milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have attached the letters below concerning this dispute. I am sending you this dispute as an internal dispute and an affidavit. I am only allowing XXXX hours for this investigation to take place and following a response on behalf of your companies. I am distressed. It has been 180 days and you have not responded with any verification of original contract documents. This will be the last and final item I will attempt to send out any letters to make you aware that we will be in court sooner than later. I have attached all the documents. I have recorded all the documents, phone calls, and certified letters Ive sent over to your companies on file so when we appear in court I will be more than estatic to show the judge.

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have contacted Transunion about an invalid address on my credit report. Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX. I have sent them letters and faxes and made phone calls to them. Sent proof from my city that the address does not now nor has it ever existed. The last time I called them they said the address was removed but it is still showing on my latest credit report as of XXXX/XXXX/XXXX. I want the address and any so called accounts associated with the address removed completely from my credit report ( s ) Thank You for Your Time

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, Experian and XXXX XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 08-03-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (VI).
Issue: Managing the loan or lease

Complaint: Lender ( care credit ) makes it hard to pay my monthly payment ( no internet payment even though they say you can the system locks you out, also the automated phone system will not allow you to make payment it will just hang upon you, then they will change min due to higher amount and when you make a smaller payment on time the lender will still charge a late fee and raise the finance fee ... 
Care credit also only gives you a small window to pay. 
You ca n't pay before XX/XX/XXXX for the next month payment and you will only have up until XX/XX/XXXX or you will be hit late fees and a higher finance fee, and claim a delinquent payments on your credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for bankruptcy XXXX XXXX and it was resolved XXXX XXXX. After the bankruptcy my mortgage from XXXX was given to Seterus XXXX XXXX where I received monthly mortgage bills until XXXX XXXX to which I paid. According to Seterus I stopped receiving mortgage bills because of the bankruptcy. Seterus strongly encouraged me to refinance. I was not approved for a refinance. Between XXXX - XXXX my salary dropped significantly and I fell behind on a payment to which I made up three months later. XXXX XXXX I separated from my job because of medical difficulties. I immediately notified Seterus. They notified me that a modification would work in my situation if I were behind in payments by one and a half months but because I was current they could n't help. I did not pay one and a half months to qualify for the modification. I was denied the modification because I did not have employment although I had savings that I was supporting myself and family. If I were told that not having current income would ALSO deny me for a modification then I would n't have missed the payments to qualify. Seterus told me that it was a common rule not to accept modifications if a person had no current income regardless of savings. They told me that I should continue to pay the mortgage and notify them when I gained employment ( XXXX XXXX ). I did and set up a payment plan to repay the month and a half I was behind. Mind you I still had n't received a mortgage bill so I was not aware of how much was going to my arrears and what was going to fees. Last I checked with Seterus my arrears was down to about {$800.00} in XXXX. My payment is {$1200.00} and I have been paying {$1300.00} since XXXX to continue to pay on my back payment in good faith. XXXX XXXX I paid only {$600.00} on my mortgage due to car maintenance and have every intention of making up the XXXX payment at the end of the month. I received a letter in the mail stating that I owe {$1900.00} in back payments and if I do n't pay in full by XXXX XXXX they will begin foreclosure proceedings. Since my repayment issues ( due to their misguided advice ) I have no idea where my payments toward my arrears are going. Is the {$1900.00} for the XXXX payment + past arrears + XXXX arrears? Their is n't a person handling my bankruptcy account that I can talk or email directly. The telephone number constantly refers me to the web-site that has a tendency not to work by freezing five minutes into searching for information about my account. The customer service line places me on hold for a half hour or more. Seterus is aware of this web page malfunction that 's been happening since XXXX when I unwillingly became a bankruptcy mortgage customer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Experian several times to dispute these inquiries and I have received multiple answers to throw me off. The following inquiries were made without my granted consent : XXXX XXXX/XXXX  XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: OnXX/XX/XXXX I wrote Equifax a letter regarding an inaccurate collection account, XXXX XXXX XXXX XXXX see attached file ), account number XXXX, that they are reporting on my credit report. As of today, Equifax has failed to properly respond to the dispute and provide verification for the account. I filed the same dispute for the same XXXX XXXX XXXX account with XXXX and XXXX, both Credit Bureau 's deleted the inaccurate collection account from my credit file ( see attached file ). Equifax responded to my dispute by mailing a letter datedXX/XX/XXXX stating their dispute process ( see attached file ). They failed to respond within 30 days with the status of the dispute results and verification of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Debt collection (Medical) with Credit Adjustments Inc (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A company called XXXX XXXX XXXX did not correctly submit a bill to my health insurance company. I tried repeatedly to get them to send necessary documents to my ins. co. through our local BBB but they either ignored the BBB and did not respond, or falsely claimed I owed the bill. The claim has now been paid in full after I filed a grievance with my insurance company and I have a letter stating such. If XXXX had filed the claim correctly the XXXX time it would of been paid 100 % as that is what the coverage is. Instead XXXX turned it over to Credit Adjustments who call me over and over harassing me and NEVER identifying themselves. Again this bill has been paid in full to XXXX. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Loan amount started at one payment then the payment grew higher and higher. It finally stopped a couple months ago then rose again this month.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: A vehicle I had was repossessed XX/XX/2015 and sold at auction. The company Santander has since sold the debt to XXXX. However they continue to report each month as if this a current debt, repeatedly preventing me from recover from the initial hit to my credit score. I have repeatedly dispute this with XXXX as per law once Santander sold the debt they are no longer allowed to continue to report it. However Santander keeps reporting as if this is a current debt and refuses to update my report to show they have sold the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: mt student loans went from XXXX XXXX to Navient & I was due last year for a deferment so I called and they said I was approved based off my income and was good to go and could pay if I was able to & if I was not able to no worry about it I would need to re apply for deferment in XXXX XXXX 2017 so I tried calling and doing another deferment and ask why on my credit is it showing on some months I did not make payments they said was not showing in their system I had a deferment for those months but the were random which does not make since and they have refused to help me figure out the issue and why the repayment is so high they want me to pay as much as 1 and half of my weekly checks I can not do that as a mom of XXXX & when I offered to try & pay $ 20- {$30.00} here and there the denied stating I can not make a partial payment must be in full which does not make since if I was in deferment now I have all this supposed extra interest. they are not helpful at all and Im to the point they just need to be forgiven since they do not want to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a valid short sale offer in and Nationstar backed-doored my file and 'sold ' my home on XXXX, though I highly doubt that they fulfilled all of the XXXX County MLS requirements in order to do so ; the home went back to Nationstar . They stalled my short sale file out to 'sell ' the property on their own terms. 
The BPO came in at XXXX. My offer was for XXXX, with XXXX down. 
XXXX XXXX ( me, the owner ) has had several XXXX attributed to the entire foreclosure/short sale process. XXXX XXXX ( my wife and co-owner ) has XXXX. The entire process has been very traumatic to both of us and now I have been foreclosed on. 
I had a valid offer in the XXXX system and have been working on this file for close to a year with my agent, XXXX XXXX, who has been a God send to both of us throughout this very trying process. Nationstar initially tried to sell our home on their auction site ( XXXX ), but he was able to stop them once he listed all of the MLS requirements in order to do so ( see attached ). 

I am also attaching the following : Purchase contractListing agreementHardship letterAll correspondence in the XXXX system ( my agent salvaged what he could as the hard files were deleted today ) XXXX sale informationXXXX County MLS requirements to auction a homeHere is what we are ; we are talking about an older married couple in poor health that now has a foreclosure on their credit reports, and for what? The BPO ( appraisal Nationstar did ) came in at XXXX. Nationstar has the 'bid ' starting at over {$1000000.00}, though no bids were received and now it is a bank-owned REO. 

If the short sale is not put back into active review I will be suing Nationstar for the unlawful foreclosure, pain and suffering, and to release the home from REO to complete the short sale process, as well as contacting my Congressman and the media. 

My wife and I did everything asked of us and you gave us no notice of the foreclosure sale date, nor should you have foreclosed, as their was an active short sale file under review at Nationstar in the XXXX system. You stalled the file out over and over again so that you could own our home and sell it on your auction website. The home is worth far less than you think it is and your actions are nothing short of criminal. 

You should be ashamed of yourselves. 

XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: This is my second complaint to CFPB for the same issue. 
I have a PNC Rewards card. For all of the many years I have had this card, I have been unable to redeem my rewards through their website. I have called each month, for over three years and get caught up in a 1/2 hour phone tree before I get someone who manually  redeems my rewards. I complain to them on the phone and to their supervisors and I have been assured that they are working on fixing the website. 
It was never fixed and to date, it is still not working. 
I filed a complaint to this organization a few months back and PNC did promise to look into it. I also received a personal letter from XXXX XXXX, Executive Client Relations, AVP who said I can call her anytime Monday through Friday XXXX to have her help me if the problem persists. 
I tried again on XXXX/2017 to redeem my rewards via their website, and the problem is exactly the same. Same error message. No changes. 
So I called XXXX XXXX. She did not return my call. The problem is not resolved. 
Please make them fix this simple website problem. It is not brain surgery.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have over XXXX inquiries on my Transunion credit report. 
unauthorized use of name

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 12/24/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I called Experian to have my personal information corrected after I pulled my credit report. I told the agent that I spoke to that there were several addresses being listed on my credit report that were neither mine nor addresses that I have ever resided at. The agent stated that he would not remove nor update incorrect information on my report. I informed the agent that I have lived at the same address for over 13yrs and they addresses that were being reported could not be accurate. I have had the same address listed on my TX Drivers License and with my employer as well. My address has not changed in 13yrs. The agent I dealt with was rude and unwilling to assist me in correcting incorrect information.

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 04/16/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: Just started working, received my XXXX paycheck and wellsfargo student loan service took all but {$200.00} out of my acct. I never gave them permission nor my account info. The bank did an " investigation and left a voicemail stating they were not refunding the money and that I need to call the student loan company. I will be closing my account on Friday. Wells Fargo is the bank and the student loan company. The student loan was supposed to be differed. They made no attempt to contact me before taking money. After the money was taken, I received a letter stating they were using the " reset ... ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Debt collection (I do not know) with Key 2 Recovery, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Key2 Recovery, of XXXX XXXX, OH made several phone calls to our home phone, trying to collect on an alleged debt of our youngestDaughter, XXXX XXXX, who has not lived with us for several years. We told Key2 these facts, and that the alleged debt was not that of my wife or myself, and that we had not guaranteed anything for XXXX, and hadn't co-signed, etc.We told Key2 to stop calling us. ( We also had not received anything written from Key 2 before or after these harassing phone calls. ) Key2 said they would stop.

On XX/XX/XXXX, Key2 began to call us again, using cellphone numbers, and also began to call our oldest Daughter XXXX on her cellphone as well. XXXX also does not live with us. Key obtained these cellphone numbers of our Family in an illegal process called 'skip-tracing '' ; which violates consumer protection laws as well as privacy laws. The cellphone calls may also violate the TCPA.

Key2 has also called friends of XXXX  on this alleged debt, and seems to have contacted her employer. This adds to the illegal business practices of Key2, and would seem to violated Title 5 of the Federal Trade Act ; as this is an Unfair and Deceptive and Abusive act by Key2.,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To CFPB, We previously contacted you concerning Trans Union and the old inaccurate addresses still on my report. Trans Union did send us a report but stopped short of showing the deletions of the old addresses. This is troubling to us considering that Trans Union states they take the accuracy of a report seriously. Apparently not!!

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 08/18/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX, my son, XXXX deposited little over {$2000.00} at Bank of America ATM located on XXXX XXXX XXXX XXXX Maryland XXXX. ATM machine got jammed and ate up the money. ATM machine turned off by itself and restarted afterward. ATM did n't give any receipt. I, XXXX XXXX, contacted the number listed on the ATM and talked to several representative before they reimburse me {$2000.00} only. At first, they gave me {$20.00} credit but later gave me {$1900.00} more after two hours of dispute. Because of this incident, Bank of America closed our bank account after 20 years of business on XXXX XXXX, XXXX. They did n't want to tell us why they closed the account and they keep on telling me that they are not obligated to tell us. Today, XXXX XXXX, XXXX, I received a letter from Bank of America. They will be debiting my closed account {$1900.00} because they did n't locate any additional cash from XXXX XXXX transaction. I attempted several times to reach Bank of America 's claims and security department to view the ATM camera for XXXX XXXX. They said I have to get a subpoena using a lawyer for them to respond. I went to branch manger for help with this matter to no avail. Price of lawyer is more than {$2000.00}. I have exhausted all the options and I 'm in dire need of your help. 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 monetary relief
Consumer complaint received 10/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently checked my credit report and notice XXXX XXXX. I sent a letter asking for a validation letter of original contract application. I received an application that I assume is the original application, but it also seem to have falsified information that is very concerning to me. 
1. I never had an email with XXXXXXXXXXXX XXXX noted : never have all XXXX XXXX for my email ) 2. The dates they have assume I started school was from XXXX, but on the date of the application signature for me and an assume cosigner the date assumed signed was XXXX/XXXX/XXXX. That will make it XXXX months after the allege start day of classes. How could it even be possible for me or someone to sign if the date of enrollment have already started before the application date? 
3. For something that was not suppose to be electronic, why is the signature typed and printed, rather than being signed for more valid proof. 
4. It clearly have no signature of Authorized school official or date. 

This XXXX XXXX have effected me greatly, they have sent my to the credit bureau and also sold to Navient and XXXX.

Company response to consumer: Closed with explanation