milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: TransUnion website do n't allow me to dispute items. When I called TransUnion either they are busy or automatic service voice say the department is closed. 
I been disputing items on my credit report with TransUnion in the pasts and even mail in proof of old credit report how the creditor would either change payments status, change things and continue to allow credit items stay on my credit report when its over 7 years mark supposed to be deleted.

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 02/23/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX XXXX Mortgage accounts listed on my credit file that have not had a payment in 7 years, they have been re aged which violates my rights. There has been no investigation completed. If there was the evidence would reflect XXXX is past the statute and these XXXX items would be removed. They XXXX accounts are XXXX # XXXX and XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On several occasions I have received a letter st tight the XXXX XXXX has provided information about me which seems to be false when I try to contact them to dispute or find out what information they provided I can not get to theye are reporting to creditors that I have a credit score of XXXX out of 900 which is false info and caused me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient will not respond to my applications for income driven repayment. My federal student loans are only mine, yet they will not adjust my payment so I can afford them. I have applied for the last 3 years and they just wo n't help me at all! I have a family member paying my loans because I ca n't afford them and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: On XX/XX/2016 I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three XXXX XXXX XXXX XXXX Experian and Transunion because they agreed to remove these transactions they are now along with Transunion XXXX and XXXX in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Debt collection (Medical) with Westside Recovery Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got this debt collection that is not mine. Not the right DOB, not the right SSN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have been receiving unemployment since XXXX of XXXX. My benefits were exhausted in XXXX of XXXX. I have found gainful employment starting in XXXX of XXXX. As a result of my circumstance, I am left unable to make my XXXX and XXXX XXXX payments. 

My unemployment was not a surprise, I had several months notice. During that time, I prepared for the financial loss. One step was to discuss with Citibank the terms of my loan and how many months forbearance were available to me. I was told I had a total of 6 months. I continued to make payments. 

I received a 1 month forbearance of my student loans for XXXX XXXX. I requested the forbearance due to an error in filing for benefits in XXXX, leaving me unable to make my student loan payment. I was granted the forbearance and resumed payments in XXXX XXXX. Before ending the conversation in XXXX, I asked how many months of forbearance I had left on the loan and was told I had 5 months remaining. 

On Monday, XXXX XXXX, XXXX, I requested to have my student loans through Citibank forbeared through the months of XXXX and XXXX of XXXX due to lack of unemployment compensation. I was denied. I pressed and was still denied. I spoke with XXXX, she relayed my situation to her superior. XXXX called me back and informed me that I would was not eligible for forbearance. I asked to speak with her superior and she told me my only recourse was to write a letter. 

Strangely, XXXX called me back on Thursday, XXXX XXXX, XXXX. I was surprised to hear from her. She started our conversation by informing me that I was, in fact, eligible for a forbearance. She then guided me through a worksheet where she, once again, told me I was not eligible. I was very confused. We were having the same conversation that took place on Monday. XXXX forgot that she had already followed up on my account. XXXX also apologized for telling me that I was eligible for two months forbearance, because by the end of the conversation, I would not be receiving a suspension of payments. 

I believe that I am being denied my 2 month request of forbearance unfairly.

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 06/14/2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Incorrect information on your report

Complaint: This is a dis pute regarding a removal of a 30 day late reporting on our credit bureaus due to ROUNDPOINT MORTGAGE system failure to withdraw fund from our account and Failure to notify us as borrower in due time to take action. In response to our inquiries, Roundpoint was n't able to provide any factual information to disprove our case but rather incorrect facts about the course of action taken. We have all phone records, email confirmation etc to prove that Roundpoint was inaccurate in their assessment of denying our request to remove the 30 day mortgage late from our credit bureaus. Attached is a series of event and correspondence with Roundpoint. More detailed information can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Vehicle loan or lease (Lease) with FORD MOTOR CREDIT CO. (PA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: The company is calling multiple times per day. Including back to back. We asked if they could lower the payments or extend the lease and they said lowering the payments was not an option and we could only put a month at the end of the loan. We were honest and told them we wouldnt be able to afford it due to a job loss and they said nothing we can do. 

So as we continue to get behind, we have spoke with them regarding the fact that they have called local businesses looking for us and questioning them. Since we are in a small town this was a bad move on there part. They have also questioned and called my neighbors and employers multiple multiple times. We even told them if they continued that we would consult an attorney. They have continued. We told them to take the car. We are done. Between the excess in phone calls, the inability to work with is, the public embarrassment, and harassment of our neighbors this is crazy. The creditor is ford motor credit

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (LA).
Issue: Problems when you are unable to pay

Complaint: I have been dealing with Security Finance for sometime and I try to keep my account up to date as possible. They are not very understanding and they are disrespectful. Some things that happen in life you have no control over. They will not accept partial payments and constantly harass you. My circumstances have changed and I ca n't afford the $ XXXX monthly but they do not care and continue intimidate 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 03-09-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to refinance my home since XXXX with Ditech. After several months of going back and forth with documents needed, it seems they continue to add additional hoops to jmp thru every step of the way. I was working well th someone tere and complained to their manager about their poor service. The manager never responded to me. They are not assisting me on their end and progress has halted. This has been going on for 6 months and I do n't feel that they care. I 'm not trying to get money back, I am just trying to get a better rate than the one I signed up for in XXXX. I have kept all of the emails that have been exchanged and would be glad to forward anything to you. The last issue was getting some documentation from the other lender on my XXXX split. That lender was unsure of what documents Ditech wanted. Originally, I was to give apprval to XXXX for Ditech to speak with them about what was needed. XXXX does n't do that, but said we can have a conference call with me on the phone, so that Ditech can get what they need. No movement has happened since. I threatened to file a complaint and they responded repeating the same thing against n. I then responded with the same information. I have n't heard back from anyone since XXXX. This seems unfair and i feel that I am being mistreated. I have always paid my bill and I feel that I am getting the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: a judgement was placed against me and funds taken from my bank acct. when summoned to court, all funds where returned due to violation of FDCPA. judgement was not released at that time, i filed for revocation of judgement and it was satisfied. collector still reporting to credit bureau i owe twice as much.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Group has reported a collection action to all XXXX credit reporting companies on behalf of XXXX for {$770.00} as of XXXX XXXX. I know nothing about the account, services provided, I did authorize or guaranty any account with XXXX. I have never received a bill, statement or demand for payment, description of time and place of services, etc. I have been turned down for a home equity loan by XXXX which is how this came to my attention. The only other negative filing on my report is XXXX 30 day late payment on a revolving account. I have repeatedly requested that all XXXX reporting companies to remove the erroneous and fraudulent filing from my reports. The only response I have received is to note that I dispute the collection action and that it will remain on my reports until XXXX XXXX. My primary remaining remedy, other that filing a lawsuit, would be to file documentation supporting my position. What documentation might that be? In other words what documentation could I be in possession of in connection with an account that I have no knowledge of?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/13/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (IN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My husband and I currently have a home equity line of credit ( HELOC ) with JP Morgan Chase. It is at the term end, and we decided to renew the line. When I received the information regarding our credit scores, I knew they were incorrect. 

Chase noted they had used Equifax as their credit score provider. I ran both my husband 's and my Equifax scores and found discrepancies between the scores Chase reported and our actual credit scores. Chase reported my husband 's XXXX score as XXXX. The XXXX score I ran was XXXX. Chase reported my score as XXXX. The XXXX score I ran was XXXX. That is a 24 point difference for my husband and a 41 point difference for me. Just as a reference, I also pulled my FICO score which was XXXX, which is still a 27 point decrease. 

I inquired why the scores were so drastically different, and the Chase representative stated they used the XXXX score and then factored in the loan we had yet to take. This means the score Chase reported to us was NOT an XXXX score. It may have been loosely based on an XXXX score with a Chase specific algorithm applied? Although if that were the case, the scores should have been affected equally not a three percent decrease for my husband and a five percent decrease for me. 

Chase uses credit scores to determine interest rates and terms. The differences in credit scores mean a difference in loan terms. An " excellent credit score '' may be prime plus .25 %, and anything less than that may be prime plus .33 %, .50 %, .75 %, etc. That can be tens of thousands of dollars over the course of a loan. 

While this artificial deflation may not affect those people solidly in the center of the credit score brackets, it significantly affects those on the bubble. For example, if the true credit score is XXXX, which is the bottom of " fair credit, '' the artificial deflation would sink the score into " poor credit '' which will garner a higher interest rate or possibly a loan rejection.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My original debt was with    XXXX   XXXX   XXXX  .  My debts have now been transferred to   XXXX   XXXX    without my approval.   XXXX   XXXX   terms and agreements are different. I have not been giving any information on what their terms and agreements are. Continuously, they are attempting to get me to do a forbearance when I say I can not pay, instead of trying to give me options to get out of this debt. My hole just continues to get deeper and deeper I believe in access o f   XXXX   XXXX   ju st in finance charges alone. Also, sometimes they will send me email stating that they have already placed me in a forbearance without me approving. When I have made several attempts to collect information or try to find the best option for myself pertaining to this debt I just get transferred from department to department with no resolution other than another forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with Alliance Data Card Services (VA).
Issue: Other fee

Complaint: I signed up for a store card at Gander Mountain in XXXX before christmas. I provided my address and email address when I signed up. I signed up under the understanding that I would receive a bill and that there were no unreasonable fees or interest rates. At that time I charged a {$18.00} item to the card. 

I never received a bill so I went to the store XX/XX/XXXX to find out what was happening and pay off the card. The store clerk was not able to process the card and told me to contact the bank directly. I signed up for an account and discovered that they had charged me a {$18.00} late fee on XX/XX/XXXX. They also added a {$1.00} minimum charge. I never agreed to that interest rate or fee schedule and I was told that there are no regular fees. 
They have since then charged an additional {$23.00} Late fee and {$1.00} minimum charge. 

The outrageous fees and lack of billing transparency should be illegal. The bank is Comenity bank. The Retail customer is Gander Mountain.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2016 I noticed my debit card was lost. I called Bank Of America immediately checked my balance and it was off. I spoke to the fraud department and filed a claim for XXXX transactions for the amout of {$500.00} each which equals to {$1000.00}. The transactions were made from a XXXX XXXX ATM on XX/XX/2016 @ XXXX XXXX. My claim was denied even after i had filed a police report on XX/XX/2016 with the city of santa fe police department. I reopen the case on XX/XX/2016 at XXXX and was denied again. I tried all i can to speak to them about the claim and they tell me that unfortunately they are not the ones working on the claim but will put notes for the individual working on my claim. I asked multiple times if the person working on my claim can please give me a call back which i never received. I did speak to several supervisors and all would tell me the same thing that since it was not a Bank Of America ATM they have no rights to view footage. They told me i had to get that done on my own so I went to the XXXX XXXX where the ATM was at and spoke to several bankers and managers they did me the favor by contacting their fraud department which they could n't do that for me I had to have a subpoena in order to view the footage from ATM. they told me that was strange that BOA should of taken care of it, they can also view footage with subpoena each bank have their own lawyers. Well, i was running up and down calling places, I have invested a lot of time in this whole mess, i had sleepless nights and just overwhelmed overall. My account was closed by them due to it was on the Negative {$76.00}. I had kept the account open due to they said i had to remain my account open since there was a claim. I was very upset with their service i took the money i had left over. Over time the monthly fees accumulated and so did Overdraft fees which was what caused me to go negative. I feel that all my rights as a BOA consumer have been violated. Claim Number is XXXX My account number is 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 11/30/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: ***CRIMINAL FRAUD BY XXXX XXXX , XXXX XXXX , XXXX XXXX FAILURE TO MAIL MONTHLY STATEMENTS IN XXXX LYING TO CFPB ABOUT RESOLUTION*** LOAN SERVICING FRAUD**** CRIMINAL THEFT****FAKE CUSTOMER SERVICE**** ILLEGAL ATTORNEY FEES*** ILLEGAL INSPECTION FEES *** ILLEGAL LATE FEES *** CRIMINAL FRAUD *** NATIONSTAR TOLD THE CFPB IN XXXX THAT WE AGREED TO A RESOLUTION. WE PAID AS AGREED BUT NATIONSTAR KEPT A BALANCE ON THE ACCOUNT AND THEY HAVE COMTINUED TO ADD LATE FEES, ATTORNEY FEES AND ILLEGAL FEES OF OTHER KINDS TO A LOAN THAT IS CURRENT WE HAVE ASKED COUNTLESS TIMES TO HAVE IT CORRECTED BUT THE AMOUNT CONTINUES TO GROW AND THEIR ARROGANCE GETS BOLDER EACH MONTH AS THE ILLEGAL FEES CLIMB THIS IS NO ACCIDENT OR OVERSIGHT. THE ENTIRE COMPANY IS A FRAUDULENT CRIMINAL SCAM PROVIDING NO VALUE WHATSOEVER TO ANYONE THEIR CUSTOMER SERVICE IS NOT ONLY THE WORST IN THE INDUSTRY IT IS INTENTIONALLY MISLEADNG XXXX XXXX, XXXX XXXX, AND XXXX XXXX HAVE ALL LIED TO THE CFPB IN THEIR RESPONSES. FRAUD HAS BEEN PROVEN AND CONFIRMED BUT THESE EXPERTS IN CRIMINAL CONVERSION HAVE PENCIL WHIPPED NUMEROUS CRIMES INTO A FALSE STATE OF LEGALITY. 


LOAN ORIGINATION FRAUD IS ILLEGAL. PREYING ON MINORITIES, LESS EDUCATED AND ELDERLY USING FRAUD IS ILLEGAL. LOAN SERVICING FRAUD IS ILLEGAL. ... XXXX, XXXX AND XXXX ALL HAVE STATED IN WRITING, HOWEVER, THAT CRIME IS LEGAL WHEN THEY SUPERVISE IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Trouble during payment process

Complaint: On XX/XX/2017 my home had a water damage loss. Reverse Mortgage Solutions received the first insurance company payment in XX/XX/XXXX and a second in XX/XX/XXXX. They did not send payment for repairs until mid XX/XX/XXXX. They sent 30 % and told me the balance would be sent after repairs are completed. How can they expect 100 % completion with 30 %? Also the water damage invoice from XXXX has n't been paid. They completed their work in XX/XX/XXXX and now are threatening a lien on the house. RMS has asked for and received multiple copies of documents requested but keep saying that they do n't have them and then saying they need more documents and signatures they did n't ask for initially. Their delays have resulted in additional damages ( mold ) and additional living expenses. I have spoken with multiple people multiple times and never get the same answer twice.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Debt collection (Credit card) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continued posting to my credit report unde Pinnacle stating I had this debt in XX/XX/XXXX then re aged debt to XX/XX/XXXX, XXXX stated it was fraudulent and then sent letter stating nothing of what they said they would do Both companies XXXX and Pinnacle are ruining my credit. It is the only negative item in my report this is costing me XXXX in trying to buy a home please see below. I need a delete letter from pinnacle Thank you

Company response to consumer: Closed with explanation