milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to XXXX find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: An account is listed on my Transunion Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Transunion has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX   I have contact Transunion multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  Civil Court Judge  that this case was Settled on   XXXX   XXXX   XXXX   A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account. Under the FCRA they to have properly verified the accuracy of an account listed on 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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I received a notification from Experian, XXXX, and XXXX notifying me that an update had occurred on my credit report. After logging in and checking the update I was alerted that my credit score had drastically dropped and 8 of my XXXX XXXX XXXX XXXX had been updated to show late payments as of XX/XX/XXXX. I contacted each bureau and was told by each one basically the same thing that the creditor reported the update. I then proceeded to contact the creditor, XXXX XXXX XXXX, I spoke with a CS agent by the name of XXXX on XX/XX/XXXX at XXXX. After verification of all my personal information I informed XXXX that according to all 3 credit bureaus my account had been reported as of XX/XX/XXXX as a late payment and it was negatively affecting my credit which i was working to restore. XXXX then informed me that according to my account they had NOT updated this information with the credit bureaus and because my accounts were included in my bankruptcy they could NOT update ANY information on my accounts with the credit bureaus. I asked her could i have this in writing since the bureaus were giving me the run around about it and she informed me that just as they could not give ANY information to the credit bureaus they could also NOT provide me with anything in writing. She said they could only send a letter to the attorney that handled my bankruptcy case. I informed all 3 credit bureaus of this and they still REFUSE to accurately update my account so this negative impact will be removed from credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I made an extra payment online through Navient Corporation online bill pay for the amount of {$10000.00} for which I had designated all to go to the principal. Instead Navient Corporation took the majority of my payment ( {$8200.00} ) and rerouted it to my accrued interest. The remaining amount ( {$1700.00} ) was applied to my principal. I contacted Navient about this issue shortly after XX/XX/2014, I was told the online bill pay system allocates the distribution of payment, regardless of how the payor designates payment. Therefore it was projected to me as if this was final and I could not redistribute may payment as it was already processed. This was very frustrating and made me feel at loss. I was living on a limited income with a very large loan amount. My total student loan amount is currently {$210000.00} with an interest rate of 6.8 %. My credit score has taken a hit because I had difficulty making some payments after I had paid such a large amount in hopes of reducing my monthly payments but to no avail my monthly payments continued rise. These practices make it impossible to payoff loans, it makes well intentioned individuals lose hope in paying their loans off.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My personal information my have been part of the Equifax hack that has recently happened

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I was issued a credit due to me by XXXX the refund was sent to a closed XXXX cc account. Instead of returning the funds to the issuing company so that they could send me a check, XXXX XXXX sent the funds to a collection agency that they had sold the discharged debt to, PYOD. The debt sold to PYOD was discharged in a bankruptcy in XXXX of XXXX. The issuer of funds and I were shocked. We got the run around for a while. Several calls into the hunt, we were able to find that a collection agency company called P.Y.O.D has the money. They stated in XXXX way call to myself and XXXX at XXXX that they were able to keep bankruptcy discharged money because I volunteered to give it to them and they did n't ask for it. I explained that I never sent it to them and it was not ok with me. I asked who the other companies were that I was routed through in tracking down the money and got the following run down. 
XXXX sold the debt to POYD, who is managed by Resurgent Services and that they are all under the umbrella of Sherman Financial. The debt was skid on XXXX/XXXX/XXXX. I did n't really know what all that meant so I am including XXXX and all of other company 's names included as I am not sure which ones are considered collection agencies! XXXX sold the debt to the collection agency the same month it was discharged, well after they were notified of the bankruptcy. I am including a copy proof of the discharge and the XXXX account numbers and balances that they collected in XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Mortgage (Other type of mortgage) with Servis One, Inc. (UT).
Issue: Trouble during payment process

