milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2016 about Mortgage (Other mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, my home and farm was appraised for XXXX XXXX. I borrowed {$140000.00}. This was done through XXXX XXXX. It was serviced by XXXX. Was then transferred to XXXX XXXX XXXX. I never missed a payment and was never late on a payment. In XXXX, XXXX, I received a letter stating that my taxes and insurance were in default and I had 30 days to produce proof of payment. The next day I received a lettered stating that XXXX XXXX XXXX had paid the taxes and insurance and that my payment had increased from $ XXXX to $ XXXX/month. My insurance had already been paid and the taxes were not due. I called and was told that I could get a modification and that I was to stop Making payment for 60 days and this would qualify me to get a lower interest rate from XXXX, smaller payments and longer term. That the entire process would be done in house and not affect credit. I agreed to do so. In 30 days I received a late notice. When I called I was told not to worry it was taking longer to complete mods because of the huge number of requests. The following month same. In XXXX, XXXX all of my credit cards went from 2.9 % to 32.9 % interest and I found that XXXX XXXX XXXX was filing this with credit reporting agencies. In XXXX, XXXX XXXX XXXX tried to foreclose on my home. I was able to get it stopped. They denied me on XXXX modification attempts, kept my trial payments and tried to foreclose 9 times by XXXX. During this time, I had XXXX XXXX, my daughter had XXXX XXXX, my son-in-law had a XXXX, and my son had to quit school to handle XXXX XXXX XXXX since they were threatening that if we missed a call, they would make decisions without us to take my home. Finally, i filed bankruptcy so that i could try to keep my home. Since i had always paid my taxes and insurance, I went to the tax accesor and my insurance company and paid them privately. At this point, XXXX XXXX XXXX transferred the account to a company named XXXX. They would not answer any phone calls or respond to me in any way. After a few months, XXXX sold the loan to a company with Rushmore as the servicer. Now they are trying to get a release on the property for the purpose of foreclosure with a court date set for XXXX XXXX. I need a resolution to this issue. I have. Complete paper trail from XXXX and a letter from XXXX XXXX XXXX that states that this loan only defaulted for the purpose of modification. That they are sorry for any inconvenience. I 'm XXXX. I need to retire. I have fought with all I have. Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Student loan (Non-federal student loan) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was told that after XXXX on time consecutive payments, my co-signer would be released from my loan. I made the XXXX on time consecutive payments but my aunt was not removed as my co-signer. They told me that she could not be removed because it was based on my credit at the time. I asked them to provide me with a copy of the promissory note showing this information. They have not yet provided me with a copy of the promissory note and that was approximately XXXX years ago that it was requested. I need someone to help me because I am unable to get anything done with this loan servicer. This is just XXXX of the many problems I have ran into with them. I need help with many other things but thought I would start with the most important. I need my aunt removed as my co-signer like they stipulated in my promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (MN).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: today, XXXX XXXX 2017, i received in the mail a gratuitous solicitation from netSpend. the company sent me an unrequested pay-as-you-go credit card and directions for activating it.
i responded to the telephone number, provided in the direct mailing, for opting out of the unsolicited offer expecting to be able to speak live with a customer service representative. i wanted to register a complaint and request that netSpend cease and desist from soliciting me without warrant. however, i was unable to talk with another human being. the telephone access is a closed loop of prerecorded, automated menus and responses to general questions. though i did select to opt out of the unrequested offer, i have no record of confirmation that i have done so. and remain uncertain, as to whether the call i made might be used by the company to activate the credit card.
it matters little to me if the law protects conduct of this kind by netSpend, or any company, with respect to issuing unwarranted solicitations. the conduct is at least invasive and borderline hostile. if netSpend continues to send me unrequested solicitations and activates the credit card it issued under my name, i will consider the company hostile and seek to file lawsuit against it for violating my 14th amendment rights to privacy.

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 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I asked, DEBT VALIDATION to XXXX XXXX thiscollection account.They do n't have a any evidence belong 's to me. 
XXXX reported on XXXX Credit Bureaus on XXXX/XXXX/2014.I requested remove wrong item more thanXXXXtimes, XXXX times called.My Credit score or credit statement is damaged now

