milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was denied a car loan on the basis of a credit score from XXXX XXXX. My XXXX score is in the XXXX 's. Not perfect, I am aware. However my XXXX score was XXXX. Their reasons were the age of my credit, and the balances, basically saying my credit was n't new enough. Considering I have n't heard of this credit reporting agency until after my loan was denied it seems highly unlikely that the problem is on my end. The 3 major bureaus I know of XXXX, XXXX and XXXX have my credit score somewhere in the mid to low XXXX 's. The whole purpose of me trying to get a car loan was to improve my credit score in order to qualify for an FHA loan. With this score way down in the XXXX 's it appears I 'll never have the opportunity to become a home owner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On my credit report it shows that Cavalry Portfolio Svcs is a collection agency/attorney that purchased the credit card I had with XXXX XXXX XXXX. They state on the credit report that I made a payment on XX/XX/2014. I did not make a payment on XX/XX/2014. I believe they made the payment so that they could " reset '' the clock on this. I was behind in my mortgage and barely had enough to pay my current living expenses I most certainly would not have made a payment on a card that I would not be able to use. I want proof that I paid that. I know that I did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (NH).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage with loan depot. I went ahead and filled out the necessary paperwork to apply for the loan. I made a specific request that I wanted a 30 year fixed loan. I gave him my credit card number for the appraisal fee. I noticed a 15 year arm loan on the application. I was upset and asked him about it. He said that I could get a better rate if I shorten the term and did n't lock on a rate. I told him I was very upset because he did n't do what I wanted and that I wanted to cancel the loan. His manager called me and apologized and tried to change my mind. I said, " no '' and that I wanted my appraisal money back. The manager said he would refund the appraisal money and apologized. That was in XXXX 2016, I have n't received my money back or received a response from the email I sent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The  Wells Fargo Bank re peatedly place s 7 to 15  day hold when checks are deposited in the savings account by me or others. I believe in this day and age such lengthy hold only serve the purpose of the bank and are not warranted at all times.

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 05/21/2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My Husband and I have she 'll point mortgage as our lender ... we were switched over from XXXX XXXX..they have XXXX our loan so many times and stated we were behind on our loan ... you can never talk to a live person you leave a message and they will call you back within 48 hrs ... ... so un professionally

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am a member of XXXX. I noticed that my Equifax credit score dropped XXXX points in the last week. This did n't make sense to me since I just paid substantially on XXXX credit cards lowering my credit utilization from XXXX % to XXXX %. When I contacted Equifax to tell them they miscalculated my score they refused to give me any information or look over the score for an error.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My account at Fed Loan Servicing was setup with " paid ahead status '' and 9 of my payments were n't counted towards Public Service Loan Forgiveness. It took a Fed Loan Servicing Borrower Experience Advocate to escalate my case to a PHEAA Consumer Advocate to get things resolved. He eventually got the ok from FSA/Department of Education to have me pay {$190.00} to have the 9 payments come into compliance and count towards the 120 needed for PSLF. Connecticut Senator 's office was also  involved. I was surprised to learn that Dept of Education 's Ombudsman was subcontracted to XXXX, XXXX in Kentucky. Three CFPB cases were opened on this matter : XXXX, XXXX, XXXX. Thanks to XXXX XXXX at Fed Loan Servicing, XXXX XXXX at PHEAA, XXXX XXXX at Senator XXXX 's office for their help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: I opened an account on XX/XX/2017 for a bonus {$400.00} promotion they advertised. I opened this account over the phone and funded the account with my visa card the same day with {$1000.00}. I received the debit card several days later. When I called to activate, I was informed the account had been closed the same day and that I would get a refund of the opening deposit as well a letter explaining the closure. I called on XX/XX/2017 to inquire ron the status of my {$1000.00} deposit. I was informed by XXXX that there was no posting of the opening deposit and that no refund would be issued.

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 11/15/2017 about Debt collection (Other debt) with Omega RMS, LLC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Omega RMS is reporting and attempting to collect on a debt that I absolutely do not owe. It is for XXXX  XXXX XXXX whom I signed up with to help me find a quality person to date. The first person they connected me with is a stalker and still stalking me today! I have a protective order against him and they obviously did n't check his back ground. They put my life at risk! I was told they would adjust the bill. If they do not adjust the bill then I will take legal action as I have already consulted with my attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Creditor will not accept my payment. For a 5th time. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My grandmother passed in XXXX, left property to family. I was listed on said property and when I tried to take over payments I was told I was unauthorized. I sent in numerous doucuments that they asked for, I was still denied access to this account until XXXX, XXXX. At this time the property was placed in forclousure. We went to court, the Judge ordered citifinanical to work with me to resolve the issue. They did not. I am working with XXXX and I know what they have done is illegal. please help me. They have taken my property and are trying to evict me using the same documents that should have allowed me access to the loan to enable me to pay the debt. when i sent in payment of any form it was denied,

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Bank of america home loan servicing assigned a XXXX balanced loan to XXXX. 

After transfer, to date XXXX claims more than {$110000.00} is due.

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 02/24/2018 about Debt collection (Other debt) with Bull City Financial Solutions, Inc (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: that account was not opened by me. opened XX/XX/13. says I owe {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This letter is being sent to you in response to the above reference account that Enhanced Recovery Company has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Enhanced Recovery Company for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 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: Public record information inaccurate

Complaint: My husband and I filed for bankruptcy in XXXX. We filed in XXXX of XXXX and it was discharged in XXXX of XXXX. Our home was included in this filing however, we still own and live in the home. Our lien holder XXXX, is reporting on our credit report as the first reporting date was XXXX and not in XXXX. When questioned, they sent a letter which I will attach. I do not want this liability removed, I want it updated with the correct reporting date of XXXX and not XXXX. By XXXX not reporting this accurately, it is unjust and illegal. This is in direct violation of the Fair Credit Reporting Act. I would like this updated immediately. I have also attached our bankruptcy discharge paperwork.

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 10-05-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: GMAC hired XXXX XXXX to repossess a vehicle that my ex girlfriend, also on the loan, took when we parted ways. XXXX XXXX ( Case # XXXX assigned to XXXX XXXX XXXX ) sent a truck to my door at XXXX on XXXX/XXXX/XXXX. The representative for XXXX XXXX told me he was trying to locate the XXXX XXXX. I explained to him that my ex-girlfriend had the car and that I believed her to be living in Mississippi. The XXXX XXXX representative then told me that I will be charged with a 3rd degree Felony. He gave me his business card and left. He was driving a tow truck. I do not believe it is legal for him to threaten me with a felony.

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 12/17/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient is calling my present and former place of work in regards to m debt. When i asked the representative what was discussed with my former and present employer she would n't go in to details about it just that they are verifying information. However, that is not the case. She threatened to hang up on me. Navient is calling obsessively 5 or more times a day. It 's harassment!! 



Navient representative below ( called occurred XX/XX/XXXX, at or around XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problems caused by my funds being low

Complaint: I have been a customer at Bank of America for many years, since I was in high school, through college, now, and as I prepare to become a student again. I am constantly in a branch working with staff whose most common response is that they are unable to assist me due to restrictions placed upon them, or it has to be submitted for review. I 'm in the branch trying to find effective ways to use my account without constantly paying fees. Yet I encounter fees for going to the branch too much, for over drafting, for transferring funds if my account does overdraft. I 've overdrafted for less than XXXX dollars and am yet unable to bring my account current because the bank says they are unable to return {$70.00} in fees. In less than 6 months i have been charged more than {$600.00} in fees, almost equivalent to XXXX paycheck, this has a significant impact on my financial well being.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: As I already complaint about previously Experian assigned a special representative   XXXX   XXXX   XXXX    XXXX  most of the time he 's not available, since I have complained to the CFPB they became even more difficult, today as a revenge, they stop 'd talking to me over the phone, telling me I have different rules then everybody else, and I an only write in for any requests, discriminating against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I received notice from my credit protection service that an unknown person applied for auto loan credit in my name XXXX/XXXX/2015 at XXXX places North Carolina. I called these lenders ( XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ), and they XXXX assured me that they had no record of anyone using my name or SSN, and showed no record of these inquiries. I immediately initiated a dispute with Equifax and placed a fraud alert on my credit bureaus. Less than 24 hours later I got an email from Equifax saying that my dispute was resolved and that these inquiries were legitimate and factual. The email gave me no way to speak to a person further about this investigation. I live in XXXX CT. I did not apply for auto credit in North Carolina, and I can not understand how Equifax can determine that these inquiries are factual when XXXX lenders in North Carolina have advised me that they are not. I want Equifax to delete these inquiries from by credit bureau as their existence damages my creditworthiness. I have attached the results of the Equifax investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: 1. 
My bank shows payments made to, and deductions made by my mortgage company totaling {$24000.00} paid from my bank account in the year of XXXX. My mortgage company ( Ditech LLC ) only shows a total of {$22000.00} applied to my mortgage account. ( a difference of {$1900.00} unaccounted for on their side ). 

2. 
My first statement dated XXXX/XXXX/XXXX shows amount of interest paid year-to-date {$0.00} ( which is accurate, being that no payments have been received as of that date. ) My statement dated XXXX/XXXX/XXXX show interest paid year-to date as {$7800.00}. 
My statement dated XXXX/XXXX/XXXX shows interest paid last month ( XXXX ) {$1100.00}. 
The math : {$7800.00} + {$1100.00} = {$8900.00} paid for the period XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. Total paid for the year XXXX in interest was {$8900.00}. 
My XXXX XXXX Mortgage Interest Statement shows a total amount paid during the tax year XXXX as {$7200.00}. 
Why so many differences in amounts?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED  XXXX   XXXX  SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  XXXX   XXXX  TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

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 10/30/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received my XXXX 2017 credit card statement from Synchrony and on that statement I am being charged interest. Instead of following my instructions of paying {$70.00} on the promotion charge and the rest on my other auto charges they are reducing the full amount of my payment toward only the promotion amount and not deducting from my other expenses as instructed causing me to incur interest charges.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX TD Auto Finance XX/XX/XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX XXXX : XX/XX/XXXX - XXXX XXXX  XXXX XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX   XXXX  : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX However, XXXX sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.

Company response to consumer: Closed with explanation