Complaint: The mortgage was originated back in XXXX of XXXX with XXXX XXXX and later acquired by XXXX XXXX. The note reads " FIXED RATE MORTGAGE NOTE ' Pick-A-Payment Loan ''. In XXXX I was forced to file Chapter XXXX bankruptcy, due to some Real Estate investments that went bad. The BK plan was for me to pay my mortgage payment to XXXX XXXX directly each month, while also paying the trustee {$960.00} each month as well. I did this for the whole 60 month term, and was discharged in XXXX of this year, XXXX. That same month XXXX XXXX transferred the note and servicing to BSI Financial. I have been trying to reconcile with BSI ever since, and just yesterday they gave up and explained to me that they could not explain their records. They sent me a copy of the note and what they are calling the mortgage history from XXXX XXXX, which is not decipherable. The agents final comment was " this is all we can do ''. This is why I am coming to CFPB for help. Some of the issues I am trying to resolve with XXXX and BSI are : Inaccurate accounting on the part of XXXX XXXX regarding claims for delinquent payments that I can document as paid Changing the mortgage payment before the anniversary date as outlined in the note ; a clear violation of the terms of the note Erroneous principal balance, overdue payments and deferred payment data from BSI that they cant explain * Nothing but confusing records and mortgage history ledger which cant be understood or explained by the servicing companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX EOSCCA XXXX XXXX XXXX XXXX, MA XXXX Re : Acct # XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, XXXX which you claim I owe {$2400.00}. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity  of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems when you are unable to pay

Complaint: Wells Fargo Dealer Services did not handle my repossession properly. According to the State of Texas UCC 9.506 & State RISA XXXX MVISA statutes a deficiency can not be claimed unless all of the required notices were properly & timely given. As well as all allowable redemption & cure time limits were adhered to. Wells Fargo failed to followv these requirements. I have contacted this company with no response to my request of proof of these noticed being sent due to the facts that I never received them & continued to get mail at the original address listed on my loan. After leaving that address I then had my mail forwarded. However if the notices were sent & received or sent & returned they should have proof of this. Which I 've asked for.

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 07-06-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: To whom it may concern, I 'm writing to you with the hopes that you will be able to assist me and my family with an undocumented and improper sale of my home. I have worked tirelessly for the last two years, submitting documentation, fulfilling every request on behalf of Carrington and those requests have gone unanswered. <P/>I have been misdirected, misinformed and flat-out lied to. I 'm well aware of the fact that Carrington has a very dubious and nefarious reputation with homeowners and I have been subjected to this same. <P/>Below, is a timeline of all of my efforts to resolve the Foreclosure matter amicably, with Carrington. At this moment I am post-sale - the sale occurred on XX/XX/XXXX, but I 'm hoping that you will be able to convince them to vacate the sale and come back to the table and negotiate with us. <P/>I 'm in a financial position now where we can meet our obligations with them. My contact information is included in this complaint, but my cell phone number is - XXXX. <P/><P/>Thank you! in advance for your assistance with this XX/XX/XXXX- Starting having marriage problems XX/XX/XXXX - Became unemployed XX/XX/XXXX - RMA package sent XX/XX/XXXX - Letter received from Carrington requesting benefit award letter, lease agreement, RMA form, and expences. Proof of occupancy and food stamp/welfare award letter. I spoke with them on the phone and they said all forms were good because of no leasee or receiving food stamps XX/XX/XXXX - sent revised RMA package XX/XX/XXXX - Carrington canceled the RMA via phone XX/XX/XXXX - became employed still kept phone contact with Carrington XX/XX/XXXX - Paid 3 months of mortgage payments XX/XX/XXXX - laid off from job because of slow work XX/XX/XXXX - RMA started, again XX/XX/XXXX - received letter from Carrington needing most recent bank statements, rma handsigned and dated form, and P & L statement for 3 months XX/XX/XXXX - Sent P & L,XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX bank statement, and handsigned form XX/XX/XXXX - letter from Carrington needing VA benefits and P & L ( letter of explantion ) XX/XX/XXXX - sent payroll from XX/XX/XXXX-XX/XX/XXXX, VA award letter, letter of explation, XXXX tax form XX/XX/XXXX - letter from Carrington. Notification that they did not receive all documents needed to complete review/ cancelled modification request. However, they did get all documents requested. They also canceled. the RMA without my knowledge saying my VA award letter was outdated XX/XX/XXXX - received debt collection letter from Carrington XX/XX/XXXX - recieved fair debt collection letter from XXXX and XXXX XX/XX/XXXX - certified Letter in mailbox dated XX/XX/XXXX from XXXX and XXXX stating the property is scheduled for sale on XX/XX/XXXX at XXXX XXXX XX/XX/XXXX - letter from XXXX XXXX XXXX XXXX - Notice of demand for possession

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX Transunion removed XXXX inquiries from my credit report. I received alerts from numerous sites which I use to track my credit progress. About a week later they added the inquiries again. I called regarding the unlawful reinserting of deleted information and after being placed on hold for 2 HOURS they tell me they are only removing XXXX inquiry. I have called 3 times with no help. These are the companies and inquiry dates that they removed and then added back added back XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. 

I attached the report where they removed the inquiries on XXXX/XXXX/XXXX and if needed I can show the report from when they added it which was XXXX/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 non-monetary relief
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with MB FINANCIAL, INC. (IL).
Issue: Account opening, closing, or management

Complaint: Our bank for decades ( XXXX XXXX, XXXX XXXX, IL ) was absorbed by MB Financial. Their online system does not provide the same service as the old system, which is okay, I can do things manually. However, I need my ( XXXX ) statements every month and they now want to charge me {$3.00} apiece to have them mailed to me. This is a small business account and comes to XXXX pages a month. How can they be allowed to hold my information hostage in this manner?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, 2016 I went in to XXXX XXXX XXXX because I was told that I could finance using my XXXX. I was approved by Capital One Auto Finance to finance a vehicle with a down payment of {$4500.00}. I paid my down payment on XXXX XXXX, 2016 ( {$2000.00} in cash and {$2500.00} on my credit card ) and received a receipt from XXXX XXXX XXXX. My first payment of {$410.00} was dues on XXXX XXXX, 2016 and I paid this on time. The vehicle was towed by Capital One Auto Finance and I received a letter from them on XXXX XXXX, 2016 which stated the vehicle was taken back, " because you broke promises in our agreement. '' I called Capital One Auto Finance to find out why exactly the vehicle was taken from me. They informed me that they could n't finance someone with an XXXX because it was against their policy. I asked how they could approve me to begin with and then accept not only my down payment but the first month 's payment as well. And on top of that, I asked how they approved me for a credit card through Capital One Bank ( at the time I banked with Capital One - I 've since closed my accounts ). They were unable to explain why. I asked when they were going to refund my down payment and first month 's payment and they stated they would n't. I expressed that if it is against their policy to finance people with XXXX then they should approve them in the first place and then take their money. I called Capital One Auto Finance 's fraud department and they also told me that they were not going to return my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (DC).
Issue: Application, originator, mortgage broker

Complaint: OnXXXX XXXX, 2015, PHH Home Loans , LLC stated to the Consumer Financial Protection Bureau in writing that, " Our records indicate your loan application was preapproved based on verbal information you provided the Loan Officer. '' ( please see attached ). This is completely false. PHH Home Loans is establishing a history with providing false statements to justify their wrongdoing. I am providing documentation to prove that I provided legitimate documents ( in writing ) via email to the loan officer ( XXXX XXXX ) on XX/XX/2015prior to receiving a pre-approval letter. My written information that I provided the loan officer included documentation from XXXX/Tax Information ( that listed my employers for two years ), pay stubs ( that listed my current income and employer ), bank statements ( that also listed income from my employers ), and paid in full letters ( please see attached ). The loan officer also did a hard inquiry and pulled my credit report on XXXX XXXX, 2015, which I had over XXXX credit scores from all three credit bureaus ( please see attached ) prior to issuing me a pre-approval letter. I provided all of these documents ( please see attached ) to the loan officer for her to analyze as stated in their application process prior to receiving a pre-approval letter onXXXX XXXX, 2015 and XXXX XXXX, 2015 for different loan amounts ( please see attached ). They also made false statements regarding my previous employers. Further, to justify their false letter to the Consumer Financial Protection Bureau, PHH Home Loans , LLC intentionally provided Consumer Financial Protection Bureau with the false Statement of Denial that misrepresents incorrectcredit scores they have stated in the XXXX 's and XXXX 's and incorrect credit information, which it 's Operations Manager admitted in an email was an incorrect ( please see attachments ). PHH Home Loans , LLC has intentionally provided false statements to Consumer Financial Protection Bureau just like they provided false statements and misrepresentations as to why they denied my home loan. 

PHH Home Loans also stated in its XXXX XXXX, 2015 letter that FHA requires borrowers to provide a statement. I am providing documentation from FHA guidelines, which do not state this at all. Once again, PHH Home Loans provided false statements Consumer Financial Protection Bureau to justify their actions. If PHH Home Loans , LLC had legitimate reasons for denying my loan ( which it does not ) and if they denied me based on honest reasons other than my race, then there would be no need to come up with and make false statements and misrepresentations as to why it denied my loan. PHH Home Loans knows that I qualified for my loan at the time of my initial application ( XXXX XXXX, 2015 ) that they are refusing to allow me to have based on their false information, which had caused me to be homeless.

Company response to consumer: Closed with explanation