milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2017 about Debt collection (Private student loan debt) with Nathan & Nathan, P.C. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Last year Nathan and Nathan filed a lawsuit against me for loans that I had cosigned for my nephew. They indicated since he lives in NY they have to sue me and ca n't sue him. We made a payment arrangement of {$200.00} a month. They stopped taking the money at the beginning of the year do n't know why but I got a notice Monday X/XX/17 that they had filed a garnishment claim against me for 25 % of my pay. I wasnt given any notice and took 25 % of my check that I received yesterday. I cant afford that much money to come out of my check I live paycheck to paycheck and will be bankrupt in a month. My nephew understands that he messed up earlier with these loans and wants to do the right thing but these tactics are unreasonable and threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I ca n't work with Experian anymore, because they continually mess up on credit reporting. Recently, they just added an account and listed me as an " authorized user '' I have no knowledge of this account, and it TWICE on my credit report last month, after I challenged other credit items on the report. I need these accounts removed from my credit report immediately. They do not belong to me. Amount is 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 08-03-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: NELNET has confirmed that they are reporting incorrectly on my student loans. They show delinquent in XXXX of 2013 when in fact the loans were deferred during that time. The credit bureaus fixed one of the accounts but continue to show the other one as delinquent. I finally thought this was resolved only to get my latest credit report with this loan still showing as delinquent. The credit bureaus need corrected information for BOTH loans on this account. The loan with original balance of {$10000.00} has been corrected. The loan on this same account with original balance of {$6000.00} is still showing as delinquent. Please remove this information as promised in your letter attached in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I tried cancelling Transunion account, but they are still charging my account. Also, online it says the only way to cancel with Transunion is to call them, but I have XXXX XXXX and can not do this.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX I received news that Equifax ( Company ) had went through a cyberattack. I have viewed the Equifax website for more information, and enrolled in the Equifax security breach mechanism. This latter part was to determine if my social security number was compromised. I received a message confirming my SS compromise and, subsequently, attempted to place a 90-day initial fraud alert on my SS account. However, the website was unable to do this as it is under high stress attempting to resolve the issue for millions of people ; I will have to wait until a later date to refill the initial 90 day fraud alert. Next, I attempted to view my credit score at XXXX, but was unfortunately greeted with the message that they were unable to fulfill my requests. I believe they too are under high stress resolving issues for millions. And so, I come to you now, filing a complaint : I would like to place a initial 90 fraud alert from Equifax, XXXX, and XXXX on my SS account. I have reason to believe my SS account has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: No!!! 
They didn't address none of my issues!!! 
I have police report for the fraudulent use of my personal information. This particular increase did not pertain to me that inquiry range of from XX/XX/2017 to XX/XX/2017. 

This is illegal for anyone to apply for credit using my information. I want proper verification for the use of my personal information. This company has sold my information to a company for profit against my consent ... 

Noting was done to resolve this.. I request probably removal of all increase in this range. Because my information was used illegally ... 

Police Report # XXXX XXXX Police We understand that they do not want to remove because they recieved money for selling my personal information. But I was not informed on the use of my identity. 


Recently received email saying complaint closed. They haven't provided any proof of verification they are just saying they had permission. But if you didn't get information from me personally then it is illegal to sell my information for profit with out my approval, permission, or request. Therefore this information is totally false! 

After speaking with creditors they haven't attempt to even gain the information need to even prove this claim. They just taking it upon themselves to say its verify with no contact to creditor nor any documentation to prove they had the right to sell my information!!! 


I will like to Opt out any promotional programs that they use to sell my information with out my content. Take me off this listing because I've never agreed to this use. 

I demand immediate removal of all inquiries and false accounts from my statement

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 08-09-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: A Loan Modification Package was submitted to SLS on XXXX/XXXX/2016 37 days prior to a scheduled sale date ( Here to attached ). SLS provided a missing documents letter request on XXXX/XXXX/2016 requesting Tax Returns. A XXXX Form was provided with the package and due to HAMP new streamlined guidelines Tax Returns are no longer required to be considered a complete package. On XXXX/XXXX/2016 the requested documents was sent in the form of a Letter of Explanation stating the borrower 's Non-Filing status ( Fax Confirmation and letter of explanation are hereto attached. ) Confirmation of receipt of the conditions was confirmed with a XXXX at extension XXXX. SLS denied the loan modification request on XXXX XXXX but the borrower 's legal representative did not receive the denial letter until XXXX XXXX, 2016. ( Here to attached. ) SLS did not provide a new request for missing documents nor did they allow the borrower the allotted time to provide such missing documents as required by HAMP Directives prior to denying the loan modification on XXXX/XXXX/2016. In fact SLS sent a letter Dated XXXX XXXX, 2016 received by the borrower 's legal representative on XXXX XXXX, 2016 requesting for the borrower to contact them to provide instructions on how to apply for a loan modification request when the loan modification request was already provided. SLS was diverting there responsibilities as required by HAMP Directives to forward the loan modification request to the new servicer. SLS never provided the borrower nor their legal representative of the servicing transfer rights. The new servicer XXXX XXXX XXXX provided a servicing transfer letter dated XXXX XXXX, 2016 stating the servicing transfer became effective on XX/XX/2016 ( Hereto Attached ). SLS continues to send mortgage statements after transferring effective date of XXXX XXXX, 2016 ( Hereto attached ). SLS denied the loan without proper justification, did not allow the borrower proper time to provide requested documentation as required by hamp directives and did not allow the borrower the right to appeal such decision. SLS did so as a diversion of it responsibilities to transfer the loan modification request to the new servicer as it new in advance of the servicing transfer prior to the denial.

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 03/17/2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Closing/Cancelling account

Complaint: I received a letter in the mail from synchrony bank stating my Credit Card accounts were being placed on hold pending further investigation as they were disputing who I am. The credit cards affected were my Citgo, BP, Amazon, Walmart and paypal. I have had 2 of the Accounts for more than a year and have never missed a payment, been over the lmit or anything. I was locked out from accessing the accounts on line as they claimed this this might be identity theft. I filled out the form they submitted to me signed it and sent it back, to my surprise about 4 weeks later I was able to access my accounts on line but they all said I have no available credit. I immediately contacted synchrony bank and was told told because they could not validate who I am they closed my accounts. Now I have other loans, credit cards, bank loans, etc from other financial institutions I have a valid D.L AND social security number. I am very upset, as by closing my credit card accounts it will it will significantly decrease my credit sore and adversely affect me and my credit.. I am seeking an explanation and for my accounts to be reinstated with full rights as I have not violated any policy or procedure of synchrony bank

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have notified all 3 credit bureaus that they are reporting incorrect personal information about me and it is very confusing to creditors. The following information is to be reported and nothing else. I need all 3 credit bureaus to remove all other names and addresses immediately. The following information is the correct information to be listed.
1. XXXX XXXX XXXX. There are to be no other names nor spellings. No alias should be listed.
2. XXXX XXXX XXXX.
XXXX XXXX, CO XXXX No other addresses should be listed as i reside at this address and have for a number of years.
3. Year of birth. XX/XX/XXXX4. Phone number is private. Remove all numbers listed.
5. Employer should be listed as XXXX XXXX as an XXXX XXXX.
All this information should be listed on all 3 credit bureau reports just as i have supplied. This shows creditors solid, cohesiveness on my credit reports.
I have asked for this to be reported correctly and the bureaus ignore my requests.

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 09/14/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We had our house for sale for almost 2 years. Starting at {$500000.00} lowered it many times finally got an offer for {$39000.00} cash. Which our Realtor talked us out of taking. We finally ran out of money and put it up for a short sale. B of A was our lender so we figured we could get {$10000.00} in relocation money. Well into the process they say well we sold your loan to XXXX without your knowledge and they have their own program for {$3000.00} we complained were told nothing we could do about it. The loan was to close on the XXXX of XXXX this month. We looked and looked for a place to rent finally found XXXX and gave XXXX and XXXX months rent for {$3100.00} all the money we have. Contract move in date the XXXX. Now today we are told it may not close on the XXXX and they may need an extension. From what they are saying we would have to stay in the house until the end to receive the money. If that happens we forfeit the money we put down {$3100.00} and have no place to live/Question how can they sell my loan without my knowledge and cost me {$7000.00} which as I understand is n't even their money and have their own little program and how can they make me stay longer to get the {$3000.00} with little or no notice. The world just does n't work that way. We are desperate looking at no money and being homeless. As a note I retired in XX/XX/XXXX with {$XXXX} a house with equity of {$XXXX} inherited {$XXXX} and in XX/XX/XXXX and again in XX/XX/XXXX lost everything I spent my life saving. I am XXXX years old in good health applied to many many jobs and the moment they see my age no call back. Is there any help out there or do we just go homeless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried online and in writing.All XXXX agencies have asked Questions about accounts I have or may have had. I have had over XXXX accounts from car loans to mortgages to banks and credit cards which some have changed names over the past 7 years. I have had no credit activity for over 6 years. I am in desperate need for all XXXX credit reports and have run out of options.You can apply for credit with a business with just name and SS # and they can get your report in minutes ( ridicules ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have previously submitted a report on XXXX XXXX and XXXX, now I would like to submit my complaint with SallieMae. 

I have XXXX SallieMae loans, XXXX being 7.2 % interest equaling {$7300.00} and the other being 3.5 % interest equaling {$6000.00} ( I believe 3.5 % is the lowest on any of my private student loans so only XXXX of them is feasible ). 

The problem with the loan is NOT the amount, rather the fraudulent interest rates I am being charged. Because the interest continues to compound, my payments barely eat into the principal leaving me with a bigger loan than I started. 

I make every payment on time, however it seems to make little difference if I pay more than what is due. This is ruining my credit report because my debt to income ratio looks horrible, even though I make all my payments on time. 

What this is effectively doing is keeping me from getting any sort of loan to buy a house, or put a dime back into the economy. It does appear as though this will be the case for a long while unless something is down to lower my interest rates to an acceptable level. 

Paying $ XXXX- {$1200.00} a month in student loans is not feasible when I am barely cutting into the principal and lowering the loan amount. In every case of my loans, they are now currently bigger than when I first received them even though I am paying this amount of money EACH month. This should not be allowed and is a form of XXXX 

I am not asking for my loans to be forgiven, however I am asking that my interest rates be put at a normal level of almost all other loans in this country at 2 % interest. There is no reason I should be suffering from an fraudulent interest rate ; students should not be punished for seeking a higher education. 

After calling each of these companies several times, I have found NO help in trying to refinance my loans. The only option I get is to go into forbearance, which would mean a lifetime of debt for me and possibly other family members. 

Please review my case and understand where I am coming from. I can not express enough how these interest rates undermine my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Consumer Loan (Installment loan) with Social Finance, Inc. (CA).
Issue: Taking out the loan or lease

Complaint: I filled out an application for a signature loan with SOFI. www.sofi.com I uploaded the requested documents and they sent me a verification of employment to fill out. i filled out my portion. They faxed it to my employer. They did not include my SSN or an address where the verification can be sent to. 
After waiting about a week and several calls, my employer said they can not by law give out wage information by fax and needed a physical address which SOFI could not provide. Also, SOFI, as a lender should include a SSN when requesting verification of employment. 
I believe they are doing a bait and switch program to lure potential borrowers with attractive options and once a potential borrower applies they can not complete the loan because the way they conduct business prevents the loan from being able to get documentation required.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reporting on my credit that I owe them XXXX from back in XX/XX/XXXX but I did not open an account until XX/XX/XXXX, I feel that my identity was used without my knowledge because I do not have a balance with XXXX and still use them as my phone carrier today.

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 06/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made my XX/XX/XXXX payment plus extra in the amount of {$450.00} to Navient XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. The check was cashed on XXXX/XXXX/16. Navient Solutions has sent me a bill stating I am past due for my XX/XX/XXXX payment. When I called I was given an explanation routed to a supervisor, but disconnected twice before being speaking to the supervisor. After 1.5 hours of trying to call Navient, a supervisor finally called me back. She proceeded to give me a third explanation of what happened, which includes insisting I mailed my payment to an address other than the one above. Navient acknowledges receipt of my check and cashing my check, but because it was sent to another address for Navient, Navient is issuing a refund which will take 60 days to receive. Until then I am past due or I could give false testimony and claim I have a financial hardship and agree to pay any late fees and interest. I am a lawyer -- I will not give false testimony. I do n't know how the check could have been routed to an address I do n't even have.The first representative stated Navient re-routed it while the second representative and the supervisor insisted I mailed it to some address that I do n't have and both confirmed I had the correct address when I provided the address above. I do n't think my credit should suffer because of Navient 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit card () with DISCOVER BANK (NV).
Issue: Delinquent account

Complaint: Discover Financial services is reporting me as being a total of 60 days late, in XX/XX/2015 and XX/XX/2015. This is an inaccurate reporting and stopping me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen holds the XXXX mortgage on my condo. I fell behind in my payments due to my income being reduced by more than XXXX %. I have been trying to work with them on reducing my payments. Each time I call my relationship manager, they are never available and whomever I speak with does n't take me seriously and are not helpful. I tell them I do n't understand why they are unable to reduce my payments and work out a repayment plan. The last time I spoke to someone regarding a repayment plan, he said he would send me an email for me to accept the arrangement. I never received an email nor did they call. I 've followed up with Ocwen on numerous ocassions and am still trying to speak with my relationship manager. I feel as though Ocwen is bullying me and are not trying to help me keep my home. I 'm not sure if it is a language barrier as everyone seems to be in XXXX. They are not a consumer friendly financial institution. They never mention anything about President Obama 's housing programs that you hear so much about to assist homeowners. I 've worked very hard for my home. Since my income was reduced drastically, I 've done everything I can to get this worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Today I tried to get my free copies of my Credit Reports from the three Credit Bureaus but lately I have not been able too. I am becoming very upset as to why I can not obtain these reports. It seems when someone else inquires they are able to receive the information I seek, but I can not. I have reason to believe there is something reported that they do not want me to see. I would like a copy of my free Annual credit report ASAP.

Company response to consumer: Closed with explanation