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I FULLY INTEND TO SEE THE HOUSE MY SS # & MY NAME WAS USED TO BUY IT! 
FTC TOLD ME THAT PERSON HAS BEEN USING MY SS # & NAME SINCE XXXX! 
WHY COULD N'T THEY STOP IT 25 YEARS AGO????????????????? THINK THEY WOULD MIND IF I MOVED IN WITH THEM????????????? 
I PROBABLY WILL NEVER FILE ANY KIND OF TAXES AGAIN! SINCE THEN,XXXX, COMPUTER HACKED ALONG WITH HOMEPHONE & CELL. DO N'T THINK ITS LUCK!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THE GOVERNMENT JUST DO N'T CARE ABOUT US REGULAR PEOPLE THAT WORKS FOR A LIVING, BET THEY WOULD FIX IT SOMEHOW IF IT HAPPENED TO THEM, LIKE XXXX XXXX, OBAMA OR EVEN OUR BELOVED HOUSE SPEAKER? HOW WOULD IT FEEL TO BE STILL WORKING ON GETTING YOUR XXXX TAX RETURN BACK IN XXXX? JUST ASKING XXXX, YOU THINK???????????????? 
MY CREDIT SCORE WILL NEVER EVER RECOVER NOW THAT I 'M XXXX YEARS OLD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax has no credit history on file for me, yet I have over four ( 4 ) years of established credit activity with multiple credit cards, student loans, and soon-to-be utilities and a lease in my own name. The other credit bureaus -- XXXX and XXXX -- have verifiable credit history with me. I called my credit card companies and student loan servicer asking the same question : " Do you report to all three credit bureaus in the United States? Including Equifax? '' All of them gave an affirmative response to those questions. All of them ensured me they even sent the reports just last month. <P/>I have been calling Equifax for the past four months on fixing my credit report, as it is now impairing my ability to open utility accounts and the like. I have now faxed and snail-mailed a copy of my social security card and license seven times and waited the appropriate amount of time. Each time I call, well over twenty times on separate dates at the current date ( XX/XX/17 ), the files are never found nor are they processed in the time frame I am told. A fax takes 48 hours to process and a snail-mail correspondence takes 5 business days. <P/>I need this problem fixed and my credit history to be rightfully straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Deposits and withdrawals

Complaint: Late afternoon on XXXX XXXX, 2015 I took a check written from my business account into Bank of America to cash. There was only XXXX teller working. The check was written for {$5500.00}. The teller ran the cash through the money counting machine and then took from the stack and said she almost gave me an extra {$100.00}. She put the money in an envelope, without counting it back to me, and I left without thinking there 'd be an issue. Well there is an issue! When I counted the money, and the bank was already closed, I found out the teller had given me only {$4400.00} ... {$1100.00} short. Immediately the next morning I went to the bank and explained what happened. The first representative immediately said the count was not off {$1000.00}. My wife interjected and said it is {$1100.00} off not a {$1000.00}. The representative then went to get the supervisor and after about 30 minutes she explained they would request the video, but there was only XXXX person that managed the entire Western region so she was not sure how long it would take. She called back and said they found no error. I asked to review the video and she refused saying that it would invade customer privacy. There were no other customers at the teller. And if the cameras are focused in on the counting machine to verify it counted out correctly then that too should not be an issue of letting me review the video. Bank of America has stolen {$1100.00}. of my money. The supervisor said their investigation is closed and I really do n't know how else to pursue justice in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (KS).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On X/XX/18 there was a Walmart credit card opened with my stolen identity and I found out by XXXX XXXX saying I had a hard inquiry on my credit report. I called and spoke to a representative about closing this fraudulent account and they said I should get a letter in the mail within 30 days, and it could take 30-60 days for the card to be shut down and removed. I feel there should be more protective measures to make it harder for someone to open a credit card especially when I have shopped online they should have matched up my info and sent me an email or alert through the Walmart app.

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 01/26/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient call me at least four times a day on my home phone and cell within minutes after talking to them over the phone. They have caked my home at XXXX on the morning and then again on the hour sometimes after talking with a person there will be calls on the hour from a recording. They have called my home as late as XXXX then an automatic call will chine in within minutes of one another. I pay on my loan every month i was told today that Navient was going to take legal action against me. I am pretty sure that I 'm being harassed and to day i was threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I applied for a XXXX XXXX credit card through Synchrony Bank for {$35000.00} and was charged {$33000.00} for " project management and labor '' that a XXXX 's employee signed on my behalf without my authorization. I have a copy of the receipt. XXXX 's executive team has been contacted numerous times over the past four months requesting an accounting for the charge despite the fact that their employee 's may have violated the Fair Credit Reporting Act, The Equal Credit Opportunity Act, the Fair Debt Collection Practices Act and Electronic Fund Transfer Act. I am prepared to provide evidence of the this claim to CFPB, the FDIC and the Federal Reserve Bank. I have reported this claim to Synchrony Bank and XXXX 's as well as the three major credit bureaus. I am requesting all interest charges for the referenced account be reversed and credit to my account as well as all principal paid until the dispute is resolved. Going forward I will play all monthly payment in an escrow account until the dispute is 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 explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Updated tradeline XXXX XXXX XXXX  XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.

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 05/24/2016 about Debt collection (Medical) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Hunter Warfield , Inc . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX : ( XXXX ) XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you Hunter Warfield XXXX Inc. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Hunter Warfield XXXX Inc. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Student loan (Federal student loan servicing) with ACS Education Services (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out XXXX loans for my children 's educations. In XXXX I consolidated those loans with XXXX using the Federal Family Education Loan Program. The XXXX loans totaled {$43000.00} at that point. The loans were then taken over by XXXX and serviced by ACS, apparently XXXX separate institutions. In XX/XX/XXXX I kept calling XXXX to ask why the principal was still so high. They refused to provide any information despite my repeated requests. In protest I refused to make payments until they provided that information. This caused the loan to go into default, and XXXX XXXX then began servicing the loan. 
XXXX attempted collections with the principal set at {$42000.00}. I have paid {$22000.00} on these loans from XX/XX/XXXX-XX/XX/XXXX. The principal went down by less than {$1000.00} despite the payments. I understand the interest is paid first before the principal, and my repayment plan was for 15 years but this was wrong. 
My son is an attorney and he helped me negotiate with XXXX, but they were unwilling to modify the principal and added over {$8000.00} in collection costs that we were told were also non-negotiable. 
XXXX held a garnishment hearing where I sent in all the loan information ACS finally provided a week before the hearing. After almost two years of requesting the loan payment information they provided it in XX/XX/XXXX ( despite postmarking it in XX/XX/XXXX they never sent it until we made repeated phone calls all summer ). 
Even after providing this information at the hearing and providing a thorough explanation of the situation, the hearing evaluator XXXX XXXX from XXXX still ruled against us. I 'm XXXX, now owe far more than I ever took out, made over {$20000.00} in payments, and I will have no spare income because I tried to do what was right.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (RI).
Issue: Managing the loan or lease

Complaint: This duplicate case is in reference to complaint no. XXXX. The attached documents are XXXX credit reports pulled on XXXX XXXX, 2015 and XXXX XXXX, 2015. 
The XXXX XXXX report shows a total balance of {$280.00} with an on time account, last paid in XX/XX/2015.In XXXX 2015, the new report shows the following inaccuracies that show the Company BACKTRACKING information.The last payment shown is in XXXX 2015 and the charge off is shown as disputed. I never disputed the charge with Toyota or any credit companies. I was working with the CFPB and can be quoted on an XX/XX/XXXX call with TFS as having said so. Also, how can an account in 15 days, go from on time status to charge off with no notice or communication to me? The XX/XX/XXXX bill was sent 15 days later and nearly five months after I returned the car to the dealership and reached out to them immediately, asking them for the balance due ( even though my XXXX 2015 credit report showed {$280.00} ). After months of TFS and the dealership telling me they are " trying to figure it out '' they finally sent me the bill on XXXX XXXX, while at the same time without notice put me into collections. I should have had enough time to cut them a check. 

According to the Fair Credit Reporting Act, " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. '' I want this removed from my credit. After that is completed, I will pay off the total balance owed on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a charge off in my credit report. I have paid the balance with XXXX. They told me they would report to the credit Bureas to change the remarks from Charge off as bad debt to pd in full as agreed. Since the payment company has said the sent the info to Experian, But i have called Experian a few times with the response they can not change my report. I have been working hard to pay past debts. Going forward maintaining a good credit history.

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 01-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a copy of my credit report sometime in XXXX. It shows I had a 30 day late payment to XXXX Account XXXX which was not true because I have had a XXXX balance for quite some time. I called XXXX and they admitted their mistake, then sent me a letter dated XXXX XXXX stated they would delete the delinquency from the credit report. I waited 30 days and it had appeared to be removed from XXXX and XXXX, but not Transunion. First I filed an online dispute with Transunion ( case XXXX ). It came back with the delinquency still showing up. I called Transunion and they said it was XXXX fault. I called XXXX and they said they had sent everything in they needed to. Then I called Transunion back and conferenced in XXXX at XXXX. His number is XXXX. XXXX told Transunion they had sent everything in to remove the 30 days late mistake. They even sent me another letter dated XXXX XXXX, that the delinquency should be removed. Transunion told me to file another dispute. That came back denied as well even after I uploaded the letter from XXXX that the delinquency should be removed. 
On XXXX XXXX at XXXX PST I spoke with XXXX person at Transunion that could n't resolve my issue, then I got her supervisor, he could n't resolve it so I was transferred to HIS supervisor XXXX who told me that the last supervisor tried to do a phone verification with XXXX to verify the delinquency was n't valid however XXXX would n't give out any information. I told XXXX I could conference XXXX in right now to verify. He said he did n't have that capability and I should call back tomorrow and ask for " Special Handling in the XXXX '' who can do phone verifications. 

This is absolutely ridiculous and I have never gone through a phone experience this bad, all while my credit score is inaccurate because of an incorrect delinquency that the creditor is admitting is not accurate. 

Please help me. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation