milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have sent  XXXX ,   XXXX   and Equifax each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17 Mailed Address, Name, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX  Delete all other irrelevant information per my letter and only report the current updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was included as part of the Equifax security breach, made public on XXXX-XXXX-2017 ( www.equifaxsecurity2017.com ). Equifax has mishandled my personal information and the information of millions of other people. In response to this security breach I am placing a credit freeze via all three major bureaus, at a cost out of my own pocket. Equifax is merely offering fraud alert services to affected victims, which does nothing to stop fraud and merely alerts people that Equifax 's lack of proper information handling is now affecting them. Equifax should offer free credit freezing to all affected victims and reimburse any victims that have paid for credit freezes out of pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Transunion continues report inaccurate personal information about me and continuously reports inaccurate accounts on my credit file. I have tried numerous times to ask that they investigate per the FCR A 611 ( a ) ( 6 ).  None of the dusts have ever had a proper method of verification where as they would 've provided me with PHYSICAL documentation and proof of these accounts. They just state words like remains, verified, and meets requirements of the FCRA. In no way shape or form is that a verification. These accounts are not and have not been verified and I have provided documentation that I am again providing along with my identification to delete thees inaccuracies.

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 06/16/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I originally submitted dispute XXXX in reference to taking more than 30 days to respond to a dispute that I sent to Equifax. In my original dispute I submitted documentation to support my claim showing that Equifax did indeed exceed the 30 day window. Per my rights as a consumer, I must receive some type of response within 30 days. I did not receive a free credit report so therefore they should have been able to return the report within 30 days. They did not mail to a physical address, they submitted it to my email which should have been quite simple and quick. If they were finished on time, it should have been submitted back to my email with no problems. I am disputing the reason that they need 60 days to determine that they did not complete within 30 days and am possibly looking at pursuing legal action against Equifax because of their unprofessional conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (FHA mortgage) with PRIMARY RESIDENTIAL MORTGAGE (AR).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I contacted Primary Residential Mortgage, XXXX on Monday XXXX XXXX to start the mortgage process. I spoke with XXXX XXXX. I filled out the application the next day. He called me back to tell me I need to pay on a credit card to hopefully raise my credit enough to get approved for a loan with no money down. The next day, Wednesday, XXXX XXXX, I contacted XXXX XXXX to get a copy of my credit report that he didnt go over with me. We only spoke about the XXXX card. He asked why I wanted it and asked, what are you doing? I told him I wanted my credit report to look over it and that its mine. I asked to speak to a XXXX. XXXX XXXX hung up on me. I called back and spoke with the XXXX, XXXX XXXX XXXX, and told him what happened. He was not very concerned but told me he would mail me a copy of my credit report. On Thursday, XXXX XXXX, I still had not received my report, so I called and got XXXX XXXX XXXX secretary. I told her I still had not received my credit report. She called me back to say XXXX XXXX XXXX advised her he had requested it on Monday, XXXX XXXX, and I should have it soon. That was almost a week after I had asked for it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Credit card debt) with Gatestone & Co. International Inc. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XXXX/XXXX/XXXX, in the course of debt collection activities related to my account, Gatestone & Co. International Inc. ( the debt collector ) contacted a 3rd party via phone and violated the Fair Debt Collection Practices Act with the following actions : ( 1 ) The debt collector, without being requested to do so, voluntarily identified Gatestone Collection Company as his/her employer, a violation of 804.1, and ( 2 ) the debt collector stated that the purpose of the call was to collect a debt, a violation of 804.2, and ( 3 ) The debt collector, without my consent and without being requested to do so, voluntarily gave the 3rd party identifying information for my credit card account and the exact amount owing per the debt collectors records, a violation of 805b.

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 03/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Many times I did disputed an account that showed as an adverse account in my Transunion credit report. I sent by mail and uploading online legal documents to support my dispute but the credit report company results indicated that this information wo n't be deleted.

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 06/13/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX my husband and I were at the SteinMart in XXXX, TN. and the cashier asked if we would like to open a credit card to get discount -- I said yes, the cashier said it did not go through and a supv tried something else to no avail, so we paid with our Debit Card. Fast forward to XXXX XXXX and we get a collection letter about the charge off on XXXX XXXX, XXXX ... prin {$220.00}, int $ $ XXXX {$390.00}. We disputed it and they researched then yesterday, XXXX XXXX, XXXX, sent " our stmts as proof '' ... problem is the address was wrong ( bad : ONLY XXXX XXXX ) ... we never rec 'd a credit card, any stmts, or any collection calls ( that left a VM ). We just spent 1.5 hrs being transferred from dept to dept in both SteinMart and Synchrony bank -- ALL had bad attitudes and were just trying to collect a " bad debt '', or even said we had to deal with XXXX XXXX since it was charged off. XXXX do n't want to hear it either ... .so frustrating!!!!! We have our bank stmt that shows the transactions were paid by our debit card -- not charged which I have attached. I do n't know if fraud or huge mistake, but I do no we did not charge anything and did not know we even had a credit line until saw it on a stmt that XXXX sent. I hope you can help resolve this and get ANY negative ratings removed from the credit report, which must be horrendously bad ( lates and charge-off ) ..Thank You for any assist.

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 09-08-2016 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a payday loan from Big Picture XXXX and did n't expect my pay back amount to be so high in interest. They approved me for a {$420.00} loan and when reading the interest it will be over {$2000.00} or more to pay off .... Misleading information .... Too high of a fee for a {$420.00} loan ... Please help

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On XX/XX/XXXX, I proceeded to call Navient about two items : removing cosigners, and lowering the monthly payment on two of the four private loans. In regards to removing cosigners, they implemented in recent years that the student would need a degree or certificate ( proof of program completion ) as a requirement. This was not the rule back when I opened the loans in XX/XX/XXXX. I have been able to pay the standard monthly payment for over a year now, and they still deemed me ineligible to remove cosigners. I believe that this is a scam to force the borrower ( s ) to pay. I explained to the representative that I work full time and had no intention of completing school. She explained that of their requirements to remove cosigners, if I was missing one item, that I was disqualified from taking such an action. Being denied, I moved on to ask for a payment reduction, and what options were available to me. The representative explained that my only other option was an interest only option. This I find completely ridiculous considering that I pay {$1100.00} across four private loans and it all goes into interest only as it is. I can not make a dent into principal amount. I tell the representative that interest only payment was absurd as it is, and I requested their rate reduction program. The representative explained to me that the option I requested was through their collections department, and that she 'd forward my call to said department. I wait on hold for a couple of minutes until someone in collections picks up my line. The representative here proceeds to ask for my name and what was I calling for. I explained that I wanted to apply for the rate reduction for two of the private loans. He asks for the loan I.D 's, I provide, and he then tells me to wait a moment. I wait only to find out that the representative had hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Bank account or service (Checking account) with DISCOVER BANK (RI).
Issue: Account opening, closing, or management

Complaint: Continuation of CFPB complaint XXXX

Discover Card has now taken retaliation steps in regards to the complaint recently filed against them referenced above.  After I filed the initial complaint, the company closed out my checking account which was in good standing.  I am absolutely disgusted that the response to a consumer protection complaint is to further harass and take discriminatory action against the consumer.  

I sincerely hope that the CFPB can rectify this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I currently have a lawsuit pending with Midland Funding/ XXXX XXXX in which they are trying to collect almost double the amount that would have been due to the original creditor. Additionally, they have submitted documentation such as general bills of sale, computer generated account information, robo signed affidavits, etc. These are violations that they were just recently cited for in the CFPB consent order. They have provided no actual business records and the information that they have provided is generally incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After I graduated from college, I was unemployed for 8-10 months. During this time I would get a lot of harassing calls from Navient. They set my monthly payments to $ XXXX for my student loan payment. I was unemployed and there was no way I could pay that amount. So I called and called to get a better rate, during this time they sent me to a debt creditor. Now I am a college graduate with a credit score of 500 ( due to Navient student loan ) and unemployed. So this put me on hold from getting my Federal Clearance. Now I ca n't get this good job on the XXXX and I ca n't receive a Top Secret Clearance because of my poor credit score. 
Navient then sent me to a debt collector called ( XXXX ). XXXX was the worst headache of my life. They first tell me, I ca n't become current in payments until I make ( 9 ) consecutive payments/months. So this means my credit will be awful for at least a year. So I begin to make the payments, now my total loan amount is creeping up daily. After the third payment, they stop collecting my money. I call daily trying to make a payment, they then tell me I have to start my program over because I missed payments ( payments they REFUSE to take out of my account ). 
So then I consolidate my loans, so no more XXXX. So I become current in my ( {$83000.00} loan ). Mind you my school fees were $ XXXX, so I have no idea why I am paying {$83000.00} and this is not including my Masters Loan. So I am trying to set up a payment plan Navient. The payment they tell me is $ XXXX, so we come to an agreement to pay {$230.00} after I sent them my monthly bills and income. Now I am still unable to acquire a Top secret clearance, my loan is increasing Daily, and now they only take the money out for the first month. Then I check my statement again and they never continue to take the payment, so my credit score will never increase and this is just a big head ache. I just wanted to go to school and become successful, I never thought the result will mess my credit up so I can now never receive a Clearance, buy a house or a car.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian has allowed some company called  XXXX   XXXX   XXXX  to place a collection on  the Consumer Repo rt they keep against my name. I have no relationship to this company, i do not owe them an y ,  and they have never sent me a bill or notice of default. i tried calling the company and they dont answer and have not returned my messages. Experian will not provid e me any avenue to dispute this f alse information and have it removed from the report they keep against my name, they essentially accomplices at this point to a company that has broken the FDCPA and is fraudulently defaming my name and costing me money due to poor credit rating.

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 04/22/2015 about Mortgage (Other mortgage) with BANK OF THE WEST (NH).
Issue: Loan modification,collection,foreclosure

Complaint: Foreclosure Proceedings have been set for XXXX XXXX, XXXX and I am trying to prevent this Foreclosure as the bank has not followed through with what we have agreed that I will obtain new Financing to remove them from the note and they will not work with me. Please contact me with what ever you need from me for documentation as I have a substantial amount of information/documentation and can provide whatever you need. I had filed for bankruptcy protection in XXXX of XXXX as the Bank of the West filed for foreclosure at that time. XXXX/my attorney at the time agreed that we should have the case dismissed and this would allow the new bank I currently am working on refinancing ( XXXX XXXX XXXX XXXX XXXX ) ( new Bank ) to remove them from the SBA guaranteed loan. I/we have followed the protocol as outlined by the bankruptcy judge and have continued to make the monthly payments of {$2600.00} of which they mailed XXXX XXXX, XXXX payment back to me stating that they have already filed for foreclosure of XXXX XXXX, XXXX. AgainI have made payments as outlined in the bankruptcy proceedings and have made them prior to the due date. Besides what is listed above XXXX has further requested the following:1. ) XXXX has asked them for all of the Financial back up including what they claim to be in arrearage. 
2. ) XXXX has asked to set up payment arrangements once we have received the financial information ( again to no avail ) 3.why would they contact my Investment property owned by me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX ) which has a Tenant living there. The tenant whom received a notice to vacate the property prior to the foreclosure sale of XXXX XXXX, XXXX has XXXX young children and is a single mom now has severe XXXX over this. This property deeded to XXXX XXXX XXXX has a lease agreement with the tenant whom was unaware of all of this. 
4. ) XXXX/I have asked for a full accounting detail break down of the account since it inception to assure that funds have been properly applied. 
5. ) What XXXX has received is very vague and I am not sure how a loan that shows a principle balance of XXXX XXXX round figures ) and a maturity date of XXXX XXXX could now be stated ( according to what vague we got XXXX {$31000.00} how can the loan go up from XXXX to XXXX???? 
6. ) Does this stop stop the foreclosure process until this matter can get resolved and or the financing can get put in place and remove them? 
I do intend on filing with the Consumer Finance Protection BureauRespectfullyXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My urgent matter involves foreclosure I 'm a young XXXX XXXX in the process of trying to get a XXXX and save my home at the same time but it has become overwhelming. After being XXXX retired the military terminated my BAH ( Basic Housing Allowance ) and since then it 's been hard for me and my family. On or about XX/XX/XXXX I was almost 3 months behind on my mortgage and I tried to pay for two months of payments and they refused to take the payments and they then stated they could n't help me until I was three months behind. My lawyers have submitted documents to request a loan modification but within a 2 month period they state that I make too much or not enough. I now have a sale date of XX/XX/XXXX. So its clear they have no intention to honor a loan modification. I received a loan modification on or about XX/XX/XXXX but it was still a financial burden. I excepted the terms because they stated If I did n't it they would terminate the loan modification and I would have to start all over again. As a XXXX XXXX veteran I 'm not suppose to pay property tax but they still charge me. In addition, we had a certified forensic loan audit which depicted fraud on the loan. Our XXXX report revealed our note was split-apart or fractionalized, as separate accounting entries and deposited ach Class is insured up to 30 times the face value of each Note therein, which is permissible under the Federal Reserve System. I have no problem providing forensic audits and securitization reports. I want justice and my home. Freedom is n't free!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: - In XX/XX/2017 our Mortgage company changed names from Nationstar to Mr Cooper. 

- During this time our mortgage rate adjusted to a $ XXXX monthly increase. 

- Mr Cooper sent e-mails of the change and approaching rate increase which went into our junk 

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: Bank of America is refusing to give me any assistance. I have contact them multiple times and each time they deny any request for me to go on a payment plan of any sort. I have requested multiple time and each time the bank denies me and claims I can afford my payment even though I have gone over the information with them multiple times. I had medical bills in XX/XX/XXXX/XX/XX/XXXX that are in a personal statement on my credit report. They deny me every time even though they do not have a full copy of my credit report and they can not see my medical bills. They do not request exact information they ask you to estimate and they do n't request documentation.

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