milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: First, I attempted to register with XXXX so I could monitor my credit but I was unable to successfully register due to " incorrect information '' error. Later, I attempted to get my credit reports from XXXX. This too was unsuccessful and I fear that the credit bureaus may have my information wrong. 
Attached are documents regarding my identification. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Was called many times and threatened that they were going to call my employer and take me to Court if I did resolve this matter over the phone. That went on for five months, now they have sent me a letter Saying I have XXXX days to respond.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Once again, Equifax employees are still retaliating against me by putting incorrect information on my report. I received a letter from them. This time they changed my credit card limit to show as {$0.00} when it is in fact {$1000.00}. I believe this was done deliberately, ( as you know, per my past complaints against them ) although they are claiming they verified the information and have updated it. I do n't believe this is true, so what I have done is written a letter to them that I 've already sent off. They should be receiving it in a few days. In this letter I expressed that I would like 3 things.
1. I would like them relay how they verified this information, who gave them the information, and their contact information. 

2. I would like them to list my CORRECT credit limit. 

3. I would like them to send an updated report ( the corrected version that resulted from my last CFPB complaint ) to all companies that requested my report within 6 months. 

Now with these 3 things asked for in written form, I am hoping to find out ( although I severely doubt it ) if XXXX XXXX is giving them incorrect information, or if it is them again purposely adding false information, for proof. 

When they return the information on how the " {$0.00} '' credit limit was verified and who at XXXX XXXX gave them the information, I will be contacting XXXX XXXX and verifying with them also if they gave the information that Equifax is claiming they have. I am alerting the CFPB ahead of time because I have high reason to suspect this is continued harassment by Equifax employees in attempting to sabotage my credit report with errors on multiple occasions. I 've attached two separate reports. The earlier report is confirmation # XXXX which resulted from my last complaint. That should have been the last thing I had to report. It had been corrected. But they have now changed my credit limit to show as {$0.00}. I 've attached that report. I have already called my bank, nothing has changed. It is still {$1000.00}. Either Equifax is giving false information, or XXXX XXXX. I am willing to bet it 's Equifax, but it is apparent that someone is lying, and there will be proof soon. Because I 'm contacting both either way. When they reply, I 'm letting XXXX XXXX know about my CFPB complaints as well so they 'll know what 's been occurring and will be able to confirm that they are not the ones doing it.

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

Complaint: I originally had my student loan thru XXXX XXXX, they turned it over to Nagivent, so I made arrangements to pay Nagivent XXXX dollars a month so they would stop garnishing my pay checks, I was paying them each month and in the fifth month of paying they told me I had to start all over again, and the keep calling and harassing me at least six times a day, so my complaint is, If they are garnishing my pay check that means they are getting paid and should stop the phone calls, I tried working with them but they are making it impossible to do that!

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Consumer Loan (Installment loan) with Mobiloans, LLC (OR).
Issue: Problems when you are unable to pay

Complaint: In XXXX 2014 I took out a {$1000.00} 'Line of Credit ' at about the same percentage as a payday loan from a tribal lender - Mobiloans. Over the course of the next 10 months I made regular payments of {$95.00} every two weeks. A few times I paid off the loan completely, only to need to take it out again. In XXXX I signed up with a debt management program. Mobiloans denied the proposal, saying they do n't work with those. I was told they would not accept any payment discussions on my loan until I was 30 days late. Once at 30 days, I called back to again discuss payment arrangements. I was not trying to 'settle the debt ', I was trying to pay it back with arrangements I could handle in my budget. I was told I could pay {$950.00} in XXXX installments of {$470.00} each within 30 days and this would satisfy the remaining amount due of {$1300.00}. I was told this would be accepted as payment in full and release me from the remaining debt. At great hardship, I made these payments on time, for a grand total of {$5000.00} paid on {$3400.00} loaned. 
During the entire time I was making on-time payments, nothing was reported to my credit report at all. As soon as I made the last payment of {$470.00}, my Transunion reported showed up with a Mobiloans account, of {$1300.00} Charged Off/Unpaid to Collections. 
I immediately called, and was directed to email Mobiloans Disputes. Disputes told me they would change it to Charged Off/Balance {$0.00} because I had 'accepted a settlement '. At no time during the payment arrangements was I told this would report to my credit this negatively. Usually Charge Offs are reported when there are XXXX plus months of non payment. This was not the case. 
I offered to pay the remainder of the amount they accepted as Paid in Full just to have this removed. They refused, saying it was my mistake that I chose the settlement option. I asked that they remove the Charge Off then as this was only hurting my credit, not them, as they 'd received {$1500.00} above the original loan paid back in full. I was told that they had to report 'accurately '. However, they had not reported 'accurately ' the amounts paid, nor the good payment history before the accepted final payment. 
I 've sent multiple letters and called numerous times. At best, I 've been told 'I should be thankful they are only reporting XXXX '.

Company response to consumer: Untimely response
Consumer complaint received 03/26/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I was trying to make 1/2 a mortgage payment each time I got paid ( bi-weekly payments ) starting XXXX 2016. This was paying early, but I wanted to even out my bi-weekly budget and wanted the payment to come out early in the period. For payment due XX/XX/XXXX and late XX/XX/XXXX, I was paying 1/2 after XX/XX/XXXX the previous month, with the 2nd half paid after XX/XX/XXXX - so that the second payment would be received by the mortgage co. shortly after the XXXX. 

XX/XX/XXXX I got a call about being past due. I explained the situation and was told it would be fixed. I made an effort to pay 5 days later than I had been doing thinking that might help, but then I got a call XX/XX/XXXX saying I was past due. I agreed at that time I would not pay 1/2 payments anymore, and was told it would be resolved by XX/XX/XXXX. As of a late notice dated XX/XX/XXXX, I am late a full payment ( not just 1/2 ) as well as having late charges in the amount of {$99.00}.

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 explanation
Consumer complaint received 09/21/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive phone calls from this debt collector even after informing them they have the wrong person/phone number. They are calling about someone with the same first and last name as mine, but a different middle name. I have informed them of their mistake and they promise to remove my phone number from their database, yet I continue to receive calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (I do not know) with Collection Management Company (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My home phone number has fielded repeated calls from a debt collector at  XXXX  since  XX/XX/XXXX  . At  XXXX  on  XX/XX/XXXX  , the caller left an automated voicemail for a "  XXXX   XXXX   ,   XXXX  '' but nobody by that name has ever lived at my house. Ever since then, the caller has either left voicemails without stating a name or no voicemail at all. For most of this year  (   XXXX  ) they have called on Saturday mornings, usually before  XXXX  and often up to  18 t imes within a minute or two. I 've tried blocking their number, but their harassing usage of robo-dialers sometimes gets past my provider 's call-blocking system. Their most recent vxmail ( Sat XX/XX/XXXX  at  XXXX  ) again says that they 're a debt collection company but does not mention the name of the person from whom they 're trying to collect a debt. In any case, nobody at my house has any outstanding debts to be collected. I 'm not sure whether they 've been trying to reach "  XXXX   XXXX ,  XXXX  '' for 2+ years, but whoever they 're trying to reach THEY HAVE THE WRONG NUMBER and need to stop calling me.

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 08-12-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Taking out the loan or lease

Complaint: After a lengthy battle with Santander consumer USA. I filed several complaints with the office of the president, most recently I was working with XXXX from the office of the president. We came to a settlement agreement for the vehicle to be paid off for {$7200.00}. Well above the total that the maturity date would reflect. this vehicle was sold on XXXX/XXXX/XXXX to XXXX. Santander processed the payment on XXXX/XXXX/XXXX. After Santander received the payment and after I disputed via e-mail and speaking to XXXX directly, I continue to receive statements and when I call my account is still open, my credit report is reporting it as open, And as recently as XXXX/XXXX/XXXX I received another statement and they have increased my maturity date and charged me payments and interest ( after the account was paid and should be closed ), This is a breach of contract! I was over charged via deception ( the requested balance did not match the previous maturity date of XXXX, so they changed the maturity date to XXXX on the XXXX statement, after the car was sold. They breached our settlement agreement, reported harmful and erroneous information on my credit report, causing harm to my income/debt ratio. I reached out to XXXX on XXXX/XXXX/XXXX to correct this matter, he failed to do so, he breached our contract and the deception only increased. I now feel that the overage I paid of {$2400.00} should be returned to me. Previous balance {$360.00} X 13 months ( maturity date of XXXX ) totaling {$4700.00}. {$7200.00} ( amount paid by me ) - $ XXXX {$2400.00}. My credit report needs to be updated and I would like a correct statement sent to me as closed and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: hello My name is XXXX XXXX I am a former XXXX school student, the school that forced to sale their foundation by the department of education for providing false education anyway I am applying for the loan refund, however my issue is that when the school got us to sing for the privet student loan from an agency called XXXX. after a period of time I received an email saying XXXX is not my loan provided anymore. And University accounting service LLc became the new provided service that I have to pay back to them. my problem start here, my bill is {$120.00} a month. I am paying that amount for couple of months but every month I have interest accrued, when I asked them by phone the lady told me because I am paying the Miniman .then I paid {$300.00} for tow month that 's double the amount, but still interest accrued. after that I have contacted them by phone and email to send me the loan and interest polices to understand why interest accrued to avoid paying interest no one did what I have Asked for. no body provided me the polices. just what I am asking for is that they do n't want to provide me information about my dept. I do n't know now if they charging accurate or not. 
thank you the company website is XXXX my email is XXXXXXXXXXXX my phone is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with JP Development, Inc. (ID).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: A judgement was entered from  XXXX   XXXX ,  XXXX . Idaho has a   XXXX   year renewal.  XXXX  renewal  XXXX .  XXXX  renewal date  XXXX   XXXX ,  XXXX .   { XXXX } Principal debt { XXXX } Post-judgement interest { XXXX } Accrued costs { XXXX } Total debt The original debt is a mistake. The   XXXX   XXXX  , which has since closed, never presented the debt to defendant and judgement was made without our knowing. This is a complete mistake. We never received any information or opportunity to solve this matter until  XXXX  and now again  XXXX . The debt collector and  XXXX   XXXX  practice have the same address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (NM).
Issue: Managing the loan or lease

Complaint: THE BUSINESS WESTLAKE FINANCIAL A CA ' COMPANY HAS NOT REPORTED MY ACCOUNT AS PROMISED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Medical) with Automated Accounts Management Services (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid in FULL to them and they will not remove this from my credit report. It 's been over 75 days and it still appears on my XXXX as open

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Company has changed my open date to 2011, provide verification documents.

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 Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Struggling to pay mortgage

Complaint: Nationstar manipulated my property into foreclosure by continuing to purposely advise me to submit for a loan modification knowing upon the first submission, my loan did not qualify. This deliberate action has forced be to file for bankruptcy to stop any further foreclosure action. My loan was previously modified with XXXX prior to its transfer to Nationstar in XX/XX/XXXX. I was experiencing a temporary financial setback and not able to pay the $ XXXX monthly payment in full. I could only make partial but steady payments. I immediately notified Nationstar. A 90 Day Right to Cure Letter was included in the Uniform Borrowers Packet dated XX/XX/XXXX requiring {$3500.00} to cover XXXX and XXXX due by XX/XX/XXXX to avoid foreclosure. XXXX applied a total of {$5500.00} in payments from XX/XX/XXXX to XX/XX/XXXX, which paid the account up till XX/XX/XXXX leaving a balance of {$260.00}. When Nationstar began servicing the loan, a payment in the amount of {$500.00} was processed on XX/XX/XXXX and a payment in the amount of {$1300.00} was processed on XX/XX/XXXX. These payments should have paid the account up to XXXX with a {$310.00} balance, which technically cured the default. My first denial was on XX/XX/XXXX. Then I received a refund check onXX/XX/XXXX for {$760.00} with no explanation. When my payments were no longer being accepted, I called Nationstar. I was informed my property was in the foreclosure process. This is also when the new XXXX XXXX Flex Modification was mentioned and I was encouraged to submit a borrowers packet to be reviewed. A few days later came the attorney letter. After researching, I discovered Nationstar returned only the {$500.00} payment along with the {$260.00} balance. I received a call from Nationstar in XXXX advising me I was now eligible for the Flex Modification, my account was now 8 months in arrears. I received the 6th denial letter and was advised no options available but a deed in lieu, short sale or self sale. I was forced to file for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I kept getting a error at the end, telling me the " tell me more '' page had a error. That was my last and final error before reading that I was unable to get my report and had tried the maximum number of tries. I also got XXXX captha ( sp? ) wrong but this could not have been because I double checked each time and what I had typed in was exact to what was presented. I would just like to get my report without having to mail in for it. 

My husband is unable to get his online too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed the inaccurate charge off that is reporting on the XXXX Account # XXXX. This account either do not belong to me or it is incorrectly status. I would like this account removed from my credit file or the charge off status removed.

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 12/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Deposits and withdrawals

Complaint: I am the successor trustee for a trust account opened at Bank of America, branch located at XXXX. - XXXX, FL XXXX. 
The original trustee is deceased and I have been trying for over one week to gain rightful access to the account. I did provide a copy of the trust agreement, which designates me as the successor trustee, as well as the death certificate of the original grantor/trustee. However, nobody at the bank seems to understand how to make the proper modifications to the trust account to provide me with access. Time is of the essence and yet phone calls are not promptly returned, and when they are returned, all I get is stalling from the branch manager, XXXX. 
Their delays are causing irreparable harm to the trust. Please investigate and resolve this issue including any applicable penalties for the unjustifiable delaying tactics this bank is using.

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 04-07-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Working on a Chase/ FHA short sale. We have the XXXX issued by HUD and an offer that meets the required HUD NET - Chase has not responded to this offer submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Student loan (Non-federal student loan) with Integrity Asset Partners, Ltd. (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: i was issued a student loan, wrongfully fired, have a child on the way, the company involved stopped paying the loan, it defaulted, was given to Integrity Asset who has called constantly and made threats in my voice mail as far as suing and garnishment of wages

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Nationstar Mortgage and my mortgage payment includes an amount for my homeowners insurance. Nationstar has failed to make the insurance payment again this year and my policy has been cancelled again. This is the third year in a row this has happened and each time it happens the insurance company raises my insurance premium for the next year. I 'm stuck paying higher insurance premiums every year because they will not pay the premiums on time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: I had a credit card with Banamex. My account is closed. The company contacted me to inform me that the company was closing and they needed to send me {$310.00} ( refund ). They claimed they mailed the check but had the wrong address. I updated my address via phone and completed/mailed the required loss declaration paperwork in XXXX and I still have n't received my check. I called several times. This is my second complaint. This company is extremely unprofessional. I would like my check so I can officially termite the relationship.

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