milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: in XX/XX/XXXX my credut report clearly shows im register owner for realestate, finance, insurance, amusmentXX/XX/XXXX my mutual fund forged fraudlenty traded by citigroup, XXXX XXXX citigroup fraudulenty underwriting commercial property from XX/XX/XXXX-XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: TransUnions investigation about my debt dispute with XXXX did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.

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 02/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On or about XX/XX/2015 I ordered some gold and silver from a company in Texas. I gave them a credit card number, they took my money and since then I have called the company several times. They told me the gold and silver I ordered was not in yet but would be sent to me as soon as it came in. I continued to call regularly and they gave me the same story, so I waited patiently. I have XXXX telephone numbers for that company and upon calling them the last few days, I got a recording that those numbers have been disconnected. Today I called my consumer finance person in my state and he said after investigating, it appears that company is no longer in business. It appears I am out a lot of money and have nothing to show for it. I am hoping to have the company investigated and have my money returned to me as I am sure, now, that I will never see the gold and silver.

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 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian refuses to properly verify and investigate my XXXX disputes. They have, on many occasions, sent me hurtful and frightening letters accusing me of sending them suspicions letters and requests when all I am asking them to do is investigate and remove XXXX prematurely placed Tax Liens from the public records section of my file. TAX LIENS ID # XXXX and # XXXX are no longer reported in the courts as they were accidentally placed before the the due taxes were received. the courthouse and the county clerk have since been filed them as invalid and they have been removed. Experian 's is also required to delete these XXXX items. These public record items are no longer valid or legal. I have spent so much money sending them correspondences, ID 's, social security card copies, bank and billing statements and they continue to give me the run around. They have verified XXXX items that are no longer under my name and refuse to remove it. How are they verifying these items? I have requested them to provide me the PROOF and some EVIDENCE so that I know and see for myself that an investigation has occurred but they refuse to answer me or correspond to my requests. They have NOT conducted an investigation and i fear that they will continue to tarnish my great record because they do not want to help me and that they have no way of proving to men that they are properly investigation my disputes. They are causing me so much emotional and financial hardships and they continue to accusing ME of wrongdoings. I need the help of the government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: on XX/XX/2017 XXXX XXXX sent me an email to view current auto refinance rates. I viewed the link to see what the current rates were and it sent my information to " XXXX XXXX '' and " XXXX XXXX XXXX '' as a hard inquiry and dropped my score by XXXX points! I never filled out any applications to do this. I disputed the inquiry with the credit bureaus and the hard inquiry was removed but my score remains the same. I want my points to be added back to my credit score.

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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: i have a student loan with NAVIENT, upon looking at my credit report i noticed i have 14 missed payments from NAVIENT. I recently called them up to set up a payment plan to get ahold of my student loans. It was expressed in the past that i had a rough time after graduating college so i was going to be unable to make payments. I was told that i would be able to put my account in Forbearance. it was explained that it is a period during which your monthly loan payments are temporarily suspended or reduced for a year. During this time i was trying to work, i did not have access to a phone, email barely had a place to live. When i finally got a part time job i was able to turn my pre paid phone on and i was contacted from NAVIENT, i put my account in forbearance for another year so i can get on my feet. The issue today is when having my account was in forbearance NAVIENT reported me to the credit bureau and stated i have missed 14 payments. This is inaccurate information. I recently called NAVIENT they stated they can not help me stating their records indicate they tried to contact me, i explained i had no means of communication, due to me not working i had no phone, also i was under the assumption i was good with my student loans since i was told my account was in forbearance. A representative from NAVIENT said " send a letter to the credit bureau attached with my credit report and dispute it '' that is all she could assist me in today. 

The fair outcome would be to take off the late payments that NAVIENT claim i missed. I currently work for the state and i am able to make my payments. I am up to date on my payments, enrolled in auto pay and i pay extra on my loans each month.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I opened an account in XX/XX/XXXX with ToysRus/ Synchony Bank . I tried making several payments inXX/XX/XXXXand XX/XX/XXXX on this new account. Both payments were returned to me as the new account was closed. I called customer services of ToysRus/ Synchony Bank to complain that my payments are not being accepted. I was informed by customer services that my original account was inadvertently closed and that I will be issued a new account. I was issued a new account ( # XXXX ). I made a payment inXX/XX/XXXX via customer services. XX/XX/XXXX I was notified that my account was delinquent. This mix up with my account with ToysRus/ Synchony Bank is more their doing, as I made attempts to make payments and they closed the account unbeknownst to me. My credit has recently declined because this account with ToysRus/ Synchony Bank is listed as a delinquent 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 monetary relief
Consumer complaint received 09-11-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been paying my mortgage without missing any payments and my mortgage company send me a letter on XXXX saying that I own them money and I send them proof of payments made and cashed by them since then and I have no answer from them. they keep sending asking about all that money and they hired a lawyer to star foreclosure I send the lawyer all the proof of payments no answer from them neither and the mortgage company is not accepting my monthly payments I keep sending them my normal monthly payment and they send it back to me because they said I have to pay total amount I own. since 3 months ago they are sending me back my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NC).
Issue: Settlement process and costs

Complaint: My VA Representation confirmed my VA Liquidation guidelines were approved. The Servicer, Penny Mac, will not honor my approved Liquidation. I am currently doing a VA short sale, as to I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Credit decision / Underwriting

Complaint: My loan was with XXXX and then Green Tree purchased it from them. Ive had a loan mod. through Harp and have been thru bankruptcy. Since my BK Green Tree has harassed me calling me to see when i will be making my payment, even though Ive never been late since they took over. They are ruining my credit by not reporting my payments on my credit report it says derogatory and no payment history. I believe I am a excellent customer and they are a predatory lender with no scruples. I have worked hard to save my house and rebuild my credit but this means nothing to Green Tree Servicing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX and again XXXX my identity was stolen. In XXXX XXXX Walmart started reporting a second card, even though the first one was reported stolen. I obtained a police report. My card was at a 0 balance when stolen, the person ran up 1600+ worth of charges XXXX XXXX XXXX XXXX has charged me over 600 in fees and agreed to remove an additional {$250.00} over that. Currently the balance is showing XXXX, limit XXXX. Both cards reported negative at the same time same months ... so the opened the second card while the first card was still out there ... both have delinquencies showing. I have sent Walmart police reports more than once and they declined to remove the card from my credit. Then they agreed removed it for 2 months and placed it back on my credit with both cards showing a balance. Currently it is reporting just one card as delinquent and they other one with the final month showing 30 days late. Mind you I have no negative credit from any other lenders or creditors. All my bills are paid in full. I actually called Walmart and said I know I didnt charge these items but would like to make a settlement - this was declined. They want me to pay the full amount I sent them a police report for and all of the late fees and interest over 600. 
At this time, this is the only negative account on my file. I have tried everything short of paying someone elses debt. There is also an inquiries as a XXXX XXXX which isnt me, 5 wrong phone numbers. I need assistance in getting XXXX XXXX off my credit and for these people to leave me alone and stop applying for new credit cards to add inquiries to my file as punishment for not paying the account off. This needs to stop here. Please help me. Mortgage loan is pending the outcome

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 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion has sent me a copy of a document dated XX/XX/XXXX which they claim confirms the tax lien which I am disputing is valid and legally allowed to be reported to my name for a dispute in XX/XX/XXXX. I am flabbergasted at this companies actions and terrible investigate work in verifying a dispute dating all the way to XX/XX/XXXX until today with a document dated nearly 5 years old. They have repeatedly threatened me on the phone and by mail that I am NOT allowed to dispute this item any more. I believe that this is another attempt to lie and fool consumers into shutting up and going away. This lien is no longer under my name I demand that Transunion send me the PROPER and CURRENT documentation if they disagree. I want my signature, my tax returns verifying that I owe anything to the STATE as late as XX/XX/XXXX will be acceptable in avoiding litigation. I want the proper and current dated documents mailed to me certifying and verifying this lien as mine. I want to know who they spoke to and if they forwarded the documents I sent the showing the withdrawal of the lien. This lien was negotiated and paid in full through the 'reconveyence program ' though monthly installments. I have spoken to the Franchise Tax Board personally and they have informed me that they have not received any documentation or calls from anyone at Transunion. Please delete this withdrawn, inaccurate and invalid lien from my credit report immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Payday loan, title loan, or personal loan (Payday loan) with A & O Recovery Solutions, LLC (TX).
Issue: Can't contact lender or servicer

Complaint: I prev submitted a complaint on XX/XX/XXXX they keep calling my work number. Now its a different company. XXXX XXXX XXXX XXXX XXXX. they said I owe XXXX and they are welling to take {$1000.00} right now. I told them that I had paper work that should that I paid this off. this was take in XX/XX/XXXX I paid back XXXX in full they say I did not. they are threating me. When I told them I had paperwork they said all find and dandy but if I did not give them bank info they were going to note that I was not willing to settle and would have a sheriff to serve me. they call from XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 09-03-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (PA).
Issue: Account opening, closing, or management

Complaint: Paypal has restricted my account, preventing me from making any changes to the account or even closing the account, and preventing any transactions on the account, until I provide a copy of my photo drivers license and recent utility bill. Paypal has refused my verbal and written requests to provide their information security policy and procedures for my review so I can determine if they can be trusted to protect my personal identifying information from hackers or others intruders into their systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have been trying to get a financial record from Navient regarding my loan consolidation, XXXX loan forgiveness granted and additional funds that a particular university claims they sent me a check in the mail directly. I have been asking Navient, Working with an Ombudsman for months now. The Ombudsman says that he is having the same difficulty obtaining the the documents. Now, I am being called about 5 times per day and threatened about default from Student Assistance Corporation. They have sent me paperwork for forbearance. I am supposedly on Income Based Repayment with Navient? I do not want to default on my loans, but I want to see the accounting for what they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I made a transaction with auto transportation company and they charged my ( credit account ) {$140.00} on XXXX /2016. I made payment of ( {$720.00} ) on XX/XX/XXXX/2016 to my credit including the aforementioned amount. On XXXX/XXXX/2016 my credit account balance was ( ZERO ). 
Later I cancelled my order with the transportation company and asked them to refund me my money to the credit account, and they did so. 
I contacted credit company and asked them to transfer the ( refunded {$140.00} ) to my checking account because this amount is ( MINE ), and they did so on XXXX/XXXX/2016. To this point the credit company and me are even and there is no debit on me. 
Later on I saw that the credit company ( CHARGED ME AGAIN ) the ( {$140.00} ) and they added it to my balance. I visited XXXX branches of Bank of America several times, I called credit company several times but they did n't solve the problem. 
The credit company wants to charge me ( TWICE ) for a debt that I 've already paid. 
Please help me, I 'm a low income person and I do n't find money in the street, I work hard to earn my money and I want my {$140.00} back. 
Best regards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maine, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX, I learned that I was among the millions who had their data compromised by the Equifax hack. The massive leak was discovered on XXXX XXXX, but reporting took over a month. 

Equifax has offered a protection service, but included an arbitration clause, which I am unwilling to agree to at this time. 

I have ( through another reporting service ) placed a 90 day fraud alert on my file, in case the worst happens. 

I understand that Equifax was the victim of this hack, but their sole job is to keep consumer information safe and secure.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My data, including SSN and addresses, was stolen as part of the major Equifax hack. In order to receive the free credit monitoring service through Equifax, they are requiring I waive the right to participate in a class action lawsuit. I do not wish to waive that right, so I am not able to receive any recompense for their improper security measures.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I had a loan with XXXX Bank. The loan was serviced by GMAC. They foreclosed illegally through a local attorney. I plied for a loan modification. They said I qualified. I just had to pay the {$17000.00} in missed payments to activate the modification. They then proceeded with the foreclosure process. They collected insurance, collected money from the sale of the property and got Federal Bailout money. Eight years ago when few people realized yet the extent of the mortgage meltdown and the extent of wrong doing by many banks it was difficult to get a fair shake. I had to leave my home of 16 years. Can anything be done now?

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My repayment schedule that was provided by Navient does not match what is actually being withdrawn from my account. They are withdrawing more and I keep asking them why, and they say it was because of the forebearance that I had done a couple of years ago is now catching up. But I have been paying on time and hasnt missed a payment for 3+ years now, even making more payments than the usual, and I 'm still not ahead based on their repayment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MA).
Issue: Problems caused by my funds being low

Complaint: I made a payment on my checking account for my credit card. My deposit did not credit until the next day. This caused my bank account to overdraft XXXX The next day I credited the account but still have an overdraft fee. I ca n't afford to pay this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
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: Santander has failed to report my monthly payments to all   XXXX   credit bureaus.I 've contacted Santander through mail and through phone but I was given the run around. I want my loan lease to be reported every month or else I will change my car loan finance.

Company response to consumer: Closed with explanation