milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have filed a dispute twice with Experian advising them that information reported by XXXX XXXX is not correct and should be removed. This is common sense. In XXXX XXXX I took a {$56000.00} loan to buy a truck. It was a 42 month loan. I defaulted on the loan. That we all agree on that, but XXXX does not report a " date of first delinquency '' at all and reports a charge off date of XXXX XXXX and paid as agreed XXXX XXXX. So I submitted a dispute twice to Experian questioning 1. How could I have first been late starting the 7 year clock XXXX XXXX when the maximum maturity of the loan would have been XXXX XXXX. Remember the loan is 42 months. XXXX XXXX plus 42 months is XXXX XXXX. No one can be late in the XXXX year of a 3yr loan. That 's nonsense on its face. Also in the Experian file the payment history is marked paid as agreed XXXX XXXX and charged off XXXX XXXX. Does anyone believe a loan can go from paid as agreed to charged off in one month? But as I mentioned earlier, these dates are nonsense because the loan was 42 months. XXXX XXXX would be the XXXX month of a 42 month loan. But in any case that point is almost moot because the law requires the clock to start at the date of first delinquency not the charge off date. I ask Experian about the XXXX and XXXX history because that is material to my dispute and they admit they do n't know. They are in clear violation of the law because the information they have makes no sense, its incomplete or either unverifiable. I seek immediate removal of this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my credit one time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize it.

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 07/30/2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Through the attached communications I am slightly confused by who is the correct person and/or agency to answer the questions that I have concerning the loan and thus, I am forwarding to CFPB to get the answers to the following questions : 1 ) confirm that the ECMC added " collection cost '' fees are payments that they are requesting be made for the skip-tracing tactics that you used to collect the debt including calling references and those not listed as my references in the original loan? 2 ) why would Navient, and not ECMC be able to answer the question in regards to how ECMC defines what the collection cost ECMC is charging in the prior email? 3 ) What is XXXX current role in regards to the debt ECMC bought from them? 4 ) Is the collection charge instituted from ECMC or is it from XXXX? 5 ) Should all questions and concerns be sent to them? 6 ) Does that mean that arrangements can be made with them and not ECMC, are they considered to be one in the same?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with Ocwen and filed a chapter XXXX bankruptcy in 2012 and it was discharged. However, Ocwen is still reporting the account negatively after the bankruptcy and it is affecting my credit negatively which is against the bankruptcy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Capital One is blocking me from enabling external applications ( like XXXX ). I believe that by blocking me from accessing my own financial data, this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am unable to place a temporary credit lift on my frozen credit file online with Equifax.com. I am attaching a screen shot indicating that my credit file can not be referenced on equifax.com. I am also unable to place a temporary credit lift using the Equifax automated phone system. I have tried to contact the Equifax customer service and web support help desk without any luck. I am effectively being forced to call-in on the phone in order to temporarily life my frozen credit file. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Struggling to pay mortgage

Complaint: We at XXXX XXXX are assisting XXXX and XXXX XXXX, in mortgage modification due to financial situation that occurred in their lives. XXXX had a very-well established international business in XXXX. Business was dealing with commodities in XXXX Region. They started their business inXX/XX/XXXX, and up until the drastic changes in the political and economical situation in XXXX in XXXX, gave a very good profit, and they were able to establish very comfortable and luxury living. They applied for Mortgage, were approved and bought a house at XXXX XXXX XXXX, XXXX XXXX PA XXXX. Then their mortgage was sold to Nationstar, loan # XXXX. In XX/XX/XXXX, when the XXXX Government was changed after the so-called Revolution of Dignity, the trades were rapidly diminishing, and they lost everything what they were able to establish. This hardship is permanent for them, because due to the political situation and their age and health issues ( XXXX and XXXX years old ), they will not be able to re-establish their business and their income. Loan modification will be of great help for them to survive. They want to continue to live in their house and make reasonable mortgage payments. They applied for loan modification several times. Every time the offer was more and more ridiculous : 1.  XX/XX/XXXX - offer {$3200.00} ( Original Mortgage payment was {$3100.00}. ) 2. XX/XX/XXXX - offer {$2900.00} 3. XX/XX/XXXX - offer {$2900.00} 4.XX/XX/XXXX - offer {$2800.00} XXXX and XXXX XXXX rejected all offers, because all of them were not affordable, and they all sounded more like a joke, or sabotage of professional duties by Nationstar. Nationstar assigned loan specialist, XXXX XXXX XXXX, who never picked up the phone, return our numerous phone callsor respond to our numerous inquiry letters. Her team members know nothing about this file, and act absolutely unprofessional and rude with the recommendation to sell the house and move out ( recording dated XX/XX/XXXX our conversation with XXXX ). Nationstar has a slogan, which is announced every time when you call them or receive correspondence from them : " At Nationstar Mortgage, we 're committed to helping homeowners find solutions that could help them stay in their home and continue enjoying all the benefits of homeownership. Even in times of Difficulties. '' These are the times of difficulties for XXXX and XXXX XXXX, who suffered tremendous financial loss due to political and financial situation at the location of their business. Nationstar completely twists the real purpose of the loan modification, which is clearly stated in their slogan. Nationstar Mortgage modification team acts prove that Nationstar Mortgage has no desire to assist the homeowners to keep their houses in times of hardship. That completely contradicts the idea and purpose of mortgage modification and their own policy. If you have any questions, you can contact XXXX XXXX at XXXX, or XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Balance transfer

Complaint: On XXXX XXXX, 2016 I submitted a balance transfer request from Chase Slate card to pay off XXXX. I was instantly accepted for the balance transfer and it took 20 days to process it before the commerce bank card wa paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 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: Personal information incorrect

Complaint: I 've called and started investigations on numerous occasions to have inaccurate inquiries on my report removed.  Company  still has n't removed inaccurate inquiries from my file.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: stuff showing inaccurate information that is not mine violates my rights i have filed police report that i enclose .. also hippa and ID theft gov please this removed

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I recently filed for bankruptcy in 2016, when contacted by the Navient Student Loan they wee informed of this. I asked to have the forms sent to me to start the process of having the loans removed off my account since I did file for bankruptcy. I was told that I would receive the forms by mail on XXXX different occasion in the meantime the rep said that I would be put in forbearance. That conversation took place on XXXX/XXXX/2016 and was told in the email it would last until XX/XX/XXXX2016. Than I received another email XXXX/XXXX/2016 that my forbearance was ending. I have still yet to recevie the paperwork for a dismissal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (FHA mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested the amount to payoff our mortgage from Seneca Servicing, I have sent them the required paper work 4 times now in over 2 weeks and copied myself as well and I get the attachment but they say they do n't get it so they will not give me the payoff amount. I do n't know what I can do to force them to admit they got the paper work and give me the payoff amount. Please help us as we are seniors and want this debt gone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 06-11-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have filed a few complaints against my lender, Bank of America.I never see any follow up with the CFPB.My life has been ruined by BOA and no matter what proof I have or what I write nothing is done.I went thru some hard times and fell behind.I have done everything gone everywhere to save my home.I should have never gotten a loan to begin with because my income could not support the loan.They knew that I would fall behind and they would take my home.I never got a rescind letter with my loan and in XXXX I mailed to BOA that I want out and they never even replied.They are guilty of so many wrong doings but nobody does anything so they continue and get away with it.I filed so many documents and they told me ; they told me they never received them or I send them to the wrong address or fax number, even though they gave me the numbers.As I said all along all I ever wanted was an affordable payment to save my home.They have dragged the process so long so the amount I owe makes my home unaffordsble to me.This is what they have been doing to me since 2009.They always wanted to throw me out of my home.They lie and make up stories to make it look like they have been trying to help.They have XXXX me at every turn.The end result is they want to take my home away from 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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Called  XX/XX/XXXX  for report #  XXXX  in reference to incorrect inquiries on my credit report. I spoke with  XXXX  and he could not help. I requested a supervisor and they refused to help. Incorrect inquiries listed below :  XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/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 explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This complain concerns that XXXX has reported a failed to pay status on my credit report in reference to my previous lease ( XXXX XXXX XXXX account # XXXX ). the agreement per new lease being obtained ( XXXX XXXX XXXX account # XXXX ) was that three payments were going to be made by XXXX XXXX XXXX dealership itself and the last two payments being taken care of by the loyalty program. In result, that would of taken care of the five final payment obligation on previous lease. The final two payments through the loyalty program were not received by XXXX as agreed upon then when the new lease took place. I have been to the dealership a few times, I have wasted more than 3 hours of unnecessary time waiting to speak to the manager. I have always been told that the manager ( XXXX ) would see me and that I had to wait. Long after waiting and getting upset with the staff, I was told that the manager would not be present that day. Attempted to make a few direct appointment to see the manager ( XXXX ) and every time he was never present for our appointment. 
i have called XXXX directly to resolve this issue without any success. Upon the last clarification from XXXX XXXX XXXX 's financial supervisor due to my fathers bankruptcy the loyalty program will not take effect even though i was not in any way involved with his bankruptcy. The sales & leasing consultant XXXX XXXX knew of my fathers bankruptcy during the transaction and i was informed by him that this would not be an issue or problem to make all the payments needed in order to close the old lease account # XXXX and preceded in selling me the new lease ( account # XXXX ). I am very frustrated with the financial hardship and credit damage. As this has lowered my credit from a XXXX to a XXXX and now showing my status as a delinquent. This has complicated my financial aid and other financial issues. a failed to pay status on the old lease from XXXX has been posted in my credit history. All of this unnecessary work, time, headache and worrying was unnecessary had the staff followed all necessary steps finding the discovery of my fathers bankruptcy status. This should have never taken place as to the employees have all the resources they need at their fingertips.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I am on a bi-weekly advantage payment plan that makes my monthly mortgage payments on my behalf to Ocwen. These payments are sent by XXXX Bank XXXX Ins company each month. On XXXX XXXX, Ocwen misdirected my monthly payment to my Escrow account. XXXX different Ocwen escalation agents have confirmed this is an error on Ocwen 's part. XXXX promised it would be taken care of within XXXX business days and provided me a number to reach them at directly if it was not resolved by then. XXXX have not been reachable since. It is now XXXX, I 'm still receiving collection calls and letters. And today XXXX/XXXX/XX/XX/2015 I received a formal letter in the mail that requires me to respond by XXXX/XXXX/XX/XX/2015 as to whether we want to refinance our house or apply for a loan modification. We do n't need assistance in paying our mortgage, Ocwen needs to apply our payment appropriately. Additionally, we pay approximately {$420.00} extra dollars towards our principal each month of which they are placing in a suspense account because they say they can not apply it to the principal until our loan is current. Our loan is CURRENT. I 'm at my wits end and feel it is time to hire an attorney. I have documentation to support this claim, as well as XXXX XXXX 's confirmation directly to the escalation specialist of the payment and the check number, of which they have confirmed was indeed cashed. The escalation specialist # 1 was XXXX, XXXX ID XXXX, XXXX, extension XXXX and # 2 XXXX XXXX, phone number XXXX, option XXXX, extension XXXX. Additionally, on XXXX/XXXX/XX/XX/2015 XXXX XXXX instructed me not to make any further payments until this was resolved to cut down on confusion on which payment I was making while they work this out. Had I followed his direction I would likely be in line to lose my home at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: FCO ( fair COLLECTIONS and outsourcing ) has a debt on my credit report that is not mine. I have filed disputes against them and have had it taken off my credit reports many times due to no actual contract between myself and FCO. And it keeps popping back up under either a new kind of debt ( revolving credit, loan ) or a new start date. This is clearly illegal and unethical and I want this item removed from all credit reporting agencies permanently as suggested by my lawyer to do so after they were shown how FCO is getting around the process at the credit agencies. Clearly they have been hit with lawsuits in Washington DC   for similar reasons. I was never brought to court about this ridiculous amount of {$2300.00}. Or given a chance by FCO to dispute before put into collection. Nor have I been given proof that I have signed any kind of contract with them for them to come after me for a 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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit - $ XXXX/each in my state - with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. In addition, they are offering a " free '' service, that only lasts for one year ( after which I must pay monthly ). I 'm not convinced that someone trying to steal my identity or get credit in my name will be worried about waiting a year to start fraudulently using my information. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I 'm constantly getting calls from : XXXX XXXX. The person whocalled said her name was XXXX XXXX, calling XXXX XXXX, about my account w/Bank of America, last XXXX digits of the social is XXXX. 
I told them, several times now, to quit calling me. Even tho my namemay be XXXX XXXX, that is not my legal name, nor does my SS # end in XXXX and to please REMOVE MY NAME & NUMBER FROMtheir list. I get a call regarding this info, at least once a day for the last30 days, and finally I 'm fed up w/it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: US BANK Inquiry Date : XX/XX/XXXX US BANK CONSOLIDATED inquiry date : XX/XX/XXXX-XX/XX/XXXX I have never applied for US BANK on this dates, us bank consolidated put 2 inquires on 2 different days and us bank 1 one inquires on mentioned date, i never gave permission to put inquiry on my XXXX 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 non-monetary relief