milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2017 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am disturbed that Equifax continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer, exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, I ', requesting them to delete this information from my credit report and send me an updated copy when this action is completed. 
They did not approved my request

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (CO).
Issue: Closing on a mortgage

Complaint: I got a mortgage loan through Quicken loans. I started this process on XXXX/XXXX/XXXX. My closing date was on XXXX/XXXX/XXXX. The original closing date was supposed to be on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I learned that the loan was changing from a " second home '' loan to an investment property, resulting in a higher interest rate and loan fees. My original loan officer never shared this with me that there could be some concern about this new home purchase. In discussing this issue with my broker, she indicated that the actions of Quicken Loans were deceptive and perhaps fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I filed for Chapter XXXX Bankruptcy in XX/XX/XXXX. At that time my Mortgage company ( Nationstar ) was considered a secured loan, which included escrow payments in my monthly fee. Those fees were {$1100.00}. I was in default of {$9800.00}, payments were included in the Trustee payment.I was informed in XX/XX/XXXX by my mortgage company that I needed to pay additional mortgage because the escrow increased. I later fell behind in my monthly mortgage payments and by XX/XX/XXXX i was in arrears of approx. {$15000.00}. Under a government program, Illinois Hardest Hit, in XXXX XXXX they paid my mortgage carrier {$18000.00}, my contribution to their forgivable loan was {$390.00} until XXXX XXXX. I then was responsible for the increased monthly mortgage of {$1400.00}. Last month I received a letter from Nationstar informing me that they failed to provide me with a yearly escrow analysis, since XX/XX/XXXX, because I am under bankruptcy, but because I requested an analysis, they completed one and there is a great shortage. I called them and told them I never requested an Escrow analysis but I thought I should have been informed yearly anyway. The mortgage payment then increased to {$1800.00}. I did not see any reflection of the paid defaulted mortgage.There is a carry over of an amount due of {$1600.00} on XX/XX/XXXX. How I do n't understand because Illinois Hardest Hit paid them a lump sum of my arrears. On the Escrow Analysis I received in XXXX XXXX, it does not list my current mortgage balance, yet it readily list projected charges XX/XX/XXXX as part of the reasons for such a huge increase. Nationstar never reported the mortgage default payment to my Bankruptcy Attorney or to my Chapter XXXX Trustee. When I brought this matter to the attention to my Bankruptcy Attorney, I was told they would look into the matter. I forwarded proof of mortgage default payments to my Bankruptcy Attorney, to no avail. I have had different attorneys because I was told some of them are no longer employed there. Nation star mortgage transfers me to one department after another without any resolution. They will not answer my question to date why they have n't noticed my bankruptcy Trustee about my mortgage being current. My bankruptcy is soon to be discharged in several months. I believe Nationstar Mortgage has intentionally mismanaged my escrow account. There was no reason for them not to provide me with an anual escrow disclosure, which would have notified me of any shortages in the escrow account.I have been very ill and now disabled.But I am now able to carefully read documents and follow-up on my account with mortgage provider.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: on XX/XX/17 I sent letters to equifax, XXXX  and XXXX  requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX confirmed they are no longer reporting an account on my credit report and should be deleted. 

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 explanation
Consumer complaint received 02/21/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Commonwealth Finance placed a collection on my credit reports in the amount of XXXX. 
This collection has been reported and deleted multiple times from several other collection agencies and found to be a fraudulent account. Now, Commonwealth Finance is reporting the same fraudulent account that has been deleted numerous times by other companies. 
I have a fraud alert on my credit reports due to this. 
I have filed complaints with the TX & PA Attorney General 's offices and well as the BBB. This fraudulent collect MUST be deleted. 
Prior to the reporting of the collection I have never received any type of communication from Commonwealth.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I contacted Navient late last year to pay an extra {$1200.00} to pay off XXXX of my XXXX loans with the company. They falsely assured me that they will apply the payment to my smaller loan in order to pay it payoff. However, when I checked my account today, I noticed that they did not apply the payment as I instructed them and only applied {$200.00} towards the smaller loan. Second, they changed my monthly auto-pay amount and increased it by 50 %. There was no notification provided to me regarding the increase of payment nor was I provided documentation indicating a change in my payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I opened up a CitiGold checking account back in XXXX 2015 using a promotion that would give me XXXX XXXX points once I make XXXX qualifying payment each month for 2 months following account opening. I completed the payment requirement, but as of today, more than XXXX year after the completion I have not received those points. I attached a conversation with CitiGold representative on XXXX/XXXX/15 which confirms that I would receive my points as well as emails with my Citibank personal banker as proof.

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 04-04-2017 about Student loan (Non-federal student loan) with LoanHero, Inc (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: A company that referred to themselves as   XXXX   XXXX   XXXX   illegally created an   XXXX    account in my name and illegally opened a loan through a separate company LoanHero in my name without my consent.  
 When I attempted to log into my  XXXX  account I had trouble so I contacted FSA by phone. I was informed by  XXXX  that an  XXXX  account was created in my nam e in   XXXX  2017 .  I never created this account. When I told  XXXX  I did not create an account they asked me if I was involved with a scam related to student loans.  XXXX  also informed me it is illegal for someone to create an  XXXX  account under another person 's name. I was advised to stop all contact and transactions being made with  XXXX  's company.  
 When looking at my credit and all my loans and found I have a new loan opened with LoanHero. I was not aware a loan was made in my name through LoanHero. I contacted the Department of Education and  Student Loan su pport regarding the creation of an   XXXX    account in my name without my knowledge and the creation of a new loan. I was informed again that this is illegal. Also I was informed many fraud companies place the name of real companies on their documents and paperwork to scam people.  XXXX  told me he is associated with  XXXX . I contacted  XXXX  and was told that scamming companies use their name frequently and if an   XXXX   account was created in my name without my knowledge then it was illegal.  
 I canceled my the consolidation and when I went to cancel the miscellaneous loan through theses companies they refused. They also stated " it would n't affect my credit '' which was an additional red flag. I contacted the Department of Education again today and they stated they have had other student run into scams  with Loan Hero and again confirmed all of the statements mentioned previously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: I am a victim of the RushCard upgrade fiasco. My pay showed up finally on XX/XX/XXXX. I was not able to use my card, but the bill pay system appeared to work. Bill pay has always been quick in the past, so I used my entire balance to pay some credit cards and utility bills. 5 days later, those payments are still in " scheduled '' status, even though the money was withdrawn. Calls and emails to RushCard about this issue have not been returned. If they are n't going to issue the bill payments, then refund my {$1300.00} and let me withdraw that so I can close my account and go elsewhere. This is infuritating!! I 've been a customer for 7 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2015 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I went XXXX XXXX XXXX in XXXX NH. 
Not knowing they did n't accept my XXXX. 
They did not tell me this when I went to I would n't have gone there. 
Got a bill from XXXX XXXX and called XXXX. They explained the situation to me but said this one time they would take care of the bill. Which they did. 
Not I receiving a bill from the DR who say me that day for 1 minute. He didnt even take a XXXX of even look at me in any way. So now I am receiving a bill from they Dr who saw me for {$370.00}. This is outrageous. XXXX already paid the XXXX and I never heard of the DR billing me separately. This is an exorbitant amount for someone to charge and I was only there for 1 minute. 
I am furious at this charge and now they are reporting me to credit. 
This is very unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (IL).
Issue: Incorrect information on your report

Complaint: Shellpoint mortgage servicing refuses to update my credit profile as current with payments. Have reached out to them by phone and email on numerous occasions. XX/XX/2018, current with payments, on XX/XX/2018, instead of reporting current payments they reported as 90-119 days  delinquent, then on XX/XX/2018, they reported as 91-120 days delinquent. I have tried to get them to update information correctly and they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Student loan (Federal student loan servicing) with MOHELA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX XXXX, 2016, I contacted MOHELA because I logged into my online account and suddenly saw a very large accrued interest balance. I had been paying what had been displayed on their site as the accrued interest even though my payment was {$0.00}, due to a partial financial hardship. The amount was pretty consistent, as reflected by my payment history, so I assumed it was correct. I was under the assumption that, having paid the accrued interest while my payment was {$0.00}, I would not owe any interest, so of course I was surprised to see this large number. The person I spoke with, XXXX, volunteered to file a complaint for me, but I never heard anything. 
Today, I contacted them again about a separate issue, and tried to resolve this issue as well. I spoke with someone named XXXX, who was very condescending but ultimately managed to explain the issue of the day. He did not know, however, how their computer system allocates a payment to the loans if your payment is {$0.00}, which troubles me. So my complaint is XXXX in this case : 1. Why was their online system displaying an incorrect amount of accrued interest for most of last year? 
2. Why are n't payments applied in some logical way to interest first and then principal or however they 're supposed to be applied? 
3. What good does it do for them to file a complaint with the DoE or wherever, if it just goes into the ether and I never hear back about it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (OH).
Issue: Managing the loan or lease

Complaint: Received a loan fro m Wells Fargo for fur niture 0 % interest for 18 months. I paid the amount in full PRIOR to 18 months. Upon apply for a car loan I find that they placed a bad credit reference against me for {$4.00} I have contacted them twice and each time I am told that the loan is paid in full and they do n't know why there is {$4.00} on the account or why it was reported to the credit bureau. They said each time they needed 10-14 days to investigate. My bank  (   XXXX  ) in the meantime has made an auto loan to me at an interest rate double of what I should be paying.  XXXX  states that if I can get a letter from  Wells Fargo  they would reduce my interest rate.

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 04-02-2016 about Debt collection (I do not know) with AFNI INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me a service that I agreed to pay them for

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was being over charged on my loans for years. After finding out i did n't know what. Else to do. Come to find out Navient was the blame. So I 've been trying to find away to pay this back. I 've been unemployed so it 's been very difficult for me. I need help with my next step. Now i ca n't apply for anything else because of it going into default. I went to Itt-tech here in XXXX North Carolina. Just recently. Found out about the situation. I really need help on what to do next because I 'm trying for school Now and having a very difficult time with Navient on my student loans. I dont think it 's right for a company to get over and crush peoples dreams pr careers that they are trying to pursue.. My loans we 're over XXXX dollars and i am lost on the next step that needs to be taken ... ... ... ... ... ... ... ... ... ... ... ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit card () with BARCLAYS BANK DELAWARE (DC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/2015 I was alerted via text message of a fraudulent charge on my Barclay Card in the amount of {$1100.00}. I called the company immediately and confirmed that the charge was indeed fradulent. On XXXX/XXXX/2015 I called to inquire about the status of the case and I was informed it had been filed with the wrong department within Barclay. They then opened a new ticket and assured me the fradulent charge would be addressed. Today on XXXX/XXXX/2015 I called again to inquire about the status of the case and I was informed that nothing had been done since the new ticket was opened four months prior. Please help for I am being assured the case is being looked into and six months later the fradulent charge is still active on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JH Portfolio Debt Equities, LLC ().
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: company illegally reporting debt that is not theirs and is not original debtor as well as is out of date for reporting as well as is debt that was illegal bank charges for debt card purchases under XXXX charge

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 01-09-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MD).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Company : Coinbase Deposit {$500.00} on XX/XX/XXXX for a total of {$750.00} in my digital wallet. 
Begin a {$750.00} deposit on XX/XX/XXXX Account is locked for unknown reason later that day ( XX/XX/XXXX )  Proper verification to unlock account is provided by XX/XX/XXXX Payment still goes through on XX/XX/XXXX Support ticket opened on XX/XX/XXXX Wait for response from company for 2 weeks. No response Attempt to call their support hotline numerous times during these two weeks, call automatically ends saying they are too busy. 
Finally get through their phone support on XX/XX/XXXX Support agent says my account has been flagged to be reviewed by a specialist. 
No response since, account still remains locked by withdrawing or transferring any money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted a dispute on XX/XX/2017 and still have not have had a decision told to me. the confirmation number of the dispute from equifax is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Home equity loan or line of credit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX I was no longer able to pay for my mortgages on my vacant house in XXXX, New Mexico. This house had two mortgages : the first with XXXX, the second with USAA. I attempted a short sale on the house and was unable to sell it. I filed for a Deed In Lieu of Foreclosure, which XXXX granted, provided I clear the lien with USAA. 

After negotiations, on XXXX XXXX XXXX USAA issued a Settlement Agreement to me, stating that USAA would accept {$14000.00} for full settlement of the loan, with me paying {$8000.00} and XXXX paying the remaining {$6000.00}. On XXXX XXXX XXXX I paid to USAA {$8000.00} and USAA issued a new Settlement Agreement for {$6000.00}, which must be received by XXXX XXXX XXXX. I signed this agreement and USAA acknowledged that it received the signed copy. 

On XXXX XXXX XXXX USAA exercised a right to offset against one of my accounts in the amount of {$1700.00} to pay toward the subject loan. This transaction is contrary to the Settlement Agreement that USAA and I have in place and is not only contrary to my wishes to maintain good and honorable relations with USAA, but is also fraudulent. 

I contacted USAA 's banking, fraud, loan, and identity theft departments on XXXX XXXX XXXX. Of all the people I spoke with, nobody was able to tell me why the {$1700.00} was withdrawn from my account or where it had gone. I was promised a call the next day, but nobody called. I then contacted USAA 's Member Assistance Team ( that arranged for the Settlement Agreement ) on XXXX XXXX XXXX. They said only the debt collection department could have exercised the right to offset and transferred me there. The debt collection department said they could n't have done it, because my loan was held by the Member Assistance Team. I was told that an email was sent to the executives of the Member Assistance Team and that I would be contacted.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Consumer Loan (Installment loan) with Alorica Inc. (IL).
Issue: Problems when you are unable to pay

Complaint: I was a victim of a XXXX when the individual was caught and sentenced to XXXX years in prison. I HAD TO go to the hospital even though I told them no because I had no money. I went, incurred the hospital debt myself and it was bought by West Asset Management. I paid in full and I want this gone from my credit report.

Company response to consumer: Closed with explanation