milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 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: I have been paying on my vehicle for almost 3 years. The company has only reported the first 15 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XXXX 2016 as Current with a zero balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since 2016 and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XX/XX/XXXX XXXX XXXX/ NAVIENT XXXX action to collect debts for student loans for which I requested verification. I was told over the phone I had used all in-school deferment and they were going to report it to the credit bureau without verifying because they did n't have to verify at this point. I never claimed ownership of the loans, I asked for all communications to be written because the employees of XXXX XXXX/ NAVIENT would call 6-10 times a day from different numbers and yell and communicate threats to me. When I told them I was in professional school they got even more aggressive and called 6-10 times daily from XX/XX/XXXX-XX/XX/XXXX to " intentionally disrupt me until I make a payment. '' Then XX/XX/XXXX they did negatively impact my credit and I sent them a legal document detailing every illegal thing they did in a letter letter with the help of PACER.GOV along with a police report filled for harassment and again asked then to keep communication civil and written so that there can be clear language used to discuss the loans XX/XX/XXXX. They never responded nor did they ever attempt to verify, they never tried to contact me again. This month XX/XX/XXXX they handed my accounts over to XXXX XXXX XXXX , XXXX to which I requested them to verify claims made by XXXX XXXX and requested that they not contact via phone but that they mail a letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Settlement process and costs

Complaint: The borrower lives in a house that her deceased mother took out a mortgage on. The property is titled in the borrower 's name, but the mortgage is in her deceased mother 's name. The borrower currently has a foreclosure action pending against her in XXXX County, Florida. 
The borrower was offered a permanent loan modification in late XXXX 2016. The borrower executed the permanent loan modification on XXXX XXXX, 2016. The borrower 's attorney sent XXXX executed copies of the loan modification to the servicer 's point of contact, XXXX XXXX of Seterus, on XXXX XXXX, 2016 via certified mail return receipt requested. 
XXXX XXXX then asked the borrower to submit a death certificate for the executor of her mother 's estate. The borrower 's attorney faxed and mailed a copy of the death certificate to XXXX XXXX on XXXX XXXX, 2016. 
The borrower 's first payment under the loan modification was due on XXXX XXXX, 2016. The borrower made her XXXX XXXX, 2016 mortgage payment. She also paid her XXXX mortgage payment. 
Seterus is sending the borrower correspondence dated XXXX XXXX, 2016 stating that the loan is delinquent and the XXXX XXXX, 2016 payment through the XXXX XXXX, 2016 payments are outstanding. Seterus also sent the borrower a mortgage statement dated XXXX XXXX, 2016 stating that he amount due is {$16000.00}. 
The borrower 's attorney filed a motion to dismiss the foreclosure action with the court. However, a new foreclosure sale date has been scheduled with the court for XXXX XXXX, 2016. The borrower 's attorney has contacted the Plaintiff 's attorney several times regarding resolving this issue, but the Plaintiff 's attorney says it does n't have any record of a loan modification being executed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a XXXX veteran. My status was official through the Department of Veterans Affairs in XX/XX/2011. I contacted XXXX and informed them of my XXXX status and I would no longer pursue a college degree. I submitted all required documentation of my status. Somehow the process of discharging my student loan debt, slipped through the cracks and my account showed delinquent. My loans are currently discharged due to my XXXX status, but it should have never been reported as delinquent. ECMC discharged all student loan debt under XXXX application that I filed. The letter for approval states I was eligible as of XX/XX/2011. 
My family and I are suffering greatly by the reporting practices of all XXXX major credit reporting bureaus. Please correct this wrong. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: I do not have any existing balance with CapitalOne credit card co. I received a new card that has never been activated. A transaction came thru that I did not authorize. They are giving me the run around with regard to disputing the transaction. The transaction amount is {$89.00} from a software security company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion keeps deleting and reinserting a charge off account from XXXX ( XXXX ). This needs to stop. This account is old and past the statute of limitations so why now is it being reinserted. Transunion needs to be held accountable for providing accurate credit reports. This is extremely damaging to my credit score. I have retained an attorney and if this account in not removed permanently I will be forced to pursue legal action against transunion and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Consumer Loan (Vehicle loan) with Easy Finance, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: I have been having problems paying on time due to going thru a divorce.  XXXX  has been incredibly rude and saying it 's not her problem. Threatening to repo when it is 3 days late. Calling my work repeatedly. Today she has said she will be coming up to my job. I view this as harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was attempting to access my free credit report via annualcreditreport.com and requested it from XXXX XXXX, Experian, and XXXX. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions were about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking XXXX XXXX, Experian, and XXXX to send me my credit report, preferably online, immediately.

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 08-03-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (CT).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX my paycheck was supposed to be deposited to my checking acccount by my employer but it was not due to an error on their part. I discovered my account was overdrawn on XX/XX/XXXX. I called my employer and they admitted to their error and promised to deposit the check to my savings acct on XX/XX/XXXX.My employer will not work with me concerning the overdraft fees. I called my local TD bank and told them my employer caused the overdraft of {$420.00}. The TD bank rep said it was my fault and would not work with me in reducing these fees. I am a single mom working for a temporary agency after losing my job in XX/XX/XXXX. Recently, I was out of work for over a month recovering from a XXXX XXXX and XXXX XXXX. I did not get paid for this time off. I am back to work now and struggling to catch up. This error caused me a very big setback and will not be able to pay back this {$420.00} in a short time. I would like to have the fees waived or reduced to half amount. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OpenRoad Lending (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Open Road Lending has sent my application to XXXX XXXX regarding an auto loan I was trying to get refinanced without my consent. I am currently in a class action lawsuit with XXXX XXXX. Therefore, I am NOT interested in doing any business with XXXX XXXX. Also, XXXX XXXX has inquired on my credit which I did NOT authorize ... I have never even heard of that company before. I wish for these inquiries to be stricken from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Closing on a mortgage

Complaint: I had an fha mortgage with Nationstar/Mr Cooper. I decided to refinance with XXXX XXXX Bank. My refinance closed on XXXX XXXX, XXXX. The final payoff was made to Mr Cooper on XXXX XXXX, XXXX in the amount of {$260000.00} per the final ( amended ) payoff statement. The final payoff included 2 months of interest and pmi insurance per fha loans. At that time I had an escrow balance of {$5500.00}. That amount should have been returned to me with interest. On XXXX XXXX, XXXX I received a check from Mr Cooper for {$4900.00} with no explanation as to where the rest of my money is. I have tried to call numerous times and emailed with no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (OH).
Issue: Taking out the loan or lease

Complaint: I LEASED MY XXXX XXXX FROM CHASE. I BOUGHT OUT MY LEASE AND REFINANCED WITH XXXX. I CLOSED ON MY LOAN ON XX/XX/XXXX AT WHICH TIME THE ODOMETER DISCLOSURE STATEMENT WAS FAXED TO CHASE BY XXXX ALONG WITH ALL OF THE OTHER NECESSARY PAPERWORK. I RECEIVED 3 REQUESTS FOR YET ANOTHER ODOMETER STATEMENT XX/XX/XXXX. I HAD XXXX FAX CHASE YET ANOTHER ODOMETER STATEMENT ON XX/XX/XXXX. ( CONFIRMATION ENCLOSED ) I CALLED CHASE TO MAKE SURE THEY RECEIVED THE ODOMETER STATEMENT. THEY SAID THEY DID AND THAT I COULD EXPECT TO RECEIVE THE TITLE TO MY VEHICLE THE WEEK OF XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED MY TITLE. CHASE HAS MY MONEY, XXXX HAS MY LOAN AND I HAVE NOTHING. CHASES REPRESENTATIVE IS VERY DIFFICULT TO REACH. SHE STATES HER EXTENSION IS XXXX, THERE IS NO SUCH EXTENTION. I WENT TO THE XXXX, THURSDAY, XX/XX/XXXX. THEY LOOKED IT UP AND TO DATE CHASE HAS NOT RELEASED THEIR LIEN.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has mis-applied my advance mortgage payments previously. They have done so again, and It is important to me that the funds are applied correctly, as I am retiring. I must check online both XXXX bank and Nationstar ( first and second Mortgages ), or they change the way they apply the extra funds. The agent from another country jhad so much background noise going on, and was unwilling or unable to correct the issue

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/16 a loan modification package was submitted. 
On XXXX/XXXX/16 a call was placed to check if anything else was needed. The XXXX form needed to be updated and it was submitted the same day. 
On XXXX/XXXX/16 a call was placed to check if anything else was needed. The XXXX form previously submitted had not been reviewed. " A message was sent for the documents to be reviewed. '' At this point, Seterus had a complete package. 
On XXXX/XXXX/16 another call was placed to check on the status. No update and sale date still on. " A message was to the escalation department. '' On XXXX/XXXX/16 sale date still on, no update, no additional documents needed. 
Should n't they at least postpone the sale date if they have a complete package? Are they going to review the package for a loan modification while they are trying to foreclose at the same time?

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: This is a follow-up complaint to  Case   #   XXXX  and  Case  #  XXXX . Case #  XXXX  was resolved by processing my REPAYE recertification which was properly submitted after receiving an e-mail from FedLoan Servicing asking me to recertify.  <P/>  Case  #  XXXX  was not resolved as FedLoan Servicing falsely stated that they would not capitalize the accrued interest into my principal balance. For some reason, FedLoan Servicing fixed the REPAYE recertification issue by placing my account into an administrative forbearance and then capitalizing all accrued interest into my principal balance. As of XX/XX/XXXX   , my principal balances were : {$240000.00} for  XXXX  and {$56000.00} for  XXXX . I was not aware the accrued interest would capitalize as I submitted my REPAYE certification when FedLoan Servicing requested and my account was placed into forbearance due to FedLoan Servicing 's error. After the administrative forbearance ended, my principal balances changed to : {$250000.00} for  XXXX  and {$58000.00} for  XXXX . This is a $  XXXX  financial penalty placed on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Enclosed XXXX will find correspondence with XXXX XXXX XXXX XXXX showing they have taken the steps to remove account from collections status. Experian has been notified of bankruptcy no less than seven times now requesting my credit report reflect accurately. I have provided discharge notice on every occasion along with request to fix the errors. Experian has failed to fix the problem. At this point my attorney is suggesting that Experian is the liable party for a law suit. I have provided all documents for this very simple error. I will provide them all yet again in this complaint. If this is not resolved in the next 30 days a law suit will be filed in federal court for violation of court order and violation of the Fair Credit Reporting Act. XXXX with XXXX XXXX XXXX XXXX informed me, on a recorded line on XX/XX/2017, that  any failure of this reporting correctly would be a failure on Experian 's part not theirs. All other companies who were informed of their inaccurate reporting fixed the errors within a week and were also reflecting within that time frame. There is no excuse for this gross negligence other than someone somewhere is not doing their job and it is reflecting poorly on the company and harming the consumer.

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 06/24/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: I am trying to refinance my mortgage loan that I have with XXXX. I have XXXX mortgages the XXXX and biggest is with XXXX and the XXXX XXXX and smallest is with Green Tree Servicing. On XXXX of 2015 I tried refinancing with XXXX but Green Tree, owning the XXXX mortgage to my home refused to subordinate the loan with XXXX. I fall under the HARP program but have not been able to take advantage of this opportunity because of Green Tree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: VIOLATES MY RIGHTS PLEASE LOOK AT ENCLOSED DOC 'S CRA, AND HIPPA RIGHTS POLICE REPORT INSIDE

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 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have been with XXXX for 12 months at my previous address. Upon my move I 've returned all the XXXX equipment. I 've also had Home Security. I purchased a new home and XXXX does not service in the new location. So I 'm forced to find a new provider. XXXX has now charged my account {$800.00}. Stating that I am in violation of their 3 year contract. I spoke to a rep on XXXX and she assured me that the issue would be taken care of. I then called today XXXX to follow up and I was told by XXXX XXXX ( XXXX ) that she could not remove the {$800.00} charge from my account. I also received a letter from Credit Management LP and the debt has been placed for collection. I have been a loyal customer for over 10 years and I find this quite threatening that XXXX would treat their loyal customers with such disrespect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS ACCT DOES NOT BELONG TO ME FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as SSN and DOB in order for it to appear in your personal credit file. The Credit Bureau has not updated the information and per the new law, true Bankruptcy listed does NOT include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Halsted Financial Services, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My sister took out a high interest loan with this company, then lost her job and defaulted on the loan. I am not a party to the loan in any way, shape or form. The company somehow figured out I am her sister and started calling me. I have received more than ten calls from a variety of telephone numbers. One person asked for my sister by name and when I explained I am her sister, they blasted very loud and menancing music into the receiver. Another time, a recording asked for my sister by name. Now they call frequently at all hours. My research indicates it is illegal for collection agencies to contact debtor 's family members, but they keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security Number, Address, Birthdate, Driver 's License Number, and possibly more. They allowed a data breach to occur inXX/XX/XXXXand they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation