milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  's client  XXXX   XXXX  is an identity theft victim. Someone used his information to try and establish several credit accounts,  one  being with  Capital One.  A fraudulent application was submitted and  Capital One  generated an inquiry with each of the  XXXX  credit bureaus  XXXX / XXXX /  XXXX   from  Capital One .  XXXX   XXXX  notified  Capital One  of the fraudulent attempt and requested the application be stopped and the inquiries be removed. As of  XXXX / XXXX /  XXXX   the inquires remain with the bureaus ;  XXXX  has attempted to dispute the inquiries as fraudulent on behalf of our client as outline in the FCRA however  Capital One  is preventing third party assistance and is still reporting the inquiry data after being notified it is fraud related, which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have over {$80000.00} in private student loans from Navient alone. My student loans total over {$150000.00} altogether. I have been dealing with XXXX XXXX, now Navient for 6 to 7 years now. I have been in deferment, extended my payment terms, gone on income-based repayment plans, and gotten reduced interest for a limited amount of time so I could afford to pay my student loans. This last year my private student loans went up to {$640.00} a month and I called to get back on some sort of reduced payment plan. I had to provide details like how much I make and all the payments and costs I incur month to month. I was told I was not approved to get the help because I had too much disposable income. Let 's see, I take home roughly {$1600.00} a month. I already pay {$700.00} in student loans not including the {$640.00} they wanted me to pay. I do not pay rent or utilities because I have to live with my mom so I can afford to pay my student loans and other bills and necessities. They estimated that if they included the {$640.00} in my monthly payments, I would have {$100.00} surplus. What if I needed to go to the doctor and pay for a couple prescriptions? That could easily blow through that " disposable income. '' When I told the Navient employee that was n't much to live on, he said, " well you do n't pay any rent, or utilities or anything like that. '' This upset me and I told him, " I do n't want to live with my family, I do so so I can afford to pay my student loans. So are you telling me that I can move out and rent an apartment and live the way I want, and because I am spending more that can not go towards student loans you would be able to lower my interest rate and payments? '' He said, " Well I probably should n't say this but yes. '' I hung up the phone and started crying. I keep trying to do the right thing and make it work and they are no help. I have been struggling to pay the {$640.00} for months now and I just realized that entire amount is going only towards interest. I just received my Student Loan interest statements for 2016, and I paid over {$13000.00} in student loan interest, and probably paid less than {$1500.00} in principal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had service with XXXX. Contacted XXXX before I went on cruise and was assured that I will not be charged extra charges for my phone service. I came back off cruise and receive a phone bill for XXXX for charges XXXX claim came from XXXX cell towers. XXXX XXXX the charges were billed to my sprint account from carnival. No where in my contract about third party billing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with CAVALRY INVESTMENTS, LLC (MA).
Issue: Sale of account

Complaint: I am being sued by Cavalry SPV I , LLC, who claim that they purchased an alleged debt from XXXX XXXX. 

Documentation they provided at the pretrial hearing does not show proof of ownership, or how the alleged amount of debt was calculated. 

They have provided a bill of sale from the original creditor stating that all accounts in Exhibit A were sold/transferred to Cavalry SPV I , LLC, however, Exhibit A is blank as the accounts were redacted. 

They also provided an affidavit of sale from the Finance Manager of original creditor ( XXXX XXXX ) stating that a " pool of accounts '' were sold to Cavalry, however there is no mention of any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: My income was cut in half, so I was struggling to make my mortgage payment. I contacted CitiMortgage and started the process to get a modification so my payment would be lower. I complied with everything they asked in a very timely manner, although the paperwork was very oppressive and time consuming. I was told XX/XX/XXXX, that the modification was approved and all I needed to do was keep making the modified payments. Three months later, they sent a letter accusing me of not making payments and threatening me with default. I have been fighting them ever since. I have made countless trips to my bank to get copies of cancelled checks to CitiMortgage, to prove over and over that I have made payments that they accuse me of not making. Although I have complied with them on every ridiculous request, they have cancelled my modification and they are demanding over {$3000.00} by XX/XX/XXXX or they will start foreclosure proceedings. They say I can reapply for a modification, but I fear going through the same thing over again. The stress of fearing losing my home is horrible. From the date of purchase until now, I have never even been late on a payment, and my bank records prove that.

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 11-03-2015 about Mortgage (Other mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I receive a pre-approve letting regarding a loan offer and the letter verification code is XXXX XXXX XXXX, I called them to find out about the offer, I told them before I let her to run my credit, I asked her what credit score that they require to qualify someone, she told me that they require XXXX credit score and I told that my credit score is about XXXX, I told her that I have that I have a lot of deft, she asked me if I have any federal delinquent, I said to her that I am not sure that it is federal but I did sign up a loan with XXXX for someone he did not pay the loan and I found out and I paid the loan off with my own money just yesterday and I said to her that to her the reason that I giving you all the information in front because base on my situation if I knew I am not going to be qualified I would not let you run my credit and I interested in this offer just to pay off my deft, and she told me it should not be a problem then, so I let her running my credit then she came back telling me that my credit score is XXXX and I have a delinquent with XXXX, therefore they can not qualify me, when I asked her what score they require to qualify someone she told me XXXX and my score is XXXX according to her when I told her about the delinquency with the XXXX and I just paid off yesterday and she told me it would be fine, I also told about the level of my deft, I told her all these in front just to make sure that before I let her running my credit score and told her that I know if you let people check on your credit a lot that would diminish your credit, that is the reason why that I told you all my information in front to see if I can let you run my credit, and when she come back with her decision I tried to remind her what I told her, she was very rude and she said that she told me that she said to me that they required XXXX credit score when she did not, she told me XXXX credit score, I am filling this complaint because I feel so misled, deceived,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: there is a hard inquiry from XXXX and I dont believe it to be mine I would kindly like it removed

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 05/26/2017 about Debt collection (Other debt) with MERCANTILE ADJUSTMENT BUREAU, LLC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Mercantile Adjustment Burea  u (   XXXX   )   XXXX  keeps making robo calls to my home in  XXXX , TN with a message that if we even listen to the recorded message left on our answering machine, we agree to the debt which we have never owed. They claim  XXXX  of my vehicles made  a toll road violatio n somewhere ne ar   XXXX   or   XXXX   XXXX  ,  CA. I have not even visited that area for at leas t 15 ye ars, and none of my vehicles presently or previously owned have EVER been in that area. I have sent written notifications  twice  and demanded to see any evidence ( usually there are phot os of toll road violations ),   but my written communications have been ignored and no one has ever shown any proof of it being any of my vehicles. It is an obvious mistake and these debt collection  XXXX  do n't care. They just keep harassing my home phone.   Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting a collection item by XXXX XXXX that is not a validated debt. I have asked for this information from them but they will not provide it to me. They say they previously sent it to me but I have not received anything. In my recent complaint about them through consumer finance they said they sent me a notice in 2013, but I never received the notice and invoice they say they sent to me. 
I am disputing this debt because I am not being given enough information to figure out what these charges are specifically for. I gave XXXX of XXXX XXXX the proper notice, letting them know I was moving at the end of XXXX of 2013. I believe they are trying to charge me for rent after we moved out. There should be no late fees because I provided notice. What is the misc Fee XXXX? Why is there a XXXX Charged Owed? Why am I being charged {$430.00} for rent - for what time period? How is this being calculated? What is the prorata amount and how many days am I being charged for? Why is there a utility reimbursement for trash, sewer and water? Where is the proof that XXXX of XXXX XXXX assigned this collection item to XXXX XXXX? How did they verify with XXXX of XXXX XXXX that these charges are valid, legitimately owed, and properly calculated? Did they simply look at a statement and take it as face value? How do I know they are licensed to collect in the State of Ohio where I reside? They have n't provided me with their license number and registered agent as I requested. I want this item removed from my credit report because it is an unvalidated debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SCOTT FETZER FINANCIAL GROUP INC (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: United Consumer Financial has changed the reporting status of an account included in my Chapter   XXXX  from discharged to charge-off. This has happened more than once over the last 5 years, but after disputing the information they changed it. I checked my credit report and noticed that the information on   XXXX   was just recently changed back to charge off, and I would like it fixed.     The change caused my score to drop about  XXXX  points. I 've attached a section of the report as well as  XXXX  bankruptcy document as proof. My concern is that this will be charge-off to another creditor, and I 'll be subject to further collection efforts in violation of my  Chapter   XXXX  discharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After having my credit pulled for a home loan, I was informed of an open collection from stellar recovery inc . 
I have NOT received any communications ( mail, email, phone, etc. ) from stellar recovery inc . This debt has not been validated or verified. I have not received any notice of a right to dispute before they reported to all XXXX major credit bureaus. There is not enough correct info to verify the debt or amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (DC).
Issue: Managing the loan or lease

Complaint: LendMark Financial Services recently acquired XXXX XXXX XXXX in XXXX 2016. 
Consumer is a XXXX XXXX loan customer. An original loan in the amount of {$2000.00} + {$1000.00} with XXXX were granted to consumer in XXXX, WV store. The loan are rated sub-prime and loans APR are 24 % - 27 % to consumers with limited or marginal credit. Or less credit than most. 

Since Lendmark acquired XXXX, all loan requirements and paperwork are different to the XXXX consumer ; if loan funds are added the consumer must comply with inflated APR 's in each state. The APR can increase from existing loan amount sto a maximum of 36 %. 
Consumers are held to LendMark standards and no longer to the XXXX requirements ; means if consumer needs additional funds all loans are under new rules and regulations. 
Consumer contends that LendMark offers predatory loans and should have grandfathered -- XXXX loans with similar rates to the contracts signed at the time of lending. And, due to acquistiion consumers facing inflated APR amounts is n't fair practice. 
In addition, if consumer chooses to re-finance and/or pay-off a loan from one store to another ; why is consumer being rated at higher inflated APR rates ; due to state by state laws. 
LendMark Finanacial Services should not be providing predatory loans and inflated amounts merely because of acquisition ; and the purpose to recover acquisitions losses ; whereas the consumer will eventually be a part of said purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I never heard of this until I was denied a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Bloomingdale 's by phone to dispute the fraudulent account that was opened under my name before I turned XXXX years old. I sent in my birth certificate and ID to prove my age but the account was never deleted. I was homeless and living from pillar to post when my identity was stolen and compromised. I disputed the charge for over one year with each credit bureau and with the creditor. I want it 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 01/30/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to Equifax, XXXX and XXXX XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unknown Inquiries on my credit report. 


Date Filed XX/XX/XXXX Type Credit Unions Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX   XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX   XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Reseller Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance Companies - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address 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 07/27/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Hi my name is XXXX XXXX and I have been trying to obtain a loan modification for the last two years with NationStar Mortgage and have gotten the run around every time, i have been denied however I never know the reason. I do believe my Homeowners Bill of Rights have been violated and my lender is engaging in dual tracking with my property. Additionally I do believe i am the victim of predatory lending and XXXX discrimination. I have done everything with in my power to try to make my mortgage payments

Company response to consumer: Closed with explanation