milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2017 about Mortgage (Conventional home mortgage) with CHEMICAL FINANCIAL CORPORATION (OH).
Issue: Trouble during payment process

Complaint: My mortgage is served by Chemical bank and after filing for bankruptcy the have begun reporting that my payments were not made even though they have been. I believe they are doing this to prevent me from rebuilding my credit even though I have not missed a mortage payment ever. I feel this is unfair and believe something should be done to stop this for me and everyone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: We have a leased XXXX from toyota financial services, they reported us 30 days late negative credit reporting. Our lease contract was expiring, we called and had it extended. This change screwed up their billing cycle as proof we have print outs from toyota website showing no billing statements were ever created for XX/XX/XXXX and XX/XX/2016. We even made double payments when finally thier system accepted our payments. basically their system was not accepting our payments because of the lease extension changed billing cycle/system. we wrote letters to toyota to correct the reporting but they are saying not their fault. No one is even available to speak with in their credit reporting department, i am the co signer, i had perfect credit in the XXXX, always made payments on time. 
attatchments are letter to toyota and printscreen of toyota website showing no statements generated for XX/XX/XXXX and XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have tried multiple times to lower my payment from my loans, when I first graduated college I was paying near to almost XXXX per month, then they slowly lowered the payment by extending the loan terms but also keeping me at a 9-10 % interest loan. at one point they had me on a program where they lowered my loan payment by cutting the interest in half to help, but after a year I had to re apply after making faithful payments for that whole year, and they denied me for that program. I recently called in to Navient, ant they stated that I do not qualify for anything without even questioning my income or current situation. I am just very frustrated with Navient/XXXX, for how they have treated myself and young adults and should be more flexible because I have had to put my life on hold of buying a house, and causing my credit to crumble at one point because of them not being flexible.

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. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not secure my private information, and hackers now have access to ALL of it ( name, social security number, birth date, addresses, driver 's license number, and credit card numbers ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The balance on my XXXX XXXX account ( XXXX ) goes from XXXX to {$49000.00} to XXXX to {$49000.00} several times over the past six months. It was XXXX in XX/XX/XXXX, had the balance in XX/XX/XXXX ... then XXXX on XX/XX/XXXX and again has a balance on XX/XX/XXXX. 
I have attached documents showing that this balance has been paid and the mortgage cancelled. I have also attached documents showing this progression of errors from XX/XX/XXXX until now. This fluctuation error is costing me thousands of dollars in interest rates due to the major changes in score from one month to the next.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Private student loan debt) with National Collection Systems, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX University employed National Credit Management a debt collector to obtain monies owed for me pulling out of class early. Being that I submitted in a timely manner pulling out of the class and requested that the school do not send me funds because of the course that I requested early departure. The school sent the money that was associated to my federal student loan ; unfortunately, I was not notified in a timely manner of the monies owed and the school sent the account into collections immediately without giving me chance to pay the account balance. The collection company ( National Credit Management immediately put the account in collections on my credit reports. Also, according to my Stafford loan disclosure, I am required to pay the same monies that was in collection back on my loan. This would make two payments. The school failed to tell me the accurate cost of the course which was extremely to high is the reason why I left the program and the school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: I got this card to travel around XXXX. My card was used XXXX to get money from an ATM. XXXX transactions of XXXX with transaction fees for XXXX for each one and XXXX transactions of XXXX with transaction fees of XXXX for each one. At this point my credit card was already over the XXXX limit that I had so I do n't know why bank of America would even allow this. I called and made a complaint and they returned some of the money, but then I get a letter saying my claim was denied because the card was used to get money from the ATM, I called and told them that if it was denied why did they return most of the money back to my account and that I wanted them to return the rest because I was not going to pay for any transactions that I did not make so they reopened a claim and I recently got another letter saying the claim was denied. I already called bank of america and they just keep transferring me back and forth between departments and I get no help. A week later I call back and I finally get someone on the phone and she tells me she cant reopen the claim because it has already been denied twice.

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 monetary relief
Consumer complaint received 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: This card was opened by someone else in my building due mail room non secruity. I have disputed that its mine 4 times and am making payments so it does n't hit my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: CREDIT CONTROL MADE ME APAY AN INCORRECT AMOUNT THAT WAS OWED AND PUT IT ON MY CREDIT ALTHOUGH I PAID THIS OFF. I WAS BEING TOLD NUMEROUS OF TIMES THAT THIS XXXX WAS MY BALANCE OWED. I REPEATEDLY TOLD THEM THAT THIS WAS NOT WHAT I WAS OWED. TEY INSISTED. EVERYTIME THEY CALLED I DIDNT HAVE THE BILL BECAUSE I WAS AT WORK AND DIDNT HAVE TIME TO LOOK FOR IT BUT NOW ITS BEEN FOUDN AND AS YOU CAN SEE I WAS FORCED TO PAY AN INCORRECT AMOUNT AND THEY STILL PUT IN ON MY CREDIT AND MADE ME PAY THE INCORRECT AMOUNT IN FULL. I WANT MY MONEY BACK OWED AND THIS " COLLECTION '' TO BE REMOVED FROM MY CREDIT REPORTS ASAP OR I WILL TAKE FURTHER ACTIONS AND REPORT THEM TO THE XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX and the credit bureau TransUnion, XXXX and XXXX, I even conferenced a call with TransUnion and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).

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 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: My credit for all  XXXX  bureaus is always locked until I unlock them. Recently, I decided to buy a new car, so on  XXXX   XXXX  I unlocked all  XXXX  reporting bureaus so that the car dealers could access my credit. I removed the freezes for just  one  day.  XXXX   XXXX  and  XXXX  automatically re-froze my credit on  XXXX   XXXX , but Experian would not do so even after I called them to do it. They are leaving it unlocked until I sign up for their credit-monitoring service that will coast me {$24.00} per month. I have appealed to them to freeze it up, to lock it up but they are refusing to do so unless I become a member of their credit-monitoring service. They keep sending me emails that my credit is unlocked. This is intended to frighten me into joining their credit-monitoring service. This is blackmail in the literal sense and has to be illegal. I simply want them to freeze my credit up again.

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 10/20/2016 about Mortgage (VA mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: A loan that I took out in XXXX was grouped into a XXXX then I refinanced it in XXXX. The original loan was paid off through the refinance. I have a letter of satisfactions in XXXX XXXX records stating that the loan has been satisfied. Currently I am facing foreclosure proceeding to have my home sold by auction XXXX XXXX, XXXX. I have contacted the servicer, who by the way is the third servicers that has tried to foreclose on this closed loan, sent them a Letter of Validation, which they were to stop all proceedings until they answer, they have not stopped the sale and have not sent the correct answer in a timely fashion. The sent an outdated Notice of Assignment from XXXX, who was fined last year and part of it asset absurbed by XXXX XXXX Ditech Financial XXXX LLC. Ditech did not give proper Notice of the alleged debt, did not allow time to cure the alleged debt and only give 30 days notice, without answering The Letter of Validation of Debt, when they did send a response it was the out dated Notice of Assignment from XXXX and a late sent Assignment from Ditech which took over XXXX in XXXX, and their dated Assignment is in XXXX, which was only received by me in XXXX, XXXX, they have not answered none of the questions asked in the Letter of Validaton of Debt and over the past three years that XXXX has tried to foreclose they have never provided the name and address of the creditor. that they are collecting for. XXXX was summoned to court last year and missed all XXXX hearing. I spoke with the VA that guaranteed the loan that my husband secured with his entitlement in XXXX and they told me that they have not had any interaction with the loan since XXXX which is the month after the loan was refinanced and secured with a security deed by XXXX filed XXXX XXXX records. I do n't understand how they are trying to collect on a loan that has been closed for 11 years. I have not received any statements and they have not shown a true accounting for what they are saying is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am not able to remove a credit freeze I may have put on my account when I was disputing some items. Now I ca n't get credit because most places say that they can not pull my credit due to a credit freeze. I was trying to get my free credit report on line but because there is a Credit Freeze, I was not able to get any of the reports online. I try to contact all XXXX bureaus but non offer an online or telephone call to remove the CREDIT FREEZE, please help, they are killing me with denials due to unable to see my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called and discussed the problem with a represenative and they told me that I could not dispute them they will fall off in 2 years. I kept explaining that they are unauthorized and he just said wait 2 years. He then put XXXX a supervisor and the phone and she could not understand me and I could not understand her

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm a XXXX XXXX veteran, I applied for a modification to keep my home in which the VA is the gauranter. I feel they turn me down unfairly, I feel they did n't even try. They reveal to me that they went by a scale to determine my financial ability which I do n't think they considerd the details of my modification. Can I request your assistance with this matter? This is my XXXX home an I want to keep it but, I do n't feel I 'm getting a fair chance. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have contact XXXX to remove my charge off due to mistakes. They agree to remove the charge from my account but then Equifax reinstate the charge off to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WESTERN UNION COMPANY, THE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX has made and error and now XXXX is missing and ca n't be accounted for .. have been working with them XXXX but now they will not return my calls ..

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( XXXX ) had put on my credit reports that I owed the XXXX {$6600.00}. 
The company that took over the XXXX, known as XXXX ( XXXX ), attempted to double-bill me for rent on four occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on one occasion. On 12 other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately. 
In XX/XX/XXXX I was told by Equifax that the dispute of the information from XXXX had been completed, and that this information had been deleted from my Credit Report. In XX/XX/XXXX, while applying for credit, I was informed that my Credit Report had a large negative item on it. I requested and received a Credit Report from XXXX, and discovered that the information from XXXX had been added back into my account, and dated as being reported on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 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: Personal information incorrect

Complaint: Experian is listing an incorrect address. Someone is trying to open accounts in my name fradulently. Experian would not let me dispute the information online, and when I called they are closed. 


EXPERIAN has a New Address on your Credit Report. 
A company has updated the address listed on your credit report. 
ALERT DETAILS Alert Date XXXX XXXX, 2017 Source EXPERIAN Address XXXX XXXX XXXX XXXX XXXX, WA 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 07/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: APR or interest rate

Complaint: I have a Capital One credit card. I paid off my entire monthly balance prior to the due date, yet I was hit with an interest charge. The company said it was practice for interest to be charged unless the card balance was paid off for two consecutive months. It does n't seem appropriate to be charged interest on top of prior principal and interest after the card was paid off during the current cycle.

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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (OR).
Issue: Credit decision / Underwriting

Complaint: Post card solicitation to refinance our 3.5 % FHA mortgage from Freedom Mortgage. Offer is for a " FIXED '' rate 3.875 % that will reduce payment " {$70.00} per month, with " NO POINTS '' " NO LENDER FEES '', although the APR is 4.586 %. YOUR PAYMENT WILL BE HIGHER on back of post card, while on the front " Close in XXXX & Your New LOWER Payment is not Due 'til XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: In correspondence datedXX/XX/XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, this company is claiming that the items I disputed have been verified ACCURATE and CORRECT which is not true. The XXXX account is fraudulent sent XXXX a copy of my FTC AFFIDAVIT, NOTARIZED, a police report filed my XXXX and letters requesting the account to be removed and blocked. XXXX 's confirmed that they received all these documents lastXX/XX/XXXXand still is under investigation. So why claim that this item has been verified, correct and accurate??? Not removing this item is a direct violation of FCRA 605B. For the XXXX XXXX account, Sent them a debt validation request, same date. Instead of sending me validation documents, they sent me a collection letter asking me to pay an amount that has already been paid. THESE ARE VIOLATIONS of FCRA and FDCPA by the credit repositories and the creditors. My rights to fairly acquire credit has been taken away by these companies!

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I opened a account with Union bank and they put a hold on all my funds and refuse to release them or give me any information on whats going on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation