milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2017 about Credit card () with PENTAGON FEDERAL CREDIT UNION (NY).
Issue: Transaction issue

Complaint: On XXXX previous occasions such as this, XXXX XXXX has configured software logic into their banking system designed to force me into penalties and interest charges on a 0 % credit card offer by not allowing me to make a transfer or even pay my balance due. After many conversations over the phone I am told that a checking account balance must be resolved before this account may be brought current. These XXXX have nothing to do with XXXX another and should be considered fraudulent behavior by the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Payday loan) with High Point Asset Inc (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: HighPoint Asset. Keeps calling me for a payday loan that I never took out. Says they will take me to court or a warrant has been issued for my arrest. I asked for the request in writing and never received it. They just wanted money. I ignore them and block the phone number but they change number every few days.

Company response to consumer: Untimely response
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I just received an updated copy of my transunion credit report. They have an account that I have been disputing " XXXX XXXX XXXX XXXX " it is showing as an adverse account and is reporting as " account included in bankruptcy '' I NEVER filed for bankruptcy this information is completely wrong. I am submitting this complaint about transunion because I have been asking them to please correct this wrong false information and remove it off my report. I 'm getting nowhere. Bankruptcy should not be reporting when I never filed for chapter XXXX nor chapter 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 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Two problems : 1. My application for forgiveness of student loan was declined by Navient after I was told it would be accepted. The excuse given was that because one of my student loans was too old for the program, all of my consolidated student loans would not be forgiven. 
2. I was charged excessive fees by navient when I thought I had set my account for auto repair and their website did not work correctly. It was confusing, and I thought it was set up correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I bought a house in XXXX 2017. Within 3 months I started shopping for a refinance mortgage company to re finance my home. form XXXX to present date I have contacted at least 17 mortgage companies with no success in refinancing m home. Each time I contact a mortgage company all 3 credit bureaus are list them as hard hit. Another inquiry is added to my already my already spiraling downward credit report. I was made aware of the info that CFPB has relating to Mortgage Bureau 's protocol within the Credit Bureaus Reporting practices on Mortgage inquires. The article says and i quote " You can shop around and get multiple preapprovals and official loan estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45 day window is over. Shopping around is still worth it. The impact of an addtional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. ''

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 02-10-2016 about Debt collection (I do not know) with National Processing Group LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX/XXXX/16, I received a phone call on my personal cell from XXXX XXXX with National Processing in regards to a checking a credit reference for a gentleman named XXXX XXXX I did n't know personally. I indicated that I was not sure who she was talking about and I was not vouching for someone I did n't know or had given permission to use me as a reference. I indicated to XXXX XXXX that me being listed as his reference could be a mistake because my son, who shares the same first and last name with me, did have a friend who I vaguely remember under a similar name but I was n't sure. How he got my cell number is unknown to me. But she acted as if I was blowing her off and told me in a nasty voice that I should n't let people list me as a reference then! I asked her not to call me again regarding this again and hung up. Today on XX/XX/2016 at XXXX, XXXX XXXX calls me back on my cell and leaves a message for me to return her call by XXXX today regarding a check case with XXXX XXXX XXXX or the case would be turned over to the XXXX County DA and I would be deposed for a deposition regarding his case. So I immediately called back and opened the conversation by stating my name and I was returning her call and gave her the case number upon request which she left on the message. She then asked if this was me and I indicated that I just told you my name at the top of the conversation so why are you asking again? She responded angrily that I was getting smart with her and did not have to deal with me. I called back and she hung up on me. I called back and another lady answered and I asked her to nicely tell XXXX XXXX that I am not associated with XXXX XXXX and to please not call me and that I would be filing a complaint. She said she would. My complaint is that the company 's tactics are unethical and unruly to contact me and falsely make me think that they were initially checking a credit reference and yet they are really a collection agency. I have clearly asked this company to stop calling and harassing me over this man 's account and yet they still persist in doing so. I want this harassing action to cease and take whatever action against this company that the law allows. Thank you!

Company response to consumer: Untimely response
Consumer complaint received 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Enova International, Inc. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I got a call from XXXX and they said they collecting for XXXX okay. I first set up payments paying XXXX that day with my debit card. That night my husband and I talked about it and pulled money from savings and I called back the next day and paid off the balance. So the full balance was paid XX/XX/XXXX. I have them both on my statements. So they say - we will send you a letter blah blah. Well we are in the middle of moving since my husband was separating from the XXXX, and to be honest kinda forgot about the letter. Fast forward 3 months and we are trying to buy a house. My lender pulls our credit report low and behold- a new collection account popped was reported XX/XX/XXXX- and blows our credit score way down. I was furious we had an offer on the house and waiting to close. I called XXXX, and ask why was this reported XX/XX/XXXX when we paid it in XXXX!! All they said was sorry we will updated the balance to {$XXXX}! No I said I need it removed. She said sorry we do n't do deletes here. You just cost me my house! and they refuse to remove it even when I paid it 3 months ago!! How can they report it AFTER it was paid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan with Ditech was paid off on XX/XX/2016. At that time, Ditech was notified by the lender that I refinanced with that we had paid our annual property taxes and the loan was paid in full per the loan balance payoff statement provided by Ditech. I had paid the property taxes in full XX/XX/XXXX. I receive a short pay notice from Ditech for {$2600.00} dated XX/XX/2016. The short pay resulted because Ditech had also paid the property taxes. The letter from Ditech indicated that I would need to pay them an unreasonable interest rate of XXXX per day on {$2600.00} shortage. I IMMEDIATELY paid the {$2600.00} via wire transfer by my Title Insurance Company, to keep them from charging me such a corrupt, and criminal interest rate. Since my loan balance was paid, and the {$2600.00} was paid immediately, and Ditech received a refund on the property tax that they overpaid, they have owed me {$6000.00} since XX/XX/2016. Each time I call, the length of time it will take to receive my money gets longer and longer and longer. My local Sheriff 's office confirmed that they returned the overpayment to Ditech on XX/XX/2016. It is now nearly three months later and I have not received the {$6000.00} that Ditech owes me. The loan is closed, and paid in full. Ditech is holding my money, after paying a property tax bill that they were told not to pay. From the beginning, they have managed my escrow account in a very suspicious manner. Over collecting in the beginning, then sending a huge refund ( Approximately that same amount that I complained had been over collected ... nearly {$5000.00} ) after holding the overage for more than 6 months, then showing a shortage and increasing the monthly payment substantially. The individual is demanded to pay interest of nearly {$48.00} dollars a day on a {$2600.00} amount that resulted from their error, while the lender can keep {$6000.00} of my money for three months and do nothing to assist me with a more prompt and reasonable return of my money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is a complaint from XXXX XXXX against National Credit Systems for National Credit 's failure to provide requested information for the debt alleged. National Credit Systems has been reporting two open accounts on consumers credit report that client does not recognize. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d.  Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. On XX/XX/XXXX, National Credit Systems responded providing only original statements with no verification that they own the debt or that it was transferred to them. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (NC).
Issue: Settlement process and costs

Complaint: The Loan held with PHH/Century 21 Mortgage was paid and satisfied XX/XX/2016. This lien has still not been released of record and is still showing negative reporting on the homeowners credit report. Please demand this lender compliance. It is a Lender 's Fiduciary Responsibility to Release of Record at the Register of Deeds. This homeowner is a XXXX Veteran. 

PHH/CENTURY 21 LOAN # # # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have submitted multiple requestes written requests and even spoke with an Representative named XXXX at Experian regarding having the following inquiries removed because I didnt not authorize them and have been unsuccessful in doing so. 

XXXX. 
XXXX XXXX Dated : XXXX XXXX, XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX 2. 
XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 3. 
XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 4. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX 5. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 6. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 7. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX 8. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I paid XXXX XXXX XXXX XXXX ( XXXX ) approximately {$70.00} for a charged off checking account I discovered. In XX/XX/XXXX, I discovered that XXXX had falsely reporting the account as " LATE '' every month although it was paid in XX/XX/XXXX. I called XXXX in XX/XX/XXXX to ask them to fix the error. I was directed to file a dispute with the credit bureaus. So I filed a dispute with all three credit bureaus in XX/XX/XXXX. In XX/XX/XXXX once the dispute was completed the false reporting was still present. I called XXXX again today. I was told the reporting is accurate by XXXX a XXXX collections employee, which led me to seek further assistance from CFPB. There are almost 50 false reports of a late payment on my credit report for a {$70.00} charge off that I paid in full years ago. This is hurting my credit immensely. XXXX should be held responsible for not resolving my credit dispute within 30 days, if not for the years of false reports.

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 01/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am with Navient. They kept putting me in forbearance, when I finally got an income based plan, they would n't let me renew and would come back with all these fees. When I tried to make extra payments to pay down the balance, they took the money as fees. When I fell behind they told me that they would waive the fees if I sent in {$500.00}. They put it in writing. I sent in the money, they took it and kept it. Told me what they would n't waive the fees and ignored the letter they sent. I uploaded the letter to their website, then called, they said they did n't get it. I told her I was looking at it on their website, on the tab market, loan documents, she told me that they do n't have it. I mailed it in, finally they told me they wo n't waive the fees they just told me that to get the cash, which they put towards FEES not my balance. 
No matter how much I send them, it never reduces the loans a dime, there is always some fee out there that takes it. 
Just non stop lies. I pay and pay and the balance keeps rising. When I call they say I am current, when I look on line it says I am behind. When I call back, they tell me to ignore it, its just fees. I can never get a straight answer over how much I owe or what my payment really is. It has been a never ending nightmare. I feel like I am going to die owing these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 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: FRAUDULENT INQUIRIES 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXXXX/XX/XXXX 5. XXXX XXXX XXXX 6XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXGET THE CREDIT BUREAUS TO ATTACH MY POLICE REPORT TO THESE FRAUDULENT INQUIRIES ... THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are terrible mistakes in my report, these accounts do not relate to any transaction that I have made :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 explanation
Consumer complaint received 05/17/2016 about Debt collection (Mortgage) with BWW Law Group, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: when original note are challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator XXXX, XXXX XXXX bank of new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer indecomme XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have disputed incorrect address on my credit report ; XXXX XXXX XXXX, XXXX, TN. I am requesting that Experian provide he source of who is reporting this information on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is a complaint against Equifax XXXX XXXX and Depart of Security Frezz The reason of this complaint is because I have a very serious problem with this credit agency because of the improper use of my credit profile and membership, they do what they want with my credit profile without my permission or authorization. They put fraud alerts, they freeze it when even they ca n't remove the freeze that they put on the freeze when I gave them the pin that they gave me through mail. They have my credit so badly managed that its impossible for me to obtain my profile utilized and my credit score. Its so badly managed that the blockage has been so negative that even the positive accounts that are under my name and social security Equifax does n't let them report them. I have proof of letters from all the banks that I have accounts in so they can report those accounts in Equifax because they are good accounts and make my credit good and better. Also I have two months calling all week to solve this problem because only with Equifax , I do n't have any problem with XXXX or XXXX, these companies report correctly but Equifax does n't. I have reached a conclusion that I have n't been only victim of identity theft but also a game of the personnel that work with Equifax. This complaint I would want the team of executives to see and do a review because this problem has become a game a joke towards me. Every time I call they are only going to do a ticket and every ticket they do n't solve anything. Also where are the positive accounts like XXXX XXXX ( credit limit XXXX ), XXXX XXXX ( credit limit XXXX ), XXXX XXXX Credit Business ( credit limit XXXX ). Where are these accounts that were opened in between XX/XX/XXXX and XX/XX/2015 and I know because I have the letter in proof that these banks have sent in the reports, the only problem is Equifax because they do n't want to report these accounts. I am sure that XXXX that if these accounts were negative Equifax would be the first to report them, because they are here only report the negative not ever the positive. This agency is here only to damage the profile of me and I am sure many other people. They have a horrible system and a personnel that is badly trained and horrible as well and they do n't solve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I am unable to open a checking or savings account could you please provide me with the discrepancies so I can resolve this matter.

Company response to consumer: Closed with explanation