milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Quality Loan Service Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have already submitted a complaint regarding Alleged Mortgage Servicer " XXXX XXXX XXXX ''. This is a separate complaint regarding the same company as I have recieved documents from a Trustee indicating that the XXXX parties are involved in conspiracy to break the law : Most immediately, Quality Loan Service Corporation XXXX XXXX XXXX has informed me that they will be engaging in a non-judicial Foreclosure while at the same time Select Portfolio Servicing is humoring me in the loss mitigation process. This indicates that XXXX or XXXX parties are engaging in the crime of dual tracking. Ironically, this falls on the heels where I have been proactive in threatening a lawsuit against XXXX for various violations including a complaint failure to answer a Respa Qualified Written Request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian is reporting an account that does not belong to me from New York Federal Count. I sent a letter ( image is attached ) to the data furnisher that has been returned as undelierable.

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 05-07-2017 about Debt collection (Other debt) with ERC (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On   XXXX   XXXX   I did a pay to delete letter with ERC they cashed the check but the deal to cash the check was to delete from all credit bureaus since the debt was n't mine. They cashed the check and did n't uphold they end of the bargain

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that violated the rights of the consumers under section 6.11. As a result I, have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that all inquires be removed. 

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 XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX XXXX ( 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 explanation
Consumer complaint received 12/21/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I acknowledge receipt of JPM letter in response to claim # XXXX regarding JPM 's failure to disclose the type of loan they were granting and whether or not I had options. 
In search for reducing my monthly payments and since JPM was my current lender at the time after refinancing my loan in XX/XX/XXXX, I approached them to inquire about the loan rates ( since I had noticed that they had been going down ) and shared my need to reduce my monthly payments. I recall the rates to be below 4 % ; however, this was not granted to me indicating that they were not available or something,,,, Chase letter seems to indicate that they did a great job by reducing the rate ; however, in order to reduce XXXX bps of the rate, the loan term increased from 20 years to 30 years after having paid closing costs 2 years before as JPM refinanced my loan in XX/XX/XXXX. Original loan was obtained thru XXXX in XX/XX/XXXX. The loan amount also increased due to new charges,,,, all in all JPM fails to indicate that the refinance did not in effect reduce my debt but rather increased it in every way by total amount of debt and term! 
JPM failed to explain, at the time, that there was a special program from which I could benefit and/or I could go to a different institution. 
Although the documentation presented to me indicates that it was a HARP loan,,,, THIS WAS NEVER DISCLOSED TO ME!! 

I needed to reduce my monthly payments and accepted the terms because I WAS UNDER THE IMPRESSION I HAD NO OTHER OPTION,,,, should JPM would 've been forthcoming with the correct information, JPM would 've complied with its fiduciary responsibility to provide a non discriminatory loan which I certainly feel that it was not the case. 
Furthermore, the malice intent, in my mind, further lies on the fact that JPM 's representative continued their failure to effect proper disclosures by not even leaving signed documentation at closing and later continue to indicate that JPM does n't sell the loans only provide full disclosure of note holder when I press for a copy of the note. 
I have never been late with my mortgage payments and have always tried to pay extra in an effort to reduce the loan as much as I could, even during very financial difficult times. JPM needs to look at their records thoroughly. 

I do strongly request that JPM make it right by reversing the rate to what it should 've have been. 

I need copies of all the signed closing documents for this loan. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 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: Account status incorrect

Complaint: The three credit Bureu still showing all accounts closed, paid in full, also have student loan closed due to my XXXX, please somebody help me I am so tired to leading with this problem. 
Cause me hard time and disappointed in my life. 
I need my credit back. 
Thank you very much 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 explanation
Consumer complaint received 10-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In 2007 I wanted to convert my consolidated stafford loans to direct federal loans so that I could qualify for the public service repayment program. I was told by Sallie Mae that I could not reconsolidate the loans and was not ( and would not become ) eligible for the repayment program. I have found out recently that my loans were in fact eligible for reconsolidation. Now I have paid for another 9 years and have made no progress toward qualifying for the PSLR program. I have worked for a qualified 503 ( c ) for my entire 18 year career.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called the police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am in the process of purchasing a second home and the loan from my current home is showing late payments and inaccurate information regarding a bankruptcy that i had in XXXX, it shows Bankruptcy was in XXXX. There has never been late payments for this mortgage and bank of America wants me to fill out reaffirmation paperwork which is not allowed in the state of Arizona. Since this loan was not reaffirmed after the bankruptcy it is not even supposed to show up on my credit reports. XXXX and XXXX do not show this but XXXX is showing this inaccurate information. I have spoke with XXXX and they have filed a dispute for me, but Bank of America keeps wanting me to hire a lawyer to reopen my bankruptcy to fill out reaffirmation paperwork but my lawyer says that is not possible. Bank of America states that I have made all my payments and on time but seen to be dragging their feet in correcting the matter. I have been on a 3 way call with them and XXXX but no resolve to the situation. Time is of the essence since I will lose the house and my earnest money on XXXX XXXX if this is not removed from my credit report with 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was included in the customers who had sensitive data stolen due to improper and insufficient security protocols at Equifax. Identifying information that could be used to commit fraud against my person was not properly stored or protected, making such a breach easier than it should have been. 

Despite the inadequate security protections, Equifax has not approached the situation with clarity. They have continually utilized improper IT security measures in their response, further exposing affected individuals to the loss of sensitive information. 

It has come to light that Equifax senior management knew of this breach for months before notifying the affected individuals. Instead of informing individuals of what transpired, Equifax management instead decided to illegally offload holdings in the company before public disclosure of the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Payday loan) with Alliant Capital Management LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls for the last XXXX years for a XXXX XXXX ( not me ) about a payday loan. I have asked - repeatedly- to remove my number from their data base, I have received threatening calls, harrassing calls - this is not nor has ever been my debt

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CAVALRY/XXXX refuse to delete an outdated, incorrect account associated with a divorce dispute from my various credit files which has had a {$0.00} balance as of 2010.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2017 about Debt collection (Credit card) with CITIBANK, N.A. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I know i paid on the card when i had it and i believe the amount owed is wrong.

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 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
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: Back in XX/XX/XXXX-XXXX 2015 I had a major loss and sick ness and I fell into a financial hardships ... I fell behind on both of my capital one credit cards ... I wrote them to advise them of this and asked that they remove the late payments as a goodwill ... being that I have been on time ever since ... they did n't take in consideration of the entire process and flat out denied my request ... .I have 2 credit cards with them and they sent me the same denial for both.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: They have a previous address on my credit report that I never lived in or ever had is my address I 'd like to know all available prior addresses that are on file so I can verify which ones are correct and which ones are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (I do not know) with Allied Interstate LLC (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Th e Allied Interstate, LLC, its e mployees, agents and servants are repeatedly calling me at home, cell phone and work place, and harass me for debt and or the individual I do not have any clue. In the past the individuals of  Allied Interstate, LLC  were repeatedly informed not to call me for a debt I do not have any connection. On or about    XXXX   XXXX   XXXX       Allied Interstate, LLC,  its employees, agents and servants called my work place, spoke my supervisor and  administrator  and threatened to take action for the same debt I do not have any connection.   I have requested to Federal Trade Commission and Consumer Financial Protection Bureau , ( Cfpb ) a nd requested to take action against,  Allied Interstate, LLC,  for this fraudulent debt, in violation  of 15U.S.C .  1692e ( 2 )  ( A ), threatened to take an action that can not legally be taken or that it did not intend to take, in violation  of 1692e ( 5 ),  and used a false representation or deceptive means to collect or attempt to collect a debt, in violation  of 1692e ( 10 ).     Allied Interstate, LLC a nd its alleged clients unknown to me were involved in Unfair, Deceptive, or Abusive Acts or Practices, ( UDAAP ) in Collection of Consumer Debts, and failed to comply with any obligations they have under FDCPA, in addition to any obligations to refrain from UDAAPs. Under Dodd-Frank Consumer Protection Act ( Dodd-Frank Act ) , Allied Interstate, LLC  and its clients are legally required to refrain from committing, UDAAP.    Allied Interstate,  LLCs UDAAPs caused significant financial injury to us as consumer, erode confidence, and undermine fair competition in financial marketplace.    Allied Interstate, LLC under Dodd-Frank Act invo lved in collecting debt related to any consumer financial product or service are subject to prohibition against UDAAPs in the Dodd-Frank Act.  See Dodd-Frank   Act, 1002, 1031 & 1036 (  a ), codified at  12 U.S.C. 5481, 5531 & 5536  ( a ). It is prohibited for any person, to knowingly or recklessly provide substantial assistance to a covered person or service provider in violating sectio n 1031 of the Dodd-Frank Act. See 1036 ( a ) ( 3 ), 12U.S.C. 5536 ( a ) ( 3 ).

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 03/27/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a XXXX for XXXX from SLS for a loan that was foreclosed in XXXX/XXXX/XXXX, SLS was the second trust deed holder on the property. They did not make an offer at the sale and continued billing, me until the end of XXXX, even after numerous conversations with thm that the property was foreclosed in XXXX. According to Idaho law they had 90 days to do a deficiency judgement against me, but they did nothing. The property reverted back to the 1st trust deed holder on XXXX/XXXX/XXXX for {>= $1,000,000}, which was the balance of their loan. I need SLS to to correct the XXXX C, which they have sent me a letter that they would n't, I will include the letters and information following.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX Closed :XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XX/XX/XXXX Can send these in as well once I get them scanned.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I called Transunion at XXXX on XX/XX/XXXX and Spoke with US Representative named XXXX. I phoned Transunion because between XX/XX/XXXX and XX/XX/XXXX and again between XX/XX/XXXX and XX/XX/XXXX TransUnion experienced a database computer glitch. When the glitch occurred it caused my inquires to be deleted from my report. The glitch was TransUnion 's problem, not mine. Later when checking my credit I noticed TransUnion illegally reinserted all of the inquires back onto my credit report without giving me the legally required written notice within five days prior to them reinserting the inquires. I contacted TransUnion in good faith and requested they delete the inquiries that had illegally been reinserted without proper written notification and in violation of FCRA. Not only did XXXX refuse to delete or even investigate, he instructed me to contact the creditors directly and have them write me an inquiry removal letter and then send it the TransUnion. The inquiries that have been illegally readded has caused a hardship and is making it difficult for me to get a pre approval for a home loan. My rights have been violated byTransUnion. Im filing this claim to beg for your help, please make TransUnion stop victimizing me and others.

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 08/21/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Problems caused by my funds being low

Complaint: Suntrust Bank has consistently reordered my transactions to charge me multiple NSF Fees. These small transactions were not showing as pending but as posted as early as 2 days before the charges were added. I had XXXX check outstanding and this was somehow placed before the other transactions so NSF fees could be charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with U.S. BANCORP (OR).
Issue: Closing/Cancelling account

Complaint: I 've had XXXX cards with US Bank and their subsidiary Elan Financial for several years : Account XXXX XXXX XXXX XXXX Account XXXX 2000 XXXX XXXX Account XXXX XXXX XXXX XXXX My accounts have ALWAYS been paid on time, and I usually would pay off the balance each month. My credit history is perfect with a 10 % or less credit utilization and a XXXX+ FICO credit score. 
I recently requested an increase on my credit limit so that if I make a large purchase it wo n't take more than 10 % of my credit line and hurt my credit utilization, in turn hurting my score. 
Instead of just declining my request for an increase, they responded stating they were closing all three of my accounts immediately because they said I have enough cards open and too many inquiries. 
I responded asking them why they could n't keep at least my oldest cards open, ( and/or just not get an increase, ) when I 've never been late, always pay my balance off, and have a great history and very low utilization between 0-10 %. 
I told them over half my accounts are just store cards like XXXX or XXXX where you get XXXX % off for purchasing with the card ; then I pay off the statement balance when received. I never keep a balance on store cards and just use them for their store discounts. 
Despite my pleading to keep at least my oldest account open, they 've closed all XXXX cards. 
This has hurt me as a consumer by lowering my overall credit history 's " age of accounts '' as well as decreased the available credit, in addition to deleting all the award points I had accrued in using their cards over the years. 
If I had been late, over limit, or high credit utilization, then I could understand the closure of my accounts. However I 've done nothing and would like them to reopen all, or at least my oldest 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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a hard inquiry from XXXX on XXXX XXXX. I do recognize the inquiry and did not authorize 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 explanation
Consumer complaint received 01/19/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC ().
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated from XXXX XXXX in XXXX XXXX Illinois, for XXXX in 2012. After I graduated I began making payments to XXXX. The school did help me find a job, but the job was not for what I went to school for. I was working for a XXXX, instead of working in a XXXX. My monthly payments started affordable, and then went up to almost {$200.00} a month, where I would fall behind. When I did fall behind, they transfer my loan to another company called University Accounting Services, LLC. Where my monthly payments were still high to catch up.

Company response to consumer: Closed with explanation