milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax will not provide my credit report to me. I was recently denied credit and am entitled to a free copy of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: HELP CHASE refuses to honor sign-up bonus points worth {$500.00}. 

I applied for a Chase Sapphire credit card because of the XXXX bonus points offer if I purchased {$4000.00} within the first three months. I applied for the card in the beginning of XX/XX/XXXX. Well, you know the saying, out of sight, out of mind. I never thought about that I had not received the card until mid XXXX when my son me if I ever got her Chase Sapphire card. 

OnXX/XX/XXXX7 we called Chase to report that my mother had never received her card. From what the customer service representative told us, the original card ending in XXXX had not been used. So she cancelled that card and issued a new, replacement card XXXX. It was mailed onXX/XX/XXXXXX/XX/XXXX. 

I am not sure what date I received the new card, but the first purchase was on XX/XX/XXXX. My first statement has an Opening/Closing Date of XX/XX/XXXX XX/XX/XXXX. I have Purchases since that first purchase that in the first three months totaled {$4800.00}, which is clearly more than the required {$4000.00} within the first three months to get the XXXX bonus points. But I never did get the XXXX bonus points, which have a cash value of {$500.00}. 

When we contacted Chase about the points, they replied by saying : After reviewing your account, we show the requirements were not met in order to receive the XXXX bonus points ... ; thus, they denied honoring their offer. I never received the first card XXXX, so I could not have made any purchases with that card within the first three months. Moreover, I did fulfill the requirements for the new XXXX card. I have subsequently followed up with Chase but received a second denial letter for the same reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2016 about Debt collection (I do not know) with Alorica Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Based on Information and belief, the alleged account is not mind. I am a victim of ID Theft and have continued to inform Global Receivables Solution, but to no avail. They will not response to my requests for validation and verification but continued to call my home and work. I have never had a XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 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: Investigation took more than 30 days

Complaint: I refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XX/XX/XXXX, and again on XX/XX/XXXX. Experian told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX/XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me resolve this.

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 05/28/2015 about Debt collection (Payday loan) with Earm LLC (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been receiving phone calls from a debt collector telling me that I am going to be to served at work and possibly taken to jail. When I call the number given, I get connected to very rude " employees '' with vague information. All they can tell me is that I got a payday loan in 2009 for {$400.00} that was never paid back. They claim the loan has grown to {$800.00}, but they can accept a lower payment over the phone and this will all go away. I asked them to identify themselves and all they can tell me is their company name, MAC ... ( 1 ) I would never apply for a payday loan ( 2 ) I would never give my credit card number to some random person that called me on the phone. 
This person had my social security number and an old address, but no recent information. The only way they got my phone number was by contacting my brother. 

The phone number I 'm asked to call is XXXX # XXXX

Company response to consumer: Untimely response
Consumer complaint received 02/13/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ND).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am on the pay as you earn repayment plan. I'm temporarily XXXX and I'm not earning anything and I can not pay anything. I've submitted forms and they are still trying to get me to pay and negatively reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Always apply any freezes and unfreeze to report online. Attempted to temporarily lift credit freeze online for a certain amount of days and received error message. Attempted again TWICE and payment processed and charges fee TWICE but freeze not lifted without written letter that I have since submitted. No fee should be charged if freeze was not lifted and there is no reason why my account should require request in writing unless this is retaliation for filing earlier complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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: The week of XX/XX/XXXX I sent validation/ verification to Experian , XXXX , and XXXX  because XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from XXXX and Experian. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have tried to get this resolved on several occasions. Equifax does nothing with the dispute process. I have written letters and still have not gotten any resolution. I have been informed that XXXX is reporting the wrong information to Equifax. I have tried to do a dispute through XXXX and still have not gotten any resolution. This tax lien that appears on my Equifax credit report is an error. I have provided documentation to support that but they still refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I completed my XXXX XX/XX/2008. Since my 10 years For loan forgiveness is coming up I submitted some Documentation from hr supporting the length Of time I had worked as a XXXX. 
I got a reply from the dept of ed stating my loans did n't Qualify. I began looking for a better loan rate Because navient said I could n't lower my rate. 
I was about to refinance my loan with a private company with a lower apr Then navient gave me the number to the dep of ed When I called the dept of ed, they walked me through the application and lowered My monthly payment. I called navient back and the y told me that per dept of ed rules I have To wait ten more years for loan forgiveness. I explained That if I knew I had to apply to qualify I would have done it immediately after graduating They said that it was the dept of ed rules and sorry. They are freezing my payments while my loan forgiveness application is pending. 
Approx 2 months. It seems that they deliberately did not tell me about applying for The loan forgiveness until I was about to transfer my loans from navient to a private lender. 
I do n't feel I sgould have to wait more than ten years for loan forgiveness. They also advised me to take a foreberance on two occasions. I feel taken advantage of and deceived by navient

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Management & Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received threatening letters from Financial Management & Associates stating that I owe a {$50.00} debt to XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my past due account of XXXX directly to XXXX on XX/XX/2013 and have the bank statement to prove it. Trident stated they purchased the debt XX/XX/2013 from XXXX Although I have proof of the debit from my checking account they refuse to accept the copy of my bank statement. This debt is paid since XX/XX/2013

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 07-05-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Struggling to pay mortgage

Complaint: Under the Imminent default criteria I believe I quality for a modification. Under US Treasury guidelines I should be eligibility for a modification based on XXXX. My daughter was diagnosed with XXXX and has suffered from XXXX XXXX which has left me to care and help her with daily living. I filed a chapter XXXX over 2 years ago and it is taken from my work check biweekly. which leaves me with around {$50.00} to {$70.00} per pay period. I have asked for help from Ocwen and denied.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX is misusing my private information without my consent. I never gave XXXX XXXX XXXX XXXX permission to use my social security number nor did i gave XXXX XXXX XXXX XXXX permission to inquire about my credit. I have no business relationship with XXXX XXXX XXXX XXXX and i did not apply for a loan. XXXX XXXX XXXX XXXX is causing injury to i.

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 09/14/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: We refinanced our Mortgage with Bank of America, using the HARP program, from a 30 year fixed to a 15 year fixed in XXXX of XXXX. The age of our loan is now 4 years and 10 months ( XXXX XX/XX/XXXX). Our original loan amount on the 15 year fixed mortgage was {$290000.00}. Our current principal loan amount is {$210000.00}. We have PMI on our loan and would like to get the PMI removed. On XX/XX/XXXX, I called Bank of America 's PMI Deletion department to get details on how to formally begin the process of removing PMI. I was told a phone call was sufficient - no written letter required to get the process moving. We received a letter on XXXX XXXX from Bank of America stating that a new appraisal had to be ordered so they could determine if we met the " 75 % LTV '' rule. We can only use their XXXX XXXX XXXX appraisal service - writing a {$480.00} check to Bank of America. The Homeowners Protection Act of XXXX states that, depending on the loan, a homeowner must meet the " 80 % LTV '' rule or the " 78 % LTV '' rule to get the PMI removed from their mortgage. There is no mention of having to meet a " 75 % LTV '' rule. Bank of America states " the loan to value ratio of your loan, which is based on the original sales price or appraisal value of your property ( whichever is less ), has n't met the established LTV requirement to submit a request to cancel PMI. Based on this, as well as the type and age of your loan, the requirements to cancel PMI on your loan are : 1. No 30-day delinquencies over the past 12 months and no 60-day delinquencies over the past 24 months AND 2. current property value has n't decreased from original sales price or appraisal value ( whichever is less ) and the loan to value ratio based on your current property value is less than or equal to 75 % OR 3. current property value has decreased from the original sales price or appraisal value ( whichever is less ) and the loan to value ratio based on your current property value is less than or equal to 75 %. '' Then they want a new appraisal for {$480.00} to determine if our loan meets the 75 % LTV rules. I want to know where Bank of America is using 75 % LTV when the Homeowners Protection Act of XXXX says either 78 % or 80 %. How is that legal? I want to know how they are using an appraisal from the refinance of the mortgage 4 years and 10 months ago - since this is a HARP loan and did n't require an appraisal. We never received any notice of this appraisal. I want to know exactly when we can expect to have the PMI removed. What are the exact steps to get the PMI removed? When is the loan at 80 % and when is the loan at 78 %? When will be PMI automatically be removed ( if we did 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 explanation
Consumer complaint received 08-11-2015 about Debt collection (Payday loan) with Excella Recovery Group (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I continually get contacted by people from Excella recovery group. I have paid multiple times on payday loans that I took out a few years ago. This time I was contacted by XXXX XXXX calling from XXXX, she gave me XXXX to call back if we were disconnected. I asked her what this was about and she said that a payment I had setup months before had just shown up in their database as declined. I did setup a payment ( I feel this is a scammer and that was my last payment to a scammer. ) but it was n't ever attempted to pull from my account. When I asked her for the original account number, she stated she had been given an incomplete file and hung up on me. As I think this is a scam, I have n't called them back and she has n't returned my phone call. This company has contacted my family and told them I owe this debt ( which I know is against the law ) and I do not need that happening to them again.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I received an alert that my XXXX XXXX XXXX Card was 30 days late. I 've verified with XXXX  that the account is not 30 days late. XXXX also advised that they did not report this information to the credit bureaus. I believe this was intentional act by the bureaus as my son is involved in litigation with the bureaus. The has caused me financial hardship as I needed to open an account but with a 30 day late mark on my credit file I was denied.

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 05/25/2017 about Debt collection (Other debt) with AFNI INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted by mail in  XXXX     2017  about a debt from  AFNI, INC. I called AFNI, INC. and they confirmed it is associated with a different person with a different SSN.      I asked that they remove my information from their records and that they not report this to the credit agency. I asked because this is the third debt collection agency that has tried to collect this debt, confirmed it was not mine, and then still reported it to a credit agency.     After explaining this, they assured me the debt would not be reported since it is not mine. On   XX/XX/XXXX  , the debt was reported to  XXXX  as an unpaid debt. I am now going through the process of disputing this debt ( for the third time ).     Attached is the original letter received fr om AFNI, INC.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Federal student loan) with GC Services Limited Partnership (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: To whom it may concern : I do not have the most accurate category in the drop down menu " which of these best describes your issue '', however, I did call and a customer service rep assured me that making a complaint here would be most efficient and that I could personalize my complaint here. 

My complaint is that the company who now has my loans, 'GC Services ', has consistently given me wrong/misleading information regarding my defaulted student loans. I was notified by the XXXX that my loans totaled about XXXX. I was sent a letter around the end of XXXX stating that I had 60 days to respond. I never got that chance, because the loans were transferred to GC Services. I contacted GC Services about two weeks ago so that I could rehabilitate my loans. I was told that I had rehabbed my loans twice before and was no longer eligible. 

I also called today, XXXX/XXXX/2016 and again inquired about rehabilitating my student loans. I was told that I had rehabbed them once and was not eligible. I asked why the discrepancy and then asked for supporting documentation, since I was on the Consumer Finance.gov website and would submit a complaint since by law, they have to offer me a rehabilitation for defaulted student loans. I was told they do NOT offer supporting documentation and I then asked for an address and phone number, neither of which were given to me. I was then transferred to a 'manager ' and when I asked for an address and phone number, I was asked " why '' - this does not seem like a legitimate business practice. 

I was given a phone number, but not an address - XXXX is the phone number that I was given. They also tacked on fees and interest, making the total XXXX. I do believe I am eligible for rehabilitation since my loan is defaulted and I am having financial hardship. I do not believe that this company has given me accurate information or represented themselves as a company that tells consumers the truth, instead, I have been consistently transferred around to various departments, 'managers ', been given false information, and told my only options were " paying the loan '' and I was told I could not rehabilitate the loan repeatedly with no real explanation outside of " you did it twice and are not eligible '', and then " you did it once and are n't eligible ''. Again, I do not believe it is best business practice not to communicate basic things like supporting documentation, addresses, etc. to someone who is attempting to resolve their defaulted federal loans. 

I was also told by GC Services to contact the XXXX, but I had already done that, and I get an automated response telling me to contact GC Services. 


Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied for a home improvement loan with XXXX XXXX Bank. They denied my loan stating that EQUIFAX did not have a credit score for me because I did n't have enough credit history for them to calculate a score. I have had a mortgage since XX/XX/XXXX, and have refinanced a number of times, the latest refinance was in XX/XX/XXXX. I had a problem when I went to help my son buy a car in XX/XX/XXXX. According to the car dealership EQUIFAX had no record of me. I did the online dispute with EQUIFAX ( THEY HAD MY NAME SPELLED WRONG ) Confirmation # XXXX They corrected it and I thought everything was ok until I applied at XXXX XXXX for this loan Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't XXXX and XXXX were also gon na remove it but still have yet to do so.

Company response to consumer: Closed with explanation