milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2016 about Debt collection (Payday loan) with BlueChip Financial (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Spotloan is not licensed to issue usury interest transactions in the XXXX,, they can not collect an illegal transaction the interest rate was 800 % I am XXXX XXXX XXXX and did not know about this.

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
Consumer complaint received 01-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I an complaining about XXXX card which is inaccurately showing XXXX late payments. 
XXXX representatives XXXX had promised to remove the information 2 months ago. Recently another rep called me. After lengthy discussion, XXXX representative said we will remove those late payments if there were charges due to fraud. I told them, that if you see records you will see that XXXX has already given me credit for fraudulent charges and balance was zero and new card was sent. And now XXXX is reneging on the promise to remove those XXXX day late charges. XXXX had my statements returned by USPost for no fault of mine and there were fraud charges so why my credit should be damaged, especially when they admitted on recorded line that my credit was excellent except those reporting. She transferred me to XXXX different departments, no one picked up. 
Is this the customer service a loyal regular paying customer deserves, or is it even legal to damage credit like the way they are doing. I am sending this letter copy to all credit Bureaus so they can remove the late reporting as they are hurting me to obtain decent mortgage interest. 

XXXX XXXX XXXX : XXXX, Equifax , XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have filed several disputes to investigate account. The company keep verified the account in less than one day  and not properly investigating it. I have explain to the credit reporting company that the XXXX XXXX is paid off. They refuse to update my account to paid in full.

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 08/15/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: While applying for a modification on my XXXX home equity lines of credit, I was advised by the representative to not bother to pay my monthly payments because I could rest assured that I would be approved. This went on for over 2 months. I was ultimately denied the modification and reported to all XXXX credit bureaus as 2 months delinquent. I feel this record should be expunged. I have another outstanding complaint with the CFPB regarding the experience of the modification itself.

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 10-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen is attempting again to force me into escrow. I have never had escrow in the entire duration of this loan. They do this every few years in an attempt to get me to default by XXXX my payments. I find it suspect that they also sell foreclosed homes.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following XXXX XXXX credit card account : XXXX do n't belong to me. It 's not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Rent Recovery Solutions continues to report to all XXXX credit bureaus that I have an outstanding balance of {$1700.00} owed to XXXX XXXX of XXXX. However, I settle this account with XXXX XXXX ' attorney XX/XX/XXXX. I have made repeated requests to XXXX XXXX XXXX to properly update my credit report, but they refuse to do so and continue to ask me to pay them money I no longer owe.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 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 information incorrect

Complaint: i have contacted Trans union more than once probably about 10 letters, last i call them which is very hard to get anyone to answer their number..i question about an indentity theft alerts i saw on my credit report at that time they told no such statement was there and they had removed it..today i received a post card saying they had place by my request..BIG LIE!! i contacted them via phone asking to remove an alert that was place with out my knowledge and permission as identity theft, i was told it was not there again, they had place an alert when i never requested to be put on, which they lied to me they told me it was nwever there, as well, they have refused to removed address that dont belong to me, i never lived on it.

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 09-12-2016 about Credit reporting () with ONLINE Information Services, Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I do not know this company or its issue with me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been trying to find out from Navient what are all my options in regards to paying my private student loan. For the past year they have been constantly keeping back information. Recently I have been going through some financial difficulties and could not afford to make payments. I was offered the hardship deferment option, but it costs {$50.00} just for 3 months. I have been dealing with the rudest person, XXXX, at Navient that all she knows to do is make threats towards and me and my family if I do n't pay ... .stating that she will make sure to put us out on the streets. Recently I have received some letters from Navient stating that now there are more options and that I need to call them. Every time I call I only get XXXX and she states that there are no options that would apply to me ( not even the ones listed on the letter ), even though on the letter it has my loan #. After many days of calling, I was able to speak to someone else, XXXX, and she was nice enough to share more options that are available, though she said there are more but I need to be in a different financial position for her to share them with me. After few minutes of conversation, she states that she needs to transfer me back to XXXX. Once transferred to XXXX, she starts yelling at me to pay up or she will make sure to escalate the matter and have an attorney 's office come after me. After I tell her I spoke to XXXX about some other options, ( like 1 % interest, late fee waiver ) all of a sudden she remembered that these option are available to me too. As I probe more and share more and more of what XXXX shared as being my options and what the letter states, XXXX starts to recollect the options as well. When pushing to find out what other options I have she starts screaming that I need to pay or she will make sure to have an attorney come after me and then she hung up. I want to know what are ALL my options and not have threats agains me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Consumer Loan (Vehicle loan) with Luna Financial LLC (CA).
Issue: Problems when you are unable to pay

Complaint: Luna Financial located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX has called me on numerous occassions trying to locate my sister and nephew because they were late on their payment, XXXX XXXX and XXXX XXXX, who have a car loan with them. They were not skip tracing. They would also leave messages on my voicemail. I asked them to stop calling me month after month. They stopped. Today, XXXX XXXX, 2015, I received a call from them again. I told the gentlement not to call and that I had asked them in the past not to call me anymore. He said they were going to continue and call me again next month and hung up on me. I called back to ask for a manager and the same guy answered and said that they were going to continue and call me and hung up on me again. I would like for these phone calls to stop. I am not a message center. I would like my phone number to be removed from their records and for them not to contact me again. 
Thank you. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Received a loan I didn't apply for

Complaint: I have not had a loan through this company.I have not applied for a loan through this company

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarMax, Inc. (AZ).
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: In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of 2016 XXXX XXXX XXXX reported to the credit bureaus that I had missed four payments which is not true. I made all the payments and XXXX reversed the payments each month and never contacted me to explain WHY! The only way I found out was when XXXX reposessed the vehicle, I have my car payments on Auto pay so there was no reason to Check if the payments were made after receiving a payment confirmation, after making the lump payment of {$1300.00} to XXXX I disputed their claim of non payment for those months to no avail. Please look into this matter for me. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to my report this account from XXXX was previously removed from all 3 of my credit file. Now without knowing and knowledge this company has sold this account to another collection agency and is reporting on my file. This is a illegal act.

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 05/18/2015 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I contacted the creditor and they acknowledged that the account was in error and that I did not owe the amounts in question. I have a letter from the creditor stating the same. The creditor contacted all three credit reporting agencies to correct the information and only Experian continues to have the account as legitimate.

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 non-monetary relief
Consumer complaint received 10/24/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was modified with XXXX XXXX XXXX and recorded with the county. XXXX XXXX XXXX sold the servicing contract to Green Tree Servicing. They unlawfully added {$3000.00} to my total loan balance under the title : 'Corporate Advance Balance ''. They further did not respect the modification terms that were concluded and signed with XXXX XXXX XXXX. They have since charged lots of unlawful charges in order to acquire that {$3000.00} charge. Now the loan has been transferred to Ditech who is essentially the same 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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've spoken with 3 representatives from Transunion within a month. I have inquiries that I did not authorize and was removed. Due to a glitch they were added back on my report without a 5 day written notification. The companies did not have my permissible consent to pull my credit.
Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. In accordance with the written instructions of the consumer to whom it relates. To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of 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 07-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EXPERIAN HAS BLOCKED MY ON-LINE ACCESS TO DISPUTE. 
experian has permitted XXXX different furnisher 's to report accounts without a date of XXXX delinquency.the date is required by XXXX XXXX.the date must be accurate according to this citation which i have cited, circled and underscored. 
Without this date or a fall-off date the negative reporting continues forever and that is illegal credit reporting. 
PLEASE CORRECT OR DELETE AS PROSCRIBED BY LAW OR FACE CFPB FINES AND CIVIL SUITS.

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 01/24/2017 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Transaction issue

Complaint: I had ordered a set of home theater recliners from XXXX XXXX on XXXX XXXX, XXXX. 
When I found out the order did not come with white glove delivery I cancelled the order. 
The item had not been shipped by the vendor and I did not receive anything. 
According to the merchant ( XXXX XXXX ), the credit was issued on XXXX XXXX, XXXX. 
I had set up a dispute through Chase bank the card issuer. 
I have made several calls to the Credit card company inquiring about the status of my dispute. 
Initially I was told by the Chase that the credit will be applied on the XXXX. 
When I did not see the credit on the XXXX, I called again and was told it is under process. 
Now when I called today ( XXXX XXXX ) I was told that nothing has been done and they need to enter the information again. 
I also made several calls between them. Please get all the recordings of my calls to find out how the representatives, supervisors there are lying or are totally incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My complaint is that Trans Union will not remove the bankruptcy off of my credit report 6 months before they claim it is supposed to come off my report-that is it! 
Trans Union came back with something about about how they do n't control my credit score etc, etc. 
The bankruptcy has been on my credit report for 10 years removing it 6 months before Trans Union claims is when it is supposed to come off should not be a problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Credit decision / Underwriting

Complaint: Reviewing my husband 's credit report and mine, we found heinous amounts of misinformation. Downright lies from banks, mortgage companies and mortgage service providers ... .all reported to XXXX XXXX The lead offender is Bank of America. Due to all these errors we have not been able to refinance XXXX of our homes and have been paying higher mortgage interest and the misinformation has spread to XXXX XXXX and XXXX, not to mention everyone who looks at any of our reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX XXXX I personally mailed Experian a request to investigate XXXX negative accounts I had listed on my Experian credit report. On XXXX XXXX they mailed me a letter stating that they deemed my request as " not sent by me '' and that they were not going to complete the requested investigation. I contacted them by phone to explain that it was sent by and to request instructions on how to prove that it was sent by me. Their response was that I could n't prove it and all I could do was to resend the same request. I explained that if I resend the same request I will probably get the same denial. I sincerely feel that this is nothing more than a stall tactic on their part. They are not allowing me to dispute items on the credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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 attempted on several occasions to get the problems resolved that are reporting on my Credit Report! Someone opened several accounts in my name as I was in XXXX and had no idea these accounts were open. Most of the accounts have been taken off my report however there are still a few that are impacting my score! This is awful again because these are not my accounts and I have even submitted an identity theft report! Please remove these accounts off my report because they do not belong to me and I have no knowledge of these accounts! Please help me to move on past this awful situation! The accounts that are still reporting are XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help to remove these untrue accounts on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Trouble during payment process

Complaint: Roundpoint Mortgage Servicing ( NMLS ID XXXX ) refuses to apply my payments as directed. <P/>They took over my loan XXXX XXXX of 2017, and after a very slow process to get my loan on-line, I have been attempting to make payments. <P/>Due to their ridiculously slow processing, I made initial principle payment prior to any statement. On my check I stated it was a principal payment. <P/>Since XX/XX/XXXX, I have used their supplied statement to designate how I wish for the funds to be applied. I would include mortgage payment plus additional principle. <P/>When I went to check my account, I found that they had not followed directions at any point during the process. The principal payment was assigned to monthly mortgage payments and the monthly payments were assigned as principal. Evidently, they failed to read any payment slip and just deposited the funds however they wished. <P/>I called numerous times, but was never assisted. I finally, sent an e-mail to their assigned ombudsman in XX/XX/XXXX. The ombudsman corrected the original errors to some degree, but now I find that they have misapplied my funds again for XX/XX/XXXX. <P/>I have contacted the ombudsman again on XX/XX/XXXX, but have not received a response. <P/>Their failure to follow instructions is adversely affecting my credit rating.

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