milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted XXXX XXXX XXXXXXXX several times, in person, over the phone and through email for almost year starting XX/XX/XXXX. This company refused to fix the error made on my credit report. Despite this company admitting their errors ( please see attached documents ), the refused to remove the item from my credit report. They have damaged and still is damaging my credit causing me to lose a lot of opportunities. I have filed a complaint with CFPB before Complaint ID : XXXX and through BBB ( complaint ID : XXXX ), but this is to no avail. This is my last effort to fix this issue and I am attaching a copy of my XXXX which I am ready to file if this company still refuses to fix their errors on my credit file. Please see all attached documents that I will use as proof of this company 's negligent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: I am writing in reference to the AFFIDAVIT that their office but has to respond. Also we have not received all the information requested validation of debt and they are still rushing forward with the sale. 

Cancel Checks of Transaction Proof of license to collect debt in Georgia Verification copy of judgement Any assignment of mortgage that can declare legal standing records of all correspondence from you I have enclosed a copy certified affidavit just in case it has not uploaded to your office. I faxed the affidavit over to XXXX and mailed to the locations listedlisted in the attachment. Mortgage frau has been commited an they are not answering to i. 

I tried calling and leaving messages along with my counselor but the person voicemail stated it does not allow messages to be left andthey have not returned the call. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The tax liens on the credit report have been released

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX XXXX XXXX sent notification that the mortgage home loan servicer would be changing to XXXX XXXX XXXX  and would take effect on XX/XX/XXXX. Nationstar confirmed the transfer and sent out a welcome correspondence on XX/XX/XXXX. Both taxes and insurance are escrowed in the mortgage payment. Both XXXX  and Nationstar assured that the payments would remain the same and that the terms of the loan would remain unaffected.On XX/XX/XXXX XXXX  (the provider of homeowners insurance to the property) sent XXXX a request for payment. The policy was set for renewal by XX/XX/XXXX. XXXX transferred the mortgage to Nationstar on XX/XX/XXXX without payment being made to XXXX. XXXX  request for payment was sent only to the mortgagee and not the mortgagor as the account had been noted since the XX/XX/XXXX's. On XX/XX/XXXXthe  XXXX insurance policy was terminated for nonpayment.Surprisingly, when the XXXX insurance policy canceled, XXXX was still listed as the Mortgagee. Nationstar  not only failed to change the mortgage clause during the transfer, but they were also unaware that the insurance policy had canceled, still currently show XXXX as the insurance provider, and continue to escrow based on the previous policy premium.Moreover during the lapse of coverage, a claim for substantial water damage on the property needed to be filed. Nationstar has force placed insurance that will not adequately cover the damage and repair to the structure of the property. There is also no coverage granted for any personal property loss. The XXXX policy would have more than easily covered our losses had Nationstar not been negligent to pay the renewal of the policy as required in maintaining terms of the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Medical debt) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt collector is trying to collect a debt that was paid. They never contacted me to verify anything. They are reporting false information concerning me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit Bureau reporting incorrect information on my credit bureau. I requested the information to be removed. The XXXX collection accounts are XXXX and 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 explanation
Consumer complaint received 08/25/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (TN).
Issue: Improper use of your report

Complaint: I 'm told by US Bank Mortgage that they have n't reported received the identity theft affidavit. I mailed it to Customer Service Fraud Department on XX/XX/XXXX. It was sent to XXXX KY per their request. I notice my name have been changed to XXXX XXXX XXXX. I was told it was received onXX/XX/XXXX. I was told a letter would be sent to me on XX/XX/XXXX concerning payments made to the insurance companies by U S Bank Mortgage. I have n't received any mail. I requested information concerning property taxes paid by U S Bank Mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed XXXX - XXXX directly with XXXX three times, filed a complaint against them with the XXXX, the CFPB and the Attorney General in Texas. I am irate because they have not responded to any of my complaints via phone call, email or mail. How can they do that? 

This account needs to be deleted on my credit report before I hire an FCRA attorney to file a lawsuit against 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 explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I reached out to Fed Loan Servicing a number of times explaining that my credit file should have been on deferment due to myself being disable, I was born disable and have been receiving social security XXXX since birth. My credit shows late payments which is damaging to my credit dated XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX on all 3 bureaus, I am only asking in good faith to remove the late payments off of my credit as I pursue to better my credit and life. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had to get XXXX involved with a billing dispute with XXXX XXXX XXXX because of their lack of performance. When XXXX stepped in, XXXX XXXX XXXX finally adjusted my bill. The final balance was {$87.00} which I paid. BUT ... what XXXX XXXX XXXX did in retaliation was send the bill to collection even though they were told I would not pay until the bill was adjusted. So there it sits effecting my credit. I tried to dispute the account with the collection agency, Enhanced Recovery. They zeroed out the balance and moved it to " removed collection ''. I just checked my credit and they moved it back to " closed collection '' which is effecting my credit. THIS is ridiculous!!! It should have never been sent to collections in the first place!! The act was retaliation for getting XXXX involved in XXXX XXXX XXXX lack of performance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SCHOOLSFIRST FEDERAL CREDIT UNION (TX).
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 disputed an error on my credit report previously. It was fixed at that time. Now XXXX has again messed with that same account and has this old, closed, satisfied account marked as LATE as recently as XXXX/XXXX/XXXX!!! The balance of this account has been XXXX since XXXX XXXX. It now shows a balance of {$4500.00}. 

I tried to dispute the error with this account AGAIN and I am told that I can not dispute it because it has previously been disputed. I called customer service and the employee became HOSTILE towards me. 

This account is WRONG. it is not late. It was satisfied and closed in XX/XX/XXXX. I want the account removed immediately and permanently. Even if it were to be fixed AGAIN, I no longer trust XXXX to not change it back. 

Remove SCHOOLSFIRST FCU " installment loan '' XXXX opened XXXX/XXXX/XXXX original amount {$6000.00} immediately and permanently from my report. I have proof that I have previously disputed this SAME account. I will be reporting every error from now on. I am sick of this. XXXX and XXXX have it right. XXXX IS TRASH.

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 01-04-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (DC).
Issue: Account opening, closing, or management

Complaint: XXXX accounts were opened under my name without my authorization. When I inquired about the accounts with the bank, the bank presented me with an authorization card with a signature purporting to be mine. I never signed the document they presented. I have been waiting for the results of their internal investigation for over two months and have not received any information from the bank as to who forged my signature or why those accounts were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Re : scam/misapplied payments/predatory lending Ditech Financial LLC aka Green Tree registered at XXXX Box XXXX, XXXX XXXX, SD XXXX is a mortgage lender. 

I have consistent history of making timely monthly payments for more than 8 years starting in 2008. All monthly payments are sent using XXXX automated billing. 

Ditech misapplied monthly payments in the amount of {$3600.00} and put account in collection status. All payments have been submitted consistently through a third party payor, XXXX, who confirmed that Ditech received a monthly check in the amount of {$3600.00} and cashed it every month. 

Ditech refused to cancel PMI which reached 79.19 % and refused to respond to my multiple communications including the ones sent via fax, email and mail. 

Ditech failed to : *apply all monthly payment checks from XXXX ( cashed by Ditech ) to my account *remove late fees and bring the account into a good standing *cancel PMI *respond with an explanation why Ditech was cashing monthly checks in the amount of {$3600.00} each month and not applying it to my monthly bills, assessing late fees and collection fees

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 09/29/2017 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: The account below is paid in full. 

XXXX XXXX - Balance {$39000.00} Accounts ( 3 ) below are not mines. 

View all accounts COLLECTIONS XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$5900.00} Original creditor : 09 XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$310.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$3000.00} Needs Attention

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 04/21/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a second complaint concerning Shellpoint Mortgage Servicing. Original ( XXXX ) was not taken care of. We still can not access our account. We still remain in Bankruptcy per their records. Customer Service can not or will not help. Bankruptcy Department does not respond to messages and does n't answer their phone. Absolutely noone can/will help at Shellpoint. We can not even verify what our XXXX payment should be.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (KY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX removed my discover credit card that is still open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 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: I worked hard to get my credit score in the Excellent range in the low XXXX 's. Within weeks my score dropped from 89 to 175 points XXXX : XXXX in XX/XX/XXXX to XXXX XX/XX/XXXX ( 89 pt drop ) Transunion : XXXX XX/XX/XXXX to XXXX XX/XX/XXXX ( 175 pt drop ) I contacted XXXX and Transunion to understand why my credit score was decreased so much so quickly since there has been no major problems or changes to the account except for paying off a car loan ( with NO late or missed payments over a 5 year period ) and opening a new account for another car purchase. 

I have tried to obtain information from XXXX and Transunion yet they can not find anything that has changed and refuse to correct the score. They have refused to help or even tell me how to fix the problem. XXXX also has claimed I have put a freeze on my account in XX/XX/XXXX with a special " code ''. I do not remember doing this. 

I need my credit score corrected.

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 07/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: Back in XX/XX/XXXX I submitted a claim to have my loan discharged due to the school being sued for falsely advising students that they will be able to find work after completing the XXXX program. In XX/XX/XXXX I got an email stating that my loans for this school which was XXXX had been approved to have the loan discharged and to allow 60-120 working days. Today is XX/XX/XXXX and the loan has yet been discharged and still effecting my credit. Please be advised that I receive notice that my loan payment is coming up so I had to defer them again which is causing more Interest to be applied on my loan and I have been working very hard on my credit. Attached please find a copy of the email that was sent to me on XX/XX/XXXX stating it was approved, I have also tried to reach out to the number and email address associated in the email and no reply or response. Also a few days ago I received a letter regarding this school and how to apply to have the loan discharged nut I have already went thru these steps and just waiting on the loan to be financial discharged and see that balance decrease from my debt to ration income. Please help me get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: The Credit Bureau Customer Service would not help and take care of the negative inquires reporting to my credit report. 


XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX , XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX As well as ACCOUNT XXXX XXXX- XX/XX/XXXX, Never Had a Contract with this Creditor, amount is XXXX. 
XXXX XXXX XXXX XX/XX/XXXX, Never Had a Contract with this Creditor, amount is 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 explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I never authorized Onemain to inquire about my credit history, they have a hard inquiry on my report that i want removed because i never authorized them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am about to XXXX. My federal loans have all been placed in deferment because of my national service. However, Navient, which is servicing XXXX private student loans, is refusing to give me any accommodation. They claim to have some form of special treatment for those serving in the Armed Forces, but not for XXXX XXXX service. Navient also claims that I " used up '' most of my contractual " forbearance '' from when I did two years of service in an XXXX XXXX program in a XXXX public school. That " forbearance '' was a dubious benefit ; while I did n't have to make monthly payments, the loans ( at rates as high as 12 % ) racked up so much interest that I essentially will be paying for years for my service in XXXX. I believe this is outrageous treatment of someone who is doing national service and wonder why Navient -- who, I understand, is making lots of money servicing federal loans -- is not compelled to respect and support national service in its servicing of private student loans. I have approximately {$330.00} in monthly obligations on my Navient loans. What am I supposed to do? In XXXX and XXXX XXXX, the commitment you make is to live at the poverty level, at equivalent income levels to the people being served. It is simply not possible to live in poverty and keep up with Navient 's demands. This whole miserable situation with Navient has its roots in the deceptive marketing of private student loans. I was XXXX years old and they made a point of making it sound so simple and indistinguishable from my federal loans. Please note that I am scheduled to depart for my XXXX XXXX service on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a Chapter XXXX that was discharged in 2009 that shows in the public records area. The incorrect part is that there XXXX-XXXX mortgage companies showing XXXX balance in the collections part. They are impacting my credit score on both Equifax and XXXX. Those accounts are not allowed to go to collections. They should NOT be there. They are reported correctly on XXXX 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (FL).
Issue: Trouble during payment process

Complaint: Our home suffered a loss due to bad pipes underneath my home. Our insurance adjuster came out and issued a substantial money payable to us and the mortgage company to repair our home. We endorsed these checks and sent them to their Loss Draft Department who was to hold in escrow and disburse back to us so we can effectuate repairs to our home. During the construction process the mortgage company released money back to us and our General Contractor, however in order to finalize the construction, we need the remaining balance of funds. Unfortunately the mortgage company wants us to be 100 % complete before they release the balance of our money. I 've tried for the past three weeks   starting end of  XXXX     2017 to e xplain, we ca n't get to 100 % complete without the balance of our money. This project started in  XXXX     2017. My fa mily and myself have been displaced out of our home and can not complete the project without the balance of the money. They expect us to come out of pocket for the repairs. Unacceptable as we do not have that kind of money just lying around. They have not been reasonable or accommodating to finalize the end of this project. Please help so we can finalize this and get back into our home. I have numerous emails back and forth for months with these guys. My insurance company tried as well to get them to release our money to no conclusion.

Company response to consumer: Closed with explanation