milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Hung up on by lender. 

My wife and I are both listed on this auto loan - her credit report shows no late payments, mine is flagged with late payments. I 's the same loan. The loan is now paid off and I 'm still getting hit with late payment notices. 

My suspicions are some one is in the background playing around with this account because of who we are. We paid the loan off on XX/XX/XXXX, cleared on XX/XX/XXXX. As you can see I am still getting flagged with late payments. 
And as of XX/XX/XXXX we are still waiting for the title. 

The lender is XXXX XXXX XXXX. This institution has thrashed 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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information po report sent with ftc violation on the report the crepdit report is all wrong cfpb violation

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I called Equifax to see if my personal information, including my social security number, was at risk of being stolen by a recent breach and received a randomly generated answer instead of the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX I filed with this site complaint number XXXX regarding the RESPA I sent to JP Morgan XXXX XXXX. The excuse for this JP Morgan XXXX  XXXX not responding was that there was active litigation. The attached is proof there is none. I am requesting this complaint be addressed and answered now. Please see attached dismissal of XXXX XXXX XXXX Court case # XXXX has been dismissed. I am demanding JP Morgan XXXX  XXXX now respond to this RESPA in FULL. I have seen the note and mortgage for presentation, but nothing else.. This RESPA needs to be answered in Full now.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I tried to open Santander Bank Checking account again - may be i will get different questions to go ahead with the application or simply call the customer service to go ahead. But I am not able to open the account second time also. I was provided very very difficult questions to answer and that too in less than 10 minutes ( XXXX seconds time counter going on ). Is this bank really want to do the business??? Why so much difficult questions. I called upon Customer Service and talked to XXXX at XXXX to XXXX XXXX but he was also not of much help. Finally as a fall back option - I uploaded my Arizona Driver 's license and XXXX statement - XX/XX/XXXX statement but end of the day - my application was declined. XXXX told me that if in case i am travelling to North east - i can visit the branch ... .so do they expect people to fly down to their branch just because they have created totally useless and terrible Account opening module? Moreover I am not opting for overdraft protection - so why they need to so much extra vigilant in terms of identity protection ... it 's good to have identity protection to make sure somebody does n't steal your identity but if it is coming in the way of genuine and real folks ... then it 's a big problem ... i was able to answer all the questions that XXXX asked ... then why i am not able to open the account? I am in this country since XX/XX/XXXX and changed locations also. This kind of process is just too much unfair for people like me ... .why do they expect that i remember all the phone numbers for the last 15 years? Why do they expect that i should remember which credit card i had it and on what month and year? why do they expect that i should remember when my loan got closed?? Is n't it too much??? where is the limit???? this is ridiculous by every means and that too they are pressurizing the customer to answer and remember everything in less than 10 minutes otherwise you are declined. They declined my application ( i got the email immediately ) even without seeing my driver 's license and Bank statement ... .You ca n't be so so tough on anybody ... .this is absolutely ridiculous and nothing else. And if they had to anyway decline my application - why they collected all the information at the first place??? Why they wasted my time ... almost 20 minutes to work on this process of opening the account??? why not this verification process at the very start of the account opening process? Moreover how secure is my information that i have provided to them ... this is PII data - how they are protecting my identity after collecting this information from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: We filed a complaint against Experian about 45 days ago. In the complaint we specifically stated that the company never issued us a number to unfreeze the credit bureau report when we paid to freeze it. Therefore, we are unable to unfreeze the credit bureau report in order to apply for credit. Since the original report, Experian sent us a copy the credit bureau report. This is not what we asked for. Experian needs to send us a number to unfreeze the report.

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 12-07-2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Struggling to pay mortgage

Complaint: Since XX/XX/XXXX, I started submitting all requirements for Loan Modification to XXXX XXXX, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. 
I was requesting for their XXXX in-house Homeowners Assistance Program Evaluation Summary that they sent to me last XX/XX/XXXX and until now appealing XXXX to follow the right Federal Home Affordable Modification Guidelines. The right determination on the Evaluation summary indicates that on the Loan Modification Agreement should be FIXED RATE NOTE and not Adjustable Baloon rate, where the rate is fixed on 30 year loan ; the only change in our payment would result from changes in my taxes and insurances. Its not acceptable the BALOON NOTICE of {$180.00}, XXXX after XX/XX/XXXX. The way XXXX modified my Loan is illegal and not under the Federal Home Affordable Modification Guidelines. 
XXXX is trying fully vesting in & entitling me to unapplied amount Principal balance of {$80000.00} that XXXX have to Deffered my balances eligible FULL FORGIVENESS of DEFERRED PRINCIPPAL REDUCTION amount and NOT BE REDUCTION only for 1/3 %. I respectfully request that the loan be modified from their 20 year term to a 30 year term or 40 yrs, the interest rate be reduced to the current 20 year market rate and the payment should be adjusted accordingly. The very minimal reduction in payment in XXXX HAMP modification they did for me is not acceptable or affordable. It has to be re- calculate into FIXED RATE NOTE and not Adjustable Baloon Rate. 
I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated from XXXX XXXX Mortgage servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request now in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with XXXX XXXX requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. XXXX XXXX have not dealt to me in good faith until this moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Company ( Equifax ) auto-debited a credit card they were not authorized to use for an annual subscription on XXXX/XXXX/2017. When I called to terminate on XXXX/XXXX/17 when I noticed the charge, they refused to refund the full amount of {$190.00} ; instead offering a prorated refund of {$160.00}. When I disputed this, they indicated they could choose when to terminate and selected XXXX/XXXX/2017 and were due the amount between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Prepaid card (Gift or merchant card) with Blackhawk Network Holdings Inc. (IL).
Issue: Managing, opening, or closing account

Complaint: Today, XXXX XXXX, 2016, I bought what I thought was a prepaid XXXX card to pay a bill online. 

I got home and realized it was n't a regular prepaid card. It was a XXXX branded by a company called " PayPower ''. 

To access the funds and pay my bill, I " activated '' the card ( https : //www.paypower.comXXXX ) and found myself being required to open an account. 

My cash was now locked into the card and I had to pay my bill so I continued the process, intending to pay my bill and then close the PayPower account. 

Once I had paid my bill, I logged back into PayPower. The site showed my payment had been made and was pending. 

So I looked around the site for a way to close the account and avoid any fees. There was no information about closing the account so I tried to send PayPower an e-mail. 

Multiple attempts to use PayPower 's e-mail feature failed. So I called them at XXXX XXXX. 

After a very long wait, I was told a " ticket '' had to be opened in order to close the account and that I could n't cancel the account without also cancelling the pending bill payment. 

I asked about incurring additional fees and was told I would n't if I cancelled within XXXX7 days. When the pending payment clears, I was told to call back to cancel the account. 

I 'm very worried about this. 

1. Why ca n't I just cancel this unwanted account? 

2. How long can my payment be " pending ''? 

3. Why is an " account '' being sold in packaging that describes it as " XXXX Prepaid Card '' in big, bold letters? 

4. Why should I be subject to the threat of additional fees in such circumstances?

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Application, originator, mortgage broker

Complaint: My wife and I are closing on a new build and one of the preferred lenders that the builder has listed is Wells Fargo Home Mortgage. We went with Wells Fargo because they were the first to return our phone call and we were up against a time frame to get preapproved for our loan. 
Within a few days of us submitting all of our required documents for pre approval we received our letter from Wells Fargo stating we were pre approved and we were ready to begin the loan process for our new build. 
To date we have been working with Wells for 10 months and every couple of months they ask for updated bank statements, financials, etc ... However it was n't until 5 months before our anticipated closing that I noticed our loan office put in a loan requirement of a " Gift '' requirement from my father for XXXX. I immediately called and emailed the loan officer that we never discussed a " Gift '' amount to help us close and I also expressed my concern as to why this was showing in my file. A few days late I received an email back stating that they would update this in my file and that we were on schedule with everything, A few months go by and again I am asked for updated statements, financials, etc ... We send these off and two months later I receive an email saying we are short on your reserves and can I again send over statements, etc. We send these over and presume everything is good because we are showing what needs to be shown for financials. 
It was n't until last week ( 4 weeks before closing ) that we received a call that said we need to come up with XXXX more in cash to cover reserves. As you can imagine the frustration level started to go way up. Over and over again we asked to why we are just now finding out about this 4 weeks before our closing and the response from our loan officer was, " just go ask someone for the money '' or " go ask a parent or something '' So you mean to tell me this is your standard practice Wells Fargo? After stating that the " gift '' option was not an option they said, " we just need to show it and then you can return it to the person who gifted it to you '' Again we asked is this standard practice? 
Then we were told we can liquidate our XXXX. We asked if this is again a standard practice on how they treat their customers.

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 10/24/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is currently reporting a released tax lien. The information that is being reported is not correct. This information has a date being reported as XXXX/XXXX/0001. This is not a valid date and under the Fair Credit report Act, this item must be deleted. This reporting is a clear violation of the Fair Credit Reporting Act. Please delete account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OK).
Issue: Loan modification,collection,foreclosure

Complaint: I was furloughed for 18 months beginning in XXXX 2008. This caused me to fall behind on my mortgage. I have been trying every sense to get a meaningful loan modification. I have been turned down so many times I ca n't remember them all. I have been in foreclosure XXXX and dropped XXXX. The XXXX time they won a judgment and vacated it restoring the note and mortgage in full and told the court that I had paid every thing I was behind. The XXXX time dismissal without prejudice. I am a prisoner in this home. They will not foreclose, they will not take my money ( anything less than what I am behind that is ), they will not negotiate a settlement. I am XXXX years old and life is passing me by. I ca n't buy any thing with out a very large amount of cash down and extremely hight interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX I checked my credit report and all of the inquires were deleted and i checked my credit report today and my score went down.

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 10/28/2016 about Debt collection (I do not know) with First Choice Assets LLC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: keep getting calls debt collector people for ( XXXX XXXX ) a person I do not know. This has been going on for rover 5 years. Keep asking for information and the huge amount of call are an invasion of my privacy. I have asked how they keep got my name and number and they can not say.

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 02-02-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they call me two or three times a day. they already have a judgement that they cant collect on because i am on social security. i tried to resolve this debt yeas ago but they woudnt help then. i am ill nd these calls are very stressfu.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2017 about Debt collection (Other debt) with First Data Corporation (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX, 2017 I placed an order from XXXX 1  pack of XXXX calculator batteries Order # XXXX. On XXXX XXXX, 2017 we received a collection notice saying that a returned check fee of {$25.00} along with the {$3.00} original order is required ; otherwise consequences from first paragraph of attachment " scan1 '' will take place. I feel that I will have to comply to their wishes ; otherwise my credit can potentially be ruined!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX Federal Stafford loans serviced through Navient - XXXX of them at 2.65 % and XXXX at 6.8 %. From repayment beginning in late XX/XX/XXXX through XX/XX/XXXX, I was on a graduated repayment plan that covered interest plus put a small amount toward reducing the principal balance. This plan was one of the few repayment plans offered through Navient 's website, with no way to customize to which loans payments are allocated. Looking at my account history, it appears Navient directed all payments to principal for that time period to the loans with the lowest interest rate and paid INTEREST ONLY on the XXXX loans with the high 6.8 % rate. With the limited amount of money I could afford to pay at the time, Navient chose to direct 4 years worth of payments exclusively to my low-interest loans and allow my high-interest loans to accumulate interest in order to benefit Navient 's bottom line and take more money out of my bank account. As a federal loan servicer, I trusted Navient to do what is right for the student, however I now know better and urge other borrowers to pay obsessive attention to the way their payments are disbursed. Navient seems to make it as difficult as possible to understand how payments are distributed and even more difficult to ensure they are doing what is right for the borrower. These deceptive practices have cost me hundreds of dollars in additional interest payments since repayment began.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint was submitted previously complaint number : XXXX In the previous complaint the creditor stated a letter was sent to all three bureaus to have this deleted from my credit report ; however, this is still reporting on ALL 3 bureaus. I would like the letter to be sent directly to me as well as the reporting agencies. I think enough time has been allowed to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have reviewed my credit file and have been turn down for credit due to XXXX XXXX listing me as still having active revolving line of credit with them. This item does show as XXXX balance however it does show as an active line of credit which is incorrect. I was told by XXXX Representative at the company on XX/XX/XXXX that a request to delete my information was placed to all XXXX credit reports. I still see this item listed and have been turned down for credit due to this situation. I spoke with XXXX from consumer relations department at XXXX XXXX who researched and stated that this item should have been deleted back in XX/XX/XXXX and stated that it was deleted however it still showed listed on my credit report. I would like full resolution on this matter I am a single mother working very hard to clean up my credit. I have paid XXXX of dollars to do so by filing chapter XXXX and have been discharged and I am very confused as to why this is still showing on my credit file and has prevented me from obtaining certain credit needed for my family. I have learned that this credit stared from XXXX card and was given to XXXX XXXX to act as their collection agency. When XXXX gave my information over to XXXX XXXX I was in an active chapter XXXX case. So this was incorrect reporting from the start. Because I lacked maturity and did not have the education and tools I have now I was not able to confront this situation. I would like your assistance with resolving this matter please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect addresses on both agency 's reports.

Company response to consumer: Closed with explanation