milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I originated a mortgage with Guaranteed Rate. The close date was XX/XX/XXXX, or XX/XX/XXXX. My mortgage was then transferred to Freedom Mortgage. I have my homeowner 's insurance and property taxes escrowed into my monthly mortgage payment. I currently have a escrow balance of around {$4800.00} at Freedom Mortgage. My real estate taxes were due XX/XX/XXXX to the city of XXXX, Michigan. They have not been paid, and penalties and interest has accrued. The total tax bill that is currently due is around {$2800.00}. 

I first found out that my taxes were not paid on XXXX XXXX, XXXX. I just found out from Freedom Mortgage that the estimated payment date is going to be XXXX XXXX. The problem with this is that the City of XXXX is going to transfer my property taxes to XXXX County and a lien will be placed on my property. This is going to happen on XXXX XXXX. 

So, this is a very serious situation. I can not have this happen. I have been speaking to someone directly at Freedom for the past week. Her extension is XXXX. She said they escalated it to their claims department, but I can not get any further idea when it will be paid. I told them that my property taxes will be transferred to XXXX XXXX, Michigan on XXXX XXXX, but I am getting nervous as to if it 'll be paid. 

Please find something out or see if you can do anything to escalate this. 

My contact information XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Cell : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I thought there was fraud on my account so I set up some additional security measures. I have the paper with the back-up info in my safe but I got rejected for a credit card today and my score is like 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 08-08-2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was in the process of getting a VA refinance on X/X/2017 to pay off bills that my wife and I have accumulated and I attempted to find out the true amount and negotiate to pay off in cash a lower amount than stated. Either the collection company Transworld Systems Inc. or the XXXX XXXX, has already garnished two IRS checks and has not given us credit for this amount it has garnished after repeated attempts to get a bill or statement stating what the true amount that is rightfully owed after the garnishments. Even though I tried to negotiate a payment for the true full amount because of this fact, they would not. The amounts supposedly owed to them have gone up by thousands of dollars each month. These are loan sharking tactics. When I called the company that I owed money to, they gave me a lower amount owed but when I contacted the collection company they are asking for XXXX or more dollars over what I actually owe. Trying just to talk to the collections company was an ordeal in itself. They referred me to different departments and in the end after trying to negotiate with a person named XXXX XXXX, he gave a number to call which was the same number that I first called, and wanted me to contact someone else using the same telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit reporting institutions have false information about an account status that was paid off and account closed. When I reported here, the XXXX credit reporting institutions, namely ; Transunion, XXXX contacted the creditor, XXXX. Instead of correcting the account record, on XX/XX/2016, Transuion put my account into delinquency till a Law Firm I engaged complained TransUnion improved the account on XX/XX/2016 but retained the delinquency record on my report in addition to reporting that I still owe XXXX whereas not. All the said XXXX credit reporting institutions still maintain this balance. This has caused me to suffered gross financial and investments loss which instance my Attorneys are handling. I have kindly attached my XXXX account as proof that I owe them no monies as of XX/XX/2016. TransUnion should remove its delinquency report without much ado and all the XXXX credit reporting institutions should make the necessary corrections and indicate that the account was closed on XX/XX/2016 on payment in full of balance then.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TODAYS XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 06-07-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016 I transferred money from Bank of America to Bank of America XXXX XXXX to create a XXXX Savings Account. A mistake on their part led to the account being canceled. Despite repeated calls to BOA XXXX Accounts, a visit to my local BOA branch and assurances that my money would be returned, I can not get Bank of America to return 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 01/19/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX XXXX is reporting late payments to several of my student loan accounts. During the time late payments are reflecting on credit report my student loans for in forbearance due to financial hardship and loss of employment. Late payments are inaccurately reported with credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting XXXX inaccurate items on my credit report and has refused to resolve the issues. 
First is a bankruptcy report that should have been removed 2 years ago when both XXXX and XXXX removed the reported information from my credit reports as the reporting requirment for this item had passed and no longer should appear on a credit report. 
Second Equifax is reporting a collection report that is not mine I am currently a XXXX XXXX member in good standing and do not have any collections against me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Struggling to pay mortgage

Complaint: I have complained 4 times regarding Bank of America, since my complaints I have resolved my payment problem, however they did not resolve it but I did. I applied for the Home Saver Program with the State of NJ and pursued that option until I finally got the money to bring my mortgage up to date. I am now trying to do a modiffication since my account is current but the bank will not give you that unless you are delinquent. This is a no win situation you are damd if you do and damd if you dont. I will never recommend BOA to anyone that is looking for a mortgage, they do not care about their clients. I want this agency to change their practices and help people instead of degrading them.

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 06-12-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, XXXX I first became aware that I am a victim of identity theft. I have since pulled my credit files from all XXXX major bureau 's ; Experian, XXXX and XXXX. I have also since been disputing a large number of trade lines with all including Experian. At this juncture, I need to dispute my last fraudulent information reporting on my Experian credit report. Apparently, in XXXX a bankruptcy was filed in someone else 's name and contact information while utilizing my social security number and date of birth. Here is the following information that is showing on my credit file as of XXXX XXXX, XXXX : CHAPTER XXXX BANKRUPTCY FILED : XXXX/XXXX/XXXX CLOSING DATE : XXXX/XXXX/XXXX REF # : XXXX On multiple occasions I have forwarded the necessary proof of XXXX my identity and my current address to help Experian expedite disputing and subsequently successfully removing these erroneous accounts from my credit file. I am again attaching my drivers license, social security card and current bank statement accordingly. 

Thank you for your help up to this point! 
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 11/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have asked XXXX to investigate late payments showing in my report, and the only thing that I get as a response is that they can not honor my dispute for lack of information when I have send out XXXX dipute letter specifically requesting to investigate the accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When I submit a payment for my student loans on Navient 's website, I receive the standard email confirmation and, a few days later, I receive a follow-up email stating " Your recent payment has posted to your loan ( s ) ''. Several days after the XXXX email - now well past the payment due date - I receive a XXXX email stating I am late on my most recent payment. 

Looking into my payment history on Navient 's website, my payment was reversed ( for reasons Navient did not bother to explain ) on the same date that I received the initial payment confirmation email. This contradicts the XXXX email stating a payment was posted to my loans, which I would assume would only be sent if the payment was successful. I received no notice whatsoever that there was a problem with my payment. I had to figure that out on my own after receiving the XXXX " late payment '' email. This has happened several times in the past year, causing me to be late on a handful of loans even though I submitted payments well before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: BBVA Compass is refusing to do an investigation for an ongoing dispute lasting several months. I have two unauthorized debits that I have brought to their attention that they are inwilling to investigate. I have been calling their customer service, fraud departments and have sent mail to their headquarters. Now they are claiming that I waited too late so I can not ask for a refund. If they actually investigated when I brought it to their attention ... .it would have easily been within the timeframe. So I filed an ID theft affadavit and a police report so they could not deny seeing it. In case it seems hard to believe, this exact same thing has happened before. I had to file a police report and a cfpb complaint another time because BBVA went SIX YEARS without investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Between XXXX XXXX and XXXX of XXXX I was XXXX of hundreds of millions of Americans whose data was leaked by Equifax. This is an unacceptable breach of trust from a company that I did n't voluntarily engage in business with.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I have a   bankruptcy showing on my credit report with Equifax. I filed a dispute on Sunday  XX/XX/XXXX  to have it removed. They show the investigation was completed on  XX/XX/XXXX  and they said they verified the correctness of what they were reporting through   XXXX   XXXX  . I contacted   XXXX   XXXX   about this and they did an investigation to check the validity of the bankruptcy and I received notice in XX/XX/XXXX that   XXXX   XXXX   had removed the bankruptcy from my national credit file with their company since they could not verify the bankruptcy. I then filed disputes on XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and all of these disputes were to get Equifax to remove the bankruptcy from my credit file since the third party company they use to verify the information had deleted the bankruptcy from my file with them. All of these disputes came back with the same response : The Results Of Our Reinvestigation Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor,   XXXX  
  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   GA   XXXX     XXXX   XXXX   XXXX   > > > We have reviewed the bankruptcy information. Case or ID #  XXXX  The results are : We have verified that this public record item is reporting correctly.
I find this kind of odd because I received a letter from   XXXX   XXXX   dated  XX/XX/XXXX  which was shows there was no bankruptcy on my file with them. My dispute with  Equifax  dated  XX/XX/XXXX  yielded the same response fro m Equifax a s all the other disputes. I then on  XX/XX/XXXX  filed another dispute with Equifax to have them remove the bankruptcy. I pulled my credit report from Equifax on  XX/XX/XXXX  and it shows the bankruptcy was still there but they had changed the updated date of reporting to XX/XX/XXXX . I called the Equifax automated system on XX/XX/XXXX and it stated that the investigation was completed on XX/XX/XXXX . Again I find this ridiculous that they did not remove it this time as I uploaded the letter from   XXXX   XXXX   that I received in  XX/XX/XXXX  stating that they had removed it from their records and I also upload the report that   XXXX   XXXX   sent me dated XX/XX/XXXX  showing that their were no bankruptcies listed on m  y credi t file with   XXXX   XXXX   ( company Equifax us  es to verify public records )

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 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: violation of hippa and cra inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX I have made more than the payment amount, but it has not been added to the outstanding principal as requested. Instead the mortgage companies push back the payment date which allows the outstanding balance to accrue interest. Which keeps my balance high.

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 12-01-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing hard inquires on my credit report because this is fraud and does not belong to me. 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 non-monetary relief
Consumer complaint received 06/29/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Bankruptcy

Complaint: I filed bankruptcy in XX/XX/XXXX, and it was discharged in XX/XX/XXXX. I had a platinum card with American Express that was included in the filing. I have been fairly successful rebuilding my credit, but each time I have tried to get a card with AMEX, even a corporate card, I was denied due to having an outstanding balance. When I have called in to inquire about my denial, they have indicated that I could get a card, if I paid off my old balance. That does n't seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Payday loan () with Big Picture Loans, LLC (WY).
Issue: Can't stop charges to bank account

Complaint: XXXX The pay day loan company keeps charging my account even though I have paid more than the agreed amount and they hang up on me when I try to call them and find out why. They always put me on hold and hang up the call. I have paid {$50.00} over the agreed loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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 received an alert that my credit report had changed in XXXX. I found that XXXX XXXX XXXX reported a delinquent account with Experian. I contacted XXXX XXXX  XXXX and they agreed that I had never ever had an account with them. I then reported this to Experian and disputed the account and charge. Two days ago I received the report of their investigation and it said that nothing changed due to the company reporting things correctly. This is totally false and I 'm not sure they even talked to anyone from XXXX XXXX XXXXXXXX because I have talked to three people and none of them were able to find an account with my name and numbers on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Ive been with my partner since XX/XX/XXXX-XX/XX/XXXX. 
Lived with him, we currently have same billing address, same home address on my drivers license, etc I moved out XX/XX/ from XXXX XXXX, not feeling safe and my belongings were missing and he started disputing charges on my XXXX   account and anything from our relationship ... who knows what else when I left ... 

He lent out his cards and gave permission to use it and gave me his pin ... he was present at the times of the purchases. He told me his pin, birthday, the numbers etc. Years of approving until I moved out XX/XX/. Hes stating that its fraud, unauthorized transactions with his space coast union credit bank and discover cards. Clearly, theres been many transactions where hes bought airline tickets for me and him, transactions from XXXX throughout the year, stores, nail salons, etc ... with the same cards. Never once did he dispute anything until I left. Now Im supposed to pay for his chargebacks on my XXXX  account. 
I have evidence we were together ( emails and texts ) and many witnesses including his son that he let me use his card.

Company response to consumer: Closed with explanation