milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (GA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: Ive repeatedly requested to have them to stop reporting any past due of {$59000.00} on a XXXX XXXX Account on my credit report. I continuously send information to them showing that the account was closed XXXX 2012. I do not have a past due balance, this is not a FHA Real Estate Loan, Im not in foreclosure. Every time I dispute the information, its taken off my credit report, then put back on a few months later. I have submitted a statement. The another credit reporting agency ( XXXX XXXX ) that pulls credit reports on behalf of FEMA submitted the information to Equifax and they refused change it .Im submitting the e-mail, copy of credit report, Letter from FEMA regarding credit report and Denial of employment regarding credit report Please block XXXX XXXX from reporting on this account. By the credit reporting agency allowing this to occur, I was denied employment from FEMA based on the derogatory information on my credit report. Im enclosing the supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted a request for XXXX, XXXX, and Experian to remove all of my hard inquires which were unrecognized. I personally called each company that I asked to be removed and was quickly advised there was nothing they could do because I do n't have an account or account number with them. I explained to all 3 the only permissible reasons for pulling someones credit is a Firm offer of credit, Insurance, court order or employment. What XXXX decided to send me was a generic response telling me what inquires were which I did not request an explanation of what inquires were. The other 2 agency 's sent nothing!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2016 about Mortgage (Conventional fixed mortgage) with BOK FINANCIAL CORP (CO).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2014 our loan was sold to XXXX XXXX out of XXXX, OK. Shortly after purchasing the home, we put in over XXXX of updates and remodel costs. I wrote to the company and was told that I had to have the loan for TWO YEARS before the PMI could be removed. It has now been two years and I am trying to request an appraisal so that I can meet the loan to value amount of XXXX % that the company requires. I just got off the phone with their customer service, and they have told me that they can not tell me the price of the appraisal ( even though I have to use an appraiser in their system ). I have to submit a letter requesting an appraisal, and then be bound to pay for it, without knowing how much it will cost me. I was told a supervisor can call me within 48 hours. It appears to me that the company is making it very difficult to remove the PMI and not disclosing appraisal rates. In addition, this year they paid my home insurance LATE out of the escrow account which created problems with my insurance company. My request is that I be given a cost for the appraisal before I request one from the company. I do not believe that their practice of requiring a commitment without knowing the cost is ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XXXX XXXX and XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the TEXAS ATTORNEY GENERAL OFFICE. That is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.

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 04/27/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Started  XXXX   XXXX , under  XXXX   XXXX , in   XXXX    . The institute continued to call for me to begin classes. I informed them because my background would impede my ability to secure employment. I was told it did not matter what my background was they would be able to secure me a job. Upon completion of the program, they were unable to assist me with a job due to my background.  XXXX  began charging me for the loan   XXXX   XXXX    .   XXXX  would no t pay for my certification. According to the intake process, they were supposed to cover the cost of the certification. A class action suit was filed again  XXXX  and  XXXX   XXXX  for defrauding a student. There was a misrepresentation of information. To date, they have not been able to assist me with employment based on the program I completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Consumer Loan (Installment loan) with Zenith Financial Network Inc (LA).
Issue: Problems when you are unable to pay

Complaint: I applied for an installment loan through XXXX XXXX ( XXXX ) close to a year ago and faultered on making regular payments due to medical and family emergencies. XXXX gratiously worked with me but the emergencies persisted and they sent my account for collections to ZFN & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, ( XXXX ) XXXX. While the representative assigned to my account was very accommodating and understanding her knowledge of recommended avenues to pay were lacking GREATLY! I was sent on a goose chase to find a magical debit card sold at XXXX where I could load more than {$500.00} at a time. My payment was to exceed that amount and to be taken out the next business day. She could not get her mind wrapped around the fact that I could have gotten ANY reloadable card where I could load {$500.00}, then the rest at same register back-to-back. I thought well maybe they ca n't take more than {$500.00} off at a time or something weird, along those lines. Hence, my having to take time off of work, getting chewed out by my boss, burning up the LAST of my gas for the month ( I only get paid once/month ) all to try and find this mythical card that no one at my XXXX has ever heard of ... REALLY??? THEN to top it all off, once I finally informed the lady of my woes she was willing to wait until I got paid for me to get the card. SERIOUSLY!!! THEN I got not 1, not XXXX, not 3, but 4 calls, IN ONE HOUR!!!, from another male agent and a manager at this agency to ask why I had not secured my arrangement with a debit card. Mind you, they had my screen up right before them as they were talking to me having full knowledge of the arrangement I had made with the other agent, AND I HAVE a debit card in my possession, an XXXX Serve Card ; but they do n't take that one! I do not deny the debt I owe with CC but there is NO WAY ZFN & Associates should be this ignorant of how to handle business and people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Credit reporting () with CCS Financial Services, Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I received a letter dated XX/XX/2017 from CREDIT COLLECTION SERVICES ( CCS ). The notice looks contrived and my name is not XXXX. I called experian, transunion, and equifax. Each advised me to call XXXX, an organzation which fails to disclose a legal entity name. MY SCORES HAVE DECLINED TO THE LOW XXXX from XXXX last week. My mother paid them {$380.00} to satisfy their demands. CCS has inaccurate information and XXXX coerced payment to calm me down. Please see attached. XXXX emailed me with a bogus link to click with the language : ACTIVATE EMAIL MESSAGING. The URL embedded is : https : //self-service.ccsusa.com/? XXXX & fi= & XXXX & XXXX & XXXX & XXXX & XXXX : % XXXX , % XXXX : % XXXX , % XXXX Attached are the only XXXX documents I have. Also, they asked for my social security number. When I uploaded these documents, a popup contained the term " fake path. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This will be second time I have filed a complaint regarding a collection account that originated from an account with XXXX. The first complaint yielded the removal of the collection account. 

There are currently XXXX collections agencies attempting to collect this deal all reporting on my credit report. The amount they are attempting to collect is twice the amount that I allegedly owe. All of the agencies are refusing to speak with me other than to say that the amount owed is correct. With my name being unisex they dont beleive that I am XXXX XXXX. I have attached my final bill from XXXX {$1000.00}. All of the agencies are attempting to collect over {$2000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2015 about Consumer Loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Problems when you are unable to pay

Complaint: I have been receiving up to 15 calls a day, at least three visits to my home, and numerous calls from friends and family that is being harassed by Covington Credit. Several weeks ago I had a car accident that has taken me out of work for approximately a month. I have explained to them on multiple occasions that I ca n't pay because I do n't have the income to do so. I have also asked them to stop harassing my friends and family, because I am injured and just ca n't pay at this time. The harassment has just increased and I am at my wits end. Yesterday I received a message from my boss at work and she stated that it was against company policy to receive multiple calls at work and receive mail at our work address. I told her that I was aware of that and she told me then that I had mail at work from someone and had been receiving continuous phone calls from covington credit. I need this madness to stop. It is impeding my recovery and causing great anxiety. This harassment has also put my job in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the amount requested from XXXX XXXX group and they still list me as disputing the account causing me to not quantify for a XXXX loan because of a dispute collection 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 09/23/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: My client, XXXX XXXX took a refinanced mortgage from Bank of America in XX/XX/XXXX as part of his loan product ; he was offered an option of " The Bank of America XXXX XXXX Protection Plan '' which was essentially a life and XXXX insurance program offered by the bank for all borrowers. Initially the local bank attempted to pressure him into not purchasing the plan. He purchased it for a ten year term. In XX/XX/XXXX, Bank of America told him that it would be cancelling the his contract. After he vigorously protested, Bank of America reinstated him through XX/XX/XXXX for the full ten year term. XX/XX/XXXX, the Bank indicated that it was discontinuing the program. It stopped accepting payments after XX/XX/XXXX. 
While the contract had language allowing the bank to cancel without reason upon sixty days notice XXXX XXXX relied on the ten year period covered by the term of the insurance. He is now in his XXXX and is unable to purchase XXXX and life insurance at comparable prices ; he specifically entered into the contract to protect his teenage daughter, in the event of his death or XXXX. Based on Bank of America 's past actions of steering him away from the benefit and attempting to cancel it without cause in XX/XX/XXXX, I can draw no other conclusion that Bank of America acted in bad faith. This also appears to be a classic bait and switch tactic, where the bank offers a promotion to sell a product and once the protect is purchased, it withdraws the promotion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Problems caused by my funds being low

Complaint: Citizens bank charged me overdraft fees on an account that never went below {$180.00} then only refunded me one of the charges. There explanation is that there is a time period between when funds on hold are removed from being " funds on hold '' and when they are posted to the ledger which the man I spoke to went on to explain means that there is a time period where a consumer using the available balance they provide online would be operating on information that Citizens bank knows is not accurate but is disclosing anyways. This is clearly an unfair and deceptive practice as the bank is providing a misleading account balance that consumers reasonably will believe is accurate when making decisions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I recently applied for a job and was not told my credit would be ran. I also did not sign anything saying it could be ran. They ended up running my credit without my authorization.

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 02-01-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: collection agency stated that once debt is paid i would receive a letter of satisfaction debt paid in full and request from major credit bureau to remove from my credit once debt was paid i did get a paid in full letter but no request for deletion from my credit when asked why there was no deletion statement they said they report only i told them i was told they do deletions they referred me to merchant and merchant says they sold account im getting the run arround

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I applied for an Income Driven Payment option in order to drop my monthly payment from {$250.00} a month. I submitted the proper online form and aloud them to acquire my income tax information through the IRS to go into processing. I discovered that they based my payment on only my income and household and based on their algorithm they increased my payment to {$260.00}. I am currently trying to save to get a new apartment with my girlfreind, I make {$39000.00} a year and by XXXX XXXX standards that is right on the poverty line. I find it unfair they only considered the variables that I was a single male with no dependents to base my monthly payment without even considering the double city tax I have to pay, the {$900.00} a month in rent and I have another loan under XXXX XXXX XXXX that I pay an additional {$100.00} a month on.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is in reference to case number XXXX. The Trustee for Nationstar Mortgage XXXX And XXXX XXXX, has made the sale of my house public. The publications from XXXX different Attorney are attached for your perusal. I called Nationstar Mortgage yesterday, XXXX XXXX, 2015 and I was told that my HAMP Loan Modification is under review. The lady I spoke with, XXXX XXXX also acknowledge receipt of the XXXX page documents I faxed to Nationstar. These documents were asked for by Nationstar in order to proceed with my HAMP Loan Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: In the beginning of XXXX XXXX I initiated contact with Chase Bank, the holder of my other mortgages, to refinance my personal home in XXXX, Ca. A loan officer with the name of XXXX XXXX XXXX took my call and after a discussion he quoted me a reasonable rate for a 30 year mortgage. My ratios without a resent paid off mortgage are 24 % over 44 % with a credit score of over XXXX. 
After XXXX XXXX requested all of my financial information he sent me an email indicating that Chase could not do the loan because my ratios were too high. 
I tried to explain how I had computed my ratios and he told me to send him more information and he was going to get back to me. After a few days went by and no response I tried to contact him via e mail and phone, but still no response. I then tried to contact his Manager via phone but after a few days still no response. Afraid that my financial info I decided to check to see if I was indeed dealing with Chase. I searched XXXX XXXX 's XXXX # XXXX as stated in his e mails, that number belongs to someone else. I then contacted the corporate office and they told me I was indeed dealing with Chase and they gave me XXXX XXXX 's NMLS # which appears to be correct. I then asked to have XXXX XXXX to call me regarding my loan. Through their in house email XXXX XXXX stated that he was call me within 30 mins. Three hours went by and His Manager XXXX XXXX called me to tell me that because XXXX of my business had a loss in XXXX they could not use any of the business income for qualifying and my ratios, according to him, were over 58 %. I went back through all my financial data and removed my XXXX business income from the equation and after removing the paid off mortgage I notified XXXX XXXX via e mail of my computations and asked him to review such because my ratios are within industry standards. I have XXXX, rental and business income. My ratios without the business income are as explained above. I asked him to work with me to give me options. i.e., bring the balance down, buy the interest down etc. and to this date still no response from XXXX XXXX. XXXX XXXX, XXXX I receive an e mail from XXXX XXXX stating that my loan documents were going to be available in their system for 10 days. I tried opening the e mail but was given an error message. I tried to contact him via e mail and phone to tell me if the loan was still in process and to help me open the email.. No response. His email now shows another XXXX number XXXX. This number belongs to someone else. 
All I want to know is if they are going to be able to refinance my house and why this gentleman is sending correspondence using other peoples XXXX numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Myself and my children are receiving calls from a company that they identify themselves as First Recovery Services/Solutions. They state it is in reference to claim number XXXX and they have my complete social security number. They state I may clear the debt up with a credit card number for the amount of {$590.00} or court proceedings will commence. I have requested paperwork for the claim and they state I already have it, I do n't. They state it is for a Pay Day Loan Advance that I took out online, I did not obtain a pay day advance. I ask for their address all the information they will tell me is that they are located in XXXX, FL. The calls are from several different XXXX numbers. XXXX, XXXX to name a few.

Company response to consumer: Untimely response
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXX CT XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX. XXXXXXXX XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. 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 10/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion previously deleted inquiries from my credit report and then added them back on without notifying 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