milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDMARK FINANCIAL SERVICES (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account with Lendmark was paid in full on XX/XX/XXXX. The amount paid was {$6900.00} in the XXXX, VA office. 

The account was then reported delinquent on XX/XX/XXXX and I called the office at XXXX XXXX XXXX and spoke with the branch manager XXXX XXXX who informed me the acct is not reporting late and she did n't see it on XXXX. At that time I started a dispute with both XXXX  & XXXX. 

On XX/XX/XXXX I received notification that the account with from a derogatory status to a current status.

On XX/XX/XXXX I received notification that the account was closed.

On XX/XX/XXXX I received an alert that Lendmark was reported back on my credit file, acct opened XX/XX/XXXX. 

I did not attempt to call the office as the branch manager acted clueless about what was going on.This acct is closed and I have all the documentation but yet Lendmark keeps reporting different information to the credit bureau that is affecting my credit score. 

Please investigate this financial institution and coach them on better credit reporting. I should n't have to go thru this much headache when I close an account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: My loan servicer is in " breach-of-contract '' of a modification I completed back in XXXX of 2013. At that time my monthly loan payment was XXXX. However, the very next month after the modification took effect, Ocwen began increasing the payment to an unmanageable amount. It stands now at {$810.00}, too much for someone on a fixed income to pay. Ocwen has been denying it did anything wrong for years. Now, something must be done! Under the most recent settlement agreement, breaking a modification agreement is punishable by fines and other remedies. In addition, recently Ocwen has attempted to get me hooked up into another high-payment modification, which is only {$27.00} less than the current payment it has set for my mortgage. This is an outrage!! People 's homes, that they 've invested their life-savings in, are in jeopardy. Please do something now! To make matters worse, Ocwen has transferred my loan to not XXXX, but XXXX different loan servicers, XXXX right after the other. This has occurred within the last two weeks. The State of TN had been paying my mortgage payment, but that ended last XXXX. In order for me to pay, the original modification must be enforced. 

The recent Federal lawsuit and ruling against Ocwen states that it can not breach modifications on loans where at least XXXX payments have been made. Nor can it transfer the loan, multiple times, and/or abandoned modification agreements. As such, I am requesting that the CFPB enforce the Federal ruling against Ocwen, on my behalf, per the law!.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: IN THE PAST 3 MONTHS I HAVE PAID ALL MY CREDIT AS WELL MY XXXX COLLECTION > I BELIEVE THAT MY SCORE IS NOT REPORTING PROPER > WITH ALL DEBT PAID OFF ONLY OWEING AUTO AND SMALL PERSONAL LOAN > NO RC. MY SCORE SHOULD BE EASY IN THE XXXX RANGE AND NOT THE MID XXXX XXXX. FICO NEEDS TO RELOOK AT MY CR AND SEE WHY IS STILL THE SAME AFTER PAYING ALL MY DEBT OFF.

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 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have Navinet and was told I had to do a forbarence in order to bring my account current to do the IBR. They reported my payments of IBR and it lowered my credit score. I pay my bill through their site which is now no longer working and they say I am missing payments. I ay what the online says each month. Apperently not all of my accounts are in one profile? I do not know where my payment is going? Site just went down this month.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XXXX check amount {$48.00}. I closed the account due to fraud. Need this to be removed and deleted from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX Inquired because someone is trying to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Problems when you are unable to pay

Complaint: In XX/XX/XXXX, I purchased a XXXX at XXXX in XXXX, IL. After a divorce and being stuck with her medical bills, I filed bankruptcy in XX/XX/XXXX, where I had the vehicle reaffirmed in the process. I moved from XXXX, IL, to XXXX, IL in XX/XX/XXXX, and since my loan was sold to Citizens Bank, I contacted them to change my address. 
I continued to make monthly payments of {$280.00} each month toward the balance of the car, until XX/XX/XXXX. At this time, their website said, " I no longer had an account, '' and was told to contact their customer service number. I contacted the Citizens Bank Customer Service and spoke with a gentleman where he told me that my loan was paid off and it could take up to 6 months to receive the title. 
I called back in XX/XX/XXXX, and inquired about the whereabouts of the title of the XXXX. They proceeded to transfer me three times, and finally, spoke with a XXXX from the bankruptcy department. She proceeded to tell me that due to my bankruptcy, my account was " charged off '' and no longer valid. She also stated there was an outstanding balance of {$3600.00} and this must be paid before receiving the title of the vehicle. I was upset with the institution because I was never once called, never once contacted by anyone at the bank due to a lack of payment and since I was told I 'd be receiving the title, I did n't contact them any further. I 'm upset with the fact that I was never contacted since stopping payments towards the vehicle, and now was told that since my account was charged off, they did n't have an obligation to notify me. 
Finally, I looked back at my paperwork from the original loan and it does state that there would be XXXX installments on loan, but XXXX told me that once I filed bankruptcy, terms of the loan should 've been re-negotiated and they never were done so. She said that my bankruptcy attorney should 've informed me it was my responsibility to contact the institution to negotiate terms of a new loan despite the fact I continued to make online payments for the next 3 and a half years after the completion of my bankruptcy hearing. I was told the only way to pay now was over the phone as they would n't contact me unless the car was to be repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Portfolio Recovery Associates has reported to all three credit reporting agencies that I am delinquent on a debt in the amount of {$3100.00}. This company has reported this since on or around XXXX XXXX. I dispute the validity of this company 's reporting and request that this information be removed from my credit report with all three agencies immediately. The bases of my complaint, in summary, are as follows : 1. I never received notice from this company that they purchased this debt. The very first notification I received was in XXXX XXXX. I submitted a complaint with respect to this and the company failed to address this aspect of my complaint at all but " completed '' its investigation. 
2. This company reported to all three credit agencies that the first time I was delinquent was XXXX XXXX. I demand proof that THIS company even owned the debt at that date. They are reporting delinquency of a debt they did not own in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello, I contacted Navient customer support on XX/XX/XXXX regarding a loan discrepancy that I recently discovered. A representative advised that I reach out to an advocate and provide documentation. The advocate has provided no response in this matter. Your assistance would be greatly appreciated! 

I have a Signature Student loan with Navient for {$12000.00} that was not fully dispersed to XXXX University, although it shows that I have been repaying with interest for a significant length of time. I withdrew from classes weeks into the first semester. The documentation provided by XXXX University shows the effective withdrawal date of XX/XX/XXXX, associated fees, and refunds. 

This {$12000.00} loan should not exist as I did not attend XXXX University - this is absolutely an error on Navient 's behalf. 

XXXX UNIVERSITY NAVIENT PRIVATE LOAN TRUST Signature Student ( {$12000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: faxed two letters to Equifax to have a judgement removed. and it has not been removed.  XXXX  and  XXXX  have removed the debt. The debt has been paid and is no longer owed. I have my expungement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (ND).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The creditor called me XX/XX/XXXX @ demanded payment in full ... I paid the outstanding balance of {$1400.00} XX/XX/XXXX. In  XX/XX/XXXX the creditor appeared on my credit reports for all the agencies as {$1400.00} being charged off in XX/XX/XXXX and that amount still being owed to the creditor. I filled disputes, it is removed and a month later it is back on. I called the creditor and they found it was paid in full in XX/XX/XXXX and agreed to correct the information with the credit bureaus but it is still on my credit report. Creditor is XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: So I pulled up my account on  XXXX  and I noticed  XXXX  hard inquiries on my report within the last 6 months. Half of them I do n't even recognize or was pulled without my consent. I do n't even know what  XXXX  is to begin with. There are way too many inquiries from   XXXX   XXXX  . I do n't have an account with  XXXX   XXXX   XXXX ,  XXXX   XXXX , or  XXXX   XXXX . Because of this I ca n't get approved for a new credit card that has good approval ratings as I have too many inquiries created in an abnormal amount of time or get a loan. I have been paying my card back on time every month so m y credit score shou ld n't be  XXXX . It should be well over  XXXX  or  XXXX .     I will list them below :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 explanation
Consumer complaint received 11-08-2016 about Payday loan () with Midwest Recovery Systems (NC).
Issue: Charged fees or interest I didn't expect

Complaint: I 'm not even sure the original company that issued the payday loan. Which every company it is, it has been well over 5 years ago when I discovered that these payday loans were issued illegally in the state of NC. A few days ago I received a notification on my credit report that I owed MIDWEST RECOVERY SYSTEM. After researching them, it shows that they are trying to collect on a payday loan. I used the XXXX complaint system to have them remove this account from my credit report as their contract was illegally issued in the state of NC. XXXX however only updated the account saying it was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Credit card) with CAC Financial Corp (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Contacted me at work after I asked them not to.

Company response to consumer: Closed
Consumer complaint received 09-05-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Trouble during payment process

Complaint: I made my mortgage payment over the phone on XXXX XXXX, 2017. i successfully gave them my account # and routing #. I received a confirmation code that the payment was successfully processed. I was traveling for work and pleasure the next couple of weeks. But i was domestic and my phone was working the entire time. I arrived back from my vacation to threatening letter from Chase Bank saying my payment was n't received. they never called me once to let me know. I have been making successful payments for 15 years to Chase ; i have never been late FYI. Right when i was made aware of the problem i made another payment to chase and i am currently up to date as i have been for 15 years. 

Chase reported me late to the credit agencies and it reduced my credit score to XXXX from XXXX i have been working for 15 years to get that credit score. 

I have tried calling them 4 times and got all the way to the executive team to try and resolve myself. ( they kept on saying they would call me back after investigated but every week i keep on calling them to no avail ). But they tell me that chase did nothing wrong and they cant change it to the credit agencies. But they waived all the fees and said sorry. On the recording they said i only gave them 5 account # 's. Every bank account in america has more then 5 numbers. i think maybe the phone cut out and the rep did n't hear me. the rep should have asked me to repeat the number and why did they give me confirmation code????? they also did n't call me to let me know that it did n't process. numerous chase errors. They tell me the only way to hear the internal call is to sue them and get it thru court. this is crazy. i tried to make my payment on time and i need your help. Chase is terrible and i am sure they receive numerous complaints. please help i have no other options. best XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently tried to get an apartment in my name. A apartment complex reviewed my report and informed me that I had a debt in collection from  XXXX   XXXX , a apartment complex in  XXXX  TX. I 've never stayed in  XXXX  before and do n't know where this debt came from. I called the debt collection agency, Profession Debt Mediation ; they informed me that someone named  XXXX   XXXX  had opened the account with  XXXX   XXXX . He used my social security name in order to open the account. My name is  XXXX   XXXX , phone number  XXXX  address  XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX   XXXX , TX  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 09-11-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: Chase sent letter stating the restructure of interest only loan to principle and interest loan which more than doubled our payment to over {$2400.00} a month beginning in XXXX. We contacted them for assistance right away. Completed paper work twice, to no avail. They switched case manager in middle and started again. Had never had a late payment ever until XXXX, when my SS benefits could n't cover increase.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with One Source Technology (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: These agencies are giving the wrong conviction of my criminal background. My final conviction was a XXXX, not a felony.

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 06/24/2015 about Credit card () with DISCOVER BANK (PA).
Issue: Forbearance / Workout plans

Complaint: In a attempt to clean up my debit with discover I agreed to a XXXX time payment for this monthly only of XXXX   and XXXX a month starting next month the company took XXXX this month causing overdraft fees and causing me to have to pay XXXX per transactions  that bounced. I never agreed to XXXX this month. To make matters worse they refuse to fix the problem and the number they gave me to call for any problems is not available during the hours the  rep told they were open. I spoke with a manager at discover XXXX call center named XXXX and he refused to help or transfer to the general manager and told the problem would not be fixed  for days. meanwhile my account is still racking up charges..

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with SYNCHRONY FINANCIAL (HI).
Issue: Advertising and marketing

Complaint: On XXXX XXXX, 2015 we decided to purchase new appliances from Lowe 's in XXXX ( XXXX # XXXX ). The total amounted to {$5100.00}. I offered to pay for these items with my existing XXXX XXXX to earn miles on XXXX XXXX, this is what I usually do for any large expenditure. However, I was advised to apply for a Lowe 's credit card to receive an additional 5 % discount off our purchase. That additional discount would amount to approximately {$250.00}. I was approved for the Lowe 's credit card at the Customer Service counter then proceeded in finalizing the transaction. Since the transaction was a bit complicated, it was n't until I got home and later reviewed our receipts that I noticed we did not receive the 5 % discount for using the Lowe 's credit card. I have emailed Lowe 's customer service, spoke to the Assistant Manager, requested assistance from upper management but to no avail. Now they do n't return phone calls and my only communication is with Lowe 's Customer Service, located on the mainland. 
I would have never applied for a credit card that charges 24 % + interest if I were n't able to receive a XXXX % discount. I have other credit cards I prefer to use. I believe we were misled and ill advised. In the promotional material from Lowe 's at the store and in the mailings I have received from Lowe 's when I received their credit card it states " XXXX % off every day. ''

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 03/24/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I checked my credit report and found this collection on my report. I have no knowledge of said debt and would like documentation to back up their findings. I assume this is medical by the name and MED in the creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a judgment on my credit report with Equifax and they did not remove the judgment from my credit report. The judgment was filed in New York state and New York state law dictates that a judgment shall only be reported for 6 years. I called and spoke with the representative and he hung up on me when he was unable to resolve my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I HAVE APPLIED FOR AMERICAN EXPRESS SEVERAL TIMES I WAS TOLD THAT BECAUSE OF MY XXXX BK IN XX/XX/XXXX I SHOULD NOT BOTHER APPLYING, BECAUSE AX WAS PART OF MY BK ... ... ... ... ..REGARDLESS OF MY SCORE. I CONSIDER THIS DISCRIMOINATION OF PAST EVENTS. THAT IS WHY ITS PROTECTION UNDER FEDERAL LAW, I CAN NOT BELIEVE THEY TOLD ME I WAS STUNNED IN XX/XX/XXXX THEY SAID THIS ... ... ... ... ... ..

Company response to consumer: Closed with explanation