milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On my Experian credit report XXXX in the inquiries section XXXX Bank has been requesting my credit report monthly. I called XXXX and they have no record or knowledge of this and suggested I dispute it with Experian so they could locate the source. Experian would n't allow me to dispute this and said they could do nothing about it. I was told to dispute any wrong information found. Are they not suppose to follow up on any questionable information on a report? This is the same company that merged me with someone else last year and it took months to resolve. Frankly, I no longer trust the any of the credit reporting companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2016 about Debt collection (Credit card) with U.S. BANCORP (WI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: US Bank calling from XXXX XXXX/XXXX/2016 @ XXXX XXXX called & refused to remove our business number from their system, as well as stop calling here for XXXX XXXX XXXX I said, our staff ca n't recieve calls. The lady refused to remove our number & told me tell XXXX to call them & hung up on me.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked on Thursday. 

On Friday, I checked to see whether or not I have been affected by the hack. Equifax has demanded that I wait until XXXX to get protection from a threat of identity theft caused by their mistakes. 

Not only this, but if I were to sign up for their protection, they demand that I waive the right to litigate against them ( again for their mistakes XXXX. 

It seems to me that while Equifax has been hit hard by this crisis, the fact that they are not willing to own up to consumers even remotely and are ill equipped to protect them makes Equifax primarily responsible in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX now Navient has re-aged my Student Loan history again and again with multiple listings of the SAME accounts the various bureaus. I attended XXXX and then XXXX for my XXXX. The date of original delinquency for ALL loans is XX/XX/2009. They are ALL rehabilitated and with XXXX now which is correctly reporting. Navient did not mark the closed accounts disputed with any of the various XXXX. I have disputed the accounts with each XXXX stating that the original date of delinquency is XX/XX/2009 and duplicate accounts showing a later date of delinquency represent a reaging which is illegal under the FCRA. I just want the negative information to be deleted based on the original date of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Closing/Cancelling account

Complaint: I was told that if i get caught up by my next due date they would n't close my credit card. I did that and they still closed 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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AP).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient has lost my payments on several occasions, then taken away the benefits that I should get for paying on time. I 've had to fight them multiple times because this keeps increasing my loan balance. I 'm also on an income based repayment plan. Every year, they miscalculate my income, and they try to force me to pay more than I should. I spent three months this year getting that straightened out and called several times a week. I was literally in tears thinking I had to pay over {$700.00} in loan payments instead of {$78.00} a month all because multiple people did n't know how to calculate a loan payment, kept doubling or tripling my income, and refused to listen when I explained to them what they were doing wrong. On top of this, I live overseas, so they 've made it incredibly difficult for me to resolve issues. I 've had to get up in the middle of the night more times than I can count to call about one issue or another. It placed undue stress on me. This last fiasco happened the month I delivered my baby and went on for two more months. Instead of sleeping a XXXX, I was staying up late and dealing with their mistakes. Right after they fixed this one, they went on to lose two of my payments that were made on time. Furthermore, they have called and harassed my grandparents about my loans even though I 've repeatedly asked them not to. I 've put in several complaints and asked them to remove their telephone numbers and contact info, but they refuse to. My grandparents are in their XXXX 's! The worst part of this was that they were calling to say my payments were late even though I 'd called several times, letting them know the payments had been made earlier than required but they 'd lost it, or, in one case, misallocated it. So, they had their money and still continued to call for months ...

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (FHA mortgage) with PNC Bank N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company did not know what my payment was supposed to be every month because they did not perform an annual audit on my escrow account. XXXX month my payment was {$730.00} and some change and the next thing I knew it was {$980.00} and some change. I sent my payment on time and they refused to post the payment because of the escrow shortage and it took them over 4 months to start an audit and then another 4 months to get to the correct payment amount. Then they destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: My approved loan modification agreement did not reflect the adjusted payments outlined in a letter I received from Ocwen stating that my payments would decrease after my trial modification payments were received. I began making the agreed trial modification payments on XXXX XXXX, XXXX. After successfully making all three trial payments, my payments were to decrease approx. {$250.00} effective XXXX/XXXX/XXXX. I contacted Ocwen to inform them that the loan modification documents that I received, and I have yet to sign, instead reflected an increased payment amount of approx. {$250.00}. I was instructed from Ocwen 's servicing department to contact Ocwen 's research team via written correspondence explaining my concern. I faxed my written concern to their research team on XXXX XXXX, XXXX, along with the supporting statements from Ocwen that clearly outlines the lower payment amount. To date, Ocwen has not responded to my concerns. Instead, after successfully making all XXXX trial payments, Ocwen has denied my loan modification as of XXXX XXXX, XXXX. 
I have contacted Ocwen on a number of occasions just to be tossed to and fro from various persons posing as servicing managers. I will contact legal representation to assist me in my pursuit of retaining my approved loan modification and at the lower payment outlined in Ocwen 's attached letter dated XXXX XXXX, XXXX. Ocwen 's continues to present itself as a fraudulent practice!

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX Mn XXXX XXXX / Dob XX/XX/XXXX EQUIFAX CC Consumer Financial Protection Bureau I 'm exercising my rights to request verifiable proof of negitive events you have listed in my credit file The 15 U.S CODE & 1681g - Disclosure to consumer requires CRA to disclose the sources of information reguarding the negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the 15 U.S CODE & 1681g disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and Transworld Systems. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX, XXXX, or Transworld System. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Delinquent account

Complaint: I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from Bank of America. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen XXXX. Soon after trying to fight the discrepancy, I received a letter from bank of america that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with Bank of America trying to get the issue resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is refusing to block information on my credit report that has been asserted to have resulted from potential identity theft. I have filed a police report and thus complied with the provisions of section 605B and have asked for a block of the information. These accounts contain information regarding transactions I never made and thus state an inaccurate balance. I am submitting a copy of my police report, my FTC affadavit, and my identity for proof.

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 02/16/2017 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I keep getting calls from there collection agency threatening to sue me and take me to jail and harassing my family with threats I 'm afraid to go to work and school because they said they will find me there and they have threaten to get me fired the agency Director is rude and threaten to come after my wages and family 's

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (TX).
Issue: Confusing or misleading advertising or marketing

Complaint: I am the victim of two credit repair companies. I paid fees for repair and credit scores improvements. My credit was ruined. The company sent forged documents to creditors disputing numerous accounts without my knowledge. Positive accounts were removed causing my credit score to plummet. Disputes fraudulently mailed caused companies to freeze my accounts disabling me to correspond with the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I am submitting a new complaint regarding my old complain # XXXX. It seem that we are still having issues. BofA has reported mt to the credit bureau again.. I finally have a XXXX balance but some how owe XXXX which is what they reported again. Please review my last complaint and help me get this resolved.

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 monetary relief
Consumer complaint received 11-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Settlement process and costs

Complaint: It has been a four year up hill battle with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The fraudulent mortgage loan originated with Country Wide in XXXX Credit was obtained for over XXXX XXXX XXXX dollars in my name by a dishonest loan officer. The loan was put in my name and the loan officer without my knowledge then put through paper work giving the house to the occupants and leaving me personally stuck with the loan. I filed an identity theft detailed report from law enforcement. Law enforcement noted the numerous forgeries from the original loan. I can forward all documents to you at your request. XXXX and XXXX loan services have refused to block the inaccurate information. The occupants of the house became nine months behind when I learned of the fraud. My credit was ruined. There are multiple investigations currently being conducted and led by XXXX XXXX XXXX XXXX XXXX. I need the banks to immediately block this fraudulent inaccurate information according to the XXXX. The banks have all copies of the documents from the authorities and refuse to acknowledge law enforcements findings. The loan officer is currently under investigation for multiple fraudulent loans. I am requesting your help in resolving this matter with XXXX and XXXX In addition after providing ID theft documents to XXXX and XXXX they immediately blocked the fraudulent loans. 

Thank YouXXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We had a unit that sat vacant for 6 years without any action by the bank ( s ) except to pay all fees after foreclosure filed by HOA. It is all ok now but we were very frustrated for 6 years with no action!! It finally went to auction and was purchased for {$18000.00} with the bank still having interest. The new owner will work with the bank to take full ownership. It is currently rented. We have been complaining about the lack of attention by the bank ... went to OCWEN who will not respond ... tell you to write ... still do n't respond. Grrrr.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: It was on XXXX, I was making payment through XXXX XXXX XXXX program to capital one credit card and they report to credit bureau that I was late payment for 120 days even if I was paying to them through XXXX XXXX XXXX  program. I was very disappointed with XXXX XXXX XXXX and capital one credit card company. I was injured with XXXX XXXX XXXX that makes me unable to work for 3 months as well. I have only been in US for 3 year through refugee status and I dont understand much about credit game. 
Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (IA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX and I have owned my home for 27 years. I am now facing a foreclosure sale date on XX/XX/XXXX because the company that is holding my mortgage loan Seterus is refusing to reopen a review of my current financial information in order to qualify for a modification of restructuring of this loan. My mortgage loan is backed by XXXX and I have found out that XXXX has several new programs they introduced that are designed to help struggling homeowners. I have been struggling after being laid off in XX/XX/XXXX from my primary job. I was able to hold things together with money from my XXXX and seasonal income XXXX but was not able to afford my mortgage. I applied for help and ended up getting approved for a new modification, but instead of lowering the interest rate or the payment it actually made it INCREASE. Based on the money I was earning at that time this was not affordable. 

I have now been back working XXXX jobs for several months and my financial situation has improved. The problem is that Seterus has already closed my case, and refuses to give me another chance to be reviewed for modification programs and instead is trying to foreclose. There is no open case, no single point of contact etc. I thought that if your financial situation changes or improves that the lender is required to conduct a new review of the current information to determine what I could qualify for. I do n't think it is right or fair that Seterus is failing to offer me access to these government programs that I feel I qualify for. I am a XXXX veteran and working XXXX jobs to make ends meet. I have lived in this house since XX/XX/XXXX and have never had a problem paying my mortgage until the last two years. I feel that I deserve a fair shot and should be treated properly and given access to all available programs to try and save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A year ago, I was the victim of identity theft. It took many forms, but one of them entailed fraudsters repeatedly trying to open credit cards in my name. I called every bank to alert them, I reported it to law enforcement and I worked through XXXX to freeze my credit and get free monitoring. I was under the impression I would not need to call ALL THREE bureaus since the banks were aware. Moreover, I signed up for a $ XXXX/mo credit monitoring service that showed the erroneous credit inquiries were gone. Then, after the recent news about the Equifax hack, I logged onto their site to see if I was impacted and freeze my credit report with them. I discovered that despite everything I did, they still have XXXX erroneous hard credit inquiries on file associated with me that were meant to be removed a year ago. 
see : BUREAU DATE CREDIT INQUIRY Equifax XX/XX/16 XXXX XXXX Equifax XX/XX/16 XXXX XXXX Both of the XX/XX/16 inquiries are due to fraud. I have emailed them demanding it be removed but I fear they wo n't be prompt in responding. Further, this should have been done a year ago. I have decided this must be reported to you and I urge you to investigate this, and any other cases where Equifax has failed to remove fraudulent inquiries - especially as there will be many more of these in the near future due to Equifax 's own failings to safeguard our information.

Company response to consumer: Closed with explanation