milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The interest on my loan needs to be recalculated. I initially took out student loans in XX/XX/XXXX-XX/XX/XXXX. Later I returned to school from XX/XX/XXXX-XX/XX/XXXX and during that time the previous loan was not deferred while I was in school. My current loan servicer, Navient, has no record of attendance in XX/XX/XXXX-XX/XX/XXXX, and the advocate says they can not do anything despite having official transcripts presented to them. In searching the Dept. of Education Database, there is no record of my attendance during the years of XX/XX/XXXX-XX/XX/XXXX, therefore the loan was never deferred and interest accrued. Additionally, I question the interest charges during the period of XX/XX/XXXX-XX/XX/XXXX. During these years I was a student, on welfare and was not offered deferment of my loans. I need assistance in obtaining the true amount owed at this time after the interest adjustment. I would appreciate having someone who can help me a ) submit the official transcripts for school attendance from XX/XX/XXXX-XX/XX/XXXX to the correct contact, and b ) revisit the circumstances of the period during the years XX/XX/XXXX -XX/XX/XXXX, leading to a recalculation of my current loan balance. Your help is greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This company has been notified that my father was a victim of identity theft. He had checks stolen from a third party known to him and used in various businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Due to the fact that TransUnion failed to respond back to my Unverifiable Dispute letter, I have no dispute case number. I am going to provide the USPS Certified information that they received the letter in the mail. I was disputing the fact that the account on my credit report that says I owe XXXX XXXX XXXX and XXXX XXXX XXXX is Unverifiable. I presented the letter to TransUnion and I make sure a copy of the letter is in this report. But never got anything back concerning my dispute letter in XXXX XXXX, 2016. It is now 36 days pass due and no response from TransUnion. Accordingly, to the FCRA if the Credit Reporting Agency does n't reply back then the debt is automatically removed from the credit report. But in my case it has not happen. Also, I have recording from both XXXX XXXX XXXX and XXXX XXXX XXXX I am not in their files no where. I do n't understand why TransUnion is holding on to this debt. When it should be removed from my credit report because they fail to answer back to my dispute letter I sent them that I providing to you and the mail return receipt they sign for accepting my dispute. I

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In both XX/XX/XXXX & XX/XX/XXXX I filed a complaint with Transunion and XXXX about UNAUTHORIZED inquiries on my credit report, prior to this complaint I had a fraud alert added to all 3 credit bureaus early in XX/XX/XXXX I believe XX/XX/XXXX/XX/XX/XXXX and wanted to be contacted if my credit was run by any creditors during that time I received only 3 calls from creditors to look at my report those 3 were " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX '' because I was shopping for a new vehicle. All other inquiries from the time I had mlthe fraud alert added till now were NOT AUTHORIZED and I asked to have them investigated and removed " Transunion '' completed their investigation on XX/XX/XXXX & XXXX completed theirs 2 days after submitting my complaint online, both stated that the inquires are Factual when they are not they took less then a week to investigate which I find a bit unbelievable I do n't think they actually did a investigation and it is GREATLY affecting my credit and hampering me from purchasing a new home!

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I contacted XXXX, Experian, and XXXX concerning some medical bills and a XXXX account reporting as collections on my credit report. I notified each credit bureau that these items do not belong to me and are reporting on my credit file in error. I received notification from the credit bureaus that these items were verified and that they are to remain on my credit. I responded to their findings with a request to provide me a copy of the individuals, date, time, and address to the person/s that verified this information because if indeed the did a proper investigation, they would not have verified that these items belong to me. After my 3rd contact, they have ceased responding and the issue of 3 items reporting on my credit in error remains. The Fair Credit Reporting Act gives me protection that I will have an accurate and fair credit file and XXXX, Experian, and XXXX are in violation of my rights under this law.

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 06-02-2016 about Mortgage (FHA mortgage) with Selene Finance LP (FL).
Issue: Application, originator, mortgage broker

Complaint: FHA Case No. XXXX XXXX XXXX Address : former address to property was XXXX XXXX XXXX XXXX FL. XXXX. 
Present address : changed to XXXX XXXX XXXX XXXX FL. XXXX By Introduction, my name is XXXX XXXX and I became a homeowner in XXXX 2001. 
I went through the process with a non profit organization by the name of XXXX XXXX XXXX located in XXXX Florida. XXXX XXXX XXXX assisted me with preparing me to become a first time homeowner. Being a single mother, this was the American dream coming true.The name of the mortgage company which is no longer in business as called XXXX in XXXX Florida. I fell behind one month and XXXX sent me a letter stating that due to late payment, my loan could not be FHA insured, and the loan will be converted into a conventional loan. Now at the time I was not aware that this was false information, and also on my mortgage note there is no clause stating that my loan will no longer be an FHA loan by falling behind. I know for a fact that FHA helps individuals to remain in their homes. I truly believe that this is a predatory loan and XXXX converted into a regular conventional loan of course for profit. XXXX made stated another fictitious statement the well on the property was not the appropriate footage from the septic which is false because the house was built from the ground up the the contractor has to meet the building codes for XXXX XXXX. I have been fighting this for years and I feel that this information that XXXX was just all a ploy for me to lose my home and my inherited property.Ivanhoe used FHA procedures not guidelines to target individuals receiving FHA loan and convert the loans for profit for their investors gain and greed. This really saddens me for individuals who really strive for the American dream to become a homeowner. Over the years my loan has been sold at least 5 times and now my mortgage company is Selene Finance and they only reason why they have it now because the were under the assumptions that my loan was in default and I was in foreclosure which was false as well. 
Now since Selene Finance has my loan I stated to them to look at the original note and it clearly states that this is a FHA loan FHA insured. Since Selene Finance has the loan, they are now held accountable.My interest rate is 6.5 % it needs to be lower because it is a FHA loan.The interest rate should be at least 2.5 %. At 6.5 % I will never pay off my home loan and the investors get wealthier. I have all documents and I also requested documents from the Selene loan resolution department as well.Please assist me with this matter. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Hello : I purchased a 95 year old foreclosed property at XXXX XXXX XXXX XXXX, XXXX, MD. I later found it had major structural problems so we demolished it. 

In rebuilding we came to realize the reason for the old structural problems was because it was once used as a landfill at some point thus rebuilding on a contaminated landfill will cause many issues with the new structure and also health concerns. 

I have been trying to communicate to the bank that that now has my loan ( not the original mortgage company who turned around and sold it to this current bank ) that I need a deferment to resolve the issues we have encountered ( the place was once a landfill/contaminated soil ). 
I have borrowed over XXXX to keep up with the mortgage and pay rent too. It 's not sustainable. 

Is there anything you can suggest I do? 

Thanking you for your response. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (FL).
Issue: Account opening, closing, or management

Complaint: This Complaint is against PNC Bank. 
In early XXXX 2015 I received a credit card offer in my minor son XXXX XXXX name. He was XXXX years old at that time. Also to add insult I received this mail at my physical address in which I do not receive any mail there for security reasons I receive my mail only at my XXXX XXXX XXXX. 
On XXXX/XXXX/2015 : I called PNC Bank at XXXX and spoke to XXXX XXXX at the XXXX XXXX XXXX and filed a complaint. He just apologized and could not give any reassurance this will not happen again or how it happened. 
On XXXX/XXXX/2015 I received the attached email from XXXX XXXX XXXX Escalation Specialist but to no avail. He informed me of the same above. 
On XXXX/XXXX/2015 I spoke with a lady representative from PNC Bank at XXXX and she could not explain how my minor child was getting these credit card offers. 
Now on XXXX XXXX, 2015 I received another credit card offer in my minor son name at my physical address. 
This is complete fraud. I have a PNC checking account and my son is POD on the account. This is the only information PNC has on my minor son. Why are they sending him credit card offers after I addressed my concerns with them in XXXX 2015. Also why to my physical address when I never get mail here. All my mail in regards to my checking account goes to my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Transunion was sent a letter in regards to a pay to delete debt to  XXXX   XXXX   XXXX  dispute #  XXXX . They refuse to delete this collection from my report, when by law if the creditor agrees to pay to delete, then Transunion is obligated to delete this collection, not just {$0.00} the amount.    XXXX   XXXX  sent letters to Transunion in regards to closing this account as well.    XXXX   XXXX  Bank also reported to remove account and this has not been corrected either.

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 12-09-2017 about Debt collection (Medical debt) with Herbert P. Sears Co., Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection agency is not licensed in my state and I am requesting it to be removed from all 3 credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing to complain about my treatment by XXXX XXXX XXXX XXXX XXXX, Caine & Weiner, and XXXX XXXX XXXX XXXX XXXX During a routine audit, I noted escalating fees from XXXX XXXX . On further review, I found a contract dated XXXX/XXXX/XXXX that I did not authorize nor sign. XXXX, and I am the only person authorized to sign contracts. 

The person who signed the contract, and subsequent XX/XX/XXXX renewal, was a secretary who no longer works for me.This person was never authorized to sign contracts. I did not authorize this now former employee to sign any contracts with XXXX XXXX. 

Records show, while the postage meter was in use, all monthly fees were paid in full. They are not due any money. They are not the injured party. On XXXX/XXXX/XXXX, I sent a letter to a XXXX XXXX Leasing Specialist, notifying him that the lease was unauthorized, null and void, and requested an arranged return of the postage meter. Since this time, the postage meter has not been used. 

The contracts in question from XXXX XXXX specify that the person signing is " authorized to sign. '' The specified now former employee was not authorized to sign. The XXXX contract lists DBA name of Lesee with this person 's name. The name of my XXXX is XXXX XXXX , XXXX, and my company never signed any agreements with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX stops their fraudulent pursuit of these unauthorized contracts and removes their equipment from my office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX, dispute its still under investigation 5 month as of today

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: In 1996 I opened a prima bank services account with no monthly service charge at a Bank of America branch The agreement provided that as long as I had a minimum balance of {$5000.00} I would not be charged for my standard safety deposit box. For twenty years Bank of America has lived up to the contract. However yesterday I received an invoice for the safe deposit box for {$75.00}.

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 12/14/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Convergent collections posted false and damaging information on my credit report, alleging debt to a company I have never done business with. Also convergent never contacted me by phone or mail regarding this " debt '' to even give me a chance to dispute it before they posted it to my credit report. Also there is no contact information on my credit report for me to contact convergent " collections ''

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Dear Sir or Madam of the Bureau of Consumer Financial Protection, I am requesting assistance in resolving previously disputed accounts with ECMC that have remained unresolved for over two years. I have previously disputed these XXXX accounts to no avail through the CRA dispute process. ECMC continues to confirm and report the wrong date of first default. I have a total of XXXX accounts that were sent to ECMC from the original creditor ( XXXX now XXXX ) on XXXX/XXXX/XXXX. XXXX no longer operates. I have requested ECMC to correct my " date of first default '' to the correct date provided to me by the original creditor ( see attached ). In another attempt to correct the information, I contacted ECMC on XXXX/XXXX/XXXX around XXXX am to request they update all of my credit reports with the correct date of XXXX/XXXX/XXXX. I was told by a CSR that " they do not have the date of first default in their system and they ( ECMC ) are using the date they received the account as the date of first default. I told the CSR for ECMC that the date they are sending is incorrect and provided the correct date and was told they " have no way to verify that '' and it would stay as is regardless of my paperwork. In turn on XXXX/XXXX/XXXX at XXXX PST, I spoke with a customer service representative for original holder ( XXXX ) with an employee ID of XXXX and requested documentation to confirm the date the account first went delinquent. On XXXX/XXXX/XXXX I received written confirmation from XXXX that in fact the date the accounts first went delinquent was XXXX/XXXX/XXXX not the date of XXXX/XXXX/XXXX that ECMC has been reporting since XXXX/XXXX/XXXX. I requested that ECMC remove all XXXX of these accounts from all of my credit reports as they stated they were unable to verify the correct DOFD and stated they " use the day the receive the account as the DOFD '' in credit reporting. 

I ask that the Bureau of Consumer Financial Protection address these FCRA violations. I also request that ECMC remove all XXXX accounts from all credit reporting agencies as they continue to violate FCRA. Attached you will find the written confirmation of the correct DOFD for all XXXX accounts and the XXXX trade lines as they appear on my report. I ask and pray for assistance as this causes stress and harm to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My husband and I filed bankruptcy on XX/XX/XXXX and reaffirmed our XXXX XXXX XXXX that was financed with XXXX XXXX XXXX XXXX. We continued making our payments as agreed and were never late during the entire duration of the loan. I paid XX/XX/XXXX payment on XX/XX/XXXX and then we traded the car in on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported to Transunion that we were 120-149 days late and as of today XX/XX/XXXX the account is still opened and showing derogatory. I contacted them in XX/XX/XXXX to have this resolved and sent in all 12 months of my Checking account statements as requested and they refused to remove it from my credit report, causing me to have a low credit score and difficulties with financing. I have also disputed this with Transunion and it continues to be on my report as of today XX/XX/XXXX. XXXX XXXX XXXX XXXX continues to tell us that we were late in XX/XX/XXXX ( Pmt made on XX/XX/XXXX ) and I also made XXXX pmt on XX/XX/XXXX. I have all of my bank statements where every pmt was debited from my checking account and all of the loan coupons with confirmation numbers on them due to paying them either online or over the phone. I really need this resolved as it is preventing me from financing a home. Please help.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax credit breach is well known. Equifax is located in XXXX, GA, and I have confirmed that our personal ( extensive ) information was involved in the hack that stole this information. I refused to participate in their protection program after the fact, since it required us to give up court action as a remedy. 

As a result, I have signed up for a mid-level XXXX monitoring program, at a cost of {$43.00} per month. My wife and I are both XXXX, and her family has a history of living into their late XX/XX/XXXX. Therefore, 20 years of this credit monitoring will cost {$10000.00} -- without providing for any price increases over the period. This is a substantial, unbudgeted expense for our fixed incomes. It was necessary to protect the modest assets we own. 

I want {$10000.00} from Equifax to cover this expense. I do not want to participate in a class action suit in which the attorneys walk away with millions and I get a check for {$5.00}. I want {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Southwest Credit Systems is reporting a collection account on my credit report that was previously assigned to XXXX XXXX and was deleted. Then, I get an alert on my credit report that SWC reported this account with an open date of XX/XX/XXXX. How is that possible? Now it says this account wo n't be deleted from my credit report until XX/XX/XXXX, which means they extended the statute of limitations and should not be allowed. They are in clear violation of the Fair Credit Reporting Act. I even tried to file a complaint against them with the XXXX.

Company response to consumer: Closed with explanation