milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Incorrect reporting of my status by Equifax.. 

The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for XXXX XXXX XXXX XXXX Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # *********** Equifax needs to correct my account status as Mortgage included in Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Ever since my accounts were transferred from  XXXX   XXXX  to Huntington my mortgage account and funds have been severely misused. I knew my payment would be due around the beginning of the month in  XXXX , about the same time that the transfer happened. On  XXXX  I called to be sure my mortgage account would still be paid automatically. the first person I spoke to said it 'might not ' be. The second person I spoke with said it 'should ' be. I spoke to several different people because I had not, and still have not, received any debit card or checking account statements and could not setup an online account. Later that night I was able to login to the online account and while picking around at it I noticed that all of the information including the amortization schedule showed that my next payment was due  XXXX  so it would seemed the automatic payment had indeed been made. However it also showed that my next payments were going to be going 100 % toward interest- every penny. I questioned this ( again on the evening of  XXXX  ). On  XXXX  I received a response stating they were looking into it. On  XXXX  I again reached out stating that I did not want to make further payments until this was corrected, and a few days later I received a call saying that they were still looking into it and had put a note on my account to not be charged any fees during that time. On  XXXX  I began receiving calls asking " when I was going to make my payment '', even though there was no actual 'payment due ' as can be seen in my statements. When I responded that I was waiting until the issue was cleared up they reassured me multiple times that it was. I made a payment in the usual amount ( payment plus some extra for principle ). Around  XXXX  I received a statement showing that not only was 100 % of my regular payment indeed applied to interest only, but my " payment due '' for  XXXX  was  DOUBLED! In  other words, they blatantly lied to get me to pay a payment that they completely mishandled and/or have switched my loan type to an interest only loan without any consent or notice whatsoever then DOUBLED my payment! It is beyond frustrating that larger companies can do this with no consequence, and I 'm sure I am not the on ly one they h ave done this to.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Student loan (Non-federal student loan) with The Law Offices of Richard W. Krieg, LLC (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My name is XXXX XXXX. I am a college graduate of XXXX University XXXX of 2012. At the time of graduation I like many other students was not able to secure a good job. Over the last three years I have moved from being unemployed to underemployed and back again. I graduated with roughly {$100000.00} in student loan debt from various sources. For the federal and private bank loans I have been given forbearance and deferment. However for my loan through the XXXX ( {$39000.00} ) I was not granted the standard grace period of 6 months to 1 year. My loan with XXXX has since gone into default. The loan has now been handed over to the Law office of XXXX XXXX in XXXX, NJ. XXXX states that there is no loan rehabilitation with them and they wo n't help.I have emailed XXXX XXXX XXXX who is in charge of the NJ Class student loans and petitioned her to see if I could make a more reasonable payment. After speaking with the law office and making a good faith effort to start paying off my loan they did not give me a reasonable amount to pay. They were asking for nearly {$800.00} a month for 10 years which I could not possibly afford with bills and other student loans that I will have to pay. I now have a good job and would be able to pay them $ XXXX/month however they were not willing to listen. My sister was a cosigner on the loan and has also fallen on difficult times recently and they are garnishing her check. I am asking for any assistance you could provide me with. I worked very hard to graduate from a great university and financial hardships after graduation impeded me repaying my loan but I am willing to get back on track with a reasonable repayment plan. The law office now is not being responsive to my call or the calls of my sister, I believe that since they are garnishing my sisters check they do not want to speak. Please help in any way that you can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Ditech soon after I purchased my home in XXXX, XXXX. I had set up an escrow account with the original company handling my loan. Here 's the problem : In South Carolina ( maybe other states as well ) persons XXXX years of age and older are allowed a Homestead Exemption on property tax. Nice, right? Ditech refuses to honor that exemption and has, for nearly XXXX full year, been over-charging me in the amount it collects for escrow. I have been communicating with them since XXXX, XXXX, when I realized what was happening. They are stone-walling me at every step. I sent the tax bill from XXXX XXXX, SC directly to their Tax Dept., per instructions from their Customer Service Dept. A few weeks ago I spoke with a Supervisor in their Tax Dept. who was going to look in to this issue. I heard nothing back ; meanwhile, taxes still not reflecting the exemption. Today I spoke with the same Supervisor. He wondered if the document I sent to his department maybe " got lost in the mail? '' But, in any case, he explained they would not be changing what they are collecting from me monthly tax-wise. 
Even more curious, the Customer Service Rep. I spoke with before she transferred me to this XXXX XXXX, had my information right in front of her. She said, yes your taxes are showing a reduction, and gave the correct amount allowing for the exemption. Still the tax department can not manage to make the necessary adjustments. I believe that this is being done purposefully, without a doubt. I am starting to look at refinancing with my local bank ASAP. Ditech is, in my mind, behaving in a criminal manner in regard to my mortgage/escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is a XXXX account on my credit report that should not be there. I talked with XXXX and they said they dont report to the credit bureau and not sure why it is on there. I have tried for years to get this negative item off my report but no luck

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 05-02-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equivalent is displaying information previously deleted and known to be fraud by the XXXX ca I have argued and XXXX said they would remove it. This is Harasment and due to id fraud and welfare fraud. They have also reinserted negative collection accounts eliminated by creditors due to id theft some of these creditors have written themselves on your site the release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015, company named Contract Caller Inc. called in regards a debt owed by XXXX XXXX of {$200.00}. I contacted XXXX that I had received {$100.00} towards this debt and mailed a check from an outside source. Only owe {$100.00}. I responded that I did n't have the funds to cover the rest of balance. Upon explaining, the party stated to me that I must overlook my responsibility and how do have I been paying my bills. Totally disrespectful and unprofessional. Called a second time on XXXX XXXX, 2015 with the same questions. I asked did n't you call on the day before, response was that they were n't sure. I stated that they had. I do not dispute that I did n't owe the debt. Constant calling is annoying. Collection agency called Contract Caller Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX . XXXX, XXXX, GA XXXX. Phone # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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 specifically reported XXXX XXXX XXXX ( Not XXXX XXXX ) about a $ 4,000+ balance for an account that is n't mine. Initially XXXX removed it, then they put it back on there. XXXX XXXX themselves even verified this account was fraudulent. They even told me XXXX looked into this and confirmed. They need to remove this fraudulent account.

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 09/29/2015 about Student loan (Non-federal student loan) with Immediate Credit Recovery (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had a student loan that went into collection with Immediate Credit Recovery twenty or more years ago. The original loan amount was {$10000.00} and the interest rate 10 %. I set up automatic payments of {$250.00} a month that were deducted twice a month for at least ten of these years. I believe it was XX/XX/XXXX when they disclosed to me they could no longer make automatic deductions, so they began calling me to authorize payment. The original servicer was extremely rude and nasty and I had to speak to a supervisor in order to get someone humane. I also reduced my payments to once monthly, or {$120.00}. In XX/XX/XXXX I asked to settle the account for {$5000.00}. I was told that amount would never be authorized and I needed to make a payment of at least {$6200.00} to reflect 50 % of the remaining balance ( {$12000.00} on a {$10000.00} loan ). 

I called the school directly ( XXXX University ) and after several back and forth conversations between ICR, XXXX and myself the school authorized {$5000.00}. By this time however I had discovered that my payments to ICR had reached nearly {$30000.00} -- three times the amount borrowed. ICR could not explain to me why on-going payments were needed or even a lump sum to pay off the loan. In addition the school agreed that a 10 % interest rate on a student loan was now considered exorbitant ; however the school only communicated with me through ICR, which told me the offer to settle would expire within three business days. 

I called the CFPB three times for advice on whether or not to settle the account but was told there was no representative who could listen to my situation and guide me, and that I could only file a complaint. I did not want the collection agency to make my life any harder so I made the payment. 

After the payment was made, the servicer called to ask me to put in writing that i authorized each and every payment made on the account, which is in fact untrue. This is evidenced by the fact that i immediately cut my monthly payments in half when i was contacted by a live representative in XX/XX/XXXX. 

At this point I decided to make a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: This is a request as authorized by the FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] In XX/XX/XXXX ) I disputed the following account ( XXXX XXXX XXXX Account # XXXX ) In your letter of XX/XX/XXXX and your report # XXXX you have properly deleted the circled account. In my current report the subject account has been fraudulently re-inserted to circumvent the regulations of the law.I am hereby disputing this fraudulently re-inserted account. Please furnish me with the following ; ( 1 ) A description of the procedure used to determine the accuracy and completeness of the information. ( 2 ) The business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with such information ; In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX, 2014 we had a fire disaster in our Apartment Unit at XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX. XXXX XXXX   XXXX XXXX destroyed because of the disaster. I contacted XXXX about the disaster and the damage. They temporarily put a stop on services and got reconnected service two months later when we moved into our new Apartment. 

