milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Budget Planners of South Florida, Inc (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I  received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the National Budget Planners and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX National Budget Planners sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (SD).
Issue: Credit decision / Underwriting

Complaint: Recently, we sold our home for a great profit - in hopes of purchasing a new property. Upon our application for a new mortgage it was discovered that Freedom Mortgage had given us XXXX late payment marks on our credit score, this made us ineligible for any mortgage loan program. After researching the issue, we 've discovered that Freedom adjusted our escrow payment, and did not appropriately notify us of those changes - as a result the consistent payment we had been making from our bank account was slightly less money than the new payment amount. We have never missed a monthly payment, once we realized what had happened we had adjusted our payment up to the correct amount, and again recently the escrow amount dropped, and we were not notified - so we spent a few months paying slightly more than we needed to. Freedom Mortgage is ruining our ability as a family to make large purchases, and handicapping our credit for the future.

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 12/15/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midland Funding removed funds from my account for a debt that does n't belong to me. I recently sent a letter stating that the money that was removed from my account belongs to my elderly father who is XXXX all the money came from is social security check to be used for is living expenses and is final burial expenses. I also explain to Midland that I am the sole caregiver for my father and all the monies removed belongs to him.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Student loan (Private student loan) with SLM CORPORATION (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have been making student loan payments for months until I become unemployed. Even while I was employed, I asked to lower my payment of {$1000.00} a month and I was denied. 
I felt lied to because while I was applying for the student loan, they said there are income based payment options. No one worked with me about that. 
So I continued to make $ XXXX payments until become unemployed on XXXX/XXXX/XXXX. 
I initiated the call and explained them that I lost my job and asked for some time until I find a job and continue making my payments. 
Every time I told them I am unemployed and have no money to pay them, they kept calling weekly. Constantly harassing and threatening. Some weeks they called more than once the same week even I spoken to an agent 2 days prior. 
Called me non-stop, kept calling and bothering my mother which she got very frustrated because she could n't understand exactly what they were saying due to English being her second language. 
All I wanted from them is to stop harassing me and give me time until I find a job. 
Instead, they kept threatening me with default and possible legal action. 
I am on the verge of XXXX, and I need a way out and/or some one who can help me make arrangements with them. 
My credit score went from being very good to very bad in a matter of couple of months. 
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 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: CAPITAL ONE ONCE AGAIN FAILED TO RE-INSERT BOTH ACCOUNTS ONTO XXXX. BECAUSE OF THIS WE HAVE TO CLOSE ALL ACCOUNT, AND FILE CHAPTER XXXX BANKRUPTCY NEXTWEEK.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The IRS withdrew my tax lien but Equifax is showing it on my credit report as " released. '' I requested an investigation but got nowhere. Equifax simply confirmed the incorrect information. A withdrawn lien is supposed to be completely removed from my report altogether!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Debt collection (Auto debt) with American Lending Solutions, LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/2018 : COLLECTION FRAUD CONTACT INFORMATION FOUND FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a recovery management company XXXX XXXX XXXX ( XXXX ) called and asked for [ woman 's name I do not know ], I said she has the wrong number. She said is [ man 's name I know ]. I said, who is this? She said is [ woman 's name I do not know ] his mother? I said no. What is this about? Lady rudely hangs up the phone on me. 
XXXX I call the number back and talk to a representative, demanding to know who they are and what this is about. They tell me unless I give them my name, information, SS # they can't look in their database and help me. I do not give out any information and I hang up. 
While on that call someone from ( XXXX and XXXX ) calls me one after another but neither caller leaves a message. 
XXXX I call XXXX number back to see who it is. Her name is " XXXX '' and she is asking for my husband. I ask why doesn't she call him? She said she tried calling but there is no answer. I ask her who is she trying to reach? She said [ man 's name I know ]. So I said if it's important leave a message I can't help you. She used a cold tone I'm assuming to try to intimidate me. 
My husband has had his identity stolen once already and getting phone calls like this put us on edge. They were very pushy about it and made it seem like the person they were trying to reach is in some kind of trouble and by me not giving info I was not helping that person out. These people are predators, they are trying to suck information from decent hardworking people. I don't care if they are looking for others to get what they need. Their use of skip tracing to strategically connecting the dots is so disruptive to the rest of the United States. They don't care though ... .they get paid handsomely to find their person ... such an incredibly selfish way to do business.

Company response to consumer: Untimely response
Consumer complaint received 10-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2016 I had a XXXX balance in my CHASE checking account, then on XXXX XXXX, an incoming recurring debit card transaction hit my account, at which time CHASE arbitrarily decided to push through a debit card transaction in the amount of {$99.00} and then billed me a {$34.00} insufficient funds fee. I called customer service to find out why the transaction was not declined, I was told by the agent on the RECORDED CALL, that CHASE reserves the right depending on account standing to pay for transactions that come through the account and then as it turns out, charge their loyal customer for their generous act of kindness. I then told her that I signed a document stating I did not want CHASE to pay for ANY DEBIT CARD transactions when there was n't enough money in my account to cover the purchase. She then proceeded to tell me that " I know, it 's confusing, CHASE corporate is actually trying to figure out a way to make this less confusing for customers since they are confusing us paying for debit card transactions with overdraft protection. '' I do n't want overdraft protection, I do n't want ANYONE to pay for transactions on my account when there is no money in it. They are gouging the public with deceptive practices, they even admit there is no rhyme or reason, CHASE pays the transaction and then gets rich billing their customers NSF fees. Laws are enacted to limit the amount of fees these big banks charge in a given day, and then these banks find a way around the laws in order to still bill those NSF fees. I 'm shocked there has not been a lawsuit brought against these banks because of this as of yet!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This company reported a Debt to the credit bureaus that is not mine, this is a fraudulent account that was opened in my name, I reported this fraudulent activity to the police and the FTC. This same debt was reported to my credit last year and the credit bureaus verified and deleted this account. also I found out that this is a new collection agency trying to collect on an account that is not mine and I clearly had this account investigated a year ago. I also am a XXXX and I live on campus, I did authorize the company to call my school for proof, I do not pay for any utilities and I do not have any utilities in my name, My college pays for all room and board with my financial aid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I borrowed {$92000.00} dollars for my XXXX degree from XXXX from XXXX XXXX, which is now Navient, from the Tuition answer loan program. I began XXXX school in XXXX and my loans were in deferment until XXXX. It was in XXXX I was informed that I could no longer defer my loans, because the deferment period had expired, even though each time I had talked to a XXXX/Navient Customer Service representative, they assured me that I could defer as long as I was in school. They did in XXXX began offering an alternative to deferment which was Forbearance. During forbearance, I would pay {$150.00} for three months of forbearance. This took nothing more than an agreement over the phone, no paperwork was ever signed. I was also assured that the {$150.00} would be applied to my loan, which it never was. I went through this process beginning in XXXX, up until the XXXX when the informed me no more forbearance could be applied. The loan balanced had ballooned to {$160000.00} when I checked it in XXXX. Close to {$70000.00} worth of interest had been added to it since I started the forbearance in XXXX. I have never been given an explanation other than, " We have done nothing wrong, '' when I have enquired to how this was possible. All that has ever been sent to me was a excel document showing my loan progression on a spreadsheet. But it does n't match what is on my online account. In this was fees that I was never told existed. I feel as if I have been cheated by the amount of interest that has been added to my loan, and will never be able to pay this back. It was n't until XXXX that I was offered income based repayment. I want Navient to be held accountable for the massive amount of interest removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with HEARTLAND PAYMENT SYSTEMS INC (VA).
Issue: Other fee

Complaint: ECSI, acquired by Heartland Payment Systems, tried to assess a surcharge that exceeds 4 % ( 4.05 % ) in their student loan payment portal through the Campus Partners website. There is a surcharge for both debit and credit cards, which as I understand it, is illegal. Since surcharge can not exceed their " merchant discount rate '', please publish their discount rate so that we are charged the lesser of the XXXX. I 'm certain that it does not exceed the {$40.00} fee they tried to assess for my one time card payment of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX, I applied for loan modification with DiTech I supplied all documents and had that confirmed by 2 Dutech employees on XX/XX/XXXX and on XX/XX/XXXX.

XX/XX/XXXX. I received a letter from DiTech stating that my modification had been canceled due to an incomplete application.

This is the third time that this is happening.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Equifax about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXX is reducing my credit because of these additional inquiries. I 've talked with Equifax twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either. 

XXXX and XXXX were contacted because of the same issue and all 3 still report similar information in error. 

I make a six figure income, have well over XXXX credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit .... 


What can I do about this legally? Can CFPB help me?

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (VA).
Issue: Credit decision / Underwriting

Complaint: I sold my house ( XXXX XXXX XXXX XXXX, XXXX, NC ) and closed on XX/XX/2016. I wrote a letter dated XX/XX/2016 ( see attached ) to M & T Bank, the mortgage company, requesting the " Recorded Release of lien for the property/Recorded Certificate of Satisfaction from XXXX County NC Register of Deeds ( See attached ). Have not received the original note either.To no avail.

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 01/23/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Settlement process and costs

Complaint: I bought a home from GMAC it was a foreclosure property, IT WAS NEVER DISCLOSED that the property had mineral rights, its almost impossible to get a chain of rights. The bank has that information because they mortgaged it originally with the rights, at the sale and on the deed they made an exception to oil and gas. Since it was never disclosed that their was mineral rights I did not object. If I was informed of the fact I would have paid more or not purchased the property. NON DISCLOSURE FORM MATERIAL GAIN. I am a senior and feel very taken advantage of!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit card or prepaid card (General-purpose prepaid card) with BB&T CORPORATION (TX).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: A formal complaint against BBT Bank XXXX Account for unauthorized hold last month they withheld a non transaction that was cancelled. For more than 22 days even when XXXX XXXX had provided a code to cancel and a receipt was provided. Next, today I use the XXXX XXXX upon check out the {$15.00} incidentally is returned to the account usually the second day. I went to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and the BBT granted their refund for {$100.00} on XXXX/XXXX/XXXX but did n't refund my incidentally fee {$15.00} and they told me after 30 days then a released. BBT Bank practice unfair act toward consumer they hurried up and paid the merchant but did n't take the lift off my account. Who would want wait until they feel like release withholding a misuse there banking privilege against consumer. I would nt recommend this company anymore they have XXXX a cheap call center a $ XXXX to offered poor service to there own customer. Who keep there branch open very little customer maybe they will go out of business and bankruptcy. A horrible XXXX XXXX Account center a unfair practice 30 days to release a XXXX refund is ridiculous.

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 03/28/2017 about Debt collection (Credit card) with Zakheim Law Group, P.A. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted zakheim law group concerning a Judgement that was placed on my credit profile. Upon doing so, I requested the letter informing of a lawsuit, Service letter, Date of first delinquency, the debt collector l number and bond number. They have very limited information and XXXX who was the person assisting me was very limited on information and was not willing to disclosed certain information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Consumer Loan (Installment loan) with loanDepot.com, LLC (MT).
Issue: Taking out the loan or lease

Complaint: Clear violation of Equal Credit Opportunity Act, reasons for denial were nonsensical, untrue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent a report to this credit bureau over a month ago to resolve the credit report from inaccuracies being reported on my credit report and the last letter i received from XXXX, EQUIFAX, XXXX have not resolve the issue from the previous XXXX investigation the XXXX report has not been removed for inaccuracies. The lender that allegedly gave me a lawful loan for the automobile had no consideration for a contract to be enforceable and valid or full discourse of meeting of the mind. Therefore the investigation is not completed as satisfactory. This is the final notice before i sue for willful violations of the Fair Credit Reporting Act that remain on my credit report are in of XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent my XX/XX/<YYYY> monthly mortgage payment to BofA ( my lender & loan servicer ), loan # XXXX, # XXXX check for {$690.00}. I did not receive a XXXX statement in the mail form BofA, so I wrote the loan number on my check, & stapled a note stating to apply my payment to my # XXXX loan. BofA cashed my check on XXXX/XXXX/15. On XXXX/XXXX/15, I received a delinquent notice in the mail stating I did not pay my XXXX mortgage payment. On XXXX/XXXX/15, I called BofA, was put on hold for 20 minutes, then routed to collections. After talking to XXXX XXXX XXXX foranother 25 minuted, he stated my check was applied to another loan. XXXX XXXX said BofA would fix their mistake & waive imposed charges. I have called BofA serveral times trying to resolve their incompetent mistake, they refuse to fix it. As of today XXXX/XXXX/15, I have received XXXX delinquent notices, threatening they will call my loan due, threatening a foreclosure on my VA XXXX Veterans Administration XXXX loan, threatening reporting the delinquency to the XXXX-credit bureaus, threatening to report to the Veterans Administration loan delinquency. In addition, BofA is sending me delinquent threat letters to my email, calling my cell phone & home phone every other day, & sending me certified letters. Please provide assistence to stop BofA from performing illegal, unprofessional, unethical, & fradulent banking business tactics. I paid my XXXX mortgage payment in full for XXXX, BofA took my money & is threatening & harassing me by phone, email, & XXXX mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief