milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I did not live at XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX My name has never been XXXX XXXX XXXX XXXX is my middle name. 
I have not used XXXX 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
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: On XXXX, I tried to dispute an accidental extra inquiry by XXXX XXXX XXXX with Equifax. System timed out twice while I was typing in the submission form. They have a published number online to file a dispute by phone, but when you call it takes you to an automated system to order your credit report and score and nothing more. Can not reach a person. Can only call actual customer service by becoming a member. Can not submit the dispute to Equifax at all. The attached show the number to file a phone dispute that I called. 

I authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to make a hard pull on my credit for an auto loan. But they accidentally made two hard inquiries within two days of each other and hurt my credit by doing so. The first was made on XXXX XXXX and the second on XXXX XXXX. The second inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity thief..I have a police report to support my claim..there are inquiries on my report that are a result of identity thief..they are the following.. XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX  XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX  XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX  XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX..XXXX  XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried to do this but was told I was not eligible to dispute the information online and needed to mail my identity sensitive information to them but for security reasons they would not mail the information back to me. I am not comfortable with mailing my drivers license and social security card to them. This is keeping me from being qualified to purchase a home and is VERY time sensitive. Experian Credit Agency has my SS # incorrect in their records. I also tried calling them but was unsuccessful in getting to speak with a person

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, I contacted the Ocwen Consumer Ombudsman Department regarding the date of last payment for XXXX accounts XXXX and XXXX and requested full statements for these accounts. Ocwen sent me the requested information which reflected a last payment in XXXX, XXXX. I immediately forwarded these documents to the XXXX major CRA 's for deletion due to the 7 year statue of limitations ( XXXX, XXXX and XXXX ). The credit reporting agencies could not accept these due to these documents passed through a 3rd party ( me ) and the possibility of omission or alteration, which I can understand. I contacted Ocwen and made a request that they send the paper statements directly to XXXX, XXXX and XXXX ( under the advice of the CRA 's ). Ocwen stated that they communicate with the CRA 's only electronically. I stated to Ocwen that what they report electronically and the paper statements are different. Ocwen responded that they refuse to send paper statements to the CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Making/receiving payments, sending money

Complaint: On Sunday XXXX XXXX after XXXX XXXX, I wrote a check payable to XXXX XXXX in the amount of {$31.00}. The one was mailed to a PO Box at XXXX Florida. Drove to the Post Office near my home and mailed the envelope. On Monday XXXX XXXX at XXXX the check cleared my bank account in the fraudulent amount of {$820.00} payable to a person that I have no knowledge of. My original check was completely changed, to whom it was payable to and the amount. I became aware of the fraudulent activity on XXXX XXXX around XXXX XXXX as i was checking my online account. I immediately called SunTrust Bank and reported that my original check has been misused. The representative on the phone took all the information and provided me with a case number, advised that it was going to take between 7-10 business days. Later on that same morning I went to my local police department in XXXX XXXX Florida and reported the incident. The officer took my statement and provided me with a police report number. That evening i contacted again SunTrust to provide them with the Police report case number. I then asked how long before my money is returned. At this time the story changed to 120 days. On Wednesday XXXX XXXX I called the bank again, trying to get answers and a status on my case. I was then told that everything was still under investigation and they had no available information for me at this time. Till today XXXX XXXX i still have not heard anything back from the bank no e-mail or any kind of correspondence explaining the progress of my case and or any resolution, nothing at all. I currently feel as a victim of fraud not knowing what to do in order to receive back the money that was stolen from my account. The money I though it was in a safe place. I have been a customer of SunTrust for over 6-years now, I though the bank will protect me as consumer and a victim of fraud. It seems by the way they are handling the case, they are not wanting to take any kind of responsibilities, my money was given away in minutes to a thief but i now have to wait 120 days to get my money returned. Any kind of help with this matter will be appreciated.

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 01/29/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (MA).
Issue: Credit decision / Underwriting

Complaint: Citimortggae keeps losing letters of authorization .A permanent '' Letter of authorization '' onwas sent to me an I filled out it was sent back electronically and certified mail to XXXX XXXX and XXXX .This is a delay tactic.also CitiMortgage fails to answer my XXXX 2015 letter for answers on a solicitation they sent to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I cancelled my cable service with XXXX XXXX and followed their instructions to disconnect the service and return all the equipment. I verified with the clerk that took the equipment that there was nothing more that I had to do. A week later I received a letter from XXXX XXXX acknowledging the disconnect but that I had to return the equipment. I called and verified with the customer service representative that they show that I returned all equipment. One week later I receive a bill from XXXX XXXX for the next month 's service. I called again and was told that someone cancelled my disconnect order. I assured them that it was not me and that I no longer had their service in my home. I was told I would still have to pay the bill since I had access to the cable and I had not properly ordered the disconnection. I had the letter from XXXX XXXX acknowledging the disconnection effective XXXX/XXXX/XXXX and said I was not going to pay the bill. The agent then told me I still owed for the equipment. I gave her the receipt number for the equipment. I am then told by the agent that I still had to pay a fee because of early termination of a locked in rate! I asked for a signed contract showing that I had contracted for this supposed locked in rate, but never received anything. The next thing I get is a collection notice. I send the collection agency, my letter, the receipts and the letter from XXXX XXXX. I received a response back that no further action was required and I did not owe the money. This was early in XXXX. On XXXX XXXX, XXXX, I received another notice from a collection agency that I still owe the {$45.00} from XXXX! I called immediately and the agent told me that I had to pay this money. I explained that this was resolved in XXXX and told them to have XXXX XXXX research their records. I was told I had to send them the documentation from XXXX. I no longer have this documentation. I am sure that I shredded it earlier this year since it was resolved and I had no reason to believe that I would hear from them again. The agent told me that I still had to pay the money. I told her to go after legitimate debts and stop harassing me about this unjustified charge.

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 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On  XXXX / XXXX / XXXX , Discover called about a payment. During the conversation, I offered to pay the balance in full if Discover waived interest accrued on the card in calendar year  XXXX .     The first agent was not authorized to make this transaction, so they forwarded me to a second agent. The second agent offered to waive two months of interest. I declined, and requested escalation to an agent authorized to grant my request.     The third agent stated that the second agent " was unfamiliar with your account type '' and the figures the first and second agent gave me were incorrect. He stated that they were not authorized to waive two months of interest. I requested escalation.     The fourth agent said that Discover could not waive more than one month of interest. I reiterated my offer : waive interest accrued in  XXXX  and I would pay the balance in full. The fourth agent again stated that Discover could not grant my request. I stated that I would be filing a complaint with the CFPB because of the inconsistent responses between agents.     The fourth agent, after reviewing my account, agreed to waive the  XXXX  interest accrued on my account if I paid in full " tonight ''. I agreed.     The fourth agent transferred me back to the first agent to arrange for the payment. Discover told me that the payment would be debited from my checking account on  XX/XX/XXXX .     Discover did not debit my checking account on  XX/XX/XXXX , as they said they would do. Neither my  financial institution not my Discover online access has recorded the transaction as promised by Discover. Monies moved to the checking account to pay the Discover account in full are now sitting in a no interest bearing account, waiting for Discover to fulfill their commitment, while the Discover  account continues to accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage has received numerous completed loss mitigation applications from me requesting a short sale on my property since XXXX XXXX. I have made several complaints against them via this website with regards to their handling of this process and my account. All of their responses deny any wrongdoing and they outright lie about their actions. Nationstar has failed to send me the customer, the appropriate notices required by CFPB regulations regarding my loss mitigation application ; utilized unfair and deceptive communication and actions ; failed to timely decision my numerous loss mitigation requests ; and most recently is guilty of dual tracking. I received a letter dated XXXX XXXX, XXXX from XXXX XXXX, XXXX attorneys stating Nationstar has forwarded my account to them for foreclosure while at the same time they currently have a completed loss mitigation application they have not decisioned. On XXXX XXXX, XXXX the current negotiator advised my realtor through XXXX that a decison could be expected this week. Needless to say, that did n't happen. Additionally, I received a letter dated XXXX XXXX, XXXX from Nationstar stating they received my sales contract and requested yet another Hardship Affidavit and that the short sale request review will not even begin until this is received. In responsse to my last CFPB complaint, Nationstar provided a list of documents they needed to complete my application. They were submitted as requested by the date they requested. And now this. This whole process has been unbelivable and completely unnecessary simply because Nationstar is not following the law. 

I require the following : 1. Remove my account removed from foreclosure. 
2. I want the complete timeline of the communications between Nationstar and my realtor since the initial short sale request was made in XXXX XXXX. 
3. I want all notices that Nationstar claims to have sent me throughout this process including but not limited to Acknowledgement Letters, Incomplete Information Notices, approval and/or denial letters, delay notifications, etc. 
4. Provide a decision on the current request. They have all the documents they have requested ten times over.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Drop Mortgage, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Drop Mortgage has failed to provide a payment location and amount for a recent loan. This is on top of a disastrous loan process, coupled with shifting data and what can only be described as fraudulent practices at best. 

Their organization is among the most incompetent I have ever had the misfortune of working with. The front end loan folks do n't know what they need for underwriting compliance - even when you use a broker. Across the board everyone I spoke with claimed to be XXXX XXXX compliant. I pressed them for answers about what parts of XXXX they are compliant with, what did they do that was XXXX. They spew these terms without knowing any of the underlying requirements, deadlines, or documentation standards. 

When pressed they make up random answers about delays, new random pieces of paper they mysteriously need after the deadlines, and pick an accuse of the day. That is if you can get them to commit to a date to begin with, XXXX yeah right they sent me a " post consummation CD '' with a note stating " you do n't need to sign this we just wanted to let you know now that you have signed that everything changed BY more than {$30000.00}. I seriously had them tell me my docs would be ready in the morning for over 20 days, they even demanded me to cancel using XXXX because they were done ... only to not be done. 

Even after several layers of management, I was unable to find anyone that could give me a straight answer. In 20 plus years of buying / selling property I have never come across a more inept lending organization. 

Please for your own sake and that of your potential property do not use these clowns.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Information on my report do not belongs to me. Please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2017 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (DE).
Issue: Managing the loan or lease

Complaint: Hello! 
My daughter and I have a vehicle lease. I 'm co-signer. Her payment in XX/XX/2016 was over 30 days late. We do n't dispute that. We dispute the circumstances that led to it being 30 days late and her credit and mine being damaged because of this. I will add attachment for more specific details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Dear CPFB, I believe Navient illegally shorted me on tax returns, and raised my payments rates to my student loans in error/ no provable reason. I have never paid a penny in interest on anything but my student loans, my credit is outstanding, and I have never missed a payment. I have also made additional payments in the past on top of my regular payments. Due to their lack of correspondence and information provided to me despite my emails and calls, they have not given me any proof to or calculations of why they have charged me more and shorted my tax return. I am happy to speak more to explain in further detail and send more information to help file suit. 

I believe Navient should be investigated for fraudulent activity - especially their handling of customers who were with XXXX XXXX before accounts were handed off to Navient. Many customers like myself likely signed up for a 10 yr plan to payoff the loans. Significant correspondences from when my account was under XXXX XXXX has been lost under the transfer to Navient, and it is negligent that it has n't been preserved and unfair to the public because XXXX XXXX had locked out access to accounts online during the transition so there was no opportunity to save original data/documentation/correspondences from the user-end.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I was unable to pay the amount due for my loans I contacted the Student loan company Navient for help. They pushed me to file for forbearance. I was already struggling to make payments and just wanted my payments lowered. after a few years of putting my loand in forbearance I found out about a income driven payments through a friend. After doing research I contacted my loan department and told them I only wanted to apply for the Income driven payments. After telling me I would n't qualify and telling me that I should just reapply for Forbearance I told them no I was applying for income driven payments. I applied and it was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been denied for fraudulent charges on my Bank of America credit card. 
My wife and I share an account and have XXXX credit cards. During the month of XXXX, while we were both in XXXX, our home state, someone purchase XXXX things in XXXX. The charges are for {$2400.00} and {$240.00}. 
When I contacted Bank of America initially they refunded me and then in XXXX the charges were reversed and validated on my account. Upon speaking to them, I offered proof that my wife and I were in fact in XXXX and working during the whole month of XXXX. 
The only response I received was that it was possible for companies to charge for purchased goods weeks later.

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 09-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XXXX, 2016 XXXX inquiries were removed from my credit report and thereafter loved back on my file without written notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have been paying back my student loan for 5 years now. I got a warning on my credit monitoring account that my student loan balanced increased by XXXX dollars this month. I then went through and looked at my payment history. My original amount borrowed was {$36000.00}. In five years I 've paid a total of {$31000.00}. The life of this loan is until XX/XX/XXXX ( another 26 years ) at this rate. I will be paying {$150000.00} on a loan that is {$36000.00} borrowed. Which is absolutely insane. I 've called multiple time and Navient refuses to even review my loan or provide any reasoning to why my loan is in it 's current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for over a month (!!!! ). I received no email, letter, or phone call and instead had to discover it via social media ( even though they have all of my information ).

Company response to consumer: Closed with explanation