milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX, XXXX and transunion keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Closing/Cancelling account

Complaint: Had trouble with JC Penny account charge and wanted to see if credit had been issued. Transferred back and forth between JCP.com and Synchrony Bank. After XXXX hours I got issued resolved but in process they closed my account and said that I had requested it. I said no that while being transferred/disconnected and reconnecting I punched the # XXXX on auto dial in and that led to closing of account. They did not believe me said they would research but would no reinstate my account. I would like to file a formal complaint against Synchrony Bank and the supervisor 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 10/17/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (OR).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: Freedom Mortgage is the lender. I have always paid ahead of time for my monthly payments. They changed the monthly amounts due without proper notification. I paid the mortgage but is was a few dollars short because they raised the payment amount. Instead of cashing the check and either passing it on to the next month or contacting me stating it was short, they did not cash the check and reported 30 days late. Not short of proper payment with notification. No one called. No one wrote. There was no way for me to know the amount changed and they refuse to remove the 30 day notice. I have been writing them letter after letter and they refuse to do anything.

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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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: I spoke to all three credit bureaus via phone. I was told that XXXX would be the ones that will need to make the appropriate changes made to update my FICO score. I did receive a response back from XXXX and they stated it is up to the credit bureaus to update my FICO score to reflect all payments that have been made towards my VA loan with XXXX. 

I am asking for my FICO score to be updated to reflect all payments that have been made towards my VA loan. 

Thank you, 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 03/14/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I keep getting phone calls from Sally Mae over a student loan called today 2 times XXXX number was XXXX do not have a student loan, and have never had a student loan.. They keep harassing me by calling me ... This call was at XXXX XXXX/XXXX/2016 Caller ID says private. I looked it up online, It is Sally Mae. I have already turned in a previous complaint with a different Phone number, that called me before. I want {$5000.00} for harassing me. These are robo calls. I received another call at XXXX XXXX XXXX/XXXX/2016, Caller ID said unavailable, when I picked it up it was another robo call, ,about a student loan and to press XXXX. I pressed XXXX and blasted the foreign speaking guy with my air horn.. I want another {$5000.00} for that call. This is just harassment for something I do not have a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Using a debit or ATM card

Complaint: Chase bank charged an unauthorized {$70.00} against my bank checking account number XXXX. I dispute this charge made XX/XX/XXXX PST against my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was contacted numerous times via telephone and mail regarding a debt that was a charge off and the statute of limitations has expired. I was told by the collector that they bought the debt and I owe the money to them. I contacted the original holder of the credit card Chase Manhattan and they advised that this was a charge off in XX/XX/XXXX. Moreover, I was served documentation dated XXXX/XXXX/XXXX advising that I was being sued if did not pay. I contacted the company and advised that I did not owe this debt to them as per the statute of limitations in my state has expired. I was then advised that I would be sued and that I needed to hire an attorney. Moreover, I researched the company and discovered that this a predatory collection company which goes by several different names and uses scare tactics to harass people into thinking they are a legitimate mediation firm and they are being sued and/or this firm claims to be the legitimate holder of the loan and that the statute of limitations runs 10 years from the last date of payment. This company continually continues to harass me by using a robocaller, live telephone calls and now mail. This is creating undue XXXX and XXXX that is becoming increasingly intolerable and I am respectfully seeking relief from this stalking that has been brought upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Problems when you are unable to pay

Complaint: Midland Credit management sent me letters in XXXX I 'm English speaking I called them several times to provide documents of paid accounts and have year to receive any documents I do n't know where my money went

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Per the Deed ofTrust, we reinstated our loan on XX/XX/XXXX the amt due of {$32000.00} was funded via certified ck. The XX/XX/XXXX was at a XXXX bal. On XX/XX/XXXX Bank of America served us with foreclosure notice. We went to the local branch to work it out. XXXX called BOA customer service. Their response was " we do n't retract foreclosures. You will just have to go to the hearing on XX/XX/XXXX @ XXXX. In the meantime, we made XX/XX/XXXX & XX/XX/XXXX. pymts @ {$1600.00} each. The bank recorded them as regular pymts. We tried to pay XX/XX/XXXX & the teller advised that our pymt had more than doubled. The new pymt would be {$3300.00}. XXXX tried to help again then she turned us away, stating, " if you ca n't pay {$3300.00} then you ca n't make your pymt today. We tried again in XX/XX/XXXX to pay. We were turned away, again. The XX/XX/XXXX XXXX hearing was cancelled/rescheduled. The home remained in foreclosure all of XX/XX/XXXX and in turn, we were unable to make pymts. When the foreclosure was dismissed XX/XX/XXXX we tried to do a loan modification to keep the home.No XXXX followed up w/ us. The bank would serve us w/ XXXX additional foreclosures after this. We tried XXXX more loan modifications until finally in XX/XX/XXXX the President/CEO 's office handled our loan mod. They denied the modification after promising to help us obtain a loan mod. THEN they sold our loan to XXXX XXXX days after denying our loan mod.The LAST monthly statement we received from BOA states that we owed {$84000.00} the XXXX monthly statement we received from XXXX states that we owe {$120000.00}. WITHIN XXXX DAYS our amount increased by {$37000.00}. During all XXXX loan modifications, BOA had us in foreclosure. We also tried, to no avail, XXXX loan modifications XXXX XXXX Bank XXXX We are now being kicked out of our home after the bank kept us in foreclosure and not allowing us to make pymts. PLEASE HELP US SAVE OUR HOME! We have been fighting for XXXX years to be able to make our house pymts and continue to raise our son in the only home that he has ever known. WE HAVE BEEN BULLIED IN TO FORECLOSURE and have been unsuccessful in our legal actions, thus far. I will be filing a complaint against XXXX as they bought the loan from Bank of America in XX/XX/XXXX and they have been less than forth coming with their actions as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Auto debt) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: From XXXX to XXXX, Navy Federal Credit Union threatened me with hundreds of letters, phone calls to relatives, robo phone calls at XXXX, kept seizing my assets in savings and checking account in order to make me a member " not in good standing '', threats to my commanding officer, and countless other tactics that caused emotional distress while trying to study for new career after serving in the military. I kept NavyFCU informed of my income status and made payment arangements. I even would deposit more than minimum required. Harassment got worse and worse despite being a customer since XXXX, and having several paid in full accounts including auto and signature loans fully satisfied with never a late payment prior to XXXX. Every letter said that it would be impossible to establish credit again. All accounts charged off after impossible payments were demanded. I was never litigated against, my car secured by loan was never seized. I doubled my payments ( even though I was n't financial able ) in order show that I was trying, but I was treated like a criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit card () with CITIBANK, N.A. (DE).
Issue: Billing statement

Complaint: My wife and I have been Macy 's customers for years without any real issues. Recently, however, we received new credit cards. When I went in to view my current balance, I discovered that there were other account numbers ( XXXX for internal charges and XXXX for external charges ). However, I was unable to login with either number and so unable to view my balance. I called Macy 's customer service and was told that these were old numbers - XXXX was replaced by the new card and the other was replaced when we experienced fraudulent use of our credit card. I spoke to someone who was able to replace the old numbers with my current number. However, in the process, it appears she wiped out my account history. I have made repeated calls trying to get this rectified but so far to no avail. A common theme is that I am told that there is no history to which I reply I understand and I want that corrected. I have called and been connected to Tech Support ( XXXX ) on XXXX. She assured me that there were system issues and that this would be resolved within XXXX hours so we set a time of XXXX at XXXX XXXX ET. No change. I called back on XXXX ( XXXX ) and was connected to XXXX. We went through the problem again and he assured me that he would check into it with XXXX Support and get back to me by Wed. around XXXX. Again no call back. To date Macy 's has shown no interest in resolving the problem. This opens the question of whether or not they are able to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Reporting of obsolete accounts has shown up on at least XXXX ( TransUnion and XXXX ) of my credit reports. This is old debt that was sent to collections in XX/XX/2004, and thus is past the date at which it can continue to be reported to the creit reporting companies. I want any and all information pertaining to this debt removed from my credit reports. I am attaching documents that show the dates of original default on the debt, as well as current proof that it is in collections. Thank you.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a breach in security in XXXX XXXX where my credit information was stolen. I was not notified about the breach until this past week, which is the second week of XXXX XXXX. At this point, I have not been affected. However, the company can not assure me that I will not be affected in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: i have contacted EQUIFAX on multiple occasions via phone or website in an effort to dispute information on my equifax report. 

equifax disconnects you and on webpage when you hot submit the system crashes i have exhasuted all venues to have these items removed please help see attached

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit card () with DISCOVER BANK (GA).
Issue: Delinquent account

Complaint: I received notice of suit on an account that I had. The balance is XXXX. I do not have this money. I can not afford an attorney or any type of garnishment to my wages. I am the sole provider for my son and garnishing my wages is only taking food out of his mouth and depleting funds for his necessities. I did go into this contract with good intentions and I never had such a bad payment history on accounts as I do now. My income has decrease by 10 % and expenses have increase by 40 %. I just do n't have the money that I would like pay. 
*Please allow a settlement of 30 % of this balance to be paid within 4 to 6 months. I can begin payment XXXX XXXX. 
*Please drop the suit currently in process. 
I apologize for being such a bad customer. I never wanted this to happen. I am in my current financial circumstance due to my attempt to band aid lack of funds with credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The loan company that I consolidated my federal loans with refuses to lower my interest rate by 2 % as was agreed upon despite years worth of on time payments. I consolidated my loans in XXXX. Under the agreement, I was to receive a 2 % drop in interest rate once I paid XXXX payments on time. I called them when it was time for the interest rate to drop and they stated XXXX payment was late. A mistake had occurred because of a federal holiday falling on the day that the payment should have gone through from my bank automatically. They cleared it up with the bank and stated they now counted the payment as on time. In order to further avoid this mistake, I backed up the payment date so that I paid early every month. They now state that because my payments came too early, they were not " on time '' and refuse to lower the interest rate. Then my employer paid lump sums and they sent me something saying I could count that as years worth of payments and was paid ahead, but again, because I did n't make XXXX payments within the time period, they state they do not have to lower the interest rate. Overall, the interest rate should have been lowered 2 % in XXXX and I should receive credit for the difference of interest I have paid since then. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Medical debt) with Senex Services Corp. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've contacted  Senex Services and asked them to validate this account by providing a contract between myself and Senex Services, and if they 're unable to provide a signed contract to immediately delete this account from all of my credit profiles. I never received a contract as requested. Instead of a signed contract I received a bill with my HIPPA information from Senex Services, I have never signed anything to release my medical information to the company so therefore they should NOT have any of my HIPPA information. I asked that this account be removed from all of my credit profiles because I 've never had an account nor have I sign any contracts with Senex Services. Senex Services bo ught this account from  XXXX   XXXX   XXXX   XXXX  ( a medical account ) which is located in  XXXX , Texas, and along with buying this account they also received all of my personal medical records which is a HIPPA Violation. I want them to immediately destroy all of my personal HIPPA information and to delete this debt that has not and can not be verified via a signed contract from all of my credit profiles in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit card () with BARCLAYS BANK DELAWARE (CT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I bought a new computer and left for XXXX shortly after. While in XXXX, I tried to go online and pay my LL Bean Visa bill and, because it was a new computer, I had to enter a lot of information - which the system told me was wrong and I had to call Security. I did not have my card with me and could n't provide all of the information request. I had to wait until I got home. I called Barclay Card and after XXXX attempts and speaking with XXXX different people I asked where they got their information ( former addresses, formerly owned vehicles etc. ) and I was told that they outsource to a vendor to produce information drawn from my social security number and public records. I told them their records are wrong and demanded to know the name of the vendor. They refused to give me that information. There is information out there linking my social security number to someone else and this company refuses to even give me the name of the company they paid for this ( bogus ) information??? This is unacceptable. I need to get to the source of this misinformation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I 'm writing because I am not able to make payment on my loans. When I stared out my loans were with XXXX now they are with Navient. They keep collecting interest, even though I was on a forbearance. I would like to have them delegated off of my credit report because it 's hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have tried multiple times to pay more principal on my loan but they just apply it to interested no matter how I specify it. I got so sick of trying to do it that I gave up and just pay the monthly amount. 

Also the math on my history and statement just doesn't add up. No matter how I try I cant get the statements to line up on ending balance. 

Lastly I am a stay at home mom. I have XXXX income. I cant change loan providers even if I wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 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 sent a letter to Experian XXXX and XXXX stating that the XXXX XXXX credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which XXXX XXXX is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.

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