milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I initially disputed my DSNB/Macy 's account in which I stated I was never late but it shows late XX/XX/XXXX In addition, there is no data reporting for the account during XX/XX/XXXX to XX/XX/XXXX. Why is there no data reporting for these particular months? I requested that Experian confirm with XXXX XXXX the validity of the late information and verify with proof where the statement was mailed because I never received. Also, on my https : //usa.experian.com account that I viewed from my cellphone on XX/XX/XXXX it showed a status updated on XXXX/XXXX/XXXX, balance updated on XX/XX/XXXX and account paid satisfactorily. How can I then receive an investigation with the account reflecting late and no information being reported and closed in XX/XX/XXXX which is incorrect? It appears someone is attempting to keep the account from going to a positive status.

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 01-12-2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from US Bank that my insurance policy is not acceptable. They state that the investor requires that the deductible not exceed five percent of the policy limits. I live in a condo and it is insured through my condo association. I also carry a personal policy. My condo is adequately insured. No loan documents state the deductible requirements. My personal policy is for {$18000.00} with a {$1000.00} deductible. I called US Bank and the representative told meI have to get my coverage increased or deductible lowered on my personal policy. I 've had this loan for less than a year and my current coverage is the same and was accepted when I took out the loan. My loan balance is only 60 % of the appraised value. The representative told me if I did n't change the coverage amount or deductible they would not accept my policy and force place coverage and increase my monthly payment.

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 10/13/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We had broken pipe in the XXXX floor bathroom, while away on vacation for 2 weeks. There was mold when we came back on XXXX XXXX 2015.We did not wait for insurance claim check and hired and paid in full licensed mold remediation company. The job was completed on XXXX XXXX 2015. Nationstar Mortgage received our endorsed claim check for mold remediation on XXXX XXXX 2015. It is a nightmare ever since. For the past 2 months I called to loss department XXXX times, every time they ask the same information over and over.After I sent to them Documents numerous time ( they can not read the signature, they do not see XXXX balance on contract, they lost my contract all together and can not find it XXXX they would say it will take 5 business days for resolution department to review my claim. The next time I call we would start again from square one with an other representative, who would start reading notes, etc. It seems nobody can do their job in Loss Drafts Department. They hold my claim check for Mold Remediation for 2 months. Every time I call they come up with something new. Today Rep by name XXXX XXXX read the notes again, and told me someone will call me back in 2 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My Federal loans were all taken out before the bubble burst and I was saddled with a 7.1 % interested rate. A number of my loans were sold off to different lenders during XXXX and I consolidated them to keep them all in one place however I am now stuck with an impossible interest rate which is exploding my debt. I want to be able to be able to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I would like for Experian to obey the law and block these fraudulent accounts and stop being negligent so I can obtain credit for future endeavors. I 've attempted to clear this matter twice before and if this is n't resolved I will see them in court and SUE. Please block and remove this items per section 605B of the Fair Credit Reporting Act by blocking fraudulent information resulting from identity theft. I filed an affidavit and identity theft report and these items still remain. These are the accounts below : Account Name : XXXX Account Name : XXXX Account Name : XXXX Thanks for your help in this matter.

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 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 a problem with student loans that are reporting that I did n't have. The Rep says they were consolidated and sold to another company but that company is not listed on my report. There are also student loans that were consolidated but the old loans were not closed on the report after the consolidation so they reported with late statues even two years after the loan were consolidated. I reached out to XXXX XXXX XXXX but there record keeping is so poor they ca n't seem to figure out when they took over the loans. The companies are XXXX XXXX XXXX and XXXX XXXX and XXXX  and XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: inquiry victim inquires from companies i never authorized on 3 credit reports XXXX, Equafax, XXXX XXXX.
Inaccurate information on my credit report 1. XXXX XXXX account late payment status, XX/XX/XXXX reports as negative Due to do inaccuracy of this information i request you delete it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 disputed the reporting of XXXX XXXX XXXX reporting a $16000+ outstanding balance.  This account was included in bankruptcy and NOT reaffirmed.  I submitted a copy of the US Bankruptcy Court's denial of reaffirmation multiple times to Experian, XXXX, XXXX and XXXX XXXX XXXX and it was not corrected.  In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.

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 10/28/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These people called several times and when I finally returned the call they called themselves Receivable Performance Management ... when I asked about why they called they asked if I was XXXX XXXX ... they then asked to verify my personal info like address and social security number ... I refused to provide them with it ... they then put me on hold for an extended time ... I owe no one and am up to date on all my legitimate credit accounts and have done no business with anyone in years and years outside the current accounts I have ... I want these people to identify what they want and contact me via mail only ... then leave me XXXX alone ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: **Misleading and Fraudulent Advertisement of Chase Bank 's XXXX XXXX XXXX XXXX Chase Bank in association with XXXX XXXX issues credit cards that offers the miles for the purchases made using the cards. One such card is XXXX XXXX XXXX card issued by Chase Bank. This card charges variable APR of 16.74 % - 23.74 % with annual fee of {$390.00} ( soon to be increased to {$450.00} as recently notified by Chase ). I have this credit card the terms of benefits clearly states that the accrued miles on XXXX XXXX will not expire as long as the credit card account is active. <P/>I have accrued almost half XXXX miles on XXXX XXXX primarily using the credit card purchases but recently came to know that XXXX has blocked my mileage account and my miles are not available to me now. <P/>It is not in accordance with what Chase has promised and made customers take this credit card product and pay the annual fee with the interest charges. <P/>I contacted Chase Bank regarding this and asked them to refund the annual fee and interest charges as they are not giving me the promised credit card benefits but they refused to refund the money they charged for the undelivered benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Non-federal student loan) with ALLIED NATIONAL INC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been making regular, monthly payments to Allied Interstate XXXX Inc. for years ( I set up automatic debit through my bank account ). During tax season they call me XXXX times ( equal to XXXX times ) a day on my cell and home phone numbers without leaving voicemail. Their intent is to get more money out of me via my tax return.

Company response to consumer: Untimely response
Consumer complaint received 07/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I consolidated my loans with Navient and have spoken with several customer service reps regarding my student loan repayment plan. I have been working for a Non Profit organization for almost 6 years. I told them that i would like to ensure that whatever repayment program I am placed on qualifies me for loan forgiveness based on the fact that I work for a non profit organization. I was very angry to eventually realize that Navient does not do the loan forgiveness program and that my loans will have to be signed over to XXXX XXXX and I had to be on an IBR repayment in order for my payments to be counted as qualifying payments. Navient placed me on a standard repayment plan, which I have called several times asking if this repayment program qualifies me for loan forgiveness through my employer and I was told yes. Through my own research I realized this was not the case, unfortunately not until late last year. I had my loans transferred to XXXX, only to be told that none of my payments that I have made to Navient for the past 5 years will be counted towards my loan forgiveness period!!! I am very upset that my 10 year calculation just started in XXXX of 2016! I will not be getting credit for 4 years of on time payment! Navient id a rip off and was only concerned about my payments which may I add was almost double what I am paying now in a qualifying program. They need to be held accountable for jeopardizing my loan forgiveness period and ripping me off!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax had a data breach and my information was included. This is an unacceptable use of my personal information and is potentially damaging to my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (I do not know) with The CMI Group, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from CREDIT MANAGEMENT COMPANY # XXXX. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is related to the Equifax breach. I expect to be protected to the fullest extent of the law and compensated for the full amount of any unauthorized use of my personal identity.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 11-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A Collection Debt has been on my Experian Credit Report for over 13 years. I have asked it be removed in the past and Experian has responded by changing the " Open Date '' to make the debt seem current. This has happened several times. As of today, the debt still remains as a collection debt on my report with an open date of XXXX even though Experian has been reporting this collection debt since 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 10/14/2015 about Mortgage (Conventional fixed mortgage) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Application, originator, mortgage broker

Complaint: We were tricked into accepting a high interest rate mortgage with Huntington Bank. Their employee outlined a plan for us to mortgage out of our land contract, then do a cash-out refinance on the new mortgage, something we could not have done on the land contract. His advice was for us to take premium points ( a higher interest rate XXXX on the first mortgage and use the bonus cash to pay the closing costs. We would then immediately cash-out refinance at a lower interest rate due to a points purchase, and pay closing costs as required. The net effect of this plan is to bypass rules against cash-out refinance of land contracts, and to avoid paying closing costs XXXX times while doing so. The day before our right of rescission was to expire, the employee confirmed his plan to be correct. Even when specifically asked whether or not seasoning was required before we could refinance, the employee confirmed it was not, that we were a special exception and we could proceed as planned as soon as our right of rescission had expired. The day our right of rescission expired, the same person told us we can not proceed as he had planned due to a requirement that our loan season for XXXX months before we can refinance ( seasoning ), that he had made a mistake and was sorry.The net effect of this trickery was that we now are stuck with a high interest rate mortgage. 
This person 's supervisor corroborated his plan prior to its execution and is culpable in his wrongdoing. 
We believe we have been intentionally tricked into this high interest rate product. 
This is not a hearsay situation, we have voicemail messages, text messages and witnesses ( including a notary public ) to a conversation which all prove the employee was intentional misleading for his own and his bank 's greater profit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: reporting a {$98.00} medical claim in collections and reporting it to my credit reporting agencies this debt is not valid and incorrectly reported on my credit file and needs to be removed asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a copy of the letter I sent to the credit bureaus on XX/XX/XXXX. THey have not responded yet. Its been longer than 30 days.

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 01/16/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I decided to refinance my mortgage that I had with Citi. I went through XXXX who communicated with Citi on my behalf. Citi told me that in order for me to do the refinance I had to make partial payments. Before this refinance process I had never been late mind you. I specifically asked the agent would these partial payments be held against me and would they count against my credit? The agent told me no. It was a lie. The partial payments that I made were reported to the credit bureau. This resulted in several late payments that have had a significant negative impact to my credit. I have called Citi and no one will listen to me ; just tell me that I was late. I listened to the instructions of my case manager and beleived and trusted him. I was lied to by my Citi account manager and it simply is n't ethical or fair. I want my calls that were recorded to be reviewed so they will believe me ; show that I was lied to by my account manager. I deserve my late payments during that time removed off my credit report. The whole process with Citi and XXXX took about a year. It was a terrible long drawn out process but eventually it was completed. I really need the late payments removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've been disputing XXXX XXXX XXXX XXXX since XXXX 2015 informing them that this is not my account. I 've disputed with all three credit bureaus and every time XXXX XXXX XXXX XXXX confirms that this account belongs to me. I 've asked Equifax, XXXX, and XXXX for method of verification but never received one. I then disputed it directly with XXXX XXXX XXXX XXXX and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the three bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.

Company response to consumer: Closed with explanation