milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2015 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (OH).
Issue: Application, originator, mortgage broker

Complaint: There was lack of communication from the lender, HomeBridge, and the Buyer and Seller involved in the deal. The lender kept pushing back the closing when they told us it could be done in 30 days. There were just excuses and really no concrete reason for the delay. At first it was because of the buyer 's verification of rent ; but, it was a simple needing the buyer to sign a release form to allow the rental agency to send the documents to the lender. After that I do n't know what the reason was for a 2 week delay in closing. It was a lot of simple mistakes and not owning the issue. Luckily we closed ; but, there was a lot of unnecessary drama involved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I sent a letter to Experain disputing an inaccurate address information currently being reported on my personal credit report as inaccurate and erroneous on XXXX XXXX, 2016 certified mail, return receipt requested. I received notice in the mail that you received the dispute XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and I have not received a response from Experian. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If Experian can not LEGALLY VALIDATE the information within the 30 day time period, Experian must delete all of the disputed accounts from my report. Experian must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To whom it may concern, I had a line of credit with Wells Fargo open in XXXX. Wells Fargo claim that I was 30 days late back in XXXX my records show that I was on time every month. So I would like for this derogatory to be removed from my 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 07-01-2016 about Mortgage (FHA mortgage) with Townstone Financial Inc (IL).
Issue: Settlement process and costs

Complaint: I have recently began studying for the Federal ( XXXX ) for my NMLS certification. In the last 3 days I have learned more about unethical behavior as it pertains to lending than I have ever learned in a lifetime of " real world '' experiences. When I purchased my home in XXXX ( and refinanced in XXXX ) I was NEVER told about any of the required disclosures which would have afforded me the opportunity to make a truly informed decision ( especially as it pertains to rescission ). My monthly payments were never what was promised during closing, I have no idea what my true APR is currently and after closing I was asked to pay an additional {$3500.00} in closing costs " off the books ''. I felt rushed, bullied and pressured to sign ... but I had a family that needed a residence ASAP and I had to provide. 

I want to know what recourse I have currently to either restructure my loan, recoup expenses for the trauma it has caused my family or have this XXXX loan forgiven at the expense of the lender ( who has since sold my loan to XXXX, XXXX other people ). Since learning all of this information as a result of my studies I am, needless to say, infuriated that even after the XXXX deliberate destruction of our housing economy I am still experiencing ( and PAYING FOR ) these types of predatory actions! 

I did my business with Townstone Financial out of XXXX, IL. I can provide all other required information at your request. Thank you for looking into this matter. 

XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received student loans for the purposes of attending college between approximately XX/XX/XXXX and XX/XX/XXXX intermittently. During this time, and the time since, the option of an income based repayment plan was never made apparent to me : my options were high monthly payments, forbearance, or deferment. As a result, I put my loans on financial hardship forbearances until they were exhausted. Now I can go through the cumbersome income bases plan, but the system seems designed to confuse the borrower. I 'm dealing with multiple loans and different call centers and collection agencies. Navient should be labeled as a criminal organization.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Other debt) with I.C. System, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I pulled a copy of my credit report and some company was reporting a bill for XXXX XXXX XXXX XXXX. I did dispute with them and they took it off my credit report because it 's not mine. Then this XXXX XXXX XXXX company is reporting it and it 's reporting it as something new. This is n't mine and I do n't owe this. Please help me I do n't know what else I can do.

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 05-04-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: 1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts 2. I have been unsuccessfully trying to get removed the XXXX account, " recovery '' item also agreed to by XXXX to remove in the attached e-mail Thank you for your help XXXX XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX e-mail : XXXXXXXXXXXX phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I received a payday loan in 2013 ... .circumstance caused me to default on the loan. I employed a service to set up arrangements to pay the debt. The payday loan company would not respond to requests to verify the loan and set up payment arrangements. The debt has been sold to a collection agency who has increased the amount of the loan by an additional {$500.00} and is threatening to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I 'm being harassed by phone, and emails on a daily basis, I get between 4 to 7 calls a day. I have asked branch manager XXXX to stop calling multiple times, but calls keep coming. I try to answer all calls but they been using harassing and threating language. I sent a written request to stop calls but I was told that they have all the right to continue calling. they have called some of my relatives as well on multiple occasions. I have proof of all the calls, voicemails, and emails that I have received. my payment has never been late for more than thirty days. Manager XXXX XXXX claims that they 're not a collection agency, therefore I cant stop the calls, but the emails I receive claim that they 're a debt collector and they 're trying to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX EQUIFAX AND XXXX IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS.. XXXX XXXX NOT SHOWING UP TO DATE STATUS AND BALANCE XXXX XXXX CREDIT CARD. NOT CORRECT BALANCE XXXX XXXX CREDIT CARD. NOT SHOWING CORRECT BALANCE XXXX CREDIT CARD, XXXX..NOT SHOWING CORRECT BALANCE XXXX XXXX XXXX XXXX XXXX PAIDED IN FULL XXXX XXXX  XXXX ... PAIDED IN FULL XXXX XXXX XXXX INCORRECT BALANCE XXXX XXXX XXXX INCORRECT BALANCE.. XXXX XXXX CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL THREE REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a voice mail from my work phone and personal phone on XX/X/2017 from a XXXX county currier '' they claimed to have time sensitive documents they needed to deliver. They directed me to call XXXX file number # XXXX. I called that number and I 'd was a company called XXXX XXXX XXXX. They claimed I owed over {$2000.00} dollars fo a HSBC credit card that was dated XXXX/XXXX/XXXX. They stated if I did not pay within 10 days they would sue me and or file a IRS tax hold against me and seize my bank account and personal property and would increase the amount to over {$4000.00} for collection and lawyer fees. 
I did have a credit card that was charged off in XXXX for {$300.00}. 
I called HSBC and they had no records of the account and claimed they do not keep records beyond 7 years. 
This debt amount is incorrect and beyond the statute of limitations for 6 years in my state of Ohio. 
By contacting me at work they have caused extreme duress and perhaps future problems with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX College XXXX. I graduated in XXXX and went into forbearance in XXXX. During this time ( XXXX ) XXXX XXXX used boiler room tactics to put borrowers into forbearance because they would have otherwise defaulted. Once forbearance ran out and it was time to make full payments, my loan amount had ballooned from $ XXXX to $ XXXX. And overall, from XXXX to XXXX, the amount of private loans that XXXX XXXX put in forbearance doubled to {$2.00} XXXX. 
On XXXX XXXX XXXX XXXX ), a district judge XXXX gave his preliminary approval to a settlement agreement in a class action suit filed by investors who claimed that XXXX XXXX, the giant student lending company, had violated federal securities laws. The class action suit claimed that in XXXX, as it prepared itself for a lucrative purchase by a consortium of banks and private equity investors, XXXX XXXX lowered its lending standards to bolster its portfolio of high-interest-earning " subprime '' private student loans. But, when the economy started to crash and default rates spiked, XXXX XXXX attempted to hide the damage by changing its loan forbearance policy to punt defaults into the future. In the proposed settlement, the XXXX parties agreed to the creation of a {$35.00} XXXX pool to " resolve investor claims. '' That was good news for the investors, and seems like a relatively cheap price for XXXX XXXX to pay to avoid a trial. But the settlement offered nothing to me, the student who was lured into taking out loans to pay for my education. 
I am not looking for loan forgiveness. I am fully prepared to repay my loans, and to date have paid {$64000.00}. My plea is for XXXX XXXX to reverse the exorbitant ballooning I was illegally coerced into accepting in XXXX. 
WITHOUT my consent, or the consent of my Co-Signer, those {$70000.00} student loans have risen to {$140000.00}. If I had been notified by the loan " experts '' that forbearance should be used as a last resort as my debts could quickly double, I would never have opted for the forbearance. I was XXXX years old with no concept of the time value of money and XXXX XXXX revealed nothing more than, just pay an extra $ XXXXmonth and we will put you in forbearance. 
So again, I am not seeking forgiveness of my student loans, I am seeking to eradicate the unethical gains of the disreputable XXXX XXXX XXXX. I did not consent to doubling my loans, and neither did my co-signers. I should not pay any debt that was ballooned by commissioned reps in an unregulated environment where boiler room tactics were used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Dear Consumer Financial Protection Bureau, I am seeking assistance with my Navient Private Student loans to prevent default on XX/XX/2017. 

My husband and I have been making monthly payments ( according to Navient 's letters to prevent default ) and ongoing communications ( mail, fax, phone ). However, it seems Navient continues to deny our efforts. 

I have attached a payment confirmation and communications .pdf " Navient Log File of Events '' to validate my facts for support. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I was signed up for a card security program on my credit card account that I did not authorize and my statement was sent electronically for months so I could not see the charges, dates or the payment due. When I called to get information and a copy of the statement I was informed the due date was changed and so I was being charged for late fees as well as the unauthorized card security program. I asked to speak to a supervisior to get all the information and see if some of the charges could be reversed and not only did she refuse to send me an itemized statement but she was offensive and at one point I was laughed at. This is XXXX abuse in my opion and I am done with Synchrony Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2015 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Deposits and withdrawals

Complaint: Bank issued counterfeit bills and refuses to thoroughly investigate the issue to prevent reoccurrences and make the claimant whole again. The bank in question is the BB & T bank in XXXX, Virginia.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: A private student loan of mine has gone into default due to lack of wages. The former owner of the debt XXXX XXXX XXXX apparently sold the debt to Transworld Systems. The account was immediately put on my credit and into collections. I did not get a notice that my debt was being sold ( which is required by law ) and Transworld Systems has made no attempt to contact me to prove ownership, correct balance or to even state they have taken over the debt. I would like an investigation to be conducted into the practices of these XXXX companies.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a debt collection for an account that I am not responsible for. It appeared on my XXXX and Experian credit file last year. I disputed, and the debt collection was removed from both. The same debt was sold to another company in XXXX and was placed back on my credit file with XXXX. The name of the company was XXXX XXXX and collection. I disputed this again and XXXX removed the collection on XXXX/XXXX/15. Today experian reported the exact same debt but now with a different company. The account reads as followed : Company : XXXX XXXX XXXX Account # : N/ABalance Amount : XXXXStatus : The original debt is from XXXX XXXX XXXX. The debt has been disputed and every time it has been removed due to the debt not being true. I have disputed this debt a total of XXXX time with different debt collectors that buy the collection. I was never notified by the debt collection agency but rather found out by checking my credit. Can we please address this collection as it is becoming a nuisance everytime its sold to another debt collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Credit card debt) with LTD Financial Services, LP (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello,  I am filing this complaint today because I have tried to reach out to XXXX XXXX XXXX XXXX several times to verified a debt that is listed on my credit report in the amount of XXXX from LTD Financial Services,  I have yet been unable to reach XXXX XXXX since XX/XX/2017.   I have know contract with LTD Financial Service and would like to verified this account with XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies Equifax, XXXX , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Please be advised XXXX XXXX is reporting XXXX 30 day lates on my credit report for XX/XX/2016 and XX/XX/2016 that I totally disagree with! I made XXXX payments in XX/XX/2016 on XX/XX/2016 and XX/XX/2016 yet they still counted me as 30 days past due! I have chatted with them several times and filed disputes yet and still they continue to report the lates which are the only late payments on my whole entire credit report! To put the icing on the cake they sent me a letter saying I was not late! Attached!

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 Debt collection (Other debt) with Williams & Fudge, Inc (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX I register for a class ( ENSU XXXX XM ) at the University of Illinois, that same day I got an email from XXXX XXXX " XXXX '' Day that the class is no longer accepting enrollments for the spring term as the class began XXXX XXXX, XXXX. 

Early XXXX XXXX I got a letter from XXXX XXXX XXXX XXXX that I owe {$1500.00} for the University of Illinois course I NEVER took. I sent a registered letter to them with the email attached and I also filed a complaint with CFPB ( complaint XXXX about XXXX & FUDGE, XXXX ) They put a negative mark on my credit report. They removed it and I also request them not to sell the fraudulent debt to anyone. 

XXXX and behold they did, they sold it to XXXX who just called me at my job XXXX/XXXX/XXXX XXXX. I request them not to call me at my job and to correspond in writing only, which I got a letter from them on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Other mortgage) with RANLife, Inc. (CA).
Issue: Settlement process and costs

Complaint: My loan doesnt understand i want to buy a house. But price

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Transworld Systems inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX, is trying to collect a debt as per the letter dated XX/XX/XXXX, sold by Florida Department of Revenue, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Business Partner # XXXX, amount {$1300.00} after the Debt was paid in full. This Debt was paid in full and the satisfaction was recorded on XX/XX/XXXX in XXXX county public records ( Copy Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this account was stolen 9 years ago and used fraudulently.it was reported to the original creditor XXXX XXXX XXXX. I am not responsible for this charges, I was victim of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation