milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on XXXX/XXXX/XXXX my credit was pulled by ally financial auto financing. I contacted ally financial on XXXX/XXXX/XXXX in regards to this inquiry representative was very unhelpful and advised me to dispute it thru my credit report this is a fraud inquiry and my authorization was not given to pull this 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 10/16/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I faxed a letter as initially directed by customer service requesting my PMI cancellation because it is meeting the ratio required. I make my payments on time, make extra payments and I have no junior loans. The Federal Reserve has the Homeowner 's Protection Act which states that in the case of a refinanced loan the " original value '' is interpreted as the appraisal used at the time of the refinance. I do not feel I should need to pay over XXXX dollars for a new appraisal when the Act states that the ratio is based on the original value/ appraisal. I called two hours later to confirm if fax was received. They said they have their own procedures, requested I fill sign their ( PMI Removal form " immediately '' ( which had a built in consent to pay for appraisal that I did n't see ) and to fax it to a different number. After debating the legality of their " required '' appraisal and fee, the employee XXXX XXXX then they said they are referring the matter to their PMI department and they will call me back in four days. I sent them the request, the appraisal, and I also sent the section of the Homeowners Protection Act pertaining to refinanced loans. I spoke with XXXX separate people and it took hours. Both women had heavy accents that were unintelligible. I have never received documentation from this company on PMI cancellation, nor is it visible anywhere in their website.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with On-Site Manager, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I applied for an apartment and was denied because my credit report states " civil action for possession under landlord tenant records. 
The rental property was in my parents name when I was in high school and the rent was only paid late. We have the documentation that states it was dismissed by the court.

Company response to consumer: Untimely response
Consumer complaint received 05/18/2015 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently working with XXXX XXXX Opportunities aHUD approved agent. We have been trying to lower my percentrate to allow me and my family to keep our home. I have hadseveral hardships over the course of our loan that has put meand my family under financial strain. We have been in the processfor a year and half now. Everything we do seems to be wrong. 
They have asked for check stubs, hardship letters, tax information, employer letters, unemployment information, bank statements, and credit reports. We have submitted theses packets at least XXXX over the course of working with HUD. The packet was sent viapriority mail so that they would have a hard copy and and we would have a copyin our records. Everything we send seems to be missing or they can not read it. 
We have submitted paystubs again because they can not read what was sent. 
This time we have faxed again and submitted a hard copy priority mail. 
With a tracking number and signature needed again. Even my Hud agent isbaffled by the way Beneficial has handled our hardship. They have changed our pointof contact several times. When we finally received confirmation thatthey have all documents and they can read them on a XXXX way call. 
They change the point of contact and say they need more and now thethe point of contact can not communicate with my HUD agent. 
Which is really confusing when she has a XXXX party approval. She is myHUD representative. They even had us fill out XXXX party forms XXXX because theyclaimed that the formed expired even though it says it is good fora year. However, it expired after 6 months. Now they say that it is therepolicy they do not talk with XXXX part reps. That she now has to talkdirectly to Loss Mid directly. Why do the rules keep changing. 
Everytime they call or send a letter it states how they want to workwith me and give HUD numbers and then they give us this completerun around. I have come to the conclusion that they think if they keepmaking us jump through hoops and basically giving blood test andnothing is going to work because they think we will just give upour home with out a fight. I love my home and will work hard to keep it. 
My percent rate has been a 10 %. I have already basically paid for myhome once and with percent rates as low as they are you think theycould help us as they state every letter and phone call. All I amasking for is a lower percent rate and obviously a lower payment some and my family and keep our home. We are a working family. 
I work anywhere from XXXX to XXXX hrs a week. I am not on welfare. I paymy taxes and make donations to those in need. What else dothey need. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (NV).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: was not contacted at all whatsoever about any debt owed. I found out by checking my credit report and finding a collection agency account by ad astra in regards to a seriously past due loan obtained from speedy cash/rapid cash. For 5 months i received no mail no calls or any form of communication from XXXX XXXX or ad astra

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 am uploading documentation that XXXX  is still reporting my XXXX XXXX account as having a late payment the month of XX/XX/2015 which is reporting as a negative account on my XXXX credit report. I am also uploading proof from my XXXX  credit report that it has been confirmed that this account was never paid late. I have disputed this several times with XXXX   but they will not fix this error.

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 08-12-2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NC).
Issue: Taking out the loan or lease

Complaint: I leased a vehicle with XXXX XXXX Nissan in XXXX, NC. It was a three-year lease ending XX/XX/2016. In the lease contract, under the heading " Purchase Option, '' it states : " You have the option to purchase this Vehicle 'AS IS ' from the originating dealer ... in cash for the Purchase Option Price, plus any official fees and taxes, vehicle inspection costs required in connection with the purchase, and a Purchase Option Fee of {$300.00}, which fees, taxes, and costs are not included in the Purchase Option Price agreed to in Section 6. '' The Purchase Option Price under the lease was {$16000.00}. The lease also contains a section defining official fees and taxes as including only " registration, title and license fees, and personal property taxes. '' When I went to the dealership to exercise my purchase option under the lease ( the same dealership I leased the vehicle from ) it tried to charge me an additional " Administrative Fee '' of {$690.00} and an " Electronic Filing Fee '' of {$120.00} in addition to the other official fees and taxes and vehicle inspection costs. When I complained, the sales manager XXXX XXXX, admitted that these administrative fees were not disclosed in the lease contract, but refused to remove them. He said that if I did n't want to pay them, then I would not be able to exercise my repurchase option and would have to return to the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: It was my first student consolidation of my federal loans with navient. I was told by loan representative that because I was  i n  XXXX  I w ou ld get a forgiveness on some of my loan and because of my low income I would get a reduced fee on payments. He said do n't change anything at all when I send you those documents for your consolidation he said he had everything inputted on the application thst would allow me for the forgiveness and reduced rates of repayment ... so I did n't, I looked over the papers and signed and mailed in. I then received my loan papers and it had me at a high % repayment I owed  XXXX  but with loan over and done with it would be well over 150,000, I then seen that my monthly payments a month were 800 some dollars. I was better not going to navient and repaying each loan individually at a lower payment monthly then what I got before. I tried calling the guy after recieving what I quickly learned was an enormous lie from the rep at navient and I got nowhere, I was told there were no notes and nothing was told to me from navient of the sorts of discount monthly payment due to income and forgiveness on some of my loans for being in health care. I am more than willing to filter through all of my papers for the navient ones, I wrote everything down including the man who helped a his phone number and the enormous lies he claimed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine. It has appeared on my credit report XXXX different times over the last 5 years, each by a different company. Each time I disputed the debt in the past it has been removed from my credit report. This time however, Commonwealth Financial/North East Credit and Collection inexplicably and inaccurately verified this debt as valid. Additionally, they have re-aged the account to make it appear that it was a new collection as of XXXX, 2015. 

I sent a debt validation letter XXXX on XXXX XXXX, 2015 with no response. I am attaching the XXXX letter and Certified Mail XXXX card. PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan Modification from Caliber Home Loans since XX/XX/XXXX. I have repeatedly filled out applications per there request. They just sent a denial letter stating I was ineligible for any short term loans or interest only loans. I was supposed to be being evaluated for a repayment plan. Now I have to start all over with an appeal process and they still wo n't accept my payments!! 
There are discrepancies on the statement they have n't addressed. It says I accepted a loan modification in XX/XX/XXXX - I have never signed nor seen a modification document from them. They have payment reversals listed which I have no idea what those are for and they sent {$600.00} to my ex wife who is n't supposed to be on the loan anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I got my first loan in XXXX. My loans have been sold to new servicers repeatedly. I had my interest down to XXXX at XXXX point but every XXXX time they resell my loans it keeps going up. It 's currently around XXXX. This ridiculous. Technically my loans were paid off by these companies who keep reselling my loans without my permission or knowledge I might add. How is this legal??

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: The website logged me off, and would not let me continue to get my free yearly credit reports. I was able to get one from XXXX, but the other two timed out or something and would not let me finish what I was doing to receive my reports. Please advise what to do next, and how to proceed. Thank you so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: student loan with XXXX XXXX reporting to my credit file that doesn't belong to me email company and send letter by mail asking proof of document have not gotten anything or hear back from them account was removed from my credit file but then 3 month later put back on

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 09-01-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Account opening, closing, or management

