milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I have submitted a request for account validation on different accounts from XXXX. I requested that they send to me the files they used to verify the accounts and the name of the person they verified with. They have ignored my request on 2 different occasions and continue to send me updates that the account has been verified without proof as required under the FCRA section of 1681 ( a ) ( 4 ), they is negligent noncompliance and a violation of Federal Law. Being that they are unable to verify and send information as to how it was verified it should have been deleted and they refuse to delete as well. I have been sending letters to them since XXXX XXXX, 2017 and it is well over the 30-45 days in which they are allowed to send over the validation or DELETE the item from my report.

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 06/18/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I have a XXXX mortgage with Citi Mortgage and with tremendous difficulty ( do to untrained personnel ) I was accepted into Citi Mortgages Modification program. I was mortified after completing my XXXX trial payments that over {$19000.00}. in interest was applied to my principle. The original principle amount was {$47000.00}. This " interest '' totals almost % XXXX of the original bill and by adding that {$19000.00}. to my principle itplaces my house under water by almost {$30000.00}. Citi Mortgage never disclosed that there was going to be an exorbitant amount tacked onto my loan. When I called and emailed to dispute this I was told that interest could not be removed because my XXXX mortgage was backed XXXX. I called XXXX and it is NOT backed by them. Citi mortgage has me running circles completing paperwork numerous times, placed me with many different unknowledgeable representatives whom I have to start the process over again with, and lied to me about the standing of my loan. Please help me save my home. I fell on difficult times I am not looking for a hand out ... Just what is fair. Citi Mortgage will get there interest over the life of the new loan so why are they allowed to double dip on interest and capitalize on my families misfortune? ... all while claiming to " help '' their consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CO).
Issue: Settlement process and costs

Complaint: Green Tree Mortgage Servicing company shorted what was due back to me when I refinanced my mortgage. I wrote the company on XXXX XXXX, 2015 requesting a complete accounting of why they feel that what was paid to me was correct. As part of the requested documentation was a complete history of my escrow account as they are claiming that two full months of MIP were owed to them when a statement received from them showed that the XXXX MIP payment was taken out of my escrow account with my XXXX XXXX payment. The payoff was received by Green Tree via wire transfer on XXXX XXXX, 2015. At most, Green Tree is owed 1 month of MIP and they have withheld two full months of MIP from what was due back to me. In their response, they did not provide the requested documentation nor did they fully account for the monies they withheld from my escrow and prepaid interest refund.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried on several occasions to rectify this issue with XXXX. They are reporting 2 accounts on my credit report as being 120 days past due in 2014. When I contacted them they admitted that they knew the accounts were not past due but due to paperwork and processing times my accounts will be reported as such. This is illegal and fraudulent and I am extremely unhappy about it. I have several other loans with XXXX and none of them have ever been late or delinquent so I am not sure why they are giving me these issues. I want them to report my account accurately by removing these fraudulent late payments immediately. I will not give up until I receive justice. I work really hard to keep my credit clear and this issue is so upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I just wanted to put in a complaint about the hard Inquiries that are affecting my  credit score  I have not given authorization to half of these lenders. Please have them remove From my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Medical) with Works & Lentz of Tulsa, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has continually reported these debts on my credit report. I have spoken with them and sent letters in which I stated to them this is the debt of my ex wife. Oklahoma is not a community state so therefore her debts are hers. She was never on my insurance and I did n't even live in the state at the time of this bill or years before that. They said I am past the 30 days of disputing this debt, however this debt was never sent to me before it went to collections or on my credit report otherwise, I would have disputed it then.

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

Complaint: I have had my loans for now for almost 10 years. yes I have put them in forbearance a few times due to hard times. I have received multiple notices throughout this time to consolidate the loans and it has always benefited me to do so. This time under Navient being my servicer I felt cheated and lied to. I called and asked about benefits in consolidating my loans with Navient and they responded that if I consolidated I would have less payments to make and therefore less interest would accumulate on the accounts ( at the time I had multiple subsidized and multiple unsubsidized loans. After I consolidated I found out I lost an interest rate deduction of .XXXX % from a previous consolidation with the Department of Education ( previous servicer ). After consolidating my interest rate went from XXXX % back up to XXXX % which on {$60000.00} is a big deal -NO WHERE WAS IT WRITTEN THIS WOULD HAPPEN TO ME. Unfortunately for me I decided to go back to school right before the great recession in 2007 so my interest rates are higher than my mortgage and my car loans combined. Why am I paying so much interest for an education! back to Navient. - One time I called in telling them I wanted to pay off my XXXX % loan with a lump sum payment. They were arguing with me on how to apply the payment telling me I needed to use {$2000.00} of my {$10000.00} payment towards some interest on the that did n't even exist and had n't accused yet if I want to pay off that loan in full. I did n't understand it but gave her the {$10000.00} payment and who knows how she applied. All I know is this - I 'VE HAD MY STUDENT LOANS FOR 10 YEARS - I borrowed XXXX and now I owe {$62000.00} - I made a lump sum payment of {$10000.00} - do the math - with the way my loans are accruing interest I will never pay them off, I 'm on the income based plan but with everyone wanting to consolidate me all the time ( XXXX already now ) I keep losing my " time '' under this plan and I keep starting over .... oh right I lost that too when I consolidated and she did n't say anything about that when I called either. My mom does n't understand why I have to report my income every year to the Federal Gov so they can determine my payment. Feels like modern day slavery to me except now it anyone with a student loan that is a slave.. We will never pay off this debt with the way this company is compounding interest upon interest upon interest. something needs to done with the amount of interest I am paying. Why am I paying more interest to the government for my education than I am to private banks for my mortgage or for my car or for anything else I want to borrow money for????? - SOMETHING IS WRONG HERE!! 

XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (I do not know) with National Enterprise Systems, Inc. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get daily robo-calls from National Enterprise Systems at XXXX asking for someone who does not live here. This has been going on for at least XXXX months. I have blocked the call, but they still keep calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Advertising and marketing

Complaint: XXXX XXXX XXXX in XXXX NJ offered 0 percent financing through a Wells Fargo Credit Card. While I offered to pay cash the store suggested I take advantage of the 0 percent financing. We charged approximately {$1900.00} for the furniture to the new Wells Fargo account. We paid double the monthly payment for about a year and owed {$200.00} on the account on the 1 year anniversary of the charge. When our statement came in the balance was {$610.00}. A {$410.00} interest charge was added because the account was not paid off completely in the first year. I immediately paid off the {$200.00} balance and contacted Wells Fargo. They would not remove any of the interest even though the account was paid in full within 15 days of the 1 year anniversary of the charge. I can not imagine how this could be a legal business practice. We were never made aware of what would happen after one year, and if we were, we would have never opened the account. We could have just as easily paid cash. I feel as if I have be mugged by someone on the street and my wallet stolen. Why is this practice allowed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2017 about Student loan (Federal student loan servicing) with MOHELA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I received this email from MOHELA yesterday : ITS THAT TIME OF THE YEAR Your 12-month period for reduced payments under an income-driven repayment plan is due to expire. To continue taking advantage of your income-driven repayment plan, you will need to renew your plans enrollment. Potential impacts if you do not renew on time : You may be placed on another repayment plan with a higher payment amount of {$770.00}. You may be required to provide additional documentation. <P/>I was told to login to https : //fsaid.ed.gov/ and fill out the paperwork. Why is MOHELA telling me to go to another website when they handled the income-driven repayment plan last year, and why do I have to do this every year? I created an account like I was told, and I had to wait till social security verified me. I get an email today that I have been verified, but when I tried to login, I was told account was already created. Duh, I created it yesterday. How do I get this handled before XX/XX/2017? How do I login into the right website? I also think I am being overcharged interest. I owe $ 77,000.00plus, but I do n't recall ever borrowing that much for college since I was on a football scholarship. With these figures, I will spend the rest of my life paying off student loans. <P/>All in all, I think the whole process should be handled by one company and not bounce around. I should be able to deal with MOHELA since they are the ones I am making payments to now. I just need some help before they really rip me off. There is no way I can pay {$770.00} a month. I have a fianc and XXXX kids to take care of. <P/>Thank you very much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a call from XXXX at XXXX on XXXX. I also got a call from the same number a week before. XXXX was the phone number the voicemail left to call. The voicemail was an automated recording to call about a fraud alert. This was the same voicemail from the week before. When I called the week before, no info was provided to me. When I called yesterday, on XXXX, I spoke with a gentleman who said he was XXXX XXXX, that the company 's name was XXXX XXXX, that their address was XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. I did not reveal any personal information of ours, but that gentleman had a previous address of ours, but not current. I was informed that my husband had gotten a cash debt advance from Bank of America in XX/XX/XXXX ( which he did not ) and that unless I wanted legal action to be taken immediately, including arresting my husband, that he would need my debit or credit card info right then and there to pay off the debt. I refused and told him he could pursue legal action since my husband did not commit any fraud, nor perpetrated any crime, and since any statute of limitations would have passed on any contract claim, which was inapplicable since my husband did not have that 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 10-12-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have XXXX accounts with XXXX that are over seven years old are are still being reported by the credit bureaus despite many protests.

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 07/27/2016 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from a number that is unknown to me. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I mailed certified letter off to Experian and per my tracking number the letter was received XXXX XXXX, 2017. I am disputing 8 inaccurate accounts that are being reported by Experian. I requested that Experian Please send me copies of the documents that they have in your files as of this date ( XXXX XXXX 2017 ) that they used to verify the accuracy of the accounts listed. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. I have received no response from Experian to this date. The incorrect information that is being reported is effecting me in a negative way. I was recently denied an apartment due to the incorrect information that is being reported. There is a high probability that I will be homeless if they dont correct the issue as soon as possible, since my lease is up. Accounts being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have student loan debt that is now under review for possible XXXX forgiveness, but the complaint that I filed also seeks damages because of damage to my credit and I also seek refund of applicable payments or similar such amounts due to me. My original complaint only partially addressed my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have made several attempts over the years to have these credit card accounts removed from my credit since it each have been more than ( 8 ) years. During XXXX call the customer service representative was so rude when I only was trying to have him answer some questions. He seemed just so irritated that we never got to a resolution. Mainly I was trying to clear my name with XXXX XXXX Bank who continued to send me bills and financial statements for a credit card I never Got or Used or even Seen before but the XXXX XXXX Bank has been able to keep this incorrect information on my report like the other credit card companies!! These outdated information is continuing to make it hard for me to have normal various rates such as others may have and to make better for my living and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (MO).
Issue: Managing the loan or lease

Complaint: I sold my car, sent the payoff to the bank via certified mail on XXXX XXXX and they received it XXXX XXXX. Today is XXXX XXXX, and my buyers are allowed 30 days to title/license the car they bought, but they need release from the lien to show the title is clear. The lien release was delivered to me by mail on XXXX XXXX. I called the bank today because the last time I talked to them they said they would be mailing a new title, so I called to say the title is not here and late fees are going to be assessed against my buyers. I learned today that being told I would receive a title was a mistake, I will only be receiving the lien release letter and that 's all I need. I 'm not concerned about that mistake, but mention it because if I had n't called the bank today to say today is the last day and I still do n't have it, I would n't know I 'm not going to get a new title and I would still be waiting for it, which would impact my buyers. I 've called the bank XXXX times during XXXX about getting the required documentation for my buyers. I mailed the payoff on the XXXX, they received it on the XXXX, they posted it on the XXXX, they allow 10 business days to clear the cashiers check I sent them, they mailed the lien release letter on the XXXX, and it arrived on the XXXX. This allows 1 day to get it to my buyers, who are at work, and XXXX minutes away, and the DMV closes at XXXX, so they 're going to pay late fees. I explained this to the bank on XXXX occasions, talking to XXXX and XXXX, and then talking to XXXX supervisors on separate occasions ( XXXX and XXXX ). They all acknowledge that the process was executed by the bank without mistakes and that the end result is that the title does n't get here it time. No one would take the initiative to at least SAY that it 's a problem for the customer, they 're established process that was executed without error did n't allow the customer to get the required documentation to the buyer within the 30 days allowed by state law to avoid late fees. THAT 's what I 'm complaining about. They KNOW this and are n't doing anything about it. When they told me last week the letter was mailed on the XXXX, they said it would take 10 business days to get it. They KNEW at that time I would n't get it in time. They could have changed their shipping method to get it here quickly. The problem is they know their process did n't work for the customer and they acknowledge this but do n't volunteer to improve the process. They do n't like regulation, but there 's a reason for it, and this is an example. Apparently they need to have a regulation to require them to execute a process that allows the customer to receive the required documentation in time to comply with state law without having to pay penalties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Credit card) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A party named : XXXX XXXX of Financial Asset Management Systems repeatedly calls my home phone number. And, now, he is telephoning my place of employment. I asked him to stop calling me, but he continues to call. During his call, he will not give any information about the debt that I supposedly owe. He asks me for my social security number and my date of birth. I do not give him the details that he seeks, but he continues to telephone me at home and at work.

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