milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Noticed account listed on credit file with multiple errors : late payment history, missing data, incorrect balance and unrecognized interest and fees. Disputed account with credit bureau to obtain validation of data being reported. They have knowingly reporte inaccurate, unverified data without proper debt validation. I requested that XXXX XXXX provide validation under FCRA sec 609 but after 60 days I have yet to receive proof and this is a clear violation of my consumer rights.

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 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NV).
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: XXXX XXXX XXXX did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Mortgage) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I called Navy Federal per my agreement with them since my bankruptcy that I would keep making my monthly payments to keep my home out of foreclosure and was catching up bit by bit. They told me I 'd get a letter accelerating the balance but they would n't send it to attorneys as long as I completed their borrower 's assistance packet which I returned to them via mail & they confirmed receving it. I have made every payment faithfully except in XX/XX/XXXX I was unable to reach their Loss Mitigation Department who is the only person that will process my payment. I was out of the country and called as soon as I got back to make two payments and that 's when I learned they hired their lawyers after receiving my response packet. I 've made XXXX payments in the last 120 days and am under a Federal Home Loan Modification. I 've told this law firm that and they said " well you have no rights to see a judge so we 'll just foreclose anyway unless you pay the full balance today. '' I do n't have the full balance of my mortgage. I returned all of the borrower 's assistance documents to Navy Federal in XX/XX/XXXX and never received any response from them. When they got my paperwork apparently they just hired this crooked law firm to throw me out. I have gone XXXX over the mortgage and I request an investigator be assigned to look into this. I told them I dispute the debt because to foreclose now is illegal they just said to e-mail them but it wo n't stop anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: As a result of a Credit Card furnishing me with my updated FICO score periodically, and having recently applied for credit, I learned that there is a XXXX point difference between XXXX of the XXXX reports. I spent time and money to find the XXXX, and was directed to file a complaint to an address that does n't exist by Transunion ( the one with the lowest score ). I tried to get all XXXX of my reports for free, but when I was on the phone with XXXX to get a bunch of information corrected ( duplicates, wrong address information, incomplete work history, some of my son 's credit history included in mine ), I timed out and was unable to retrieve or correct the other XXXX reports, though I 'm sure the same misinformation exists. This process of each of the XXXX companies using different models, different information, and NOT sharing a credit score unless the owner of that score pays for it causes the consumer to be denied credit frequently. Speaking with the individual company ( Transunion ) took XXXX hours and I never got an answer-a supervisor hung up on me ( XXXX XXXX ). He would not furnish me with his direct line or an address, or refer me to anyone else before he hung up on me. He also stated he could n't pull up my report and insisted I tell him what " factors '' affected my score, but could n't explain any of them. The entire process was frustrating, provided no information of value, and caused me a great deal of stress-and I still have no answers as to WHY I have XXXX credit reports with vastly different scores. Finally, when I asked for an address or contact information to file a complaint, I was given an address of FCRA, Credit Bureau Disputes, XXXX, DE, XXXX. This address is NOT associated with anything relevant to filing a complaint and I feel the supervisor purposely gave me false information to lead me astray.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX, at XXXX as well as the detective with the XXXX Police Department that this was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Experian remove the Charge Off showing under my name with XXXX as well as remove this account and Experian as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit.

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 08/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: PROPERTY MORTGAGE WAS PROVIDED BY BANKING INSTITUTION XXXX XXXX, XXXX. 
WASHINGTON MUTUAL / JP MORGAN CHASE Offered INTEREST ONLY Modification Loan late Afternoon XXXX XXXX. XXXX ~ Letter of Rescission Hand-Delivered To Branch Manager XXXX XXXX XXXX, XXXX - Due To Analysis that MONTHLY Savings Were Insignificant ~ AND MORTGAGE Balance Would Not Diminish. 

XXXXKEY ISSUE : MODIFICATION Document Did Not Contain ANY Reference ContainingTO Rescission!!! XXXXXXXX DAYS AFTER RESCISSION LETTER : BANK FORWARDED MONTHLY STATEMENTS - FOR XXXX MONTHS - TITLED " PRINCIPAL & INTEREST, WHICH WAS PAID TIMELY! 
IN XXXX XXXX : CONSUMERS REQUESTED COMPLETED XXXX MONTH FILE WHICH UNCOVERED THE INSTITUTION 'S " FRAUD " OF COLLECTING CONSUMERS P & I BUT CREDITED " INTEREST ONLY "! 
XXXX XXXX ~ IMMEDIATELY NOTIFIED SUPERVISOR OF ESCALATION DEPARTMENT THAT MORTGAGE CORRECTION OF {$48000.00} MUST BE ISSUED IMMEDIATELY & WAS ADVISED THAT SAID MORTGAGE CORRECTION WOULD BE ISSUED - WITHIN 3-4 WEEKS. 

XXXX YR LATER - XXXX XXXX / XXXX YRS LATER - XXXX XXXX ; MANY DOZENS OF FAXES / FEDERAL EXPRESSES / CEO OFFICE / TELEPHONE / LABOR : XXXX WEEKS [ XXXX HRS PER WK @ {$200.00} = {$2000.00} X XXXX WEEKS = {$190000.00} ] XXXX INSTITUTIONS ADVISED MONTHLY! 

NOTIFICATION BY CONSUMER : IF NOT RESOLVED BY XXXX XXXX, XXXX - ALL MONTHLY PAYMENTS WOULD BE PLACED IN E S C R O W. 
XXXX XXXX : INSTITUTION & STATE-UNLICENSED LAW FIRM FILED FORECLOSURE - DELIVERING M A S S I V E DAMAGES VIA NOTIFICATIONS TO ALL PRIVATE / PUBLIC RESOURCES. 

USING $ $ $ PLACED IN ESCROW : CONSUMER PAID & PROCEEDED TO DEMAND MORTGAGE CORRECTION OF ORIGINAL {$48000.00} PLUS {$190000.00} IN COSTS - PLUS {$1000.00} IN DAMAGES. 
ON XXXX XXXX, XXXX : PROMISED BY EXECUTIVE OFFICE " A FINAL RESOLUTION CALL " ; THAT CALL - AND OTHERS INITIATED BY CONSUMER- HAVE NOT BEEN RETURNED. 

ADDITIONALLY : CONSUMER HAS REQUESTED INSTITUTION PRODUCE O R I G I N A L OF XX/XX/XXXX MORTGAGE - WHICH HAS YET TO BE PRODUCED. 

U.S. CONSUMERS MUST BE PROTECTED FROM THIS KIND OF DEVASTATING ABUSE BY THE XXXX DOLLAR FINANCIAL INSTITUTIONS...

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Bankruptcy filed in XXXX. However Bankruptcy filing was not confirmed in XXXX and Bankruptcy filing was finally denied by order of the court ( attached hereto ) in XXXX and dismissed. Transunion incorrectly and inaccurately reports this information as a Bankruptcy Discharge despite the specific Order of the Bankruptcy Court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2017 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: Public record information inaccurate

Complaint: Effective XXXX XXXX, XXXX, a consumers credit report may look a little different than in the past. It is to my inderatanding that my credit report will require any public record, such as a lawsuit, judgment or real property lien submitted for reporting on a consumers credit report, to include the consumers name, address and either their Social Security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumers credit report. Please investigate this matter. I have XXXX bankruptcies on my report and XXXX lien.

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 02-05-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Late fee

Complaint: re CFPB CASE NUMBER XXXX I RECENTLY CLOSED A BP VISA CREDIT CARD ACCOUNT AND FILED THE ABOVE REFERENCE CLAIM WITH THE CFPB. I RECENTLY RECEIVED A FORM LETTER FROM SYNCHRONY BANK WHICH I ASSUME THEY SEND TO PLACATE THE CFPB. IN THAT LETTER THEY STATED THAT THEY DID NOT RECEIVE A FINAL SETTLEMENT PAYMENT OF {$1900.00} AS OF XXXX XXXX, 2016. I MADE THAT PAYMENT BY CHECK ON XXXX XXXX, 2016 -- THE DAY I CLOSED THE ACCOUNT. MY CHECKING ACCOUNT WAS DEBITED FOR THE AMOUNT ON XXXX XXXX, 2016. YET SYNCHRONY BANK SAYS THEY STILL HAD NOT RECEIVED THE PAYMENT AS OF XXXX XXXX, 2016. THYE ARE OBVIOUSLY RUNNING A SCAM TO RUN UP LATE FEE CHARGES. I WILL BE SENDING ALL SUPPORTING DOCUMENTATION TO SENATOR XXXX XXXX SO SHE UNDERSTANDS WHAT THIS BANK IS STILL DOING TO CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: 1 } EQUIFAX kept information on my personal credit report over 7 to 10 years ; also kept on placing accounts unrecognized by me as owned by myself, even a judjment not mine. XXXX cleared me on one account they kept putting back on me and they still would n't take it off. 

**See reports attached **FOR all this please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving numerous robocalls from various numbers. When I answer, the call ends. I have called back several numbers, and they appear to be XXXX. I have asked them to cease, but they continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Transcontinental Credit & Collection Corp (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Sharing of information is the best description but third party about my debt is what I checked cause none of the descriptions was mine. I 'm calling about : I spoke to XXXX on XX/XX/2017 about a hospital bill for my son at XXXX Hospital. I made payment, which I had no problem with. My complaint about XXXX is he asked me about other family member bills under my address. One was for my daughter " an XXXX '' bill and another was for a XXXX " some collection bill he has with that agency ''. I told him I 'm not calling to discuss anyone else 's bills just the account that I 'm calling for. He had no business asking me about someone else 's bill/account at the address that I 'm at. When I asked him why are you asking me about their bills he said because they are listed at the same address. I do believe he just broke some type of privacy law. What if my daughter never wanted me to know she went to the XXXX or that she has bills in collections??!! That was totally unprofessional of him to ask me about someone else 's bills!!!! I called back today to talk to his manager to give a complaint but the receptionist said she could only put me through to him and then he would transfer me to his manager. How am I to know that the person he would be transferring me to is really his manager???!!! And then I thought she was transferring me to a manager after I complained to her and SHE transferred me to him anyway!!! I hung up on him and now I am writing you this complaint. Do n't know what could be done about this but certainly there was a law broken asking me about someone else 's accounts!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DC).
Issue: Deposits and withdrawals

Complaint: Access to money from check deposited at Wells Fargo AMT in XXXX was denied for 2 weeks. Normal hold is 3 days. Reason given by bank rep : check should have been deposited at bank branch, not ATM. Check from sale of stock for more than {$7400.00} was needed to pay rent and holiday expenses. When called, bank rep simply said something was wrong with check from XXXX. In fact, responded rep at XXXX, check had already been cashed and funds credited to ny wells Fargo account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My interest has sky rocketed, starting around 8 % now is at 10.65 %. When I would pay my payment online the automated system would say it did not go through. It would then go through partially. I would choose a specific loan of the XXXX to pay and it would disperse the payment however the program saw fit. Not allowing me to pay the largest amount to the loan with the highest interest. When I called to say I was struggling greatly with my loan payments. I am working and can not afford to pay them and eat, the customer service representative advised me to take out a loan to pay my interest payment. I have been paying my loan consistently and I owe more than I did when I graduated from college. I do not see how I will ever be able to get out of this. I am in a financial prison. I make around XXXX dollars a year and I live in poverty because of my student loans. I have no other type of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar mortgage refused to give me a loan modification because they want to take my house. I have been told to contact XXXX XXXX at XXXX and no ever answers or returns my call. A while back XXXX put some envelope with paper work underneath a mat on a door of my house that is never used so I did not get the papers. Now NationStar is ready top foreclose and has removed the ability to send email messages on their site and they do not provide any email for the loan rep I am suppose to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I sent a cert. Letter to Experian but they never responded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Financial somehow got XXXX Loan AFTER bankruptcy ( 2009 ) and has REFUSED TO REMOVE IT FROM MY CREDIT REPORT. The Credit Bureaus REFUSE to remove this information as well. I 've sent Certified Mail several times. The " non-payment '' history is impacting my credit negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my rental property in XXXX 2015. In conjunction with the closing, I paid off my old loan, with Nationstar Mortgage, in full and on time. The payoff check was received at the Nationstar mail room on XXXX XXXX, 2015 ( per XXXX tracking ), well before the deadline to make a timely XXXX payment, XXXX XXXX, 2015. For some reason, Nationstar erroneously reported my payment as " late '', and I recently discovered my credit score was negatively impacted. 
I am now trying to secure a financing on a new home, but my credit score is preventing me from doing so. My attorney and I have contacted Nationstar 's customer service department nearly every business day for the last two weeks, asking them to write a simple letter stating I made all mortgage payments on time, I was never delinquent, and it was Nationstar 's error that led to my decreased credit score. 
I am currently in escrow on my new home, and every day that I can not secure financing puts me closer to losing my contract. I have begged Nationstar daily to write me the simple letter acknowledging their error, so that I can use it as evidence of my improperly dinged credit score, and try to rectify the situation. Despite the fact that it was THEIR error, and the fact that it is rapidly becoming more problematic for me, Nationstar claims it has no ability to expedite the processing of my complaint and " credit dispute '', and the customer service department will not connect me to anyone who has more authority or power to write the requested letter. More than a week ago, I was able to open a " credit dispute '', which the customer service representative told me would be the only way to get the letter I am requesting. Every time I have called since the dispute was opened, the representatives tell me I have to wait up to seven business days for a result. This is simply unacceptable! I may lose my contract on my new home because of Nationstar 's delay in correcting their error - an error I only found out about when I was refused financing on my new home! 
I am frustrated, disappointed, and increasingly disgusted by the lack of accountability Nationstar has exhibited, as well as its lack of sympathy for ( or even mere acknowledgement of ) the distress their error has caused me. I am poised to lose my contract on a new home because Nationstar has dragged its feet in the face of its SIGNIFICANT error.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with LEADER ONE FINANCIAL CORPORATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I had Hail damage Summer 2016 in Colorado XXXX. I have turned every XXXX of the insurance checks over to my Mortgage Company. I have submitted all the required notarized Lien Waiver 's from the contractors. The Mortgage company has subcontracted the Loss Draft portion to another company, which have been very rude and difficult to work with. The mortgage company acknowledged that their subcontractor was not cooperating and appointed a person at their Corporate office to help, to date this person has tried to help, although the subcontractor is not working with her either. I had an inspection from their inspector and he said 95 percent of my work was complete. I have outstanding bills to be paid and they are not releasing the funds because they are saying 5 percent of the work has to be completed. The 5 percent outstanding are the XXXX, which may not happen until the weather in Colorado warms up. Several of the bills are over 30 days late to be paid. I hope you can help.

Company response to consumer: Closed with monetary relief