milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthouses, XXXX and XXXX XXXX, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. XXXX still reports XXXX. Experian still reports XXXX. XXXX still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.

I have disputed this information with the three credit bureaus and they have not removed the incorrect information.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was part of the Equifax leak of sensitive, personal financial information. 

Confirmed by using https : //www.equifaxsecurity2017.comXXXX on X/X/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Medical) with CDI Affiliated Services, Inc. (ID).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Items noted in collections with CBP Affiliated services were never corresponded to myself prior to collections. No contract was made with said company, no billing statements or notices were ever received by reported creditor. No balance or amount owed was ever provided by the creditor. No communication attempts were made by the creditor. I can not acknowledge or verify the validity of any portion of any collection attempting to be obtained by the creditor.

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

Complaint: Hello, I was alerted of a wide scale breach of Equifax 's consumer information database XXXX XXXX, 2017. I visited a website created by Equifax and was informed that my personally identifiable information has been compromised. I have placed a 90 day hold on my credit reports. Equifax has an obligation to protect my information and has failed to do so. Further, Equifax has offered to provide free identity and credit monitoring service to all U.S. consumers, but only if the consumer agrees to waive their right to class action lawsuit. I find this practice to be deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX -- -- Caller ID noted this companies number at no time have there been any messages left. The caller ID noted " Synchrony ''. We work so we never knew who the company was as we were not home for the call. Saturday XXXX I had been woken up by a call from this company they were recording as I could hear beeps intermittently yet I was not told that this was occurring. The call was not for me but for my daughter who has not lived at this address in over 2 years. I related that information, they then began to ask for her contact information. I stated that I would not disclose any information until I knew who was calling and why. The person tone became angry and stated it was a personal matter and would not disclose the type of company or why they were. After the call I contacted my daughter, she said she has been in contact with them and that she had made a payment but could not pay the full amount so she was late. My daughter seemed distressed and stated that they have her number and they have been harassing her, even after she had been in contact. I do not approve of people phoning my home over and over leaving no messages and becoming belligerent when there is nothing I can do, as this matter does not pertain to me or anyone living in my household. These people need to be regulated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We Continue having a credit reporting issue, from all credit agenc y Trans Union,  XXXX ,  XXXX . Reporting that we still have an auto loan from   XXXX   XXXX   XXXX    XXXX    that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.

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 04-01-2016 about Mortgage (Other mortgage) with American Mortgage Services,  Inc (FL).
Issue: Application, originator, mortgage broker

Complaint: AMERICAN MORTGAGE made a hard inquire on my to all three credit reporting agencies : XXXX - XXXX, XXXX - XXXX, and XXXX - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is AMERICAN MORTGAGE hurting my ability to move '' and making unauthorized hard pulls?

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Settlement process and costs

