milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax Information Services , LLC . refuses to send a updated and corrected copy of my consumer credit report and file to XXXX, XXXX and XXXX , XXXX. 
The XXXX National Consumer Credit Reporting agencies ...

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company will not automatically terminate my Private Mortgage Insurance even though the balance of my loan is well below 78 % of the purchase price of my home. They want me to authorize and pay for an appraisal which according to the law should not be necessary and I have refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We currently have a loan with Bayview Loan Servicing. Our loan had been sold to Bayview from XXXX bank, which they are in their full right to do. We had requested a loan modification in XXXX 2016. We had provided all the requested documentation and final tax document that they requested. We faxed and emailed to the loan modification person. Then she left and then we were assigned to another loan person. I again was asked for the same information that I had already provided, which I did again. Then I kept getting letters asking for the same information again. I have tried calling and emailing the loan rep numerous times without any return call or response. I even tried to get a hold of the asset manager and left messages, again with no return call. I finally gave up on my loan modification as they refuse to respond to me. We are only one payment behind. I need to know what my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XXXX/XXXX/XXXX, I received a mail letter from US Bank, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with US Bank, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact US Bank Card member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.

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 06/25/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a home modification loan through Wells Fargo in XXXX 2014. Wells fargo stated that I would have a trial period of XXXX months to see if the payments were affordable and if i would make the agreed lower payments on time. Payments were made early and on time for three month trial period. Wells Fargo claims that payments were no records as on time till the loan modification was approved in XXXX 2014. Therefore XXXX through XXXX payments were recorded as being 120 days overdue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Vehicle loan or lease (Loan) with First Investors Financial Services Group, Inc. (NC).
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'm writing about my account with XXXX XXXX XXXX XXXX. Last year, XX/XX/2017, I fell off the back of a tractor trailer and XXXX my XXXX in XXXX, XXXX my XXXX, my XXXX XXXX ( in 2 places, and my XXXX ( in 2 places ). 

I struggled to keep up with my bills as I rehabed. XXXX did not offer any accident insurance but never reported me late in payments.

I have been blessed to have returned to work in just 12 months and attempted to refinance out of this high interest loan. For the first time XXXX started reporting late payments after I requested a payoff effectively locking me into the loan.

I have made 2 payments last month and the company is still reporting that I am not making payments.

I requested a correction from all 3 credit bureaus and XXXX reported the payment history even worse.

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 07-07-2015 about Credit reporting () with National Credit Systems,Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was at the end of my lease agreement, and I move and left the apartment in good shape.I also paid a XXXX pet deposit to them for any damage, but there was none and I did n't receive no money back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management XXXX XXXX XXXX collection agency This company calls using a robo-caller and when I answer, the line is dead ; no one is on the line. We have been getting these and other calls for about two months. I called the number back and got this information. I have no debt for collection. My best guess is that I just got this new phone number and maybe the previous owner of the phone number was a deadbeat, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I am getting Navient setting up payment schedules while in deferment for my master program with University XXXX. XXXX has changed their program for leaving dates between and it will respond for 14 days between classes for an exit interview that is notifying Navient for a scheduled payment. This is happening all the time since University XXXX scheduled classes between other classes while trying to complete a certification program with another school, XXXX. So, I am currently in school and pursuing XXXX certifications between classes and have provided Navient of both records for XXXX and University XXXX. Also, I thought I had six months after my exit with University XXXX before any payment schedule begins. This is what is posted on FAFSA repayment website. This is a form of harassment since I am in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Dear Sir or Madame Equifax has repeatedly reported my name incorrectly, with many different variations, which has affected other organizations being unable to access my credit report. 
Attached are several older Equifax reports which show these incorrect variations. 
Equifax Report XXXX XXXX XXXX XXXX XXXX. 
Equifax Report XXXX XXXX XXXX XXXX On XX/XX/XXXX I faxed Equifax identification such as driver licensure, social security and utility bill. 
About 3 month ago, I mailed in identification, which an Equifax agent stated they did not receive. it. 
Therefore, XX/XX/XXXX using certified mail, I resent Equifax my identification of driver licensure, social security card and utility bill. 

