milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I gave a months notice and I moved out of a house. The room mates stayed and did not pay rent and received a judgement against them and my name was attached to it even though I moved out. It has killed my credit and would like my name taken off the judgement and restore my credit above what it is now. I have a letter from the attorney for the homeownerto take me off the judgement. Thank you XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: There are discrepancies on my student loans : personal information that are false or somehow got linked with the wrong accoun t ( s ) . Loans that I have no recollection of nor authorized. Loans that have been accrued over twenty plus years and should be reduced or qualified for a loan forgiveness program because of my   XXXX   XXXX   XXXX   XXXX   who worked for   XXXX   XXXX   XXXX   for over a decade. Loans that are in the repayment process and or under forbearance due to financial hardship should not have had such a negative impact on my credit score to a point that it has hindered my ability to qualify for different services.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (HI).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a complaint with you about Nationstar, this year, requesting that they give me the loan modification that would allow me to keep my property and stop the foreclosure that was in the XXXX, Hawaii court system. They did " satisfy '' the complaint by responding with a " loan modification '', higher than the original mortgage amount, and a trial period of XXXX months, that, if satisfied, would stop the foreclosure. The original mortgage for the loan was {$1200.00} and the trial loan modification was set at {$1200.00}. Nationstar said that the amount owed was now too high for a lower mortgage. Now the permanent loan modification is {$2000.00}. 
With the trial loan modification the new mortgage was higher than the XXXX they modified. The interestrate was also not lowered, but made higher. After the successful trial period- from XXXX 2015 to XXXX 2015 -The permanent loan modification- offered in XXXX 2015 with an even higher mortgage amount- $ XXXX was adjusted from trial period to include an escrow account, an additional {$81.00}. In XXXX 2015 an additional escrow amount of over {$670.00} was added to the {$1300.00} to equal {$2000.00}, which they are asking for on XXXX XXXX, 2015. 
Now, with the " loan modification '', Nationstar has not been fair in making it unaffordable to keep the property. I believe that the foreclosure was not done legally and that Nationstar was not prompt in offering me a " loan modification '' which was in process for XXXX XXXX years as they denied me more than once and continued to ask for more documents in an untimely fashion, as the foreclosure proceeded and the delinquent amount increased. There is a strong possibility that what they have done is illegal. They have added the possibly " illegal foreclosure '' fees, accruing delinquent amount, and escrow to my loan and all with a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I filed a complaint against Equifax with CFPC in XXXX 2016, in regards to obtaining a copy of my credit report and credit scorces and also disputed inaccuracies contain in my consumer file. Equifax send a copy of a credit report and score dated XXXX XXXX, 2016, according to Equifax my credit score is XXXX. XXXX offers a service where they provide their customers with their credit score obtained and supplied by Equifax. XXXX claimed my Equifax credit score is XXXX and this information was obtained from Equifax on XX/XX/2016. 
Equifax response : Please be advised that scores are derived from a mathematical formula which calculates elements on the credit file. Information is reported to Equifax continually, thus the file content may change as well as the score. The " key factors '' are general explanations about what may be affecting the score and are not part of the credit file. Please also be advised that creditors have their own criteria for granting or denying a service or benefit based upon the score. Please contact your Creditor 's directly in regards to your application for credit. 
XXXX response : Dear XXXX XXXX : We have received your inquiry that was submitted to the Consumer Financial Protection Bureau regarding the free FICO ( R ) score appearing on Account Online. 
The FICO ( R ) score is a reflection of the data in your credit report and is provided to XXXX by Equifax. We are unable to change the FICO ( R ) score appearing on Account Online as updates are only made when we receive information from the consumer reporting agency. 
To report inaccuracies and request corrections, please contact Equifax directly as XXXX can not control information reported by other creditors to the consumer reporting agencies. 
I again am filing a complaint against Equifax and requesting an investigation into why Equifax is providing XXXX different credit scores and their calculation methods that would warrant the same credit report with the same information creating XXXX different credit scores. 


If there is information on your credit report regarding your XXXX ( XXXX ) XXXX XXXX ( XXXX ) account that you feel is inaccurate, please provide us with the details so that we may investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Other financial service (Check cashing) with Fidelity National Information Services, Inc. (FNIS) (NC).
Issue: Fraud or scam

Complaint: I have tried several times to cash my paycheck at XXXX ( Which Certegy handles the verification ) but they keep declining and told me to contact Certegy. I was very concerned because I dont have any negative transactions so I called Certegy and spoke with XXXX and her senior XXXX. I advised them that I have a copy of my consumer report and it clearly states no outstanding/ unpaid transactions and I wanted to know why they are providing negative information preventing me from being able to cash my check. XXXX advised that they cant tell you why the transaction was declined it was confidential, so I spoke with XXXX that stated the same thing. I asked her if I do n't know why they are declining the transaction how would I know if they are basing the decline on incorrect information. I just do n't think they should be able to just decline my transaction with out giving me a reason besides falling outside to the guidelines. They should be required to provide me with the guidelines so I will know if I meet them. I am simply trying to cash my checks nothing more. Please investigate this because it does not seem ethical at all.

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 06/24/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The problem is that every time I try to get information on my personal credit report, such as when I tried to use " XXXX XXXX '', I was blocked.Now I am for certain that someone is definitely doing something with my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loan started with XXXX and then went to XXXX and now back with Navient. During the time my loan was with XXXX I requested several drop in payments due to inability to pay. They told me that due to my income they can not do anything but I pay alimony and could not pay what they were asking. Now that it is with Navient again I have requested a reduction in monthly payments and they have told me there is nothing they can do. I have a lot of debt and struggle to pay it all. I pay alimony and child support as well. I believe i have been charged a lot of interest and late payment charges over the years that were unfounded.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 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: Their investigation did not fix an error on your report

Complaint: I was a victim of identity theft and notified bureau and also send documentation to XXXX creditor to verify the problem yet they say they ca n't remove the inquiries. police report was sent as well as several calls and letters in the mail over the past XXXX mths

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 07/19/2016 about Mortgage (Home equity loan or line of credit) with E*TRADE BANK (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My ex husband and i took out a open end loan with Etade ( XXXX ) XX/XX/XXXX. the loan was for {$60000.00}. We divorced XX/XX/XXXX and had to put the house we took the loan out on has to be sold and is selling. We are waiting out the closing. I have called Etrade on this loan to find out information on the balance of this loan and they tell me they can not speak with me on this loan. I am on the loan and did sign all the paperwork. My ex husband XXXX XXXX XXXX submitted to the court this other document and is claiming this is the loan and it had been bought out by XXXX. I called and spoke with the supervisor and they too would not speak with me about the loan. I got the impression from him that is a entirely different loan. I need to know if the etrade loan was paid off is still open and what is this other lender. I the sale of the home I will have to pay half of this balance of this loan. After just shy of eleven ( 11 ) years the loan should not be {$60000.00}.

Company response to consumer: Closed
Consumer complaint received 10-08-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: Auto finance company charged years of late fees after approving my hardship payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (LA).
Issue: Trouble during payment process

Complaint: Last month I received my annual escrow analysis which should I have roughly a $3,800 escrow surplus. I am currently two mortgage payments behind going on three in XX/XX/XXXX. I requested in writing like they told me to do to hold the three payments from the surplus. After doing as they instructed I receive an email reply back stating that the escrow surplus was used to reduce the monthly note.      It wasn't at all. The rep doesn't even know how to read the analysis. The note was reduced because the amount being disbursed from escrow was reduced from the insurance. I have spoken to four different reps, and sent various emails with no help. I even asked to be escalated to a manager and still nothing.

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 08-04-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have ditech mortgage company. I fell behind on my payments due to losing my job. Once I got my tax return and a new job, I was put on a payment plan of 4 months. I was told it could go up to 6 months. First problem was when I asked for 6 months they said ok and it would be reflected on my account in a few days. A week later it still wasnt. I was told to pay on the new plan anyway and set up payments with one of their reps for the next two weeks. They rep put the information in wrong. When I called in about it, I was told to make a payment that day and then I could be set up on a new payment plan for 6 months. I made the payment and now they are telling me they need another payment before they can put me on a new payment plan. The new payment is {$2100.00}, if I had that kind of money I would n't have this problem. Every time I call this company I get different answers from different people including supervisors. I think they are just in the business to foreclose on homes and sell them. Please do something about them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit card () with CITIBANK, N.A. (ID).
Issue: APR or interest rate

Complaint: I took out an application on a credit card at Home Depot in XXXX 2015 because I was offered a promotion of 0 % interest for 18 months if I purchased items totaling between $ XXXX. I purchased a lawn mower for {$1200.00}. The front page of the invitation says no interest if balance paid in full during this time period. I just got my statement for XXXX and I was charged {$190.00} in interest because the balance was n't " Paid in full within 6 months ''. This is the small print inside of the offer that does n't coincide with the large print on the offer. I have documentation of all this if needed. The card is issued through XXXX Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: It is very, extremely hard to put a fraud alert on your credit report. The credit bureaus make the process impossible. I just received a letter in the mail that someone tried to apply for credit in my name. This is the only information I have, so I go online to do this fraud alert, and the bureaus want me to order a credit report first. UNACCEPTABLE. I should just be able to get this added ASAP. Why should this process be so hard, while I am trying to get this done and my identity is getting stolen as we speak!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My chapter XXXX bankruptcy ( Case XXXX ) was discharged on XX/XX/XXXX. After the discharge, I filed XXXX disputes - XXXX with XXXX and XXXX with XXXX - to have an eviction record reported by Hunter Warfield ( collection agency for XXXX XXXX ) removed from my reports. 
XXXX of these accounts was removed on XX/XX/XXXX, the other on XX/XX/XXXX. I recently moved and I 'm unsure why but Hunter Warfield began contacting me via telephone and postal mail, attempting to collect the debt that was included in my Chapter XXXX and had already been removed from my credit reports. 
I notified them via Electronic Mail that I am no longer liable for this debt, and included a copy of my Discharge Certificate. 
Hunter Warfield failed to reply to my e-mail, but I reached out to the City of XXXX ( there was a default judgment against me for this debt ), and they said that although I have proof of filing Chapter XXXX Bankruptcy, since the discharge certificate does n't specifically list Hunter Warfield, XXXX, or the City, they would not remove the judgment from their records, although the City advised me that they would not attempt to collect on the judgment since I had a Chapter XXXX on file. 
After my move, I checked my credit report via XXXX and discovered that Hunter Warfield added this debt back onto my XXXX credit report. I contacted Hunter Warfield advising that this debt was discharged but once again, I received no response. 
I have filed a dispute with XXXX but it could take up to 30 days to resolve. I also feel that Hunter Warfield has violated their rights as a debt collector in the state of Virginia.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my TransUnion report there is a late payment being reported by XXXX XXXX XXXX XXXX for a car payment..this is incorrect..I have never missed a payment..I spoke with the bank and was told to contact TransUnion about this issue ... I believe there was some confusion when my car got paid off by my insurance and Gap insurance.. none the less I have never missed a payment and would like for this issue to be corrected.

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 01/31/2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Account number XXXX ; XXXX XXXX XXXX XXXX - repossessed without notification Background I XXXX XXXX XXXX - bought a car in XXXX from XXXX XXXX texas for XXXX approximately and had an automatic XXXX $ payment set up in my bank to go and for unknown reasons the bank automatic payment stopped on XXXX.We have not checked it and with XXXX $ balance left out when I was in XXXX XXXX Lousianna I came to found on XX/XX/XXXX i could not find the car parked in my location and found it was repossesd for failure to payment. 

Payment made XX/XX/XXXX XXXX~ for 4 month due and XXXX repo charges I am in good credit rating and XXXX XXXX requested me to get the car on a loan for their credit department benefits when I bought it in XXXX, otherwise I would not have gotten it on credit at all Issue Called XXXX TFS Toyota - they said they did not have to inform me that I am behind on my vehicle 's payment and that they can repo if I do not pay and a decision was made to repo on XX/XX/XXXX with NO phone or email or letter communication and they mentioned my phones were listed as do not call list despite we get calls from toyota to get extended warranty - we listed as do not call list for tele-marketing and we kept getting them regularly anyway. 

Please do the needful for this type of action in regards to making sure companies like this will not rashly take decision without informing consumers, hold hands with third party teams to make few extra money in repossession charges and to destroy the credit rating of consumers particularly minority despite knowing the minority is a XXXX in good standing in the community and credibility with good credit ( they have checked my credit monthly from XX/XX/XXXX as i pulled reports after the fact ) - even if they were on donot call list the do not call list is for marketing not for do not call when you are dying or going to take away the vehicle Please do the needful XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Much like XXXX, it appears as if FedLoan Servicing systematically cheats student debtors by taking shortcuts to minimize its own costs. Upon information and belief, FedLoan Servicing unlawfully steers struggling borrowers facing long-term hardship into payment plans that temporarily postpone bills rather than helping them enroll in plans that cap payments relative to their earnings. The latter option promises debtors the possibility of debt forgiveness after years of steady payment. The former raises the possibility of a financial time-bomb.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Conventional fixed mortgage) with Core Advisory Group, LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: This company is a complete scam, as soon as they cashed the cashier check I sent to them for {$3600.00} on XXXX/XXXX/2016 the very next day I asked them to return my money because I was n't confident they can stop my sheriff sale on time which was set for XXXX/XXXX/2016. When I contacted Core Advisory Group back in XXXX/XXXX/2016 and what made me decided to call them in the first place is the mail advertisement they had sent me saying that I am a plaintiff for a lawsuit against my lender and that they can lower my mortgage payments and stop my foreclosure so I called their XXXX # and I spoke with XXXX XXXX who told me that I had a strong case for them to take on. I even disclosed to her that I am currently in a chapter XXXX bankruptcy and there is also a sheriff sale date on XXXX/XXXX/2016 but she promised me that they can still stop the sheriff sale so I agreed to give them a shot. Once they received my money they referred me to a lady in the name of XXXX which handles bankruptcy and XXXX told me nothing can be done because I am already in a Chapter XXXX and it can not be converted into a chapter XXXX. I told everyone this at the beginning already and they still took my money so I told them on XXXX/XXXX/2016 I want to cancel and my money back. I ended up losing my house because of their false promises and lies that wasted my time and money when I could had used that money to hire someone else to help me. This is a scam and they need to be stopped. I want my money back. I paid these people upfront before they did anything for me. Now I lost not only my house but my money and it is not right that they are allowed to stay in business and prey on people like me. They did not do provide any service for me and they are refusing to give my money back. I need your help!!!!

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 monetary relief