milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a series of unknown inquiries on my credit report inwhich I have disputed before. With no tangible documentation for my sanity and/or records I'm constantly told to seek validation from elsewhere. However, according to the FCRA, if the accuser can not show substantial proof then the account and/ or inquiry shall be removed.

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 12-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I sent a copy of a letter submit XXXX to transunion that state that transunion must delete the account submitted to them back on 2011 for the amount of XXXX .and transunion refused to deleted that account from my credit report while XXXX did. Transunion have the copy of the letter .i call them to know why they said that have to investigate it. Reason why I am filling to complaint again transunion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacting this company in efforts to solve a issue regarding a balance they say I allegedly owe. This company has not done proper investigation with the creditor that they are reporting for. I do n't owe anything to this company. The information they have is incorrect. I have disputed with the credit agency as well as contact the original creditor and they could n't even find the file. I have contacted the company by phone and the representatives there are really nasty. I have rights under Federal Credit Reporting Agency and upon this investigation I will take it further if my issue is not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: Received notice from Equifax account had been compromised. went to site 2x, filled out form. received tag saying link would show up w/in two days. Nothing. phone number on site was dead. dug around, on XX/XX/XXXX called XXXX '' XXXX '' answered. got same line of " please be patient. '' when pressed he ADMITTED Equifax did n't know IF it would-or when-be ABLE to provide the services promised.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (WI).
Issue: Trouble during payment process

Complaint: In  XXXX   XXXX , I refinanced this mortgage to a local credit union. Previously with Shellpoint Mortgage Servicing. There servicing had been very poor after taking over for  XXXX   XXXX   XXXX  Mortgage. They were suppose to pay the property taxes in  XXXX   XXXX , they did not, so the new lender paid them at the closing of the new mortgage. I have verified with the city and who actually paid them. I also have a copy of the check that paid them from the credit union. The amount I 'm owed is {$5000.00}, this is the amount that should have paid the property taxes. Every time I called I received a different story from Shellpoint, first they paid electronically, then sent check, and recently that they had a third party vendor pay. I have called every week or  XXXX  since  XXXX  with no success. It does not seem like a simple mistake, it seems that they know they owe the money, but have a plan to defraud! The phone number I have been calling is  XXXX  and they are in  XXXX , TX. I also asked for proof of payment which they refused because there is n't any. Any help to recover my escrow balance would be greatly appreciated. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Credit card) with Eaton Group Attorneys LLC (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Eaton Group Attorneys are collecting an alleged debt for XXXX XXXX XXXX and continue to contact me at my place of employment ( also a law office ), leaving recorded messages, voice mails on my employer 's phone and it is an automated call. I have written, faxed and e-mailed Eaton Group, provided them videos of the recorded calls and voice mails, and photographs of the caller I.D . at the law office where I work together with an Exhibit listing the dates and times of the ongoing calls and they still will not discontinue the calls. I have been verbally warned by my employer not to continue receiving " personal '' calls at the office and am in fear of losing my job!! 

Because I can not seem to get anywhere with Eaton Group directly, this is my next line of action. 

I have also provided Eaton Group with an Affidavit showing that the XXXX XXXX card for which they are trying to collect was never in my possession and was likely stolen along with my vehicle a couple of years ago as that was around the same time that whoever stole the car also started using the credit card. I have disputed owing the debt but doing so is like talking to a brick wall. They do not seem to " follow the rules '' when it comes to debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO).
Issue: Trouble during payment process

Complaint: Rushmore Loan Management Services recently purchased my servicing from XXXX XXXX. My first payment to Rushmore was due XXXX XXXX, 2017. My complaint is in regards to its requirements to establish an online account to manage my account as it requires a FULL social security number with no alternative to establish an online account. My concern is in regards to Rushmore 's apparent lackadaisical handling of my private information, specifically my SSN. It seems ridiculous to require a FULL SSN in this day in age, especially via online. Rushmore 's approach gives me pause as to what other lackadaisical policies it has that jeopardize my private info and whether or not they are meeting the requirements of privacy protection. Furthermore, I never received a Welcome Letter from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call at XXXX CST XXXX/XXXX/2016 from XXXX, when answered, there was no one on the other end of the line, then the call disconnected from the caller 's end, forcing me to call back. When I finally got in touch with someone, I do n't feel they properly verified my information prior to disclosing what the call was regarding, then proceeded to attempt to collect a debt that is no longer in collections on my credit report. I view my credit report monthly, and can assure that this particular item fell off months ago. I advised the representative that this was no longer listed on my credit report and did n't want to be contacted again. I also filed 2 different change of addresses forwarding all mail from my previous address to the XXXX XXXX that I had, then to my current residence. I did n't receive any mail regarding this account after I moved, even though they should have received notice of the change. I then received a call from XXXX at XXXX CST XXXX/XXXX/2016, when answered, there was no one on the other end and the call disconnected from the caller 's end, again forcing me to call back. Called in, and rather than repeating myself with all of the same information listed above, I told the person that they have the wrong number. I should n't have to lie about who I am to get unwanted calls to stop. I work in a business that has to be up to date on collection laws at all times, and if the customer states that they do n't want to be called, the company is responsible for maintaining that request, not calling from another call center across the continent.

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 02-07-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I believe this is a problem for all consumers who request their " free '' credit report. Upon being directed to www.annualcreditreport.com to get my free report I was successful with XXXX and XXXX. However Equifax required that I print and complete a request form. ( # 1 What if I do n't have a printer or luxury of such? ) I did print the form and upon reading the instructions I was astonished to see that a company such as Equifax who promotes Identity Theft services, was requiring that I send a copy of my license, pay stub, XXXX etc to prove my identity in the mail to a PO Box ! I then reached out to them and was told " no you can go online. '' Once again I tried by going to Equifax web site where I was again directed to annualcreditreport.com and again was required to print the form and send my private docs. There must be a better and safer way! 

# 2. In addition I am seeing that any borrower who went thru hard times in the meltdown and who tried to save their homes or did the best they could but ended up settling a CC or other debt are being enslaved by FICO scoring models and rules for how long a debt stays on the report as " LATE ''! As an example someone who paid their debts off in say XX/XX/XXXX-XX/XX/XXXX are still showing up as late on the reports thereby suppressing their scores and having to pay hefty fees for a rate. This is wrong and should be examined since the CFPB is in biz of protecting consumers from mortgage crooks. Why not look at the credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Other fee

Complaint: Recently, I applied and received the Capital One Platinum credit card with no annual fee. However, on my 1st statement, Capital One charged me a {$19.00} membership fee. The Platinum card agreement details and even Capital One 's own web site clearly state this card has " No Annual Fee. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (MN).
Issue: Shopping for a loan or lease

Complaint: This is regarding a Line of Credit with Wells Fargo Bank. My name was added to a XXXX line without my permission. I have contacted Wells Fargo regarding this and they are not able to provide any type of verification that I ever signed documents or applied for this line of credit. My husband had applied for a LOC, however I did not want additional debt to me added to my ability to pay. This is causing my credit score to be impacted.

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 06-11-2017 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (NJ).
Issue: Problem when making payments

Complaint: I had a personal loan fro m Mariner Finance th at I stopped paying when I became unemployed in  XXXX  of  2016 . I had credit insurance that paid the loan f or 4-5 months during my unemployment. Mariner Finance filed a judgement against me while they were receiving payments from the insurance company. The company has unfair business practices, as they have  filed  XXXX  judgements against me, so it actually looks like I owe them double the amount of money. The reason for this particular complaint is because they have been doing hard pulls of my credit report, that were unauthorized since the account has been closed. I can furnish copies of my credit reports to prove this. They must be stopped. My credit is bad enough as it is, and they are making it worse.

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 03/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ID).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was divorced in XX/XX/2013 and went to living on a single income where I could not afford my student loan payments. I went through deferments because I was not allowed the income based repayment plan. I contacted Navient more times than I can count to try and figure some sort of repayment plan out.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CT).
Issue: Struggling to pay mortgage

Complaint: ARE YOU KIDDING ME???? 

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Mortgage Issue : Struggling to pay mortgage Did I not explain clearly enough???? RUSHMORE IS CLAIMING THEY WANT $ XXXX OR SOME SUCH AMOUNT FOR THEIR INVESTOR BUT THE AMOUNT IS WAY MORE THAN THE APPRAISED VALUE OF THE HOUSE. THEY WILL NEVER EVER EVER EVER EVER EVER EVER GET THAT VALUE AS THE HOME IS DAMAGED. IS THIS CLEAR NOW? 

I do not care that Rushmore answered they only strengthened my complaint and you CLOSED the complaint????????????????? Excuse me???? They basically confirmed what I said, that THEY ARE NOT ACTING IN GOOD FAITH TO EXECUTE A VALID SHORT SALE FOR THE APPRAISED VALUE, BUT INSTEAD ARE DEMANDING A VALUE THAT IS NOT SUPPORTED BY FACT, OFFICIAL APPRAISALS AND CONTRACTORS ESTIMATES. 

They are going to foreclose on my house because they are behaving irrationally and rejecting solid, verified purchase offers for the official appraised price, basically covering their ears and saying " no no no no no I can't hear you '' when we say the offer is for the appraised value. There is damage to the house that XXXX was scummy enough to wriggle out of paying even though they admitted to the court that it was not our the owners fault. They are just garbage like Rushmore, acting against the consumer -- AND YOU SUPPORT THIS??? YOUR SOLE GOAL IS TO GET THEM TO JUST ANSWER????????????? WHAT THE XXXX VALUE IS THAT??????????? THEY COULD JUST SAY THEY WANT A XXXX FOR THE HOUSE. WHY NOT? WHAT EXACTLY THE XXXX DO YOU DO TO DEAL WITH A LENDER THAT IS NOT WORKING IN GOOD FAITH WITH A CUSTOMER AND IS PRETENDING A HOUSE WILL BRING IN A VALUE THAT IS PROVED IT WONT ( SEE PREVIOUS SHERIFF SALE THAT WAS OVERTURNED )??????? YOUR NAME SAYS CONSUMER PROTECTION. WHAT THE XXXX ARE YOU DOING?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (I do not know) with The CBE Group, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Someone from  CBE Group  keeps calling from  XXXX  STATING THAT THEY ARE TRYING TO COLLECT A DEBT. The robo call does not state who they are calling meaning a name.

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 04/30/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I received a check for a larger than normal amount and went to the local Chase bank branch to speak with a banker on the best way to deposit it. Since CD interest rates are so low, it was agreed that I would open a new savings account. I also upgraded my checking accounts based on his recommendation. 

A few days later, the check cleared and I created XXXX bill pay items to send out. A few days after that, my primary checking account went negative and the savings account was also negative. XXXX XXXX had marked the check as fraudulent. I got a new check from the company that was pre-cleared by XXXX XXXX and returned again to Chase. 

After a few phone calls, I was told only the savings account would be closed and that I could open a new one to deposit this new check. I also brought along work checks to deposit into my existing checking account. 

Chase then froze and closed all my accounts. I 've been banking with them for XXXX years, since 2010 and have never had a problem with deposits. They said they would issue a check after the accounts were closed. This leaves me with no checking account and almost 15 days of waiting time to get access to my existing funds that were in my checking accounts, not counting the deposit. 

Why did the banker not warn me that this could happen? Why was my account flagged?

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2016 my wallet was stolen and I tried to contact Capital One about my credit cards and they said they would put a hold on my account and send me new cards. Charges had been made to the account without my consent and they asked me to send a police report in and then they would start a claim. I did not have a police report because there was too much time in between the incident of my wallet being taken and me getting the police involved. Capital One refused to dispute the items on my card and I refused to pay for purchases I never made. I am asking that these late payments be taken off of my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (I do not know) with JLU Asset Management Group LTD (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have received a number of unwanted threatens calls after I sent letter requesting for who I suppose to owe and why, who 's the original creditor and I also requested documentation and cease and desist calling my number and I keep getting messages. I have them on my cell phone. 

The Collection agency : JLU ASSET MGT GROUP LTD Attention : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I contacted Trans-union on XX/XX/2016 and advised that I was a victim of their inquiry issue and that I had never received notice from them, the customer service rep stated that I was not a victim of this and refused to remove the inquiries. I asked what method she was using to determine that I was not a victim and she refused to give me this information. Trans union is notorious for reporting incorrect information to consumers credit reports and will not remove the incorrect information even when it is brought to their attention that an error on their part was made.

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 07-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My complaint is with Navient and how they abruptly ended my in-school deferment with no warning. When I asked why, XXXX answer was because I was only allowed XXXX months of in-school deferment and after they could not tell me where this was on the MPN, they told me that they could change my terms and conditions whenever they got ready. They continue to provide incorrect information and ca n't ever seem to provide me with accurate loan dates, deferment dates, payment history etc. I asked XXXX people for my MPN and I only received XXXX copy. I took out my first loan with XXXX XXXX in XXXX, I had a tuition answer loan and the terms did not state anything about a XXXX-month in-school deferment. After I graduated from undergrad in XXXX ( XXXX University, XXXX, XXXX ) I attended XXXX XXXX off and on until XXXX. If I had XXXX months of in-school deferment, I would have heard about it way before now. I called today and asked them if they could do something to lower my payments, they told me that in order to do that, they would need to run my credit and the co-signers credit, and review our financial statements. I asked how I could remove the cosigner from the loan and I was told that I would need to make a XXXX of on-time payments. I asked if I had done that already, and I was told since I just did a forbearance ( I was forced to do, since I was n't prepared for them to change my loan terms ) I would need to start over from that point for the next year proving that I could make payments. I asked about my previous loan payment history and I was told that did n't matter since I may not be able to make the payments now. She did n't even bother to look. Please do something about Navient 's shady tactics. I do n't want to be punished for trying to make affordable payments. 

I even contacted my current school 's ( XXXX University, XXXX, XXXX ) financial aid office to inquire about XXXX months of in-school deferment for private loans and even the director of Financial Aid had never even heard of such.

Company response to consumer: Closed with monetary relief