milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Both now XXXX XXXX XXXX { which has been reported to the Washington Attorney General } and XXXX have maliciously destroyed me Both and all including yourself have made a XXXX mess which I am willing to contact the News and have all exposed. This is what you all have managed to do Wipe out my good credit that I worked hard at, THANKS XXXX drop me from XXXX score down to nearly XXXX, and XXXX has managed to XXXX me out no thanks to YOU! I have had it with the covering up, the lies and the deception from all of you And I am now going to use the money I have saved for a Car, to hire a ATTORNEY and sue ALL OF YOU FOR TORT, PUNITIVE DAMAGES and FRAUD. You have XXXX me off this time XXXX XXXX, 2017, I CALLED XXXX XXXX AGAIN, THE ACCOUNT IS {$0.00} AND THE ACCOUNT HAS BEEN CLOSED OUT AS PAID IN FULL, THEY HAVE SUBMITTED TO ALL THREE CREDIT FRAUDERS THE INFO, SO WHOEVER IS XXXX AROUND, YOU APPARENTLY HAVE NO IDEA WHAT YOU ARE DOING BUT TO KEEP THIS GOING FOR 5 MONTHS TELLS ME ITS TIME TO FILE A XXXX LAWSUIT, THAT MEANS I HAVE TO TAKE A LEAVE OF ABSENCE, LOOSE MORE MONEY BECAUSE YOU IDIOTS CANT FIGURE OUT WHO IS WHO. YOUR ALL SO XXXX PATHETIC, YOU COULD N'T FIND A BROTHEL IF IT WAS RIGHT AROUND THE CORNER. THAT 'S JUST PRETTY SAD. GUESS I MAY HAVE TO ALSO CONTACT THE WHITE HOUSE AND LET THEM KNOW THAT THEY GOT MORE INCOMPETENT PEOPLE CLAIMING TO BE WALKING ENCYCLOPEDIAS WITH EMPTY PAGES. NO WONDER THIS NATION IS SO XXXX XXXX, LOOK WHO 'S LEFT TO HANDLE THINGS!

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 05-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX credit bureaus ( XXXX, XXXX, and experian ) are improperly reporting my home line of credit under derogatory items. XXXX XXXX XXXX put it down as " collateral depreciation '' and the credit bureaus now put it under derogatory items and it lowers my fico score so I ca n't refinance my other properties. Hence, discriminating against the millions of consumers who had their home values drop, negatively affecting their overall ability to borrower at the best rates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with JPMORGAN CHASE & CO. (ID).
Issue: Billing statement

Complaint: Chase credit cards set up their due dates to occur on Saturdays, and Sundays frequently during the year. If I set up and automatic bill pay with my XXXX account with two-day delivery on a Thursday to arrive on Friday, and the due date is either on a Saturday or a Sunday Chase will not recognize the payment arrived on Friday ( evening ) and charges late fees and interest. This is a ridiculous business model and cheats the consumer by allowing them to charge late payment fees, exorbitant interest fees, etc. If the due date is on a Saturday or a Sunday on the billing statement Chase and all banks should have the required staffing to receive the payments. Otherwise, they should record all payments received Monday morning as arriving by the weekend due date. This is a blatant banking practice and the CFPB has done nothing to stop this practice which is unfair and harmful to consumers. The best description of my issue includes billing statements, late fees, other fees and interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XXXX of this year, I had statements that reflected my payment was not due until XXXX 2017. They never placed the overage I was paying against any of the loans. I requested them to leave one month cushion and place the overage on my smallest loan. I pay before the due date and have late payments every month for they area simple interest loan ( highway robbery ) so why have a due date!! They took all the payments an placed on the loan making one month behind now and a rolling 30 day late and have crashed my credit rating. 

How can this be clear up? They are the worst company and govern reports that student loans never get paid back!! you should have a term loan not legalized loan sharks handling this ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid off in XXXX. ProCollect ( the company ) accepted payment for all debts in their offices in XXXX, XXXX. XXXX XXXX received notice from the company on XXXX/XXXX/XXXX that all debts had a XXXX balance and as part of the agreement, the debt would be removed from his credit report ( proof of this email exchange has been sent to the company 22 times, final receipt was by certified mail on XXXX/XXXX/XXXX. ) After collection attempts continued, the CFPB was notified and a case was opened ( XXXX ). The result of the case was XXXX XXXX would no longer be receiving phone calls from the company and the item ( s ) would be removed from his credit report. The items were removed from the report, then subsequently added back to XXXX XXXX ' credit report. ProCollect has violated the Fair Debt Collection Practices Act and with malice has caused due harm to 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 07/17/2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (IL).
Issue: Applying for a mortgage

Complaint: I contacted Ditech Financial to set up payments for every 2 weeks so that I could pay my loan off earlier and save come interest. I was told that I could change my loan from a variable rate to 3.5. I then sent in all the information and was told that the title was not in my name. Funny, the tax bills come in my name.
Here 's his email   XXXX   XXXX  , The title company just verified that you are not the owner of this house. The title is in the names of   XXXX   and   XXXX   XXXX  . You can not refinance this property with them on the loan. I can add  XXXX  and  XXXX  do the loan if you like and add your name to the title.
Please let me know how to proceed.   XXXX   XXXX    www.ditech.com/  XXXX   NMLS License #  XXXX  Ditech, a   XXXX    Company Home Loan Specialist Ditech Financial LLC |   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , PA  XXXX  Telephone   XXXX   | Fax  XXXX   XXXX  ditech.com See what our customers say about us : ditech reviews My mortgage is CURRENT.
What 's his scam? They even sent someone out to appraise the house-was that a scam too? Has this harmed my credit or my family in any way?

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (MD).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: {$12000.00} For ONE Year of College In 2007, I was a XXXX with my sights set on college - and only {$20000.00} standing in my way. I received a colorful advertisement in the mail from Chase Education Loans promising the bright future I was so desperately seeking, and snagged the opportunity immediately. Sure, I read the fine print - but at XXXX, I did n't quite understand the meaning behind " variable interest rates '' and signing away my soul. I wanted to go to college, and Chase offered the solution. Problem solved! 

During my first month at school, I received a piece of mail from Chase - my first piece of mail addressed to my dorm! I opened it up, and sat down in shock as I read the numbers printed on the paper - My {$20000.00} loan was in deferment until I graduated, but would continue to accrue interest during that time period. Over 30 years, I would end up paying {$100000.00} in interest - that 's a grand total of {$120000.00} for my XXXX year of college. 

Once I 'd obtained my XXXX and my loan came out of deferment, I was sent a bill with a whopping total of {$34000.00} to start paying on - and a minimum monthly payment of {$330.00}. Out of that {$330.00}, only {$30.00} goes towards the principal of the loan - meaning I 'm paying {$300.00} a month in interest. 

Drowning seems to be the only way to describe how I feel when faced with the reality of my situation - although helpless, ashamed, and depressed are right up there as well. After 3 years of making payments on this loan, I have n't even scratched the surface - my statement this month says I still owe {$34000.00}. The total has n't gone down despite paying every month, it 's gone up! 

I 've tried educational counselors, financial advisors, loan forgiveness programs ( unavailable to private loan occupants ), renegotiating the terms of my loan with Chase - you name it, I 've tried it. I feel desperate and frustrated all at the same time ; I went to school to provide a better future for myself and my family, and yet I 've put myself into a predicament that I ca n't seem to climb out of. I 'm desperately trying to make something of myself, and yet my student loan for ONE year of college is truly making it impossible for me to move forward! 

Times are tough for everyone - in a struggling economy, we 're all just trying to make it from paycheck to paycheck. My goals in life, however, are stymied by the weight of the decision I made at XXXX - the decision to believe and trust in a company as prosperous as Chase so that I could go to college and accomplish my dream of a degree. 

Thank you for reading my story - and hopefully learning from my mistake! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Mortgage) with Real Time Resolutions, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, XXXX, my home was foreclosed on. The first month of delinquency was XXXX XXXX for the XXXX and XXXX mortgages. The derogatory information remained on my credit reports for 7 years from that date of first delinquency and fell off XX/XX/XXXX. This year, XX/XX/XXXX, Real Time Resolutions re-inserted the XXXX mortgage on my XXXX and XXXX credit reports with new inaccurate information. I disputed this inaccurate information with XXXX and XXXX on XXXX/XXXX/XXXX. I also sent Real Time Resolutions a certified letter with return receipt demanding validation. I still have not received any supporting data for this debt but Real Time Resolutions has supposedly verified the debt with XXXX and XXXX. The home was foreclosed on in XX/XX/XXXX, so it is impossible for any activity to have occurred after that date. Real Time Resolutions re-aged the last activity to XXXX, which is a lie. I sent the credit bureaus in all of the supporting data showing that the re-insertion was an old debt from a foreclosure from XX/XX/XXXX and they have ignored my requests to delete. I feel the acts of Real Time Resolutions are unethical and violating my rights to fair credit reporting. The derogatory information remained on my credit report for the 7 year length that the law allows and Real Time Resolutions should not be allowed to re-insert this old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, Equifax and XXXX has been run inappropriately, mis-used, Illegally " shopped '' Auto Financing for what was approved for each company involved. XX/XX/XXXX - XXXX XXXX XXXX XXXX TN - With this company I came to dealership to have them submit potential loan to XXXX XXXX ONLY but they refused to do so due to % of loan to value because of negative equity. I advised this was to Only be submitted to XXXX XXXX but I received inquiries for all bureaus for XXXX, XXXX XXXX, XXXX XXXX, XXXX inquiry date ALL on XX/XX/XXXX -XXXX from company said he did not run it through to anyone yet showed the credit pull through ALL Bureau 's XXXX , Equifax and XXXX has been run inappropriately, mis-used, Abused, Excessively Illegally " shopped '' Auto Financing for what was approved for each company involved. XXXX XXXX XXXX TN - They did not only over run my credit for One date but also re-ran it again without my consent, signature or verbal approval. When asking about my paperwork they would be submitting they refused to give me this information. I advised them to only run to XXXX XXXX, XXXX XXXX, or XXXX  XXXX when I came in as I am trying to buy a house, On XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX they ran with XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX , XXXX  XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX  XXXX , XXXX., XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX , XXXX, XXXX - XXXX from company refused any paperwork for any potential deal they may of submitted, refused me copies of anything signed.Refused to show me any " numbers ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Advantage LNS Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation must remove violation of my rights idthft victim po report send hpd inquires are not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: They do not update my information/have incorrect information on me and I can not correct it, I can not log in due to the security questions not being correct

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

Complaint: My and my wife 's information was involved in the Equifax Security Breach. We have taken steps to place a 90 day fraud alert from the website. I 'm still concerned that our identities have been put at risk and have opened up opportunities for identity fraud. We are extremely careful with whom we do business and take exhaustive steps to keep our information private and secure. This is an inexcusable injustice as the ONLY job that Equifax has, in my opinion, is to keep our personal information secure.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Student loan (Private student loan) with MOHELA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This company broke the terms of the accord set by the check I sent them which they have already cashed. I informed them that I will be sending them a conditional endorsement check payment by sending them a letter last   XXXX   XXXX  , 2017. Attached with this complaint is a screenshot of the USPS tracking page where it shows, they received my letter last   XXXX   XXXX  , 2017. I then sent them a check dated   XXXX   XXXX  , 2017, which cashed. Clearly the condition on the check says, " to delete the negative reporting from my credit report for check to be cashed ''.
The check has been cashed and the negative information still remains. This is a violation of California Civil code. Please see attached files proving this company 's violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (OR).
Issue: Account opening, closing, or management

Complaint: 2 months ago. i need it at checking account so i went into well Fargo and open up a checking account I gave the banker employee all my information for the bank employee to submitted and conclued open up my checking account i deposit {$100.00} and during the course of two months i deposit XXXX money orders that i buy it from XXXX XXXX but i was not able to use it so i deposited into my account and i have received XXXX deposit of {$530.00} so 2 weeks ago i call welll fargo due to i was not able to check my account on line. i was specting at deposit from XXXX XXXX XXXX from florida the banker indicate that my account has been close due to at suspicius activity to confirm what the bank its talking about it i went to the branch on XXXX XXXX XXXX and requested for at print out of my account history i read it and found all my deposit and bank activitys corrected it i have found nothing unusual or unathorized so i ask the bank to gave me the reason why my account its closed the bank didnt gave me at reason it all.but Iam on the inpression that this got something to do with 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 11-02-2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint: In late XXXX or early XXXX XXXX My husband went to XXXX XXXX to get an oil change on his XXXX XXXX. After a few hours, he called to tell me the salesman we have always used there, XXXX XXXX, introduced him to a fully loaded XXXX XXXX XXXX. At this time my husband had recently completed XXXX. When I got to the dealership I was reluctant to agree to this jointly. I privately talked to the salesman and told him I was worried about signing jointly in case XXXX 's health did not continue to improve. Noteworthy - we were there several hours due to my trepidation and in that time my daughter called to ask if her fiance was eligible to use my father 's XXXX XXXX discount. I was told by XXXX XXXX that he was not. I was also told that if my husband wanted this car I would have to be on the lease because I was the family member for the XXXX XXXX or the discount would not apply. I also have a lease on a XXXX for my own use. In short, I felt pressured to sign. My husband XXXX on XXXX XXXX, XXXX due to XXXX XXXX XXXX and I 'm being told I 'm locked into this lease for a car I do n't like or want. l recently found out I was NOT required to be on the lease per the terms of the XXXX XXXX. My daughter 's fiance also lost out on a large discount because of this misinformation. This has caused a terrible financial burden, as my husband XXXX without an estate or any XXXX insurance. I feel that the dealership had a fiduciary responsibility to give me accurate information or find someone who could. When I found out in XXXX XXXX that I did not have to sign this lease XXXX XXXX went to his supervisor who verified verbally and publicly in the showroom that I was not responsible to sign that lease in order to receive the discount. At this point I am barely making ends meet as I continue to pay for 2 leases registration and insurance and drive only 1 car. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Ok I Submitted a Dispute to Experian about the Misreporting they have on my Credit Report. I filed Bankruptcy XX/XX/XXXX and Finalized By US Bankruptcy Court XX/XX/XXXX. 
They continued to report Negative payments prior to these dates. The penalized me for them Via FICO score. The only reason I filed Bankruptcy is I was unemployed for 2-3 years because of the Recession XX/XX/XXXX. I even took out Loans during that time, managed to pay them in Full, Never late as shown on Attached Dcouments. They also show me at an Address of residence at XXXX XXXX XXXX XXXX XXXX XXXX which is the Address of My Bankruptcy Attorney in XXXX Florida. 
They do not even indicate my Current employer where I have been working and employed as a Fulltime employee since XX/XX/XXXX. see XXXX attached and Experian docs Misreport attached. 
Thank You I just hope you can help. 
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 non-monetary relief