milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (OR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I applied at a job and you handle background checks for that company your information is way off of being correct

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I contacted Navient multiple times asking to defer my my loans. I was told it would be {$50.00} for each loan. And I had XXXX. Then I asked would they take a lesser monthly payment. They refused to take anything less then my bill asked for and it was nothing else that they could do at the time. All XXXX of the people I spoke to were rude and not trying to hear anything I was trying to say.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Auto) with HONOR FINANCE, LLC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I contacted Honor Finance almost a year ago to ask them to stop contacting people on my behalf. It is as if they found a list of everyone I 've ever known and contact all of them constantly. They have contacted old boyfriends, old bosses, former TEACHERS, all of my siblings, close friends, extended family, people I have n't spoken to in years, and my personal favorite - someone I had a restraining order against. I contacted them in XXXX to tell them that the car caught on fire and was a total loss and that I intend to file bankruptcy and they continued to harass me daily until I changed my number and blocked their emails, so they make up for it by harassing everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was advised to consolidate my XXXX parent plus loans ; I was told my payments would be lower. I financed {$67000.00}. combined and I later found out I now owe $ XXXX. When we make payments the balance increases instead of decreasing. I was told to apply for the wrong type of loan. I do n't pay this loan my daughter does and she earns half of what I earn and yet they told me to apply for the income driven loan. Her payments are about {$500.00}. a month, graduated. They will increase every two years, I was told over till 348 months go by. This is robbery! Today I found out all our payments only go to interest of course this loan will never be repaid. I 'm outraged how this kind of abuse is permitted by our government is unimaginable, it sounds like a real estate racket to me, this is wrong! Why would anyone want to pay for something forever without making a dent in their debt? We even asked to transfer the loan under her name in hopes of a lower payment/interest and balance due to her income and they refused to help us. This is not right, someone has to put a stop to this robbery. Every time I speak to someone for help with more options I hear a different story as if they make this stuff up along the way. This is horrifying and now my credit is forever ruined and I can not even think of buying a home, ever and I 'm XXXX. This is beyond extreme. What can I do?

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 TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX and XX/XX/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 XXXX XXXX XXXX XXXX. That is n't even supposed to be reported because child support is Title IV-D 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 XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 08/17/2017 about Mortgage (Conventional home mortgage) with Dyck-O'Neal, Inc. (ID).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My ex husband had taken out 2 mortgages with Own it mortgage. When we divorced i was awarded the house. The loans were only in his name. This company went out of business and XXXX XXXX acquired the bigger mortgage. And then XXXX loan took over. I was ready to close on the refinance. ( I 'm listed on title only through a quick claim deed. ) When the 2nd mortgage showed on title, No one at my bank, the county, or at the current lender could tell us where the loan went. It was not showing on his credit report or on title. Nothing had been filed. We had not received anything from them, so we assumed it was consolidated into the first mortgage. We have been working on this for approximately 3 weeks when I decided to open up my own escrow and purchase a title report. We sent that report to XXXX and the discovered that it was sent to collections. Dyck O'Neal Inc at XXXX. He spoke to a rep there named XXXX who told him that since it was there for over 10 years that they had charged him interest at the sum of XXXX and the original balance of {$10000.00}. This account does not show on his credit report. They have not tried to contact us or him in 11 years. No one could find it?? The XXXX report shows the account inactive. One surprise after another keeps popping up for this loan. The mortgage is under my ex, XXXX XXXX. Ss # XXXX. His ph # is XXXX. The rep at this collection company wanted to know how much the house appraised for and how much money I was getting back to assess the amount, if any, of interest they MAY take off. I do n't think that 's any of their business. Seems shady to me. XXXX has all the copies deeds, title documents, etc. I do n't feel that 's right to charge that interest If you 've never attempted to collect it or not filed the correct documents with the county. They wo n't tell him what lender even submitted it to collections. So ..you are our last resort. My name is XXXX XXXX. My ph # XXXX. Im not on any of the loans. You can contact XXXX or myself. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Billed for $ XXXX but upon request received verification for only {$82.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX Consumer Opt Out ( XXXX XXXX XXXX, XXXX TX XXXX ) - to opt out of an unsolicited credit offer from Third Federal Savings ( XXXX XXXX XXXX, XXXX, OH XXXX, XXXX ), one is to call XXXX Opt Out at XXXX or write. 
First - Third Federal Savings regularly sends unsolicited request to take out a mortgage from them ; pre-approved. Credit report shows then did a credit check on XXXX, which was NOT requested or applied for. Totally inappropriate. 
Second - trying to opt via XXXX is difficult to talk with a live person. Calling their XXXX recorded message system, I am immediately asked to say/enter my social security number, enter my birth date, home phone number, name, address, etc. 
This is very inappropriate in this day of trying to secure personal information - leaving requested info like this, not knowing who or how it will be captured/received appears lacking in security. AND, there is no way to call to talk with a live person. I did not leave the requested info to Opt-Out. XXXX 's process is totally inappropriate, and to me, shows a lack of concern and business protection for key consumer financial data ; THIS SHOULD NOT BE ALLOWED, and I do not want XXXX  collecting, or reporting any of my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have experienced many issues with XXXX who now has my former XXXX XXXX XXXX loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation onXX/XX/XXXX with XXXX that my current home loan with XXXX  XXXX # XXXX is reporting past due payments on all credit reports. XXXX told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX ; XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.

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 01/26/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: A property I own went into foreclosure after my mother in law died. I am in the process of selling the property and satisfying the mortgage in full, no short sale. In speaking to the bank previously, I knew there were added charged to the base principal for attorney fees, escrow advance, etc. 
When my title agent requested the official payoff for closing on XXXX XXXX, 2016, he received the attached document showing the payoff amount. This amount includes a new line item titled 'Lender Paid Expenses '' totaling {$4100.00}. I had gotten a breakdown from their attorney of the various fees being charged but nothing referencing this. 
When I called today to get a detailed breakdown of the charges, I was told they do not know what they are and the only way to find out was to make a request to the research department. Should be simple enough but was then told that they do not have phones. The only way to submit a request was formally in writing by either fax, which I do not have, or by mail. I asked how long until I receive the information and was told they have no timeframe for getting the information. 
So with a closing this week ( which would satisfy the loan without them having to foreclose ), I am being told I need to jump through hoops, submit in writing to a department without phones and an indeterminate timeline for response, to find out what they are charging me for. 
I believe they know that by stalling I will have no recourse to fight these unknown charges as the payoff will be made by the closing agent. They are hiding behind their research department to defend these false expenses. I believe I had a right to be notified of any expenses that were being charged to my account and since I have never received ANY paperwork showing such, it should be removed or proven. 
All I am asking for is a reasonable breakdown and explanation of the 'expenses ' being charged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: I 'm not able to use my Macy 's Amex credit card. After each purchase my credit card gets blocked and there is no way to verify my identity online or by calling. It 's been over 2 weeks since I 'm unable to use it. CSR are telling me I should receive " something '' in mail, but my mailbox is empty!

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 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (FL).
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: On  XXXX   XXXX , I wrote t o Ford Motor (  with a copy to  XXXX   )  a second time to have them report my loan information to    XXXX  . They have been reporting to both   XXXX   and  XXXX . This is positive information which would help to increase my   XXXX    score if it were to be reported.     Neither Ford nor  XXXX  ever responded to my dispute and now  XXXX  months later, the problem still exists. I am shortly applying for a large commercial loan and my terms will be negatively impacted if my  XXXX  score remains significantly below my  XXXX  scores from  XXXX  and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (AR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On I had {$90.00} return payment. I had issue with my XXXX XXXX. Which did get resolved. I quickly called XXXX to let them know I had gym payment that came out twice but I was getting refunded for the amount. I spoke to rep name XXXX in ach. I had ach issue before and she help me handle that problem. Since the previous issue was correct. I did n't want this small things to become and issue XXXX advised that she would watch my account to see when the return payment would happen. On XX/XX/XXXX Monday I call and she stated it probably will be Wednesday before it show up. I advised I would be going out of town for work. I would try to deposit cash in ATM at a branch or non branch here in my town. I was n't advised that a deposit at non branch would take several days to post. On XX/XX/XXXX I deposit {$180.00} into XXXX checking which would cover the return amount plus add additional money to my account. I was n't as sued this and that caused an issue as well. OnXX/XX/XXXX I made a {$140.00} payment over the phone with a rep and the rep used the wrong account. I was very frustrated. As this was n't fault of my own but the represent I had funds in my account XXXX not XXXX. I 'm just truly frustrated. I was told after 3 return payment the method to use transfer is suspend. Now my account is suspend again after 2 payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint Mortgage has repeatedly not returned my attempts at contacting them since they have acquired my mortgage loan. Their phone system hangs up on me at least once during each attempted contact. It is now three months into their acquisition and they ca n't tell me whether or not my insurance is lumped into the monthly mortgage payment. They have locked me out of my own account without any sort of notice or explanation. I feel like I have no way of knowing whether or not my mortgage loan is being taken care of.

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 11-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: New Complaint : We are responding to Wells Fargo Mortage letter dated XX/XX/XXXX with the Loan Modification Denial Appeal Form mark with bold numbers ( XXXX ) at the bottom of the page received on XX/XX/XXXX. 
For the record, the letters dated XX/XX/XXXX, authored by XXXX XXXX does not address this long standing issue with Wells Fagro Mortage of not providing us a denial letters in a timely manor from a number of Loan Modification Applications submitted. 
Additionally the copy of the XX/XX/XXXX letter in your XX/XX/XXXX mailing does not show or indicate which employee at Wells Fargo Mortage dispatch that letter to us. More troubling, the XXXX XXXX letter showed it was authored by XXXX XXXX. However our records show a letter ( see attached ) dispatched to XXXX XXXX on XX/XX/XXXX was still inquiring about our request for an Appeal after receiving a phone call from an undified person from Wells Fargo Mortage advising us our Home Affordable Modification Program ( HAMP ) application had been denied. More importanly the attched XX/XX/XXXX to XXXX XXXX followed by an XX/XX/XXXX letter to XXXX XXXX, the same deceptive employee who ignored all our telephone calls and correspondance, which you asking to contact, futher validate our continue furstration and distrust of Wells Fargo Mortage. 
While we are addressing the most recent deceptive behavior by Wells Fargo Mortage employees of creating denial letters for the Banks in-house records and intentionally not mailing it to us, our records show going back to XX/XX/XXXX, XX/XX/XXXX, the same fradulent activity existed. 
On a very important note, while Wells Fargo Mortage and its employees continues to mislead the State of California office of the Attorney General, and Consumer Financial Protecting Bureau ( CFPB ) with same in-house fraudlent letters created for the sole purpose of circumventing California Home Owners Bill of Rights. We as victims of such fraud will challenge legally any foreclosure sale initiated by Wells Fargo Mortgage against the property pursuant to California 's Homeowner Bill of Rights see ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. XX/XX/XXXX ). 

Considering the forgoing, we are requesting without further delay for Wells Fargo Mortgage to demonstrate good faith by resolving this long on-going issue which first originated in XX/XX/XXXX, when Loan Modification underwriter XXXX XXXX perpetrated a Bait and Switch Loan Modification on us.Additionally Wells Fargo Mortgage is violation of CFPB Dual Tracking as stated in the attached XX/XX/XXXX letter advising our home was in active foreclosure while numerous pending Loan Modification Issue have not been resolved.

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 04/24/2017 about Debt collection (I do not know) with Recovery One, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: **This not a duplicate Complaint. The information attached** Recovery One Responded to Complaint #  XXXX  on  XXXX   XXXX  , 2017.      The company stated that they will cease collections efforts and send out delete notices to all credit bureaus. ( Attached ) I will like this company to send the delete notice to all credit bureaus again due to  XXXX  is still reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting wrong information on my credit report. I tried to dispute this information but they will not allow me to do so. My report # is XXXX. I viewed my report online as I am trying to obtain a mortgage but not able to do so because of the accounts they are reporting with teacher 's federal credit union. There are XXXX accounts reporting with this bank showing as negative/charged off to a bad debt. There is one for {$6600.00} another one for {$860.00} another one for {$7500.00}. and another one for {$860.00}. I only had XXXX loan with teachers and that was for {$6600.00}. I did not have all these loans. Last month my credit report showed {$6600.00}. and {$860.00}. now there are XXXX more added. This is ridicilious as they will not let me re-dispute this wrong information and they have no right to add XXXX more negative balances to my report. I wish to file this complaint about experian credit reporting company.

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 10/25/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing on a mortgage

Complaint: Today XXXX XXXX7 I tried to get help to refinance my home through XXXX I tried with bank of America but do n't want to help me the always have an excuse missing paper 'or that I did a bankruptcy ' last excuse was that I have a lawyer and for tha reason they can help me my complaint it 's about fraudulent issues my bank of America never want to help me but because their loan modifications is supposed to be through harp program but it 's was n't they force me to sign through the court system I did n't agree but I had no choice today XXXX  told me they can help me to refinance my loan because my loan is full of fraudulent issues the person told me he does harp loan modifications alot of them nu never seen anything like this one and tha is the reason why the ca n't help me bank of america is used to do this type of fraudulent he told me they got sue for this same issue no long ago as I state here I do n't have a lawyer for this matter but im willing to get o e if the keep. Playing with my mental health

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