milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An identify thief stole my information because my husband was hacked because he has a XXXX XXXX XXXX - along with about XXXX other families. XXXX incompetently ran my credit report for the thief. Thankfully, they did n't issue a card, but the inquiry hurt my credit score. I have asked EQUIFAX over a dozen times to remove the inquiry. They have also been asked by XXXX to do so numerous times. Equifax does n't answer the phone and their emails are spam, and they obviously do n't read their mail. They have made no attempt to help whatsoever. 

What is the fine for ruining my credit? My credit score was impacted, and this could potentially have created a higher rate on a car loan or other forms of credit. 

What are my rights and what can you do to make sure this does n't happen to others. Equifax should be fined at a minimum, but those fines should go to the people being impacted and ignored ... ..not to more government incompetence. This would n't have happened in the first place if people like XXXX would secure their servers .... 

Additionally, XXXX says it is their policy to run the credit report BEFORE verifying identity. This seems to be backwards. If this is an allowed policy, it should be changed immediately given that it is nearly impossible to get the inquiry, which negatively impacts your score, removed. 

After weekly calls to XXXX for over 2 months, they are saying that they ca n't find the proof that they sent the request without going to their archives for the fraudulent application. A person named XXXX is supposed to call back within 24 hours to get me their proof that they followed through ( like the other XXXX people who never called back before her ). 

I am copying my Congressman. Let 's see how this new XXXX works - I 'm interested as a tax payer to see this in action - and if it does n't work, it is a huge agency and we should shut it down. It certainly has been a disaster for the mortgage and title industries - let 's see how you do with credit reporting agencies. 

XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Mortgage (Conventional fixed mortgage) with RP FUNDING INCORPORATED (FL).
Issue: Application, originator, mortgage broker

Complaint: I contacted RP funding in XXXX to compare their rates with many others. I let them know that we were shopping for rates and considering a 15 or 30 year term with or without cash out, based on what the appraisal came in at. After a few days XXXX reached out to me to offer RP Funding 's rates on the scenarios I mentioned. Since their rates were higher than XXXX, I asked about their Best rate guarantee and forwarded them the quote I had received. XXXX said he would send it over and get back to me. He quickly switched from emails to phone calls to let me know that they were unable to match the rates I was quoted from XXXX XXXX and I was eligible for the {$1000.00}. I asked what I had to do for the {$1000.00}, and XXXX told me that if I indeed closed with this company I would be eligible for the {$1000.00}, they would need the disclosures and he would send me the forms I needed. I emailed XXXX the disclosures and continued to ask for the forms, and anything else that I would need to follow proper procedures. I continued to keep XXXX updated as to our upcoming closing and even continued to ask RP Funding to beat the rate and earn my business. RP funding intentionally left out information that would have helped us and never referred us to or sent us any fine print until 4 weeks after being told we qualified. After closing and submitting the items requested, the company immediately started looking for a reason to disqualify us, first they incorrectly read the date and tried to say we locked our rate a month after contacting them, then they tried to say that we had submitted a quote from a different company which was simply the broker and the bank. It had taken almost a month before XXXX sent me the form and never did I expect we had anything to worry about. He was always very nice and friendly, he even referred to it as my {$1000.00} when he finally sent the list of documents I needed to include. My husband has worked in the financial industry and we were cautious about how we handled things, but this company never intended for us to be able to collect. The general public should be aware that this is just a sceme to collect information about competitors and then make it impossible for the customers to be treated fairly. The company stopped responding to me when I offered to provide any additional information that they might need and finally told me to just be thankful I got a good rate elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2015 about Debt collection (Medical) with Mountain Land Collections, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My Brother died in 2014. Mountain land collection is suing me for his medical debts.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Discover Student Loans reported in error to XXXX and XXXX that my account was in bankruptcy. I have never filed for bankruptcy. Due to their mistake, I am at the risk of being disqualified for home mortgage, despite my credit score that exceeds XXXX. When I called Discover Student Loans about this, and requested that they write a letter clearly stating their credit reporting error, which my mortgage lender requested to process my pre-approval, I was told that they do n't have a form letter approved by their legal department to write such a letter. They instead sent a letter that simply states the status of my current loan and terms. That is not what I needed or what my mortgage lender asked for. In the meantime, we sold our house and need to move out in a month. We wo n't be able to make an offer to purchase our next house unless this credit error gets resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (VA mortgage) with Ditech Financial LLC (IN).
Issue: Settlement process and costs

Complaint: I am shocked of the w ay Ditech keeps prolonging my case and scheduling new sale dates. I was denied previously because Ditech stated there were liens in my tittle. However I fax Ditech o n  XXXX / XXXX / XXXX  prove so they can reevaluate my loan and approve my Deed in  Lieu. I fi le bankruptcy on  XXXX   XXXX ,  XXXX . Stating all liens were cleared and satisfie d. Ditech is  refusing to provided me prove of the liens that are showing on my tittle. I am tired  Ditech is just taking advantage of me because I am an elderly man. Please help me I h ave an active sale date for  XXXX   XXXX ,  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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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 attempted several times to rectify my issue with XXXX  and Transunion regarding a collection account that is showing open from collection agency XXXX XXXX account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with XXXX  and Transunion and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.

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 10-11-2017 about Student loan (Private student loan) with AES/PHEAA (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am actually the co-signer for this loan and we are trying to pay it off. I sent American Education Services who services the loan an extra {$500.00} payment over two months ago. It NEVER got applied to the principal and they pretty much have no idea where the money went. All we are getting is a " runaround '' about it. I would love to just pay it off but am scared they will " take '' that money as well. I have looked online and have noticed NUMEROUS problems others have had with this loan servicing company. Someone really needs to " audit '' this company. Every time I turn around they keep charging us extra interest and we setup automatic payments yet most goes towards interest. We put a request in to increase the monthly payment way before the amount would have been taken out and they " purposely '' just skipped the next month 's payment just so more interest could be charged. They may not be doing anything illegal but I believe they are highly " unethical ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (WV).
Issue: Fraud or scam

Complaint: RushCard pre-paid debit cards had an update that was told to its customers in an email would only last five hours and be over XXXX on XX/XX/2015-Now we can not get on their website, call them, or contact them. Everything stopped working. Today is XXXX/XXXX/15 and its my payday and my funds are n't on my card. I was able to finally get through last night and the representative told me my direct deposit was pending and it would be placed on my card within 1-2 hours. Its the next day and nothing, phone hangs up or is silent when you call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it my concern : My name is XXXX XXXX XXXX, I have Loan with Select Portfolio Servicing, Loan # XXXX and I have a complain the way SPS is handling my situation and the way how they have been treating me. 2 years ago I was in a crisis I went for a long divorce process and my employer reduce my working hours due to slow economy in that time I was also fighting my child visitations rights, I had to paid a lot of money to attorney and to the court. I started to get behind with my mortgage payment and I asked Select Portfolio Servicing for help asking for a Loan Modification program or any other relief available. It is very hard to deal with Select Portfolio because they are always sending me to different departments with the manager of the manager of the manager etc. they request the same information many times, I have been sending this information by Fax many times once they have the information that they requested from me, they asked me again to faxed and a week later the call me to request another information that it was send on the package. I have been doing this over and over and over for the past XXXX years. I have sent all the paper they requested and after I sent all the information they require something else like another paper, another document that has been already sent or a new document. There is no help from Select Portfolio, I am frustrated and stress and I feel Select Portfolio is not taking my situation seriously and also feel they are laughing in my face. I believe this actual Government Administration gave relief money to the banks and to Select Portfolio to help people like me in this Crisis. I am very stress every day because I do not want to lose my home my kids live there. I am XXXX Citizen and I 'm wondering if Select Portfolio does n't want to help me because I am XXXX XXXX I feel discriminated by Select Portfolio Servicing. 

XXXX published on XXXX/XXXX/2015 " Select Portfolio Servicing former employees : We were told to lie '' the article is based on employees of Select Portfolio routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure. 

I think somebody is expecting a bonus if the push me into foreclosure. This is not fair for me and my familyThank youSincerelyXXXX XXXX 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 10/22/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Problems when you are unable to pay

Complaint: XX/XX/XXXX I purchased a vehicle. My first purchased vehicle I paid off after 4 years with a 14.9 % interest rate. The lender of my second purchase was Americredit XXXX Later, bought by GM financial. After paying {$20000.00} of the {$25000.00} loan with a 19.9 % interest rate and a {$340.00} monthly payment. My vehicle was repossessed. For 2 years I paid on time, initially I was told after paying on time for at least 2 years I could refinance. That never happened. I became unemployed from XXXX. I informed Americredit/ GM financial of my employment status and continued to pay what I could, when I could in a timely manner. I would pay what I owed along with any late fees incurred. XX/XX/XXXX I worked a temporary job for the winter. I was able to catch up on my payments. I even made early payments toward my principle amount. The lender regularly accepted post-dated payments over the phone. On several occasions the lender would refuse to take partial payments, including the website. My vehicle was repossessed despite my attempts to remain in good standings with the lender. The lender has now sold the debt to another company, further damaging my credit. I have recently learned about XXXX and how minorities were targeted for higher loans. Online I have discovered many others who have went thru the same process as I have.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Wells Fargo contacted my phone in attempts to bring my joint account with my husband up to date. I told them i was aware of the over drafted account but due to the sudden loss of my mother, i lacked funds to bring the account up to date in order to pay for her funeral. I told them not to contact me not my husband because i will bring the account up to date when my husband i returned home from her funeral and there was simply no need of a reminder. They responded and said okay and within the days they reached out to my husband several times and i finally answered the phone reiterating that i demanded you all not to contact us during our time of hardship, we were aware of our debts and when we had the money which would be next week, we would replinish the account. I am already emotionally distraught due to my mother 's passing and their constant harassment is not helping.

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 07/20/2016 about Mortgage (Conventional fixed mortgage) with GULF ATLANTIC FUNDING GROUP INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: Gulf Atlantic Funding should not allowed to do business. They lure you in with a supposed personal loan rep who gets a commission but never helps you. XXXX XXXX was supposed to get a mortgage for myself as well as some of my clients. I am a realtor. This was a complete nightmare with lies and months of no help or return calls. Almost losing the deal on the house for my clients!! And hours and hours of hunting them down only to get more lies and no help. Many changes to your costs last minute when you are desperate to buy the house..Like armed robbery without the XXXX. XXXX XXXX was the rep who was an absolute nightmare!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: I paid mortgage for the month of XXXX and XXXX 2016 with XXXX separate checks of {$600.00}. I continued to receive statements claiming I was late. So I called and was told I left off XXXX per check. So I made payment and was told system will automatically know correct payments has been made and will apply payments accordingly. I was told will take 5 business days. After 3 weeks later they are still holding my mortgage payments in unapplied funds and charging me late fees. I have called several times to get this issue resolved to no avail. Please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax apparently removed XXXX incorrect addresses off of my credit report. However, they have refused to correct the current address on file without my faxing or mailing them personally identifiable information. I am reluctant to fax or mail the documentation requested. because I am concerned my documents could be intercepted in the mail, or made available to an untrusted source if the documents remain unattended on a fax machine. I requested the option of emailing the documents, and Equifax refused. They also would not guarantee the safety of my documents. Equifax also refused to provide me with the source of the incorrect information, so I was unable to coordinate address corrections with that so-called reporting source. It is unfair that our official records and credit score is based on credit reporting agencies that are not under the scrutiny of a federal agency, and consumers are forced to go through hoops and jeopardize our personally identifiable information to correct errors of the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I went online to make a XXXX payment a on my Chase credit card and accidentally used a XXXX account that was not my bank account ( my name isnt on this account ) to make the payment. That day when I discovered my mistake I immediately called Chase and had them cancel the payment from the XXXX account. They cancelled the payment and also reversed the payment so they ended up depositing an additional XXXX to that XXXX account that was not my bank account. When they discovered their mistake they charged my credit card account for the XXXX they mistakenly deposited into the XXXX bank account. I have NO access to this bank account and have NO way of recovering the XXXX that THEY deposited into someone elses bank account. They are charging me for their mistake and after speaking with the floor manager at Chase ( XXXX ) he informed me that they would not take the XXXX that they added to my credit card balance to make up for the money they put into someone elses bank acocunt off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Consumer Loan (Vehicle loan) with Innovate Managed Holdings, LLC (FL).
Issue: Managing the loan or lease

Complaint: I paid my car payment 10 days past the due date in the month of XXXX 2016. The creditor ( innovate XXXX ) reported a 30 day past due on my credit report. 
I have communicated, but they have not taken any action, to resolve. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Student loan (Non-federal student loan) with ACS Education Services (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have recently contacted ACS Education Services to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, ACS Education Services will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.

Company response to consumer: Closed with explanation