milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: When i was a day late, XXXX 's began calling me several times a day, up to XXXX, thus being harassing in collecting a small payment. I have been an ideal customer and made on time payments for over XXXX months. I finally gave in and returned their call today at XXXX pm and told them i would be making my barely late payment tomorrow. They informed me the calls would continue until the payment posted. I asked to have my phone number removed from my account as i do not have unlimited time to devote to their harassment. they agreed, and at XXXX they called me again. they need to be penalized for harassment, XXXX phone calls in XXXX day is complete overkill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a cosigner of my granddaughters student loan back in 2003 through XXXX XXXX. When payments were not made they sent me a letter and I made sure the accounts became current. XXXX XXXX split off or sold to Navient. I was not notified and had not heard anything for a long time. This past Monday I was paying a bill online and notice my FICO score went from XXXX to XXXX. I immediately printed my credit report and found to my surprise Navient reporting late payments. I called Navient customer service in XXXX and they looked and said they email notices. Number one they did not have my email on file so she changed it. I followed the instructions of disputing the drop in score and sent part of my credit report and a letter about them not notifying me about anything. I had intentions of giving them an opportunity before making a complaint but in my email of Monday when they added it they also sent another email and in the account they showed where they had sent emails. They did not have my email address until Monday so it seems they are trying to get out of admitting the problem. What I want is my credit as it was. I noticed online that Navient has many complaints against them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: National Credit systems on behalf of    XXXX   XXXX   XXXX   removed the account from credit report and placed it back the same day. According to FCRA, they were supposed to notify me 5 days before placing it back, which they did n't. They violated FCRA. This should be removed from my credit report. I paid to have it removed after they did this, so I need my money refunded as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (I do not know) with Law Office of Linda Strumpf (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a letter from the XXXX XXXX of New York in regards to Notice of Garnishment. Judgment creditor from XXXX XXXX XXXX that I have never heard of until XXXX days ago. I have never received any notices of any kind regarding this matter. The judgement states that I owe over {$27000.00} that I have no idea to whom or for what. I have excellent credit and have never had any judgements against me. Is this even legal or am I in a case of mistaken identity?

Company response to consumer: Closed
Consumer complaint received 01-06-2016 about Debt collection (Credit card) with GOLD KEY CREDIT, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: GOLD KEY CREDIT SCAMMED ME THEY NEVER BILLED MY INSURANCE I GAVE THEM MY INSURANCE INFO THEY PURPOSELY DONT BILL INSURANCE TO SCAM PEOPLE AND PUT THINGS ON PEOPLE CREDIT REPORT WHICH IS A VIOLATION OF THE LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Non-federal student loan) with MARINER FINANCE, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: We made on time installment payments on a line of credit for the term of the loan. After the last coupon in the book, Mariner Finance advised to call and receive the amount of the last payment. We called and left a message. We never received any correspondence or a return call to confirm if there was any outstanding amount owed. This past week we received a letter threatening us that a lawyer will be filing paperwork within 5 days if we do n't pay the past due amount which was not even listed on the letter. The letter was not certified and arrived as regular mail. We would have paid the amount due if we were aware of how much was owed but we received no final bill or correspondence in any way. We also tried to consolidate outstanding debt with a new loan by Mariner Finance and during that process was never told there was an outstanding balance due and that in order to get the loan we needed a co-signer but no mention whatsoever by the rep or by the letter received referring to the loan decision. We would like Mariner Finance to send us and the credit bureau a letter satisfying our debt paid and to acknowledge the discrepancy was caused by their inability to communicate in writing and voicemail that an outstanding balance was due that was not included in the coupon book and our credit should be restored showing no delinquency of payment.

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 06-12-2017 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Trouble during payment process

Complaint: Hello, I am submitting a complaint on the escrow shortage for our servicer. We purchased the home in XX/XX/XXXX. At the time of closing we setup our escrow account on the unimproved amount. The assessed amount at that time was {$350000.00}. In XX/XX/XXXX we paid an escrow short of over 6,000. It appears to me the lender did zero research in coming up with this figure. The taxes should have been based on an assessed amount of {$420000.00} which was the amount the county released and posted online in XX/XX/XXXX. <P/>Recently they sent us a bill dated XX/XX/XXXX yet again collecting an escrow shortage in the amount of {$2000.00}. We are now in XX/XX/XXXX and the assessed amount is {$410000.00}. I have called Roundpoint and asked them to explain how they continue to get away with setting up our escrow account wrong and the only answer I get is, sorry this is your taxes with ZERO explanation as to how we are now paying a 2nd shortage. <P/>How are we paying an escrow shortage when our taxes actually decreased from XX/XX/XXXX to XX/XX/XXXX expected amounts?? <P/>I am highly concerned with all borrowers being serviced with Roundpoint as we have no idea of what to expect our payment to be even when the assessed amounts are decreasing I am being asked to come up with more money. <P/>This is very hard on myself and my family to budget for a home. We are struggling to come up with the amounts and I feel they have failed to set proper expectations with me as a borrower. I am concerned with the decreasing values in my subdivision and the increase in my payment will force me out unable to sell for the amounts we owe.

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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (IN).
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 spoke to all three credit bureaus via phone. I was told that Nationstar would be the ones that will need to make the appropriate changes made to update my FICO score. I did receive a response back from Nationstar-XXXX and they stated it is up to the credit bureaus to update my FICO score to reflect all payments that have been made towards my VA loan with Nationstar. 

I am asking for my FICO score to be updated to reflect all payments that have been made towards my VA loan. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I called the deptor and they said my account of {$36.00} has a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Credit card) with Law Office of Linda Strumpf (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX obtained a default judgment on a debt that was never verified prior to filing. At no time was I given any proof I owed money to XXXX. The default judgment is now for {$15000.00}, when the original principal balance as per the paperwork in the judgment was only {$3300.00}. I am being told by XXXX my checking account has been frozen due to a levy being placed on it for {$30000.00}. Now our mortgage payment and any of my other monthly bills can not be paid from this account. XXXX sold this debt in XX/XX/2008 and it was transferred 3 times, the last of which was XX/XX/2008. The case was in and out of the courts for 4 years, they kept postponing or not showing up. Now I have no access to my only bank account and need to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 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: Account status incorrect

Complaint: XXXX   account is showing 90+ days past due as of  XX/XX/XXXX  and every month before that. This account has been paid for since  XXXX . This is affecting my credit of it is showing current past due.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (I do not know) with American Capital Enterprises, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An item on my credit report says I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/30/2015 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (CA).
Issue: Credit decision / Underwriting

Complaint: I filed a complaint and got nothing but double talk to confirm my feelings I called the XXXX XXXX XXXX and yes the resentative said the response made no sense ... they said I would start receiving monthly in XXXX I have not ... they did not answer my question in regards to why they are not reporting to the credit brue ... now they are making suggestion that I short sale my home I am 1 and a half months behind and am confident I will be able to catch up and the fact is I have substantial equity and do not qualify for a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: On XX/XX/XXXX I submitted a complaint about my XXXX mom 's bluebird account. I received a letter on XX/XX/XXXX from the company requesting documents from me, I faxed the documents to them on XX/XX/XXXX. I then spoke with them on the same day. They told me they were going to process the check which would take 5 days and send the check out which would take 10 days. I am concerned that I have not received it yet. I spoke with a representative of the company today, and he said he can not give me any information on whether the check was sent out, I have to sit and wait here forever. It is not their money to keep. I do n't know why they wo n't talk to me, as they can not speak to my mother as she is XXXX. my CFPB Ref. No. is : XXXX Ref : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Dispute # XXXXTo Whom It May Concern : After carefully reviewing copies of all three of my credit reports I discovered that I was a victim of identity theft. I immediately took action by filing a police report as well as contacting all XXXX of the bureaus. I have recently furnished them with the appropriate documents that would verify and validate my stolen identity. 

However, I have made several attempts with Transunion via phone, certified mail, and online corresponding to get an unknown public record ( Bankruptcy ) that does not belong to me removed. As to date I have not received adequate help in resolving this issue. I have become very frustrated with this ordeal. Upon some of my many attempts to resolve the above issue with Transunion, I have experienced phone reps with language barriers ( non English speaking individuals ) trying to help me, representatives providing me with false information such as ( i.e. stating that they did n't have to verify or validate the accuracy of the unknown bankruptcy on my report ). 

Also, upon my request to inquire about Transunion 's methodology for verifying the Bankruptcy ( that is falsely reported on my report ) I was told by a representative that they did not have to furnish verifying that information to me. In short, I went to the courts to inquire about the bankruptcy and the courts stated that they do not verify Bankruptcy 's or any other public records for anyone by any method. The Clerk also stated, " that the credit bureaus often put incorrect public records and bankruptcy 's peoples credit files because they never request verifying information because the courts ca n't furnish it and that they have never spoken to any at a credit bureau. '' Contrary to the above, Transunion has not verified the bankruptcy # XXXX nor furnished me with any proof that they have verified the bankruptcy ; nor will they assist me with help on how to verify that it is not my bankruptcy. 

Lastly, not only has Transunion left me with inaccurate information on my credit report ; they have perjured/misinformed me regarding their means of verifying the bankruptcy. In congruence with the above, this has greatly impacted my life in a negative way. I am unable to move forward with my career and educational endeavors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (FHA mortgage) with LEXINGTON LAW FIRM (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was exploring about purchasing a house and I called a person I knew at XXXX XXXX XXXX XXXX to inquire what I needed to get the process started and I was assured they would pull a soft inquiry and now it seems they pulled a hard inquiry using XXXX XXXX ( XXXX XXXX XXXX ) who on their website pride themselves are bring mortgage companies more closing. I have sent dispute letters on several occasions to XXXX with no success. 
XXXX XXXX XXXX from XXXX XXXX, 2016 XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Thank you for any help you can provide.

Company response to consumer: Untimely response
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are 3 late payments on my credit report from " delinquency ''. I was on an unemployment deferment until middle of XX/XX/XXXX. At that point I knew I would be starting my second XXXX in the upcoming XXXX but knew I just wanted to take one class which would n't make me eligible for deferment. Because of this I submitted requested to hold off payments, which would automatically go into deferment when I went to half time in spring semester. 

I contacted XXXX XXXX ( numbers, dates, and specifics are on attached letter ) and spent several hours going through the account with 2 reps and a supervisor. I was advised what to do to get this off my account, which was to show that I submitted a request, and then re-submit. I was ensured this would be handled and we 're almost a month later and nothing has been resolved. 

I work in finance and continually undergo intensive security screenings. I can not have these on my report. And frankly it 's in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: My girlfriend and I are shopping for a mortgage. On XXXX XXXX, 2015, she visited a local Chase branch ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and spoke with a mortgage banker named XXXX XXXX to find out what loan rates they could offer us. As part of the process, she called me to ask for my SSN. I stopped and inquired what it would be used for and was told they had to put it into their system to get an accurate rate quote. 

Next thing I know, she is calling me on the phone to ask questions about details from my credit history. He had apparently pulled my detailed credit report and was going through it with her discussing specific findings he was pointing out. It was very upsetting for me to me try to understand what they were seeing and referring to. He also gave her a printed copy of my entire credit report to take with her in a clear breach of my privacy. 

At no point did I authorize them to release details from my personal credit information to a third party. If there were particular items to be addressed, he needed to set up a time to discuss my personal information with me directly. 

My overwhelming concern is that this experience proves just how easily anyone could take someone else 's SSN into a Chase branch, chat with a mortgage banker, and with very little social engineering, walk away with someone 's entire credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The amount of the debt is not accurate due to cramming charges added by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
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 sent letters of dispute on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX regarding their failure to remove my account from their reporting and showing a derogatory that is more than 8 years old which by law must be removed after 7 years from the first " late '' payment. This was a Wells Fargo credit card account that was closed some years ago.. Wells Fargo replied to XXXX. that they would not remove the account/derogatory at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have kept up with my monthly loan payments with Navient, however, I am concerned that my overall balance is going up and not down. I am currently on an income driven repayment plan and I would like to understand why my balance is increasing. I attended and graduated from XXXX XXXX, TX location but that locations has since closed due to fraudulent financial aid practices. I 've provided the school I attended here because it is not available in the section below for " What college or university did you attend when you received the loan? '' category. I believe it 's closure is why.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have written 3 letters regarding Unverified accounts reporting XXXX times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof

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