milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I requested an income contingent repayment and was denied and told by the representative that I was ineligible. In XX/XX/XXXX I was subsequently enrolled in an repayment plan and told that after six successful payments my late payments would be removed. After six successful payments and several calls and letters, the creditor refuses to update the payment status on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I qualified for the Nevada Foreclosure Mediation Program in the XX/XX/2016. Upon receiving the notification I was instructed to work with reps from XXXX, XXXX XXXX XXXX to provide the appropriate documentation to determine Refinancing options for my mediation. Paystubs, Utility Bills, XXXX, Bank Statements, XXXX forms. My mediation was conducted on XX/XX/2016 upon which I was informed that additional information was still necessary for Shellpoint Mortgage to determine possible options for me to consider in lieu of Foreclosure on my property. I have contacted Shellpoint and XXXX, XXXX, XXXX multiple times since my mediation ( email & Phone ) and I have yet to receive a call back or email. It appears that I am being ignored. I contacted the Mediator and he suggested that I seek legal advise to reconcile this scenario. Can you please assist in resolving this issue? I just received mail directly from Shellpoint today stating that " we are unable to offer you a loss mitigation option because you did not provide the docs that were requested ''. I have emails dated in XX/XX/XXXX asking if additional information was needed for their underwriters and have gotten no responses on any of my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed  XXXX  inaccurate 30 day late payments on my credit report directly to Equifax. I submitted all documentation by certified mail on   XXXX   XXXX   XXXX   to Equifax including : record of my payment due date (  XXXX  each month min payment {$560.00} ) along with printouts of my Bank Statements, verifying the date the funds were withdrawn from my account for payment of my vehicle loan to  XXXX   XXXX . I noted the inconsistencies between the  XXXX  reporting bureaus of this account. I noted inconsistent accounting of the actual payment amounts listed on the account that were displayed in my credit report. I asked for the amounts paid and dates they were paid to be updated on my report. I explained that the credit union my loan was with got bought and the new credit union was not applying my payments correctly. I requested they look at my account of the prior loan company it was with :  XXXX   XXXX   XXXX  and take notice I never had a late payment before the buyout. No follow up to my request by Equifax giving a response. The file should be updated noting no late pays and payments made accordingly. No rely or actin was made in over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Account opening, closing, or management

Complaint: Today I received a phone call from a ( XXXX ) XXXX and it was a recorded message stating that they were calling to attempt to collect on a debt. I listened to the prompt and held on the line to speak to a representative. The gentleman asked for my name and account number. I advised him of my name and stated that I was not aware of the debt and do not have an account number. She states the last XXXX digits of my cell phone number and asks if I am aware of this account. I say that is the last XXXX digits of my cell of and he hangs up on me. So I call back and speak to another person and he states that the call was in regards to a debt with US Bank. I tell him that I have settled this debt with another collector as of XXXX/XXXX/2015 and have documentation to prove it. He states to call him back and his name is XXXX XXXX at ( XXXX ) XXXX ext XXXX. So the number and ask to be forwarded to him but I placed on hold for a very long time and do this twice. I called again and spoke to a lady and stated that I have the documentation to show that it has been paid. She expresses that once I served I can take that paperwork to the judge to have them dismiss it. 

I have never received any letters or previous notices from this company or the " law firm '' they claim to represent. So I called US Bank to see if they could be any assistance and they stated no because they sold the debt to another agency and to speak to the agency that I paid. At that point tried to call XXXX XXXX at ( XXXX ) XXXX. That number is disconnected and the website is no longer active. This is a XXXX time that I have been contacted by a agency or law firm regarding this debt. The last time was on XXXX/XXXX/2015 by XXXX ( XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Account opening, closing, or management

Complaint: CAPITAL ONE 360 mistreated their client. They have just closed the accounts and reported occurrences of fraud to other banks when fraud never occurred. In addition they contacted other financial organizations and spread security risks about their client! Capital One still did not respond to the cease and desist order filed by XXXX! Their response is needed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Did n't authorize check through these creditors : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I HAVE NO IDEA WHO AUTHORIZE CREDIT CHECKS FOR THESE CREDITORS.

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 04/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Dear CFPB, Since last year I have been actively monitoring my credit report for fraudulent activity and have signed up with XXXX XXXX, XXXX XXXX, and XXXX XXXX. I recently did some loan shopping but only with lenders that guaranteed a " soft pull '' on their website and was confirmed on the phone which guarantees the inquiry is not shared with others and has no effect on your credit score. Recently there have been some hard credit pulls on my file with TransUnion by companies who are subscribers. There is some serious lack of transparency by TransUnion and the agencies who promise and indicate " soft pulls '' and it then shows up as hard inquiry. This is misleading and TransUnion has shared responsibility in letting this happen since they are making money by supplying the information. I 'm fully aware of the regulations and terms of the FCRA federal regulations and a " soft pull '' that suddenly becomes a " hard pull '' without strict authorization does not contain permissible purpose. I do n't care who they are I demand the immediate removal of the hard inquiries. I have been misled and tricked into hard credit inquiries and hold TransUnion responsible. The analysts at TransUnion should develop a method or code which generates a text or email for verification of the hard pull. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Other fee

Complaint: In XXXX of 2016, my family and I decided to plan a vacation XXXX in XXXX of 2016. I placed a reservation XXXX which I would pay at the hotel and there was no cost cancelation as long as the reservation was cancelled at least 24 hours before the expected stay. The next day, on XXXX/XXXX/2016, I surprisingly noticed that XXXX. charged my Chase Visa for half the cost of the reservation. When I called the hotel I was told this was standard to hold the room and if I cancelled it would be refunded in full. The first week of XXXX in 2016, I cancelled the room. When I contacted Chase regarding the transaction, I heard on a recording that the hotel had processed the credit. I spoke to a Chase representative and requested that they also refund me for the interest they charged on the {$130.00} transaction. I was told they would n't and there was nothing that could be done. This caused me great frustration. My current interest rate is 18.24 %. The payment of {$130.00} was charged interest on my account for XXXX, XXXX, and XXXX of 2016. Thus, I now have to pay Chase {$72.00} in interest for something I never received. On XXXX/XXXX/2016 I spoke with multiple departments and employees of Chase to try and get the interest that I was charged for service not used, to be refunded. I was told that there was nothing they could due since the hotel ran the payment as a sale and not an authorization. Thus, Chase just made free money off me that I will have to pay even though I never received or used the goods or services they are charging me for. This is unfair and feels illegal. I should n't have to foot a bill for something I never used or had. I want something to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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: My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . The  loan was through  XXXX   XXXX . In   XX/XX/XXXX  our d aughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the maj or Credit re porting agencies resulting in our  credit score f alling from the  XXXX    XXXX   to the  XXXX   XXXX . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departm  ent (    XXXX   XXXX   XXXX   )  and were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Va  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar applied my payments from Keep you home XXXX since XX/XX/2016 to another loan number. They have my loan in active Foreclosure currently and for the last month I have been trying to get them to reverse the payments and apply them to my loan. I faxed a letter to XXXX the Supervisor in the Loss Mitigation XX/XX/2016 @ XXXX pm PST and have not received a response.I included a printout from XXXX of the payments they sent and it indicates the incorrect loan # XXXX. As of XX/XX/2016 the status of the loan is unchanged nothing has been done to rectify this probelm. My credit has been affected by the loan being in Foreclosure and the fees assessed due to this problem are still due. Note : Nation stars funding dept gave Keep your home XXXX the incorrect loan # when they electronically transmit data for the loans XXXX remits on. Nationstar has been telling us I did it??? Please make this nightmare stop ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Payday loan) with Enova International, Inc. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from XXXX indicating that he was from an investigation dept for company XXXX needing me to call them within 24 hours if not a judgment will be fine against me since they worked for an attorney 's office and that they would contact my employer to garnish my wages. He later indicated to call back at XXXX with case # XXXX. I have never received any noticed in the mail about it. I call them back but what they wanted is for me to pay by phone an did n't offer to send me a letter XXXX with the instructions on how the payments were going to take place. They have also called my brother indicating that there is a judgment out on me already. 
I called CashnetUSA directly and they told me that they sold my debit XXXX XXXX.

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 04/16/2016 about Bank account or service (Checking account) with NEW YORK COMMUNITY BANK (NY).
Issue: Making/receiving payments, sending money

Complaint: Our bank allowed XXXX to withdraw money from our checking account without our consent. Also the name on the XXXX account was different than ours.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANKUNITED, NATIONAL ASSOCIATION (VA).
Issue: Credit decision / Underwriting

Complaint: I informed bankunited years ago, and they posted it on my account that I could not make my {$23.00} per month in late fees which has now reached {$830.00} I am XXXX years of ageand have never been late, when social security deposits my check into my checking account on the XXXX wednesday of each month, the first thing i allways do is pay my mortgage.the late fees are adding up and there is no way to reason with bankunited as they are for the bank.please, please see if you can help me because with bankunited taking advantage of me, I can never get ahead.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: All  XXXX  credit bureaus are susceptible to allowin g    XXXX   XXXX   to show incorrect information. I 've tried to tell the credit reporting companies a nd   XXXX   XXXX   a million time s, tha t    XXXX   XXXX   debt was SETTLED less than full for a  XXXX  BALANCE. Yet it still shows a  XXXX   XXXX  etc., which is not accurate.

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 12/20/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company changes my monthly payment without telling me! Although the principal and interest on my account does not change, the company also withholds escrow to pay insurance and property tax -- but they NEVER give me any warning when these amounts change. As a result, my loan amount ( which I pay by automatic deduction ) often goes into arrears. I then have to call the company -- but their customer service people always XXXX up getting the problem fixed. So I usually have to call them XXXX or 4 times to resolve the problem. And then several months later, the problem always returns. This has been going on for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company Progressive management at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX filed on my credit report for a debt for XXXX XXXX who is of new relation to me and I have never been married to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b  ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 05-02-2016 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (CO).
Issue: Settlement process and costs

Complaint: I closed my home loan with Guild Mortgage my MLO locked my rate at 4 I was given my final CD with 4 % rate when I pointed out the CD reflected fees fees for a program I did not apply for he corrected the CD but my rate was changed to 4.125 % post acknowledgement period began and after I was locked for over 2 weeks at 4 % and all XXXX previously given 4 % rate. 
MLO advised he locked in correctly made mistake and now unable to correct now charging me higher rate than agreed upon. Had to sign new CD with higher rate or lose my home and all cash paid out of pocket {$2800.00} 3 days prior to close due to MLO and lender error. They gave $ XXXX credit on CD to try and make up for the additional {$6800.00} I will now pay in interest pay in interest if I do not refinance in 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX, I had a lengthy dispute with XXXX XXXX about a charge that they claimed that I owed. Subsequently, this account was turned over to to XXXX. XXXX, XXXX, a collection agency. I then sent XXXX. XXXX a standard " Truth in Lending '' letter, XX/XX/XXXX, asking them to provide me with particulars pertaining to my alleged debt. Shortly thereafter, I received notification from XXXX. XXXX, XXXX, notifying me that they were withdrawing the demand payment. The information was also removed from my credit report. Then in XX/XX/XXXX, after routinely requesting a free copy of my credit report and to my surprise, there was a " Public Record Item '' on the XXXX report indicating that the account with XXXX XXXX was listed with Stellar Recovery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT, XXXX, account # XXXX. The amount owed is {$250.00} and the date opened was XXXX, first reported XXXX and was past due as of XXXX XXXX, showing a recent payment of {$70.00}. This was surprising because I had not any correspondence with anyone regarding XXXX XXXX, since the letter that I wrote to XXXX. XXXX, XXXX in XXXX. This was the first notification of any type that I received from Stellar Recovery, Inc., or anyone else, pertaining to this alleged indebtedness. I appreciate your help in getting this matter resolved. Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Payday loan) with CHECK INTO CASH INC. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX previous case number which stated they would call only me but again they still called my relatives.. called me at work and now i am in trouble for picking up calls the guy who spoke was XXXX. he was so rude..made fun of my accent which kind of hurt me and i lost my confidence at work after that.. he was threatening me since he called my relatives everyone knows about this debt..its kind of embarrassing now to even talk to relatives.. 

i am thinking of hiring lawyer and suing them so they understand not to ever hurt other people.. 

i want this to be published with their company name so everyone knows how much rude these debt collecting people can be they recorded me without my consent..they said they can record me even if i say no?

Company response to consumer: Closed with monetary relief