milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (IA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage loan in XXXX XXXX with PHH Mortgage Services and can not get them to release the loan. In XXXX I took out a mortgage with my husband. This loan was paid off in XXXX when we divorced. I took out a new mortgage ONLY IN MY NAME to close out the joint loan with my husband. The joint loan should have been released in XXXX, but PHH sent me this release earlier this year. What I have been trying to get PHH to do is to release the mortgage that was only in my name. I called PHH on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. They kept telling me that they were working on the correct release. I then sent them a letter on XXXX XXXX, XXXX. PHH still has not released the loan in my name that I took out in XXXX.It was not a refinance of the original loan because I was taking the loan out only in my name and paid the joint loan off in XXXX to erase any connection to the home with my former husband. I need to get the release as soon as possible. This tremendous delay has made it now an urgent situation because I am planning to sell my house in the first quarter of next year ( XXXX ). Please do what you can to urge PHH to release the correct loan that had only my name on it. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Today XX/XX/2018 I called Transunion to see if they could of removed the inquiries in my credit report because my wife and I are trying to buy a house. So they said they wouldn't because I need to call each creditor. I called the creditors before calling Transunion to get them to delete them. They all said they love to help me but unfortunately Transunion is the one that erases the inquiries. I called Transunion and they didn't help me with my issue the representative didn't help me speak to a supervisor either. She insisted that I call all the creditors back. I told her that they told me to call them that they will erase the inquiries if I spoke with a supervisor. 
Obviously nothing was solved I don't like to complain but at this point they are keeping me from bettering myself and is not fair. I also was one of their customers that got a charged off account erased of my report and then a week later they put the account back with out telling me anything about. Why would they remove something of my credit and then put it back. That does not make any sense.

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 06-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Took out both private and federal loans. When tried to contact all loan companies ( XXXX XXXX, in particular ) was told I 'd have to pay hundreds of dollars to even start to defer my loan, which I can not financially afford. So rather than working with me on any amount I pay they will not LET me pay anything until I pay a few hundred dollar fee. I ca n't catch up, and they all refuse to work with me. The loan owners keeps changing and have never been able to produce my original promissory notices, which I believe is illegal ...

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Wells fargo has harassed me by calling me at home at least XXXX times a day and at work at least XXXX times a day, They take payments and place them in " unapplied funds '' for extended periods of time allowing the mortgage to become late and charge me a late fee. 

after several demands to stop calling and a cease and desist letter they are still calling several years later even when the loan is current

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 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: Old information reappears or never goes away

Complaint: I have these accounts on my credit report that are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX {$3100.00} 2. XXXX XXXX {$1500.00} 3. XXXX {$1000.00} 4. XXXX {$41.00}

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 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is trying to collect from me. I have not owned a comcast account for the last 2 years. I have XXXX. this account is listed as opened in XXXX, XXXX also never recieved a bill if I did owe before it placed on my report.

Company response to consumer: Closed
Consumer complaint received 02-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EXPERIAN HAS NOT UPDATED MY FIRST PREMIER ACCOUNT TO THE STATUS OF PAID COLLECTION OR PAID CHARGE OFF. I AM WORKING HARD TO RESTORE MY CREDIT AND NEED THIS INFORMATION UPDATED IMMEDIATELY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Recently contacted Navient to ask what the " Unpaid Accrued Interest '' was that was recently applied on the account. I have been making the payments on the account for the last two/three years, and it should not have had any missed or unpaid interest on the account. 

On XXXX/XXXX/XXXX, I spoke with XXXX ( XXXX ) about the {$94.00} that was added back to my account under the line item described as " Unpaid Accrued Interest '' on an account summary letter. 

After looking into the account, he identified the original balance financed and that the account was on a payment/interest reduction plan back in XXXX and XXXX. He explained the interest is coming from the interest reduction plan and added as " Unpaid Accrued Interest '' and added back to the loan. 

When I asked if they ( Navient ) were trying to make up for the lost interest while the account was on an interest reduction plan. He replied, " Yes ''. 

He offered his advise to refinance at a lower interest rate ( currently at 11.25 % ) or suggested that the borrower and myself pay-off the loan. 

It is my understanding that an interest reduction plan should be for that period of time and after that plan is complete, the consumer should n't get penalized for the plan by adding the lost interest back to the loan. Otherwise, why offer or have the option of these types of plans, if the company is going to try and get the money back from the consumer anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (MO).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I have a problem with American Credit Acceptance reporting to all credit agencies that I owe them {$8000.00}. I finance a vehicle XXXX XXXX XXXX and because of financial difficulties due to XXXX of my wife and lost income, I informed American Credit Acceptance I could no longer keep up the payments and I would voluntary surrender the car back to them. They took the car back and they are still reporting I owe them {$8000.00}. The original amount of the loan that was financed by them was for {$7000.00}. I paid {$2000.00} cash down payment. 

I want them to show that I owe them nothing because they have the car in their possession and they are adding more money to this account every month. 

I feel they are trying to mess up my credit. I need your help in getting them to correct the damage they have already did thus far to my credit. 

Waiting for your reply, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX located at XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013.
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The balance showing owed/charged off is {$950.00}. I have no knowledge or ownership of an account from XXXX XXXX. I have also never owned a checking or savings account through this bank.

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 06/13/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My car was totaled in an accident. My insurance company paid off all of the loan, or what I thought was the entirety of the loan, but Capital One is claiming there 's still a small balance. I was unaware of the discrepancy. The car was sold as salvage titled and registered to another person.  Capital  One reported my car as repossessed or in the repossession process which is now preventing me from getting another car loan. How was the car titled and registered to another person if Capital One is still the registered lien holder and there 's still a balance due? How can Capital One repossess a vehical over a balance less than the original cap payment amount? I need the repossession removed from my credit immediately. This is affecting my lively hood as I am unable to get a car to go to work

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Highly personal information such as my social security number, birthdate, drivers license, was divulged without my consent, potentially compromising credit that I have been working very hard and responsibly to build, thus threatening any future plans I hope to make such as buying a house or paying for school.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a dismissed Chapter XXXX Bankruptcy ref # XXXX with XXXX and Experian credit reporting and they say they have verified and it remains on my credit report and I know they have not verified the dismissed bankruptcy nor will they provided me with the verification of where and how the information was verified and I would like for it to be removed off my credit reports. According to the the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief '' .Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. In Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my 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 12-05-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian has been far the worst agency to work with, they have over XXXX fraudulent address and XXXX fraudulent last names. on my file that they refuse to remove, along with XXXX fraudulent accounts. Every time I write them they send me a letter saying its not legitable? when all my documents are typed out with XXXX point fonts double spaced. and I blow up every copy to prove my Identity. They have cause me a lot of XXXX issues. they refuse to remove, they never help and they send Generic response telling me to take it up with the creditor. I have done that with my Drivers License my state ID my passport proving I was out of the Country for three years. Experian has refused to help me as a Customer to resolve the matter. They never help I have tried to get help when I first noticed the fraud on my report and they are the last to help. I have sent so much proof to the company along with way to much info to the company that the fraud happen at. Please help me. 
XXXX Also Known As XXXX open XXXX cards within months from each other while I was out of the country. I sent them all the documents and they refuse to remove it. and Experian refuses to clean up my credit report from wrong and fraudulent address and last names.

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 09/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo still can not explain to me why, they denied my request for financial assistance help from New Jersey mortgage and finance. All I 'm being told by Wells Fargo, they are investigating. Yet they could not come up with an explanation to what happened. Its been weeks and still Wells Fago does not have answer to what happen. NJMFA, was willing to help me out and Wells Fargo refuse to except their help, onmy behalf. 

Other departments stated they have no information on it. It seems like this is being tossed around from one department to another department, and nobody can provide the actual information. I had attached the letter that states Wells Fargo denied me to get help. From this place, that was willing to help with the financial burden and pay Wells Fargo what was owed. If Wells Fargo was all willing to help me why would they denied the request from the state? Why at any point in time will Wells Fargo not accept any help from this agency what so ever? It should matter where it came from as long as they was helping.

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 10/13/2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX, I learned that my XXXX credit report was negatively impacted due to a collection agency posting a new collection on my report. I was shocked, and immediately called the Stellar Recovery whom was reporting the account. The amount of the collection is for {$27.00}, and it was sold to them by XXXX XXXX. I have never had an account with XXXX, and Stellar states the service address was for a home in Arizona to which I have never resided. Rather than assist me in removing the collection, they keep referring me to XXXX. XXXX is also unwilling to help since they are unaware of how to proceed, and can not locate me by my name. I have filled a dispute with XXXX, and I have also submitted a complaint with the FCC around XXXX and the lack of support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: On XXXX/XXXX/2016 I got ac unit from conns on credit but come to find out its to big for my window so XXXX/XXXX/2016 took it back for exchange for a smaller one but they would n't exchange so I left it there. All I wanted was exchange. I even called the main office no good even calling them.Now I want it off my credit all together. Why should I have to be forced to take something that to big.All I wanted was exchange. Please help me have this removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Hi - In  XXXX     2016 I o pened a credit card with  Citizens  Bank and I was under the impression that I had enrolled in auto pay. From  XXXX   2016 thr ough  XXXX     2016 I ma de additional payments which I thought cancelled out the auto payment - so I did not verify that  Citizens  Bank had successfully enrolled my account in auto payment. To my surprise I started receiving collection calls in  XX/XX/XXXX  from  Citizens  bank asking for a payment to bring my account current. I made a payment on  XX/XX/2016    so it surprised me that Citizens had sent me to collections to obtain a {$41.00} dollar payment for the  XX/XX/XXXX / XX/XX/XXXX  statement cycle even though I made a {$1200.00} payment.     On  XX/XX/2016    I noticed that I had received late fees o n  XX/XX/XXXX  &  XX/XX/XXXX  so  I called the  XXXX  number on the back of the credit card. They admitted responsibility for the error and waived  XXXX  fees. I inquired about the impact to my credit and after being transferred about  three  times I was connected to a representative in the credit reporting department and he assured me that there would not be a negative impact to my credit.     In  XX/XX/XXXX  I checked my  XX/XX/XXXX score and to my surprise my  credit score  had dropped from a  XXXX  to a  XXXX  fro m  XX/XX/XXXX  to  XX/XX/XXXX  du e to  Citizens  Bank claiming my account was past due. Over my whole credit history this has been the only late payment reported to the  XXXX  bureaus. This missed payment was not as a result of any financial hardships as I was making payments at the same time to other credit cards and loans - This clearly was an error on  Citizens  Bank and I am paying the price. This has resulted in my credit limits being effected on all my credit cards along with having the potential to hurt my future prospects of obtaining credit.     Over the last month I have carried on a extended conversation with the " office of the chairman department '' at  Citizens  bank. Unfortunately I received a letter that left me very dissatisfied - They pushed the blame on me and refused to reverse the adverse credit impact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MERCANTILE ADJUSTMENT BUREAU, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeatedly continues to try and collect a debt that is not mine. The debt is owed by a person with a similar name. Mercantile Adjustment Has published negative remarks on my credit report, which were removed. I have contacted Mercantile Adjustment many times to resolve the issue and they continue to attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (FHA mortgage) with CORNERSTONE MORTGAGE COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: 9 months after closing my loan I get a XXXX package. They need me to re do my loan, because them and FHA do n't agree on the appraisal and FHA wo n't finalize the XXXX, so they can resell it to a XXXX party. They expect my payment to go up, me to pay additional closing costs, and for me to get no credit for the last 9 months of payments. I get no phone call, no letter, just a package in the mail and no instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit card () with TD BANK US HOLDING COMPANY (GA).
Issue: Credit line increase/decrease

Complaint: I have been a Target REDcard Visa cardholder since XX/XX/XXXX. My credit limit on my account was {$2700.00}. I have always maintained my account in good standing. I paid my account down to a XXXX balance in XXXX XXXX and did not use the card to make purchases for more than a year. Target updated their cards with the new chip technology and mailed me a new card to activate. Upon activation I noticed that Target had reduced my credit limit from {$2700.00} to {$200.00}. When I called Target to inquire as to why my credit limit was reduced, I was informed that Target 's company policy allows them to reduce and/or close cardholders accounts after 13 months of inactivity. I was floored. I asked to receive this information in writing and was told that Target can not send me this policy that apparently is tied to my credit agreement with them in writing. Essentially, Target is penalizing cardholders for NOT using their available credit AND they are NOT informing cardholders that this is a requirement or part of their credit agreement. By reducing my credit limit from {$2700.00} to {$200.00} Target has now negatively impacted my creditworthiness and credit score with consumer reporting agencies and said that in order to keep the account open I have to purchase something on the card. This is a deceptive, very predatory and unfair business practice! How can Target be allowed to do this? I was never notified that I was in jeopardy of my credit line being reduced or the account being closed due to inactivity. I 've been a cardholder for almost 10 years and now I am being forced to incur additional debt when I do n't want to or have the account closed by Target which will significantly and negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Medical) with Tri-State Adjustments, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Oxygen company failed to submit claim to insurance company in a timely manner. I asked for the company to pick up equipment they said they needed an order from the doctor. The doctor provided it and they ignored it. I finally took it to the company myself.

Company response to consumer: Closed with explanation