milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: The only way to protect myself after the XXXX breach is to place a credit freeze. It is absurd that the XXXX major credit reporting agencies are allowed to charge money to initiate these freezes. There is no way to opt out of their data collection, they obviously can not keep that data secure, and they want me to pay my hard earned paycheck to each time I need to freeze ( and each time to unfreeze ) my information.

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 03/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had a private student loan with XXXX, now known as navient after I stop attending college cause lack of funding and health issues. I started making payment on my loan which was very high. I contact their rate reduction department trying to get them to lower the payment. I had no luck. I currently unemployed living in Michigan and have XXXX school age kids to care for I receiving social security XXXX due to XXXX XXXX. Which make it difficult to walk and stand for period of time. I am not trying to get out of paying the loan back but, trying to get them to lower the payment from XXXX to XXXX each month is it anyway you can help me with this issues with them. I would appreciate this very much.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with Alliance Data Card Services (AZ).
Issue: Billing disputes

Complaint: I entered into agreement with Commenity Bank ( XXXX ) wherein I had equal payments for 4 years. I was a three days late in XX/XX/XXXX. I rectified that and brought the account to current. The next two months I made a little more than the payment due. Today I received a call demanding I bring my account current and make an immediate payment ( acct no longer late ). When I called Commenity Bank, I was told that the card is " a revolving account '' and a " promotional APR account ''. The late fee ( s ) are applied to teh revolving acct first, then the remaining is applied to the other account ( mind you, it 's ONE credit card with ONE item on it ). That put me in a cycle of " catch up '' even though I was making the original, agreed payment amount. They were using money from the payment and applying it to the " late fee '' first, making my payment for the month an insufficient amount. I have never encountered anything like this before and I feel this should be looked into because I 'm sure I 'm not the only one being misled by their credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2017 about Debt collection (Other debt) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: On XXXX XXXX, XXXX, I picked up mail from an address from a location I had not used as a mailing address in 3 years. It was two pieces of uncertified US mail from Linebarger Goggan Blair & Sampson, LLP,  dated XXXX XXXX and XXXX XXXX, XXXX, claiming that someone with my first name and last name, but a similarly, but not correctly spelled middle name owes XXXX XXXX {$320.00} for an unnamed fee, charge, or fine. It goes on to inform me that " The Texas Legislature recently enacted laws that provide additional means by which such obligations may be collected, beyond the issuance of a warrant. To avoid any and all potential effects of the pending charge, timely payment is required. ". During my research, I have found many others, that have expressed similar issues from this firm. In addition, the case number, " XXXX '' turned up no results in either county records or a general XXXX search. In addition, many people have reported spam phone calls originating from the phone number the letter says to call ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Managing the loan or lease

Complaint: When sending in payment, I completed the coupon at the bottom which states Payment Amount Additioanl Principal Amount ( you want to to pay towards your princpal ) _____ Total However, I have just discovered that any time I have paid an additional amount towards my Principal it has not been applied towards my principal I was informed you have you have to call for that but they have a section at the bottom of the coupon for that.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing statement

Complaint: I did not receive a statement via email from Macy 's credit card. As a result I missed a payment of XXXX {$35.00} ( the total balance on the account ). I was charged for XXXX late payments in subsequent billing cycles still without any notice that I had missed a payment or a monthly statement. I finally received a call after the XXXX missed cycle. The missed payment was also reported to the credit bureaus. 

I requested that they update the late payment report to the credit bureaus as I did not receive a statement or a late notice until after the second cycle. They refused to update the credit report. I also requested proof that they had sent me a statement or a notice of late payment via email. They stated they could not provide that proof. 

I never received notice of my statement or a late payment from Macy 's. 

Prior to this, I had a credit balance with them and have never missed a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Trouble during payment process

Complaint: Round Point Morgage company services my loan. I have been affected by Hurricane Harvey by means of flood water. This is my second flood in two years, so i kind of knew what to expect with Roundpoint. When dealing with an insurance claim you must deal with their loss mitigation department. This department handles all insurance claims for the company. To actually speak to one of those agents is almost impossible. I have called more than 30 times and waited on the phone on average of 1 hr before actually speaking to one of these agents. While waiting agents will come on the phone and tell you they in fact work for the department, only to find out after 30 mins not being in that department and cant really help you. They do not have a clear set of rules when dealing with contractor payments and documents needed.They also offered me a plan to " help '' to only pay xxx amount for 3 months then role the balance at the end after a trail payment period of three months. I have since made in full my mortgage payment for a consecutive 5 months only to learn this does not match the trial period guidelines and there may be a problem. This company is very shading and trusting them to do the right thing isn't advised.

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 04-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SOS Emergency Help for Homeowner Family in XXXX XXXX effected by the Gas Leak and a Predatorial Debt Collector Bayview and XXXX XXXX their California XXXX " trustee '' who does not follow nor honor State and federal Law. 
There was an illegal foreclosure sale on our home on XXXX XXXX, XXXX conducted by " XXXX XXXX '' trustee who knew we were in a dispute over the alleged debt with " Bayview '' and " Bayview '' themselves. We want and need that illegal sale to be cancelled and reversed. They sold it illegally and broke California state and federal laws. We need emergency help. We need this escalated to the right legal department of the CFPB. We have a whole family with children. 

It all started, when we were working with XXXX, then XXXX XXXX XXXX, then Bayview to validate the alleged debt with QWR and other requested information. I submitted a loan modification packet several times. Instead of providing the information as required by the Home owner Bill of Rights and California law, they attempted to sell my home on XXXX XXXX, XXXX We filled a complaint XXXX with the CFPB and Bayview backed off the sale and told us to get in touch with XXXX XXXX the account manager at bay view for the loan modification. We were working with her for several months providing her with all documents she requested. Then it was switched to another account manager. We cooperated fully thinking we are getting a loan modification and thinking everything is okay. Then suddenly on XXXX XXXX, XXXX we found out that they allegedly sold our home without any notification, proper notice, nor any communication. We called them and wrote to them and gave them the opportunity to ( rescind ) the illegal foreclosure sale and to reverse their actions were in violation of the California home owner bill of rights and other state and federal laws. We need help. This is an emergency and we need to stay in our house my family has XXXX XXXX kids and we can not lose this home. ( Please help us )

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My servicer, Fay Servicing, failed to inform me that they were transferring my loan to XXXX XXXX within 15 days. In fact, I still have not heard from them. And the company they sold it to, Florida XXXX XXXX, did not inform me in a timely fashion. I only received their letter on XXXX/XXXX/16 when transfer was to take place XXXX - XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After reviewing my credit report I found that this item was fraudulently placed on my credit during my time of XXXX. The Account is : XXXX XXXX XXXX amount {$4700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 XXXX, XXXX  and experian requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I inquired about an equity line of credit in  XXXX  of  XXXX  with   XXXX   XXXX   XXXX   XXXX  . On  XXXX / XXXX / XXXX , someone posed as me in front of a notary at the branch signed my middle name wrong and found out the branch manager  XXXX   XXXX  was n't even a notary under that commission number that show 's on the deed of trust which I never signed. This loan balance is  XXXX  as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  stole my identity to embezzle {$95000.00} dollars by doing electronic deposits from  XXXX   XXXX . The reason I say it 's embezzlement because those amounts were deposited but never charged to the equity line. I have all the evidence to show the proof of fraud. Never once did I sign or authorize any  one to u se my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was erroneously charged multiple fees to my   XXXX   XXXX   store card account beginning in  XX/XX/XXXX  ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my   XXXX   XXXX    account in  XX/XX/XXXX , or at least I was under the impression that I had paid off my account ; however, due to   XXXX   XXXX   billing cycle, I had a remaining balance of {$3.00} that was paid on  XX/XX/XXXX . The first fee I incurred was on  XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On  XX/XX/XXXX , I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On  XX/XX/XXXX  I was charged another late payment fee in the amount of {$37.00}, and on  XX/XX/XXXX , a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees.
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I was finally notified the week of  XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On  XX/XX/XXXX  I called   XXXX   XXXX   store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the   XXXX   credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to   XXXX   XXXX   reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.

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 07/14/2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I requested a loan modification and was working with XXXX XXXX who sent me documentation that showed that I was approved for a loan modification and then I received a letter from law firm that my home is scheduled for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX, XXXX Equifax had a breach in their online security which resulted in potentially sensitive personal data being released to bad actors. I have two complaints : 1. FINE PRINT. To find out if your personal data is subjected to this breach you need to opt-in to legal language which precludes you from being able to take legal action in the future. This is an obnoxious display of corporate ego and does nothing to support the common working man who could be a victim of identity theft for years to come. 

2. PLAN MOVING FORWARD. Equifax 's solution is to offer one year free of credit monitoring and then they suggest consumers pay for credit monitoring after that year? For how long? SS # s do n't change. This data will not lose value on the black market, ever. Equifax is positioning itself to PROFIT from this breach for YEARS to come through credit monitoring. This is also a revolting case of corporate ego.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

I have an Inquire from XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more th an one oc casion to advise of my credit being pulled without my permission.     These are the accounts that are unauthorized inquiries :  1.   XXXX   XXXX   XXXX / XXXX / XXXX   2.   XXXX   XXXX   XXXX / XXXX / XXXX   3.   XXXX   XXXX / XXXX / XXXX  4.  XXXX    XXXX    XXXX   XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 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: Information belongs to someone else

Complaint: I have never filed for Bankruptcy in my life yet the credit bureau is reporting that I have a bankruptcy from   XXXX   on my credit report. This is incorrect information and has been disputed numerous times with the credit bureau. My concerns are never addressed and this continues to damage my credit when the account is not even mine. I need the credit bureau to ensure their records are in order. In the past, the credit bureau has reported other persons ' accounts on my credit just because I share a similar name. If I really did file for bankruptcy in   XXXX  , would n't several accounts be showing on my credit as " Included in Bankruptcy ''? They do not because this record is not mine and I ca n't understand why the credit bureau refuses to see this and address my concern. I do not understand the logic behind the credit bureau investigation.

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 02/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Transunion will not allow access to my report at all. Attempt has been made and now Transunion blocks all attempts to obtain or see any report. They only try to bully me to pay money to get a report. They claim I already have had a report which is a lie and false. They need to be fined for this and found illegal and non-compliant. The public does n't have time for these stupid illegal games they play. I need to see and correct false info. and see what has been reported here. I do n't have a lifetime to wait and pay 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 non-monetary relief