milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: The refinance application made on XX/XX/XXXX with Bank of America was canceled without notification. I believe it was canceled on XX/XX/XXXX however as of this date, XX/XX/XXXX, I have only anecdotal evidence the loan was indeed canceled. I received further documentation from Bank of America on XX/XX/XXXX showing loan estimates and loan program disclosures. It appeared to me that we were proceeding accordingly with completing the loan process. I have made several attempts at understanding why however no one at the bank has come forward with any answer. I also filed a complaint on line at the bank website two weeks ago however no one has contacted me regarding the complaint. I believe I have provided all documents required to close on this loan.

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was denied from a lender due to " too many inquiries '' from Equifax. I was alerted by that, therefore i proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Equifax and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been in a rate reduction program for a year with Navient. The agreement requires that Navient draft the amount due from my checking account each month for 12 months. In XXXX, I realized that the draft did not occur so I called to find out why. I was told by three different representatives that I did not have a balance due and that no payment needed to be made for XXXX. In XXXX, the draft also did not occur but my online account showed a balance due of XXXX across all of my loans so I made a payment through my XXXX account. I began receiving phone calls last night at XXXX about a delinquent account despite my full payment. When I checked my account this morning it showed that my payment had only been applied across 3 of my 5 private loans. When I called this time, I was told that the person I spoke to in XXXX was incorrect and if I did n't make an extra payment of {$40.00} today, all 5 of my loans would still be delinquent because I missed a payment in XXXX ; the payment they claimed did n't exist. The representative also informed me that the person who set up my payments last XXXX, mistakenly did not set them up for the full length of the program which caused the lack of drafts in XXXX and XXXX. I made the {$40.00} payment but there is clearly something VERY wrong with Navient 's accounting practices. Please look into this so they do n't railroad other consumers into paying unnecessary late fees and ruin their credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. The credit bureau is refusing to remove a collection record from my report that is not mine. It is being reported as a paid debt but I have never had any business dealings with this company. I have never been called by them, I have never received any letters or notices from them and I have never paid them any money. There is no reason for this to be on my credit. The account name is under " XXXX XXXX '' with account number # XXXX. It is reported to have been opened since XXXX 2016. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. Last week, I took it upon myself to call XXXX XXXX and spoke to their representatives and a supervisor. It turns out that the personal information on this account does not match mine besides a very similar sounding name. They were not able to give out any more details because I was not the verified person on the account. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. If I am being told by the source of this information that this is not my account, why does the credit bureau continue to report this to my credit? I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake. This is the reason why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 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: Each credit bureaus are showing different Details on the accounts. There are multiple accounts showing different by each bureau and i sent in a credit report with the highlighted differences and still there was no change i had disputed this accounts multiple times and still no change what is up with you guys it fells like i have to run around every single time over and over and over and i get no ware with you guys.

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 07/22/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed .Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -they are required to ... promptly delete all information which can not be verified. " that I have disputed.Please resolve this manner as soon as possible.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Accessed the credit bureaus online to file a dispute on inaccurate personal information and inquiries. Was able to create an online account however I was unable to get pass the identity validation questions. I answered the questions with the answers that I know to be correct however I received an internal error message- the information can not be verified. Obviously the bureaus have incorrect information reporting for me which in turn make it impossible for me dispute the info- which is the whole reason I am trying to gain access to the reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (GA).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, GA. The above company repossessed my XXXX XXXX XXXX. I was XXXX  on a XXXX  XXXX in XXXX, GA. While XXXX by XXXX   attorneys some XXXX people at XXXX XXXX  repossessed my car. I asked the employees at XXXX XXXX to give me the amount to reinstate my loan 3 times on XX/XX/2017.  Three different employees told me that they did not have to follow the law. They proceeded to state that they will not tell me when and where to pick up my car. Please, help me locate my car and please investigate XXXX XXXX  for XXXX. P.S By law XXXX XXXX is supposed to give me 30 days to get my car back. XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I contacted Navient about reducing my monthly payments because they were extremely high based on my income, which was the only income of the home. I heard about the income based loan/forgiveness for public service and decided to take that route to pay off my loans. I applied for the income based loan which gave a reduced monthly payment plan for specific jobs that could be paid off in 10 years of 120 payments, as a XXXX I qualified. I provided the necessary information on-line and was given a quote. The amount I was quoted was roughly {$210.00} a month for the next 10 years, however when I got my first statement the amount due was about {$100.00} more than the already extremely high monthly payments. Example : Initial Payment- {$570.00} Reduced Payment- {$670.00}. I then put the loans back in to deferment because I could n't afford the monthly payments. I have been in and out of deferment agreements because there is no alternative payment plan. 

In addition I have loans for XXXX colleges, XXXX College and XXXX College. I have only worked at XXXX as a XXXX and no relief has been offered for my student loans. Below are a list of the XXXX : XXXX XXXX, XXXX -5 YEARS XXXX XXXX, XXXX 1 YEAR XXXX XXXX , XXXX- 5 YEARS XXXX XXXX, XXXX-2 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: every time I apply for home loan in XXXX credit bureau my bankruptcy saw up this is the reason I cant get home loan I want to move to XXXX ca

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Ive contacted this company several times for several years trying to obtain information on an account that they are reportung on my credit file XXXX times, i have constantly disputed this account without resolution, it simply is not my account, its fraud please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information ( as well as the information of millions of others ) which has led to a breach that puts my personal banking information at risk for the foreseeable future. They chose not to inform me of this ( and still have n't as of this complaint ) for over a month after they became aware of the breach. As far as I can tell, the only recourse they are offering forces me to simultaneously forfeit my right to legal action against them for their negligence. Considering I have never even personally requested their services, it seems ridiculous that I am simultaneously expected to take all the proactive measures to protect myself from their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. 
I have had a freeze on my reports since XX/XX/XXXX. 
This company had no authority to pull my credit-I had no account with them, no business relationship, I did not apply for credit etc. 
They should have not been able to gain access to my report. 
This keeps happening despite the freeze being placed long ago and yet every time I call TU they refuse to do anything about it or to investigate.

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 09/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get help from Select Portforlio 's loss mitigation department unsuccessfully. I fell behind on my mortgage payments and requested a loan modification or any useful method to avoid foreclosure. Unfortunately, SPS has not reviewed my updated loan modification request without bias.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (DC).
Issue: Shopping for a loan or lease

Complaint: I applied and was preapproved for a loan online XXXX/XXXX/16 with RoadLoans.com ( Santander Consumer USA ). The loan had a 10.70 % interest rate, with a finance charge of {$13000.00}, to finance {$38000.00}, with a for a maximum loan of {$52000.00}. This is a XXXX % Loan to Value ratio. The dealer associated with this preapproval was XXXX XXXX. My credit score is XXXX, not bad, not great, but I believe just above sub-prime. I later scheduled an appointment with a dealer named XXXX on XX/XX/XXXX through Roadloans.com. I never went, and did n't ask them to run a loan for me. On XXXX/XXXX/16 I received notice I had been declined for a loan by Santander and XXXX XXXX XXXX XXXX XXXX. I did n't authorize them to run a full loan for me, and in fact told Santander, which called me on at least 4 occasions, that that I was not interested and had found a better loan. I bought a car through a different dealership which offered me a 1.9 % interest rate -- dramatically different. People should know that they can get better loans than from Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Struggling to pay mortgage

Complaint: Around the XXXX of XXXX, i contacted PHH Mortgage to see if i could skip a month 's payment due to the hurricane devastation in our XXXX Texas area. I was told about a program they had, but would have to pay all missed payments back eventually. Duh.. that was my intention. I got on the program thinking I 'd be back to paying my normal payments in XXXX, and just make an extra payment in XXXX to cover XXXX. Well, that did n't happen. Every day starting in XXXX, i got a debt collection call from PHH Mortgage about my " delinquent payment. '' And since then, I 've been receiving letters from PHH Mortgage about ( 1 ) delinquent payment ( s ), ( 2 ) ways to avoid losing your home, ( 3 ) credit score may be impacted and ( 4 ) lump sum " XXXX '' due XXXX/XXXX/XXXX ... yes that 's right XXXX! 
Through the disguise of " XXXX '' PHH Mortgage has been able to harass me daily! Through calls and mail! They have not helped me ... .they have turned a natural disaster into a nightmare. Other companies have allowed me to temporarily halt payments ... .without any harassment at all, with a clear understanding that i would return to regular payments on a given date and my owed balance would remain the same. 
PHH Mortgage seems to be using this devastation to rob me of my home and sanity!

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I sent 2 certified letters to XXXX, Equifax, XXXX  and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX did car loan for me, I had to pay payment on the XXXX of every month. So they put me down as missed payments on my credit report. I never missed a payment at all. I traded the car in when it was almost paid off, XXXX XXXX NEGLECTED to tell me that I could change my payment due date so the payments were always late. Most car loans have a grace period ( 10 days ) in which they can receive the payment, these people said that they do n't do that. I want that missed payments on my credit report taken OFF because the payments were not MISSED they were only LATE. I do n't have any paperwork or receipts to show the payments because I had a fire and lost a lot of my stuff. I hope you can help me because this is really stressing me out, I want to buy a home but I ca n't with my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I believe this is the 4th complaint I 've filed with CFPB regarding this matter. My credit reports are still showing either fraud alerts, XXXX XXXX alerts, or both. I have gone through extensive measures to get these removed from my credit reports, included being bounced around from department-to-department, mailing in proof of my identification, letters, and CFPB complaints. 

For the nth time, I am not nor have I ever been on XXXX XXXX and I do not want any type of fraud monitoring or alerts on my credit reports. These have stopped me from opening new accounts. 

Please remove them.

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 03/17/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I originally had a credit card from capital one that I could n't make payments on anymore in the amount of XXXX the credit card company charged off my account XXXX the statue of limitations after talking to attorney general 's office for my state on this type of issues is 4 years XXXX bought my account on XXXX and have been sending me letters and calling me the most recent letter has references that if they write it off they will send me a XXXX where I would have to pay taxes on this

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with Experian Information Solutions Inc. (RI).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I called Experian today because I got a credit report in the mail that I did not order. Experian told me I was a member. I told Experian I was not aware of this. Experian previously forced me to pay {$1.00} for my credit score. In paying for this, Experian took my credit card information and charged me a membership fee. Experian assures me this information was somewhere in the fine print. I conducted a XXXX search for Experian credit score scams and apparently several people have also been tricked by this. Please help us consumers to stop being scammed by companies like this that are supposed to be here to help the consumer and not rip off the consumer. None of us deserve this.

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 05/25/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: We received a bill in the mail from Transworld Systems INC that states a balance of {$72.00} has been placed with them by     XXXX   XXXX   XXXX   XXXX   XXXX     The bill is dated  XXXX / XXXX / 17  however we received a week later. We never never received an original notice of any bill directly from the  XXXX    XXXX   XXXX   and there is no itemization of what the original bill amount was, and if there is a surcharge that is being added to the amount. Within the letter it even states " If you have an income tax refund, perhaps you can use the proceeds to pay this amount. '' We have received no proof of any original bill and have no idea how any debt is being charged and for what reason. We have never had the  XXXX    XXXX   XXXX   come to our home for any reason and do not believe this debt is valid, and  may  be fraudulent.

Company response to consumer: Closed with explanation