milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My   XXXX   credit bureau was pulled by  Continental Fin  Co on both   XXXX   and   XXXX  . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

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 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I contacted XXXX XXXX to pay off my entire loan in 2005. However, they refused to give me an exacted pay out and suggested that I make the monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian and XXXX have failed to remove inaccurate information from my credit file. Furthermore, there inaccurate reporting has caused an undue hardship with my work life an living arrangements. Specifically, Experian continues to report a charged-off account, which I am no longer liable for, and the account is also legally past the 7 year reporting period and has also been removed from the other XXXX major reporting credit reporting companies. Additionally, XXXX continues to report a bankruptcy that has been dismissed and is past its legal reporting time period, his reporting inaccuracy continues to cause me an undue hardship.

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 05/19/2015 about Debt collection (Non-federal student loan) with States Recovery Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by States Recovery Systems Inc 11 days before my arranged payment due date. I found it odd that I was contacted by an individual ( XXXX XXXX ) that does n't typically handle my account. He asked if I wanted to set up a postdated payment and I informed him that today was just the XXXX and I have 11 more days until my payment is due ; therefore I 'll call in on my due date like I always do. I informed him that I am one of the few people they may deal with that actually calls in to make my payments and I do n't need them to call me. 

Though I informed him NOT to set up a postdated payment and I will call in on my due date ( XXXX ) like I always do. As of yesterday ( XXXX/XXXX/15 ) I received a letter in the mail stating that a postdated payment has been set up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Struggling to pay mortgage

Complaint: Bank of America servicer for XXXX XXXX, is the plaintiff in a foreclosure motion in superior court of nj, that that does not mention XXXX XXXX or the Trust originally listed on earlier paperwork As plaintiff to the foreclosure motion as required by law. Also Bank of America originally sent us 3 different loan modifications letters in 2016, which we accepted, paid the 3 trial payments, even though the payment amounts changed with every letter they sent, causing us more hardships ... when we finally became permanent, the balances of the account were incorrect and Bank of America servicer of the account has never rectified the incorrect balances due to the modification letters they incorrectly kept sending us. We ask the CFP to please have both Bank of America and XXXX XXXX answer these serious issues, concerns and hardships caused and request an immediate stop of the foreclosure actions in superior court of NJ and request for 3rd party mediation. Many Thanks. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX / XXXX /  XXXX   I have been applying for Mortgage Loans and  Auto Loans and  they are trashing  my credit score  and providing false information. All credit reporting Agencies.     Key Factors -  XXXX  - Need to find the best loan possible, if they were not all thieves I could just apply and move on.    XXXX  - I have  XXXX  checking account  XXXX  and an auto loan through  XXXX  and I have to many accounts?    XXXX  - I keep a consistent balance in my checking account and double up on my auto loan for early payoff, I have no high balances or revolving accounts.    XXXX  - I have been paying on my auto loan. An installment loan is a type of loan that is repaid in periodic installments ( usually monthly payments ) that include principal and interest.What is the problem?

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 01/24/2018 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a letter from " Transworld Systems Inc. '' dated XX/XX/XXXX stating that " XXXX XXXX XXXX XXXX has placed you account ( s ) with this office for collection ''. 

The original toll fee is {$8.00} and the additional ( late ) FEE is {$100.00} for a total of {$100.00}. Let it be known that I will gladly pay the {$8.00}. 

It has taken me 2 weeks to respond to this notice because since the date of violation, XX/XX/XXXX, I have moved from XXXX XXXX to XXXX and so it has taken 2 weeks for the mail to be forwarded to my new address. 

About a month ago I spoke with XXXX XXXX XXXX XXXX re : a similar issue ( if not the same issue ) and I paid my debt and CLOSED MY ACCOUNT since I no longer live in the State of XXXX XXXX. 

Now a month later I am receiving a letter from a debt collection agency and I am confused. I want to settle this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Home equity loan or line of credit) with Mirabella Investments Group, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, XXXX a Corporate Assignment was executed and my Second Lien Mortgage was transferred to Mirabella Investments Group, LLC, and payment statements were never sent. XXXX XXXX, XXXX, I received a " Borrower Welcome Letter '' stating, " Welcome to XXXX XXXX XXXX , XXXX ( " XXXX '' ) loan servicing! XXXX is your Servicing Agent and is servicing your Mortgage Loan on behalf of our Lender/Creditor, Mirabella Investments Group, LLC ( the " Creditor '' ). XXXX XXXX, XXXX, Mirabella Investments Group, LLC transferred the servicing of my loan to XXXX XXXX XXXX , XXXX ( XXXX ). While XXXX and I were in the process of a Loan Modification, I filed for Bankruptcy to postpone the foreclosure sale, my attorney missed the hearing and my case was dismissed ; Mirabella Investments Group, LLC quickly foreclosed on my home without notifying me or XXXX. XXXX XXXX, XXXX was my last Loan Modification Package submitted with new information. XXXX XXXX, XXXX, I was told to referred to the denial letters of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I was informed by my First Lien Mortgage Loan Servicer, XXXX XXXX XXXX, XXXX 's employee of the Office of the Consumer Ombudsman that my home could not be sold to a third party unless the First Lien Mortgage is paid in full. On the contrary, my home was sold to a third party, and I continue to pay my First Lien Mortgage ( HAMP ). Mirabella sold my property for {$160000.00}, but my property is valued at {$1.00} XXXX. The First Lien is still my Debt, which I am still responsible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with BSI Financial. Numerous times I have requested a loan modification. Several times I was in foreclosure and borrowed money to bring my loan current. Now I am in foreclosure again. I was forced to file a Bankruptcy last time in order to keep my house. Numerous times I send the qualify written request and no replies. My accounted has called the BSI everyday for the last week requesting a payoff statement. No payoff statement yet. Every time my accounted calls they inform him to leave a message for a person named XXXX XXXX who never once returned a phone call and or even replies to emails send from customer service. All I can say they are the worst servicing company. They are going to cost me my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I pulled my credit report a few days ago to see why I was not getting approved to rent a house. I saw on all of my credit reports that Bankruptcies were being reported on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds or the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The XXXX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 
If XXXX can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number 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
Consumer complaint received 04/27/2015 about Credit card () with U.S. BANCORP (VA).
Issue: Rewards

Complaint: XXXX XXXX and US Bank have retracted some of the key features ( bonus night award ). of their loyalty visa signature credit card. I have paid {$75.00} to use these benefits, spent thousands of dollars on the card in the first 60 days and now they are taking away a benefit that I Just paid for. They advertised this benefit up to the last moment and without warning remove that feature ( XXXX months warning does n't count when we are talking about travel benefits ). I feel this is extreme bait and switch. 

In the marketing material and in my signup legal paper work, XXXX XXXX and US Bank describe the " Bonus Night '' benefit as " bonus award night exclusively for card members ''. Card members must pay {$75.00} for this benefit. They then must use the card to earn points to use benefit. I have signed up for the card last month and already spend thousands of dollars on the card to use this benefit, that I was promised and paid for. Now they have sent all card member notice they are removing this benefit. A benefit I paid for and have not enjoyed. They gave card members 2 months notice. Unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Yesterday i received an email from XXXX XXXX stating that there was a major change to my credit report. I looked into this, and there was an inquiry from something i have never even heard of. XXXX XXXX   had issued a inquiry to my account without my consent. I tried calling XXXX XXXX, and they were very unhelpful. They told me i had to call Transunion to dispute the issue. Okay, so I tried calling Transunion. Transunion told me i had to get XXXX to send me a letter of deletion so that i could then forward it to Transunion, JUST so they can remove the inquiry from my credit report.I tried calling XXXX back and they told me they couldn't send me the letter until it was disputed These are alot of hoops to jump through for someone who didn't ask for this credit inquiry, and neither company is helping me out. Each one is just essentially telling me to go to the other to make progress so there for there is nothing i can do. I did not apply for a loan or a new credit card through XXXX XXXX  and to my best knowledge, it is actually illegal for them to pull my credit report without my consent.

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 (Credit card debt) with CITIBANK, N.A. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice on   XXXX   XXXX   from  Citi Cards  indicating that I have a balance on my  Macys Citibank account  in the amount of {$210.00}. I want to dispute this amount for the following reasons : A. The amount of my original purchase was only {$27.00} and the remaining balance of {$180.00} represents late fee charges and interest.    B. I ne ver received a billing statement because the wrong address was entered by your sales person at the time I established the account. Both  the street addr ess and the town were incorrect.   C. According to   the Citi Card representative the billing statements were returned to you marked incorrect address.
D. No one from Macys every con  tacted me either by email or phone to let me know of a problem.     I am only willin g to pay Macys the amount of my original purchase. I contacted the Citi Card number to arrange payment and they indicated they could not make a credit adjustment for the {$180.00}. They were very unhelpful and also when I called Macys  dispute department I continually was redirected by Robo-phone to your Customer service department who told me they were not authorized to make an adjustment.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 have contacted XXXX credit reporting a few times requesting that they please report my XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my XXXX credit score. I was told I need to contact XXXX and have them report it to XXXX. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to XXXX. I could not get any help. I called back XXXX and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my XXXX credit report.

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 08/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I am a homeowner in N.J. and eventually had my mortgage sold to Greentree Mortgage. Almost from the start I had problems. My monthly payment went up so much that I started to, and continue to struggle. When I would ask why it went up considering neither my taxes or INS went up, I was told a different answer from each person I spoke with until the last person I asked told me that I have a " floating escrow '' and so sometimes they will make my payment higher to satisfy this ; mind you, I have always had a fixed rate. I asked how they could do that and they said Every company does this. Well I asked a friend in the business and she said there 's no such thing. I was continuously harrased by very rude, harsh, and sometimes mortifying phonecalls that actually brought me to cry if my payment want made by the first. I have never ever been late on a payment yet they have in their records that I was once and told me it was on my credit report. I was also charges every month for years a {$12.00} convenience fee for my payments and was told unless I mailed my payment in I had no other options ; that want feasible due to me nit always having enough until the end of the month. I tried to leave them several times but was unsuccessful. I looked on the internet and constantly found similar complaints about this company and today I came across some sort of settlement from a lawsuit but it was from 2015. Recently they were supposedly bought by a new company called Ditch but I believe it is still Greentree, just under a new name. I need to get out of this company but do not know how and I believe they have stolen money from me for years but I do not know where to turn. I am desperate and need help so if there is anywhere you can direct me to start I would be extremely greatful. Thank you so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Other fee

Complaint: Capital One ( Quick Silver ) credit card continues to charge me an interest charge on cash advances. In the last several years they have charged me between $ XXXX {$700.00} in interest for these bogus cash advances charges. The company is not helpful in resolving these matters. When I talk directly to them, I am sent to a number where the person on the other end can not speak fluent english which creates a communication barrier. They seemed to use stall tactics, putting me on hold for up to XXXX minutes. There has been no resolution in years on this matter. The response is always the same, " you must have made a cash advance transaction. My last response from Capital One was not productive in getting them to stop these bogus cash advance charges. They seemed to acknowlege that the stores where I make purchases from are coding them in a certain way therefore creating these charges. When I have asked local merchants about this they have no idea what I 'm talking about. I believe this explanation is baseless and is an outright lie. For now the charges continue although they have now decreased in the amount from $ XXXX {$6.00} down to XXXX on these transactions. This is not ethical and I consider it to be theft on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have contacted Navient 8 times about consolidating my student loans in order to qualify for a mortgage. Each and every time I have called I received different information with all of it being incorrect or wrong. I have tried in vain to get someone from Navient to help me, but no one seems to be able to give me any information that is useful for a course of action. I guess people with student loans are n't allowed to buy houses. With no other options presenting themselves I have come to the point of filing a complaint here and writing a letter to my senator.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus Equifax and XXXX. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call Equifax and XXXX they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, XXXX, Equifax, and XXXX. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.

Company response to consumer: Closed with explanation