milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: ( 1 ). My original loan on the the house I purchase was a predatory loan. 
( 2 ). At the original closing, the monthly mortgage was established on income from the previous state of residence, not the present state of where the house resides, where we are now. 
( 3 ). At closing the interest rate was in increase unexpected at the last minute / at the closing table to me the buyer. I was forced to take the offer coming from the State of XXXX to XXXX or be homeless. There was no family to rely on in the new state. All my furniture was setting in front of the property with no where else to go or be homeless. 
( 4 ). My loan was out side of the 31 % guideline mandated by federal standards after several modification attempts to lower the monthly mortgage payment. 
( 5 ). XXXX XXXX / Mortgage company waited a whole year before establishing escrow on the loan after modification, abruptly increasing the monthly payment to an additionaI {$600.00}. Escrow should have been calculation from the onset of the loan. 
( 6 ). Previous modifications never really made mortgage affordable, only a {$20.00} reduction in payment, so escrow arearages, interest, penalties, late payments made it very difficult to make the monthly mortgage, forcing possible foreclosure a present. 
Have supporting documentation of above issues

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXXXXXX CREDIT CADRD NO.XXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.

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 02-09-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: This deals with a small business checking account. I am President of an XXXX XXXX. The account is not very active. When trying to access the account to make some end of year distributions, I was informed the account was marked 'Inactive ' since no checks have been drawn in almost one year. No notification was given prior to being put into the 'Inactive ' status. The banks policy is then, after one more month, to mark the account as 'Dormant ' and turn the assets over to the state as 'Unclaimed Property '. I find this totally unacceptable. Specifically, to take such actions without attempting to notify of any impending steps. The bank has current contact information -- address, telephone and e-mails. I have regularly logged-in on-line to access the account but this was insufficient to consider the account as active. No attempt to contact was made before taking actions. I have contacted the bank and they confirm that this is their policy. I find this totally unacceptable and counter to the public good. Please note that I also have personal accounts that are very active and accessed via the same user ID and password. Nonetheless, the back never considered these before taking actions.

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 09/13/2015 about Mortgage (Conventional fixed mortgage) with CONTOUR MORTGAGE CORPORATION (CT).
Issue: Application, originator, mortgage broker

Complaint: Contour Mortgage who is a XXXX approved lender has been holding up the loan with minor details. I have extended the purchase twice with the seller and now moving into a third extension, which will now cost me $ XXXXday until the closing. Numerous attempts to rectify any and all problems, but emails and phone calls go unanswered or fall upon deaf ears if a human is reached. I have been jumping through hoops to find out there are more hoops to jump through. I have satisfied all request only to find it was not good enough or they need documents that were already sent. Some documents have been sent 2, 3, and some 4 times. They do not follow the XXXX guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: While I am a unhappy USAA member for other reasons, I decided to post mygrievances within the public USAA Member Community forums. These were about excessively long funds holding times and NSF charges due to regularly scheduled bill payments and these fund being on hold ( although they were from a Cashiers Check ). 

After a few comments and conversation with other members, XXXX in particular " XXXX '' and " XXXX XXXX '' were posting information that only an internal USAA employee wouldhave access too. Specifically the user " XXXX '' knowing that I had filed complaints over the past three years. ( Forum conversation in PDF format is attached ) I would like to know what will be done with this as it is very retaliatory in nature and crossed the line with CyberHarrassment laws ( TX XXXX ). 

I have copies of all correspondence and of the forum posts showing confidential information being posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems caused by my funds being low

Complaint: I was charged on a XXXX NSF fee because my account was overdrawn {$0.00} cent due the Bank of America moving the {$0.00} to the other account from the Keep the Change program. When I called into the Bank on XXXX XXXX I spoke with a lady and she said that I will reverse the XXXX fee because the amount was less than {$1.00} and due to the system being slow the refund should credit my account by XXXX. But XXXX had came and gone and the funds had not credited my account. I called back and used the chat system to inquiry about the funds and was then told that I would not get a fee reversal even though the fee was caused by an amount less than 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 monetary relief
Consumer complaint received 08/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: XXXX UniversityXXXX XXXX, OHLender is Navient ( formerly XXXX XXXX ) I have been fighting for 9 years about a loan because I was not aware of any students loans being private loans. When I was in school, I only used FAFSA and I used loans from XXXX XXXX and XXXX. I was not notified that these were private loans. In fact, all of my loans had to be cosigned because I had no credit. I spoke with them many many times about this loan and explained that I did not request private loans ever. In 2011, my parents filed for bankruptcy and all of the loans that were cosigned by them, were dismissed in their bankruptcy. I no longer have XXXX loans on my credit because of this. Unknowingly, XXXX more loans appeared on my credit and my mom 's credit recently. When we talked to them about it, Navient told us that they were cosigned by my stepdad, who is deceased, and that they have always been loans with them. To my knowledge, these XXXX loans were not my loans nor were they loans my stepdad cosigned for because they would have been put into his bankruptcy and discharged along with the XXXX loans. These loans are now hurting my credit because I ca n't pay them back. I am a XXXX Veteran and am on a fixed budget. My federal loans have been discharged due to my XXXX and I can not get Navient to forgive these loans. They have continued to rack up interest and shows past due because they will not fix it. According to my report, Navient has reported that the loans have been written off or charged off as bad debt but yet the interest continues to rise and past due amount continues to rise.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my credit re ports (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n ot be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order Please rem ove these inquiries from my credit reports immediately.

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 05-05-2017 about Debt collection (I do not know) with National Credit Systems,Inc. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This debt is ov er 7 years old and i m still having problems with this company damaging my credit. This company chages there name everytime i dispute negative information on this company. the bureause will remove the item but this company vwill comeback as a new company and report negative things on my year,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On or around XXXX-17 I noticed that account that were discharged in bankruptcy were still showing on my credit report. I no long wish for my personal information to be available through XXXX XXXX, XXXX, Experian please opt me out of any and all commercial services available to the public or Third party companies. The following companies and information is list in error on my credit report : XXXX XXXX XXXX # XXXX, Please delete error. This account XXXX XXXX # XXXX was in a Bankruptcy please delete error. I was under the impression that bankruptcy information and date was being removed from credit reports if that can be updated that would be great so I can refinance my home. These account XXXX XXXX XXXX # XXXX, XXXX XXXX CO XXXX XXXX, are listed wrong please delete bankruptcy.

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 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have consistently had credit issues due to my credit information being incorrect. I 've disputed items on several occasions only to have them reoccur again and I am extremely upset and fed up with this problem. I have a XXXX sister who 's name is similar to mine and social security number that is similar as well. Under my reports is all of my information and hers as well. This includes her married last name and maiden name, all of her previous addresses, her car loan information, credit cards, school loans, and phone bills all under my acct. I 've explicitly stated our social security numbers need to be separated indefinitely it is ruining the way I am trying to live my life. I 've been refused phone contracts for this and credit cards. More recently XX/XX/XXXX, unrelated to mixing up my sisters and my personal information, I was refused gas/light service in my name for my first apartment due to my name being used for a gas and light bill while I was away at college in XX/XX/XXXX. The company, XXXX, now wants me to do my own investigative work before I can successfully put these much needed utilities in my own name, which could take months. My move in date by the way is in less than 2 weeks. It 's completely absurd and if I could sue the credit bureaus I would for time and continuous pain and suffering.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Please conduct a reasonable verification on the BK that is on my Experian Report. Please provide proof by supplying documentation that shows my Name, Address, and Signature for the alleged item.  Also, provide the Name, Address, Telephone number, and Signature of the person verifying the alleged item. Per FCRA section 609 the documentation should be provided within 30 days. If proof of documentation for the BK can not be provided please Delete and Remove the alleged item from the credit report. Thank you.

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 06/28/2017 about Debt collection (Auto debt) with ULRS, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I XXXX XXXX Contacted Credit Collection Bureau to settle a debt of {$400.00}. I politely spoke to a individual name XXXX concerning the account number XXXX-a credit account number XXXX. I wanted to negotiate an amount to close this account and do the right thing by paying this financial responsibility within reason. We spoke on a Friday and had inform her that I would call the following week. I then received a phone called from a person named XXXX XXXX who called from a company name United Legal Group. First and foremost i never gave this company permission to call the number that was contacted. This person who I assume is a male was very unprofessional he told me that this account was escalated to his department and I now owe an amount that I had never been made aware of. This amount was some odd thousands of dollars. He spoke to me about his religion and that he was fasting. He began to tell that god XXXX needs this money. He said God does this work i need to pay him ( God ). At one point we had agreed to settle this debt he would ask his supervisor if the amount I would offer would be an ok. He then claims to be a manager. I then decided to end the call after all the unnecessary statements that was made by this person. He also threaten me that he would put this negative remark on my credit. I asked this person to not contact me and I stated that I never Gave Him permission. I then received other harassing phone calls from others at this United Legal Group. Im writing this information to be protected in some way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The credit bureau Equifax refuses to remove an item/account in dispute that I have provided documentation for from the collection agency that states they will request to have this item/account deleted. I 've spoken to several agents all with different answers and no solution. One agent ( XXXX ) claims the document was n't legible, so I 'm submitting the document in this complaint to ensure legibility.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 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: Problem with personal statement of dispute

Complaint: This company has rejected many of my disputes that I had with debt collectors on my report. I was able to remove all of the ones that was originally rejected by the reporting agency because the debt collector was not able to validate account. 

I thought that the credit beau, of all people, would validate the account when disputed, but they do not. They just always assume that the debt collector is right with no challenges. 

I was able to do it, why wasn't the credit reporting agency able to do this when i disputed? This is what they are suppose to do, right? In most disputes i would get a generic response saying that the debt has been verified and is a true debt and they leave it on my credit report with no explanation as to how they came to that conclusion or why. 

Some of the debt collectors that i successful removed from the credit report is as follows : 1 ) XXXX  county court 2 ) XXXX XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX

8 ) XXXX XXXX XXXX XXXX XXXX  
9 ) XXXX XXXX Collections Department 10 ) XXXX XXXX XXXX I am working on a couple now as we speak.

NONE of these should have ever been placed on my credit report so that means that you do not validate the claims prior to posting them like you are suppose to.

I plan to sue this Company for damages to my credit, punitive damages and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 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: Was not notified of investigation status or results

Complaint: There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted. 

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus  reports different info? 

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX Account Number : XXXX I sent police report. was ignored I sent affidavit document was ignored I did all the legal way. I sent all my documentation proofing that I 'm a victim. Nothing to even respond. I have all my certified mail copies and return label also and I did upload file came from XXXX XXXX which is totally not an application seriously. it does n't provide me account number or anything. Also when I called and ask Experian and XXXX customer service they told me we ca n't give you response and any documentation and this will stay on your report forever as long as they want and that 's totally wrong honestly and I 'm feeling now these companies they are violating my rights please help and no one above the law that 's what I believed forever. please give me a written documents that my signature on it or delete this. 

Please, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 

In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or removed immediately.

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