milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NH).
Issue: Loan modification,collection,foreclosure

Complaint: After falling on hard times I submitted an application in XXXX of 2014 for a HAMP mortgage modification to my mortgage holder, Nationstar Mortgage LLC. They lost my original application and I re submiited another XXXX in XXXX. The process has gone on now for XXXX a year consisting of Nationstar and my spoc XXXX XXXX consistantly losing track of just about every document that I have sent them. Each time documents were requested I send them multiple times via email and certified mail. All along the way when XXXX eventually received the requested documents he and Nationstar would then ask for yet more up to date documents. Eventually after close to a year and at great expense to me ( paying an accountant to put together documentation ) I was told my case was in underwriting finally late in XXXX. My original mortgage was aprox. {$2000.00} per month. My understanding was that the HAMP program would make my payments lower. It made sence to me since my income had dropped by more than 50 %. I was finally contacted via email by XXXX XXXX of Nationstar Mortgage that I was approved for a XXXX month trial period with payments of over {$3000.00} per month, more than 30 % HIGHER than my original payment. There was no way that we could afford this. I asked XXXX to look into this explaining that there must be some mistake. XXXX response was that it did not matter, I had to pay it anyway but I could send in a dispute. I explained that the reason we were applying for relief was for a " more affordable '' payment and not a larger payment. He did not care XXXX bit. I have still not received any response from XXXX or Nationstar in regards to my dispute. Instead however, I received a foreclosure notice in the mail. I have once again notified Nationstar of all of this via their internal messaging system and not yet herd from them at all. This has been going on now for over XXXX year now

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (RI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Macys card in   XXXX   XXXX     lists missed payment but I did not miss any. Account is closed and is also too old to be on file 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 01-06-2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX I sent in a complaint to the CFPB about Equifax fraudulent inquiries on my credit report. Equifax responded on XX/XX/XXXX stating they did n't receive any information from me and that I needed to contact the creditors. I responded on XX/XX/XXXX backing up my statement about the letters I 've sent to them. On XX/XX/XXXX all of the inquiries were deleted off of my credit report except one ( which is factual ). On XX/XX/XXXX all of the inquiries were reinserted back on my report with no warning or paperwork from Equifax which is against the FCRA law. I 've attached a copy of the paperwork below. 
Equifax also sent me a letter on XX/XX/XXXX Confirmation # XXXX with the results of an investigation that they conducted from the letter I sent to them about some unverified accounts. Equifax removed the negative accounts off of my credit report up until XX/XX/XXXX. I checked my credit report on XX/XX/XXXX and all of the negative accounts that were deleted has been reinserted which again is against the FCRA law. I 've attached all copies of the fraudulent occurrences below.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: No logical/reasonable reply from Ditech Financial in the last more than 20 weeks has forced me to approach you to get my grievance heard. The detail as follows - My mortgage loan was approved with XXXX XXXX and the first installment started from XXXX/XXXX/XXXX. Everything was going on smoothly till XXXX transferred my account to Ditech Financial in XX/XX/XXXX. In the letter regarding this transfer it was clearly mentioned that there will be no change in my Terms and Conditions with the change of Financial Institution. 

But, from the bill dated XXXX/XXXX/XXXX of Ditech, the payable Principal and Interest do not match. The same was reported to Ditech representative XXXX XXXX ( ID # XXXX ) on XXXX/XXXX/XXXX @ XXXX. She told me that the difference is there and she is referring my case to her manager and I will get a reply within 7 days. 

After getting no reply from Ditech, I filed my complaint online ( which is now removed by the Ditech from the website ). On XXXX/XXXX/XXXX, Ditech replied with some copies of reports explaining that principal and interest portion of the monthly payment is correct. In one of the report, they mentioned deduction under 'Prin Only ENC '. The same was the difference in the payable Principal and Interest amount every month. This amount was never deducted by XXXX ( previous loan provider ). I have prepared an excel sheet clearly showing the same. The same is attached for your perusal. 

Ditech breached the contract by charging this illegal amount every month. This illegal per month amount of around {$1.00} will become {$150.00} by the time I clear my loan. 

After that, every day I received one letter from Ditech informing me that 'Our research has not concluded. The purpose of this letter is to notify you of our ongoing investigation in an effort to provide you with a resolution '. 

On XXXX/XXXX/XXXX, XXXX XXXX, Ditech told me that she is not able to view those documents, so, I should call after 72 hours. 

On XXXX/XXXX/XXXX XXXX XXXX ( XXXX, FL ), Ditech told me that the dispute was closed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I filed my complaint again thru fax and received an acknowledgement dated XXXX/XXXX/XXXX mentioning that I will receive a written response with thirty ( 30 ) days. 

After getting no reply from Ditech, I sent a reminder message thru fax on XXXX/XXXX/XXXX and received an acknowledgement dated XXXX/XXXX/XXXX mentioning that I will receive a written response with thirty ( 30 ) days. 

Throughout this correspondence, Ditech never issued a complaint number which can be referred to in future correspondence. 

The deduction of any amount under 'Prin Only ENC ' is completely illegal. Ditech also failed to provide the full description of 'Prin Only ENC '. 

All the documents related to this complaint are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid the loan off XXXX on a car loan XXXX years ago ons it is still on my credit report I talked XXXX and they said it was up to the. Credit bureaus to take it of I want it off I paid the money to pay my loan off so discusted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: I opened the citigold bank account with citibank with promotional code promising a credit of XXXX American Advantage miles after meeting all the requirements. After inquired about the status I was denied the promotional credits because I was not targeted for this promotion. 
I have document showed that i have the promotional code attached to my account and I would like citibank to honor it.

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 05-02-2015 about Credit card () with U.S. BANCORP (IN).
Issue: Closing/Cancelling account

Complaint: I have made several attempts to resolve my debt with US Bank without success. The phone number that is listed XXXX is not is service and I can not get a good contact # to discuss my charged off account. I would like to discuss settling the debt and would like to have someone from US Bank contact me. 
My social is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My husband and I had a judgment made against us in XX/XX/XXXX. In early XX/XX/XXXX we made a settlement agreement with the collections company. We were able to pay off the account in full in XX/XX/XXXX. We both then received letters confirming our account was " Paid in Full. '' ( see attachments ) In XX/XX/XXXX, my XXXX account showed a new account open in collections for a new amount ( {$1000.00} ) as well as a drop in my credit score. I called the collections company listed and confirmed it was the same collections company representing the original company. They told me to call the original company about the issue. Shortly after the phone call to the collections agency, the reported open collections account disappeared from my credit report but my score was still lowered. In early XX/XX/XXXX the same thing happened. A new amount was listed under an open collections account ( {$1000.00} ) and my credit score dropped again. Same collections agency listed, same original company. It then disappeared again but my credit score remained lowered. This judgment was made in XX/XX/XXXX and we have had no further business with this company. It was settled and closed in XX/XX/XXXX. They have no reason or cause to continually be reporting open accounts on my credit report. I have not been notified in any way of having an account be at risk of being sent to collections. The account is currently still listed under collections and has an " open '' date of XX/XX/XXXX. It is also listed under public records as 'Filed ' but nothing indicating it as closed or paid in full. My husband has had no such issues with his credit report. It seems as if I am being targeted. This is greatly affecting my credit score as it lowers my credit score each time it happens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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: Between the months of XXXX, XXXX, and XXXX of 2017 an unverified account with XXXX XXXX for {$2600.00} was investigated and deleted from credit reports. The account has been reinserted on my credit report under XXXX XXXX XXXX for {$2600.00}. Once XXXX XXXX ( whom I have never had contact with or have a contract with ) received notice of my disputing this account with them, they sent me a letter concerning this previously deleted unverified account. Furthermore, I was not given the opportunity to contest this information before it being re-reported because I did not receive my five business day notice that this information was being re-reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: All these letters were sent out to creditors advising them to please remove on authorized hard inquiries from my credit report. I have not authorized anyone to place a hard inquiry on my credit report nor am I from money with either of these companies. I have n't heard any responses from anyone and it 's been well over two months since I sent those letters out. I would like for these unauthorized inquiries to be removed from my credit report as it is damaging and hurting my score

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I 'm wanting to refinance my home but to do so I was told I need to raise my credit score. The last week of XXXX I paid down my credit debt over {$6800.00}, more than what was advised. 
Have through 4 weekly updates and 1 monthly update with no change with the exception of one credit inquiry which immediately dropped my score 2 points.
Equifax is reporting bureau and I have tried contacting them with little success. I keep getting told that I need to look at my account to see when it 's scheduled to update. An as I mentioned already I 've been through several with no reflection of my updated credit information. Example I paid off one credit card completely and it still showed after over a month approximately {$5400.00} on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a reply to our complaint XXXX. They say we do not qualify for anything. Which I do n't understand. The state of Maine requires the mortgage co to allow us to have mediation first. They did not finish our mediation. There must be something they can do. At one point they locked us out of our home. It took them a week to go and take the lock off the door. We had to turn around after work and drive back to mass and stay with my father. No clothes nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been on the Income Based plan for years but my monthly bill continues to rise. I appreciate having the ability to pay less but if you get the slightest raise, they increase your payment! I do n't see how this type of plan will ever help someone like me pay the loans back and be able to live. I have a mortgage, monthly bills, health care, car notes, etc. They do n't seem to care that you have to live! I have tried multiple times to get my payments lower but despite my efforts, they require your taxes every year to make sure you do n't make more money. It is n't fair. The plan should at least allow a XXXX year guarantee of the payments you have before requesting to see your income again. That would be the only way you can ever get ahead! I have always paid and I intend to continue but we need a break and Navient needs to work with us to help make it easier to pay the loans back!

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband passed away 11 years ago, I took the death certificate into Chase Bank as soon as I received it. I have done this 6 times to date. I have asked Chase Bank to please give me the credit for the payment of this mortgage which I have made for 11 years and have paid them over {$330000.00} to date. They sent me a letter stating that " you are not financially responsible for this loan '' but yet they send a bill to me only and take the payment out of my account which only has my name on it. They refuse to report this mortgage to the credit bureaus and I need this good credit on my reports as my credit is not good ( I have a mentally ill child and the medical bills/treatments caused me to go into debt ). I am a widow, on a fixed income and desperately need this credit yet Chase Bank will not answer my questions ( I asked them WHO is responsible for this loan if it is not me and why do they send ME a statement each month and take it out of MY account ) and continue to refuse to assist me. Nothing would change by Chase doing this, they would still receive their payment ( which has never been late in 11 years ) and all I have asked them to do is put my social security number on the loan and report its good standing to the credit bureaus. They will not do this for me. I asked them the first time I took the death certificate into them if I needed to do anything regarding the mortgage and was told I did not need to do anything. Is there anything I can do about this? Legal action?

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion computer glitch that added inquires that originally was deleted. Transunion later added them all back on without giving me required 5 day written notice prior to re-adding them. this has been a violation of my consumer rights.

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 09-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient directly benefited and encouraged XXXX XXXX XXXX to defraud its students using various schemes including pulling students out of class, withholding books and materials in order for students to be forced into higher cost private student loans, this includes the methods detailed in the lawsuit filed by the Consumer Financial Protection Bureau ( attached to complaint ). XXXX XXXX XXXX is now closed and Navient is refusing to discharge the debt under fraud simply because they are a private lender. I believe that Navient is a conspirator in the fraud and should be subject to sanctions and forced to abide by the same laws that protect students who borrowed with federal loans and allow a defense from payment claim.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (I do not know) with CURO Intermediate Holdings (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. In 2016 my apartment was broken into and several identity documents were stolen, including my photo ID and social security card. I filed a police report with the XXXX Police Department - report ID : XXXX I have attached a copy of the police report to this complaint. 

The debt being collected does not belong to me. I did not take out a loan, nor have I ever taken a loan, from " Speedy Cash ''. I have never taken out a payday loan period. I did not receive any funds or benefit in any way from a loan taken from this company.

During the course of this identity theft several accounts were opened in my name. All creditors were notified that these accounts were fraudulent and investigations were opened. I have attached copies of letters from other creditors who opened investigations and found these accounts were not opened by me. 

Several bank accounts were opened in my name as well. I suspect whatever bank this loan was sent to was one of them. Bank accounts fraudulently opened in my name included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts have been disputed, closed and removed from my credit reports. 

I have also attached the FTC affidavit of identity theft to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX consumer XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and eastern accounts are reporting charge off these accounts are no longer accountable the debt was sold and written of on taxes therefore XXXX can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification

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