milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2017 about Mortgage (FHA mortgage) with AMERICAN NEIGHBORHOOD MORTGAGE (DC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On or around XX/XX/XXXX, during the application process the mortgage originator asked me why I had been out of work and I responded " due to medical reasons ''. He probed further and I explained that I have a XXXX. He then went on to ask me what my XXXX was and I explained that I am being treated for XXXX and XXXX. He then asked if I have any supporting documentation to prove that I am indeed XXXX? I explained that I could get a letter my my doctor and I am also willing to write a letter and provide any other requested documentation. My FHA loan was then denied. I was told that the reason was because I had not been on my job long enough, however, I had discussed the possibility if changing jobs with one of the mortgage originators and was told that it would not affect me as long as I did not switch jobs during closing. I also told XXXX XXXX that I had received the go ahead from the referring loan originator that I had just changed jobs and I had been assured that it would not affect my application. I believe that knowledge of my XXXX influence the loan decision resulting in a denial of my FHA funding. This situation has caused me a great deal of emotional distress, it has affected my ability to purchase the home, which will effect me financially and emotionally, especially due to the fact that I have been renting in the same high crime area since XX/XX/XXXX and I am feeling trapped and I have now lost the opportunity to purchase an affordable home due to the fact that my XXXX was used to discriminate against me and deny my loan. I also believe the fact that I am a single one income female coupled with a XXXX led to the denial. XXXX XXXX then had me apply for a conventional loan, which was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 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: I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS PLACED IN MY NAMES WITHOUT MY CONSENT. I GAVE NO ONE CONSENT TO OPEN THESE ACCOUNTS. HERE IS A LIST OF THE FRAUDULENT ACCOUNTS AND THE CONTACT PERSON AT EACH COMPANY. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. EACH COMPANY AND THE PERSON I SPOKE TO. I ATTACHED MY POLICE REPORT ALSO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : Equifax and XXXX  Report Date : XX/XX/2018 Collector : XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. 
XXXX XXXX XXXX XXXX Creditor : XXXX XXXX, XXXX. XXXX  XXXX Account XXXX. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, XXXX Solutions. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations XXXX is obligated to abide by and my own conversations with Navient regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. 

The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the XXXX XXXX XXXX XXXX, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. 

Despite this XXXX XXXX continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with XXXX their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the Navient representative was being intentionally vague and deceitful. 

A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as XXXX as XXXX with no negative comments. The XXXX XXXX account numbers are Identical to the XXXX Solutions account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as XXXX is reporting. I have done a bit of research on XXXX XXXX and it appears that they have a history of bad faith dealings with their account holders. 

I appreciate any help I can get with this problem. 

I am attaching to this complaint the pertinent documentation, which includes XX/XX/2018 reports from Equifax and XXXX  and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the XXXX XXXX XXXXXXXX receipt of the application including the date submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have tried to work with Navient on the following issues : 1 ) The name on the loan, I am the parent and my name is on the loan. Both my son and I have tried to get this corrected for over 10 years and the information is still not updated. So I have been forced to carry this loan in my name and on my credit report. The second and most frustrating issue is that Navient will not allow us to pay this loan off without paying the interest for the entire loan in advance. Navient said that they will not allow us to pay additional amounts on the principal of the loan so to date we have paid {$14000.00} of interest on a {$35000.00} loan. When I call I am only offered forbearance which will only extend this loan. I am XXXX years old and at this rate I will die before paying off this loan. And finally my loan has been sold several times and each time payments were lost and I am not confident that the repayments were directed to the new owner.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have some medical bills that was sent to collection due to non-payment as my employment ended/changed. I needed time to get back my feet. The last month I had paid what I owed based on what was showing on my credit history. I paid the balance off and last Friday I received another notification about another medical bill. I was trying to obtain some information and the lady that I was speaking with was very rude and unprofessional. She was very combative and would not allow me to speak. I was getting frustrated because of the way I was treated. I ended the call as I was not being treated with respect.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This account was sent to collection without my knowledge and do n't even have any idea of the company name.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (SC).
Issue: Fraud or scam

Complaint: On XXXX/XXXX/15 I went to the XXXX XXXX XXXX and download the venmo app so that a friend could send me money. after I downloaded the app I link my XXXX XXXX XXXX account to the venmo account and successfully verified it by following the venmo procedures. To do this Venmo deposited {$0.00} and {$0.00} into my bank and withdraw it back out. So I transfer the {$250.00} my friend had sent me to my bank. venmo even sent me a notice saying my transfer was complete and the funds would arrive on the XXXX. The next day I look at venmo and see a notice saying my transfer had been cancelled and that the funds have been returned to my venmo but my balance was still XXXX dollars. The funds were n't in my bank either. So I wait to the XXXX to see if they would show up in my bank and they did n't. since then I 've sent about XXXX emails to XXXXXXXXXXXX and spent 10 days scouring the internet trying to find a number for this company. Instead I find a whole bunch of people who have been robbed and scammed out of their money just like me. I found these people on gethuman.com and on the venmo XXXX page. Some lost thousands some lost hundreds. I 'm attaching screenshots to prove everything I say but these are just a few others out of hundreds I found. Also I found another app square cash that 's also owned by paypal just like venmo and both companies are robbin people XXXX. I did eventually find a number XXXX and I left XXXX voicemails since Monday but no one has called me back and no one has responded to my emails except for the automated system saying that they receive my complaint and will check into it. I did get XXXX response say my account needed attention from another teen but they could n't provide me any more information. I just want my {$250.00} set to my bank.

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 05/23/2017 about Debt collection (Medical debt) with Financial Corporation of America (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: My name is   XXXX   XXXX   and the debt I incurred with   XXXX   XXXX   was discharged through my Chapter  XXXX  bankruptcy  XX/XX/XXXX . My attorney 's office  XXXX   XXXX  contacted the billing Supervisor at   XXXX   XXXX   and she in turn told him the account was flagged and no more phone calls would be made. Well the account was sold to Financial Corporation of America now they are sending me letters threatening to put this old discharged amount on my credit report. I called on  XX/XX/XXXX  and spoke to a  XXXX  gave her my attorney 's information and asked her do not call or send me anymore letters or try to put this on my credit report. Please contact Financial Corporation of America  XXXX  and ask then to STOP harassing me about a debt that has been legall y discharged. I have all emails as proof, I also have my petition paperwor k from my attorney and the discharge if needed.     Thank You,

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 08/24/2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a 120 day delinquency from 2008 on my credit report with my previous mortgage provider that i 'm unable to have removed.

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 04-12-2016 about Debt collection (Medical) with Medical Business Bureau (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: the XXXX as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would like to dispute the account that  XXXX   XXXX   XXXX  #  XXXX  has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus for  XXXX   XXXX  as 100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit R eporting Act, 15 U.S .C. 1681. This account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to contact  XXXX   XXXX .   Thank you in advance

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 10/31/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax inappropriately shared my credit report with XXXX. 

XXXX charged me a {$100.00} deposit to not have my credit report pulled when setting up service with them. 
I paid the {$100.00} deposit to XXXX. 
XXXX requested my credit report from Equifax on XXXX XXXX, 2015, without my permission or authorization. 
Equifax provided my credit report to XXXX. 
I contacted XXXX to have this fixed. 
XXXX referred me to Equifax. 
Equifax said it is a matter of factual record that they gave XXXX my report. 
Equifax refused to remove this inquiry from my credit report. 

My credit score and report at Equifax are being negatively impacted, due to their innappropriate release of my credit report. 

XXXX still has my deposit money.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: I 've been having continuing problems with calling the Sears mastercard for making a payment. The goal appears to be to cause me to fail to make a payment so that they can charge me a late fee. Well it happened. On XX/XX/XXXX, I called to make a payment ( {$340.00} ). It would n't ask me for my account number and when it asked me if I wanted to make the payment with this routing number and that account number it used my routing number for my account number. I called them and complained and they said there was something wrong with their system and wanted me to give them my routing number and account number, I refused fearing credit card fraud - I normally only give those numbers when using an automated system. I told them I 'm tired of Sears making it so difficult for me to make payments and that I would write the CFPB and complian. The call ends. I call the automated system to see if I would be able to make a payment. This time it asks for my account number. Nearly every day, I check my checking account to see if the money was taken. On XX/XX/XXXX or XX/XX/XXXX I called Sears Mastercard to see what the automated system would say my balance is and it said thanks for my payment of {$340.00} and that there was no payment due. On Friday ( XXXX XXXX ) the money ( {$340.00} ) still was n't taken from my checking account. 

I call the company ( Sears Mastercard ) and I 'm routed to Citibank for collections. They say I 'm 4 days past due and that there 's a {$29.00} late fee. I complain that Sears is intentionally not taking my money in order to collect {$29.00} without providing any product or service. They deny it and say I eneterd the " check '' numbers incorrectly when I call to make a payment. They have it set up in order to create as much work as possible for their credit card holders - they wo n't accept payment by debit card. Paying by debit card you can see nearly instantly if the money was taken. Paying by routing/account numbers it can take as long as 5 days for the money to be taken, easily taking people past their due date - easily creating {$29.00} late fee for sears for providing no service and no product. 

They hang up. I call again, make the same accusation. I told them to remove the late fee or I would close the account. They ( employee XXXX ) said they would remove the {$29.00} late fee and I have to give the person ( XXXX ) my routing / account numbers. So I assume i was n't charged {$29.00}, what will happen next month may be different. But at this time I 'm more concerned about this happening again. 

I want to be able to pay by debit card so I can see right away that they took the money, otherwise I want to close the account. And I need help finding a credit card where I can pay by debit card. I looked online but such information is not organized. 

Thanks, XXXX 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 monetary relief
Consumer complaint received 11-05-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (CO).
Issue: Credit decision / Underwriting

Complaint: When my wife and I first entered into mortgage loan with HSBC, they guaranteed that we could review and get better rate when available. We had some issues with payments early on but for past 16 months have been timely on our payments and in accordance with their requested cashier payment and monthly payment thereafter. It has been almost 2 years, and they refuse to correct late or overdue fees and will not redo our loan at a competitive rate based on todays mortgage 's. In addition, since they will not correct their records concerning late fees, our credit report with all XXXX agencies have prevented other options to get a new loan elsewhere. The HSBC/HFC local office closed down right after we got our loan and we can not get anyone via XXXX # to understand and tell us what needs to be done to get this mortgage corrected and position for new loan at less than their current XXXX % loan. We have documentation concerning payments and requests to correct issues. Attaching original cashier payment request and following payment. We have current documentation for all payments since the XXXX/XXXX/2013 Notice to Cure Request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: They set up a profile with my incorrect name and email and are refusing to fix the problem so I can get help with repayment options. I 've tried to get my payments reduced due to hardships and they never sent out correspondence paperwork I was needing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.

Company response to consumer: Closed
Consumer complaint received 01-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MT).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I attended XXXX XXXX XXXX for XXXX. I graduated in XX/XX/XXXX. I am currently XXXX, my term began in XX/XX/XXXX and end XXXX. Part of the deal of being an XXXX is you are entitled to student loan forbearance during your term. I have an account with XXXX XXXX/Navient to which I submitted the standard formal forbearance request/notice to every address I could find and it has been denied. As you may know XXXX make a VERY modest living stipend, just enough to get by and we can not afford to pay our student loans on such an income. The XXXX forbearance is essential to the position and is one of the reason ppl accept such low income for hard work. XXXX XXXX has refused my forbearance despite many attempts. When I spoke with someone on the phone they were very rude and said they 'd never heard of XXXX. How a major student loan company has never heard of XXXX blows my mind and comes across as purposeful. Since that call they have been calling me and my mother XXXX times a day between the hours of XXXX and XXXX and emailing me frequently. The most recent email seemed to posit that the account was now being handled by a collections agency. The account was not in collections before I started my XXXX term and now is because the wo n't accept what I understand to be a mandatory forbearance. PLEASE HELP. I can not afford to pay this loan while in service, doing so would leave me with literally nothing after rent and bills.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Medical) with Receivable Solutions, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I sent Receivable Solutions letter within 30 days disputing this debt and they still reported to all XXXX credit bureaus after I sent letter. Also, I wanted them provide proof that they have been given right to collect the debt by the original creditor. Per FCRA, if all these accounts are not deleted with all XXXX credit bureaus I have no choice but to pursue legal action and file a lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found a late payment for XXXX 2017 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation