milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and this company " XXXX  XXXX " both are reporting a fraudulent account on my credit report that doesn't belong to me as a result of identity theft. I tried disputing it multiple times on XX/XX/XXXX and XX/XX/XXXX with XXXX, and it was verified. Also, I proceeded contacting the company directly on XX/XX/XXXX with the information XXXX and XXXX supplied, and the United States Postal Services returned the letter stating, RETURN TO SENDER/MOVED LEFT NO  ADDRESS/UNABLE TO FORWARD. Therefore, it's no way XXXX  had properly did their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NV).
Issue: Application, originator, mortgage broker

Complaint: My current mortgage co. Freedom Mortgage, called and offered a refinance, but after I TOLD them my wife had an open credit fraud case they stated they could n't run either of our credit reports. We agreed on a recorded phone call I would consider a refinance in a few months. 
The next day a title co. called me regarding a refinance with Freedom mortgage. Also, when I called the Freedom mortgage loan officer he told me he ran my credit after an agreement I would not consider opening a refinance with them.

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re : unauthorized inquiry To Whom It May  Concern : I would like to dispute an unauthorized inquiry from  XXXX  which was made on  XXXX / XXXX / 2016 . I checked my credit report, which I acquired from Experian.   I have contacted  XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

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 10/21/2015 about Debt collection (Auto) with CONSUMER PORTFOLIO SERVICES, INC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX Consumer Portfolio Services has called my place of work several times a day, several days in a row. He interrogates my support staff of my whereabouts when they tell him I am not available and even asked them for my cell phone number, which they already have. He even yelled at XXXX my receptionists, when she told him I was not in. This afternoon, after being told I was in a meeting with a XXXX, he strongly insisted to speak with me. I excused myself for a moment to let XXXX XXXX know I was in a meeting with a XXXX ; and he was rude and yelling at me. He tried to speak over me as I was telling him that I was not going to have a conversation with him at that time. He began talking over me again by stating that the call is being recorded. I said, ok, the call is being recorded, he stated yes can you verify your last XXXX digits of your social security, I said I do not wish to have you call my job, at which time I hung up. This representative has been leaving very cryptic messages with my staff, intimidating my staff to the point where they interrupted my during a meeting. As I see it, they are in violation of the Fair debt collection act because he calls my place of work at least XXXX times per day. There was a time he called and left no information, just said he would call back in the afternoon. He intimidated my office staff to get me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2016, SPS Select Portfolio Servicing sent out modification paperwork to be completed. My father filled out the forms the first time and when he called back to make sure it was received they told him it was wrong and had to resend. I stepped in to assist my father. I asked to speak to a supervisor so I can get the accurate information on how to fill out this modification form. Since then we have been advised to redo the paperwork or that there is missing documents ( they never told us that we need it ). After seven times of redo the paperwork, the bank sends a letter that we need to redo the modification. For the past 4 months we have done everything the bank needed from us and asked to speak to a supervisors multiple times but no one can give us a definite answer. No one knows anything and their is no one higher than the supervisors, which are useless. Our payments are high but we pay on time every month. we are asking for this modification to help us with the monthly payments that is all we are asking for. I feel like the bank is not trying to help us at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I thought I was speaking with a Navient Department of Ed agent over the phone, but I was n't. It was XXXX XXXX ( although very kind woman ) representing Navient XXXX XXXX XXXX, XXXX who told me to pay in advance the amount of XXXX dollars in order for me to qualify for a lower interest of my loan. She gave me the option to pay XXXX for three consecutive months, which I agreed. Supposedly after either paying the XXXX or the XXXX dollars my montlhy payments would be as low as XXXX dollars. This application was described as XXXX. I scheduled a payment of XXXX and provided her my debit card number. Few days later a received a call from the origianl Navient. The agent wanted to remind me to make a payment to avoid being called, etc. I told him I was confused and told him I previously scheduled a payment already. He said he could n't see that on my account. It was until that moment I knew something was wrong. According to the original Navient agent I can not be charged for something that Navient offers me for free. I was suggested to avoid any calls or emails from tbe other company and fortunately I had enough time to cancel my debit card and replace it at my bank. This Navient XXXX XXXX XXXX, XXXX are scam, they charge people to qualify for repayment programs/options.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Every single year Navient kicks me out of my income based loan repayment plan and sends me a bill for a normal plan after I have uploaded all of the forms, and CALLED TO CONFIRM they have received them and all is in order. The site is awful to deal with and you have to transfer to their older site and upload files in an obscure location. The due date for your federal tax information is IMPOSSIBLE to meet by XX/XX/XXXX since XXXX 's rarely come on time and taxes would have to be complete within two weeks of receiving them. Everything is complicated. They send bills on weekends so you ca n't call and fix things. It 's the same exact problem ... every year. Long hold times. Everyone tries to put you on forbearance while they fix their problem. It 's awful.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (MD).
Issue: Struggling to pay your loan

Complaint: Mariner finance in  XXXX ,  XXXX  sent me a check for {$1200.00} in  XXXX     2017 even I did not applied for any loan. Any how I used the money. I got sick and admitted to the hospital for two months, and lost my job. My friends told me to consolidate bills as I am not in a situation to pay off my bills.I informed all the institutions about my intention.Every body stopped calling me except Mariner finance, and now they are threatening me to file a law suit against me. I even sent the letter to the branch manager and to the regional manager that I am in contact of debt consolidation but they neglected my letters and shared  my personal information and details of my loan to all of my family members.It hurts me a lit and give me a mental tension.I request to the agency to shut down their office as they are violating the consumer protection act. I have all the witnesses and letters with me I sent them. I also request you to stop them by harassing me through phone calls.

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 07/24/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CT).
Issue: Settlement process and costs

Complaint: My attorney ( who was authorized by me ) submitted a request for a Mortgage payoff statement 2 weeks ago to Seterus Inc. She was told it could take 7-10 business days. She followed up several times during that period and was told that it was still within the acceptable window and that the statement was being processed. She was given information during that time frame that she should not have received if she was authorized by me to do so. I followed up today and was informed that she was never truly authorized and that it will take an additional 7-10 business days. Neither me nor my attorney was informed of this. Quite the opposite, we were told everything was within standard procedure. Now, instead of being able to close I may not be able to sell this house. A process that most companies can do in a couple of hours take Seterus a month. They are holding on to the money as long as possible to try and make as much as they can off of the interest, meanwhile I am in jeopardy of being financially ruined. They told me they have the ability to escalate this request, but refuse to do so. Their underhanded business practices and complete lack of compassion and even human decency is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit determination

Complaint: Below is a letter that I sent to B of A today that outlines my problem fairly clearly : XX/XX/2017 Re : Consumer Financial Protection Bureau / Case no. XXXX Account number : XXXX Dear XXXX XXXX, You sent me a letter XX/XX/XXXX ( copy enclosed ) in which you asked me for information that you stated the Federal Government needed to keep my credit card account open. I demurred in giving you some of this information ( for instance, where I worked and what I did ) saying it was none of Bank of America 's business since I had had an existing credit card in good standing. You responded by closing my account, I thought, temporarily until this matter was resolved. However, today when I called your telephone number and extension at B of A ( which number for you and your department had been changed ) and finally got through to someone after a total 90 minutes of waiting on four separate phone calls, I found out that my account was permanently closed and could not be reopened because of the way it had been closed. 

I am writing you to ask you to tell me if B of A reported this account closing to any credit bureaus or consumer reporting agencies, and if so, to provide me with a copy of my credit report from that or any agencies or bureaus. 

I have a number of credit cards and none of those companies required me to give them more information under the guise of the Federal Government requirement. I have had a credit card with B of A for a number of years. Why did only the B of A need me to fill in the XXXX form and the XXXX? B of A already had my Taxpayers Identification Number from when they issued me a credit card in the first place. The XXXX form is kept in house anyway so why the drastic action by B of A? Your marketing department needed the information perhaps? 

Please tell me in detail just exactly what the Federal Government needed to know. This request B of A made was not for a new loan, or new credit card application so was gratuitous in reference to an active ongoing credit card in good account. 

To sum up, please inform me if B of A communicated to any outside agencies concerning this matter. 

Sincerely, XXXX XXXX cc : Consumer Financial Protection Bureau, Senator XXXX, Representative XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Taking out the loan or lease

Complaint: Hello my name is XXXX, my husband and I have a XXXX that we financed through SANTANDER CONSUMER USA. We got this truck back in XXXX. In XXXX I became ill and had to stop working leaving all the bills on my husband. On XX/XX/XXXX the truck was repossessed. Santander gave us ten days to get it back and get it back in good standing. This past XXXX XXXX my husband and I where trying to get a house only to find out that they had charge this loan off as a bad depth after we paid to get the truck back. Since then we have nweot been able to make any major purchases because of this. The truck is still in our possession and we are still making payments. This account has been charged off for two years

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am receiving automated robot phone calls from this company designed to harass to a voice mail that is not secure " anyone can hear my personal business. I called the company and instructed them to CEASE AND DESIST all phone calls, yet the harassment continues. At the beginning of the call a notice is given from Synchrony Bank that all calls are recorded so this constitutes a record of this specific notification from me to them. I have maintained a call log of each call after this notice which constitutes violations of the demand to cease and desist. I would be glad to provide it.   Calls are several times a day and are ALWAYS robotic.     As per FCRA I demand Synchrony Bank CEASE AND DESIST all telephone harassment of ANY KIND. This complaint to  the CFBP will serve as off icial intent to sue for mental anguish for each call following this notice.  <P/> Once  XXXX  treatment is completed " AS I STATED '' the debt will be settled. Synchrony Bank is a  XXXX  dollar company who can afford to wait for my recovery. Attempts to harass will be met with legal response.

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 07/14/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Re : U.S. Bank Home Mortgage Account : XXXX ( XXXX XXXX ) On XXXX XXXX, 2015, we received a call from U.S. Bank stating that our XXXX mortgage payment had not been received. 
We checked our records and noted that we had paid the mortgage on XXXX XXXX, 2015, ahead of schedule, through a third party processor, XXXX, XXXX. 
Upon further inquiry, including talking to a supervisor, U.S. Bank continued to rudely and vehemently insist that payment on the mortgage account had not been received yet. Therefore, we went online and repaid our mortgage for XXXX, including payment of a {$5.00} fee for paying our mortgage " late. " Upon inquiring with our bank and third party payment processor this afternoon, we found evidence that U.S. Bank had not only received the entire payment, but also cashed the check made out by XXXX. We faxed this evidence to U.S. Bank XXXX and also followed up with a phone call where the agent was equally unhelpful and told us they could not find the payment, and could not reverse my {$5.00} fee. 
Either U.S. bank has yet to apply the payment or applied it incorrectly, but there is XXXX doubt the payment was received by them and now we have been defrauded by the bank for {$1600.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was charged twice, it is reflected on my bank statement, but the navient ledger only reflect one charge.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Other debt) with ERC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In reading my XX/XX/XXXX credit report, I saw that Enhanced Recovery Corp has filed a collection report with XXXX, claiming I owe {$47.00} for a Cable or Cellular creditor. Enhanced Recovery Corp has never contacted me, nor have they sent a written validation notice of this alleged debt. I have no knowledge of this collection. I disputed this collection with XXXX onXX/XX/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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I went to make disputes on my credit report and Experian is refusing me access asking me to download postal mail in a form to have a postally mailed credit report sent to me so I can mail it back to them and dispute. They are making it difficult to be able to make disputes on my electronically received credit report I just got XXXX XXXX efforts and not removing errors that have been removed from other credit reporting companies. Effectively keeping my A+ credit looking very damaged at this own XXXX reporting company and its costing me a lot of money and time in many ways

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 07/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have repeatedly requested for Ditech Financial to include my loan balance on my monthly statements. I receive the monthly statements reflecting the payment received but not the current loan balance. I have requested this history from XXXX 2014 to the present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On or about XXXX/XXXX/XXXX the XXXX store in XXXX NY sold me on the idea of changing my cell phone and associated service plan. The premise of the sales pitch was that a combination of promotion offers and discounts I could get a new and better phone fo the same monthly fee. I would have to give up my existing unlimited data plan in the process. I accepted this proposal. 

Fortuneately we wrote down line by line detail how the resulting bill would be structured. Over the first XXXX bills XXXX deconstructed the conditions of this deal. I have retained the originally structured promised billing and email with the XXXX store employees discussing the breach of the same promised billing. XXXX baited and then switched. 

By XXXX XXXX it was obvious XXXX would not honor our agreement. On or about XXXX/XXXX/XXXX I settled my service bill and paid the balance owed on my phone in cash at the same XXXX store. This phone was reactivated the same day across town with an honorable carrier. 

It was XXXX that breached the trust of our arrangement. I believe what they are seeking is a punitive charge for the argeement that they broke.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these, und er Section 611 ( 5 ) ( A ) of the FCRA- they  are required to '' ... ..promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had a phone bill on XX/XX/XXXX when the XXXX send us to XXXX, the account were Paid and closed. XXXX sold this account to multiples collections agencies. Damaged my credit report. I amdispute this account because the credit bureau supposed remove and delete on XX/XX/XXXX. Now I recieve multiples letters threatening me, from differents agencies push me to paid the same account, that the FCRA Law establishes they I get punished for 7 years allready completed by law. They have diferents account thats are not mine. And they said they gona damage my credit againg for the same issue. I am free of this account because they punished me during a lot years.

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