milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have student loans with navient and they are reportinh 2 late payments on my credit report .this is holding me back from getting credit cards approved and the possiblity to purchase a home. I did not know i was i. Repayment period and was not offered a way to post pone payments i found out through my own research online and called back and requested the forbearance because repayment will cause me financial hardship. Not sure if my loan is private or federal, i really didnt know what i was getting my self into, when i originally signed up for college i was u der the impression it was finiancial aid because i did not make much money.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I just received a notice from Chase advising that my property is in risk of foreclosure and that my debt owed is {$9400.00}. They also claim my loan is 63 days late. I have made payments every month

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with 1st Franklin Financial Corporation (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about.

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 05/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (DE).
Issue: Getting the loan

Complaint: i received a pre approved offer from lending club and they turned me down. my understanding is that they need to offer me a firm offer of credit under FCRA. I feel misled

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from XXXX XXXX , XXXX today, X/XX/17 that stated that I owe XXXX money. I called XXXX and confirmed that I do not owe anything- I called both XXXX XXXX as well as XXXX XXXX . I then called XXXX XXXX and explained the situation and was told that I am disputing the charge. I am filing a complaint here because they have also been calling me incessantly over the past few weeks from various numbers in XXXX XXXX, NJ, including : XXXX, XXXX, XXXX. I just hang up usually but when I called back once to see who it was, it turned out to be Convergent.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX Inq XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Capital One Bank has posted negative remarks of payment lateness on my credit report without providing me with any options to resolve this matter to the best of my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I asked for a complete breakdown of the corporate advance fees charged to this loan. Nationstar responded with the attached breakdown, which does not define what the fees are ; i.e., what comprises foreclosure fees? Is foreclosure fees one fee and a combination of several fees? What is a land periodic and land initial fee? What is a title examination? etc. Also I asked for dates, times, and the name contractor who performed any property inspections. This is not " proprietary information '', as claimed by Nationstar. Therefore this is a request for verification and a compete explanation of the fees charged to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Calvary Portfolio Services is illegally reporting a collection account to all of the major credit bureaus. The account was originally with XXXX XXXX XXXX. We have already paid this account off many years ago. We told Calvary Portfolio this but they refused to verify this or to verify the validity of our debt when the first contacted us. This is in violation of the Fair Debt Collection Practices Act. Also the account is over 7 years old since the breach of the contract. It should not be reported due to the Fair Credit Reporting Act. Calvary is violating FCRA Section 605 ( c ) by re-aging the account to leverage their collection activities. It was back in 2007 that we had problems with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I had a XXXX XXXX Credit Card that the account was closed in XX/XX/XXXX. I received information from XXXX XXXX on XXXX XXXX, XXXX that included statements that were mailed to my previous residence. I never received the notices.

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 04-04-2015 about Prepaid card (Government benefit payment card) with NETSPEND CORPORATION (NY).
Issue: Fraud or scam

Complaint: I had my account locked for no reason by NetSpend. I sent in all the accepted documents that also had to be within 30 days. My bank statement was dated XXXX/XXXX/2015. And I then got an email 5 hours later of faxing the information stating it was not within 30 days. I have {$5400.00} in that account and proved who I was multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Vehicle loan or lease (Loan) with KEYCORP (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I calle d KeyBank at the  end  of  XX/XX/XXXX  for a def errment. The deferrment was approved. I have sent in the agreement  four tim es, and they have only gotte n one of  them, and will not accept it because it was cut off. I called yesterday to confirm receipt of the agreement, and she said she only got the one that they can not accept. If I am sending all of them to  XXXX  XXXX  XXXX , how have you only received  one of the four? I fe el as if they are forcing me into losing my car, and I am doing everything that I possibly can to ensure this is taken care of.  <P/> Th e agreement is due today (  XX/XX/XXXX  ) and  I am worried that they are going to claim they did not get it, or that they can not accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: Our firm handled a closing for on XXXX/XXXX/XXXX. On the day of closing, we had a payoff statement from XXXX showing an amount due good through XXXX/XXXX/XXXX. Interest was calculated and added through XXXX/XXXX/XXXX and our check was sent to XXXX in the amount of {$160000.00}. After two weeks passed and the check had not cleared our bank, I contacted XXXX and was told the check was received, but the loan was transferred to Shellpoint, along with our check. Our XXXX tracking notice shows the payoff check was received by XXXX on XXXX/XXXX/XXXX then forwarded to Shellpoint on XXXX/XXXX/XXXX. Shellpoint received the check on XXXX/XXXX/XXXX. I contacted Shellpoint and was told they would have to research the missing check and it would take XXXX business days. When I called back, I was told the payoff was short, and that a payoff statement from XXXX XXXX XXXX firm had been sent to our firm on XXXX/XXXX/XXXX. I was able to find the payoff statement from RAS in our file, which was entered after closing on XXXX/XXXX/XXXX ; so we were unaware XXXX XXXX was involved until after closing. When I spoke to XXXX about this second payoff that was sent to us, she confirmed it was sent on XXXX/XXXX/XXXX, and that because it was sent to us after our closing date, the initial payoff statement from XXXX would be honored. 

I talked to Shellpoint again and was told they would send me a payoff statement so that I could resend a check. I also contacted XXXX XXXX on the XXXX and was told I would receive a payoff statement as soon as possible. Finally, on XXXX XXXX, a representative from Shellpoint called me and left a voicemail. I returned the call and left a voicemail. XXXX XXXX with Shellpoint called me today told me that our payoff is short by {$4000.00} due to the accrued interest- which is a direct result of Shellpoint 's refusal to resolve this issue. 

Shellpoint has refused to provide our firm with an explanation or a written payoff statement ; and is instead, attempting to add an additional {$4000.00} to the amount due.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Sears and they agreed to remove the inquiry dated XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX  was done in error. I did not authorize Sears/Citi cards to do a hard credit pull for a credit limit increase. I have attached the letter showing my credit was not pulled due to a FRAUD ALERT on my account.

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 01-10-2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Southwest Credit Systems, L.P. on XXXX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Southwest Credit Systems, L.P., to remove incorrect information off my credit report. More importantly, Southwest Credit Systems, LP are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from Southwest Credit Systems , L.P .

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Wells Fargo has made negative credit entries against me, but will not give me access to the account. The account in question is my son 's student loan, of which I am a cosigner. I have repeatedly asked over the last several years for electronic access to the account. Their answer is that it is not something they offer now, but will in the future. 
When they have contacted me stating the account is delinquent, I contact my son and he says that it is current. Without access to the account, I have no idea who is telling the truth. Given Wells Fargo 's track record of scamming its customers, I tend to believe my son. 
These are the people that I have dealt with recently : XXXX., Research / Remediation Rep, Executive Office, Customer Experience Team XXXX, Research and Remediation Analyst, Executive Office, Customer Experience Team, XXXX at wellsfargo.com XXXX Research and Remediation Representative, Executive Office, Customer Experience Team

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: We are in the processing of taking out a home loan for a customer. On  XXXX / XXXX / XXXX , our customers credit was pulled and there was a collection company listed on their credit report that should n't be listed. On all  XXXX  bureaus, the account is showing as being disputed. On  XXXX   XXXX ,  XXXX , an attorney had sent a cease and desist to the collection company as this account had no legal bearing being placed on the customers credit report as well as filing a dispute to all  XXXX  bureaus.     On  XXXX   XXXX ,  XXXX , the customer contacted  XXXX , Experian and   XXXX   to ask them when the account was placed in dispute. Each bureau stated that the account was not in dispute or never in dispute. The customer then asked when such comments were placed on her credit file and was told they do not have that information.     This collection account is affecting the customer ability to secure financing.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please pull the phone records for a conversation that took place approximately   XXXX   XXXX   XXXX   between myself and a   XXXX    customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that   XXXX   starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the  XXXX  customer service agent on approximately   XXXX   XXXX   XXXX    I w aited another 3 months in " grace period '' and it goes by and all of the sudden   XXXX   XXXX    notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with  XXXX , and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with  XXXX ! 45 late payments is malicious and has indescribably made my life a living  XXXX . I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the 590 's solely due to   XXXX   XXXX   customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with  XXXX  3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired   XXXX   XXXX   which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all   XXXX    reporting agencies against these  XXXX  false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my   XXXX    student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this account was paid in full and was never late are Charge-off please removed this incorrect information from my credit report thank you. 

XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$750.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Ownership Individual Original Creditor - Company Sold-to

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 12-06-2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (NY).
Issue: Incorrect information on your report

Complaint: I request that you make out a check of {$24000.00} to resolve the title fiasco which is ongoing. Instead of closing on the sale of the condo last summer, as scheduled, we barely closed just now in the autumn after arduous labor, and a still unresolved title problem. It was just short of four months of delay and legal work involved with this corrupt, but insured title. 

Here is the breakdown : Common charges for four months $ XXXX {$1600.00} Mortgage payments for four months since the scheduled closing $ XXXX {$5000.00} Escrow held by the title company because of the still corrupt title= $ XXXX Legal fees of my husband, an attorney, for four months of work= {$12000.00} Extra legal fees paid to our transaction attorney XXXX XXXX= {$4000.00} more than originally agreed upon, but an additional amount paid due to the extra work required to close Total= {$25000.00} Will you issue that check please? 

Also, you should issue a check to XXXX XXXX for unpaid legal work done to resolve this corrupt title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A dispute was filed against XXXX ... .challenging ownership of thi acct ... XXXX never responded ... .they just increased the amt of time for the collection to appear on my report ... .I got slapped by XXXX for asking for a right afforded by the FDCRA ... .XXXXdoes as they please ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: There is an ongoing dispute between myself and Scottrade Bank that has caused me to loose access to my funds and suffer hardship as a result of Scottrade Bank 's delays on letting me access my account. 

Specifically, I submitted a complaint against Scottrade Bank and the OCC for what I would consider to be illicit actions by a Scottrade Bank employee, regarding the handling of customer information and critical financial information. Days after sending the complaint, Scottrade Bank locked my account, but failed to inform me of this action. Weeks later, when attempting to access my account, I noticed that my account had been locked. 

I called XXXX who said I needed to call the local branch. I then called the local branch and they said I needed to call XXXX. I was caught in a catch-22 with no access to my account or my funds. 

I am writing this complaint as well as providing the attached in hopes that the CFPB can investigate the fraud at Scottrade Bank and mediate a helpful resolution.

Company response to consumer: Closed