Enclosed ; A ) Dispute Letter Sent to Equifax B ) Old Equifax credit Reports XXXX and XXXX C ) Supporting ID documents sent to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My payment was due on XXXX XXXX, i made my payment on that date, and it was n't processed until the XXXX. i called and they are telling me they are central time and they cut off is XXXX cst. i am in Arizona so i am MST time zone. i was n't aware of any cutoff but the rep stated they cut off payment at XXXX XXXX CT. however, their web page is XXXX XXXX CT. i had asked to speak to a supervisor about this and was told I can get a call back within 48 hours. the issue is one i paid my bill on the due date. 2 their times are inconsistent. now i got a late fee for {$38.00}.

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 10-02-2016 about Consumer Loan (Installment loan) with BB&T CORPORATION (FL).
Issue: Taking out the loan or lease

Complaint: We had a line of credit that expired. We were under the impression that the balance would be turned into a fixed loan since the bank would not renew the line of credit. we got the fixed loan after all. BBT wrote us a fixed loan to repay the line of credit. this is fine. we always made our payments on the line of credit above what was requested on our statement. we have our checking and savings account with them. our complaint is they approved the loan with a 7.24 per cent interest rate which we understand is about three points above prime. our line of credit was at XXXX per cent. we thought the 7.24 was high but the bank would not budge. the loan is for 180 months and with this rate it will be years of mostly interest before we get to much going on the principal. we signed somewhat under duress because if we had not signed we would have gotten locked out of the offer which would have caused us to go bankrupt which we do n't want to do because we have worked hard for years to keep our credit in great standing. this incident makes us feel like a great credit rating means very little to them. our condo is now having work done which required a large assessment which the bank knew and now this loan with the high interest has really hurt. we have no problem paying if because we owe it but thought the bank could help us out with a lower rate. can anything be done to help us? we are regular working people trying to get by. we have been good customers of BBT since they acquired XXXX a few years back. 
Thank you for any assistance you may provide. 

XXXX and XXXX XXXX BBT Branch office on XXXX in XXXX 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 07/18/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have submitted several written disputes with the collection agency asking them to remove the fraudulent information they have reported . Midland Credit Management is  stating that I owe  XXXX   XXXX   XXXX  {$670.00}. This information is false. I have never had a account with  XXXX   XXXX    XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureaus and  Midland Credit Management  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  Midland Credit Management to collect t he debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following secti on 16 of  the FCRA -Documented proof showi ng payments we re made by me on this line of credit -Documented proof showing the dates within the credit file are correct -Documented proof showing the debt collector is the second collection agency to purchase this debt following FCRA guidelines.      Midland Credit Management  has falsified their reporting and the credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I refi'ed my mortgage with XXXX. I had no issue with them. They sold it to Nationstar. NS immediately tried to force me into their homeowner 's insurance. I had it already with XXXX. They then tried to force me into flood insurance. I already had it with XXXX. Now, they are sticking me with " gap '' flood insurance. They insist on {$2400.00} right away and they are boosting my monthly mortgage payment from {$700.00} to {$1200.00} a month. Repeated calls and letters are useless with them. In checking with the XXXX, they are not accredited and have an " F '' rating. They are terrible! This useless " gap '' insurance will cost me an additional {$15000.00} over the term of my mortgage and I have no right for refusal. They " claim '' I agreed through " terms and conditions '' even though that agreement was with XXXX, not them. It is forcing me to consider another refi 12 months after I just did it. This will cost me {$3000.00} but it saves me {$12000.00}. I could pay off mortgage but would get hammered XXXX by income tax. ( XXXX with withdrawl, XXXX with the boost in % income tax bracket )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (WA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I opened a new XXXX XXXX credit card in XX/XX/XXXX and made few purchases. In XX/XX/XXXX account representative XXXX XXXX blocked my account without explanation. In conversation with me he said that I " don't use the account '' but my explanation that I use the account for purchases on XXXX wasn't considered an acceptable explanation. 

Right now the card is remaining blocked and I can not make purchases on the card. 

XXXX XXXX asked for additional information regarding me ( social security card, driver license and business license ) but he refuses to reactivate the account.

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 02/15/2018 about Vehicle loan or lease (Loan) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Car repossed by SECU on XX/XX/XXXX called on XX/XX/XXXX to see whats needed to return car. Was told {$440.00} past due plus {$75.00} repossesion fee and proof of insurance. XXXX minutes later got a call from same branch saying i had to pay full amount of {$18000.00} to get car back.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (KS).
Issue: Application, originator, mortgage broker

Complaint: We paid our re-financed mortgage off almost a year ago, got a letter of pay off and was told we would get a lien release mailed. No lien release has happened. CitiMortgage tells us when we call, that the account has closed. We need our lien release!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax continues to report an inaccurate account status on a closed XXXX XXXX revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Equifax is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Equifax has failed to update with the correct information or delete the account since it 's closed and outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion allowed 5 Unauthorized Credit Inquiries on my credit reports by : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and also by XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. 
I have written both companies twice on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. I provided them with a copy of the Police Reports to prove identity theft but they have n't removed anything.

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 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 sent TransUnion a letter on XX/XX/XXXX asking them to remove my PAID AND RELEASED FEDERAL TAX LIEN FROM MY TRANSUNION credit report. I received a response dated XX/XX/XXXX with results Verified as accurate. I did not dispute the paid and release was not mine. I ask that the information be removed as it is over the 7 years date. 

Per the information on the TransUnion web site and I QUOTE A tax lien can be one of the worst items to appear on your credit report. Its considered very negative and can cause your credit scores to drop significantly. Even worse, under federal law, unpaid tax liens can remain on credit reports indefinitely, though in practice credit bureaus may remove them after a decade or so. ( Once paid and released, a tax lien must be removed seven years from the date it was filed. ) My Federal tax lien was paid and released. I also sent the proof of this information to TransUnion and they have failed to correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CO).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX I changed insurance companies and notified Wells Fargo of the change. Since that date Wells Fargo has sent me letters requesting the new insurance. This documentation has been provided on a least XXXX separate occasions by my insurance agent. On Friday XXXX XXXX, my insurance agent was contacted by Wells Fargo and once again, the insurance was provided. On Monday XXXX XXXX I attempted to pay off the car loan and I was told that forced insurance had been placed on the vehicle. I now owed additional funds. Myself, my insurance agent and a WF agent had a XXXX way conference call and I was told that everything was taken care of. I was forced to pay an additional {$300.00} XXXX estimate ) in order to pay off my car loan. On XXXX XXXX, I was informed that my car loan was not paid off and that the process to get my title and the money I am owned could take several weeks. This is a deliberate and malicious attempt to keep money that does not belong to WF. In normal language, WF are stealing my money. WF will not release the title to my car, which means WF is denying me opportunity to sell my own property. The longer WF keeps my money, the longer they gain for having it and the longer I lose from not having it. WF keeps bouncing me from one department to another and no one seems to be in a position to offer help. One of the representatives I talked to admitted that this was a common problem. It is apparent that WF system is designed to make the customer jump through numerous hoops just to get their own money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am receiving calls from Navient from XXXX until XXXX. They call up to six or more times a day and even call me at work when I have ask them many times not to do so. I have tried to work out arrangements but they want more than I can afford. I need relief.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Getting the loan

Complaint: Bank of America fraudulently opened a checking account to someone using my name and social security number on X/XX/17. XXXX Bank of America made two fraudulent " hustled car loans '' on XXXX XXXX, 2017. One in the amount of {$61000.00} and the second in the amount of {$79000.00}. In all these transactions, a valid state form of identification was not produced, there was no income verification, no correct address associated with my name given, no phone numbers associated with me given, and no current place of employment provided. Bank of America refuses to disassociate my name with the loans in their system and has not in any way addressed the status of the open checking account. They indicated to me via phone that their were numerous red flags associated with these hustled loans.

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