milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: In XXXX my daughter, XXXX XXXX XXXX, filed for a student loan from Wells Fargo Financial. She was attending graduate school at XXXX XXXX XXXX in XXXX, AZ. Because she did not have a job, I co-signed on the loan. Since that time she has completed her masters, has a full time job and has been paying on the loan faithfully for the past 6 years. Now that I am XXXX XXXX XXXX, I want to be released from the note. She has submitted 2 separate applications for me to be released but they have denied the requests. When we each called for clarification they have refused to explain why she was denied, insist that we are not entitled to an explanation and there is no one to talk with. They have been rude, dismissive and arrogant.

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 01/23/2016 about Credit reporting () with Experian Information Solutions Inc. (RI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My credit score has gone down by XXXX points in 6 months. I have no open credit cards. I have had NO cards for over 10 years. I am trying to discover WHY my score keeps dropping? Last summer it was XXXX. Yesterday via, XXXX XXXX, it lists at XXXX! 
I am a small business owner and I 'd like to determine my correct credit standing. 
There is an old utilities bill on my report that I disputed months ago. The agencies required ( XXXX ) hard copy proof of ID and residence which I sent. I never heard back except with the same report. They did not address the inquire. They also stated I had excessive numbers of inquires. That 's ca n't be the case except for VERY recently with one last month and one last week. These are my very first applications for credit in over 10 years. What else would constitute a inquire if it does not come from an application I fill out myself. There reports are hard to read, in super small and " XXXX '' like format on the printed page. It would be appreciated if they could update their report layout for better clarity and understanding.They do n't address your questions and bog you down with copies. 
I 've lived at the same address for over ( 6 ) years and have not applied for more than ( XXXX ) lines of credit. Only XXXX was a CC and that was only yesterday. The other was with a XXXX to XXXX loan that turned me down. 
The utility is has been on my report for ( 6 ) years. 

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 explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: All of my student loans except for 2 private loans from XXXX XXXX have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in XXXX XXXX  XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of tXXXX XXXX  XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XXXX and XXXX of XXXX ) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay XXXX XXXX  monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: there should be a catagory for ''CREDIT REPORTING CRIMES AND FRAUD '' this would explain chexsystems making bad reports on my good name WITHOUT HAVING ANY TANGIBLE PROOF OF ANYTHING, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND they send me a letter i have a ''consumer file '' how did that XXXX  happen? I am not thier comsumer, can i see evidence that im a consumer of chexsystems? SHOW IT TO ME, AND WHO THE XXXX MADE ME A CONSUMER NUMBER WITHOUT MY CONSENT? AND THIS IS A CRIME FOR SURE, LET ME GET THIS STRAIGHT FOR THE UMTEENTH TIME, IM NOT YOUR CONSUMER, IM NOT YOUR MEMBER, IM NOT YOUR CUSTOMER, AND YOU CAN NOT HAVE MY SOCIAL SECURITY ACCOUNT ACCESS, ITS A TRUST ESTATE ACCOUNT AND I FORBID XXXX   TO ACCESS IT, AND NO IM NOT GOING TO VISIT YOUR WEBSITE BECAUSE I DO NOT HAVE A CONTRACT WITH YOU CRIMINALS, AND IM NOT GOING TO CALL YOUR XXXX XXXX ON THE PHONE WHICH ASK ME FOR PERSONAL INFORMATION WITCH IS NONE OF YOUR XXXX  BISNESS, I WANT TO KNOW ALL WHO YOU ARE REPORTING FOR AND I WANT FULL DISCLOSURE OF ALL REPORTS WHICH YOU HAVE FAILED TO DO OVER THE PAST YEARS AND COMMITTED MORE FRAUD AND CRIMES

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 05/19/2016 about Consumer Loan (Vehicle loan) with SUMMIT FINANCIAL CORP (GA).
Issue: Problems when you are unable to pay

Complaint: In XXXX XXXX, XXXX of Summit Financial Corporation called my place of employment because my payment was about XXXX week late. I asked her not to contact me at my place of employment because I am not allowed debt or credit collection calls at my place of employment. On XXXX XXXX, XXXX, XXXX called my place of employment because they had not received my payment that was due on the XXXX and left a message in my work 's voicemail. I returned her call on XXXX XXXX and spoke with her. I told her that payment was mailed on XXXX XXXX, and I asked her not to call my place of employment because I am not allowed debt or credit collection calls at my place of employment. XXXX became irate with me. I mailed a letter, via certified mail, to the company stating that I have asked them numerous times not to call my place of employment and that I would like them to stop calling because I am not allowed debt or credit collection calls to my place of employment. I also informed them them of XXXX rude behavior. The letter was delivered and signed for on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Struggling to pay mortgage

Complaint: I am at the tail end of a short sale with the property. There is a very good cash buyer that has put in a serious offer considering the repair the property needs and we are almost done with the short sale. The  XXXX  lien position has agreed to the value and has submitted their approval letter on the file, however the  XXXX  lien position is stalling and even though we have asked them several times to postponse the foreclosure sale date to allow adequate time to negotiate short sale and allow time for the bank to respond, they have not wanted to postpone the foreclosure sale date. The seller 's family who lives in the home ca n't possibly relocate so quickly. There is a veteran in the home, the seller 's husband who is on   XXXX   XXXX    XXXX . The bank, Chase, has once offered them a {$30000.00} relocation incentive, and now will only offer {$3000.00} but not even sure if they would postpone foreclosure as they are doing everything they can to divert the sale and not provide responses. They have avoided the issue of postponing the foreclosure sale date several times. The sellers are scared, they do n't know where they are going to go, especially with the husband and his  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have made over XXXX attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX/XXXX/2016 I sent a certified letter to TransUnion through the XXXX Office. By way of returned receipt of signature, they received this letter on XXXX/XXXX/2016. This letter was regarding the removal of credit inquiries that were not authorized by me in any way. As I understand it : The FCRA states that the only permissible purpose for pulling someone 's credit report is : a. ) firm offer of credit, b. ) insurance, c. ) employment or, d. ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX 2. XXXX 3. XXXX ( 2 times ) 4. XXXX XXXX 5. XXXX ( 2 times ) 6. XXXX XXXX XXXX. XXXX I pulled my credit report this morning and TransUnion is still reporting the above inquiries. As this is day XXXX since they received my request and all they provided me was a copy of my credit report indicating the above referenced inquiries have been verified. Yet, they failed to provide me with verifiable information substantiating that these inquiries were indeed accurate and did not do so within 30 days. 

Due to all of the above, I need your assistance in contacting TransUnion for the removal of the inquiries detailed.

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 09/30/2017 about Debt collection (I do not know) with URS Holding, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX, XXXX, i was repeatedly contacted by XXXX XXXX from Alltran XXXX or XXXX XXXX. I was left repeated voicemails to contact him regarding a collectipn of a debt. The calls came in at XXXX, XXXX, XXXX, XXXX, and I returned call at XXXX p.m. 

I was notified by XXXX XXXX that it was an attempt to collect a debt. He the said it was for XXXX XXXX, i then told him i was her mother snd would relay message since she was not available on my phone. 

XXXX XXXX, XXXX, i was contacted multiple times by XXXX XXXX XXXX. I recieved calls on my cell at XXXX, XXXX, XXXX, and also a message was left by him with the school secretary at XXXX p.m. ( see attachment ). 

I returned XXXX XXXX 's phone call and told him not to contact my place of work since the debt was not mine but my XXXX year old daughter, an adult. He then explained that he had permission to contact me from my daughter. 

I was really distressed by him calling my wotknplace and told him that it was illegal to contact someone whom is mot the debtor. He tried to tell me he hsd permission from my daughter to call me. She denies this allegation from XXXX XXXX. 

He said he would pit me on a do not call list but was called again at XXXX p.m. No voicemail was left. 

I would like for XXXX XXXX to provide an apology for his harrassment. Also, some sort of reprimand for his unprofessionalism and unregard for the U.S. law. 

The calls came in repeatedly from the following phone numbers XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Credit card) with CITIBANK, N.A. (MA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX/XXXX/16 at approximately XXXX a debt collector representing XXXX calls a third party ( my brother ) and shares confidential information regarding credit card debt that I allegedly owe to the company. The debt collector asked for contact information regarding me and my place of employment as well as a personal cell phone number. After he received my personal information the debt collector calls me without identifying himself.

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 12/18/2017 about Mortgage (FHA mortgage) with MOVEMENT MORTGAGE LLC (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: OnXX/XX/XXXX I initiated a conversation with loan officer XXXX XXXX of Movement Mortgage regarding obtaining a mortgage. On XXXX XXXX, XXXX I submitted an online application for a mortgage as requested by XXXX XXXX. 

Although I provided Movement Mortgage with all requested documents and information in a timely manner, I did not receive a decision for 43 days. I was informed via a voice mail on XX/XX/XXXX that my application was denied. XXXX XXXX said she would email me with additional information. She did not email or mail any additional information. 

To date, nearly six months later, I have not received any information regarding why Movement Mortgage declined my application.

Movement Mortgage violated my right to Find out whether my loan was approved within 30 days of submitting my completed application. Also, since my application was rejected, Movement Mortgage was required to provide that information to me in writing, not by voice mail. 

Be given specific reasons why my application was rejected. Movement Mortgage was required to give me the specific reason for the rejection or tell me that I had the right to learn the reason if I asked within 60 days.

Movement Mortgage may have rejected by application because of information in my credit report. If so, Movement Mortgage was required to tell me that, and give me the name, address, and phone number of the consumer reporting company that provided the information. 

I believe I was unfairly refused this loan because I am a divorced woman.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Debt collection (Medical) with Med-1 Solutions, LLC (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: After I denied the medical bill to the collection agency ( Med-1 Solutions XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. His collection agent informed me that they could get a judgment without me being notified or without me being in court. After several attempts to have my day in court to present the same documents that I presented to the collection agency and the same documents that I presented to XXXX XXXX Hospital disputing the charge is the same documents that I wanted to present to the courts. 

However, it is very clear that the Collection agency have taken legal action without my knowledge. I was not notified of a court date by the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient has been in trouble for obscuring verifiable student loan repayment information before. They also have a ongoing practice of " losing '' or " misidentifying '' submitted materials. I submitted information for an Income Based Repayment schedule. They conveniently " lost it. '' I called to direct them to the material in their hands/system. They confirmed ONLY WHEN I CALLED that it was their mistake and I had submitted the paperwork. They then " kindly '' put me on a two month forbearance while they " fixed '' the problem and processed the paperwork they already had in their hands. I will be accruing interest on my loan during that period. This is regular practice for Navient. I have never submitted materials they did not somehow " lose '' or " misplace '' or " misidentify. '' They consistently offer a forbearance and giving their clients no option but to accept it as they process work they could have already completed. 

Someone needs to audit Navient and affirm that they have not made it a policy to delay processing of loan repayment paperwork. In my experience this has happened multiple times. It can not be a coincidence. If it is a coincidence then the Federal Government needs to rethink their connection with Navient until the company can either improve upon their blatant incompetence or comply with federal student loan policy. It appears that no one is policing them, even after their issues last year.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I experienced a change in employment circumstances and am earning less than I have in the past. In response to this change, we applied for a HAMP Modification through our mortgage servicer - OCWEN - on XXXX/XXXX/2015. We took this step because we know that our new gross monthly household income puts our monthly mortgage payment at more than XXXX % of our monthly take. 

After applying, OCWEN requested additional documents every 2 weeks or so. On several occasions, the request was for documents that had already been submitted previously. This morning, some 10 weeks after our application, OCWEN denied our request for a HAMP Modification, saying that our mortgage payment was already less than XXXX % of our gross monthly household income, and thus we do n't qualify for the program under Federal Guidelines. 

This is not the case. 

When I pressed the representative for OCWEN on what numbers they used to determine our eligibility, he told me that they calculated our monthly gross household income at {$XXXX}. We have never made this much money. 

In our application, we provided details and documentation for our gross monthly household income of {$XXXX}. Our actual income is somewhat less than this ( details provided in the documentation attached ). 

It is our contention that OCWEN is employing stalling tactics - asking for duplicate documentation, taking excessive time to process submissions - and later using fictitious figures for calculating gross monthly household income with the purpose of denying a HAMP application and charging late charges and property inspection fees in the interim. 

The result is that we have been charged hundreds extra in fees, and are now closer to foreclosure with a reduced ability to cure the default by alternate means ( i.e. a forbearance repayment plan ). 

We understand that in a foreclosure scenario, OCWEN would have a claim against the proceeds of an auction sale for any amounts owed in fees, and that this is what animates their engaging in stalling tactics and fraudulent denial of our HAMP Modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i was never giving notice that the debt was in collection, until i pulled my credit and when i did i seen it and i also seen that they ran my credit twice..they are not allowed to run my credit twice, i called and asked why it was ran twice and the male asked me if i was in washington state told him i was and he said that he wasnt licensed to work in washington and i asked then why was it sent there and why my credit was ran twice and he refused to answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX   XXXX  my credit report was pulled and In reviewing my report, I noticed the following error : Bank of America #  XXXX  This item is incorrect because The account has been in Charged Off status since  XXXX / XXXX / XXXX  ; And should be reported as such.     Also since the account was charged off the  24+  90 day lates which are reporting in the system is incorrect and should instead be 0 times 90 days.     On  XXXX   XXXX ,  XXXX  I called Bank of America and spoke with  XXXX  she transferred me to the credit analyst dept.  XXXX   XXXX . He said the account was charged off on  XXXX / XXXX / XXXX  and that they had not been reporting any 90+ day lates to the credit bureaus. I requested a letter from Bank of America stating this.     On  XXXX  I received a statement from Bank of America and it was a actual account statement from  XXXX   XXXX . Showing {$0.00} Balance.     I called Bank of America again today and spoke with  XXXX  who then transferred me to Charge off department  XXXX   XXXX  she she very mis informed and I ask to speak with a manager. She transferred me over to  XXXX   XXXX   XXXX . I went over my concerns that the account is showing a  Charge  off but still showing 90+ day lates. He said he would send a letter out to me. At this point I do n't have much confidence in Bank of America or their support staff.     I am hoping you can help me resolve and address this issue.

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