milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted Experian on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, XXXX/ XXXX. After properly disputing these accounts four times i received a letter from Experian stating that i needed to contact the collection company. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent experian the letter i received. Experian still refuses to remove these accounts from my file even after getting proof that these accounts can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has provided either one. Billing summaries ARE NOT considered to be valid verification of accounts. In regards to XXXX / XXXX, I have multiple disputes with the company and Experian credit bureau, This collection has been removed from all other bureaus including XXXX and XXXX because the bureaus did not receive accurate verification from the collection company. So how is it that Experian magically verifies and reports information that could not be verified and deleted by the other XXXX credit reporting bureaus? Experian has not sent me information in regards to how they have verified these accounts and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to recieve documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of re-investigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Experian is willfully withholding information in my credit files from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.

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 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FACTUAL DATA CORP. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Recently had a credit report pulled by a loan officer for a mortgage preapproval. I am enrolled in credit check monitoring through my bank. The service is provided by XXXX. However, The report provided the loan officer I am working with by Factual Data contained quite a bit of inaccurate information to include inaccurate credit card balances, mortgage payment amounts, and all 3 credit bureau scores were incorrect.
More specifically, My most recent credit score is above 800 for all 3 bureaus yet Factual Data Bureau Express, shows my 3 scores well below that. Also, it shows credit card balances thousands of dollars more than they actually are. I feel this information could be detrimental in the loan approval process and is very upsetting, as a home purchase is one the biggest decisions one may make in life.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This complaint is regarding the poor service that I 've had with Navient as my loan servicer. 
1 ) I was encouraged to opt for forbearance on my student loan instead of IBR for several ( 10+ ) years when I was unable to pay my monthly loan payments. My total student loan debt, as a result, has skyrocketed and now I can barely manage my IBR payments. 
2 ) As a XXXX, I should have been allowed to enter into the Public Service Forgiveness program when I asked about it over XXXX years ago. Instead, when I inquired about it, I was told they do n't do that and that even if I did use another lender to do it, I 'd have to claim any portion that was paid off as income and pay tax on it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Monterey Financial Services LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: An account was open fraudulently with XXXX as the original creditor who than sold the account to Monterey financial services a collection agency. I have contacted them many times and informed them of the fraud. The major credit reporting agencies have agreed to remove the account. The account still remains as a negative trade line on my XXXX credit file. This needs to be corrected as Ive received correspondence that they will remove the account and still havent!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Below is a copy of one of my email to Nationstar LLC for your files : with the complaint details to add to existing complaint # XXXX XXXX XXXX XXXX .... 

XXXX XXXX : Nationstar LLC1. I regret that Nationstar 's shameful practice of blocking access to my account information continues and has triggered my complaint to a Federal Agency in connection with the Nationstar 's improper business practice of blocking access to my account information contained on the Nationstar Web Site, on condition that I waive the order from the XXXX 

2. Once again, the XXXX Ceast and Desist order against Nationstar was associated ( ONLY ) with with payment demanding and harassing phone calls between the XXXX and XXXX of month, and not internet access to my account information. 

3. I was coerced to make an unwanted web site selections to gain accessto my account data and to contact you for the 3 times about this issue. This amounts to punishing me by prevent access to my account unless, I withdraw my XXXX order against Nationstar Mortgage LLC. 
4.I INSIST THAT THE ACCESS BLOCK BE REMOVED, AT ONCE! See part of Blocking Panel that I was allowed to copy from the Nationstar LLC Web Site. 
" Ceast and Desist Confirmationclose '' This block prevented me from access to my mortgage information, and it is now in affect, notwithstanding my phone calls and emails attempting to get access to the Nationstar Mortgage LLC Web Site.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Payday loan, title loan, or personal loan (Payday loan) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Loan payment wasn't credited to your account

Complaint: I 've recently downloaded the XXXX XXXX app where I can borrow money and pay when I get paid. On the app it is still saying that they do not have verification of when I got paid so I can not cash out for a payday loan because they are unable to communicate with my bank the State Employees Credit Union

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (I do not know) with Suburban Credit Corporation (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Received phone call on my work line. Individual said it was a personal business matter and would not disclose the nature of the call. I then asked for the name and phone number in which to return the call because I was at work and could not discuss such things. He would not share such information. I then requested for him to not contact me at work, and he then asked to speak to my supervisor. He continued to badger me and I then mentioned to him that I will report him if he continued to harass me. He then said that he 's going to report me. I hung up the phone as work is not the time nor place to deal with harassment. He did n't state where he was from, what the matter was in reference to, his name or any additional information. I did advise him that this was a federal line and that I would report him. In turn, he said he would do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (CA).
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: XXXX XXXX XXXX Reported a late payment for my mortgage back in XXXX 2015. This account has never been late and they have refused to correct the error. I 've been very patient with this matter but i 'm tired of them ignoring to fix the problem and it has affected my credit score in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing statement

Complaint: I am getting charges for walmart credit that I payed off last year. I XXXX XXXX have not made or authorized any charges to that account since and it is now affecting my credit badly.

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 10/30/2015 about Debt collection (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After repeated communication that I was unable to pay for my student loans. I received several calls in one day from Sallie Mae. The most recent call at XXXX on XXXX XXXX, was from a rep. who yelled at me and threatened to add additional delinquency fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: Chase card services had unfairly rejected my dispute of XXXX charges from XXXX XXXX for XXXX and XXXX billed to my chase credit card account XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. 
In the communication with me, chase employees have verablly insulted me and used XXXX. thus, i submit to you that chase 's action were an act of XXXX rdiscrimination against me. 

The XXXX charges in question were for the computers that I purchased from XXXX on XXXX XXXX, XXXX and then subsequently returned to XXXX. 
I have complied with XXXX return policy. however, chase refused to issue a credit Here is a timeline of what hapenned :. 
On XXXX XXXX, XXXX ie. within 30 days of purchase from XXXX, i have filled an appliction for return of both computers on dell website, per dell policy ( they require such application to be made withing 30 days ). 
But until now XXXX had failed to process those requests that I submitted and to issue me a RMA ( return merchandise authorization ) required for return. 
Their wesbite still shows that my requests are under investigation. 
I then contacted dell numeroud times, at first they did not respond but then in online chat with me dell said that they had a glitch on their website which caused my request for return to remain non-processeed but. Having admitted their fault, dell refused to authorize the return. 
I subsequently disputed these charges with chase. 
However, chase had refused to satisfy my dispute. chase sent me a response from dell in which dell stated that there is no record of return. in that letter, chase also informed me that dell had given to chase XXXX XXXX for my computers and address for return. 
I have called chase credit card service and was advised that I should send the computers to XXXX and then call back chase to confirm the return and then chase would issue a refund. 
I have now retured the computers to dell. I have a confirmation of dell receiving my computers by XXXX. i have called chase to inform them of this. However. 
chase still refuses to issue a credit and satisfy my dispute. Chase had also refused to acknowledge that dell had confessed that my initial request for return filed on dell wesbite had not been processed because of a glitch on dell wesbite, although I did send a transcript of my chat with dell to chase. 
I am attaching a transcript of my online chat with dell in which they admit that they did not process my request for return. i also attach copies of the request that I submitted to dell to return my computers in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with I.C. System, Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The bill was paid to a different collection company. We have spoke to ic systems and provided proof of payment of the bill and they still will not remove it from my credit report. They still request payment even after XXXX XXXX XXXX stating that there is no bill due. I spoke to XXXX to verify no bill was due and indeed no bill is due and they told me to tell I C System to prove the bill is due or remove it from my credit report and they refused.

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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXXXXXX17 I requested a mortgage re-fin quote but the creditor could not respond as they could not get a copy of my credit report as it had a " security freeze '' on it. I have never requested a security freeze on my account. I have had this problem for at least the last five years. I spend days/weeks attempting to get the matter resolved to no avail. Equifax has me make written requests to remove the " security freeze '' and then I 'm told weeks later I never had a security freeze. However the next time a creditor contacts Equifax it is the same problem. 

This time I attempted to contact Equifax on its website and by phone. The website advised I could not access it and had to write. Their automated phone system state the same thing Instructions say I need a pin or unique personal identification number assigned by Equifax which I do n't have and never received ; why would I if I never had a security freeze. 

I have placed a extended Fraud Alert on my account but a Fraud Alert is not the same as a Security Freeze. In the past, Equifax 's phone rep confuses " fraud alerts '' and " security freeze :. They provide wrong information, lie to me and to creditors. Most of the problems and lies are verbal. I do have a letter dated XXXX17 confirming that extended fraud alerts where placed on my account at my request. 

From XXXX to XXXX, XXXX I tried to change from cable to XXXX XXXX. Again there was major problems about " security freezes '' and releasing inform. Finally, the non-existing security freeze was lifted ; and then XXXX XXXX wanted a deposit on the basis that I " had a security freeze ''. Equifax representative let it slip that a security freeze was a " negative '' indicator placed by a creditor or Equifax. But I have no evidence and attempted, unsuccessfully, to find an government agency to investigate. I always order copies of my credit report and there is nothing negative on them and no mention of " security freeze '' I gave up on XXXX XXXX. I have TOLD MY STORY on this website before today 's problem. 

Then today I find the same problem. After not being able to make contact by website or phone. I wrote a letter to Equifax requesting they permanent lift all security freezes. I have to mail it on Monday XXXX-17 as it must go via certified. XXXX do n't know why I should have to go to the expense of certified mail for Equifax 's error. However I fear that they will not respond promptly as I do n't have a PIN or unique id number or some other service error on Equifax 's part. It is so discerning that Equifax can continually violate the FCRA and receive no consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (NE).
Issue: Trouble during payment process

Complaint: My current home loan is at 74.4 % LTV, I have requested that PHH Mortgage drop the PMI on my loan. This should have been done automatically when I hit 78 % or below. They are refusing to drop the PMI because I had one delinquent payment in the past year 5 months ago. The loan is current and has been current since. Requirements state that they have to drop PMI automatically once the loan is below 78 % and is current. PHH is refusing to comply with this requirement. I have requested this by phone and in writing, and they refuse to comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have not received any validation documentation from PARAMOUNT RECOVERY. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/21/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: green tree, know it call ditech was change my loan payment no notices why, no information what was going on no one to talk to me you can not to with escrow about your loan. One of the employee was demanding XXXX in a cash year check made out to cash or they would make sure l was homeless ruined my credit report l have been paying my homeowner insurance and property taxes. l can not get any help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Other mortgage) with Siwell Inc (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to get a payoff from Capital Mortgage Services of Texas for a closing that is supposed to happen in a little over an hour from now. I first faxed the request along with the borrowers authorization on XXXX/XXXX/16. I called twice last week to confirm if they received my payoff request, ( even though I got a faxed confirmation that they did ) and get an XXXX on the payoff, but I could n't get a human on the phone and had to leave voicemails. The borrower called them on Friday, XXXX/XXXX/16 and she was told that they were sending the payoff out to me that day. When I got to the office on Monday, I still had n't received it so I called again. They stated that it would be emailed to me yesterday ( Monday ). At XXXX yesterday when I still had n't received it, I called again and they stated that I would get it some time today, if not first thing in the morning. This morning I still did n't have anything so I called again. Capital Mortgage Servicing stated that it was still in the final stages of being processed and that she would " try to rush it through '' and if I did n't have it by XXXX to call or email back again. It 's now XXXX and I 've emailed them twice more with no response. The closing is in less than an hour and I 've informed Capital Mortgage Services if the closing was delayed because they are not providing the requested information I would report them to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and have some fraudulent and unauthorized collection accounts and credit inquiry listed on my Experian credit report that do n't belong to me. The following accounts do n't belong to me : XX/XX/XXXX, XXXX , XXXX {$1200.00}, XX/XX/XXXX, XXXX/ XX/XX/XXXX , XXXX/XX/XX/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 07-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX these accounts addresses and names need to be permanently removed I have sent in copies of a police report # XXXX officer XXXX XXXX badge number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (TX).
Issue: Problems when you are unable to pay

Complaint: The agent for the company, XXXX, called my references after I was less then 1 week late on making my payment. They only made XXXX attempt to contact me which was by calling my home phone at XXXX when I, like most other people was at work and did not leave a message. When she called my references She gave detailed information as to why she was calling to my references so to embarrass me I assume. They were not given permission to contact or discuss my account or situation with anyone other than myself.

Company response to consumer: Closed with explanation