milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax had a data breach and leaked my SSN and other personal information

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.

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 09/18/2017 about Debt collection (Payday loan debt) with BTH Management (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted PLAZA SERVICES on XXXX/XXXX/XXXX and spoke with a manager. I stated to her that I received a response from the company stating that the account was recalled from collections. With that being said the account is still reporting on my credit report and when I asked her why she informed me that they still have the authority to report the debt even though it was recalled from collections which I know is ILLEGAL on all aspects. She was very rude and that 's not good business practices especially when you are trying to collect a debt that has been bought for pennies on the dollar which still has not been proven to be mine. Not to mention she did n't even state that that was a debt collection agency and that was an attempt to collect a debt. I will not hesitate to take legal action because I have been compliant on my part. I have already started the proceedings and if the company does not comply with the FCRA from this point on I will not hesitate to proceed with my lawsuit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (FHA mortgage) with Selene Finance LP (NJ).
Issue: Trouble during payment process

Complaint: Please note : I tried contacting Selene Finance regarding my loan, in XX/XX/XXXX, and they refused to give me any information regarding my loan. The only information they gave me, was to contact the attorney that was representing me. I DO NOT have an attorney that is handling my mortgage. The only time a lawyer was handling my mortgage, was in XX/XX/XXXX when I filed for bankruptcy. The lawyer that handled my bankruptcy has disbarded himself recently in XX/XX/XXXX. I have not received any statements from Selene financing, only what I enclosed. I sent them 2 payments, in XX/XX/XXXX and XX/XX/XXXX, both payments were returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
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: trying to get inaccurate inquiries off credit 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 03-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX XXXX while I was deployed to XXXX, my parents co-signed a student loan for my spouse in the amount of {$26000.00} ; the loan was initially financed through XXXX XXXX and later sold/transferred to Navient. My spouse and I separated, and later divorced in XXXX. 
In early XXXX, due to my mothers failing health, my parents attempted to refinance their home, only to discover, since my ex-wife had not made payments and the student loan was in arrears, their loan was denied. 
Upon contacting Navient, my parents were told my ex-wife had repeatedly been granted deferments to take additional classes in additional to not making payments. At no time, as the co-signers, were my parents notified or conferred with when she deferred the loan to take additional classes or when the loan fell into arrears. 
We have been unable to contact my ex-wife ; attempts to call her last known phone number, use her last known email address, and mail certified correspondence to her last known physical address have gone unanswered and/or been unsuccessful. 
The loan which started at {$26000.00} in XXXX XXXX is now {$33000.00}. 
Parents : XXXX and XXXX XXXX XXXX XXXX Account is under the name XXXX XXXX ( maiden name XXXX ), # XXXX # XXXX DOB XXXX XXXX XXXX If you need a XXXX contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Medical) with Millco Management (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The amount owed to the account was {$65.00}. This account was paid in full via online payment processing on  XXXX / XXXX /  XXXX  . I check my credit through a monitoring service and I see that this company has decided to split my payment and apply a portion of it to another account which leaves the account I was paying in full open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries were made without my consent please remove

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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed  XXXX   XXXX  with the balance of  XXXX  several times thisd is not my account I was not in lease I was an occupant only it needs to be 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 08/21/2015 about Debt collection (Mortgage) with Dyck-O'Neal, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I contacted Dyck-O'Neal in regards to their account # XXXX. In the letter, I explained that the note was a modification of an existing mortgage loan, not a new financial instrument. Further more, I supplied a XXXX clearly showing that the entire balance was charged off and that a Satisfaction of Mortgage was filed on XX/XX/XXXX after the date that Dyck-O'neal states this account was opened. Since my communication to Dyck-O'neal, no satisfactory explanation of how their account is a valid debt has been provided to me. Communication from them has been sporadic at best, with no communication during recent periods of a year or more. Recently, I disputed this account with XXXX credit reporting agencies since Dyck-O'neal decided to start reporting this account as late. The disputes resulted in still no details of why this debt is valid. 

In a nutshell, this debt was 100 % charged off by XXXX XXXX during a Deed-in-lieu of foreclosure and Dyck-O'neal has no right to attempt to collect on this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (I do not know) with EXPERT GLOBAL SOLUTIONS, INC. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receive phone calls on my mobile phone daily. I am usually unable to answer the calls, and there are no voicemessages left, so I am unable to call back. They also called my work, which is unacceptable. I work at a store and am not allowed to receive personal calls, I have never given out my work phone number, and I want them to stop calling my work before I get in trouble with management and my job is in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: A company named XXXX is harassing myself, my husband and my parents, claiming that my husband owes XXXX to Bank of America from 2004. They have threatened to take him to jail, they said theres warrants for his arrest, they call from several numbers from different states in USA. I spoke with XXXX XXXX and he was unprofessional, says they legally do not have to provide original documentation for debt, and said he bought the debt on a spreadsheet for pennies and is going to sell our information to someone else. He knew my name, address, license number, dob, etc. He said the calls are not going to stop no matter what you do. They refuse to stop harassing us even when I have stated this is not a valid debt, and have requested original documentation to show validity of the 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 10/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had a Federal Student loan with XXXX XXXX from 21 years ago. 
Navient obtained it and is now incorrectly reporting the loan as XXXX loans on on my credit report. XXXX loan is for the original loan amount with several months reporting late, which is incorrect. This loan shows closed, while a XXXX loan shows open as of recent for almost double the the amount of the original loan. I have sent a dispute letter to Navient for for the incorrect reporting and they have not only not acknowledged my dispute, but are continually reporting the inaccurate information. 
I waited a full 30 days and sent a second dispute letter, once again requesting proof of what they are reporting and still no response and still reporting these inaccuracies to the credit bureaus. Not once have I received acknowledgement from Navient on my request for information. They have not marked my account as being disputed with any of the credit bureaus. It has been over 90 days and by law they 're required to mark my account disputed with in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a mortgage for more than 13 years and it is not reported on all XXXX credit bureaus. I also have had several auto loans which I paid off at XXXX XXXX XXXX XXXX XXXX that I have paid off in good standing not being reported as well.

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 02-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: We applied for and received a XXXX loan modification last year in XXXX 2015. Ocwen Loan Service was the loan servicer, it was a truly difficult process. 
We owed about XXXX at 6.5 % payment about {$2900.00}. We were approved, 4 years at 2 %, then 1 year at 3 %, then 1 year at 4 %. Our payment now is about {$2300.00}. 
In XXXX 2015 the loan was transfer/ sold to XXXX XXXX and I received a notification that we were short on our escrow of {$3000.00}. As I dug into the paperwork, I saw a {$2900.00} payment out of the escrow and it looks like it went back to Ocwen in late XXXX. I wrote both companies and complained about the issue and they responded that everything was right. But everything is not right. 

I just sat down to do our taxes and it was reported that we paid Ocwen around {$3000.00} in interest and paid XXXX about {$3000.00} in interest. total about {$6000.00} We usually pay about {$16000.00} in interest a year. I glanced at the statement last night and it looks like the credited themselves about {$9000.00} XXXX XXXX different {$1500.00} payments ) from interest payments back to Ocwen in XXXX 2015 XXXX around the time of the modification ). 
I am currently looking for an accountant or attorney that may be familiar with XXXX rules to help look through this process and see if it was handled correctly? 

I believe that that the HAMP modification performed by this company has been thoroughly screwed up. I would like to know if you have heard of other people complaining or are concerned that Ocwen may have taken advantage of? 

I would be willing to send all the appropriate documentation if there is someone that may be willing to help me go through this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX I have contacted Bank of America again to ask them to honor attached checks issued on XXXX XXXX, XXXX. Bank of America owe me {$9800.00} plus 20 % interest, {$100.00} late fee each month starting XXXX XXXX, XXXX ( date of loss ) until paid in full, my personal time $ XXXX/hour for 20 hours to collect stolen funds, pain and suffering etc. I have informed this bank numerous times that I do NOT know the person who stole my savings in XXXX and XXXX. Bank of America was notified immediately regarding stolen funds once I found out. I also have proof showing theft changed my accounts ' address and obtained all my information to open new accouts which totally against my will. Bank of America has issued 5 letters and 5 checks to honor the claims. At this time, I am asking Bank of America to honor these 5 checks, DO NOT cheat constomer as a burlgary victim and rights violation victim. Furthermore, Customer NEVER authorized the person who stole the funds to do anything. Instead, all I experienced were financial loss and health damages, vehicle damages ( cutting tires etc. ) from this theft. 
1. Check # XXXX Amount : {$8500.00} ( see attached image ) 2. Check # XXXX Amount : {$1300.00} ( see attached image ) 3. Check # XXXX Amount : {$3.00} ( see attached image ) 4. Check # XXXX Amount : {$3.00} ( see attached image ) 5. Check # XXXX Amount : {$4.00} ( see attached image )

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 11/14/2017 about Student loan (Private student loan) with SUNTRUST BANKS, INC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX I took a student loan out for my daughter a sum XXXX original lender was XXXX XXXX, three months later I go on XXXX and default. XXXX XXXX sold my account to XXXX. When XXXX contacted me the principal default XXXX, interest accrued {$4300.00}, other charges accrued {$34.00}, collection cost accrued {$140.00}, collection cost projected {$5900.00}. The loan exceeded a total of {$38000.00}. In XX/XX/XXXX I did the student forgiveness program with XXXX. XXXX told me to pay as low as {$5.00} a month, but I had to pay {$5.00} for 8 months I completed the program. two months later I get a letter from SUNTRUST asking me to pay {$400.00} every month to pay the student loan. I do n't owe SUNTRUST anything. I am afraid they are going to destroy my credit again.

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The account was opened without my consent. I want it removed immediately form my credit report. They are showing   XXXX   different reports to the credit bureaus.
  XXXX   XXXX   XXXX   XXXX   Account Number  XXXX  Account Type Credit Card Terms Revolving Date Opened  XX/XX/XXXX  Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days two times Status Updated XX/XX/XXXX  Balance {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , DE   XXXX   Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Transaction issue

Complaint: I went into home Depot an aplied for a credit card an I was approved for XXXX {$.00} They asked if I would like to use it for my purchase which was some XXXX like XXXX $ I declined an said I would like to wait till I get my card so I paid with cash.well when I got my card 3 months later I went into store to use it an it was declined for a purchase of XXXX $ that turned into XXXX $ with late fees I told them it was a mistake I just got my card well they told me that I was just XXXX since I did n't keep my recite that was 3 months ago for a piece of XXXX an that has messed my credit up since then an they will do nothing to help over XXXX $ that I would have been taking care of if I knew about it what can I do

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Billing disputes

Complaint: I paid the monthly payment, online through Capital One 's website, in the amount of {$50.00}. The minimum amount owing was {$46.00}. The next morning when I checked my bank account, the site had taken {$1400.00} from my account! I called and was told there was a hold on the payment, since they thought it was " odd '' ... .but they could n't do anything about it, except put me in touch with a representative from my bank. My bank said they could dispute the charge, and reverse it, and that 's what I did. I then sent a payment of {$50.00} via a check, ( not wanting to go through that nightmare again ), which they received and cashed. Two days later I received a letter saying my credit card had been closed, but I still owed the balance. Then I get a bill from them for the entire balance, plus a late fee and over limit charge.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Student loan (Non-federal student loan) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: It takes AES 1-2 months to set up autopay. It 's 2016! I paid off my XXXX XXXX XXXX online. XXXX and XXXX direct debit my payments on time. It 's easy and quick to set up direct debit at these other loan servicing companies. This company uses out-of-date technology and does not care about its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Application, originator, mortgage broker

Complaint: I went through a home modification in XX/XX/XXXX. XXXX sold my mortgage to Nationstar Mortgage. Nationstar tends to go up every year and I have a fixed rate. I asked why and the representative stated the taxes are going up. When I get my notice from the tax assessors ' office, the taxes were going down but the mortgage was constantly going up. Lately whenever I try to lower my rate by refinance, streamline, or any type of service, they say I do n't qualify or you need to wait a year. When the year is up, the hit my credit stating I am late. Recently I paid my mortgage and the representative stated I was late and I know I was n't. she stated that by the time it posted to my account on their end, it was late. I told her that I have no control over their posting system but I should n't have to suffer for their error. My mortgage went from XXXX to in XX/XX/XXXX XXXX. I told the representative that this mortgage is getting to be ridiculous. The representative asked why am I complaining? I told her I was complaining, I was merely mentioning the practice of this organization. She laughed. I have not done any additions or modifications to this property. To me it seems like this company price gauge the property to keep customers locked in to them. Businesses should understand that word of mouth goes a long way and they should n't abuse the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CIT BANK, NATIONAL ASSOCIATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i have about  XXXX  credit hard inquiries that were randomly on my account all within a weeks time frame.     I did not make these inquiries as I was building my good credit starting at a score of  XXXX , and these inquiries knocked me down to a score of about  XXXX  I have contacted the credit bureaus as well as the credit companies who processed the hard inquiries.   They said it was authorized, although this was online transactions, that I did not do!     I have authorized  XXXX  inquiries but at the time my ID was stolen by a former roommate, so I am assuming it was inquiries by this individual who no longer lives with me ... if not it has to be hackers!!

Company response to consumer: Closed with non-monetary relief