milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2015 about Debt collection (Federal student loan) with AES/PHEAA (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted this company via XXXX mail requested validation of the account, the debt and the information that they are reported to the credit bureaus which is inaccurate. I have disputed this account and the information with the credit bureaus and they reported back to me that the information is correct. I would like to know how is the information correct when I know for a fact that it is not and the company has not responded to my request to validate their claim. For XXXX, I am not in a Chapter XXXX bankruptcy and this account is currently reported as a negative account that is in bankruptcy on my credit files. This account was opened in XXXX, in which it is to old to be on my account, especially with negative in accurate information being reported. They never gave me a chance to dispute their claim as well, especially with it being negative information. All of my loans are consolidated with another lender and they are up to date and current, it 's not fair that these accounts are listed as negative on my credit file with inaccurate information in which the company can not and or refuse to validate with competent information. I would also like to know what type of evidence or validation the credit bureaus received in their investigation that verifies that their claim is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Medical) with Revenue Assurance Professionals LLC (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Revenue Assurance Professionals collection accounts have been removed from my credit report because the accounts could not be verified. Since the removal of the account Revenue Assurance Professionals have reported late payments under Other Loans on my XXXX credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Other fee

Complaint: I was charged interest on XXXX/XXXX/2016, but my balance was paid off on XXXX/XXXX/2016. This credit card was available for use on XXXX/XXXX/2016. The elapsed time was 21 days since the credit card was available to use to pay was 21 days. According to back of the statement, in order to avoid an interest charge, payment is to be made 23 days. A email was sent to Citi Bank stating the interest should not be charged however, Citi only said the charge was made according to the back of the statement.

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 07/22/2016 about Debt collection (Non-federal student loan) with SIMM Associates, Inc. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A debt collector called me 4 times in a row and continued to hassle and threaten me. Demeaning my own dignity and respect, using condescending language and tone.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Trouble during payment process

Complaint: Our out us knowing. We had to call them last year and this year to make sure our property taxes were paid. We call them last night Mortgage was sold to another company last year. One of the first things required was an additional months taxes and they started paying our property taxes without telling us. Last night we verified that the taxes were paid and then they said we had a shortage in our escrow of over {$400.00}. When we inquired about this after figuring our taxes and home owners insurance we are positive almost {$500.00} which they wo n't send us until they evaluate out escrow account. Never had this happen before. We have always paid our taxes. They wo n't let us or give the option. This can not be right. Please advise!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I took out a personal loan from XXXX XXXX XXXX and paid it off in full onXX/XX/XXXX 
Then just recently i look at my credit report and it shows as i just took out a new loan in XX/XX/XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: On XXXX XXXX, 2015 I received a notice from EXQUIFAX stating the following : " As you requested, we successfully placed an initial fraud alert on your EQUIFAX credit line. " I HAVE NEVER requested EQUIFAX or any other bureau to place any such fraud alert on my report ( s ). By what right have they do even allege such a thing without my requesting it to be done?

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Other debt) with Williams, Rush & Associates, LLC (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received many calls from the debt collector stating I owe a balance that is false I tried to resolve the issue but even contacting the original Creditor Name XXXX XXXX XXXX XXXX they say the debt is coming from who also verified that I owe no balance of such at all in the matter and this should had never been send and also informed them to delete from credit file ad close account but I am still getting harassing calls on this matter that should had been removed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Reporting agency reflect XXXX XXXX..which was ordered by court to dismiss and remove off credit.

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 10-09-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Me and my wife have owned a house at XXXX XXXX XXXX XXXX XXXX, New Jersey for many years and about four years ago dropped down to 15 year mortgage. We were very happy until I got a letter from Freedom Mortgage and they pushing to cash out for a promotion. After speaking to my wife we said lets look into. Well that is when Freedom uncovered their mistake of not taking enough out for escrow. This is their job and not mine, why they are called XXXX XXXX. I then called Freedom back on XXXX XXXX to see what XXXX XXXX mortgage payment would be, they said it would change in XX/XX/XXXX and not to worry about it XX/XX/XXXX Well my usual payment is about {$1600.00} and when I woke up XXXX XXXX my new payment was XXXX. I went nuts and me and my wife and family barely survived. This is just wrong, after I had called, and told it would n't be going up this month. I under stand it has to go up, but give us some notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NE).
Issue: Loan modification,collection,foreclosure

Complaint: I sent in my XXXX paperwork to Caliber Home loans. I continue to get letters saying that they need all the required documentation. When I asked what specific documents that still needed they continue sending the same letters asking to get the required documents. I currently do n't know what the status of my mortgage account is after requesting to start paying on account to get current again.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XX/XX/XXXX, I received a letter from Navient stating that I needed to pay about {$1500.00} for the next several months in order to pay off my loan. I did not have that amount to pay. My previous payments for many years had been {$350.00}. I requested to continue paying my normal payment, especially since I was in good standing with the loan. They refused and said that I needed to pay the ridiculous amount of {$1500.00} per month. I spoke with something like 6 people and finally just requested a manager who basically told me the same thing. I asked if I could be put on some kind of payment plan because there was just no possible way I could pay the amount they were asking for.

After several hours, he told me he could put me on a payment plan of {$50.00} a month and it 'd take 30 years to pay back. I 'd end up paying about 3 times as much. Of course, I told him no. I shared again that what I wanted was to be recognized for the fact that I had been making ON TIME payments for 10+ years. I do not believe I 've ever been late and I definitely never missed a payment. He told me that did not matter. He then went back up to the {$1500.00} amount. This went on for a long time until I was essentially forced to settle into paying {$220.00} a month and consolidating my loans. In the process, my loan was extended for another 20 years. 

So now instead of almost paying off my loan, I now have another {$29000.00} to pay. Since that time, I have paid it down about {$2000.00}. As of this moment, I have a student loan debt of {$27000.00}. 

When it is all over in the year XX/XX/XXXX, I will pay over {$50000.00} in new debt. And in that year, I will have been paying student loans for 31 years straight. I am an XXXX ; I have never missed a payment that I can recall. I have paid diligently and even paid big chunks of money when I have it. I am hard working and find it insulting that I now have double the debt simply because I was not able to make {$1500.00} payments for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: company is stating I owe a debt but can not provide debt validation for the account

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account number # XXXX No contract or no signature

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 11/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2016 all hard inquires were deleted from my credit report. I pulled my report a few days ago and all inquires have reappeared on my Transunion credit report and my credit score has decreased due to the inquires reappearing.

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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is wrong information on my report :  XXXX   XXXX  > I have never paid late this account, insurance paid late   XXXX   XXXX   XXXX    XXXX  > I have never paid late this account, insurance paid late

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am XXXX of those mistreated borrowers by Green Tree Servicing and its agent XXXX in the State of California. I was threatened, yelled and cursed at with garnished wages, arrest, called a liar and a dead beat. My loan debt was fabricated and was falsely misrepresented. Denied verification and my employer and fellow workers were notified about my loan status. My credit was ruined and I was forced into foreclosure and bankruptcy. This has been an never ending nightmare! 

Since the beginning that Green Tree ( XXXX XXXX ) alleged that my mortgage loan was in arrears and in distress, I have disputed Green Tree 's claim of missed mortgage payments or that my loan was in arrears or distress. 

I disputed in access of XXXX letters, emails and phone calls to Green Tree and XXXX XXXX allegations in XXXX of XXXX that my mortgage loan was in arrears in the amount of XXXX dollars or that my mortgage account was in arrears or distress. I was denied by Green Tree and its agent XXXX XXXX any remedy of an account by written itemization, complete audit or face to face meetings as required by law in the State of California. 


Whereas my contact person, an employee authorized by Green Tree Services with an office in the state of California, acknowledged that after conducting an internal audit in XXXX XXXX, XXXX XXXX and XXXX of XXXX, agreed that my loan was not in arrears or distress. She could not understand why her supervisors refused to authorize any written itemizations or audits of any alleged missing monthly mortgage loan payments. She further stated that she was not authorized to update or service my account. She also conveyed to her supervisors that I wanted a face to face meeting with Green Tree Services and XXXX XXXX. 

Whereas a XXXX XXXX Supervisor requested written verification directly from the vice president of Green Tree Servicing. The request to the Vice President took place in XXXX of XXXX, after she became aware of disputed issues that were proven to be false with valid cashed checks from XXXX Bank issued to Green Tree Services. I was promised by that XXXX supervisor that a written itemized statement showing first missed payments and any additional missed payments would be provided before any further foreclosure proceeding took place. When the final foreclosure proceeding took place in XXXX of XXXX, and after repeated emails and phone calls to the XXXX Supervisor that were not answered or returned, I was in fact not given any such written itemized audits from Green Tree Services on how they determined that I owed {$32000.00} dollars and denied any opportunity for a face to face meeting to mitigate my mortgage loan that was being serviced by Green Tree Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My parents house was forclosed on. By me being a XXXX my fathers credit has always been mixed with mine. My father has been XXXX for almost 15 years. I need this off and inquires also. I need this off I want to buy a house some older things need to come off also.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Privacy

Complaint: I was on the phone for 2 hours and 15 minutes with a Chase employee from their XXXX ( XXXX ) and their Fraud Dept. Chase gave XXXX points from our credit card to a criminal who called them. My husband and I have asked repeatedly to hear the phone call that was left by the criminal. We have also asked for XXXX boss or upper management to listen to the entire 2 hour 15 minute call to hear how XXXX provided " customer service ''. We need to know about preventive measures, since in the meantime, Chase has given us a replacement card, but we do n't want this to happen again. We ca n't just be given replacement cards every time this happens. We have about XXXX accounts this card is set up to and we have to now spend time disconnecting the old card and reconnecting the new card. More importantly, we want to know how this theft can be prevented. We have no idea what kinds of screening process/identification process is used when criminals call in and no one has told us. XXXX from the " executive office '' told us XX/XX/XXXX that she would get back to us on this but not a peep. I have written over 15 emails to Chase with ZERO response from Chase. I have called them yesterday and spoke to a XXXX on their 'executive line ' who said she would be talking to XXXX and her boss XXXX XXXX . She also told me someone named XXXX was assigned my case, but no one has called. I was not even assigned a case number. Is there one? I, a customer of over 30 years is constantly getting ignored. I called again today. This was a joke. We do not understand how a bank can just ignore their customers. We believe that the bank feels that just because they replaced the card, that they do n't need to do anything else. Chase is DISGUSTING and we need answers. They can not keep on ignoring us!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2015 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Transaction issue

Complaint: I had Synchrony Bank/Amazon for two years and constantly had issues with refunds for returned items. Amazon choose to close my account, because I returned " too many items ''. Once the account closed I do not have access to view items which I want to return. I sent all the items on my own, because I want to pay this account as soon as possible and do not deal with Amazon any more. I returned all items by XXXX XXXX and still did n't get my refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2018 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX an employee of the Bank of America XXXX XXXX XXXX sent an international wire to XXXX XXXX without first negotiating the correct bank and its destination. The Funds Transfer Request Authorization transaction form records that funds of XXXX dollars were sent mistakenly to XXXX , an " additional '' or intermediary bank. THE final destination, a building society XXXX, however, was not written into the transaction at all. XXXX only uses XXXX as a clearinghouse for large automated tasks. The employee ignored the absolute necessity of listing two banks. Rather, he omitted XXXX, and gave the name and account number directly allocated to XXXX and its enormous headquarters in XXXX. This account number and name would only have legitimacy or meaning at XXXX XXXX XXXX, and not at XXXX XXXX main headquarters. On XX/XX/XXXX, after our trip, we studied the form and agreed to cancel the transaction using the Bank of America collect call overseas number on our FTRA form. We called again on XX/XX/XXXX and XX/XX/XXXX, but the transaction had not been cancelled because of their completely new requirement for XXXX to respond to their faulty wire transaction. We needed to explain repeatedly that we do not have an account at XXXX, and insisted that the error be corrected and our funds returned. On XX/XX/XXXX we have yet to ascertain the situation, although our funds have been " floating '' or " on hold '' now for 19 days because of the seriousness of the bank error. To prove our affiliation we have a checking account, checks, debit card and credit card with the correct XXXX account number ; XXXX is simply not able to recognise this transaction.

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 04/20/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax keeps validating a fraudulent account that the vendor has specifically told them to remove per CFPB. See all attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE 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: on XX/XX/XXXX I took out a loan with XXXX XXXX XXXX XXXX and paid a payment in XX/XX/XXXX but could n't make another. It was put into collections and I called and asked if I paid off settlement amount would the negative item be removed from my credit report and they said yes no problem. So I made a settlement amount and it is still listed on my report which I have done several disputes and called them to get it removed and every time I call they say a different story from yes it will be taken off but give it 60 days. That did n't happen and then called again and was told they do n't do that. I have fought with this creditor and credit bureaus and gotten no where. This account was paid and I only did that after I was told it would be removed. I have nothing else I can do and I am tired of fighting this is my last option. The payment status says paid in full but I want it removed like they told me to get the payment

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