I never had any more communication with XXXX on the damaged modem which was because of the disaster. 

In reviewing my Equifax Credit Report i found out that the modem is listed as derogatory mark. I have tried several times to get this matter resolve with XXXX to no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit card protection / Debt protection

Complaint: XXXX Credit Card is harassing me with collect agency me while I have called them 8 times since XX/XX/2017 to solve my problem because my full payment was n't posted on their end. XXXX store card has transition from XXXX to Capital One bank so they misplace my XXXX statement of XXXX and change. I ca n't retrieve because I had paperless statement with XXXX. However, I knew I had a payment of XXXX and change so I paid XXXX cash at the store and I have the receipt. XX/XX/2017, I have receipt a statement from Capital One that XXXX Credit balance XXXX including late fee and interest charges. I really got frustrated and gave a call to XXXX spoken to XXXX on the XXXX and told me he will put a claim investigation and see if the store can help me with it too. So I went to the store XXXX in XXXX XXXX that is where I made the payment. The manager XXXX on XX/XX/2017 was kind enough to call cs at Capital One credit service of XXXX and have told them about my situation that I have the receipt of the payment. Spoken to Customer Service of XXXX name XXXX she said it may take up 30 days and investigate it I said sure. The store send them the information. I even send out with the previous statement that was due on XX/XX/2017 to Capital One Retail Services, XXXX. XXXX XXXX. 30 days has past I keep calling XXXX all they telling me about it is collect dept etc. Also, in their system they have received the documents but it has gotten lost. It gets me more frustrated cause nobody can help. Seems like they do not know what they are doing, but blame others for there mistake. I spoken to XXXX she gave me a fax number XXXX to fax over to the investigation. I kept on faxing the papers but it constantly busy. I called on the XX/XX/2017 I spoken XXXX she made another claim and gave me another fax XXXX but it is constantly busy. I am tired of this and two I had a credit score of XXXX now it XXXX I am even more frustrated I am done with them I want to get this cleared out and my score back to normal. Plus I went to Capital One Back directly too and they said they do not deal with Retail Stores.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a student loan thru Navient I have been paying on the loans but over the years instead of the loan amount decreasing they have been increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I WAS TOLD THAT BECAUSE I AM A XXXX / XXXX PERSON, HSBC WOULD NOT ACCEPT MY APPLICATION FOR A SIMPLE CHECKING ACCT, STATING THAT I LIKELY HAD NO VIABLE SOURCE OF INCOME ... .EVEN THOUGH I HAVE SS. THIS IS A CLEAR VIOLATION & OF DISCRIMINATION LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Pulled my credit 17 times beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. 

I have today requested that they cease and desist. I have no accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (CA).
Issue: Problems when you are unable to pay

Complaint: Purchased a car from XXXX XXXX XXXX in XXXX put {$6000.00} down and in less than four months transmission went out they told me the car was still under manufacture warranty when I bought it because I kept asking for an extended warranty but instead they sold me GAP and told me the manufacture warranty was still good. XXXX would not repair the car they said warranty expired 2 months prior to the repair which was {$4500.00}. I filed a complaint against both companies with XXXX. Went months trying to get a resolution. I was paying my car payment plus XXXX of dollars in rentals. Could n't afford both renting and car payment so I let the finance company know what was going on. So they went and repo the car because I told them I could n't afford the repairs and the dealership was going to place a lean on the car because it had been there for two months. So Exeter Finance picked the car up. Several months later I receive a memo from XXXX saying I can have the car repaired but by now the car is gone Exeter sold it and I 'm stuck. Lost {$6000.00} plus spending nearly $ XXXX a month on rental cars. I am currently spending {$250.00} a week on a rental car because now I ca n't even get a car loan with a repo. I just think this whole situation was not fair and I was cheated as a consumer by all XXXX companies XXXX, XXXX and Exeter Finance who did n't even give me the opportunity to try and get the car back they picked it up and sold it immediately without any communication with me. I paid all my payments on time and communicated with them through everything that was going on. I have XXXX children and this situation has caused me to have a great financial hardship and nobody had consumer centered customer service in this situation. XXXX tried to give me a repair order but it was too late now what do I do I ca n't afford to keep paying for this rental.

Company response to consumer: Closed with explanation