Complaint: I was told I can qualify into re-financing my loan since I was months in advance in my payments. Wells Fargo Bank N.A . did not allow me to modify my loan nor did they allow me to do a reverse mortgage with Private Bank ... Wells Fargo Bank filed a foreclosure with fraudulent note ... knowing that the endorsement was created by one the attorney XXXX XXXX who works in the firm of XXXX XXXX XXXX, claiming to be vice president of XXXX ( XXXX XXXX Circuit Court No. XXXX ... Wells Fargo Bank N.A . entered into a XXXX XXXX in XXXX & XXXX allowing borrowers to stay in there homes in which I have lived for 32 years. They are not complying to the Consent Order. Illinois Appellate No. XXXX ... in which they stated they do not have to enforce a federal judgment order ... .Illinois Attorney General Office also received my complaint about the XXXX XXXX Judges not willing to enforce the Federal Consent Order ... in which I still have not gotten a complete response, as to why the Courts refuse to enforce .... The loan originated with XXXX which the bank continue to make withdrawals from my account after the note was endorsed and transferred to 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 01/26/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed with Equifax XX/XX/XXXX, XXXX XXXX account is not accurate and is not a debt I owe. They investigated and acct deleted XX/XX/XXXX, now, the account for XXXX has been reinserted again. Equifax is not following FCRA procedures and has gone against the law. I have called Equifax this morning on XX/XX/XXXX, and filied a complaint over the phone. I want Equifax to permanently delete the XXXX account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a home owners warranty in XXXX 2015 when I bought my home. I had a plumbing issue, a plumber from the warranty company came out and the man was so rude to my wife and inappropriate and kept telling her why he could not fix the problem my wife asked him to leave the home. he slammed the storm door in her face. She called the warranty company as well as the plumbing company and complained. We hired our own plumber to come in and repair the issue ( bill attached ) which we paid. XXXX XXXX still sent me a bill for the plumber they sent who was asked to leave. Every time they sent the bill I sent it back with an explanation. Now it has been referred to a collections company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am on a repayment plan that requires me to renew my loan every 6 months. I began calling in XX/XX/XXXX to renew my rate reduction plan. I called a total of 3 times and each time was directed to call back later in the month, or the following month. The last time I called, which was in the beginning of XX/XX/2018, I was told I did not have a payment due in XX/XX/XXXX. I was told then to call back again in XX/XX/XXXX to renew my rate reduction plan. 

In the beginning of XX/XX/XXXX, I began receiving calls from Navient ( but they never left a message, so I didnt realize my loan was past due ). On Friday XX/XX/XXXX I logged on to the Navient website to download my tax form and saw that my loan was past due which didn't make any sense since I was told I didn't have a payment due in XX/XX/XXXX. 

I spoke to Navient today, and I was given two options : I could go into forbearance for the last payment, or I could pay the past due amount today. Since I live paycheck to paycheck due to my large amount of school loan payments, the previously allocated payment money went towards other expenses. 

I don't think I should have to pay extra capitalized interest on a mistake that was not mine. I made several attempts to keep my account in good standing and to renew my payment plan. I have not missed any payments or paid late in several years. I'm doing my part.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I filed a complaint with the CFPB on 2 factor authentication problems. At this point I am completely locked out of my accounts with no way to access anything from the website. So this is a new problem and is much worse than the earlier one.

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 09/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I APPLIED FOR A LOAN MODIFICATION ON MY INVESTMENT PROPERTY OWNED BY XXXX XXXX. I WAS DENIED BECAUSE " YOU DO NOT LIVE IN THE PROPERTY AS YOUR PRIMARY RESIDENCE ''. XXXX XXXX OFFERS LOAN MODIFICATIONS FOR NON-OWNER OCCUPIED PROPERTIES. ADDITIONALLY, I HAVE BEEN LATE EVERY MONTH IN MAKING MY PAYMENTS BECAUSE I CA N'T KEEP UP BUT AM TRYING MY BEST NOT TO GET FORECLOSED ON. 
Mortgage and Borrower EligibilityEligible Property TypesThe following property types are eligible for the Standard Modification : Owner- or nonowner-occupied properties. ( i.e., primary residences, investment properties, or second homes ). 
Vacant properties, but can not be condemned. 
Eligible MortgagesThe following mortgages are eligible for the Standard Modification : XXXX-lien mortgages owned, guaranteed, or securitized by XXXX XXXX. 
Mortgages originated at least 12 months prior to the evaluation date for the modification. 
Mortgages may be previously modified, but not more than twice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Through nelnet, I tried to lower my monthly payments significantly due to my income. Orginally, my loan payment was almost {$800.00}. I also have private loans where my loan payment is {$900.00} a month and I could not pay either. I asked them to put me through a process to see if I can lower my monthly payments. I was put on foreberance for a month while they looked it over. I told them I needed more time than a month they said that 's all they could do. I also asked them if they could give me a general idea of what my new loan payment would be and they said {$150.00} due to my income. It took them over a month to process all my information. In the end they made my new payment {$300.00}. Something I still can not pay every month. I 'm now 60 days late. I either catch up on navinet or not pay my private loans. I constantly have to choose between XXXX or the other. I 'm so in debt I ca n't even live my life. I work XXXX jobs now and I 'm not able to get by. I tried to reach out to nelnet to see if they can help me out and they said there is not much they could do. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Several inquiries deleted and reinserted, customer service would not help take care of the negative inquiries reporting to my Trans Union credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Complaint XXXX of XXXX with Shellpoint Mortgage. 
Again another account in which a misapplied payment has led to a foreclosure action. 
I would strongly encourage the CFBP to audit Shellpoint Mortgage. I am also getting calls from mortgage clients that have similiar issues. My office is in XXXX Ohio which has a population less then XXXX. This company has very aggressive collection efforts and flawed software and could pose a risk to injure a lot of consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: i called ccs to pay the balance of {$150.00} they told me they no longer have authority to collect and it was sent back to XXXX. I called XXXX and paid in full. Its been a week since payment and its still listed on my credit report as a open collection with a balance of XXXX I would like this removed since they no longer have authority to collect this and its been paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Struggling to pay mortgage

Complaint: I had a mortgage loan with Litton loan servicing I fell behind on my payments and was given a loan modification. What I did not realize is XXXX added XXXX to my loan balance in fees for the modification. Ocwen brought my loan and I did fine until I had some life threatening health issues, which caused me to fall behind on my payments. After being threatened with foreclosure I decided to sell my home. I 've been asking for a payoff amount for a few months. I was told to refer to the princable amount listed on the website. After entering into a contract with a buyer I was told the payoff amout is an additional XXXX dollars. The amount on the web site states XXXX. What recourse do I have to stop from paying these bogus fees.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Sent them several disputes regarding this matter. I keep getting the same response. " Inquires are a factual record. If you feel this is fraud contact the creditors. I have contacted the creditors also and get told I have to have Equifax remove them. They have since locked me out of the online dispute process stating my information does not match. I 'm 100 % sure my information matches. I then faxed them a new dispute with an intent to file suit letter and they have ignored that also.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent commonwealth financial a debt validation in the mail and fax on XX/XX/2015, its been over 30 days, they never responded with doscumentation of account, thats a violation of fcra and fdcpa i want it deleted from my XXXX credit file right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Other

Complaint: I previously filed a complaint with the CFPB and am utterly dissatisfied at the way Wells Fargo has handled it. I paid a company called XXXX XXXX a total of {$14000.00} between my Wells Fargo Visa and XXXX XXXX for services that were never provided. I have attempted to obtain a refund to no avail. Wells Fargo first denied because of the time that has passed and after complaining to the CFPB they have " respectfully declined my dispute ... ( and have ) made every reasonable attempt to help with this dispute but have been unable to get any information from the merchant ''. They further explained that I need to work my concerns out with XXXX XXXX. This company has been paid a lot of money for nothing and my bank needs to be more diligent for their customer.

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 02/23/2018 about Debt collection (I do not know) with Resurgent Capital Services L.P. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, and XXXX XXXX XXXX continue to report a fraudlent account on my credit files and continue to make threatening phone calls to my mothers home. I have requested for validation and verification but to know avail This is not my debt and they will not even send me any informaiton showing my signuatre ;

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I recently applied for credit and to my amazement, saw that you are still reporting me as being late -- even though in XX/XX/2016, a representative from Suntrust agreed I had never been late, said the fault was Suntrust 's, apologized, and assured me Suntrust would clear the errors with the credit bureaus. 

Explanation : When I purchased my home, my loan payment was {$1200.00} then it adjusted to {$1700.00} in XX/XX/2016 without notice. I never received notice that it changed. I made my payment on time each and every month, but because of the amount Suntrust accepted the payment but did not credit the account, my payments were not properly recorded. Nobody said anything about a different payment in the branch. I visit the branch and make every payment. Then to further mess things up, Suntrust put one of my payments toward extra principle balance and reported me late on top of it!

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