milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2016 about Credit reporting () with On-Site Manager, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX at XXXX XXXX apartment complex filed for eviction, placed the account for collection and filed a judgment against me in XX/XX/XXXX. In XX/XX/XXXX, I appeared in court to answer the charges and the case was dismissed with prejudice in my favor. Although the collection agency and credit bureaus honored the dismissal order and removed the collection account from all XXXX bureaus, unfortunately this case is still part of public record ; consequently, the rental application I submitted to XXXX XXXX XXXX in XXXX XXXX, CA 3 days ago was denied based on that public record. I then contacted 'On Site ' who does the credit and background investigations for XXXX XXXX and submitted the dismissal order as requested, but they are saying they can not update their report for this application or future ones because the case number on the public record does not match or appear on the dismissal order, however, all other identifying information is identical. I then contacted XXXX XXXX and was told to contact XXXX XXXX to have the item deleted, however, XXXX XXXX stated this item does not appear on their records, therefore, they can not assist with this matter either. It seems the only record of this is the case is the public record filing and everyone is saying it is not their responsibility to correct it. The debt was invalid from start which is why the case was dismissed with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Shopping for a loan or lease

Complaint: I applied for a loan at springleaf finance and received an email that I was approved for {$5000.00}. Per the email approval it was only dependent in employment verification, income verification and identity. 
I delivered everything they asked for then was told I was denied based on credit. The email they sent was deceptive. As obviously they was some other criteria it was dependent upon. I am happy to provide the email approval and the other they email they sent stating it was based on credit. 
They were specific in their approval letter and I was denied based on something else. I find their actions deception and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Around XXXX in 2011 my account was reported for fraud i went through the process with u guys and everything the account went into investigation and the fees were paid out every thing was settled you guys closed the account and stated i couldnt get an account with BANK OF AMERICA at the moment but could with other banks. Later on the following year i was mailed a check to cash for XXXX that was what i had left i guess. So now im not understanding why cant i get an account with anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XX/XX/XXXX XXXX called my job requesting a payment I ( XXXX XXXX ) explain to him I did n't have it at the time he then proceed to ask me about my husband acct stating that he was past due and needed a payment as well. I told him I would give him he message he said why you ca n't pay it he paid yours. I told him that 's not my loan and he should not be discussing his info with me. On XX/XX/XXXX I receive another call at from Tower Loan he said his name was XXXX demanding a payment I told him I spoke w/XXXX on yesterday and explain I want have the money till the XX/XX/XXXX. XXXX  said we need it before then I told him I understand but I do n't have the funds right now but I would try my best to get in but I know for sure I would have it on the XX/XX/XXXX. So as I promise the payment was paid by the XX/XX/XXXX. On the XX/XX/XXXX I  called Tower Loan on XXXX XXXX XXXX XXXX XXXX MS XXXX and spoke with XXXX to let him know I would be in on the XX/XX/XXXX of this mth to make a payment he then proceeding to say that is to late we need a payment by the XX/XX/XXXX and then he asked why my husband have n't paid on his acct I told him that he was inviolation of his privacy and should n't be discussing his acct with me he response was your his wife it do n't matter I told him it does matter and not to discuss his business. On the same date XXXX visited my home and left a collection letter on our vehicle and door after speaking with me on the phone earlier that day.On the XX/XX/XXXX XXXX called me at work about payment again I told him I told you I want have it till the XX/XX/XXXX he stated if you going to have It on the XX/XX/XXXX you have it now I asked him if I could call him back he said no I said I have a customer and hung the phone up customer .XXXX called my job right back and said we need that payment today I said do n't call me at work any more I am busy and hung up the phone XXXX called right back and asked an employee for the garnishment number which was given to him. Then XXXX called back again to try to speak with me and I disconnected the phone call. I have been harassed constanly on my job and my home my privacy has been violated and I have been threaten. The employees at Tower Loan XXXX XXXX XXXX XXXX XXXX MS XXXX are rude disrespectful not to mention very unprofessional .They have embarrassed me on my job with multiple calls after been asked several time not to contact me at wrk.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, I have some state tax liens on my Experian credit report that need to be removed. I contacted franchise tax board in order to remove these from credit file, I was told I need to contact the credit bureau in order to remove these liens. So I contacted the Experian to dispute the errors, after I received the dispute result, I noticed the errors are still there and they are refusing to remove them from my credit file. This has caused hardship to me. Thank you for your help.

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 08-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: FedLoan, a company that " manages '' student loan repayment, has consistently made errors in processing my account and paperwork. I consolidated my loans two years ago and set up IBR and direct debit. I have a considerable amount in student loans ( over {$80000.00} ) and wanted to take advantage of the great new loan repayment options. Every year, I have to submit an updated application and my taxes to calculate the IBR. I did so in XX/XX/XXXX. In XX/XX/XXXX, I received messages that I did not submit my paperwork and my payments would go from {$150.00} to over {$900.00}. I contacted the company immediately and was told that I did n't submit anything. I asked them to look again and they found it. It had been there all along. It was complete and ready to be processed. I sent in the paperwork early because I my job was going to be changing in the summer and I did n't want to have anything else to worry about. My options for correcting their mistakes ( which apparently was on me and not them ) were to go into collections or put my loans into deferment ( with accruing interest ) until they could resolve the issue. I asked the customer service rep if it sounds like I am being penalized for their mistake and her response was " yes. '' I also submitted a public service loan forgiveness ( PSLF ) form in XX/XX/XXXX. It came up on my account, but when I called and asked why payments were n't going toward that program, I was told that they did n't have my paperwork. I asked if I had to resubmit it every year and the customer service rep said no, but I should send another one anyway. I sent it in and it was rejected for not having complete information. As far as I can tell, everything was complete and correct. Now I have to resubmit the form for the THIRD time in TWO years. If I were this incompetent in my workplace, I 'd never get a job again.
Fast forward to XX/XX/XXXX. My first recalculated IBR payment is taken from my bank account. I knew it was coming and was prepared. Then I started getting emails that I had n't made any payments and my accounts were delinquent. I called the company and after a very frustrating phone call, I learned that when my loans were put back into repayment through direct debit, they forgot to include one. I went in and fixed it, but once again, mistakes on their part become my responsibility to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: I reached out to the  Leander to try to ge t a modification and was never able to get  one

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Problem  is with Experian. Thanks to them someone with my same name who stole my social security number opened a Credit Card. The person never paid it. After I submit a fraud alert and an investigation, they still kept the address of the thief, even though that address stand out from the rest which are all on the same state, except for that one.     Trying to get them on the phone is impossible. And the online options to submit additional information to clarify the problem or chat with a representative are virtually non existent.     What a nightmare.

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 05/17/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Struggling to pay mortgage

Complaint: I have been attempting to obtain a loan modification with  Caliber Home  Loans for years. I have sent them several packages with my financial information per their request. Each package is either denied or rendered not complete for very small details which could be corrected if the servicer properly gave timely notice of said missing documents.     Most recently a complete modification package was sent in   XXXX  2017   . On   XXXX   XXXX   , 2017, I co ntacted  Caliber Home  Loans to inquire as to the status of the modification package that had been sent.  XXXX , the representative who I spoke to at that time advised me that they needed updated pay stubs, bank statements, and a  XXXX  form in order to finish the review for my loan modification. When I advised  XXXX  that I could provide him with that information immediately, he told me not to bother sending it in because the foreclosure sale was set for less th an thirty-seven days  from that date. ( Foreclosure sale was set for   XXXX   XXXX   , 2017 ).  He went on to say that Caliber would not look at any of the updated information we sent and that the loan modification would be automatically denied because we were less th an thirty-seven d ays away. In other words, they refused to do anything at this point.     As a result of this information, I immediately set an emergency hearing to reset the foreclosure sale. Said motion to reset sale was granted and the new sale is  XXXX   XXXX  , 2017.      I was extremely shocked by the way Caliber has handled this. If I had not called them, they would have not notified me of the need for updated documents. Additionally, refusing to consider me for a modification because we were out less t han thirty-seven  days prior to the sale is not only unethical and against standard practice, but also against the final judgment in this foreclosure case. Among the stipulations in the final judgment of foreclosure in this matter is that I be considered for a modification while I am the title owner of the home.     I have been extremely prejudiced by Calibers handling of this not only for past conduct but also because I had to resort to setting a hearing court to have my foreclosure sale date reset. Generally courts are very discretionary on granting these motions, yet I was forced to request a reset of the sale before it was timely only so   Caliber   would finish processing my loan modification paperwork. I am not asking for much, just simply that Caliber provide me with a trial payment plan so I can be given the opportunity to make mortgage payments and save my family home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I lost my job back in XXXX of 2015 I have been looking for work but I am also a single full time father of XXXX children. I have been paying my bills though they may be late they are all getting paid. Navient who handles my private loans every time I speak to them and I think something is resolved I get a phone call 20 days later and they tell me things are late and payments have not been made. This month I have now spoke to XXXX different people. including XXXX supervisors. XXXX supervisors also gave me XXXX different answers. The XXXX phone representatives gave different answers. I am trying to keep everything from being 30 days over due. I have had XXXX people say they were reapplying payments XXXX of which was a supervisors after I spoke to the first supervisor he assured me things were caught up and handled. Today I spoke to a different supervisor and he tells me my account is past due including an amount from XXXX 2015. When I asked him to pull the phone records he refused at this point I became upset and requested them and said I had to go through court. When I again proceeded to tell him then go back and check the phone records from his previous supervisor he refused and I called him incompetent he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Countrywide Bank, now owned by Bank of America, did not provide ANY answers to my request for a loan modification in writing. The only resolution was done by phone and the employee told me several different answers as to the status of the loan modification. ( anything from " Yes, the modification was approved '' to " the modification is being reviewed and to check back with them in a couple of months. '' Employees that no longer work at Bank of America have stated, " The unilateral ploy to answer customers is to provide stall tactics. " ) Countrywide Bank is the originators of the loan, and I am claiming that they conducted themselves with predatory loan practices by artificially inflating the loan to benefit Countrywide Bank. 
The loan value depicted the value of the home, and it led me to believe that if Countrywide Bank would loan me the money for the home, then the home must be valued correctly, to the value that Countrywide Bank placed on the home at XXXX XXXX XXXX XXXX XXXX, CA XXXX, at the time of the mortgage. If the bank will loan me the money for the home, then great, they have a lot more tools and a lot more resources to identify what the true value of the home is. 
Following this valuation from Countrywide bank, the true value of the home was discovered by the real estate market to be much lower. The original loan amount was for approximately {$580000.00} USD, and the true value was found to be approximately {$250000.00} USD, Countrywide Bank artificially and intentionally, inflated the value of the home so that Countrywide Bank would be solely benefited, without assuming any of the risk or attempting to correctly value the home with the necessary resources that was available to Countrywide Bank at the time of the loan. 
By Countrywide bank and the new owners " Bank of America '' using stall tactics and other means to not move forward with a mortgage modification or some other resolution, they have placed me in a position of very few options and none of them that are offered will have me remaining in the home. Now the options are a " Short sale '' or " deed in Lieu '' or foreclosure, and the loan modification that was offered places the value of the home approximately {$800000.00} USD, which is no where near the true value of the home. 
Bank of America needs to establish a true value of the home, and since it is their fault for not providing a suitable loan modification so that I could remain in my home, and this will cause me to be homeless. I have no good options to place me in a home with even half of the square footage, and I claim that Bank of America should have criminal charges filed on them for Predatory Lending, and any other laws that they have broken with this mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX XXXX, I called XXXX XXXX. to inquire about an offer I received in mail. I was ONLY inquiring. The sales rep asked for my social security number, and I immediately said, I'im not giving you my S.S. number because I do not want my credit report run at this time. I am only inquiring about your package. I have XXXX and was just checking to see if I can get a better deal for the money, and what was the catch with getting " same amount per month, no price increase for 2 yrs. Then he said OK no problem, just give me your name and address to to if we can have service in that area. After all as said and done, I found out I had to switch to XXXX XXXX XXXX phone service. I said thank you for your time, but i 'm not switching any phone service. Now, how they do it, I do n't know, but, the next day I get a notification that another Credit Inquiry went on my credit report with Equifax. I 've called about 20 people from XXXX and have names, ID # s, etc, and they all swore to me that they were gon na have it taken off my credit report ( s ). To date, they did nothing. I sent a letter, certified to XXXX XXXX and still, nothing has been done. I was told by an Equifax rep that XXXX XXXX needs to take that inquiry off their Data Base, otherwise, it automatically generates on Credit profile. Which is hurting my credit scores. Please help me get this off, so I do n't have to file Fraud charges against this salesperson for illegally getting into my credit report. I do n't know what info of mine he took from me, if any. Thank you, XXXX, N.C. XXXX / EMAIL ADDRESS ... .XXXX Please respond ASAP either via postal mail or email. P.S. I just read the bottom statement but do n't have picture of credit report to upload, buts it on Equifax. I can give you any info you may need to get it directly.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened this account in XX/XX/XXXX with XXXX, in the amount of {$3600.00} this account is now showing up with another lender ( XXXX XXXX ) I have not had any contact or activity on this account with anyone from XXXX since at least XX/XX/XXXX ( best guess ). I have not signed any new papers or taken any new loans with either XXXX or XXXX, XXXX. This needs to be 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 04-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been able to repay my student loans. I have been unable to work for the last two years. I am currently waiting for a " XXXX '' from the VA. I have used all forbearance 's and would like a repay as you work loan, but have never been offered one from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Money transfers (International money transfer) with CITIBANK, N.A. (NY).
Issue: Wrong amount charged or received

Complaint: I sent money to my mother 's account, from XXXX to XXXX, and she never received it. This happened more than 2 months ago and Citi Bank still " ca n't find my money '' and is not giving my money back.

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 11-02-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have tried to dispute this debt with this company for the last 5 months. This company has failed to send me any validation letter, they refused to send me a 30 day letter. they refused to dispute this account even when I disputed with the credit reporting agency. They have this account listed under my credit report under Syndicated Office Systems & XXXX XXXX. They are rude. When I disputed in writing with them, then they started sending me letters that I owed the bill. I have called them in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to dispute the bill, at all times they will tell me oh sorry I see suppose to be dispute do n't know why not in the dispute department, they refused at first tell me who the medical company was. I have been going back and forth with this. They will tell me oh you need to call XXXX and today they told me call another number in their company. Im frustrated they keep bringing down my credit score and reporting it each month like I have taken out credit with them. Something needs to be done I feel they have violated my federal rights and something needs to be done.

Company response to consumer: Closed with explanation