milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Below are dates of credit inquiries that I wish to have removed from my credit report  XXXX . I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX    XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry   XXXX    XXXX ,  XXXX    XXXX   XXXX   Inquiry  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 10/17/2017 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: This is a follow up to my CFPB complaint # XXXX regarding Equifax continuing to report 4 accounts from XXXX XXXX XXXX XXXX XXXX that have not been validated and that contained the wrong address and phone numbers to contact the collection agency. Equifax responded on XXXX XXXX, XXXX, that " The following disputed items have been removed from the Equifax credit file : XXXX XXXX XXXX XXXX XXXX account number ending in XXXX, XXXX  XXXX XXXX XXXX XXXX account number ending in XXXX, FXXXX XXXX XXXX XXXX XXXX account number ending in XXXX and XXXX XXXX XXXX XXXX XXXX account number ending in XXXX. '' However, the credit report Equifax sent to me, dated XXXX XXXX, XXXX, still showed the same 4 accounts with the incorrect address and phone number. Also, I printed out a recent report today, XXXX XXXX, XXXX, and the accounts are still showing on the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My original loan servicer Aurora XXXX settle their wrongful behavior and the damage to families had been done. My current Mortgage servicer, NationStar has increased my interest rate to 4 %. My loan modification says my payment should be about {$2900.00}. It is more like {$3900.00}, which is back to why I needed the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Money transfers (International money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Money was not available when promised

Complaint: I was contacted by XXXX, XXXX XXXX, and asked if I would like to sell the time share we purchased in XXXX. She said she had a buyer ready, she sent a contract XXXX XXXX, 2015, read it over with me on the phone. Then she said I had to send her commission, which would be fully refunded by the buyer. Then it was title fees, then XXXX fees, etc., and to be refunded back to me. I was also contacted by XXXX XXXX at XXXX XXXX XXXX XXXX, and told he was holding the money in escrow account. Many promises, no action. Have not be able to get anyone to call me back for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Other

Complaint: Chase does not put a Guide to Card Benefits on its website. I told Chase that I thought that was because they were trying to make it harder to claim card benefits and Chase did not contradict this claim. So I 'm asking that CFPB ask Chase why it does not post on its website a link to its Guide and, absent a compelling reason, order it to do so and initiate a rule making to force all credit card issuers to do so. 
My most recent correspondence with Chase is below. I have earlier emails, but they do n't fit in this block ( and do n't add much useful information ). 
Thanks, XXXX XXXXDate : XX/XX/2015 XXXXFrom : Chase Card ServicesSubject : Re : Account InquiryMessage : Dear XXXX XXXX , We consider your concerns to be one of the most integralparts of the improvement process. I certainly appreciatethe time you have taken to share these concerns. As aresult of comments such as yours, we gain more insight asto how well we are servicing our customers. Please beassured that I have forwarded your comments to theappropriate management for their review. 

The benefits of your card were sent to you when you openedthe account and any time there is a change or update youwill be notified of these changes. You can request themost current guide to benefits at any time by call thenumber on the back of your card or send a message throughthe Secure Message Center. 

If you need any other assistance, you can send us a securemessage. We appreciate your business and thank you forchoosing Chase. 

Sincerely, XXXXSenior Service SpecialistPhone : XXXX EXT. XXXXFax number : XXXXHours : Monday - Friday XXXX to XXXX Central TimeXXXXOriginal Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Thanks for your reply. 

Please pass this message on to your supervisor with arequest that he/she pass it on to the person who makes thedecision not to put the guide to benefits online. 

Please tell me WHY the Guide to Benefits is NOT online. 
Every other institution in the USA puts full info on theirwebsites. Why would n't Chase. Doing so would reduce yourcosts of mailing the Guide or answer questions like thisone. That leads to me to think of only one reason : It'seasier for Chase to deny benefits if customers do n't knowwhat benefits are due to us. If I 'm wrong about that, youwill have a persuasive reason. If I 'm right, then youwo n't admit it but I hope I will shame you to do the rightthing and post links to the PDFs of each Guide to Benefiton the page where we get our balances. Thanks for '' listening ''

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a dispute to have XXXX XXXX XXXX to remove late remarks on my credit file through Experian and Experian took longer than 30 days to reply. By law, your company has to remove any late remarks after the time has expired. Your company has four days to update my XXXX XXXX XXXX Auto Loan as paid as agreed and to remove late payment remarks. If not, legal actions will be taken against  your company for violating my rights.

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 10-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: i received a loan from the XXXX XXXX XXXX XXXX that was not giving to me. 
i never used any of the money personaly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: submitted a letter disputing wrong information, transition would not delete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: on XX/XX/XXXX I received a letter from Dynamic RecoverySolutions whom I have never heard of saying that I owe XXXX XXXX XXXX $ XXXXXXXX.and wanting me to make arrangements to pay them. The date of service was suppose to be XX/XX/XXXX. I was not in the hospital at XXXX in and at no time. they are saying I better make arrangements to pay ASAP. I have good credit and my credit is monitored threw an agency to and this is not and never has been on my record. people like this need to quit scamming people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2018 about Debt collection (Medical debt) with Bay Area Receivables, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent two validation letters by certified mail on XX/XX/XXXX and XX/XX/XXXX to Bay Area Receivables in XXXX, MD to receive proof that the debt of {$700.00} is actually mine. According to the FDCPA, I am entitled to request this information. I have received ZERO responses from the company and every month they are continuing to report this debt on my credit report.I am seeking legal action against them unless they remove this collection or send me some validation.

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 10/14/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a debt showing up on my credit report that is not mine. I disputed this debt with the three major  credit reporting bureaus on XX/XX/XXXX and they were not able to validate. On XX/XX/XXXX, I sent a certified letter to Credit Collection Services asking them to validate this debt and they sent me a final bill. I do not owe this debt and would like to have it removed from credit file from all of the major report agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: experian lowered my credit score by 16 pts when XXXX and XXXX raised the score over 40 pts using the same data in XXXX 2017.experian refuses to reconsider the matter nor would they explain why they lowered the score

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 (FHA mortgage) with Alabama Housing Finance Authority (WA).
Issue: Trouble during payment process

Complaint: On  X/X/17    I requested a payoff quote from my loan servicing company,  XXXX , because I am refinancing my loan ( which has a  1st & 2nd put together ). O n their payoff quote, they are charging me {$200.00} for each release. I called the Washington  XXXX   XXXX   County Auditor  's office and was told the fee is only {$73.00} for th e 1st p age and {$1.00} per page after that, but re-conveyances are only usually  XXXX  page, and never cost {$200.00}.   Today,  X/XX/17   , I called  XXXX  asking why the fee is so high when the actual recording fee is n't that much & according to my DOT am not responsible for the Trustee fee. They said no, that across the board, Washington State reconveyance fees are {$200.00}, and if I do n't want to be charged that for each of the releases, I have to have the recording department in the auditor 's office fax them otherwise. Which ... of course they just told me to have   XXXX   look at the their web page ... which of course  XXXX  wo n't do.   I AM BEING OVERCHARGED AND CANT ' DO ANYTHING ABOUT IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Payday loan () with Midwest Recovery Systems (TN).
Issue: Can't contact lender

Complaint: A collection action appeared on my credit bureau file today for Midwest Recoveries for {$760.00} for a 2012 loan that I did not apply for or receive. Today is the first time I have heard of this. The phone number on the file prompted me to call and I spoke with XXXX that said he received it from attorney XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 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: SW credit systems no longer has the account and still reporting on my credit report after I disputed 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
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I came to US in first time my life on XX/XX/XXXX arrived through XXXX XXXX XXXX, XXXX. Stayed three Days then moved to XXXX XXXX, XXXX. 
On XX/XX/XXXX hired at XXXX XXXX XXXX after that I tried to open an account with XXXX XXXX Bank but they informed me there was someone with same social security number already with a bank account but with different second name is XXXX XXXX XXXX, and my name XXXX XXXX XXXX XXXX. 
I received latter from Social Security Administration on XX/XX/XXXX as I had worked : 1- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer ID : XXXX worked from XXXX - XXXX 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Employer ID : XXXX. Worked XX/XX/XXXX, but I came US inXX/XX/XXXX. 
In XX/XX/XXXXI received latter from Trans Union for Initial Fraud Alert.After I requested for Credit Report. 
In XX/XX/XXXX I applied for credit card at XXXX XXXX XXXX then they replayed me not approved.

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 08/21/2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Settlement process and costs

Complaint: I am in the process of purchasing my first home. On XXXX XXXX 2016 I received the Closing Disclosure for my mortgage application. The Closing Disclosure indicated a change in the " Calculating Cash to Close '' section in the " Adjustments and Other Credits '' line item. In the Loan Estimate I received on XXXX XXXX 2016 this line item indicated " {$0.00} '' and on my Closing Disclosure it indicates " {$840.00} ''. 

While I was prepared to absorb some additional cost this was a shock. Section K of the Closing Disclosure I received indicates this adjustment is due to " Items Paid by Seller in Advance '', specifically prorated Town/County Taxes. The prorated taxes for the seller are required to be disclosed on both the Loan Estimate & the Closing Disclosure in accordance with 12 CFR 1026.37 & 1026.38, however, were not included on the Loan Estimate I was provided. 

Since the Loan Estimate I received was non-compliant with 12 CFR 1026.37 ( h ) ( 1 ) ( vii ), and the official interpretation in Supplement I ( XXXX ), it does not seem fair, and possibly illegal, for USAA to require me to pay for an adjustment that was not disclosed on my Loan Estimate. The seller is certainly entitled to prorated repayment of their property taxes, however, the lender should pay at this point in the process since the closing date was already established when I received the Loan Estimate. The lender certainly had enough information to estimate this cost and they did not, waiting instead until we are within a week of closing and putting us in a very difficult position, it feels like we are being extorted. 

The above situation is my primary concern. It is also worth mentioning that the difference in estimated Cash to Close between the Loan Estimate and the Closing Disclosure appears to just be an increase of 7 %, however, it is deceptive of USAA to present this information in a way that makes their initial Loan Estimate for Cash at Closing seem even remotely accurate. By their calculations it appears the Cash to Close only increased by {$130.00}, however, this is only because the seller agreed to pay an additional {$1000.00} closing costs. When this correction is accounted for the actual increase in Cash at Closing increases by approximately {$1200.00}, this is a 69 % increase on the Closing Disclosure above their original Loan Estimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received dozens of phone calls from McCarthy, Burgess & Wolff claiming that I owe XXXX XXXX a balance. I have repeatedly told them that I do not owe XXXX anything. They accuse me of not returning equipment. I have repeated told them that I have no equipment and that it was all hand delivered to my XXXX Account Manager. They told me without proof, I was liable for the charges. I have, on three different phone calls, conferenced the XXXX Account Manager into our conversation. The XXXX Account Manager has told McCarthy, Burgess & Wolff, each time that I do not owe the money but that it is credit approval issue at XXXX and the problem will get resolved by them. 
McCarthy, Burgess & Wolff has begun calling my daughters cell phone informing her that I am in collections. I want the phone calls stopped or I will begin my own legal pursuit seeking damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I have been disputing with TransUnion for several months about the bureau having 3 different files with my revolving and installment accounts spread over those three files. Yet only one set of accounts is viewable to my creditors and me. I have been denied credit, or otherwise unjustly been given higher interest rates due to TransUnion not reporting my full history properly which creditors can see under one file. This has also reduced my creditworthiness in the eyes of my creditors.

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 Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated college XX/XX/XXXX and acquired several student loans with my parents in order to qualify for my financial aid. At first I chose to defer the loans when they were with XXXX XXXX. XXXX XXXX had my loans grouped into XXXX groups-Department of Education, Federal, and Private. After paying for several years the loans were transferred to Navient, which has been a complete nightmare. XXXX XXXX was bad, but Navient is absolutely awful. My main problem is that I have a very high amount of debt that is privately held, which there are little to no options available to me. When I heard the CFPB was involved in a lawsuit with Navient I needed to voice my concerns. I feel like I literally will be working my entire life just to pay them off. My loans are now in XXXX categories similar to that of XXXX XXXX. I was in a car accident XX/XX/XXXX and fell behind on payments. After months of negotiating and seeing what I qualify for I had to give Navient my bank statements and my parents. They went line by line and questioned everything. One of the representatives even said " Wow that is a lot of money to be spending at the gas station. '' She was referring to my father 's account as he drives from XXXX to XXXX every day for his job. I finally was approved for a rate reduction program for the Private loans and placed the other loans on Forbearance due to hardship. To this day we receive stacks of mail correspondence, daily phone calls, emails, etc. even though everything should be up to date. I have had a breaking point as I realize that now at XXXX years old with almost 90 % of my debt privately held I will never be able to qualify for a mortgage, it has ruined my credit, and my payments are always messed up. I do not contest the fact that I owe money for my education, but coming from a banking background I find it amazing that a loan was underwritten for the price of a home at the ages from XXXX-XXXX, but could not legally get a credit card. I often wonder how did they per-qualify us for these astronomical amount of debt? I would really like to continue to my life, pay off a fair amount, and contribute to our economy as I move forward in life.

Company response to consumer: Closed with explanation