milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: BAsically I applied to Equifax for enrollment and monitoring about a week after the announcement because I was one of the breach victims. They said they would get back to me. I tried again on their website and found, rather unbelievably, one had to have a mobile phone to complete the application or one could n't finish it. I gave up my phone because I do n't use it much. So this preclude many people like myself from application. I wrote complaining and received a form reply telling me they would contact me. So I am effectively at risk a month after trying to rectify my situation. There was no option on the site to enter any other data for qualification than the mobile phone number. Equifax does n't really give a XXXX. 

PS The site mentioned in the attached reply is the one I mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Mortgage (FHA mortgage) with COLORADO HOUSING AND FINANCE AUTHORITY (CO).
Issue: Settlement process and costs

Complaint: My house burned down, I 'm trying to get it rebuilt. I have submitted all the documents that CHFA requested and was told that it would be XXXX5 days for it to go through review. It has now been 1 month and they still have n't gotten through review. They are holding my insurance money which they said was required because they have a vested interest in my property and wanted to be sure my house was rebuilt in a timely manner. I have a contractor and everything set for the rebuild and the only thing holding it up is CHFA. So the timely manner in which they speak must apply to everyone but them. My contractor is waiting for his downpayment so he can begin the work. My question is, why does CHFA not have a time limit in which they are given to process such claims? I am a law abiding, tax paying citizen and think I deserve better from my government, whose salary I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This account was unauthorized. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Mortgage (Reverse mortgage) with BROKER SOLUTIONS, INC. (NV).
Issue: Application, originator, mortgage broker

Complaint: I WISH TO FILE A COMPLAINT AGAINST XXXX. DBA NEW AMERICAN FUNDING FOR UNETHICAL ACTIONS, RESPA VIOLATIONS, & BLATANT BAIT & SWITCH WHICH OCCURRED DURING THE PURCHASE OF A HOME IN XXXX XXXX , NV. ON XXXX/XXXX/2015, SET TO CLOSE ON XXXX/XXXX/2015. 

MY CLIENTS RELIED ON PERSONAL INTERVIEWS, LOAN APPLICATION, A CLASS ON REVERSE MORTGAGES & THE REPRESENTATIONS MADE BY NEW AMERICAN FUNDING & THEIR STAFF. 

ONE DAY PRIOR TO CLOSE OF ESCROW, MY CLIENTS WERE TOLD THAT THEY NEEDED AN ADDITIONAL {$16000.00} TO CLOSE THE REVERSE MORTGAGE. WHEN THEY CAME TO XXXX XXXX THE NEXT DAY, THE LOAN DOCUMENTS, WHICH ARRIVED AT THE LAST SECOND, CONTAINED NUMEROUS ERRORS & INCONSISTENCIES AND THEY WERE GIVEN NUMEROUS ESTIMATED COST SHEETS THAT WERE ALL DIFFERENT, GENERATED DAYS APART. 

THE LENDER, IN SPITE OF PLEADING FROM THE ESCROW OFFICER & MYSELF FAILED TO INCORPORATE THE TITLE COMPANIES FEES & COSTS INTO THEIR ESTIMATES & GAVE MY CLIENTS INCORRECT INFORMATION ABOUT THE AMOUNT OF MONEY NEEDED TO CLOSE THE TRANSACTION. 

IN GOOD FAITH MY CLIENTS WERE GETTING A REVERSE MORTGAGE, PUTTING NEARLY XXXX % DOWN, BUT COULD NOT GET TRUE COSTS FROM THESE PEOPLE. 

WE CHECKED AFTER THE TRANSACTION FELL APART & THERE WERE, XX/XX/XXXX, XXXX COMPLAINTS AGAINST NEW AMERICAN FUNDING FOR SIMILAR REASONS. 

AS A DIRECT RESULT OF THEIR ACTIONS, MY CLIENTS LOST THE HOUSE SURRENDERED {$10000.00} EARNEST MONEY TO THE SELLER, AND PAID {$3500.00} IN TRAVEL EXPENSES TO COME TO XXXX XXXX TO PURCHASE THE HOME. I WORKED DILIGENTLY FOR 18 MONTHS WITH MY CLIENTS EARNED THE XXXX % COMMISSION OF {$12000.00} AND LOST IT. TOTAL LOSS TO THE XXXX OF US - {$26000.00}. ALSO INCLUDING THE APPRAISAL OF {$450.00} AND {$400.00} FOR THE INSPECTION. 

THIS COMPANY IS A TRAVESTY AND NEEDS TO BE STOPPED REGARDING THESE EGREGIOUS PRACTICES. 

WE RELY ON YOU TO HELP US AND RESOLVE THIS SITUATION. WE LOOK FORWARD TO YOUR RESPONSE. 

THANK YOU,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I have been receiving many Harrassment phone calls of, Collection, threats of escalations of my vehicle repossession and possible collecting funds from me in court. All calls are been made through my cell number XXXX.and also by email. Prestige Administration or staff has been calling from their number XXXX. Also Prestige business partner Vehicle Dealership in XXXX, Texas is also calling, but they do n't leave a message. Their address XXXX XXXX XXXX XXXX XXXX, Texas.XXXX ... XXXX Email : XXXX Federal Government can archives all emails from XX/XX/XXXXof XXXX XXXX and Prestige on my loan process. My Bankruptcy Chapter XXXX process in Federal Court in XXXX, Texas was filed on XX/XX/XXXX and Prestige and XXXX XXXX XXXX was informed on my bankruptcy Chapter XXXX process and proceedings with XXXX, Texas Attorneys XXXX XXXX and XXXX XXXX. After I file various Federal complaints against Prestige Financial after XX/XX/XXXX and also Prestige Management Has appointed XXXX employee XXXX XXXX to go after me to collect on payments of collections of {$480.00} and {$440.00} in which I can not afford and pay for XX/XX/XXXX. I respectfully asked Prestige to restructure my loan under 17 % interest rate and lower my monthly payments under {$480.00}, {$440.00}, because of my Financial Hardship and XXXX. I am XXXX and Retired and I do n't receive XXXX XXXX XXXX. I have sent evidence documents on my XXXX Lifetime to Prestige Administration. I am respectfully requesting that the Federal Government conducts a investigation on my vehicle purchase and loan process with Prestige immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Other mortgage) with Franklin Credit Management Corporation (CA).
Issue: Settlement process and costs

Complaint: Hi, my name is XXXX XXXX ; i am a widow who semi-retired XXXX. I live in XXXX. The Franklin Credit Management bought out my second mortgage a few years ago when my house was upside down -- dropped almost half, and placed a lien on my property. I have been trying to settle this since then, but no avail. It is almost upsetting and frustrating how they kept on telling me to counter offer against their offer of {$31000.00} as a final settlement, but never mentioned about the expiration date, which was last XXXX XXXX. Had I known that there was an expiration date on their amount, I am 100 % certain I could have made better decision ~ different approach to make sure this burdensome ordeal would be finalized then. I had to retire from Post Office, so I did not have a regular income like before, so I was trying to see if I could lower the final settlement amount lower than {$31000.00} since I had to borrow this money. But to my disappointment and discouragement to the point of anger for their deceitful attitude -- never mentioning not even once, something like this before XXXX whenever I had called ; I called several times : 'Can you consider this offer would be expiring on XXXX? ' I have to wonder if they had to be this deceitful. Now I have to appeal this to see if I can settle this once for all, which has been my heart desire ; they just sent me 'Notice of Default and Intent to Accelerate ' letter to me. I had filed chapter XXXX in XX/XX/XXXX, so if someone could explain the top part of this notice ( if you want me to send you the entire pages, I need your email address ) page XXXX where it said, ''To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation ', I would greatly appreciate it since I am totally confused ; they said this debt was excused ; then, they would like to accelerate???. 
Would you pls do me a big favor to help me settle this with their initial amount for me since they dealt with this dishonesty? I have XXXX different licenses -- life and health, property and casualty, Series XXXX, series XXXX ; each ethic class I had taken for these licenses, they emphasized how important it wass to inform your customers with every important factors to help them make a better XXXX right financial decision. Their hiding this fact until after the fact seems to me pretty unethical almost like a criminal act ; consequently, I am appealing this to you to see if you can help. 

Thank you in advance for your help! THX! 
Have a good day/week! Happy XXXX XXXX! 

Sincerely, 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 08-11-2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (IN).
Issue: Trouble during payment process

Complaint: My mortgage company is charging me {$770.00} for my annual homeowners insurance for escrow purposes when the actual cost is {$720.00} per year. I confirmed the cost with XXXX XXXX and they called Midland Mortgage to provide this info. I asked Midland to change the amount and readjust my payment. My escrow shortage for this year was {$65.00} plus odd cents. I paid {$150.00} but they are still charging me extra for non payment of the shortage. I requested a response to these inquiries in writing but have received no response to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (AZ).
Issue: Taking out the loan or lease

Complaint: I sent American Credit Acceptance a letter requesting information about the current high balance amount, original credit amount, late notices, and the original signed contraction by certified mail. They have not made any attempt to contact me via mail with the requested information and documents that I 've requested. This company is now willingly withholding information from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: TransUnion is the problem. When you report that you have been denied credit based on their credit score, they have a legal obligation to give you a copy of your credit report. They refuse to give you the actual credit score number unless you pay them extra money. This is not legal - they are trying to take advantage of consumers by ripping them off for a service TransUnin has an obligation to provide at ZERO cost. 
ALSO, when you try to order the free credit report they owe you, after inputin your address, etc, into the phone system, it always plays a recording saying " We can not give you a report based on the information you entered. ". Then they tell you about a long list of sensitive documents you have to provide them in the mail in order to even get the INCOMPLETE credit report they are sending. 

These practices are abusive to American citizens, and I believe illegal!

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 03/27/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Approximately a year ago I disputed a collection from Hunter Warfield that was appearing on my credit reports. After the investigation period the item was removed from all credit reports but recently have been reinserted within this past month. I did not receive notice that the account was being added again within the 5 day period or at all for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The following creditors re-aged the debt illegally in order to extend the time of credit file in violation of FCRA 623 ( 5 ) ( A ) : XXXX XXXX, XXXX, MN XXXX This information was submitted to the credit reporting agencies with refusal to take off

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 06-07-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: Bayview Loan Servicing LLC has violated Bankruptcy Law and State and  Federal laws by trying to foreclose on our home. XXXX XXXX XXXX has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer XXXX XXXX XXXX developed a scheme and transferred loan to Bayview Loan Servicing to cover up Bankruptcy Law violations.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My credit score decreased from XXXX to XXXX and I was not able to gain support from the agencies regarding why the sudden drop took place nor how I can rectify my score. I am attaching the report from credit karma. Thank you for your assistance in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was charged {$15000.00} for XXXX school with XXXX XXXX in XXXX NJ. My loan was given through XXXX XXXX Part of the program was that I would get on an internship after school. I never completed the internship and was unable to work in the field I studied for because the internship they scheduled me to start was a completely different subject than what I was in school for. Once the school closed shortly after I was unable to get in contact with anyone in the school to figure out what I can do to get any record of training that I had. I was never given a certificate of completion and never finished the internship. I would like to have this debt removed from my credit report due to the fact the school closed without any notice and the debt remained with me. I do not feel as though it is fair for me to have to pay a debt for an education that was never given. The promise the school gave when I signed the forms was that I would be placed in a program to get a job and the internship would be complete after the schooling was completed. Neither agreement planned out that way and I would like the debt to be placed as paid in full and closed on all three credit reports. I spoke to all three credit bureaus and had this issue resolved with XXXX  and XXXX. XXXX would not place the account as paid in full and only took away the interest that accrued over time. I spoke to them last year in the beginning of 2017 and was told that the debt is back to original balance. This is not acceptable to me since the other 2 credit unions changed the status.

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 11-07-2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (MN).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I leased a XXXX XXXX 3 to 4 months ago from XXXX XXXX XXXX. I told them I needed my lease payment due date changed from the XX/XX/XXXX of the month to the end of the month they said no probllem just contact XXXX XXXX they will change it. I called them and requested it be changed they never did it. I called again following month told them to please change it they didnt, I called again a 3rd time and told them to change it and they said they would but didnt now they claim they cant change it due to some requirements I was never made aware of

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I called the debt collector several times to have my case disputed and she has refused to do so. She told me that I need to contact to agency that I owe. She hangs up on me instead of giving me info on my case.

Company response to consumer: Untimely response
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries on my report that were not authorized by meXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate information information being reported XXXX XXXX XXXX XXXX XXXX incorrect past due balance XXXX XXXX XXXX XXXX incorrect past due balance XXXX XXXX XXXX incorrect reporting account open date Contacted XXXX, experian, XXXX to report unauthorized inquiries and they failed to remove the inaccuracies on my report

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 05/23/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Problems caused by my funds being low

Complaint: Received high fee for insufficient funds. I can not see, by way of my online account page, at which point I went below in order to incur the fee. I logged on XXXX day to see a balance, XXXX as yet " unposted '' items and XXXX deposits by way of funds transfer ALL with the same date. I was told by a teller if funds are deposited on the same day - no fees will occur. 
Fees are WAY to high for many people who are banking and living at the very edge. Charge a fee that corresponds with the amount of interference the lack of funds meant to or affected the bank. Did my {$2.00}, {$5.00} or {$19.00} debit with insufficient funds render the bank unable to continue on? Did my mistake mean the country 's economic health may suffer or banks may close up shop? Not even close. The fees are unrealistic for most Americans. 
Make the fee match the burden put on the bank for the mistake instead of trying to break the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: XXXX XXXX is refusing to give me credit for work complete in XXXX  XXXX with the XXXX XXXX XXXX. I have completed the paperwork to certify my work to include the information of my employer EIF number, website, address. etc. My past employer will not fill out the documentation as I no longer work for the XXXX XXXX XXXX after 12 years of service with them. XXXX XXXX is requiring that the XXXX XXXX XXXX sign my paperwork. I am unable to do this and I check the box stating I was unable to do this on the application. XXXX XXXX XXXX   responding in a letter that I had to have them sign it. they are unwilling to take anything showing proof that I work for that XXXX XXXX XXXX and will respond with get a signature. I am no longer employed their and can not walk into my old HR as it was a XXXX I worked at and access must be approved of which I can no longer get. XXXX XXXX is taken advantage of me and probably others in the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Home equity loan or line of credit) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband passed away and as a result I ended up in a Chapter XXXX bankruptcy which was discharged on XX/XX/2014. However, Peoples United ( loan # XXXX ) is still showing that I owe a balance of {$150000.00} on a debt that was discharged in the bankruptcy which is driving down my credit scores and keeping me from re-establishing my credit. At almost XXXX years old I am not very good at fighting these things and was told to ask you for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX XXXX Authorization. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXXunauthorized XXXX XXXX c- XXXX XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!

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