milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XX/XX/2014. to this day XXXX & XXXX reports the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now.

The current status should be reporting as Paid & Closed or Closed, not late!

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I spoke ro XXXX XXXX about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our problems started when Freedom Mortgage replaced XXXX XXXX manager of our VA loan. Freedom paid our homeowner 's insurance premium a second time. We were not aware of the duplicate payment until XXXX 2016 when we received a refund check from XXXX XXXX. XXXX We had not received any correspondence on this issue from Freedom. regarding their overpayment prior to received the ins. co 's refund.On XXXX XXXX, 2016 we sent a letter advising the refund and enclosed our check for {$1700.00} with a request that the money be returned to our escrow acct. The check cleared our bank on XXXX XXXX, 2016. We received a letter from Freedom dated XX/XX/2016 advising our escrow acct was being increased by {$170.00} per month to a total of {$610.00} per month. XX/XX/2016 we sent another letter asking why our payment was not credited to our account? We still do not know the answer. We have made multiple calls to Freedom multiple reps have not given any explanation in addition copies of my letters have been faxed twice to Freedom. XX/XX/2016 received letter requesting 30 days to respond to my claim, as of XXXX no response. XX/XX/XXXX rec 'd letter advising our acct in default, until {$170.00} paid. Letter indicated we would be sent to collections. To avoid late fees and possible black mark on credit history we allowed bank debit payment. Rep promised us that sup'r would call us within 2 days, still no contact. XXXX XXXX, 2016 Sent another letter with copies of my prior letters. Dispute now 3 months old, requested that we either get credit to our escrow or a cash refund within 10 days for our payment of {$1700.00}. Freedom Mort has caused us a tremendous amount of stress over their error. We are senior citizens and we feel the company is taking advantage of us with their total disregard for our rights. Their reps have apparently made no effort to correct their mistakes or to return our calls promptly as promised. Obviously, we need some help.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I receive alert on my XXXX XXXX portal that XXXX XXXX XXXX of XXXX XXXX, CT.XXXX Contact XXXX pulled my credit twice and there is XXXX hard inquiries on my credit report with Transunion , XXXX  and XXXX. 
Why XXXX XXXX not reporting accurate information? Is this a Retaliation from my file Federal Government complaints against XXXX XXXX? 
There should only be XXXX inquiry from XXXX XXXX XXXX not XXXX inquiries. 
XXXX hard inquiries is listed for XXXX XXXX,2017 My VA Loan agent only pulled my credit XXXX and she is with XXXX XXXX XXXX XXXX in XXXX, Florida. 
She is a excellent Military Veterans supporter and very experienced in credit matters.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Good morning I have a Navient Student Loan Account # XXXX with a new balance of {$90000.00} compounded daily at 6.800 % daily ( Direct Loan- Unsubsidized ). In XX/XX/XXXX, I called Navient for help & advise because my husband just died of XXXX. I lost my husband 's income and my student loan balance was right around {$78.00}. I graduated XX/XX/XXXX with my XXXX degree as a XXXX. 
I called and asked Navient for help ( XX/XX/XXXX ). I asked if I could reaffirm my loan and they said " NO. '' I never received any counseling on the issue. They said there was n't any other options, except Forbearance. So I had no choice. I needed to get on my feet again & pay for a funeral at that time. So I took the " one & only option. '' which was forbearance. For the last year I have accrued daily interest at 6.8 % on my loan resulting in over XXXX in loan debt. 
So three month 's ago the forbearance period was up & I started paying monthly on my student loan. My complaint is, I was n't given any other option and have accrued over {$10000.00} in interest and by balance is still increasing every month. Navient never gave any counseling or alternative & most of all they would n't help at all. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My Equifax credit report # XXXX dated XXXX XXXX, XXXX shows that both of the below referenced accounts were deleted from my credit report. 

XXXX XXXX Account # XXXX ( As it appears on my credit report XXXX XXXX XXXX Account # XXXX ( As it appears on my credit report ) Equifax removed them at that time and then reinserted them on my credit report without notifying me within 5 days of the reinsertion, per FCRA. I have since repeatedly disputed the above referenced accounts with them and they have not removed them again. I have an ongoing issue with Equifax not reporting all of my positive accounts, or removing my positive accounts on a monthly basis. They only re-report the accounts, when the companies report my positive accounts again. Now they have reinserted negative items that they previously deleted. Please see the attached proof of deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was told I had a phone services and I haven never had these phone services. I currently have XXXX and been with them for over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: IN XX/XX/XXXX I moved to a new town and pulled my credit and found that a XXXX XXXX court house placed a debt for XX/XX/XXXX on my report. I called them and the state office XXXX and paid the debt and received receipts and letters and paid additional fees to cover court cost to remove the lien on XX/XX/XXXX it was entered paid and released. However for the last nine years I have disputed this off and on with the credit bureaus and they continue to report it as unpaid. The item was paid in XX/XX/XXXX and both the XXXX attorney Generals office XXXX and XXXX XXXX Court Records division claim they removed it from reporting in XX/XX/XXXX when my spouse spoke to them this week they this is the credit bureaus error. I attempted to dispute online and it automatically states that all I can do is submit a statement due to a fair credit report act regarding disputing an item 2 times. However, the item continue to be incorrect as the fee was paid as evidence by the copy of my receipt and letter from the court below. In addition, I understand that paid tax liens must be removed after seven years from a record. This has been reporting now for 9 years. XX/XX/XXXX filed with court paid and this is XX/XX/XXXX XXXX 9 years ) I feel my federal rights are being violated and it significantly is lowering my credit score. I am asking this be removed immediately and not placed on again. This is a 9 year old paid tax lien and needs to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i call XXXX XXXX XXXX XXXX ask them to closed this account and they did n't Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been a XXXX XXXX XXXX for 4.5 years and my identity was stolen last year. The thieves obtained a credit card from Barclay which they used to rent and steal cars XXXX miles away in XXXX California. I have provided tips to law enforcement, leading to seizures of some of the thieves ' equipment, and the police have video surveillance and XXXX suspects in custody, caught in a stolen vehicle with many fraudulent IDs, including some for me. I have provided this information and the police report to Barclay and XXXX in multiple disputes since XXXX. I recently mailed a dispute to Barclay and requested all documents relating to this account, including a list of all charges and payments made, all investigative findings, when they contacted the law enforcement contacts I provided, and how and when they verified any and all information, as is my right under the FCRA. However, they have refused to provide me this information and are thus in willful noncompliance with the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: APR or interest rate

Complaint: My credit card charged me interest but according to the statement I should not have paid interest. See below : Per my statement below is how the interest should be charged : Avoiding Interest on Purchases ( Grace Period ) : If you have both Purchase balances with an APR greater than 0 % and you also have other promotional balances on your Account, you can avoid paying interest on your Purchases by paying {$4700.00} ( this amount includes any Minimum Payment Due required to avoid a late fee ). Please refer to the " Accrual of Interest and How to Avoid Paying Interest on Purchases '' paragraph on the back of this Statement for further detail. 
Per the back of my statement as reference above : B. If you have Purchase balances with an APR that is greater than 0 %, and you also have other types of promotional balances on your account, you still may be able to avoid paying interest on those balances without paying your Statement Balance in full. If this applies to your Account, you will see a Paragraph titled " Avoiding Interest on Purchases ( Grace Period ) '' appearing directly below the Interest Charge Calculation section on the front of this Statement. This will show the amount you can pay by the Payment Due Date and still avoid interest charges on your Purchase balances. 

I followed these terms and paid the amount in full by the due date of XXXX/XXXX/15 but they still charged me {$65.00} interest. Their response to my inquiry was that since the balance was for a promotional offer that ended on XXXX/XXXX/15, there is no grace period and interest started accruing on XXXX/XXXX/15. If that is the case it should be clearly identified as due XXXX/XXXX/15 to avoid interest on the statement. The statement is misleading at best and they should not print this on the statement if it is incorrect. Had I known there was no grace period I would have paid by XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have written contacted Experian on three different occasions. Twice through the mail and once through online dispute. I keep writing them and disputing a collection account that does not belong to me. They keep verifying that is is accurate and I asked them in the last letter how did they verify this incorrect information. They responded back with verified once again. 

They will not tell me how they verified this information. I never did business with the company in question so I know they couldn't have verified anything but they are reporting false information on 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 11/20/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My sister 's information is showing up on my credit report. This has become an issue because her bad debt is causing my credit score to drop. I need to know how I can get her information removed As Soon As Possible!!! A credit report has already been run. The Report # is XXXX. I do n't wish to have my credit run again as a hard inquiry as this will also reflect badly on my report. I was told that this report # would suffice for the issues in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit card () with SYNCHRONY FINANCIAL (PR).
Issue: Billing statement

Complaint: i am having problems whit my walmart credit card i always paid on time by the time they send me the statement of my bill i already have paid them.i am retired i get pay the begging of the mount and i pay them because they sent my statement always late.now the sent me the statement 3 weeks later XXXX inform me that i have a pastdue over my account which is not truth now they dont email me they call at my house all day long .they are harrasment until XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX I was struggling financially and I filed for chapter XXXX protection ; however, none of the filings was accepted by the Bankruptcy Court they all were dismissed. This complaint is to have all XXXX credit reporting agencies remove the information from my credit file. The Chapter XXXX Bankruptcy 's I filled in XX/XX/XXXX was NOT confirmed. I was told by XXXX that they can keep it on my credit report for 10 years, however, I live in California and the Federal Law is 7 years of the filling. Also, the plan was never executed and was dismissed/discharged in XX/XX/XXXX as well. I want all XXXX credit report agencies to remove all negative information relating to the Chapter XXXX 's I filed in XXXX, XXXX, XXXX, and XX/XX/XXXX. I filed them and the bankruptcy court did not process any of them ; they all were dismissed out of court and should not be on my credit reports in XX/XX/XXXX ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Payment Details First Half Tax Paid PAID DATE : XXXX/XXXX/15 : {$2500.00} First Half Tax Amount : {$2500.00} {$0.00} Paid Second Half To Pay Second Half Tax Amount : {$2500.00} {$2500.00} Unpaid Bank did not cr the amt they paid to my mortage, on my recent statement. 

Also the court threw out their complaint XXXX/XXXX/15 Payment Details Pay Period Payment Details Balance Due Status First Half Tax Paid PAID DATE : XXXX/XXXX/15 : {$2500.00} First Half Tax Amount : {$2500.00} {$0.00} Paid Second Half To Pay Second Half Tax Amount : {$2500.00} {$2500.00} Unpaid court rule that wells defaulted by not answering complaint,

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 08/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I called Navient about my repayment on student loans. I am currently paying {$330.00} a month on the XXXX of each month for loans. I called and asked to increase amount to {$380.00} and make due date the XXXX of each month. I made payment on XXXX XXXX and asked for next payment to be on XXXX XXXX. The representative said that was fine and set it up for me. When I checked my account online the next day ( XXXX XXXX ) it showed a payment of {$330.00} due on XXXX XXXX. When I called Navient they said sorry we messed up but we already starting taking out your payment and if I wanted to stop it I would have to call my bank. I was told it was my fault for setting up the payment before the date XXXX XXXX had passed because that 's just what their system does. I am so sick of the way this company handles business.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been struggling to work with SPS on keeping my home for several years now. I fell upon hard times when I lost my job of several years and could not afford my mortgage. I eventually fell behind and applied for assitance with Keep Your Home California. I was approved for this program but SPS would not accept the funds from this program and instead placed me into foreclosure. I decided to attempt a short sale but that has not turned out so well, SPS wants alot of money for my house and there is not a buyer willing to pay that much for my home. My home is in need of updating and minor repairs. I started working again and with my wife 's income I can now afford a mortgage payment. Since I have been unsuccessful with the short sale I decided to apply for a modification. I sent in all my documents and they were received by SPS. Now I am being told that due to me having a sale date that they can not work with me. The worst part is that they are unclear as to how much time is needed to review me for a modification before a sale date- I was told it was 7 days, but theyve had my package at least 10 days before my sale date and still refuse to work with me advising that their system wont allow it. I feel like this is the hardest company to work with, I have done everything they asked- I just dont want to live with having a foreclosure on my credit and I can now afford to keep my home. This treatment is very unfair I wish they would just be easy to work with but it seems like all they care about is foreclosing on good people that have come across hard times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX, 2017 for a  toxic property sold to me at XXXX XXXX XXXX XXXX  Arizona with arsenic, and that caused default. I received no response from them except one recent reply from XXXX. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time  wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?

Company response to consumer: Closed with explanation