXXX customer service supervisor XXXX and she stated, she will open a new claim and advise the claims department only 1 credit was given from XXXX XXXX and not 2 credits. I do not know how NFCU did not know only 1 credit was given. Instead, they debited {$110.00} without sending me another email stating this was to happen. If NFCU looks at my account, they will see 2 charges from XXXX XXXX for {$110.00} and 1 credit given to me from XXXX XXXX for {$110.00} and only 1 provisional credit given to me from NFCU. So, how could they assume XXXX XXXX gave me a credit for 2 charges in the amount of {$110.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is account for XXXX XXXX XXXX XXXX is not my account I notified Trans union on this but they refuse to delete it. Amount 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 09/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX. is claiming that I opened this account in XXXX, yet my date of first delinquency was XXXX. I have explained to Equifax and XXXX that this account is not mine. I did not open any accounts in that date and further it was on my credit report from XXXX, was removed and then added back as new debt. I have spoke to XXXX and they admitted the account was from XXXX originally. This is not my account because I have not applied for any credit from anyone since XXXX. I have asked this company to even tell me what this is for and they said its from XXXX. I have not had any XXXX anything since XXXX and left with XXXX balance on my account. I demand this be removed from my credit report. Its extortion and illegal at the highest levels.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: BBVA COMPASS Bank keeps charging excessive fees. They count Saturdays and Sundays as a regular banking day even when they are not open. I have had several fees regarding scheduled payments on sundays and I go in and deposit on Monday and they charge a hefty NSF fee. You need to look into that for my sake and the rest of the consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Delinquent account

Complaint: One day after payment due date, rhe incessant collection calls begin ; home, cell and work, starting XXXX through XXXX, Monday through Sunday, robocall after robocall. I am currently 10 days late on my regular payment and I must have received 50 or more calls, with voicemails.

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 12-07-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Struggling to pay mortgage

Complaint: I have a mortgage that is currently being serviced by Specialized Loan Servicing. I have been in default for some time. Originally I tried to work  with them to obtain a loan modification but the continuously were missing paperwork or they were always asking for additional information after I had already provided that information. 
Needless to say ; I gave up and presently I am trying to complete a short sale. 
I have had the property on the market with a very reputable and knowledgeable broker for 18 months. I have an experienced attorney working with the bank to assist with the short sale transaction. We have presented THREE offers to Specialized Loan Servicing throughout this 18 month period. Specialized Loan Servicing continues to reject this good faith offers and continues to OVERVALUE the property. My broker and my attorney both have worked in good faith with Specialized Loan Servicing. The property was shown to prospective buyers many many  times and all offers have been submitted to them ; but they continue to obstruct our ability to complete this short sale. I have no financial incentive to complete the transaction because I have a chapter XXXX discharger ; but I want to the right thing and avoid the foreclosure. However, despite the good faiths efforts of a knowledge broker and experienced attorney ; we are still being obstructed by Specialized Loan Servicing. I want SLS to approve the current short sale as this amount has been the HIGHEST amount we have EVER received for this property. The property was built in 1860and is severely outdated. Please help 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 explanation
Consumer complaint received 05/17/2017 about Student loan (Private student loan) with AES/PHEAA (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In  2005 a student loan application was processed with my name and information attached to it. I did not sign the documentation nor do I agree with the terms of the loan. My personal credit has been effecting my history and credit reporting agency. I have been trying to deal with the owner of the loan for over 11 years and they still refuse to act. My credit continues to have just one negative report on it. I deserve a timely response in this matter but no one else sees that. Please help restore my credit and step on the lower life form at AES.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Hi, my case No. XXXX, last month I filed a complaint because Carrington mortgage services llc, increased the monthly payment to $ XXXX/mo, the reason was because the home insurance premium was up, I was paying $ XXXX/mo ( I found the reason about the insurance after they lied to me many times ), so on XX/XX/XXXX, the payment went down to $ XXXX/mo ( attached documents ), and they told me that 's amount I will be paying the rest of the year 2016. Today XX/XX/XXXX, I received a letter saying that they increase the payment again to XXXX/mo, I wonder if they will tell me another excuse and keep increasing the payment every month. On the first complaint I asked to turn the loan back to XXXX XXXX XXXX XXXX, these people are in the state of XXXX, I live in XXXX XXXX, and I 'm XXXX, for me it 's easy to go any XXXX XXXX. I never asked XXXX to turn the loan to Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (PA).
Issue: Managing, opening, or closing account

Complaint: RUSHCARD. Need I say more? XXXX XXXX is " working so diligently '' to " fix the problem. '' A problem he probably caused. What does he care - he 's LOADED??? He has no problem getting to his money and paying his bills. Our money - on the other hand - which is supposed to be on our RUSHCARD is not there. Where is it??? Why ca n't I pay my bills? Do you know how hard it is to buy gas and food with NO MONEY?!? 
RUSHCARD XXXX and I ca n't wait until the " straighten it all out '' so I can RUN FAST FROM RUSHCARD!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (CO).
Issue: Credit decision / Underwriting

Complaint: Lender failed to notify buyer of condition of XXXX acre property was not approved less the XXXX hours prior to closing. Mortgage Broker was in direct communication with Sellers Agent, taking verbal on amend extend. Contract expired and Buyers lost Ernest Moneys. Mortgage Broker and Direct supervisor admitted negligence and stated Company would reimburse Ernest Money. When asked for promise to be provided on official letter, received sub par email for request of internal process. The actions of Mortgage Broker were not in the fiduciary interest of Buyers, and fraudulent statements made in regards to why loan was not approved were given to Buyers. Buyers were not afforded the opportunity to seek new Lender with in reasonable time to complete transaction, before expiring.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Enova International, Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX called several relatives and friends about a payday loan from 2009 and stated to them and to me that charges of profit by deceit through a financial institution is filed and felony of the third degree warrants are out for me now and to stop the process i need to pay today. i asked for verification of the debt she would not provide it. i said i need to record this conversation and she hung up. 
i called her back and left message that i have the money to pay to call me back. when she called back i informed her i was recording ( which i was n't ) she stated that she ca n't be under recording and hung up. the number i called is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: experian has reinserted unverifiable accounts once deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: open date XXXX/XXXX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have an account with  XXXX   XXXX  that was paid and closed in  XXXX . For some reason, they started reporting the account again in  XXXX , even though it was paid off in  XXXX , and the account closed. Both   XXXX   and Experian are still reporting the account. Experian says it will stay on reporting until  XXXX . This account should be gone from my records.

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