milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account information is incorrect. This amount owed was paid. Negative marks on my credit report that are false

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 12/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XXXX of XXXX I lost my job and was not able to make student loan payments. My parents cosigned for the loan but their finances were nowhere near good enough to support the ludicrous {$1300.00} a month payment ( which at the time was double my rent ). After paying Navient for a deferment and regaining employment in XXXX of XXXX I discovered that the deferment did not prevent me from going into default and that Navient still expected me to pay the unsustainable loan amount. In XXXX of XXXX Navient reached out to me after I had been deliberately not paying the loan since XXXX because they refused to negotiate and finally offered to go onto a Reduced Rate plan. This was based on my parents ( as cosigner ) and my own debt-to-income ratios. The agreed upon payment was {$530.00}. This was a payment I could afford and the plan was good from XXXX of XXXX through XXXX of XXXX. They informed me that I would have to reapply for the Reduced Rate plan on a yearly basis. We just provided them with our financial information, which has not changed at all from the prior year, and it was suddenly determined that I no longer qualify and am now responsible for a {$900.00} a month payment - a $ XXXX/month increase! This is just yet another example of Navient 's terrible customer service and bait & switch tactics. No one in the company knows policy, they just make up the rules as they go along and faceless departments decide who is capable of paying what.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage that was taken over by Green Tree Servicing LLC and they have a Corporate Advances fee in my balance of XXXX. I feel like this is a fraudulent charge and would like it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Mortgage debt) with Brock & Scott, PLLC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX CLAIMED I OWE THEM MORTGAGE MONEY, I ASK THEM TO PROVIDE THE ORGINAL NOTE OR THE NOTE THAT CLAIM I OWE SUCH NOTE TO THEM, THEY COULD NOT. THEY TRY TO SELL MY PROPERTY IN FORCLOSE SALES ; I FOUND OUT THROUGH A SOLICITING ATTORNEY 'S LETTER. I FILE FOR BANKGRUPCY TO PROTECT MYSELF, I TOOK THEM TO COURT ; BUT THE JUDGE IS DENYING MY PETITION BECAUSE I AM PRO SE. I NEED YOUR HELP THIS PEOPLE ARE NOT LICENSE TO PRATICE IN MARYLAND. BUT THE COURT IS NOT PROTECTING US AGAINST THEM PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company verbally, and in writing, threatened foreclosure. It made me accelerate payments that I could not make and which have destroyed my finances in the short term. I am filing this complaint because my lender never offered me a loan modification. I am currently applying for a streamlined loan with XXXX. If my lender had advised me of this option, I would have applied for it instead of making the payments which have made me insolvent over the summer months. I am angry, upset and frustrated that I was verbally threatened with foreclosure instead of being offered this option.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company called Commonwealth XXXX called me and told me they were going to serve me court papers and place a lean on my vehicle. I explained I do n't have any debt and do n't owe anything. They hung up on me. I called back and asked them not to threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with loanDepot.com, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Completed refinance with I Mortgage Company from previous lender XXXX XXXX. Loan closed early XXXX. My first payment due date was XXXX/XXXX/2016. I 've made both XXXX and XXXX payments and have statements from IMortgage as both cleared with my bank ( XXXX/XXXX/16 ) and XXXX/XXXX/2016. Receiving notices and threatening phone calls from IMortgage that they have n't received payments. I have spoken with them twice and they state it takes up to 60 days for " their system to update ''?? Just received another statement from them asking me to pay for XXXX and XXXX as well as upcoming XXXX payment. Again both payments have been made and I have Loan Statements from IMortgage. They requested and I sent to their Research department information with supporting documents.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX reversed a ligitimate payment on my Barclays credit card on XXXX/XXXX/XXXX totaling {$2100.00}. This payment was authorized by my husband XXXX XXXX on XXXX/XXXX/XXXX after receiving an insurance settlement. We were married and living in the same household on XXXX. XXXX committed adultry and abandoned me financially and i filed for legal separation on XXXX/XXXX/XXXX. My atty. advised me to change my locks, garage doors and security system codes due to I owned the home. I have contacted Barclays on three occassions- customer service, fraud department and customer relations and nothing has been done to help me in this situation. 

I am wanting Barclays to take this reversal off my account and absorbed by their bad debt reserve or take action against XXXX and bring my balance back under my credit limit. I can not afford to pay this or affect my credit score negatively. I have a text message from XXXX XXXX stating that he was well aware of the payment made to this card.

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 01/14/2016 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: PayPal continues to call me and I do not owe them any thing!

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Sent to Chase thru secure message center onlineXXXX XXXX, XXXXI had an account with Washington Mutual since the early XXXX while living in Oregon. With Chase taking over WaMu, it brought many hardships. I dealt with this as best I could but the local Chase people in California, were usually not helpful. I once again faced a large problem when I was told that the routing number on my checking acct was being changed and received a letter stating such. I went in to a branch to get assistance. They looked over my account, the letter, etc and then said I had to contact all my direct deposit entities notifying them. This required considerable time and effort, plus XXXX more visits to a Chase branch to make sure that the changeover would not disrupt my automatic deposits, etc. Finally all was done and the deposits went as they had in the past. Then I found out through my own efforts and with no help from Chase, that Chase had made yet another problem for me, for no reason other than their internal poor management and error. There was no change necessary as my routing number never changed, it was the same all along. So all the worry, time, phone calls, visits to branches, etc was for NOTHING! For this reason, I ask Chase to provide me some remuneration for all this time and effort and ask a {$100.00} gift card/deposit made to my checking account to make things right. Please let me know as soon as possible. Also, of great importance, please let me know what internal controls have been put in place so that Chase does not put me through further hassles. Please let me know as soon as possible. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TN).
Issue: Managing the loan or lease

Complaint: I have a vehice loan with Ally financial I 've been harassed every since they financed my vehicle. I recently received a call from Ally stating they had a repossession order out for my vehicle XXXX Chrysler 300. My payments are current but the repossession is for late charges. I have n't been receiving monthly statements for my account nor have I received any type of correspondence stating that there is a repo order out for my vehicle. I would appreciate your help with this urgent matter. I want to pay my financial obligations. I feel I 'm being discriminated against and being harassed

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 05/20/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On  X/XX/2017     Wells   Fargo took  all money from one account to cover the negative balance in another account. I called to dispute the claim. The customer service transferred me 4 times. I did not receive the funds back. I have not signed any documentation stating they can take money from  one  account to cover the next. They took almost {$700.00} from my account.

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 08/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I fell behind in payments due to my mother passing away, not only I lost her income since she was living with me. I Had to pay for the final services. This caused me a huge financial and emotional struggle. Now my business is doing much better and I am able to start making payments and I have applied for a loan modification but they refuse to open my file and review my loan due to sale being too close. sale date is XXXX/XXXX/16.

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 04-10-2017 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was purchased by Dovenmuehle Mortgage on XX/XX/2017 from XXXX. XXXX bank sent a notice they would no longer accept payments effective XXXX XXXX, so I mailed my XXXX payment to the address provided for Dovenmuehle Mortgage. They cashed my payment on XXXX XXXX, but never applied my payment to my loan. Today is XXXX XXXX, and they still have not applied the payment. Dovenmuehle earning interest off borrowers money and causing borrowers principal balance to increase because the payment is never applied. I am confident this violates banking and consumer laws, and this must be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit line increase/decrease

Complaint: I have had a Gap store credit card that is not associated with XXXX for several years. Today I received a notification that Gap was sending me an " upgraded '' new Gap Visa Card. This appears to be an unrestricted Visa card. This was completely unsolicited. In the letter there is information that I must call on opt out of the program if I do n't want to receive the new Visa card. I feel this is predatory behavior on the part of Gap or the bank that represents them, Synchrony Bank. Not to mention it has an APR of 25.24 %! If I did not pay close attention to this letter I would not have known I was required to call and opt out. It should be the other way around. The consumer should be required to opt in if they want to issued a Visa card.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: File # XXXX I filed a dispute because the new law shows it should be removed. However I called and the XXXX stated they have n't received the law that would remove this item. They informed me it would stay on my report for 10 years but the New Law is 7 years I. Which it has been 8 years in my report. Please help. I applied for a car loan and it was not approved then I was offered a high interest rate. They also stated in an email that the Court reported to them I called the Court and they stated they had not received and do n't call.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company refuses to report any of my on time payments to any/all credit bureaus. My credit record does not reflect the last four plus years of monthly payments. As a result, my credit score has suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please help me, I have disputed previously a couple things with Equifax , provided them my ID 's so they can process, they decided to change my name to XXXX XXXX from XXXX XXXX XXXX which is my legal name, XXXX XXXX is NOT my name. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also an account with XXXX XXXX which is unknown to me. There are several mistakes listed. Can someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Medical debt) with Firstsource Advantage, LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX 2017, a rep from XXXX XXXX Hospital called me about a medical bills in the amount of {$1300.00}. She stated if I do n't pay it she was going to put it on my credit. I informed here that I have insurance and the bill should have been bated Thursday them. She said they do n't have insurance information on file. I gave here my name D.O.B and social security number. And she pulled up my old insurance information. I told here that insurance information is not right and gave here the correct information. She was very rude and aggressive about it. So I 'm thinking she did put the correct insurance information on file. And I did not receive a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CARDINAL FINANCIAL COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: After over 35 days, the underwritters at a Cardnial Financial subsidiary company Sebonic, starting asking me for documenets that they KNOW I do n't have since this would have been revealed in my original paperwork, such as XXXX and over XXXX in liquid funds. This was a waste of my valuable time and cost me additional interest charges on my current loan that I would not have had to pay if I had known upfront not to go with this loan. I am out the {$450.00} ( appraisal ) + {$2400.00} I would have saved going with another loan ( 2 months interest ). Additionally they not make themselves available to me in a timely manner to discuss these issues, taking 5-7 days to get back to me and only when I would tell them that I was going to complain to the CFPB would they call me back. I am extremely upset.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with XXXX, Equifax and XXXX and also sent XXXX XXXX XXXX debt validation in which XXXX XXXX XXXX has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Back in XXXX I went into the student financial aid office at XXXX XXXX in XXXX Missouri. I was in the XXXX. College and handed over approximately {$3600.00} in cash to the receptionist and was issued a receipt. After several moves over a XXXX period I lost the receipt. 
As of XX/XX/XXXX I received a collection notice from be able to ask the U.S. Department of Education for student loan forgiveness. My doctor completed paperwork and I mailed it all in. See the attached forgiveness letter. 
My account number with Nelnet is XXXX and my SSN # is XXXX. 
I am XXXX years old now and just survived XXXX. I am living in XXXX housing and am on XXXX income. 
I fear that these folks from Nelnet will not stop in their efforts to collect on this spurious balance and if they succeed, will take away needed monies for me in paying for rent and food. It will place me into homelessness and sure death. 
I ask that your agency investigate and stop this action against me and issue me a written letter of the resolution for me of this personal crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA Se ction 623 ( a ) ( 2 ) i n  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a 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 explanation
Consumer complaint received 06-05-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America is at it again, claiming that I have a past due amount, which is completely false. They received payment on XXXX XXXX, as acknowledged below, which was the last available on-time payment date ( i.e., last date to pay without have to pay a nominal late fee ). I remain convinced that B of A is systematically retaliating against me for keeping you apprised of their unethical business practices. 
Message from Bank of America : '' There has been recent activity to your account. 
A Home Equity Line of Credit payment was received on XXXX/XXXX/2015, in the amount of XXXX. 
Your next payment will be due on XXXX/XXXX/2015. " Despite having received the payment on time, they are showing me as past due, and are no doubt preparing to once again report false information to the credit-reporting agencies. 
Please help stop these shameless and despicable liars. Thank you, XXXX. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 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: Public record information inaccurate

Complaint: I have called and mailed all three agencies to remove tax liens from my credit report and a judgement that was paid and ex husbands liability and was resolved over 2 years ago. 
Please have Experian, XXXX and XXXX remove this from my credit report and rescore my credit. 
Thank you! 
The Consumer Financial Protection Bureau said the federal regulator had received roughly XXXX credit-reporting between XXXX XXXX and the end of XXXX. A CFPB report issued early this month said many consumers complain that nothing changes when they dispute items in their credit reports, even though federal law requires the credit-reporting companies to conduct a reasonable reinvestigation and update the data to show necessary changes or delete the item.

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 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: There was a debt ( XXXX XXXX ) removed from my credit report but was added back the same day without notifying me.

Company response to consumer: Closed with explanation