milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (WI).
Issue: Struggling to pay mortgage

Complaint: I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT MY FILE HAS BEEN DEEMED COMPLETE ALL REQUESTED DOCUMENTS SINCE  XXXX / XXXX /  XXXX  . I CALL WEEKLY AND NOTHING CHANGES, NO DOCUMENTS BEING REQUESTED OR ANYTHING ELSE BESIDES IN REVIEW ALL DOCUMENTS HAVE BEEN RECEIVED. I HAVE A  XXXX   XXXX  LOAN SO I WENT ON THEIR WEBSITE FOR MODIFICATIONS AND READ THAT THE LENDER HAS 30 DAYS TO ISSUE A DECISION ONCE THEY DEEM MY FILE COMPLETE AND SEND IT TO THE UNDERWRITING DEPARTMENT. I CALLED TODAY  XXXX / XXXX /  XXXX   AND WAS INFORMED THAT AS OF  XXXX / XXXX /  XXXX   A LETTER WAS SENT OUT STATING THAT MY FILE WAS DEEMED COMPLETE AS OF  XXXX / XXXX /  XXXX   WHICH IS NOT TRUE DUE TO I WAS TOLD THAT SINCE  XXXX / XXXX /  XXXX  . MY DOCUMENTS ARE VERY OUT DATED AS THEY ONLY HAVE  XXXX  AND  XXXX  DOCUMENTS. I KNOW THAT ONCE SOMEONE ACTUALLY TOUCHES MY FILE THEY ARE GOING TO START ASKING FOR DOCUMENTS AGAIN AND WHEN I ASK IF I SHOULD UPDATE THEM THEY SAY NO, THIS WILL SLOW DOWN THE PROCESS EVEN MORE. HOW CAN I GE T DITECH TO HEL P ME IF NO ONE DOES ANYTHING. THE REPRESENTATIVES THAT I SPEAK TO ARE ABSOLUTELY RUDE AND DONT CARE OR GIVE ANY CUSTOMER SERVICE. I AM JUST LOOKING FOR THIS SERVICER TO ACTUALLY DO THAT WHICH IS SERVICE MY ACCOUNT FOR MY INVESTOR WITH 100 % CUSTOMER SERVICE AND KNOWLEDGE SO I CAN TRY AND SAVE MY HOME.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been trying to get my credit report from transunion and unable to ... ..I have numerous things in dispute and the investigation should be completed by now. I tried going online but was unable to do so as a message popped up I am unable to review my credit report. I called the toll free number and was told that my report is being handled in a different department ... .I was transferred again and to the same answering machine. I left a few messages requesting my report as I want to view it and no one returns my calls and I still have not received my report. I am XXXX and on public assistance as I understand I am entitled to updated reports for free. I am also submitting this complaint about transunion as I have an account that is reporting as 30 days late with a negative remark and showing 1 missed payment. This informaiton is incorrect and I have uploaded additional supporting documention from " mandee shops '' that this incorrect information will be corrected. I checked on XXXX and as of today it is still reporting with 1 late payment. Transunion still has not corrected this account yet XXXX did correct it finally after I submitted the letter that I received directly from mandee 's shops.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

I demand the following accounts be verified or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Not reported to Transunion because prompts do not give you option to leave complaint. Called Transunion at XXXX, gave all information as requested by prompts,. After properly entering information requested such as SS #, DOB, numeric street address, zip code, IVR declines providing report because " they can not find a report based on information given ". Tried 3 times, made SURE correct info given as requested, only to end with same IVR decline and advised to submit " written request ". Credt was declined on XX/XX/2016 based on information that doe not belong to me, I was a victim of ID theft twice in the last 3 months. I have never had any business relations with sources they claim were included as part of their evaluation.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: dates from XXXX XXXX XXXX TO XXXX XXXX XXXX EQUIFAX AND XXXX CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE. I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS. EQUIFAX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL. THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX PUBLIC RECORDS 1. TX BANKRUPTCY XXXX 2. TX BANKRUPTCY XXXX 3. MO BANKRUPTCY XXXX INQUIRIES ARE THE INQURIES THAT I DISPUTED. I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Medical) with Collection Information Bureau, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX collections are from the medical field.I have contacted my insurance company to find none of these claims were filed correctly I have XXXX ( national association of letter carriers ) and my wife has medicare all these were for her treatment not mine. Her primary insurance is medicare XXXX XXXX. These companies representing collections is incorrect information Medical companies do not know how to bill. the largest amount is XXXX which was an ambulance ride for my wife medicare pays full amount we owe all XXXX collections are inaccurate filed incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been a victim of credit fraud. I have requested under FDRC act to obtain proof that I gave authorization for credit inquiries. The customer rep did declined to help me. Ive 3 different written letters to all three bureaus re : 16 inquires on my reports and nothing have been done. Ive called. Nothing. 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 10-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed for Bankruptcy on XX/XX/XXXX and Transunion is reporting an account late and charged off, since the bankruptcy and subsequent discharge on XX/XX/XXXX. I have disputed this information over and over with Transunion and they have failed to update the information accordingly. This account was NOT charged off prior to filing of bankruptcy and their should not be late payments reported once I have filed the bankruptcy. Furthermore, the status should reflect included in bankruptcy with a XXXX balance and no payment due. 

XXXX # XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXXDate Opened : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CREDIT CARDBalance : $ XXXXDate Updated : XX/XX/XXXXPayment Received : $ XXXXLast Payment Made : XX/XX/XXXXXXXXh Balance : $ XXXXOriginal Charge-off : $ XXXXCredit Limit : $ XXXXPast Due : XXXX ; {$320.00} XXXX ; Pay Status : XXXX ; Charged Off XXXX ; Terms : Paid MonthlyDate Closed : XX/XX/XXXX XXXX ; Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX XXXX ;

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2016 about Student loan (Non-federal student loan) with ACS Education Services (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a student loan with ACS Education Services from my graduate education. I 've paid my bill on time for years and have my account information stored on their website. In XXXX, I missed a payment due to forgetfulness and once I remembered XXXX attempted to pay both months to get current. On XXXX XXXX, I paid online and went about my business. I received email notifications from ACS ( " payment scheduled '' on XXXX XXXX and " payment received '' on XXXX XXXX ). On XXXX XXXX, ACS sent an additional email saying the payment was rejected due to " unable to locate account. '' This is a bit odd because all my banking information is stored on their website and I have n't changed anything. I checked the account number and everything was accurate. I called ACS helpline and asked for guidance. The customer service rep was polite, but did not have access to the details of my account and thus could n't tell me what was going on or why the payment was rejected. She advised me to pay again. On XXXX XXXX, I logged in and once more scheduled a payment for both XXXX and XXXX. I received email notifications from ACS ( " payment scheduled '' on XXXX XXXX and " payment received '' on XXXX XXXX ). On XXXX XXXX, once again, ACS sent an email noting my payment was rejected due to " unable to locate account. '' Even after the payment was rejected, the website showed the account as paid and for a day or XXXX would not let me schedule a payment. On XXXX XXXX, I called ACS and made a phone payment for XXXX On XXXX XXXX, I logged in to my ACS account online and reentered my banking information -- literally nothing changed, I just re-entered the numbers -- and scheduled a payment. This time it went through, and with the phone payment everything ( for now ) appears to be up to date. However, we 've received a letter from ACS threatening to report me as late and negatively impact my credit score. 

My complaint can be stated more succinctly : their system for payment is immensely confusing, communicates conflicting or incomplete information, and generally seems designed to not work. When the system inevitably breaks down, there seems to be no one available to talk to in order to resolve problems. And as consumers like me scramble to fix something that seems made to be just out of reach, ACS sends letters challenging me for my lapses. I do n't mind being held accountable for paying back my student loans, but I would hope ACS can also be held accountable for its servicing of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I 'm a former Student of XXXX XXXX XXXX. I XXXX in 2010. The school has always been a fraud. A couple of years ago, I tried to get loans discharged through Navient due to fraud but they shut me down. The school did not live up to the expectations. It defrauded students into believing they would walk out with job offers and high salaries. On top of that, too many students have loans including private that they did not take out themselves. The school applied and signed for them ( including me ) and never shared the paperwork. Now that XXXX XXXX has been proven to be that way, I would like my private loans removed. I 've already sent a Defense to Repayment for my federal.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Student loan (Non-federal student loan) with Genesis Lending (MI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I went to XXXX XXXX XXXX MI and was told I would have a loan thru Genesis Lending which I learned was been since investigated. I have had issues with the Instiutute itself and can not rid myself on the ongoing debt and no way to fix the issue. I am in debt {$16000.00} for a XXXX XXXX certificate in which I never got due to issues with promises of an externship. Once externship started I was told I didnt do well enough or only given limited access to the job I was to learn. The Genesis Loan I have tried to resolve but I get phone calls and letters weekly. I can not pay back any money if I am unemployed. I have discussed with them several times and I get the same answer. Its unclear to me also how I am responsible for paying back loans on a college that the government had to shuit down due to the dishonest nature and students left in unreasonable debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I first requested my free credit report in XXXX thru the govt website. 2 weeks later I was notified to submit proof of identity because the data they got from your website was illegible and they could n't understand the nature of my request. Is my request the first time they 've gotten a request from the govt website? They made a request for XXXX different forms of id to accompany and complete duplicate of the information I had already submitted thru your supposed faulty site. I provided clear and legible copies of my social security card, medicare card, utility bill and a cancelled check none of which was good enough for trans union. They have now sent me a third request stating what I previously sent them was inaccurate and unacceptable because it was too old, illegible, not a qualifying document and that I did n't send qualifying documents. Again this is the third time they have turned down my id. I dop n't have anything else to send them. They did n't like what you sent them also. So perhaps you have created this problem for me? It 's clear that they are fishing for more free information about me that they can add to their files and sell, profiting from me while refusing to share with me what info they have and also refusing to remove the erroneous and derogatory information that they have been providing to others and therefore doing damage to me and my good reputation. Trans union realizes that I 'm a XXXX senior and unable to work. Furthermore I have been in their files for 45 years. I 'd sure like to see what they call illegible. It is illegal for trans union to receive the '' benefit of the bargain '' profiting from my information. Furthermore, credit bureaus can be sued and for big bucks. I demand correct copies of my credit report be sent to the address I have provided to them immediately and I demand that they remove each erroneous item listed. Their reporting of false information about me has prevented me from obtaining a place to live. Hope you can 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 10/23/2017 about Debt collection (Other debt) with RGL Associates, Inc. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XX/XX/XXXX XXXX pm, I received a recorded phone message that stated it was for me and then continued to discuss information related to their business with me, stating that they would recommend action against me, etc if I did not respond. I pushed " XXXX '' to speak with a person to get their contact information to send a CEASE AND DESIST letter. The lady who answered was very rude and refused to identify herself nor the company. She hung up on me once I tried to get the address. She also had such a horrible attitude with me and asked " Who do you think you 're talking to? '' at one point. I contacted the company again and was able to get their name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Credit line increase/decrease

Complaint: I submitted a request to consolidate my XXXX credit cards and lines and Chase is unwilling to combine my credit lines. There is no reason why they ca n't do it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other fee

Complaint: American Express has charged me an annual fee for a XXXX. I had notified the company that I do not want the card if there is going to be an annual fee. American Express charged after assuring me of no Annual fee and without any notice. I did not notice the charges right away because my account is on Auto Pay and American Express never notified me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX was originally in the names of XXXX and XXXX Original loan was then sold to a company called XXXX out of XXXX. There was several attempts to contact them about a payoff on the loan. First call, no payoff was given, but a letter was mailed out. A check was mailed out for the payoff on the loan, on XXXX/XXXX/17 and never cashed. Then several attempts were made to call about receipt of the check, and they said XXXX was not a on the loan. This statement was incorrect. Payoff letter did not state that the amount due could not be paid by personal check or that the amount must be paid via wire only. It states " FUNDS XXXX BE WIRED ''. Very misleading. They had the check for over XXXX days and it has still not been returned. It seems that every time you call the XXXX number for XXXX, you can hardly get a person. They make it very difficult to navigate or get information from their company. There are so many menus to go through and then the system just hangs up. Then when you get a person, they wo n't tell you anything. They have made paying off this loan very difficult. This company is NOT consumer friendly at all. I advise not using this company. This company is listed as : SLS, XXXX, XXXX, CO XXXX Phone : 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