milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I believe they have someone else info on my acct but there is no way you can TALK to anyone to discuss Their phone system runs you in a 1-2 loop with no other option for discovery of fact.

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 09/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: TransUnion has an incorrect name for me. The only name I have ever used or XXXX a XXXX and XXXX XXXX Equifax has a XXXX Florida address and I have never lived in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have successfully disputed with XXXX, but Equifax will not allow my dispute on their website. This judgement was entered incorrectly and erroneously by the creditor 's attorney and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: The issue is with CareCredit. Despite their own system showing discrepancies among my Account Balance of {$680.00} and my Promotional Account Balance of {$620.00}, which is a difference of only {$62.00} in late fees, the agent XXXX and his manager XXXX continued to insist that I owed them {$94.00} to bring my account current. When I asked why, they both said that they do n't calculate why I owed " that way. '' I replied, " then, there 's something wrong with you. '' I guess they do n't do it mathematically. I think their system had not updated yet, but they were not willing to update or correct, even for the sake of logic. 
So, in their website, there were discrepancies among my Current Balance, my Promotional Purchases Balance, and my monthly payment amount. Despite their admission that my initial balance was {$750.00}, and they had already credited my account for {$120.00} in payments from XXXX/XXXX/15 through XXXX/XXXX/15, putting my Promotional Purchase Balance as {$620.00}, and their admission that they had only charged me {$62.00} in late fees, making my Current Balance {$620.00} + {$62.00} = {$680.00} ; these customer service agents insisted that I owed them {$94.00}, instead of {$62.00} to bring my account current. They could not be bothered to correct their system, for the sake of logic!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with CHURCHILL MORTGAGE CORP (MI).
Issue: Application, originator, mortgage broker

Complaint: XXXX we submitted a loan application- they messed up on the application. we re submitted another application, after waiting 3 weeks we were notified they lost our application. we refiled another application another 40 days we have now been notified they are not putting the loan through. the advised us not to pay things have have finacially put us in a bind.This was through XXXX XXXX at Churchill mortgage in XXXX michiga

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX issues regarding my loan servicer, which markets itself as MyFedLoan : First, I have contacted MyFedLoan three times ( once by email on XX/XX/XXXX, once by email again on XX/XX/XXXX, and once by phone on XX/XX/XXXX ) and have found them consistently unresponsive. On XX/XX/XXXX, a {$50.00} payment was processed and divided between my PLUS loan distributed on XX/XX/XXXX, and my Stafford loan distributed on XX/XX/XXXX. However, I indicated, when I made the payment, that I wanted the entire {$50.00} payment applied to my PLUS loan. It is unacceptable that MyFedLoan first ignored my emails concerning this discrepancy and then assured me over the phone that the payment would be fixed while failing to do so. 

Second, I mailed a {$100.00} return of principal payment XX/XX/XXXX, and I have the canceled check indicating that it was cashed by the Dept. of Education on XX/XX/XXXX. However, this {$100.00} payment is not reflected on my PLUS loan distributed on XX/XX/XXXX, as it should. This should be dealt with immediately, as it is unacceptable that my payment would be cashed and withdrawn from my account but not credited against my loan.

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

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website,  and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (VA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I paid a company, XXXX XXXX, $ XXXX by debit card for a service they never provided. Wells Fargo allowed the them to keep my funds stating that: "you did not cancel the service as outlined in the terms and conditions signed by you."It turns out this company is a scam and criminal enterprise, the owner is being criminally charged for doing to others, what he did to me. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My home was sold to Foreclosure on XXXX/XXXX/2015. I hired an Attorney as i felt this was not done correctly by the bank or their Attorney XXXX XXXX XXXX. My Attorney was able to get the courts to rescind the sale date. Since XXXX 2015 i have submitted XXXX modification packages to GreenTree ; however, they will not review my loan for modification as they state their system still shows my home was foreclosed on. XXXX XXXX XXXX their Attorneys have not communicated with them the fact that the foreclosure sale was overturned. My Attorneys office has tried to explain to GreenTree and XXXX XXXX XXXX the issues, however, we are now in XXXX and GreenTree nor XXXX XXXX XXXX has made any effort to assist. Please help. I am trying to save my home. For further proof or evidence my case is under XXXX XXXX and the case number is XXXX. 
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 03/31/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I start making payments to XXXX XXXX on XXXX/XXXX/2012 to XXXX/XXXX/2015 on time for the amount of {$100.00} a month, and XXXX funding they said that already report all payments on time but is not in my credit report I want Experian credit bureau to credit my report pay as agreed for all payments I have made ontime to XXXX XXXX.This account was charge off by XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (I do not know) with CONTRACT CALLERS INC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX XXXX XXXX, has resold the same debt that I 've issued complaints to CFPB previously regarding. XXXX is not being represented by CCI Contract Callers, Inc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. XXXX funding, nor CCI has ever provided verification of originating debt. No signature cards have been provided and CCI, XXXX funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate XXXX Funding and CCI for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. XXXX funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. XXXX needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.

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 01/16/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Purchased my home with XXXX who later reassigned to XXXX XXXX XXXX who then reassigned to various subsidiaries then reassigned to Caliber Home Loans. XXXX had me apply for a loan mods from XXXX to XXXX. Received a loan mod that reduced the interest rate but increase the monthly note. Caliber took over in XXXX XXXX, filed a notice of default and proceeded to foreclose. I 've tried to do a loan modification, Caliber Reps stated my package was incomplete and they are not corresponding with me timely to avoid and comply with the loan modification process. I am trying to save my home!

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 EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX ( applied via XXXX XXXX XXXX store ). This account was opened on XX/XX/XXXX - and currently has a balance of {$700.00}. In XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I was charged XXXX by XXXX. I had canceled my membership well before the renewal period in XX/XX/XXXX. I went into Regions Bank on XX/XX/XXXX to dispute this transaction and provided them with the cancelation number as I had not received a refund back from XXXX. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled after the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized XXXX to charge my card and I revoked my authorization for them to renew my membership. I have tried to resolve this with XXXX and Regions and have not been able to. This charge is straight up fraud by 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 monetary relief
Consumer complaint received 11/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I constantly receive calls from the XXXX number, which I have identified as Navient through online searching. When I answer the call, no one seems to be on the other line. When I do n't pick up the phone, they leave a blank voicemail. I get calls from this number 6 times a day and at the most inconvenient times. My loans are current so they have no other reason to be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (AE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Actually NOT used obscene language but used pressure tactics, are unwilling to help/ resolve issue and also seemingly improper management of debts and PII - pers identity info ( SSN, addresses et c ). 
We incurred debts when I was injured on XXXX with US military in XX/XX/XXXX, was improperly discharged and did n't received any pay until XX/XX/XXXX. So we incurred debts, house was improperly foreclosed ( XXXX got us WHOLE 500 $! ). We settled/ paid off most debts, except for Wells Fargo debt, where WF transferred some funds owed on mortgage ( foreclosed ) to CC which is n't legal. Then debt was almost settled with XXXX XXXX, but when requested documentation it was quickly transferred to XXXX XXXX XXXX, under XXXX acct # XXXX. XXXX FAILED to prove debt ( and it 's height ), FAILED to communicate to resolve ( I sent email requesting documents/ investigation into XXXX improper behavior ). Since then dealing with XXXX DISASTER:1/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is n't really attempting to collect, settle or communicate - when calling ANY of their XXXX numbers ( such as XXXX or XXXX ) XXXX gets through, then message says it is recorded and when asking about use of non-recorded line is put on hold and then told " unrecorded line is n't available, call in 2 hours '' -- that is usually 30-45 min into " transfers/ holds ... '' All reps giving " odd names '' such as XXXX diff person stated to be XXXX XXXX ( all from XXXX XXXX call center ! ), or XXXX XXXX or XXXX XXXX, these are from XXXX. That also bring issue 2/ PII, addresses, DOB and all info passed from US XXXX XXXX XXXX who can effectively stole identity w/o any control/ oversight by US government/ agencies. 
I think that is ABSOLUTE disaster. 
On top, seems like XXXX XXXX XXXX is just RENOWN for this behavior w/o any action from our Government. Sincerely XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Account opening, closing, or management

Complaint: I had an old account with firth third bank back in XX/XX/XXXX. I paid the overdraft fee at the branch. to date this this information is still showing up in my check systems history. theyare reporting the account as inaccurate. ive given the documentation of payemetn ( XXXX ) separate times. It is still on my report as of today XXXX XXXX. Im extremely furious and I wont them to be geld accountable for this inaccuracy, and remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My name is  XXXX   XXXX . My wife and I was approved for a {$150000.00} FHA Mortgage  Loan from Quicken Loans. The Purchase Mortgage Banker name  is  XXXX   XXXX .  XXXX   XXXX  called me daily asking me have we found a house that we wanted to bid on. We exchanged numerous emails and phone conversations with  XXXX  giving me house hunting information. I have a copy of the Preapproval letter in my possesion as I 'm typing this complaint. The preapproval letter has an expiration date of  XXXX   XXXX ,   XXXX  . When my wife and I decided on a house that we wanted to purchase, I called  XXXX  like he told me to and he told me that he was going to adjust the preapproval letter to the purchase price of the house which was {$140000.00} and that he would contact me when he was finished so I could copy it from my email and give it to the Real Estate Agent.  XXXX  calls me  45 mi nutes later and tells me that the loan fell through, because of the yearly income. If that 's the case then I was lied to. I was told that this just happen. That 's   XXXX   XXXX   because he had many opportunities to say this to me in the beginning process. Can someone please call me at  XXXX . Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Bank account or service (Checking account) with BOEING EMPLOYEES CREDIT UNION (WA).
Issue: Deposits and withdrawals

Complaint: my bank the BECU decided to take my SSA treasury state check well it was n't a check it was wired funds external wired funds and I 'm mentally XXXX I go to compass health in Washington XXXX XXXX XXXX. I had a bank representative from this number and is on a recorded line because they record their phone conversations XXXX And they have a recorded phone call me talking to a representative from Boeing becu representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check funds from me. The representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check but the BECU bank in XXXX wa still proceeded to take the funds from my checking account from the ssa treasury and XXXX. so the bank BECU Boeing In XXXX wa took it from me illegally I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and do a claim to proceed to get my funds back that they took I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and doing the file when they should n't have considering someone from the banking of us bank from the number XXXX told me and guaranteed me on a recorded line phone conversation guaranteeing me and telling me that they the bank in XXXX Washington BECU Boeing that they can not touch that or take that funds for me out of my checking

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am disputing the findings of TransUnion Consumer Reporting Agency because it failed to properly and adequately investigate my claims in the dispute against XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead TransUnion Consumer Reporting Agency supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and E ). 
1. I am disputing the claim of XXXX against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, K, and M ). 
2. XXXX denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and K ). 
3. XXXX denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. TransUnion Consumer Reporting Agency did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX that its summary of statements were accurate, hence unfairly confirming the position of XXXX against me based on inaccurate accounting ( attachment G, H ). 
5. TransUnion Consumer Reporting Agency did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
XXXX. TransUnion Consumer Reporting Agency refused to respond to my request for the details of their investigation ( attachment N ). 

Therefore, my account ending XXXX with XXXX should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and E ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.

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 06/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I first received notice by mail about nonpayment on the account some 69 days when past due, I am a cosigner on the loan, I called navient to try and get some answers as to why they took so long to notify me of the account being late, I spoke to some person named XXXX, with no satisfaction, I then asked to speak to a supervisor, I was placed on hold for approximately four minutes and the telephone went dead, I tried three time to reconnect but I received a message I could not dial the number listed, I am not trying to avoid my responsibility just the fact that they did not notify earlier so I could take a more corrective action, as a result of their poor business practice, my credit score has dropped well below my average, my reasoning for this action is I would like to have that late payment removed my credit account

Company response to consumer: Closed with explanation