milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2018 about Mortgage (Conventional home mortgage) with Option Funding, Inc. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: This is the second complaint I am filling for this company. The original complaint number is XXXX. Originally I was working with Option Funding on refinancing my home loan. We told them that we wanted a loan with the terms that we pay twice a month rather than once a month. This would reduce our principle faster so our 30 year loan would be paid off early. They agreed to find us a loan with these terms. Once we signed on the loan we found out that the loan was not set up this way and the lender would not make this change since this requirement was not stated in the terms of the loan. I informed XXXX XXXX at Option Funding and they said they would call the mortgage company to fix this. They said I could just make an extra payment at the end of the year but this is not what we agreed to when we signed up for the loan. During this time the original mortgage company sold the loan to another company who stated they would not make any changes to the loan since the terms were already set. Option Funding said they would try with the new company but never got back to me and is no longer taking my calls. 

The from the company through CFPB response was not true as they never contacted me about any offer of refinancing on this loan and never mentioned a bi-weekly payment center. Also this was a by monthly request at the beginning of the loan process and they agreed to find one like that. I reached out to the loan office repeatedly as did my relator with no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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: Information and referenced documentation was disputed with   XXXX   in  XXXX     2017  and It has been more than 30 days since the intital submission. The disputed information was regarding the    XXXX   XXXX   XXXX    and  XXXX  loans.  Information  was provided showing an open real estate account with  XXXX  that was not included on the report.    XXXX   XXXX   XXXX   c ontinued to report negative pay history while I was in an active Chapter  XXXX  bankruptcy.  XXXX  was asked to remove all negative pay history reported by creditors while I was in active bankruptcy status. Currently  XXXX  is not showing active and that current payments are being made. Negative pay history reported during the time I was under bankruptcy should not be on my report according to the fair debt collection practices act

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 07/14/2017 about Debt collection (Medical debt) with Smith & Smith Investors LTD (IA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I called this company and wanted to pay the {$86.00} debt on my credit report. I wanted to pay it so they would take it off my credit report and this lady told me I owed over {$400.00} and she would take my payment but she would n't remove the derogatory remark off my credit report but XXXX reporting was coming up and she would place debt on there that I have no records of. So I hung up on her and am now wondering what else I can do and if this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an outstanding hospital balance (   XXXX   XXXX    XXXX    )  from   XXXX   XXXX   XXXX     show up on my credit report. The balance has been paid but unfortunately between moving and etc. I do not have the receipt where I paid the bill. It is showing up on my credit report under  XXXX  different collection agencies. The amount showing due is {$500.00} I have never received any notice regarding an outstanding balance nor have I received any notification from a collection agency. The  XXXX  collection agencies are  XXXX   XXXX   XXXX  and WAKEFIELD. My  credit score  dropped  XXXX  points just this week due to this showing up this week.

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 10-10-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with RFNA, LP (TN).
Issue: Struggling to pay your loan

Complaint: I have lost my source of income and paying back amount is extremely difficult to payback. Company refuses to negotiate or lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: There is grave discrepancy on my Experian credit report that urgently need correction. I have copies of my current credit reports through third-party services like XXXX XXXX and XXXX XXXX, which clearly show the matter in dispute. This issue is depressing my Experian credit score by around XXXX points, when compared to my XXXX report, which correctly does not list the issue as a derogatory. All other information listed on my XXXX credit reports is essentially identical. 

In order to file the dispute with Experian, I need a " credit report number '' from them. However, each attempt to access it through Experian or XXXX fails to produce the necessary report with its " credit report number. '' I always receive an error " We are unable to honor your request, '' even though I have submitted the correct personal identification information multiple times, even from different web browsers. 

If third-party services can pull the current report on demand from Experian, there is no reason Experian itself should not be able to produce the report ( with the " credit report number '' required to submit the dispute ) with the identical personal information. 

This feels like a scam to get me to purchase some reporting service from Experian, which I do not need, except to report the mistake in their records. 

Please advise a path forward for either receiving the required " credit report number '' or to submit a dispute to Experian without it. 

Thank you.

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 04-10-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In short, for years XXXX XXXX, and now Naivent have refused to process my unemployment deferment request as per our contract, stating that the State Of Kansas must change the format of its Unemployment Benefits letter to fir XXXX XXXX Navients needs. While the letter includes my name, address, SSN and DOB, it does not include the " XXXX '' after my name. Their claim is that there could be a different person with my name, address, SSN and DOB, and therefore they refuse to process my unemployment deferment per the terms of our agreement. This has added XXXX dollars in interst to my loans over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX mortgage was transferred to Specialized Loan Servicing LLC earlier this year. I have been making my payments on time and in full to both companies since the loan was started. However I keep receiving letters from Specialized Loan Servicing LLC that I am delinquent on my payments. They have been sending me these letters since they have taken over the loan. I have had my attorney contact them but I still receive these delinquency letters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Deposits and withdrawals

Complaint: My husband deposited {$3500.00} into our joint checking account on XXXX XXXX ( Suntrust Bank ). The amount showed as a pending transaction, until I checked the account online the following Monday ( XXXX XXXX ) where I discovered the deposit had totally disappeared. I contacted a local branch and they initiated an 'investigation '. In the meantime my account was credited with a miscellaneous {$3500.00} and all resulting overdraft charges as a consequence of the missing deposit were refunded. Suntrust has not provided me with an explanation regarding the outcome of the investigation, nor has management responded to my complaint, or offered any compensation for the major error.

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 09/15/2017 about Debt collection (I do not know) with Clark County Collection Service (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On X/XX/17 I received a phone call from a man, who said his name was XXXX. He demanded that I provide my personally identifying information to him but refused to tell what the call was in regards to. I advised him that I would not provide that information to a stranger on the phone. He said that he was calling me from Clark County Collection Services but continued to refuse to tell me what the matter was in regards. I told him that he was required to send me something in writing. He claimed that he did something and I told him that I never received it and that he needs to send it again. He refused and continued to try and ask for my information. He then proceeded to tell me to come to his office in person while still refusing to provide anything writing. I told him I was not going to his office and I wanted something in writing. He hung up on me. I sent the company an email and let them know that I was filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Balance transfer

Complaint: I wrote a super check off of a credit card for {$9500.00}. My understanding was my monthly payment for the XXXX month special no interest, time period would be a minimum of 1 % per month. If the balance was not paid for at XXXX mo. end period, that rate would of course go up. 
I have called customer service XXXX 3 times. First statement said my monthly due would be well over {$300.00}. The rep told me that was not true, it would be a minimum of 1 % per month. Another rep told me the interest rate was 23 %. Another phone rep told me it was actually 2 % per month. I went to a local branch to speak in person and was told they would help. I requested documentation. After a couple of weeks they sent me a copy of my check which I do not need. I asked for a copy of the original agreement and they said that If I could not provide it, they did not have to. The bank rep said it was my fault. I asked if I could request a copy of my phone conversations from their service phone reps and was told they only do that for big customers. 
Things I was NOT informed of in writing : My first payment was to be the 3 % transfer fee. 
That they can demand different amounts monthly without notification. 
That the entire amount would be due at the end of the special offer. 
These points were defined in my original paperwork, which they refuse to give me a copy of. Last but not least, was the rude way, my bank of many years, Wells Fargo, treated 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 explanation
Consumer complaint received 10/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: When I had completed XXXX studies at XXXX in 2005, my student loans under XXXX XXXX  were I believe approx. {$20000.00}. I was eligible for Public Forgiveness Loan Program due to my employment in XXXX XXXX. I also deferred my payments while I entered XXXX XXXX at XXXX for an XXXX degree, to which I continued employment in XXXX XXXX field and confirmed continued eligibility for Public Forgiveness Loan Program. Eventually my loans were trasnfferd without my consent from XXXX XXXX to Naveint. Upon transfer, I confirmed my status of Public  Forgiveness Loan. However, multiple times since Navient has denied payment options ( fixed  versus income ). Navient has consistently quoted me of under {$700.00} per month!!!! Which is outlandish and unforgiveable. I have remained in XXXX XXXX and was confirmed at time of Navient 's transfer that I was still under public forgiveness Loan. I have had to have continuous deferments since I can not afford this, and I believe that this is fraudulent. That payment is APPROX HALF OF MY 30 YEAR MORTGAGE! navient can not justify how XXXX XXXX  month adheres to the stipulaitons of the public forgiveness loan program. I have refused to initiate contact recently due to lack of resolution and was so grateful when I finally heard about the lawsuits being filed against Navient for this exact reason. I have no trust in their services or word. And my credit has been negatively impacted along accured interest. to be resolved, I want my case to ( 1 ) be a part of the lawsuits against Navient, ( 2 ) repair credit score, ( 3 ) delete all accued interests based on their monthly quotes, ( 4 ) and an apology from Navient. this has been so overwhelming. I have dedicated my personal life and professional career to serve patients who are disadvantaged and to help protect them from the abuses and injustices of the system. And here I am, like many others, in the same ironic battle. Please help me. I am desperate for guidance

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Consumer Loan (Vehicle loan) with CarFinance Capital LLC (MD).
Issue: Taking out the loan or lease

Complaint: I have a vehicle loan that shows on my credit report from CarFinancewhich constantly reports me late and now show repossession. Also Myloan amount was for {$23000.00} and I have paid 20 payments at $ XXXX/mowhich is {$10000.00} and CarFinance is telling me that my balance is {$25000.00}. REALLY??? In addition, I have a letter from XXXX stating thatthey will remove the item from my credit but they are useless as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Medical debt) with State Collection Service, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: State Collection Service, debt collection company, reported {$1600.00} owed on my credit report for  Medical expenses. Date of service XX/XX/16. Original debtor/account was XXXX XXXX XXXX Hospital . 
I received correspondence from other debt collectors on the same account by mail. I paid the full balance owed, on this account, to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. In addition, the amount differed from State Collection Service. 
I called State Collection Service to let them know I paid this debt to another debt collector but they refuse to remove this from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? 

I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. 
I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. 
The name, address, and phone # of the original creditor, since you are a third party collection agency. 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.

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 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Recently noticed inquiries removed and then reinserted to my credit report NO NOTICE WAS GIVEN and this is a violation of my fair credit reporting rights ... the inquiries are XXXX, XXXX and 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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This company has inaccurate information on my credit report and I want it off my report. I contacted XXXX, XXXX, and Equifax on several occasions more recently on XX/XX/XXXX and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if the credit bureaus do not take this off my credit report no later than XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received an advertisement in the mail from Capit al One 360 S tating that if I opened a new ca pital one acco unt, entered the Code "  XXXX  '' and receiv ed 2 direct depo sits of {$250.00} or more I would received a {$400.00} account Bonus. I opened the account, I was targeted due to being a new resident in the  XXXX  area and I have received FOUR direct deposits since opening the account, as of today I have not received my bonus deposit of {$400.00}. I have called capita l one 360 multiple tim es and have received a difference answer everytime  I call. I have met ALL of the requirements and there is no reason for them to withhold my bonus any further. I feel as though capital one has defrauded me, I would have never opened an account with them if I would have know that they would give me the run around concerning an advertisement that they sent me. I just would like my bonus and to be able to have a good banking relationship with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I WAS UNDER LOAN MODIFICATION REVIEW TO BE CONSIDERED FOR A TRIAL PAYMENT BUT I JUST FIND OUT TODAY OVER THE PHONE THAT THEY DO NOT HAVE ANY PAPER WORK ON FILE I DO HAVE POST OFFICE RECIPT AND BACK ON XX/XX/XXXX THEY TOLD ME OVER THE PHONE TO WAIT FOR THE TRIAL PAYMENT AND NOW THEY SAID THEY DO NOT HAVE ANY MODIFICATION OPEN AT ALL THAT THE LAST ONE CLOSES BACK ON XX/XX/2014 THIS ANLAWFUL PRACTICES ARE GOING ON SINCE THEY BECOME THE COLECTORS ON THIS LOAN, ALWAYS ON A DUAL TRACK AND DECEPTIVE PRACTICES, MISLEADING ME OVER THE PHONE I NEED YOUR HELP TO SAVE MY HOME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Problems when you are unable to pay

Complaint: I was sued by Midland Financial and they ended up getting a judgment and I paid that, via a forced payroll deduction, then they came back on another loan and were relentless in their efforts, however ; this time I fought back although it pushed me into bankruptcy once the chapter XXXX is complete I will be free of this scourge of a company. I recently read there was a judgment that the company had to refund those who were wrongfully sued. I am inquiring about that, as I have heard nothing from Midland on this, and the first loan I feel I should get the refund. 

Encore and XXXX Must Refund XXXX Dollars and Overhaul Debt Collection and Litigation Practices

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My current lender is XXXX Mortgage. I sent a payment of {$1500.00} on XXXX XXXX 2015 which was deposited by mistake into Freedom mortgage 's account. I contacted freedom mortgage and their loan servicing dept contacted me on XXXX/XXXX/2015 and advised me that they had found my check and would refund my money first to Freedom Mortgage and then to my lender XXXX. 
To date XXXX the money has not been sent to XXXX. I have tried to contact Freedom Mortgage and XXXX servicing several times to find out the status of my refund with no success. I need to get this money sent to XXXX so they can credit my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation