milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XX/XX/XXXX I graduated XXXX and was accepted in to XXXX XXXX in XXXX Arkansas. At that time I applied for a private student loan through XXXX XXXX, now Navient. My co-signer was a friends dad who is a XXXX year old retiree. I have the documents to prove that loan exists. My complaint is there was another private loan which was taken out the next year in which I am paying for now but no one remembers applying for and I do not have the documents for. Now I have {$150000.00} in student debt, which XXXX is private and I only have 3 months of deferment left. I am on a 25 year repayment plan paying $ XXXX/month for the private loans and $ XXXX/month for my federal loans equaling {$1200.00} per month in student loans, which takes all of my income per month. I would like the CFPB to look into the private loans to see where the second loan came from, were any predatory lending practices committed, and if any of my loans can be forgiven. I would deeply applicate any help because I had no idea what I was getting myself into when I was XXXX, I was just trying to go to college.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Credit Complaint Record XX/XX/XXXX Equifax - Disputed Items Account Name Account Number Type Disputed Since XXXX ( XXXX XXXX ) XXXX Collection XX/XX/XXXX (? ) N/A XXXX Collection XX/XX/XXXX (? ) N/A XXXX Collection XX/XX/XXXX Note : Page XXXX is the escalated notarized complaint to Equifax. 
Pages XXXX show that the XXXX account was removed 3 times from my Equifax report in XX/XX/XXXX! The credit bureau verifies that it is erroneous and takes it off but the company is practicing unfair reporting. Please have this permanently removed from my file. 
The XXXX additional " N/A '' accounts were payed off over a year ago and have not been removed by Equifax. 
Dear CFPB, The items listed above have been disputed multiple times since the initial date listed beside them. Attached please find the supporting documentation that shows what actions were taken through either me or through the XXXX XXXX XXXX to try and resolve these credit errors. I have attached the verified records of the credit disputes and pray that you will assist me with getting these items resolved from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After pulling my credit report I found a report that showed I had a " Return Check '' for {$50.00} to " XXXX XXXX XXXX ''. I wrote the Collection company and the Original creditor : " XXXX XXXX XXXX ''. I heard back from both. 

The collection company, Trident Asset management, LLC, wrote me back stating that they were sending the debt back to the creditor and closing my account. 

I received a call from " XXXX XXXX XXXX '' from a person by the name of XXXX XXXX who called seeking more information. After finding the information she never sent the documentation to me for me to address. How am I suppose to pay a debt owe if the Credit wo n't send me the information?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: Hello, thanks ahead for your time reading this message I believe my line of credit was denied base on the amount of fund. First, Wells Fargo could not convince us to transfer our auto loan onto the LOC. They will have to reduce our LOC from {$20000.00} to {$10000.00}. Since they do n't make much money for any loan amount below {$12000.00}, the treatment of the loan was totally different from the earlier stage of application. It seem like they were forcing us to quit with the process, since they are not going to make much money. After XXXX months of submitting them every little piece of financial information that they needed, Wells Fargo rejected my loan application based on my loan to debt percentage. 
All of the information that they needed to determined this loan to debt ratio was provided for them from the beginning stage. How much we make and how much we owe could have been picked up during the initial application process. Our point again, Wells Fargo was forcing us to quit with the loan since the loan amount was small. At the end, Wells Fargo denied our application of a very weak basis that they have not explained in writing. 

We have tried to contact our loan processor, but our email was ignore. We were asking on the information that they used to determined my loan to debt ratio. We figure with our salary of over {$100000.00} a year, a mortgage less then $ XXXX, {$200000.00} equity line, we could afford another $ XXXX payment for the LOC of {$10000.00}. Apparently, not!

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 05-11-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: My husband and I applied for a loan through Bank of America on XXXX 2014. Prior to that we got a pre-qualification letter signed. They denied the loan after an extension was made after a signed 30 day escrow due to a Fidelity Bond issue. They collected upfront a {$470.00} appraisal fee, {$75.00} Bank of America 's own Homeowner 's Association Certificate, {$50.00} XXXX XXXX XXXX doc 's. The condo appraised for more than the asking price, our debt to income ratio was good, we had an excellent FICO Score of XXXX XXXX 20 % - 25 % down. We signed a XXXX escrow with the buyer, which the owner extended for Bank of America due THEIR to the Fidelity Bond issue. Bank of America wanted the owner 's ( XXXX owner 's in total ) of the condo to have a Fidelity Bond ( NOTE : NO OWNER handles the money, it is done by a professional company, The XXXX XXXX ). The XXXX XXXX handles repairs, maintenance, collecting HOA dues, etc. Bank of America decline this loan for the sole reason of this Fidelity Bond issue. This left us all hanging including the owner and realtor for an extended time XXXX XXXX, 2014. Bank of America would not refund {$600.00} total from all the fees we paid upfront even when this was solely their call and not within the XXXX Guidelines.

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 07/18/2015 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have received XXXX letters now XX/XX/XXXX from a collection agency on a debt ( that I do n't even remember ) from XX/XX/XXXX. However, I do remember that I had any and all debts discharged from a bankruptcy XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Auto) with U.S. Auto Credit Corporation (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: US Auto Credit employees are contacting my job, family members, and friends sharing my debt information with everyone. They are showing up to every persons home listed in the contract and letting them know personal information also asking personal information in regards to me. When I call to make payments they do n't allow me authorization for automated pay services. Instead, I must go through their rude customer service agents who constantly argue with me unprofessionally about paying my debt. I see no reason to dispute with me when I 'm actually paying for the automobile. I have been receiving this harassment for months and I am no longer allowing this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have unauthorized inquires on my XXXX XXXX Credit Report. I have sent letters asking the credit reporting agencies to give me information on the the inquiries including my personal authorization allowing the companies to pull my report. The credit reporting agency has not provided the information I 've ask for. I received notification that the information had been verified and I know that ca n't be the case because I did not authorize the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: In its XXXX XXXX, XXXX response ( Ex. XXXX ) to my prior CFPB Case XXXX, Ocwen confirmed that the subject loan has been owned by American Home Mortgage Assets Trust XXXX ( " AHM Trust XXXX '' ) continuously from XXXX XXXX to the present, stating, " the Consolidated Note was never transferred out of the AHM Trust XXXX. '' Importantly, in later contradicting said statement in the same response, Ocwen nonetheless states that the loan is held by American Home Mortgage Servicing. In addition to be inconsistent with the initial response above, said response requires withdrawal of the inconsistent documents under Ocwen 's Consent Judgment with CFPB. A more complete explanation is set forth in the attached letter to CFPB General Counsel XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: On Friday, XXXX XXXX, I deposited a check totaling {$1900.00} into my Chase savings account. On Monday, XXXX XXXX, the check cleared and the funds were posted to my account. I then called Chase bank and spoke with a customer service representative. After a five minute recorded conversation, I was assured by the representative that the check had cleared with no problems. 

This morning, I received a notification from Chase bank that the check was returned and my account was now {$1800.00} overdrawn. After speaking with Chase customer service twice more, I was informed that the check was " altered '' and that the funds were no longer available. 

After I explained to the supervisor how I had already called the bank to confirm the check was cleared, the only response was apologies and a promise train their customer service agents more fully.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Checking or savings account (Other banking product or service) with ALLY FINANCIAL INC. (IA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Ally Investment purc hased  XXXX , an online investment company. I am unable to reach  Ally Investment  by phone regarding my account. I called the telephone number provided on the web-site (  XXXX   )  multiple times during the day, and was on hold for hours. I also called Ally Bank general telephone line (  XXXX   XXXX  ) and spoke to a supervisor, who informed me that he was unable to reach the investment team, using the direct telephone number via the bank telephone system.   In addition, I sent  Ally Investment  an e-mail (  XXXX  XXXX  XXXX  ), complaining that I am unable to reach their telephone customer service. They replied by instructing me to restart my browser. There is an urgent issue that can not be completed on line, and requires a telephone customer service assistant, but I am unable to reach this financial institution. This  may  cause me financial lose.

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 07-08-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (NC).
Issue: Settlement process and costs

Complaint: We put our house on the market XXXX XXXX 2014 for $ XXXX within a week we were told greentree wanted $ XXXX. we signed all the paperwork. we submitted everything as it was given to us within XXXX hours.We received a letter dated XXXX XXXX stating " you can not be involved in an account modification and a short sale where an offer has been submitted, accepted, accepted, approved and is pending closing, or a deed- in - lieu where the deed has been executed and the related documents are being finalised '' greentree repeated thisXXXX times in the letter. I think a reasonable person has an expectation of a closing being imminent. The closing was set by our lawyer for XXXX XXXX. XXXX kept asking information which had been submitted. They never asked for an appraisal until XX/XX/XXXX. They did not allow a closing until XXXX XXXX. I believe they do not act professionally or with the custom in mind. I truly believe they just did not care about performing their duties in a professional and prompt manner. I had a contact person but when I kept calling they transferred me to a line that was an answering machine. no one ever returned my calls. 
I expected my credit to drop, but what is hurting me now is that they are showing late payments, which if they did there job promply and professionally we would have closed by XXXX XXXX 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: The lender is refusing to review the clients file for loss mitt options - We submitted the loan modification package to the lender on XX/XX/XXXX they failed to provide us with a missing docs letter - we spoke to the lender on XX/XX/XXXX and was advised of missing items - the missing items were provided to the lender on XX/XX/XXXX - the lender did not pull the requested docs to confirm they were received for the review until XX/XX/XXXX and then advised that due to the sale date being on XX/XX/XXXX they were denying the review for loss mitt assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My issue concerns my credit score ... XXXX it list me as a ( very Poor ) credit risk.. Primarily basing the conclusions on credit inquiries.. & credit card usage ... XXXX I 'm am a debtor, who works very diligently to pay my bills & pay them on time ... # 2 I do not use 'Credit cards to pay credit card or other monthly Bills that are Due ' Indeed I pay my bills with the cash that I earn, from the sweat of my brow. I use my credit cards for goods & services which is what they are designed for. # 3 'I never ever pay minimum amts Due on credit cards ' instead, I use them more as, an easy way to pay for goods & services.. But in this modern day world of Internet sales & the like. I somewhat insulated against scams & the like..Mosty Importantly ..I am extended credit ..because of my payment creditworthiness & no matter how much of my credit I use I should not be penalized unless I 'm in default ( Computer models & probability charts should not Count ) ... My goal is to repay the debt.. & that 's what I have done.. 100 % & my credit score & Rating from the Bureau should lean most heavily on this simple fact ..when issuing My Credit Score '

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 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: On XXXX/XXXX/XXXX I was told an auto loan was opened in my name which I got a vehicle in XXXX/XXXX/XXXX. That vehicle is now reporting on my credit report as a repossession as well as reporting twice. I have called Experian, XXXX and XXXX. I was told by Experian that they verified the account and I can continue to dispute the same issue. Experian also told me that they see that it is a duplicate account and the sad part about it, that I clearly states a duplicate account with the same account number I have also asked XXXX XXXX XXXX for a copy of my contract and to no avail did I get anything from XXXX XXXX or Experian which stated to me that they do n't have to verify anything with me what Experian told me is that they only report what is given to them no matter If there are any issues I need to take that up with the company. No matter how many times that I explain that they are damaging my credit by reporting this same vehicle twice with XXXX different amounts on it they said it would be nothing that they can do.

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 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX performed an unauthorized hard inquiry on my account. I 'd like it removed

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 03/18/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: I have no contract with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (I do not know) with EOS Holdings, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNTRUST BANKS, INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked for my number to be taken out, and to be removed after I explained to the debater I had set up to call back at a later date was told this is not how this works, told him to just take me off do not contact me, received another call a week later with another rude person.

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 01/25/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX listed an account in my credit report that was more than seven years old and paid off. The listing was incorrect, so I called XXXX and was told that XXXX had no information on the account. I sent a letter to both XXXX and to Equifax, explaining the problem and disputing the reporting. XXXX wrote back indicating it had no information on the account and would report accordingly to the credit bureaus. XXXX and XXXX deleted the information but Equifax subsequently re-reported the information as having been 'verified '. I sent and faxed Equifax XXXX letters twice during the month of XX/XX/2017 and Equifax has taken no action. I understand that the law provides there is 30 days to conduct an investigation but when the information has been 'investigated ' in bogus fashion, I wait for the result, and then prove to Equifax that the information is incorrectly reporting, I do not see how or why I am required to wait another 30 days for another meaningless " investigation. '' XXXX and XXXX get it right. Equifax gets it wrong.

Company response to consumer: Closed with non-monetary relief