milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My Equifax credit report reports  Federal Tax l iens. Equifax improperly and incorrectly reports these items. In   XXXX   XXXX   XXXX     the Department of th e Treasury-Internal Revenue Service  issued Forms  XXXX  Withdrawal of Filed Notice of Federal Tax Lien as relating to the  Federal Tax Liens  Equifax is reporting. These Forms  XXXX  have been filed with the  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Florida  XXXX . Equifax has repeatedly refused to correct their error . On three sep arate occasions I filed disputes with Equifax providing documentation to support my dispute. Both  XXXX  and  XXXX  immediately deleted these items from their reports upon receiving a single dispute. Equifax by continuing to knowingly, improperly and incorrectly report these items has harmed and continues to harm me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Settlement process and costs

Complaint: In 2013 I was offered a loan modification. As part of the modification I was charged {$22000.00} in interest. Although I accepted the loan modification, Chase has not been able to explain to me why I was charged this amount of interest and why it was added to my loan balance. I have attached a copy of the loan modification showing the {$22000.00} in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried on numerous occasions to contact the credit companies and also credit bureaus to get these inquiries removed because they are unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: deleted from XXXX credit report but not the rest of them even after sending the letter i was sent that it was going to deleted

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Hi. I wanted to know how to file a complaint about credit inquiries on my Transunion account that. They were removed and then put back on without any notice. From my knowledge, I should have been aware of such circumstances and would like them to be removed again like they were supposed to be. I tried contacting Transunion about this dispute but did not receive any assistance. I would just like all the inquiries removed from my account. 

Please find the inquiries at the bottom of the official credit report uploaded.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX amount is {$2500.00}. This account does not belong to me

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 06-06-2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Using a debit or ATM card

Complaint: I recently was informed by U.S. BANK that they had put me on XXXX in XXXX 2013 for Automatic Teller Machine Abuse. I owe U.S. Bank no money or repayment of any kind, however they refuse to give me any documentation confirming this. 
I am a XXXX, XXXX, on permanent XXXX, and suffer from XXXX. In XXXX of XXXX I inadvertenty put a non-cashable item into their ATM. The very next morning I was at same branch and apologized and rectified my error. And for this oversight on my part they place me on XXXX for XXXX years?! That 's quite severe for an error in judgement, for which no monetary debt is owed to U.S. Bank. 

Please investigate this incident. I 'm requesting that I please be removed from XXXXRespectfully, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 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: Information belongs to someone else

Complaint: XXXX reporting inquires that are not mine wont send me credit report to see whats on there cra violation

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 01-07-2017 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (NV).
Issue: Application, originator, mortgage broker

Complaint: I have made numerous attempts to move forward with a loan assumption through Freedom Mortgage and/or XXXX. I 've completed the email request process per their instructions with the confirmation from them they were going to send me the loan assumption packet within 7-10 business days. It 's been 2 months and no packet. Every time I call, both of these institutions shuffle me back to the other. The one time I did get a hold of someone who was able to pull up my account, they told me they could not move forward until the investor responded back to them, even after it was previously verified that my loan is eligible for assumption. The last time I called, neither institution, Freedom or XXXX could find my account. I feel this is a stalling tactic to dissuade me from allowing my daughter to assume my mortgage and they would rather do a bait and switch to get us to apply for a new mortgage. Please help me get some resolution to this so that we can move forward with the loan assumption. I 'm not in the best health and on a fixed income as I 'm retired.

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 10-11-2017 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (RI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Credit Control, LLC has been harassing me for the past two years stating I owe them {$240.00} from an XXXX XXXX credit card.. I have responded to this on numerous occasions reporting to them I have excellent credit and this is not my debt ... .What they list is not even my XXXX XXXX credit card number. If the harassment does not stop I will contact my lawyer and take them to court.

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 06/17/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: During the XX/XX/2015, we decided to look for a better mortgage loan than our current one. It was an FHA loan with a modification and a first lien of {$150000.00}. After searching and reading we decided on Flagstar Bank. Our monthly payment was {$2300.00}. Two months after we had signed escrow papers and started monthly payments we received notice that escrow had made a mistake. They had included only the first six months of our property taxes. Our monthly payments were going up {$500.00} each month for the life of the loan. I asked if they had any suggestions or could help us and I was told I could sell the house. I was upset that we had paid {$7000.00} in escrow fees just to gain a monthly payment similar to the previous loan. 
I started to look into alternatives such as : " Keep in California '', the State Controller 's Office, XXXX, the XXXX, and HUD counseling. We were told we had too much money ; we were told we needed to go in with another person so we would have enough money ; and they did not like that we had used XXXX services. We did not have any money removed from the accounts, but a few accounts lowered the interest rate. 
At the same time we tried to work with Flagstar. We were assigned a Flagstar representative to help us, but she never called or e-mailed us. I finally asked Flagstaff if they could extend the new payments. They did so for one year. Later, I found out that they could have extended the payments for up to five years. At the same time they sent us a streamlined refinance, but it still had a large monthly loan payment. I currently am waiting for another loan, but have not heard anything about it. 
We also were given a compaints officer from FHA who sent two e-mails and a call saying that she was waiting for Flagstar to finish looking over the escrow papers. So far, this has taken almost three weeks. FHA referred me to our complaints officer 's supervisor who never did call us.

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 04/14/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: I have opened the account of Bank of America and they indicated that if all of my account together have more then USD 10,000 balance i would not be charged monthly maintenance Fees. but all of sudden they started charging without any notice. And they agree although rep did not inform correctly we ca n't do anything

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 monetary relief
Consumer complaint received 09-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from XXXX, XXXX, and XXXX contains 8 late payments on my NAVIENT

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My complaint is that I have mailed information to Navient to see what could be done to have my student loan payments reduced but they continue to have me delinquent with payments I have tried for a year now to see what can be done when XXXX send information to me about doing a repay plan for XXXX dollars a month for a full year than my account would be forward to a loan servincing company paying the same amount each month they lied to me because when I received information from Navient my payments would be over XXXX dollars a month I could not afford that so I mailed a letter with a request to see what other options I have they never acknowledge my later but continued to place my account in a late status each month I want to pay on my account but I can not afford the amount that was stated the company is unwilling to help. i do n't understand why the companies are not willing to help consumers XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit score dropped XXXX points on XXXX due to a XXXX XXXX account ( from XXXX ) becoming 90 days delinquent. XXXX XXXX has never been late and there were never no reporting of it being 30/60 days late, it jump straight to 90. After reaching out to XXXX XXXX come to find out there student loans were sold to XXXX, whom could n't locate my account in their system either. 
I reached out to US Dept of Education and there were only one XXXX XXXX account showing paid in the amount of {$1300.00} in XXXX. 
After reviewing the verbiage on all 3 credit account, I notice XXXX XXXX appeared on my Experian report. I reached out to XXXX who is no longer is XXXX but is now XXXX XXXX. 
They inform me my accounts were 90 days late. I asked why I have n't received anything in the mail or at least a phone call. Why it never reported 30 days late and went straight to 90 days, I could 've addressed it sooner. Why my students loans been sold so many time and I was n't made aware of who to contact to make payments.

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 04/25/2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (FL).
Issue: Using a debit or ATM card

Complaint: I recently had half my savings, over {$1500.00} withdrawn from my account through a fraudulent debit card transaction in a different state. I have neither lost nor had my card stolen, so when I saw that large transaction, I was worried because no one had called to tell me or ask me whether or not I was the one who spent that large an amount in one day in XXXX purchase, in a different state. I called Ally bank, who I 've had little to no issues with up to this point, my current bank with my current debit card. 

Ally explained to me that the payment was used with my debit card information and that I would have to cancel my card, which I did, and request a new one. They also told me to contact the company that my debit card was used for with this large purchase to see if they could halt payment, as though that 's the consumer 's job, because they could n't stop payment themselves even though it 's pending. I do n't believe that. They also claimed they could not do anything unless the payment went through, and if it did, I 'd have to file some paperwork and wait UP TO 45 - 90 DAYS to get my money back. 

Frankly this is unacceptable. I have never spent more than {$300.00} - XXXX in XXXX purchase, and they are aware of this. I was XXXX in the hospital last week when the purchase was made, so I could not have flown across the country and used my card in California. No purchases have ever been made outside my state of residence. I do not know why that would not be a red flag to this company. I requested alerts of payment amounts over {$150.00} and I feel Ally bank has both failed me and " can not do much '' to get my money back. I explained to them that I am out of work for up to 90 days because of this XXXX, so I was depending on that money to pay my bills. Frankly, I worked hard to save my money. For them to take up to 90 days, make me do all the legwork, not contact me about this fraudulent purchase, and so on, is unacceptable for a company that calls themselves a bank. I will be changing banks today, but I want my money back from Ally. I hope it will not take 90 days, and I hope someone can help me escalate this issue. Frankly I have had my debit card stolen with a real bank, with the same issue - they stole the digits not the physical card. That bank promised the fraud dept would get me my money back 7 - 10 days after the purchase went through, etc. I know how a REAL bank works, and Ally is not a real bank. I am disappointed in this service and disappointed with this outcome.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (IL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: Suspect fraudulent activity committed by Wells Fargo on my mortgage account ( through Wells Fargo ) : 1 ). Wells Fargo has committed a breach in home loan contract. <P/>2 ). Home mortgage payments have increased for property taxes & insurance without probable cause. Changes and/or justification provided by Wells Faro does not reflect current # s on assessor 's  website and other supporting documents ( please see attached ). <P/>3 ). XX/XX/XXXX - Purchased home through Wells Fargo standard home loan. <P/>4 ). XX/XX/XXXX - Performed ( current ) loan modification through Wells Fargo. Decreased payments to ~ {$1500.00} now over ~ {$2000.00} ( please see attached supporting documents for home loan # ). <P/>5 ). XX/XX/XXXX - Received payment adjustment notification via mail that property taxes & insurance increased. Given 2 options ; 1 ). pay total amount in full, or 2 ). make monthly payments for 12 months. Opted # 2 for payments. <P/>6 ). XX/XX/XXXX - Received additional payment adjustment notification via mail that property taxes & insurance had once again increased and that once paid in full monthly mortgage would increase. Given 2 options ; 1 ). pay total amount in full, or 2 ). make monthly payments for 12 months. Opted # 2 for payments. Currently making scheduled payments through XX/XX/XXXX ( please see attached supporting documents ). <P/>7 ). XX/XX/XXXX - Red flags in question : when compared to dates & # s listed on the assessor 's website they do not align. Property taxes & insurance have not increased in at least 2 years. They make claims that property taxes & insurance payments were paid late ( by Wells Fargo themselves as I do not have a personal impound account, Wells Fargo handles all property taxes & insurance payments ) when in fact reflect an earlier date on assessor 's page. They incorporated a payment increase justification due to claims of a 'Projected ' increase for XX/XX/XXXX ( noted on reverse side of notification, see  attached ). No clear explanation/justification for increases has been provided by Wells Fargo to date.

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 02/26/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I took out this Navient ( formerly XXXX XXXX ) student loan for my son - it started in XX/XX/XXXX. Over the next 3 years, we borrowed a net total of {$95000.00}. Since XX/XX/XXXX, we have paid them {$91000.00}. We have very rarely paid late ( 6 times in all, and on those occasions we paid double to show good faith, we paid late because we simply forgot - we pay on line and do not receive invoices in the mail ). There are months where we pay XXXX, and over XXXX is interest. 
How can this be legal? Out of the {$91000.00} that we have paid, only {$29000.00} was applied to principal, and {$62000.00} was applied to interest. My problem with this is that I have had several unsecured loans in the past, at around 8 %, and it was nothing like this. My current balance is {$66000.00}, and they project my payments ending in XX/XX/XXXX? Really? I have tried to get my interest rate changed and they told me to call my congressman. Attached are all of the documents. I believe this is slanted, not transparent from the beginning, and absolutely unfair. 
Please help me to do something about this. If I had known I was taking a loan from criminals that would be spread over a 25 year period, and would be this slanted - I would have never done it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage w/Nationstar on XX/XX/2015. The said they mailed out the release of lien on XX/XX/2015. I 've contacted them XXXX times since then and they assured me that the release of lien is being sent each time. As of XX/XX/2015 the recorder 's office at XXXX XXXX has not received it. The last time I talked to them they said it will be mailed and I will receive a email copy. When I opened my email I found a payoff statement of which I have XXXX of. That 's what they keep sending me. On XX/XX/2015 I got a email saying the release of lien has been sent to the recorder 's office and to contact them. I then received a postal letter that said it was in response to my request on XX/XX/2015 for documents to be mailed to me. Guess what, it was another payoff statement. The loan has been paid in full since XX/XX/XXXX. I would find it hard to believe that a company could remain in business and be so incompetent but Nationstar is living proof. And I am not the only XXXX, I plugged Nationstar on XXXX and I read about XXXX letters worse than my situation and I had n't got an XXXX of the way down the page before I gave up. Not XXXX had anything good to say about them. I was going to write the CEO XXXX XXXX but after I saw that XXXX page I figured that he must know how XXXX up his company was, so I came here.

Company response to consumer: Closed with explanation