milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Experian continues to report inaccuarte information on my credit file. There are several student loans that are reporting as late while they were in general forbearance. Every time i dispute these items they say they are verified but with whom? The loan servicer sent me documentation that the loans were in forbearance. They are other loans reporting late that were being consolidated and had a forbearance as well. The loan companies direct me to dispute with the credit agency and the credit agencies wanted me to get the loan agencies to update, Its just so much back and forth. The loan companies appear to have poor record keeping. They buy and sell loans and change owners and it get really confusing and the consumer gets hurt. There is also a bankruptcy on my report that I have disputed and requested validation that keeps coming back verified. The information is incorrect. The agent that I spoke with two days ago stated that there was a variation of my social security number so that may explain somethings. I just dont know. I do know that I am tired of disputing over and over again. I feel helpless and at the mercy of the agency. And the data breech with XXXX has made things so much worse. I had unauthorized inquires and everything. I just do n't know what to do. There is also a XXXX XXXX charge off that I disputed multiple times that I do not believe is accurate. I am sending over all of my documentation so maybe someone will look at it and take me seriously and help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was responsible for inadequately protecting consumer personal information, and increased my personal vulnerability to fraud as a result of my personal sensitive information being exposed along with millions of others from XX/XX/XXXX thru XX/XX/XXXX of this year..

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax will not remove a dismissed Chapter XXXX bankruptcy filed XXXX/XXXX/XXXX and dismissed in XXXX from my report. 
Some history : I had good credit prior to my marriage in XXXX XXXX. I owned a home and was renting it out when I moved to XXXX, Oregon. In XXXX XXXX I learned that my husband was over {$65000.00} in credit card debt and his home was in forclosure. Because I was unemployed and could not afford my payments, I sold my home on XXXX, Oregon in XXXX in a short sale. In XXXX XXXX we consulted XXXX XXXX, to file a Chapter XXXX bankruptcy. I was working part-time and she said my name had to be on the petition in order to be eligible. Under duress, I agreed to include my name on the petition to avoid forclosure. 
I later learned that spouses do not have to file jointly to be eligible. The XXXX Court website which states " Married individuals must gather this information for their spouse regardless of whether they are filing a joint petition, separate individual petitions, or even if only XXXX spouse is filing. In a situation where only XXXX spouse files, the income and expenses of the non-filing spouse is required so that the court, the trustee and creditors can evaluate the household 's financial position. '' I left my husband in XXXX XXXX and moved back to XXXX. The divorce was final in XXXX XXXX. I started working in XXXX XXXX and have been paying my bills and rebuilding my credit. I 'm trying to purchase a home now and the bankruptcy is still on the Equifax report. 
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, Equifax has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, this record must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Student loan (Federal student loan servicing) with GRANITE STATE MANAGEMENT & RESOURCES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: The Dept of Education transferred a Plus loan from   XXXX   XXXX   year  XXXX / XXXX  to Granite State Management & Resources. I did not receive a notice of transfer. I did not receive anything from Granite State in the mail either. I did receive e-mails from Granite State indicating that I should set up an account. They did not reference an account # or the Plus loan for my son. It looked like a Phishing email, frankly. Anyway, I was not worried since on the credit application we checked that it would be deferred until after Graduation. Then, out of the blue and via e-mail only, I get a notice of delinquency and a threat to trash my credit rating. Still nothing ever in regular mail. I call them to see what this is all about and they say that the loan is due now and that I am past due for 3 payments. Why did I never receive anything, via e-mail or snail mail to this effect? Well, because I have to set up an on-line account to see the payment messages. Why are you collecting on a loan that was not supposed to be due until my son graduates? We did apply for the loan at StudentLoans.gov and we did check the option of deferring until after graduation but Granite State ignores that and just states : " Oh, the deferrals do n't always work. You can go on-line to request that ''. Nice to know. So I finally go on-line and set up an account but there is no way to defer to post graduation unless you have a hardship or low income. Is this true? First I 'm hearing about it. So much for check boxes on the application. Not wanting to trash my credit rating I had to set up payments immediately, paying past due amounts and agreeing to automatic withdrawals. I still have no explanation as to why none of this was communicated properly in e-mails or snail mail nor why I ca n't defer until after graduation. And their customer service personnel on the phone are atrocious. No explanation, no help, just " that 's the way it is ''. Please, tell the Dept of Ed. to stop selling loans to these people. They do n't seem to know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (KS).
Issue: Loan servicing, payments, escrow account

Complaint: My loan company ( Loan care ) claims that I have shortages in my escrow account that is causing my house payments to go from XXXX a month to XXXX a month. whenever I call and ask them they either transfer me to a different department or they say it is because I have had flood insurance. Loan care is my XXXX mortgage company that I have had and I have owned flood insurance from the time I got the initial loan. my taxes and insurance have stayed the same give XXXX dollars. I am unable to re-finance due to having a late payment and I asked if I could make partial payments but they told me I could not. Before this all happened they sent me notices that they did not have proof of insurance and if I did not send it in they would buy there own policy for me every 1.5-2 months and every time I would send it in. They would also try and send me a refinance offer once a month as well. I would like out of this company but due to my situation I cant go anywhere. I feel something is not right and have read exactly the same cases with other people.

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 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OK).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Chase has  sent me   XXXX  c redit cards  (   Amazon Prime C hase credit card ) without me applying for them  :   XXXX   last y ear around   XX/XX/XXXX  and  XX/XX/XXXX and  XXXX  last month (    XXXX  2017 ).    I did not apply for any of the    XXXX    cards.   All  XXXX  times, I called Chase and was transferred to the fraud department. But I still got another card in the mail  ( new account number each time )  after the  XXXX  and  XXXX  cards and phone calls. Now Chase has issued me another card just last month.   I have never been an  Amazon Prime membe r and have never requested a credit card from Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IN).
Issue: Problems when you are unable to pay

Complaint: I have a car loan, through Ally Financial, that was part of my bankruptcy. My bankruptcy was discharged on XXXX, but after XXXX unsuccessful disputes through XXXX the account is being reported open, and Collection/Charge Off. It also shows a balance of {$1600.00}. It is my understanding, since this account was part of my bankruptcy, it can not be reported as collections/charge off or open. I have had the title for the car since XX/XX/XXXX, which Ally Financial sent to me. Please assist me in rectifying the reporting of this item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have cancel my card as soon I found out they took an yearly fee. I told them I do not want another year and they refuse to refund. I told them to cancel my card. I get a bill for XXXX 2 month later. I try to tell them they owe me money ... and they hang up the phone. I feel I been taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: We have XXXX past due home equity loans with Bank of America that we have been trying to resolve either through a repayment or modification program since XXXX 2016. Bank of America has not been working with us in good faith since they found out that the primary lien with XXXX had been paid off. In turn, Bank of America has now moved the defaulted first home equity loan to the primary position. The second equity loan balance is less than {$600.00}. We sent a check to pay off this second equity loan and Bank of America returned our check and suggested we submit a loan modification application. 
We submitted a loan modification package in XXXX 2016 to try and modify the equity loan and our dealing with Bank of America has been nothing but nightmare. We contact lender at least 2 or 3 times a month for status updates. 
We have been working with XXXX who is our assigned account manager and she has given us several status updates that turned out to be untrue. For example, several times she had told us our file was in review and pending decision only to find out our file was not even active in loss mitigation or being reviewed by anyone. 
Recently, we were told that lender needed updated insurance certification prior to making a final decision on our request. Few days later we called and was told by another Account Manager, that our file was not active and she said she was going to escalate the file. That was the second time we had been told that our file was going to be escalated. 
We spoke XXXX who seemed very knowledgeable about our situation, he suggested the reason our file was being rejected is that the file was being submitted as a combination of both liens and since lender can not combine both liens, file would be rejected. He suggested we pay off the balance on the second equity loan which we had tried previous but the payment was returned. 
Bank of America would not accept a check to pay off the second equity loan and they are giving us the run around on the first equity loan. 
We requested to be assigned another Account manager who understands how to handle this type of situation. Since then, each time we call Bank of America, we are told we got the wrong department and they say they are transferring us to the right department and most of the time when they transfer us, it either goes back to the general automated phone system or the phone systems tells us that our call could not be completed and to please hang up. 
All we are trying to do is resolve our past due obligation and prevent further collection and late payment fees which have continued to pile on. 
Please help us. We are very frustrated and do n't know what else to do. 
Thank you

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 05/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX fails to remove the XXXX CARD account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account Credit Limit is {$19000.00} and yet EQUIFAX reports that this account was TRANSFER/SOLD. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the day of first delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Medical debt) with United Revenue Corporation (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have made several attempts with this company to receive the proper debt validation on this debt they allege I owe them. There have been multiple certified letters and to date the information requested has not been provided. The collection agency has reported this debt verified to the credit bureaus so I am well within my rights under FCRA to request the legal supporting documentation to validate this debt. As you can see, United Revenue will only respond that this is an emergency debt and my claims are frivolous. Requesting documentation that validate this debt that are reporting on my credit profile is not frivolous. If they have proof of what is owed and can validate this debt then they should not have no issue supplying what is requested. This explains why there are multiple unanswered complaints from them to the Better Business Bureau-their operation is not being conducted legally!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Consumer Loan (Installment loan) with CITIBANK, N.A. (AZ).
Issue: Managing the loan or lease

Complaint: Best Buy Citi Card has been charging me for debt protection for almost five years. I was not aware I was being charged for this service until I took the time to review multiple past statements. I do not recall every signing up. I called Best Buy/Citibank ( it 's never clear who is who ) and was given the run around. I was handed off from call center to call center : XXXX to XXXX to XXXX to XXXX back to XXXX. The level of obfuscation and time wasted is breathtaking. I would like a full refund.

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 04/30/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Using a debit or ATM card

Complaint: I have been with M & T bank for a while and have had issues with my money being played withThe feds frauded meI have n't received my policies and I 'm just to the point idk know what to doMy debit card is offMy name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage abruptly changed to a new Servicer ( from Imortgage to XXXX Mortgage ). My payments are automatically sent every XXXX via my bank. With the late notice, I did not have time to change the payment to the new servicing company. I called the previous company ( Imortgage ) -- to explain and request the payment be transferred to the new Servicer XXXX XXXX XXXX. Problem is Imortgage is no longer taking live calls pertaining to my account. I just get an automated message telling me they are no longer servicing my loan. Then the call disconnects. What can I do? I recently received a statement from the new Servicer XXXX XXXX XXXX telling me that my loan payment is late. When I called them to explain, and complain that they did not give customers enough notice, they did not seem to care. They told me to call Immortgage to 'figure it out '. Well, clearly Imortgage doesn '' t want to be bothered either. The XXXX rep I spoke to claimed to have made notes on my account ... but really not sure about that. Should I call my bank and stop payment? Or do I just wait and hope it gets worked out? I am SO frustrated, and really could use the advice. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX/XXXX Account # :XXXX I was never late 60, 90 or 120 days in the months of XXXX and XXXX 2016.
I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my 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 07/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received info that XXXX XXXX has sold my LOAN account Navientwithout my knowledge to avoid being taken to court for unlawfulillegal loan that they distributed and lied about.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (DC).
Issue: Struggling to pay mortgage

Complaint: I, wish to report in this complaint Ocwen Loan Servicer for fraudulent business and predatory lending practices. The aforementioned has harassed and threatened me in it 's attempt to have me to enter into a Mortgage Loan Modification, that they have no authorization to do so. They have provided fraudulent information to support their attempts, misleading and inaccurate, outdated data that has no bearing on this matter. The DEED of TRUST that I entered into was with Litton Loan Servicing and when they went out of business that agreement was legally null and void, and non-transferable. I have not entered into any agreement with the aforementioned entity, and will not do so at this time. They have no authority or standing, to pursue this matter which has now become predatory in nature in their relentless pursuit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with JPMORGAN CHASE & CO. (DC).
Issue: Billing disputes

Complaint: I was improperly charged for an XXXX XXXX flight from XXXX to XXXX on XX/XX/2017. On XX/XX/XXXX I purchased a ticket, ( XXXX XXXX ) for {$240.00}. When I arrived at the airport on XX/XX/XXXX the airline agent mistakenly informed me that I did not have a reservation. They informed me that my only option was to purchase a new ticket, ( AA XXXX ) for an additional cost of {$360.00}. On returning home, I found that XXXX tickets had been changed to my XXXX and paid to XXXX XXXX. Although the XXXX ticket was purchased under duress and fraudulent circumstances the XXXX agent would not process my request to stop/recover payment stating that I could recover only the {$240.00} cost of the original ticket. Thus the airline and XXXX profit from their error and I am being compelled to pay the extra cost as well as suffer the inconvenience of a 5-hour delay.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: COLLECTOR IS IN VIOLATION OF FCRA, FDCPA, TCPA LAWS FRONTIER COM IS IN VIOLATION OF F.A.C.T.A.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have 4 Stafford loans that have been eligible for loan forgiveness for the last 12 months, but Navient never contacted me to indicate that I may be eligible. I, therefore, paid about {$3500.00} in student loans that could have been forgiven a year ago because I am a nurse and have worked in a XXXX hospital for the last 36+ months ( now 48 months ). It seemed as though Navient did not want me to learn this information. There were 4 steps to get to the link with the Care for XXXX Nursing Loan Program information on it. Also, unless a client were struggling to pay student loans, I do n't think that they would typically go looking for loan forgiveness programs, such was the case for myself. I feel as though Navient should reach out to its clients who qualify or may qualify for these programs to let them know.

Company response to consumer: Closed with explanation