Complaint: The mobile deposit of an Offcial Check of {$1900.00} was made into my Account on XXXX/XXXX/15AM and Bank Accepted the Deposit on XXXX Afternoon and Credited to my Account on XXXX/XXXX/15. Based on Available Balance I Withdrew {$1200.00} Cash & XXXX/XXXX/15 Withdrew {$1100.00}. On XXXX/XXXX/2015 AM Chase Bank Informed me that Official Check 0f {$1900.00} Deposited to my Account is Fake and Charged my Account {$1900.00} Debit that created Negative $ XXXX Balance. On XXXX/XXXX/2015 A Social Security Administration Deposited Retirement check of {$1500.00} in my account. Chase bank take away that money to pay-off negative Balance. I think this is unfair business practice who accepted Fake Official Check Deposit on XXXX/XXXX/2015 and then punish customer by taking away theirsocial security money.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax shows a address and name that is completely wrong.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  <P/> I have never lived there at all! I suspect fraud.  <P/> They also show a name as  XXXX ?  <P/> That is not my name.  <P/>  XXXX  is correct. Why is my equifax score at  XXXX  and my  XXXX  score at  XXXX ?  <P/> How can there be that big of a difference?  <P/> My correct information is :    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   Ind  XXXX   I have worked at  XXXX ,  XXXX   XXXX , and now I work at  XXXX    XXXX  the  XXXX   XXXX   XXXX  .   This is not that difficult, why ca n't these credit bureaus communicate and ensure that information is correct. I believe these credit bureaus have a responsibility to ensure that information is correct.   Please have Equifax remove this fraudulent information. Thank you  XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with U.S. BANCORP (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a HELOC with US Bank and they did not provide disclosures on time as required under TILA and Reg Z. I have tried for over a week to provide documents to my loan processor, however she first suggested I send the documents to her in an unsecure method via email. I advised I would need a secure way, and she advised she would set me up on a portal. I have tried multiple times to use this portal, however it is not set up where I can send messages. I have tried calling and I am placed on long holds without resolution. I feel like this is an unfair and abusive practice - I have been placed on many holds without resolution. I am trying to supply what I need to move forward with my mortgage - i am unsure if they are stalling because they know I am in a same sex marriage, or if there is another reason they are purposely delaying this application. At this time, I have been on hold with this XXXX number for 18 minutes and counting. I was transferred here from a sales line, which I was able to get through on in 2 minutes, and was assured their office in XXXX, OR would be able to respond. I am about to hang up and withdraw my application, but I feel like the CFPB should investigate their Reg Z and UDAAP violations.

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 06/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I am resubmitting complaint # XXXX. I filled out the answer boxes incorrectly ; I E Debt owed to and Collection company. 
Hopefully, at the end of this questionnaire-I can attach my fiole describing all of the events.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX 2010, I transferred my consolidated federal loans to FedLoan Servicing so that I could be a part of the Public Service Loan Forgiveness ( PSLF ) program. This program says that when you make 120 on-time qualifying payments while working full-time at a qualifying public service job for 120 months, your loans can be forgiven. 

When I transferred my consolidated Federal loans over to be a part of PSLF, I remained on an Extended Standard Repayment Plan ( 25 years ). I had a phone conversation with a FedLoan Servicing customer service representative to confirm I was doing everything correctly so that I would qualify at the end of my 120 payments. I was told that all I needed to do was submit paperwork from my employer to prove my service throughout the 120 months. That is what I remember and took away from the conversation. After years of making repayments, I have come to realize I have been on the wrong repayment plan. I should have been on the Income-Based Repayments Plan. I think that FedLoan Servicing did a really poor job at communicating this and made those terms very unclear. Also, I was paying more on the Extended Standard Repayment Plan ( {$350.00} ) than I would have on the Income Based Repayment Plan ( {$200.00} ). I would like those years of service and loan payments to count toward my loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Enhanced Recovery company holds ownership of a debt I owed to XXXX XXXX XXXX originally. Yes the account became delinquent and has been for some time. I have however COMPLETELY PAID the balance to ERC MONTHS AGO. IN FULL. It has not been updated to the credit reporting agencys that this bill has been paid. 
I have also disputed this line on my credit reports with XXXX, XXXX, and XXXX. Yet only one of them removed the line. 

ERC reference number to this debt is XXXX. 

Bill was paid in XXXX XXXX. Im attaching the bank statement proving I paid the balance for the debt in full. 

Look for this line XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERC XXXX FL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Conventional fixed mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Loan servicing, payments, escrow account

Complaint: Banco Popular de Puerto RicoMortgageDespite being completely up to date, this bank has been harassing me since XXXX 2015, every month by calling on the 1st, 2nd and 3rd day of each month to pressure me to pay and when they can expect payment. I repeat, the mortgage is not in arrears or default, it is completely up to date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with Source Receivables Management LLC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: THIS COMPANY IS FORIEGN TO ME AND DO NOT HAVE A CONTRACT WITH THIS COMPANY, ..THEY DO NOT HAVE PERMISSION TO DECIMINATE MY PERSONAL INFORMATION AND IS IN VIOLATION OF FDCPA LAWS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had one student loan with fedloan and it was transferred to the dept. Of edu. This student loan is currently paid in full and closed but these two accounts show late payments that are inaccurate. Especially on the dates of XXXX. 2012 to XXXX 2012. Due to me being enrolled in school and payments were to be deferred until 6 months of my last enrolled date. I 've made numerous attempts to get the late payments updated with this company directly. By phone, fax and mail. Those late payments are really affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: They have reinsert ran account that was previously removed and re aged it. This account is old. 7 years old. XXXX

Company response to consumer: Closed with explanation