milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have previously submitted a certified letter on XXXX XXXX 2016 and XXXX XXXX 2016 which was received and signed for requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified as " account belongs to you " XXXX XXXX Account # XXXX account is still reporting information which is inaccurate. 
1. XXXX Displays no account information prior to XXXX, however this account states open since XXXX. payment history is incomplete. 

2. Report does not List any XXXX delinquencies however account states charge off. The reporting of this account is inaccurate and incomplete. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? 
Thank you

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 08-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I wanted to make payments but they said I did not qualify for a payment plan because my income was to low so they sent me papers for a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Trouble during payment process

Complaint: I refinanced my home in XX/XX/XXXX with same company ( Wells Fargo ) using the HARP Program but a year later they are telling me that my mortgage incurred a escrow shortage of over {$1800.00} which will add {$200.00} to my {$1600.00} payments. I am now paying more than I did before I refinanced. I was given an overpayment escrow check of {$840.00} but I turned around and applied it to my refinanced loan because I knew it was n't free money. I 'm not certain in if it was misapplied or not. Also, my tax assessor stated that my taxes did not increase more than $ XXXX {$300.00} in XX/XX/XXXX. Another words, I did n't have a big tax increase. I 'm wondering if it was a mishap when they refinanced originally back in XX/XX/XXXX and did n't calculate the escrow properly in the 1st place. I called Wells Fargo for an explanation regarding the large escrow shortage because as long as I 've had a mortgage its never been this much. This is really causing me a hardship. I refinanced to save money and now its costing me more than the original mortgage payments. By the way, the person I spoke with at Wells Fargo said that they like to have at least {$1300.00} extra for escrow beyond what is actually due and that 's nice but its not affordable for 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 monetary relief
Consumer complaint received 06-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (LA).
Issue: Account opening, closing, or management

Complaint: Citi offered me XXXX XXXX XXXX miles for opening a Citigold checking account and fulfilling certain account requirements. I met those requirements and even got confirmation from a Citi representative through a chat session that I had met the requirements and would receive the bonus by XXXX XXXX. When I contacted Citi a few days ago, they told me that I am not eligible for the bonus.

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 09/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/XXXX 2017 a new collections was open to my name. I checked my credit score 2 days ago XX/XX/17 because my credit score had gone down tremendously. The collection appeared on my credit score on XX/XX/17. I was never notified in writing/phone call that I owed this to this phone company. If it was n't for me checking my credit score I would n't be aware of the collection. My phone company never told me I owed money to an old account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (VA mortgage) with LoanCare, LLC (MD).
Issue: Trouble during payment process

Complaint: I lost my house to a fire last year. My Insurance Company disbursed my check and it 's in a escrow account at my financial institution. I am having problems getting timely disbursements and this will cause me to be homeless in the near future when the lease on my rental property expires that is also being paid for by my insurance company, XXXX. My contractors are looking at my mortgage company with disgust, myself included. Ive had all the required paperwork filed for sometime yet I still have to jump hurdles to get any disbursements. This is causing major conflict in the progress of my home rebuild.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: Over the past 3 days I have input my information into the place a freeze and all but once they can not process the information, try later. Finally I got past that point and they recognized my record and stated need to pull more info up - and then popped up the message can not process the information, try later. Tried later, got to second screen and it is asking me to clear a freeze when their system has never allowed me to place a freeze. And if their system believes it has a freeze - I have not created any passcode or method to unfreeze it so I need help. Try calling for help and get stuck in auto voice XXXX - The credit service that caused us to have to do this can not get it done - got the other two done in 10 minutes total time - pushing 4 hours with Equifax. They should have manpower setup to help resolve these issues as I can see from the web that they are totally failing the consumer now.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: My sister was alerted via mail by Chase Bank that they were closing several of her accounts established during her childhood XX/XX/XXXX at what was then Bank One in XXXX. 

I have similar accounts and did not get such a letter. 

She immediately went to a Chase Bank branch in XXXX, Texas to get a cashier 's check to close her accounts. She then phoned me and encouraged me to do the same thing. 

That same day I went into a Chase Bank branch in XXXX XXXX, California to ask for the money in my account. The banker manager started the process and then said we needed to call a Chase Bank corporate phone line. 

The representative at the phone center said that because there was 'fraudulent activity ' on the account I could n't make a withdrawal. 

They then said a check was to be issued on XX/XX/XXXX that would be mailed to me for the balance in the account. 

To this day, now many weeks after going into the bank and being promised my money, I have not received a check and I do n't believe that it was ever issued. 

I am beyond upset about this treatment and need your help in getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We are in the process of negotiating a Short Sale for the sale of a property. This process has been going on since XX/XX/2016. There has been a huge lack of communication between the banks assigned relationship manager and myself as he does not notify when something is needed or return my phone calls. I have spoke with numerous supervisors and managers over the last 5 months and have made no progress whatsoever and the same relationship manager is assigned to the file. Over the last 5 months, we have submitted and re-submitted the bank requested bank statements several times as the bank took 3 months to realize that the bank account had transferred over to a new bank with a new account number, even though this has been explained to them on several occasions. We have attempted to escalate the file 4 times and still have made no progress. After confirming with a supervisor on several occasions that no other documents were needed, a new request was made for additional documents. However, no one reaches out to advise us of the additional document and some requests sat for almost weeks until a phone call was made by us to them. Now, they are requesting additional bank statements for over-draft accounts that are no longer in use. They have requested 3 BPO 's as the others keep expiring due to the lack of communication. A notice of default has now been sent to the homeowners and we are still nowhere near getting this Short Sale approved and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Transaction issue

Complaint: ON XXXX XXXX I ORDERED A NEW RADIATOR FROM XXXX. MY CUSTOMER IS IN THE MOTEL WAITING ON THE REPAIR OF HIS FREIGHTLINER TRUCK. THE PART SHOWED AND IT WAS WRONG. THE MANGER AT XXXX XXXX ASKED US TO TAKE IT TO A RADIATOR SHOP TO BE MADE TO WORK. THE PART WAS COMPLETELY WRONG COULD NOT BE MADE RIGHT. WE SHARED THE INFO WITH OUR CUSTOMER WHO IS NOW AFRAID OF BEING STUCK IN A MOTEL OVER XXXX. OUR CUSTOMER DECIDED TO RENT A CAR AND DRIVE TO XXXX, TX AND PICK UP A RADIATOR HIM SELF. CALLED XXXX AND TOLD THE MANGER THE DEAL. TOLD HIM I NEEDED TO SEND IT BACK. HE SAID HE WOULD GET BACK TO ME. I WAITED TILL AFTER XXXX AND TOOK IT UPON MYSELF TO SEND THE PRODUCT BACK. WHILE IT WAS ON THE TRUCK ANOTHER SHOWED. A REPLACEMENT FOR THE WRONG. CALLED THE MANAGER HE SAID I ORDERED IT. WHY WOULD I DO THAT WHEN THE CUSTOMER IS GETTING HIS OWN. HE OFFERED HE WILL GET BACK TO ME. SOMETIME GOES BY AND THE RADIATOR I SHIPPED BACK GOT REFUSED AND SENT BACK TO ME. NOW I HAVE XXXX RADIATORS A PRICE OF {$1200.00} EACH AND A ROUND TRIP FREIGHT BILL THAT IS ABOUT {$400.00}. SO I 'M IN THIS FOR {$2900.00}. CALL THE MANAGER TELL HIM THE DEAL. HE WILL GET BACK TO ME. I KEEP CALLING AT LEAST ONCE A DAY. I 'M TOLD HE WILL RETURN MY CALL. I FIND A EMAIL. I SENT A FEW THROUGH THAT. NO LUCK. SO I GO TO THE CREDIT CARD AND FILE A DISPUTE. SEVERAL WEEKS GO BY AND I GET A CALL FROM I GUESS THE OWNER. TELLING ME HOW I SHOULD HAVE HANDLED IT WITH MY CUSTOMER. HE ALSO ASKED IF HE COULD HAVE HIS XXXX RADIATORS BACK. I TOLD HIM SURE THEY ARE HIS NOT MINE. HE SENT THE FREIGHT COMPANY XXXX TO PICK-UP THE XXXX RADIATORS. THEY PUT ON THE SHIPPING LABELS AND LOADED THE TO RADIATORS. GLADE THAT THAT IS OVER. NOPE HE REVERSED THE CHARGES BACK TO ME. TOLD ME I NEEDED TO PAY THE FREIGHT FOR COMING INTO ME AND BACK TO HIM. THE PRODUCT I SENT BACK AND GOT REFUSED WAS FUNNY TO HIM. HE TOLD THE CREDIT CARD COMPANY THAT I WOULD N'T GIVE THEM BACK. SO IT STOPPED THEIR. THEY TOOK HIS WORD WITH OUT ANY PROOF. I 'VE TRIED GETTING WITH XXXX TO GET ANYTHING THAT SAID THEY WHERE PICK-UP. BUT THEY CA N'T HELP ME. I 'M NOT THE ONE THAT HIRED THEM TO SHIP. I 'M STUCK WITH NO WHERE TO GO. I HAVE GOT TO PROVE SOMETHING THAT I HAVE NO WAY OF DOING. WHILE THEY TAKE THE OTHER GUYS WORD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2017 about Debt collection (I do not know) with CCBA Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX has failed to validate a debt reporting to my credit report in the amount of XXXX. I sent out a validation request in XX/XX/XXXX and again in XX/XX/XXXX in writing by certified mail. As of today they 've failed to validate this debt.

Company response to consumer: Untimely response
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SOUTHERN AUTO FINANCE CO (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a loan with Ditech Financial. The investor of the loan is XXXX and the originator of the loan is XXXX. I submitted documents for review for a loan modification and my loan went into review in underwriting on XXXX XXXX, XXXX. The file was assigned to XXXX XXXX of Ditech at XXXX ext. XXXX. A pending foreclosure was postponed to XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Ditech underwent a system upgrade and advised me to call back on XXXX/XXXX/XXXX for a ststus update. I called back on XXXX/XXXX/XXXX and was advised to send in updated documents including XXXX tax returns, rental agreement, paycheck stubs and bank statements. I faxed all the documents to XXXX on XXXX/XXXX/XXXX. I checked back on XXXX/XXXX/XXXX and was told that the file was in underwriting and a decision would be made within 2-3 weeks but to call back every week. I called on XXXX/XXXX/XXXX and was told that there is no new update and the file is still in underwriting. I called again on XXXX/XXXX/XXXX and was told that the file was still being reviewed for a possible loan workout. I called on XXXX/XXXX/XXXX and found out that the house was sold for {$330000.00} back to the beneficiary XXXX. Ditech is in violation of the California Homeowner Bill of Rights prohibiting dual tracking of foreclosures whereby a homeowner is in active review of a loan workout with a single point of contact and underwriting review pursuant to Cal. Civil Code 2924.18. Ditech did n't give me any explanation as to why the property was foreclosed. The rep said that they received notification to move forward with the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Student loan co-signer paid off total loan amount of around {$39000.00} for a {$20000.00} initial loan. During the terms of the loan XXXX XXXX, now Navient did not submit loan statements and continue to accumulate interest. Loan no XXXX ( XXXX ) Navient has refused to submit close out papers on the total balance paid at the end of XXXX 2015 for XXXX XXXX XXXX. as a result they tried to start a new loan of which I have not authorized or approved. Now there is no access to the site to review the paid off balance for the total loan. In addition, Navient is trying to add interest of {$1.00} to extend the loan terms past some due date in order to state that the total terms of {$90000.00} is due. Therefore, not only has the original loan extended past the Federal Government Fair Trade Laws for Statue of Limitations of which I am due my {$39000.00} back, but they are refusing to close out the loan paid. This is consumer fraud, and violation of federal laws, and a form of violation of the XXXX statue for loan sharks. Please assist in closing out the account and repayment of my {$39000.00} for contract violations by Navient and XXXX XXXX. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2015 about Debt collection (Payday loan) with Zenith Financial Network Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have paid these people over {$3000.00} on a XXXX acount they say I still owe them {$1500.00} ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am XXXX old. this guy would not give me his name but he at XXXX XXXX. on XXXX/XXXX/2015

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 12-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ATG Credit, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I contracted XXXX services in my residence through XXXX XXXX back in XXXX. For installation services, they claim they sent me an invoice for XXXX {$49.00} by mail. I never received such invoice. I receive several bills by mail and never failed in promptly paying any bill I received. As a customer of XXXX, I requested, in at least XXXX occasion, support services from XXXX during the period I had XXXX in my apartment. Support services were provided normally and no debt was ever mentioned. If I was in debt with the company and they had that in their system, why is it that I requested a service and the service was rendered without ever mentioning any debt? 
Now, 6 months after I canceled XXXX services, and more than one year after the installatoion date in XXXX, an open collection account with XXXX is showing in my credit report. I chatted with a representative of the company and they told me the invoice was sent in XXXX ( the XXXX I never received ). XXXX has always had my address, e-mail address, phone number and, more importantly, a valid credit card on file. Why is it that they never sent me any communication, verbal or written, that I had an active debt of XXXX {$49.00} so I could pay for it. Why have they never charged my credit card they had on file for the XXXX {$49.00}. Why have n't they refused to offer me support service if I had an open debt with them? When I asked their customer service representative, the only answer I got is that an invoice was sent to me, once, in XXXX. And with that, they assumed I was a bad payer ( even knowing that I paid all XXXX monthly fees on time for the 7 months I had the service. This is absurd. 
They sent my debt for collection to ATG Credit. After chatting with XXXX 's customer service representative, I then immediately called ATG Credit and paid for the pending XXXX {$49.00}. I also queried ATG 's customer service representative about their having to notify me before hitting my credit file with an open collection account. They claim they also sent me a letter. I never got this either. I honestly doubt any letter was sent. Again, I would never ignore or fail paying any open debt I knew I had. I have virtually no debt. I carry no credit card balances ( I pay all balances monthly ) and have XXXX leases I pay religiously every month. 
After the collections account was sent to Equifax, my credit was hit by XXXX points because of that. This is not fair. I can not pay a debt I never knew I had. 
Now I am shopping for a home and was looking for alternatives to get a mortgage. These XXXX points can considerably increase the financial cost of a mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed a late payment from XXXX with XXXX XXXX XXXX XXXX on Experian. I provided documentation showing where the error was on their part. XXXX XXXX had agree to remove the late pay on their system based on this documentation. Experian did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Experian leave it on my file after the dispute?

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 04/28/2017 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 have been having an ongoing problem with   XXXX   for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at least five times, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back, Equifax and   XXXX   just follows  XXXX  and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by  XXXX , this has. Even going on for several years now.

Company response to consumer: Closed with explanation