milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had numerous problems with Sallie Mae starting since 2003. When I enter college, I was lured to apply for several private loans without thorough explanation as to the variable interest rates, and the consequences of their increase over time. Once, I completed my studies I was overwhelmed by student loan debts, and Sallie Mae did not show any flexibility in repayment options. I was emotionally and mentally stressed and I tried really hard to find solutions to repay Sallie Mae. Unfortunately, once I completed college, like most XXXX I needed to find a job. During this lapse of time I told Sallie Mae that I was experiencing financial hardship, yet they show no sympathy to my situation and forced me to repay my private loans. I had to go back to school, and this time to graduate school hoping that I would earn a diploma, which will enable me to find a high paying job. My loans were postponed yet the interest kept increasing. Consequently, when I came out of XXXX school, I was not able to pay my loans back with a meager salary as a XXXX XXXX XXXX ; since that was the position that I was able to find right after school. 
Since I was unable to repay my debt Sallie Mae send my debt to a collection agency, which handles my repayment at this time. Now, I am forced via an automatic repayment taken straight from my account to repay my debts every month, and I 'm only paying the interests of my loans not even the principal amounts. I feel financially defeated! 
Based on my personal experience, I would be very interested in filing a class action lawsuit against Sallie Mae for its innumerable violations of federal and state laws, and for bullying people like me into submitting to their unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid original creditor XXXX after switching phone companies, 1 month later a collection agency named performance receivables adds a collection to my three credit reports. I have tried to communicate with the company on several occasions and it always ends with 3 transfers and getting hung up on. This happened 4 times in succession one day and when I asked about it they chuckled and hung up on me again.

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 05-11-2016 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax Credit Bureau not fully investigating the credit dispute regarding a XXXX XXXX XXXX account. It was returned verified which in fact is still incorrect with the other reporting credit bureaus. 

On Equifax Acct # XXXX status is open, but reports Date of Last Payment of XXXX XXXX, XXXX. On XXXX and XXXX, they both demonstrate the same account above as Closed Status, Collection and Charge off. XXXX reports Closed date of XXXX XXXX, XXXX, while reporting a Date of Last Payment of XXXX XXXX, XXXX with no payment history indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX collection agency contacted me to discuss a claim in reference to my daughters XXXX XXXX XXXX XXXXXXXX I advised them that I was working with dental office and my insurance carrier that the is a dispute between my surgical plan and my dental plan. I advised that they are both pointing the fingers at each other. my company HR representative is also working on it. this is not my fault, its a insurance issue. As of XXXX XXXX, 2017,  theres a 180-day waiting period before unpaid medical debts can show up on consumerss credit reports giving me and my insurance carriers sufficient time to investigate the representative from agency was rude and told me they were going to sue me. 

all 3 bureaus have placed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with LEXISNEXIS (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Lexus Nexus a reporting agency for driving records, has me down as having XXXX wrecks 1 : XX/XX/XXXX and 2:XX/XX/XXXX. after several calls I finally got the right phone number to dispute this. After speaking with them they realized they had a data entry error and was 1 number off on either my social security number or my drivers license number. They said they would put in a dispute for me BUT it takes up to 30 days to correct. Now I ca n't get insurance at a lower rate because of this company. It took them Mila seconds to mess up my record and will take them up to 30 days to correct. It not only happened to me but also my sister and my niece. I 'm asking that you please help me get this correction done sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Male from collection agency came to my mothers home and issued her paper work regarding my debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: It 's nice that consumers can view their credit report once a year for free. But it is not so nice that consumers are required by the credit reporting companies to join their credit monitoring service. Your credit score should not be held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I owed money to a credit card company called XXXX XXXX in XXXX and received a chapter XXXX bankruptcy discharge in XXXX.. since then I have had trouble on occasion with getting loans and have discovered every time It 's disputed they put it back on my report and this to my knowledge is against the law. I HAVE SUFFERED WITH HIGH INTEREST LOANS BECAUSE OF IT. I WANT TO SUE THE XXXX XXXX AND ALL THE CREDIT REPORTING AGENCIES FOR NOT FIXING THIS PROBLEM. I had my attourney try and take it off twice since my discharge and it keeps coming back. I have the same problem with XXXX XXXX XXXX but already collected a small class action settlement from them but if they still refuse to take it off can I sue them directly? I deserve compensation for my troubles and am tired of fighting these bully banks and lazy credit reporting agencies that do nothing to keep truthful information.

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 10/27/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and I have received a fraud alert in regards to the unauthorized and fraudulent credit inquiries listed on my Experian credit report. The following credit inquiries are unauthorized and fraudulent : XXXX, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX Company XXXX XXXX/XXXX/XXXX 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 non-monetary relief
Consumer complaint received 12/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: I requested to see the ORIGINAL NOTE that I signed to validate this debt with Specialized Loan Servicing LLC. They informed me that they only serviced the note. This is not going to work! IMMEDIATELY show me my ORIGINAL NOTE OR FULLY REFUND MY MONEY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Application, originator, mortgage broker

Complaint: I have asked Carrington Mortgage to stop calling me to sell me a refinance of an existing mortgage. They call every 10 days to 2 weeks. Last week ( XXXX or so ) I called customer service directly and asked them to stop with the calls or I would be filing a complaint. Here we are XXXX and I have a message on my machine " Update on my account '' with a phone number to call. I WANT THEM TO STOP CALLING ME! My loan is in good status and was sold to them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I called XXXX on XXXX-XXXX-2017 and informed them I had been denied credit due to there not being a score for me at their company. I was informed that I could get a credit report, but no score until I paid them money. Any resource I look for online for them requires payment. I can not go back to the lenders that say I have no XXXX score with a report with no score. Also as to trying to find out this information and multiple applications to discover the info from all 3 credit bureau 's. My credit report now shows multiple requests and that lowers my score. Remind me how these companies are supposed to be good for the consumer?

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 12-03-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In the middle of XXXX this year, I received a text from the Citicards Fraud Department. I immediately called that department to investigate what was going on. They informed me that there were some charges on my account that 'they ' suspected were fraudulent charges. When I logged into my account on line I immediately noticed that there were XXXX ( XXXX ) charges that clearly indicated that someone used my credit card to pay New Jersey XXXX. I was told by the dispute department that they closed the account and issued a new card. I was told that when my XXXX XXXX, 2016 statement would reflect that these charges would be subtracted from 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 03/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion has failed to give me investigation result.

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 12-04-2017 about Mortgage (Conventional home mortgage) with NVR INC. (OH).
Issue: Closing on a mortgage

Complaint: When building our new home my husband and I decided to work with the mortgage company recommended by our builder, NVR Mortgage. Overall the process was not smooth but in the end we closed on our dream home in XXXX 2015. Immediately after closing our mortgage was sold to another company. Last week we received notification that we had an escrow shortage of {$10000.00} and that our monthly payment was going to increase by over {$500.00}. After reviewing our closing documents and discussing with family and friends we discovered that the good faith estimate of our property taxes provided to us was fraudulent. Our property taxes were estimated to be only 1 % of our home value. Upon further research, standard in the business is an estimate of 1.5 %. Our actual property taxes are 2.12 % -- this information would have taken less than a minute to obtain by anyone preparing a good faith estimate. When making the decision to purchase our home we trusted the numbers that were quoted to us and were not told that this was an estimate. We were told that this will be your payment. 
I work in the medical field and make decisions on a daily basis that affect people for the rest of their lives. This is not something that I take lightly. The grossly inaccurate good faith estimate that NVR mortgage presented to us will affect us for the next 30+ years. Medical malpractice is an act or omission by a healthcare provider which deviates from the expected standards of practice in the medical community and causes injury to the patient ''. NVR mortgage clearly deviated from the standard of practice when providing our quote on property tax. We would not have purchased this home if we had known what our actual payment would turn out to be. We now owe {$10000.00} and our monthly payment will be increasing by over {$500.00} per month. We are devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Taking out the loan or lease

Complaint: In XX/XX/XXXX my ex spouse and I were purchasing a car, where GM financial required me to co-sign on the loan. In XX/XX/XXXX we split and I called GM to take my name off of the car loan as I was not a primary borrower. For a while account was not reporting on my credit but my ex let the loan go and the car was sold out at the auction. GM tried to go after me for a balance as they claim and up to this date they are harassing me with calls and letters trying to collect on the account which is NOT mine. I requested a validation of debt and they fax me a copy of XXXX stating that debt was a charge off and they filed a XXXX in my exs name. However, they are trying to collect on this charged off, cancelled debt from me in the amount of {$12000.00}. I disputed this account with all XXXX credit bureaus, however GM is still reporting this account with outstanding balance, which is hurting my credit report in a major way. They are refusing to report the balance to be {$0.00} even though it is a charged off, and cancelled debt with XXXX filed to IRS, and they are refusing to remove this account from my credit report, which it should not be reporting in first place since I was NOT a primary borrower on this car loan. I have written XXXX letters to GM by now and have called several times and all my cries and requests for deletion of this unfairly and un accurately reporting account went ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (ME).
Issue: Settlement process and costs

Complaint: I bought a double wide trailer in a park and got financing from XXXX in XXXX. It has a very high interest rate of 14.9 %. I am try to refinance before it gets 15 years old because I can not get financing with credit union after that. I am pre approved for financing or to buy another home. The problem is XXXX now Ditech has XXXX XXXX liens on the property XXXX. The new lender has asked at least 3 times for them to release the first lean, I have also called several times on this. We keep getting same answer, they will terminate the lien once they receive payment in full. The new lender or any other bank will not give Ditech any money while they have XXXX liens on the home. The first one should have been terminated. Therefore, they are preventing me from refinancing or selling the home. 
This has been going on since XXXX XXXX, XXXX. I want to do a payoff but they will not terminate XXXX of the XXXX filings XXXX. Clearly you can see on these XXXX 's that the secured parties on XXXX are XXXX. I should only have XXXX lien. I need to get out of this loan because it is a simple interest loan and I owe more for the house now than I did when I bought it.

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 06/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After XXXX letters mailed to Transunion via certified mail they have not corrected the information that is being reported. Transunion has had well over 90 days and several letters containing correct information and they have not done any investigating or reinvestigating.

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 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/17 I payed in full the {$180.00} owed. I have contacted them several times asking when it would be removed from my credit report, they stated 30 days however it is now going on 36 days and still has not been removed. I spoke to a 'supervisor ' and was informed that it will be removed the first week in XXXX. Why do I have to wait this long for it to be removed if I have paid in full and settled it over 30 days ago?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am in total disgust, distressed and livid at the fact that your company is reporting an error on my credit file. Ive sent 10 certified letters in for this account alone. I believe that this account is reporting fraudulently whether your company is placing it or whomever. This is my final letter to remove this account off of my credit file immediately and permanently. I am allowing 72 hours for the investigation of this account, and I am demanding that this error/fraudulent account is removed. I will be following up within a few days. I have attached a few documents. After your response I will be taking legal actions upon your company for placing errors on my account. I am a victim of identity theft and my file has been tampered with. Your company is the reason for weird accounts reporting on my credit file.

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 08-10-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Below is information this is INCORRECT on my credit report. When I first moved back to FL XX/XX/XXXX I had signed up for XXXX XXXX for my TV, Phone and Internet. After having their HORRIFIC services for ONE week I called and cancelled, and asked that they come and REMOVE ALL THEIR EQUIPMENT, which they DID DO!!! However, they have harassed me for 4 YEARS about this so-called balance WHICH I DO NOT HAVE w/ them. I 've called, written & emailed them, as well as the Collection agency, but to NO AVAIL. I OWE XXXX {$0.00}, NEVER HAVE AND STILL DO NOT!!! The details of this ERRONEOUS REPORT are below. Please advise. 
Thank you. 
Last Reported XX/XX/XXXXCollection Agency XXXX Creditor XXXX XXXXStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Settlement process and costs

Complaint: In case # XXXX, SPS still insists that XXXX made a " protective advance '' in paying off my XXXX mortgage, and I still maintain that I was in no danger of foreclosure by XXXX XXXX ( in fact, I had arrangements to bring the mortgage current ; XXXX was very helpful when I was dealing with the financial impact of XXXX XXXX ) so that what SPS calls a " protective advance '' was in fact a payoff that was not in keeping with the terms of my note. 
SPS offered to discuss a tender amount required to complete a rescission transaction, which I would be willing to discuss except for one point that SPS points out that a rescinded transaction is designed to bring both parties to a state as if the rescinded transaction had not occurred. My question is how do you plan on reinstating my mortgage with XXXX or how do you plan on bringing me back to that state? You ( actually XXXX ) created this situation by arbitrarily paying off XXXX, so how do you plan on bringing me back to my original state? If XXXX had done the transaction legally with a right to rescind ( and also, by the way, if they had provided TIL and RESPA documents to make the transaction legal as far as paperwork although it would still be in violation of the terms of the note ) I would not be asking this question. 
In other words, your offer is really not an offer at all, unless you can do what appears to be impossible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation