milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (OK).
Issue: Trouble during payment process

Complaint: beginning in  XXXX  2017 when my loan to value hit 78% I began contacting my servicing lender to drop my MIP. After following the correct channels with emailing, and faxing documents in I finally received a letter stating my loan did not qualify to drop MIP.
I called them and spoke with a lady whom agreed the calculation was wrong and was going to get with a supervisor to correct it and get it cancelled. After another month of nothing happening. I mailed a letter and emailed another request.   XXXX   XXXX   another letter was mailed stating I did not qualify. My appraisal at time of purchase was $ XXXX , my loan balance in   XXXX   was

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 07/27/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AK).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Follow up to Case # XXXX against student loan provider, Navient 's, negligent, deceitful, and potentially illegal/regulatory non-compliant practices that are harmful to borrowers and destructive to fair trade. 

Complaint # 3 I have documentation and cause to suspect that Navient 's internal controls or lack of sufficient controls are in violation of revenue compliance regulations and XXXX requirements. During recent interactions with Navient while following up to my first complaint, I witnessed and discovered the following : ( 1 ) a lack of accurate and complete internal organization of my customer data, ( 2 ) incorrect or insufficient reporting to me of activities I knew from prior research Navient had administered on my account that had the potential of negatively impacting my good account standing and causing long term harm to my overall publicly reported credit worthiness, ( 3 ) insufficient employee training on how to obtain and communicate accurate and complete account information to me when I requested it, ( 4 ) improper protocol for timing and execution of data systems processes that impact revenue reporting in financial statements, ( 5 ) a massive series of emails and phone calls, separately to me and my husband, resulting from Navient controlled activities that caused me significant XXXX and possible public financial harm, either in fact or in appearance if improper negative reporting was issued to credit agencies about me ( because I still do n't know what Navient did to my accounts after I informed the customer advocate department on or around XXXX/XXXX/16 that my mother passed away that day ). 
After a series of contradicting communications from Navient via different channels, including poorly explained modifications to payment allocations in spreadsheets I downloaded from the Navient website, fluctuating information in written letters regarding my payment due dates and account status that have been delivered to me back to back within the same month, now spanning into three months, combined with conflicting and contradicting statements made over the phone to me by Navient reps attempting to explain activities on my account, to being informed that activities on my account were occurring remotely during the call and would be explained to me in a ground postal letter, that was never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX Citizens One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've been trying to get TransUnion to remove the public record on my account removed because they ca n't verify the address. The XXXX issue is was whenfinished their initial investigation and I requested a re-investigation. I then requested the manner in which they verified, name of business, person they spoke to, phone number and address. According to FCRA 609 ( a ) ( XXXX ), they had XXXX days to comply, to which they did not. After some time and a few investigations later I requested for them to verify the address, after I already researched the case number and found the address is bit mine and therefore ca n't be verified. When I asked a person on the phone how the verified the bankruptcy and they told me they called the court and verified all the information which we both know the courts do not share info with the CRAS, done third party company does. They led already now they continue to carry out actions to support their immoral and unjust behaviors. Please remind them of my rights as a consumer and push them to remove this Public Record. live already cost me XXXX of dollars due to the interest-rate on my house in my car and I am not willing to go any further with this incorrect information on my file. If they do n't remove this I 'm going to be forced to take them to small claims to recover the monies this debacle is choosing me. Thank you very much and XXXX bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Other

Complaint: I requested a credit line increase on XXXX/XXXX/2016 and requested repeatedly that credit not be pulled numerous times during call and the representative agreed. I checked with my monitoring service and the next day and there was an inquiry on my XXXX credit bureau report from this bank. I have made calls over the past 7 weeks and spoke with XXXX-XXXX supervisors and no one has been able to help me. I was called by a supervisor named XXXX or XXXX that informed me that the inquiry would be removed. It was not removed. I spoke a female supervisor on XXXX/XXXX/2016 and she submitted the request to the department that took care of those matters. I spoke back with several supervisors this week and I am still not able to resolve the unauthorized inquiry that appears on my XXXX credit report dated XXXX/XXXX/2016 after being told by a supervisor on an outbound call to me that it would be removed in 45-60 days.

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 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX 2016, terminated service with XXXX XXXX. A couple months later, received collections letter from Credit Collection Services about a debt. Called them to ask more information and for them to provide proof that I owed debt. They could not provide that information. They instead told me that I needed to prove that I didnt owe the debt. Contacted XXXX to get clarification. Was transferred numerous times and eventually disconnected. Called back to see if deposit money was every applied to account and if not, when will I receive it. Represenatives stated that they could not see back more than a year to see that information. 

Stopped my efforts to gain information. XXXX XXXX, collections account showed up on my XXXX credit report. I called XXXX directly and paid the past due amount while speaking to representative on phone while he ordered archived bills to check where the deposit money is. He stated to call back to have the account pulled from collections expedited. I also called and spoke to Collection Agency. They stated that they were not authorized to remove collection from my credit report. Only XXXX can do that. I found that questionable because XXXX did not report it, Credit Collection Services did. I also entered a dispute with XXXX. Called the collection agency and they verified that the account had a XXXX balance. XXXX is reporting paid in full. Spoke with the collection department at XXXX and she stated that she submitted the ticket to remove the account from collections and that my debt was paid. 

Collection accounts that are closed and returned to the original creditors are to be deleted from the XXXX reporting agencies, as these accounts are no longer in collection. 

This account has been paid to XXXX and I have receipts from XXXX proving that the accounts have been paid in full. 

Credit Collection Service verification of the accounts as a " Paid Collection '' is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; 15 USC 1692e ( 8 ) providing false information to credit reporting agencies. 

FCRA violations ; 15 U.S.C. 1681i duties of furnishers to provide accurate information. 

15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Struggling to pay mortgage

Complaint: In  XXXX   2017  I was subject to debit card fraud. Someone or a group of someone 's took about  1200  dollars from my account, and it put me in a bind in terms of paying my bills. As a result of this I was unable to make my mortgage payment until the end of  XXXX  when I was able to borrow extra funds. I tried to make the payment online, but the next available date was  XXXX   XXXX  in terms of processing my payment. I believe t his may have resulted in a negative late payment on my credit report. I am formally asking that the loan servicer review the attached letter from my bank and agree to remove the late payment since I was the victim of  fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I got a {$5000.00} loan from Sallie Mae and before I could pay it off I had to file a chapter XXXX bankruptcy. I got a letter from sallie Mae saying my loan was charged off. Two or three months later they called me to pay the loan off. Before they let me start back paying they say I have to pay {$1000.00} up front then they can put me on a {$100.00} a month payment plan. I only paid {$35.00} originally but they say when you file bankruptcy you loose that payment plan. I am still in school and do n't have {$1000.00} to give them upfront. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dynamic Recovery Solutions called my home and sent a letter here for a debt owed by XXXX XXXX. I do not know an XXXX XXXX and this person has never lived here or used this phone number. 
This harassment has been going on for over a year by this company. I have filed complaints, received an apology from the company, and the harassment starts again after a few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF PENNSYLVANIA (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/2017 I have previously disputed this fraudulent account. It was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Mortgage (Conventional home mortgage) with LAKEVIEW LOAN SERVICING, LLC (OR).
Issue: Trouble during payment process

Complaint: Lakeview Loan Servicing LLC continues to delay crediting payments. 
In XXXX payment was sent on XX/XX/XXXX from our XXXX XXXX Bill Pay system in the amount of {$1800.00}. The copy of the check is stamped by XXXX on XX/XX/XXXX but the payment was not applied until XX/XX/XXXX. 

The same thing occurred in XXXX the payment of {$1800.00} was sent on XX/XX/XXXX but this was sent electronically and XXXX tells me is should arrive in 3 business days. This payment was not applied until XX/XX/XXXX. XXXX tells me Lakeview changed the payment to electronic- this is something I do not understand- how Lakeview can make this change- I am told by XXXX that this makes the  payment show up in 2/3 business days. This transaction does not have a stamped check like the XXXX payment. 

These late payments result in a fee. Every month I call Lakeview and complain and thus far they have been willing to reverse these late charges. 

Every time I call I get different information. I ask to speak with a manager and they tell me the payments are in fact late, when my bank tells me they should not be.Hold times are excessive. How can I use another loan servicer? Lakeview is TERRIBLE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An inquiry dated XXXX XXXX XXXX is reporting on my credit. I did not authorize anyone employed by XXXX XXXX Bank to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my Equifax report the company name is XXXX XXXX Bank, On my XXXX report the company name is XXXX, XXXX XXXX, Tire Dealers. Also, I 've called and sent Equifax a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter informing me that I have a collection of {$4200.00}. That they are a third party trying to collet this debt. They have all of my information correct. The debt is to a XXXX account that was opened in XXXX. I live in XXXX Idaho, the only XXXX that was here was opened in XXXX, then it closed within a year. I have never had a XXXX XXXX account. I have even contact XXXX 's XXXX and asked if an account was opened in my name or social security. Nothing came up, I was told that there has never been an account opened with my name or social security. I have even done a credit report and nothing shows up that I have had or have a XXXX 's XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Bank account or service (Checking account) with BB&T CORPORATION (KY).
Issue: Problems caused by my funds being low

Complaint: My husband and I both have direct deposit of our paychecks to our checking account. We are very strict on our spending and record keeping. So when we use our debit cards or write a check, we know how much is in our account from not only the check registry, but our online banking. Except in the last 6 months we have ended up with over {$2000.00} in overdraft fees. When I inquire about it at the bank, I am told the reason is that when we use our cards, it puts a hold on that amount of the money in our account. Then when it clears, if there is not enough to cover it, because of the pending amount they are holding, we ars charged an overdraft fee. How is this possible if the money has already been set aside for this item that was pending? Example : my husband 's paycheck was {$500.00}, and we spent {$350.00} out of that using our cards. We should still have {$150.00} left in the account. Except our bank says we are over drawn because they put a hold on that {$350.00}, so therefore when those pending items clear there is no longer {$350.00} in the account to cover those pending items. How is this possible if they have already put that money on hold? This happens frequently anymore and it has cost us quite a bit of extra money in late fees, because we end up having to hold off on bills because our paychecks are gone as soon as they hit the bank account, just pay off the overdraft fees. Please help us, as we are drowning now in financial debt because of this bank. And are unable to switch to another one, because they show up on any chex check that is done, in order to open another account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: As of XXXX XXXX, XXXX, ive sent three letters each to the credit bureaus ( XXXX, Experian and XXXX  ) trying to resolve multiple negative student loan accounts on my report. The Credit Bureau 's ( XXXX, Experian and XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original.. All of the loans in question have been consolidated since XXXX and is in good standing ; but the negative accounts that are being reported are hurting 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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have a collection account that was put on me by XXXX XXXX back in XX/XX/XXXX that I had no knowledge of receiving because I changed my address and moved out of state in XX/XX/XXXX. Even though I have filed numerous disputes to all three credit bureaus stating my claim and included information, I also payed the debt in full to the collection agency, it still is showing as a negative account as a paid charge off on my credit and has caused me to not achieve my credit score and goals that I want. Also the Experian Credit Bureau is showing that the account is only 2 years old and that is not accurate, the account is nearly 7 years old. I would like this collection account removed completely from all three bureaus. Here is the account as shown on my experian credit report. 

XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor -  Company Sold-to - Original Amount {$170.00} Comments

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a student loan with Navient. When I tried settleting the credit by calling their number directly shown on the website, it send me to a recover credit agency which tried to settle the account with me. I negotiated a payment plan which they advised that would bring my account current and stop the reporting on my credit. Yet, it has been 1 year, Navient still reporting my account past due and deliquent - I contacted them they advised that the account is shown settled but there is nothing they can do about the credit

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Taking out the loan or lease

Complaint: XXXX. ( d/b/a XXXX ) advertised a specific XXXX VIN # XXXX for {$33000.00} with XXXX miles, white exterior and auto transmission. I went to the dealership and agreed to purchase the vehicle for the advertised price and the dealer agreed to give me {$9000.00} as a credit for a trade-in of my XXXX. I owned my XXXX in full and I did not have a loan outstanding on it. I executed the documents to finance the vehicle. There was much confusion and I was asked to sign all the finance papers quickly with little time to review them and the entire time the finance officer kept his palm on the top half of the papers and asked me to sign the bottom of the page so that the only number that I saw when I signed the documents was {$36000.00} ( which seemed roughly correct when I calculated the {$2800.00} service contract added to the {$33000.00} purchase price ). After a few days, I realized that the dealership had changed the purchase price from the advertised price of {$33000.00} to {$42000.00} ( {$8700.00} more than I agreed to ). I called and went back to the dealership on 2 ocassions. I spoke to the manager XXXX and the finance officer. The finance officer tried to convince me that the calculations were correct and the manager XXXX stated that he could not figure out how they came to the amount. 
I called Toyota Financial Services ( lender ) and they called the dealership and as a result XXXX called me and let me know that Toyota had contacted the dealership. XXXX invited me to come in and speak to him. When I did, XXXX simple could not assist me because he could n't figure it out. The lender has informed me that their review indicates that the trade-in {$9000.00} was a " wash '' and they referred me back to the dealer. The lender should have seen that I was not given the {$9000.00} credit. The lender refuses to make the adjustment.

Company response to consumer: Closed with explanation