milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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 contacted Experian again as well as opened disputes with XXXXXXXXXX and XXXXXXX ( been multiple times ) to inquire about a dispute with an item on my credit report. I have previously disputed this item, and multiple times it has come back as verified and accurate without a deep investigation or any explanation as to what was given as documentation to verify the debt listing is correct. On the call yesterday with a representative XX/X/2017 I asked the representative to reopen another dispute into a XXXX XXXX listing as it is not reporting a correct listing and I asked her what is the dispute process. She stated that agency will ask the creditor if the debt is accurate and as long as they say/certify that the listing is right then they will leave the listing. The creditor has to provide them with no documentation showing proof. FCRA states that lawfully Experian, XXXXXXX and XXXXXXXXXX must provide the method of verification as well as who the furnisher was who verified the information. Im having this issue not only with the XXXX XXXX account but also with some inquiries on my report. I 'm requesting a through investigation of these items and when complete I would like method of verification and who the furnishers were so that I can make direct contact. If these things can not be provided I request that they be removed from my credit report promptly.

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 10-10-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Please see the screen shot stating my credit report was pulled on XXXX XXXX and I have not applied for anything. Equifax has destroyed my credit report as I have mode a number of complaints and they are still adding additional information on my report. I have attached a screen shot of the latest error on my report. Please have Equifax to remove this inquire " XXXX '' ASAP! This is just one of many issues I have complained about. 

Also, please see that on XXXX XXXX Equifax stated I had an address change and that is not true every since then I have number of bad accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: This compliant is related to CFPB CASE XXXX AND TO PREVENT FORECLOSURE SCHEDULED ON XXXX XXXX, 2015. J P Morgan Chase Bank purchased Washington Mutual. Home Owner of Property servicer XXXX XXXX XXXX reported to be the servicer of XXXX XXXX XXXX. XXXX XXXX XXXX denied being lender. XXXX XXXX Bank reported XXXX ( loans service by others a department of XXXX XXXX XXXX was the actual lender. XXXX XXXX XXXX denied any department exist in XXXX XXXX XXXX. XXXX XXXX XXXX is foreclosing of home owner without proof of ownership. Chase Bank reported XXXX XXXX XXXX is lender but has not provided document of purchase, document of sale, document of notice of servicer transfer and document of FDIC LOAN PURCHASE. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX continue to threaten home owner with foreclosure of property without any proof of foreclosure deed and deed under power. No validity of signature of documents but robo signers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Ive disputed four accounts with this company and they refuse to delete incorrect accounts. Ive even provided letters of deletion to the credit bureau advising to delete info and they refuse to cooperate

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I attended XXXX College from XXXX till XXXX. I was diagnosed with XXXX in XXXX XXXX and had to take XXXX months off for XXXX, I started back at XXXX college in XXXX XXXX. XXXX made me take a private loan out with Genesis in XXXX XXXX because they said I owed them. I was always on time with my payments. then XXXX XXXX, XXXX XXXX college who are owned by XXXX college just out of nowhere closed. I dont feel that I should pay the loan that XXXX made me take out with Genesis. I am a XXXX. I have no income and I was tricked into taking a loan out so XXXX can take more money. I am very upset and feel that my loan that heald used was a fraud and It needs to be cancelled cause heald just closed and left everyone hanging.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Park View Credit (NJ).
Issue: Fraud or scam

Complaint: credit was to be repaired for myself. the contract included for me making payment, my debts will be paid and my credit score will increase. I received a call from a collector, I tried calling PARK VIEW CREDIT and the line has been disconnected. unable to reach them, I am reaching out to you for assistance

Company response to consumer: Untimely response
Consumer complaint received 08/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent Equifax a dispute via certified mail on XX/XX/XXXX they received it on XX/XX/XXXX as of today, XXXX, they have yet to notify my about status of my dispute. when I get on their web site to check status, it says ( dispute date XX/XX/XXXX -- -- -completion date XXXX ), but when you go to results, there nothing there. as it has been over 30 days I have tried to call, but ca n't get a real person on phone. dispute is about reporting of child support. I contend that said child support should be removed as report date is over 15 years ago, ( XX/XX/XXXX ) ..I also called the state of Missouri, as this is where these XXXX child support cases come from. Missouri says that they are NOT reporting this as it is not their policy to do so on cases this old, especially since we made payment arrangements years ago, as they have been garnishing my pension and social security each month. my obligation with Missouri, per our payment agreement will paid in full by XX/XX/XXXX. it was my request to Equifax , that these XXXX items be removed, as they are over 15 years old and that these cases are closed. I have been working hard to resolve this matter with Missouri, and with all parties involved as I have been trying to repair my credit score, due to XXXX broken relationships, a few bad decisions on my part. please have them remove, as the way I read the guidelines, that these should have been removed long ago. I am no lawyer, so this is why I am turning to you for help. a person should not be persecuted for a few financial hard times out my control, such as layoffs, injuries, ect. the damage has been done, but years of reporting old cases by the credit reporting companies, serves no purpose but to keep a persons numbers down, so that banks and other loaning institutions may jack up interest rates. looks like coercion to me ... ... thanks

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint pertains to a previously made complaint case number : XXXX filed on XXXX XXXX, 2016. Today I have been trying to access the response on your website because the account has been disabled. During this past week I had a phone conversation with your office during which time they read the response offered by Ditech. I submitted an answer to their response on the following grounds : 1. their answer did address the money over and above my regular monthly payment which was paid over the course of approximately one year to reduce the principle. 2. my son, who has a XXXX became involved after multiple calls to Ditech to address our concerns was not satisfied. We were constantly shuffled around and told we would receive a call from a " supervisor ' that never happened. My son was able to procure an exel spreadsheet not shared with us before. My son and my wife both heard the ditch employee state that it looked like " the account numbers had been reworked numerous times and it did n't look normal ''. We are in possession of this exel document. There was {$7700.00} in " suspended balance '' that was never applied to the principal as intended. This amount suddenly disappeared in our most current statements. They answered that the money was reapplied to the principal. the principal on our statements has clearly not reflected this money. At the very least, they have forced us to pay interest on an inflated principal. Please note that if we are not addressing this with the correct department, we would appreciate a direction in which to go. Ditech will not meet with us because they say " they have done away with personal meetings ''. They have told us a supervisor would contact us in 6-10 days on at least 2 different occasions and now 6 weeks later, we are still waiting for the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Other debt) with Merchants and Professional Bureau, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a high school ring for my daughter from XXXX company in XX/XX/XXXX and I was set up on payment plan. I was late, and made final payment in XX/XX/XXXX. 

I never received notification or reminder about payment, however I understand it was still my responsibility. In XX/XX/XXXX I received a text on my phone that the ring was going to be delivered to the high school. I sent a text back asking questions because i knew it was not paid in full. XXXX XXXX confirmed this with emails. I finally received a mail to my home stating I had a outstanding balance and i was already send to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I tried to resolve this through XXXX XXXX who is their executive account for XXXX XXXX, he said he could not help me and referred me to XXXX in collections department. I asked XXXX to help me resolve this problem, and she referred me to XXXX XXXX XXXX XXXX XXXX. I called them today and spoke to XXXX XXXX. I told him what had transpired with XXXX and told him I had receipts from XXXX and he said XXXX has been their client for many years. Because he had me under my maiden name he still needed proof and was still sending to the credit beau in a few weeks. I explained to him that XXXX did not have my correct email address on file, and could not help me any further. I asked for email address so I could send him a copy of final receipt from XXXX stating the balance was paid in full. He did give me an email address and I send him copy while I was still on phone, he said he try to check since that is not his department. At the end of the day, I felt I received no help, and Merchants could not do anything because XXXX has been their client for many years. 

I am being sent to the credit beau and this account has been paid in full, among other things that have taken place with XXXX, for one they did not have correct email address. Second, anyone I communicated through email at XXXX referred me to different departments. Third, They sent me confirmation they had record of account being paid in full, but yet, they could not help me and I was again referred to Their collections department to speak with XXXX who referred me to Merchants Collections? I don't understand why they can not just help me resolve this meanwhile Im being penalized by being sent to credit beau in a couple of weeks?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Application, originator, mortgage broker

Complaint: I was wrongly foreclosed on in XXXX, and was included in the National Mortgage Settlement class in XXXX. 

In accordance with the terms of the National Mortgage Settlement, I received a cash payment, and the foreclosure was removed from my credit history. 

However, Nationstar referred repeatedly to this foreclosure in refusing to grant me a refinancing in XXXX XXXX. Of course, no record of the foreclosure exists in the databases of the XXXX reporting agencies Nationstar used : XXXX, XXXX XXXX or XXXX. Instead, Nationstar cited some other record, document, " fraud report '' or such proving the foreclosure, although, as recently as last week, they have continued to refuse to show me the document, precisely describe it or tell me where they 'd found it. 

I have made numerous requests for this documentation, and have also gone to great lengths with several members of the Nationstar sales and customer relations teams to establish my membership in the National Mortgage Settlement class and even to explain the Settlement. Most of my inquiries have been met with silence, or occasionally an email which completely ignores the Settlement and my claims with relation to it. On several occasions, Nationstar representatives pretended not to know what the Settlement was. 

I was able to refinance successfully with XXXX XXXX in XXXX XXXX, at favorable rates. XXXX, which also uses the XXXX above-named reporting firms, did not find any problems with my history and made no mention of the foreclosure, incidentally. 

Do I have any recourse? Will financial firms continue to be able to deny me financing on the basis of a foreclosure that should have been removed from my credit history? Or is Nationstar in the wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have both private and federal student loan accounts. Payments have been made on time every month, but Navient credits only one account rather than allocating the payments correctly to each. They then charge late fees for what they state is overdue payments. I have asked them to correct this problem every 2 to 3 months through the 2017 year by calling customer service. They have failed to correct the problem. Payments continue to be misallocated every month. I have attempted to email requests for corrections and the customer service address from which their late notices are generated is not a monitored account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: In the months of XXXX and XXXX 2017 Wells Fargo reordered the transactions made daily which resulted in being charged more overdraft fees.

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 Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been involved with a short sale negotiation Chase for 6 months now. Chase is the 2nd lien holder. They have " inferred '' to us that the short sale has been approved for 2 weeks now. When asked directly for a firm answer about the approval, Chase just states that they have a new process in place for producing the approval letters and it is " taking longer '', however the Chase representative will never say " Yes - this short sale has been approved ''. The overall sense is that Chase is not being upfront and we really do n't have any idea what is happening at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Other mortgage) with NEW YORK COMMUNITY BANK (NJ).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage refinance with New York Community bank XX/XX/XXXX with a 60 day rate lockin. No one from the mortgage department communicated me the status on the loan after repeated attempts. Finally after speaking to management my loan was approved and closing was confirmed for XX/XX/2016, however, even after confirming the closing time, date and place the bank representative did not show up at closing and never bothered to communicate to us that closing would have to be postponed. ( UNPROFESSIONAL on the part of bank and Title company ). NYCB mortgage company points a finger at the Title company ; maybe it was the title company but NYCB mortgage still failed to communicate to me the customer that the closing would have to be postponed. I went to the bank branch for a closing with the appropriate documents and closing money and no one at the bank had any idea about a closing to be done at that branch, ( again NYCB mortgage department failed to communicate with the NYCB bank branch ). NYCB Mortgage Company operates in a very unprofessional, unethical and incompetent manner. I ended up cancelling my mortgage application and went with a mortgage broker and got better service.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with RentDebt Automated Collections, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: After pulling all 3 of my credit reports, I have noticed a collection debt from RENTDEBT AUTOMATED COLLE. XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and the amount that is not mine. The amount reported is {$3800.00}, reported XX/XX/XXXX. I DO NOT have a contract with them and DO NOT owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed XX/XX/XXXX no judgments are to be reported on neither 2 credit bureau 's. This is illegal again I do not owe this debt that the RENTDEBT has reported and it is not mine. I requested that RENTDEBT REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M OUTRAGED THAT COLLECTION AGENCIES CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCURATE INFORMATION, OWED AND UPDATE NO PAYMENT ON YOUR REPORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (AL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: In XX/XX/XXXX, I purchased a new vehicle through my XXXX company with a lease through XXXX XXXX via XXXX XXXX. After 3 months of owning the vehicle, the vehicle started having electrical problems with the dash and video components going blue or cutting off completely. We had the vehicle serviced and reviewed over a 5 month period continuing to make payments. After a XXXX Corporate Technician was flown in to review the vehicle problems, he was able to duplicate the problem and said the vehicle is not able to be repaired because the vehicle could not withstand a software update. Therefore, XXXX XXXX sends me a letter stating they are reviewing my vehicle for the Lemon Law in the state of Alabama. After receiving the letter and the vehicle is not able to be repaired and could be a hazard based on the electrical issue, I stopped making payments to XXXX XXXX  because the vehicle is unsafe and not operating in a manner I am comfortable to put my family in. Because I stopped making payments, XXXX XXXX  starting calling me and asking for an explanation why I was not making payments. Each week over a 6 week period they would call at least once or twice a week asking for payment and I would tell them the problem and they would tell me okay but someone else is going to call soon to ask again for payment and an explanation. Each time I would give the explanation and have the person calling to review the notes and they would say the same thing. This week Of XX/XX/XXXX, I received a XXXX Update on my credit score stating my score had dropped due to an outstanding payment over 30 days with XXXX XXXX. I feel as if XXXX XXXX and Corporation are being unfair about me making payments on a car that is unsafe to drive and can not be repaired. I feel as if they bullied me into trying to make me make payments on a vehicle they can not repair and could be a hazard to my family driving it. I will upload all files for review.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan is serviced through Navient. To my understanding, you are in the middle of a lawsuit with them and I completely agree with all of the grievances that you 've made. If there is any way I can provide information about this case, please let me know. 

The first issue I have is that Navient deliberately postponed my loan payment without me knowing the ramifications. Although I asked them to do this in order to process my Income Based Repayment Plan ( IBR ), I was not aware that I just used the only time I could pause my loan payments without gaining interest. It felt very deceptive. 

They did n't even ask if that was okay to pause my payments, they just did it and told me that I would start paying after my IBR plan was processed. If I was aware that pausing would use my only chance to do this without accruing interest, I would not have had them pause my payments. All in all, it felt that they were just trying to get me to use up my one time to pause in order for them to make money on interest if I paused in the future. 

I also received notifications about my loans to an outdated email address that I had changed and confirmed with them before. So Navient sent me information about my IBR plan to an old email address that I had changed with them over the phone, so I did n't receive it. 

All of this is just frustrating because they make it seem like it 's easy for me to manage my payments ; however, I feel deceived and wronged at every turn. I just want clarity - and when they deliberately use my penalty-free payment pause without my permission and send notifications to an old email address that I knew I changed, it feels deceptive.

Company response to consumer: Closed with explanation