milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Equifax had a breach of my sensitive, confidential, identifying personal information contained within involuntarily required credit reports in XX/XX/XXXX, and did not inform me of this breach until XX/XX/XXXX. This compromised my identity & financial security for over 6 weeks while they had knowledge of it which negated my ability to take actions to protect my identity and finances during that time. They have indicated they will offer free credit protection services to all Americans, however they require the aggrieved customers ( albeit customers who had NO CHOICE in being such ) initiate protective action rather than initiate the protection for the customers and let those who wish to refuse the protection take the initiative to contact Equifax and have it removed.
Furthermore, after numerous attempts to speak with a customer representative by phone on XX/XX/XXXX ( to no avail ), was unable to get beyond an automated phone system that disconnected and/or was never answered after numerous attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Identity theft / Fraud / Embezzlement

Complaint: About a couple of weeks ago I received a phone call from a collection company from XXXX. The lady was very nasty requiring a payment to settle a collection account. I ended the call, but I was curious about why someone called me to settle an account. I went to XXXX to investigate where the call came from and it is from XXXX XXXX XXXX from XXXX, NM. My concern is that she is part of stealing my identity. Then immediately I went to XXXX to verify my credit information. Sure enough, I found to credit cards that someone else opened using my information. I have no knowledge on either XXXX of these accounts. I called Capital One Bank and XXXX XXXX and one ca n't find an account under my name and the other one did not help me at all. The purpose of this complain is to clear my credit from both of these accounts. I am submitting an individual complaint to solve each of the fraudulent accounts from Capital One Bank and XXXX XXXX XXXX. I am a XXXX veteran and this is aggravating my mental and emotional well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Vehicle loan or lease (Lease) with FORD MOTOR CREDIT CO. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My XXXX account closed on XX/XX/XXXX is being reported as late despite a clear mistake on XXXX part, I have never submitted a late payment to them. I paid the last invoice as soon as I became aware that there is a balance due. After successfully disputing it with XXXX they retaliated by reporting it late to XXXX  and XXXX. 
I reached out to them on XX/XX/XXXX and they assured me that they'll update the account as paid on time. I then reached out again on XX/XX/XXXX and was assured that it was submitted. When the report wasn't updated I called back on XX/XX/XXXX and was told that it can not be done. After being told that a supervisor is not available I requested a call and received a call from XXXX on XX/XX/XXXX. He left his phone number where to call back. I tried calling that phone number several times but was unable to get through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: The past 4 years I have appealed and waited for XXXX and have been able to save my home. Following a Fully Favorable decision being deemed XXXX XXXX XXXX my check arrived late XX/XX/XXXX. I was attempting to reinstate my loan in full starting XX/XX/XXXXand was told they had to request a reinstatement total. I had not received the total and called repeatedly. I was told my request would be " escalated '' which would produce the total in 24 hours which I was promised for close to 1 month. I spoke with numerous representatives and supervisors minimally 3 times per week only to be told they were stumped as to why the RQ was not available. On XX/XX/XXXX. I received notice a NOTICE OF DEFAULT that had been filed with the County Clerk and XX/XX/XXXX received my reinstatement quote dated XX/XX/XXXX with an additional fee for the filing of the Notice Of Default. There was no question I would be paying all past due money and feel delaying me 30 days with lies was unnecessary.

It is common knowledge what having a Notice of Default filed generates. People knocking on your door, mail with postcards claiming how to save your home, phone calls daily. It lasts for months and is humiliating. I do not feel it is fair if I was attempting to pay being held in limbo for a month to allow for these extra charges and the humiliation involved. I expressed my feelings to many representatives was told it would be best to pay the fees becoming current then contest the charges. I did just that and did not receive any response other than the acknowledgment of them receiving my grievance.

My Reinstatement Quote was good through XX/XX/XXXX yet I learned after paying the XX/XX/XXXXpayment had not been included and needed to be paid immediately.

In addition the following month within my payment was additional late fees and an escrow shortage ( a cushion ) which had raised my payment to {$1400.00}, an additional {$200.00} per month. I have attempted to resolve these issues yet have been told there is nothing that can be done. This resulted in an extra {$3500.00} total extra that I had n't planned for.

A reinstatement quote should be just that, all missed payments, late fees, ect. My escrow is not going to fluctuate as I have new homeowners insurance and my taxes are not expected to change. A cushion of {$700.00} is excessive and not warranted.

Please review my account and hopefully I can receive credit for fees paid and have my payment revert to the amount prior to the escrow cushion.

I actively have an application for Tax Postponement being reviewed for XX/XX/XXXXand XX/XX/XXXX which I meet guidelines and am expected to have granted.

I am currently being evaluated for a modification and hope my request for review will not affect the outcome as I should be able to have my account reviewed without fearing retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/XXXX, I got an alert from the following company ; XXXX, regarding an amount of {$1200.00}. This showed up again on XX/XX/XXXX after it was previously removed. Because of this, my credit is impacted by almost XXXX points ( again ). 

I explained that there was a name mix up. An individual has the same first and last name and lives in a different state ( I believe it is in Texas and they had a medical bill to pay that they did not pay ). Not clear how the mix up happened. Both Experian and the XXXX are being difficult to work with. Please help! 

Thanks, 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 non-monetary relief
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have tried numerous times to get this non-compliant reporting situation fixed. Experian credit reporting agency is now in violation several times for not following the Metro 2 Five points of compliance e-oscar  reporting under the Fair Credit Reporting Act.

The Metro 2 Five points of compliance clearly states the following ... 

**1 e-OSCAR is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX , Experian , XXXX and XXXX , their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 

3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. 

I have now had the same file deleted off two other data furnishers, but Experian continues to claim that they are verifying this account. 
This is a clear violation of # 5 of the metro 2 5 point compliance rule. They are to modify or delete when another data furnisher does. 

This account is not non-compliant, Experian refuses to remove this account and claims to continue to verify this account. 

I have even asked them to provide a certificate of compliance that went ignored as well. 

My next step is to take this case to court and sue for a large sum as this is affecting my day to day life. 

I have all the evidence I need to support my case. I will attach some of it with this complaint.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am writing to dispute  XXXX   XXXX   XXXX  on credit report number  XXXX . The status listed on the account is current, yet you show this account as being Adverse. Please delete the 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 04-07-2016 about Credit card () with DISCOVER BANK (PA).
Issue: Rewards

Complaint: Purchased items using both a Discover It and Discover Miles credit card using Apple Pay for the 10 % promotion XX/XX/XXXX-XX/XX/2014. The purchases were flagged as ineligible for the 10 % promotion since they were gift card purchases. Was asked to submit receipts for purchases to prove that they were not gift cards. The receipts were long gone by the time they had sent the e-mails. No other recourse other than to dispute or file complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Dispute Concerning XXXX XXXX XXXX XXXX XXXX XXXX Reporting On My Credit Report There was a hostile management take-over at XXXX XXXX XXXX XXXX location in XXXX, TN. a couple of years ago. The new management company advised me and my family that the prior management company was not licensed to manage timeshare projects in the state of Tennessee. The new management company gave us the option to withdraw or opt out of our timeshare interval. We exercised our option and opted out. 
The prior management company later regained control of XXXX XXXX XXXX management and a class action suit was filed. We joined the class action lawsuit. A negative report was placed on my husbands credit report, which was later removed when we advised the reporting agency about the circumstances and the class action lawsuit. 
Now, several years later, a negative report has been placed on my credit report. We have paid in full for each timeshare interval we used at XXXX XXXX XXXX. We do not owe any additional money. XXXX XXXX XXXX has continued to charge our closed account for each interval since we opted out of the timeshare. 
This negative report needs to be removed from my credit report. I have filed a complaint through Transunion and XXXX XXXX falsely indicates the report is accurate and refuses to remove the incorrect information from my credit report.

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 01-11-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Transaction issue

Complaint: I paid a company named XXXX XXXX XXXX a total of {$14000.00} over several cards and transactions for a custom e-commerce website and coaching services. They made all kind of promises of income between $ XXXX- $ XXXX a year. It has been over a year and I find that I have not made a penny. Besides that the coaching did n't exist and the " custom '' site was nothing more than a substandard, rudimentary, cookie cutter that was never completed. They never finished the logo, never provided any marketing or the coding thumb drive as promised. They ripped me off and I am hoping that someone at my bank can help me get my money back. This company is still operating and I would like to dispute these charges. Services were not rendered and what I received was not what was described. I will be reporting them to the FTC as they are clearly violating the laws and need to be shut down. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I tried to work a modification to the loan and I am being sued for foreclosure by an entity that is not or has ever been a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquired are being submitted by auto dealers that were not authorized. They were told not to shotgun my info out and they did and a lot of inquiries I never signed a authorization paper or gave them permission.called transition nothing was done. Trans union readded deleted inquiries without sending me a reinserting letter.

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 04-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had ordered satellite service from XXXX. I took off work to be home when they made the connection. They did not show up. I notified them that I no longer wanted their service, Four days later while I was at work, they showed up to make the installation. I had a house guest present who knew nothing about the situation. She was tricked into signing for what she thought was certification that the installation was made. I never did sign anything, and my houseguest certainly can not sigh for me. I went through the whole difficult process of returning the equipment, which they denied receiving, until I produced the XXXX delivery receipt. They turned this in to XXXX who removed it from my credit, after I informed them of the situation. They now have used another collection agency, who turned it into XXXX, where it is on my credit again. This after I notified them with all this info. I believe that they have violated the law in this instance. This company is corrupt, and they attempt to keep customers trapped in a contract for inferior service with these despicable tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Based on the Foresnic Analysis, I discovered truth in lending and preditory violations in my loan. Therefore the third party debt collector ( PennyMac ) needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: NAVIENT has contacted me via mail, telephone and email ( somehow they have reached out to me and my co-borrower via e-mail, though I have never provided them with this information ) about XXXX private student loan disbursements that I have no record or knowledge of ever obtaining. I have since fallen past due on amounts for both of these loans and when I called NAVIENT to seek an economic hardship forbearance and/or deferment of any sort, they told me that they required a significant payment in order to process any kind of deferment or forbearance. I am attempting to research these XXXX loan disbursements, but I wanted to have a forbearance granted in the meantime while I figured out what exactly these accounts pertained to. NAVIENT refuses to work with me in any way, shape or form, and they seem determined to ruin my credit over unverified debts in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Credit card) with Meyer & Njus, P.A. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a summon and complaint from the courts, however someone credit information was attached. I have answered the courts and have sent a letter to the creditor to correct this information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other

Complaint: Bank of America has re aged a charged off account. This illegal tactic was found on both my XXXX Credit Report pulled on XX/XX/XXXX and my Transunion Credit Report on XX/XX/XXXX. Bank of America charged off the account in XX/XX/XXXX The status report on XXXX credit report has account charged off, but with a balance past due as of XX/XX/XXXX. This is re aging, a direct violation of the Fair Debt and Credit Reporting Act. Also, I have proof in the certified letters sent to them XXXX that they could not verify the debt. They must change the status immediately and stop re aging the debt. Proof is attached.

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 02/13/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (IA).
Issue: Credit card protection / Debt protection

Complaint: Submitted multiple complaints that all were decided in the consumers favor as Navy Federal continues to disregard original guidance and decisions from CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Deposits and withdrawals

Complaint: Chase Bank rejected XXXX checks that I had to use with XXXX, likely as retaliation for complaining to the XXXX about the issues I had getting a debit card for 6 weeks ( only finally received Monday ). 

I just called and confirmed they had no legal reason to refuse the checks, considering I had more than enough money in the checking account to cover them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (NY).
Issue: Trouble during payment process

Complaint: I invest in rental properties in addition to working a full-time job. I own several of the properties, but have mortgages on some. My mortgage and/or mortgage loan servicing rights were acquired by Loancare on  XXXX/XXXX/17. I was unaware that Loancare was servicing my mortgage until I noticed that my mortgage payment was not being deducted from my bank account. Loancare sent the paperwork to an old address or the rental property itself and made no further attempts it seems to contact me. My phone number has not changed since I acquired my first cell phone over ten years ago and before I ever had any mortgage. Rather than contacting me Loancare directed their efforts to sending someone to the rental property and confirming that it was still there. Oh, and assessed me a fee for doing so. I immediately made my mortgage current after learning that there was a payment due and two payments past due. I incurred late fees and my credit was negatively affected before I uncovered Loancare 's negligence. I attempted to have the negative marks on my credit removed by Loancare to no avail. I was given the e-mail address to customer support who has yet to even respond other than the automated response I received confirming customer support 's receipt of my e-mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Payday loan debt) with BlueChip Financial (IN).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have a loan with XXXX. I hired XXXX XXXX XXXX XXXX to consolidate my payday loan debt and I pay them no weekly to do so. XXXX XXXX, XXXX XXXX has been calling my cell and work stating that he is representing XXXX to collect the debt. XXXX contacted XXXX and they still have the account and are settling for a lesser amount. The amount XXXX is asking for does n't match what XXXX   states the balance is either. The man has called my work 6 times in 2 days.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation