milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hello- I have a student loan with XXXX . The account is reporting on my credit report twice. One I  am paying and is current on and another that is closed. On XX/XX/XXXX, I went thru the loan rehabilitate program with XXXX XXXX XXXX XXXX. I successfully completed the program after making 9 on time payments. The loans were to be set to good standing and the late payments were to be deleted and I was to have a clean slate with the loan servicer. XXXX closed the old loan and left the late payments on my credit report and added a new loan with perfect payment history. They should have deleted the old loan and they never did. So I have the same loan being reported on my credit report twice. They both have the same date as XX/XX/XXXX. I am requesting that the old loan be deleated from all 3 credit files. 

Thanks!

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 02/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Submitted application for income-based repayment and was approved in XX/XX/XXXX. Payments were listed at {$61.00} per month. When I re-applied for XX/XX/XXXX, Navient miraculously discovered an error in their prior agreement and now claims my payment should 've been more expensive and is now charging me {$100.00} for the final 2 months of my XX/XX/XXXX agreement instead of payment amount I 'd been paying for the past 9 months. This leaves me with a few questions : 1 ) was there really an error? 2 ) why was this error not caught? 3 ) why am i being penalized for an error that was not my fault? I put my trust into Navient to calculate the correct repayment figure based on federal guidelines and have chosen to autopay. If Navient was wrong, I should not be on the hook for a larger payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Mortgage (FHA mortgage) with BOK FINANCIAL CORP (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I have an FHA mortgage loan. I had a loan modification. I purchased the home in XX/XX/XXXX and I did speak with FHA and they said that I did qualify for the lender to remove the MIP. The requirements were : Can not be late within a 12 month period and the loan must be at 78 % and I am at 75 % and I have not been late. They are refusing to remove the MIP and want to leave it on until XX/XX/XXXX. I have written in with request and have been denied and do not feel it is fair. I am begging for them to stop this MIP.

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 ALLY FINANCIAL INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted Ally Financial at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XXXX and XXXX payments and put my account current for XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX POS XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX Ally Financial Online payment was debited from my bank account XX/XX/XXXX Ally Financial Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XXXX and XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I contacted XXXX about student loan forgiveness or Debt Consolidation. As I was beginning the process they placed my loan in deferment. In XX/XX/XXXX the Debt Consolidation was concluded and my new servicer is XXXX. On XX/XX/XXXX XXXX reported to the credit agencies that my loans where over 120 days late on payment as of XX/XX/XXXX. I contacted XXXX and they said that since my loans where no longer with them they could not help. This caused a sever drop in my credit score which has caused me to be denied for my home loan.

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 07/25/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: was looking for a personal loan, and I guy named XXXX called me he said from XXXX he has a lot of my information/ss # /bank where I bank/address. He said I was approved for a {$5000.00} loan, just had to send {$250.00} to get application going and for fees. I used Money gram and sent him the money, and he never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: We went in to look at the cost of a vehicle and filled out paper work to see if we were able to get a loan from one company. At the first denial we decided not to continue with the dealership but the dealership kept sending out loan request even after we no longer stated we were no longer interested and no longer wanted to deal with the dealership. 
The inquiries were all done on XXXX XXXX 2013, the original and approved inquiry was on XXXX XXXX, 2013.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (I do not know) with Earm LLC (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Implying they are from a legitimate government agency and threatening to notify police to serve me at my place of employment if I did not pay by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: 1. XX/XX/XXXX XXXX XXXX transferred the loan to XXXX XXXX XXXX. XXXX began to alter checks by scratching out " XXXX & the loan number '' then hand writing their name and a different loan number on the check. 2. XX/XX/XXXX XXXX XXXX received a loan modification prepared by XXXX. The principal balance was raised without explanation from {$250000.00} to {$260000.00}. 3. Between XX/XX/XXXX and XX/XX/XXXX all the loan payments sent to XXXX were never credited to the account. ( XXXX XXXX has all the canceled checks to show the payments were timely sent and cashed by XXXX ). 4. XX/XX/XXXX, XXXX received a " Tax Bill '' from XXXX County Treasurer, stating that XXXX had not paid real estate taxes from the XX/XX/XXXX escrow. 5. Mortgage Interest statement for XX/XX/XXXX from Internal Revenue Service reflects XXXX amounts paid. 6. IRS Form XXXX for XX/XX/XXXX shows that XXXX XXXX XXXX did not report any of the money they received from XXXX ' loan payments made between XX/XX/XXXX - XX/XX/XXXX. 7. XXXX attempted to resolve the issues with the missing money, false negative credit reporting, and other issues with XXXX. She was given a run around by a customer service in XXXX. Then The loan was put into default status, and transferred to NationStar Loan services,  for a Loan Modification under threat of foreclosure. The missing money totaling over XXXX XXXX dollars was never credited to the mortgage account. A Pro-Se lawsuit was filed XX/XX/XXXX in Federal Court against XXXX by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: APR or interest rate

Complaint: Receiving a Wells Fargo promotional mail in XXXX XXXX NO FEE NO INTEREST for a year, borrowed {$19000.00} on XXXX XXXX, XXXX ( has paid off the entire principle amount XXXX, XXXX 3months before the end of my promotion ). No issues till XXXX XXXX. No interest Charges etc.. Come XXXX I call Wells Fargo notify them of Address change as we moved. Despite four calls address is not changed. Mail is delivered to old address only to finally reflect the change in XXXX XXXX, XXXX. Come XXXX I see late fee and Interest charges. I call. Late fee waived XXXX Card # XXXX even though the same fee was waived by XXXX XXXX REF # XXXX, and the Interest charges was submitted for further RESEARCH # XXXX on XXXX XXXX, XXXX as to why charges are levied. No response from Wells Fargo till. Wells Fargo sends my account for collection despite raising dispute claiming the promotion started from the date it was started ( XXXX XXXX ) and not from the day of borrowing, that I was never informed, told about such a stipulation. Upon countering that If I were to borrow in the month of XXXX XXXX if my XXXX year would end even before it began and the representative answered as yes. It is deceptive practice by Wells Fargo Bank upon its unsuspecting customers that goes against business ethics, morals and humanity. 
Response in WRITING only will be appreciated. 
According to me I do not owe any charges levied by the Wells Fargo and its deceptive practice be stopped and the consumers be protected who are powerless against these giants without the mediation of your esteemed office. 
Thank you in advance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Debt collection (Federal student loan debt) with Immediate Credit Recovery (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I never signed a contract or agreement with the Immediate Credit Recovery XXXX XXXX. Immediate Credit Recovery XXXX XXXX can not collect any amount of money that is not permitted by law or by agreement. 
" The Fair Debt Collection Practices Act states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 
Whereas no relationship exists between Immediate Credit Recovery XXXX XXXX and me, and whereas I never signed a contract or agreement with Immediate Credit Recovery XXXX XXXX, I cite Lack of Privity. 
Just because an assignment clause exists in a credit agreement does not mean that it is sufficient to create a new obligation with the Immediate Credit Recovery XXXX XXXX. The assignment clause merely takes away the rights of XXXX XXXX College to collect if they decide to assign it to another company, in this case Immediate Credit Recovery XXXX XXXX. Immediate Credit Recovery XXXX XXXX would then have to offer me a new contract, I would have to agree to its terms, and I would finally have to sign this new contract. If I have not signed a contract with Immediate Credit Recovery XXXX XXXX, I owe them nothing. 
I know my rights, and I am fully prepared to exercise them. You have already admitted in writing that you do not have a contract with me. Therefore, you have no proof that you have ever provided any services to me. There was no meeting of the minds, a necessary element of a valid contract, no contract exists. Since there was no meeting of the minds between me and Immediate Credit Recovery XXXX XXXX, which is a necessary element required to create a legal and binding contract between the two of us, your claim is repudiated. 
So once again, I request the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.
2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor. 
3. Any insurance claims that have been made by any creditor regarding this account. 
4. Verification that this debt was assigned or sold to collector.
5. Commissions for debt collector of collection efforts that is successful. 
6. Proof that Immediate Credit Recovery Incorporated is bonded/licensed to collect in Texas. 

Immediate Credit Recovery INC continues to ignore my requests for information. I am making careful note of our communications. Please provide the requested information. If you can not provide the requested information and you follow suit with bothering my credit report. I will file suit against your company!

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Consumer has made a previous complaint to CFPB about Diversified Consultants in which they responded with lies. Consumer e-mailed Diversified Consultants to inquire as to its reason for placing a statute of limitations-barred, bogus wireless bill on both my XXXX and XXXX credit reports. The rep responded that the account could not be located and requested I send my name and address to verify the account. Of course, I refused. The rep first asked for the last XXXX digits of my SS # -that I provided. DCI was quick to place this bogus item on my credit reports but can not find the account in their records and quick to respond with lies to the first CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have incorrect information in my credit reports as well as information that has been previously deleted and has now been reinserted using slightly different information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi I was cheated by US bank to open reserve lines when I opened a checking and saving account with them, which resulted in a hard pull in credit report. First of all, I was n't notified by the banker by any word regarding a hard pull or credit report change. Secondly, I was n't aware of any word about " reserve line '' rather than overdraft protection. This is ridiculous. I have contacted the credit dispute department of US bank. But their response is disappointing.US bank should take full responsibility for this issue. I just request to cancel the hard pull and reserve Line. However, this simple reasonable request by the customer was ignored by US bank. Could you help me on this? Thanks.

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 01/23/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I was denied a relocation assistance without ever being notified despite numerous phone calls. I went through the home modification program twice. I told them I wanted to do a short sale after all of this. Nationstar provided me with a realtor who worked for them. I got railroaded the whole way through. Now I 'm out of {$3000.00} and no home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Mortgage (FHA mortgage) with loanDepot.com, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Loan depot has a email page with a STREAM LINE refinance they offer which are not existing. 

My credit report was pulled by deception. 

I was asked when my house was purchased XX/XX/XXXX. 

Agent XXXX stated he needed to run my credit report to verify qualification. 

Once pulled I was not eligible because my loan didnt originate before XX/XX/XXXX. 

This was known before by asking the purchase date of the home. 

I was given a horrible ARM offer when I was looking to STREAM line my XXXX XXXX property or go into a VA. 

This I see as deceptive and corrupt practices to obtain the most money off of the client for the company the agent works for ... most likely based on commission and bonuses Im sure. 

Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The current hack of Equifax has exposed mine, and many, many other citizens to potential identity theft. Due to Equifax, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Account Number-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Medical) with Synerprise Consulting Services, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My XXXX credit report indicates that Synerprise ( a collection agency ) reports that I have a {$300.00} in collections. XXXX reports that I do not owe this Bill. My insurance provider XXXX XXXX XXXX reports that I do not owe this bill. XXXX XXXX ( original creditor ) reported that the billing was in error and that I am not liable for the bill. I have been trying to get this matter cleared up since XXXX 2015. The erroneous information reported by Synerprise to the Credit Bureau is having an adverse effect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANCO SANTANDER PUERTO RICO (NH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have had a credit card with Banco Santander Puerto Rico for several years. I pay my balance off every month on time, so my credit history with the bank is excellent. Even though I was a resident of PR in XX/XX/XXXX, due to a work assignment I traveled to New Jersey in XX/XX/XXXX for several weeks. Since the due date on my credit card was XX/XX/XXXX, I mailed my payment on XX/XX/XXXX from New Jersey, just like I had done several times in the past. Under normal circumstances, 13 days was plenty of time for the check to arrive and be processed before the due date. However, hurricane Maria struck the island of PR on XX/XX/XXXX, which among other things, caused the US Postal Service to stop operations and delay all mail activity to and from the island. For this reason, my check # XXXX in the amount of {$2500.00} ( credit card balance due on XX/XX/XXXX ) did not arrive on time at the bank. This check was reflected on my account on XX/XX/XXXX, 14 days after the due date, and 27 days after I mailed it. To reiterate, my credit card payment arrived late at the institution not because of negligence or inability to pay, but because one of the worst natural disasters that has ever struck PR delayed the postal service. The bank charged me {$60.00} in late fees on XX/XX/XXXX. I  disputed the charges on a letter sent to the bank on XX/XX/XXXX. On XX/XX/XXXX the bank  replied stating that the charges would not be cancelled because my payment arrived late, even though it was through no fault of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. After calling and disputing them on  XX/XX/XXXX  two days later on  XX/XX/XXXX  I received the attached file which all have same results " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : '' According to FCRA rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it sta tes that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it 's files. The fact that I received a response 2 days after the receipt of dispute call, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, which is not the case. I am submitting this complaint due to the lack of investigation i to my original dispute for hard inquiries on my report that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. In regards to this issue and have not heard back from Equifax. I would like for the below inquiries to be deleted.      XXXX   XX/XX/XXXX   XXXX   XXXX ,  XXXX .  XXXX / XXXX / XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation