milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was severely by Equifax and their security team, and was not informed about this directly until the report came out a month later, and I had to check online on my own accord to see if I was affected. I have had to place freezes on my account with Equifax, XXXX, and XXXX. However, I still have trouble getting through with Equifax 's system to place a freeze on my account with them, which is very counterproductive, especially with a company that just mishandled my information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Dear CFPB, I am a Veteran and I have filed a complaint that requires me to send documents explaining the case to the veteran 's military division of the CFPB, but I ca n't find the address for military complaints, I have 140 pages of evidence and statements, and I am worried that my complaint did not go to the military division. Please provide me a paper mail address at XXXX///the Complaint number is XXXX. Currently Carrington Collection Agency who is impersonating mortgage servicers is using the 60 day continuation they asked for to commit additional debt collector harassment. I will attemp to attach some documents.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I opened an account with CHASE in 2005, The card was paid in full and closed. I owed no money in the credit card before I closed it yet XXXX XXXX XXXX has this account in collection with the full credit amount / total that was paid off. XXXX XXXX is egregiously Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices by reporting on my credit report an account that was fully paid for before closing.The same account that is being reflected by the original creditor ( chase ) on my credit report as paid in full and balance as XXXX, XXXX a collection agency is reporting as i own a balance of XXXX. The credit limit on that account was XXXX and was paid off even before exceeding the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed an inaccurate account balance and they removed the account complete, causing my score to drop XXXX points

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 10/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was shocked when reviewing my credit report and found late payments on XXXX of my student loans on the date below : 90 days late as of XXXX XXXX I am not sure how this happened, as my loans have been in Forbearance for a long time due to my low amount of income. Each time my loans have come out of Forbearance, I have been diligent about contacting you to put them back in Forbearance. 

These late payments severely damaged my XXXX XXXX and it is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Debt collection (Credit card) with Mandarich Law Group, LLP (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A lawsuit was filed by XXXX XXXX XXXX ( plantiff ) on a credit account issued by XXXX, by the Mandaarich Law Group, LLP, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. This is on a debt of {$1700.00}. I have no idea who the original creditor is. They are stating in the suit that the last payment was made on XXXX/XXXX/XXXX. This debt is more than XXXX years old. I have not recieved any communication from XXXX that I am aware of until I was served papers on Friday, XXXX XXXX, XXXX. I am currently on XXXX following XXXX breakdowns XXXX in XXXX and XXXX in XXXX for which I was hospitalize twice. The greater of the year of XXXX and partially in 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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Wrong address ON FILE- mail going to old address- they still have A security freeze on both my account and wife as it was removed through Experian XXXX 2017. waited on phone well over hour I could not get the overseas representative to do anything! Asked to be transferred to US waiting and waiting finally hung up. I asked them to contact Experian who was supposed t be updating all three agencies- that evidently did not happen- they still have old incorrect missing information on their 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 explanation
Consumer complaint received 11/14/2015 about Debt collection (Payday loan) with National Enterprise Systems, Inc. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was contacted today ( XXXX/XXXX/15 ) by a representative from National Enterprise Systems trying to collect on a payday loan which is likely past the statute of limitations and illegally issued. Legal action and arrest were threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Delinquent account

Complaint: XXXX Credit Bureau - Bank of America - Paperless client - Paid off the account in full, waited two weeks and looked again and still paid in full. Bank of America failed to notify me that I owed any pending accrued interest. They waited until my account was past due before they sent a letter. I paid off in full as soon as they told me. All accounts that have principal paid in full should notify the client with letter of any accrued interest coming due instead of waiting until delinquent to issue a letter of past due account. Why should anyone accept a paperless billing ( saving paper etc ) when the bank uses it against the applicant at closing of the account.

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 02/24/2017 about Payday loan () with WORLD ACCEPTANCE CORPORATION (LA).
Issue: Can't contact lender

Complaint: I made multiple payments on this account and was never able to get out from under this payday loan. I have tried multiple times.to contact this provider with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: OnXX/XX/XXXX you responded to complaint # XXXX  which was a challenge to a prior complaint : On XX/XX/XXXX I filed a complaint # XXXX against your company for reporting false information. You had 30 days to complete this investigation. You responded on XX/XX/XXXX that the investigation may take up to 30 days. It is now XX/XX/XXXX and the investigation is not complete and you have not provided any verification. You must now delete the accounts in dispute for being falsely reported. Your failure to delete these items due to the fact that your investigation took more than 30 days is a clear and indisputable violation of the FCRA. If they are not deleted immediately, I will be filing a lawsuit in circuit court, not small claims, for defamation.
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The accounts are 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX. These are all reporting false information. You are in violation of 15 U.S. Code 1681i and 15 U.S. Code 1681a.
<P/>
You responded that you have verified the information in the complaint, yet you do not provide any written proof to support your claim. The court system does not take your word for it and neither do I. You took more than the allotted time of 30 days to complete an investigation and you went over that. You violated the FCRA and you 're not getting away with it. You leave me no choice other than to take this mater up in court. I have given my attorney the go ahead to file the suit. If in the meantime, you should decide to come to your senses and delete the accounts, I will drop the suit.
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I am publishing all of the complaints on a well known website as well as social media and printed news about the way this matter was handled with XXXX auto responses and by a live human.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Nelnet has been harassing me since XX/XX/XXXX. Recently when I told Nelnet over the phone that I was enacting my right for them to only communicate with me via XXXX Mail they began calling my adult son about my account. I am still a student and was on military XXXX from XXXX university.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I se nt two notarized dispute letters to two differe nt credit bureau ( Experian and  XXXX  ) by certified mail. I received notification that both letters were received. Fast forward over 30 days no response from either credit bureau and they did not note that the accounts were being disputed within the 30 days when I would pull the reports several times during that 30 day period. My disputes were ignored.      XXXX  never responded but they decreased my  credit score   XXXX  points instead. However there were no new inquires or credit, my credit utilization did decreased, no new late payments or new collection items and no new accounts closed. I never received a response from either credit bureau. They did not delete anything either.     Please see the below certifiied letter USPS tracking numbers.     Experian tracking number #  XXXX   XXXX  tracking number #  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 02-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received no notice in the mail or to my email from XXXX XXXX XXXX that a balance was owed. The first communication I received was when I received a notice from a debt collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2016 about Prepaid card (Payroll card) with First Data Corporation (GA).
Issue: Managing, opening, or closing account

Complaint: My card account was placed on hold with any notification to me. The company ADP Totalpay accepted a deposit into the account even though they would not give access to the money ( they didnt tell me ). They have given me numerous reasons as to why this happened and none of their reasons make sense. I have sent them all the requested documents multiple times ( a copy of my drivers license, a copy of my paycheck and a copy of my social security card ). 
They have given false reasons as to why they can not use the documentation. Once they told me that my driver 's license it expired, however, it does not expire until 2021. They told me that my i.d . was too dark to read but they read me the information from it. They initially said that they could read my social security card, but after the 3rd time I 've sent in my documents they say they can not read the social security card. None of my files are blurry or dark. I have sent these same files to other businesses and they were read fine. 
I have gone a month without my money. The ADP TotalPay customer service will not allow me to speak with a supervisor. They just continue to place you one hold and then transfer you blindly to a line where no one ever answers. I only want access to my pay that was deposited on the card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Debt collection (Other debt) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have recieved multiple calls from a collection agency stating I owe {$340.00} to Fifth Third Bank. Upon asking for verification of the debt Im told it will be emailed to me. It never was. After calling back I was told they do not provide proof of debt, only payment arrangement letters. 

I wasnt able to catch the name of the company however the contact phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with TD BANK US HOLDING COMPANY (CT).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX XXXX, XXXX I completed a XXXX XXXX XXXX application with TD Bank ( US ) store # XXXX. I subsequently received notification that the loan amount requested was denied and an alternative amount was offered at a much higher interest rate and much less favorable terms. Upon looking into this matter it was revealed that the appraisal on my property was factually incorrect and that contributed to the issue above. Specifically the appraisal did not include an additional bedroom/bathroom in the home and was also understated in terms of livable square footage. Upon my notifying TD Bank they stated that their policy is not to do a reappraisal unless I could prove the house was 10 % larger than what they valued it at. I conveyed to the bank that this was unfair ( if not against fair lending regulations ) and I requested that this matter be escalated to senior management. After weeks and eventually months of back and forth with the bank, including providing photos, copy of building permit application information ( including square square footage calculations ), copy of town final inspection/live able approval, and other requested documentation I was informed that the bank would not correct the appraisal for an accurate valuation of my property. They reverted back to their subjective policy of putting the burden on me the consumer of demonstrating that the original valuation was understated by 10 % or more in terms of square footage which put me in an impossible circumstance since the original appraisal was within 10 % of the square footage but did not include the correct number of bedrooms/bathrooms and was still understated on the square footage - factors which are a core valuation input and which will make a material difference in the qualified loan amount. I was informed of this final decision on XXXX XXXX, XXXX. I have a current XXXX XXXX XXXX with the bank that is XXXX the amount they counter offered I have a perfect payment history and a credit score that is over XXXX per the TD Bank own credit check and records on me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Payday loan, title loan, or personal loan (Title loan) with LENDING CLUB CORP (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for refinancing on an auto loan with Lending Club and was told the rate would be 2.49 % The payoff on my current loan was XXXX WHEN IT CAME TIME TO SIGH THE LOAN THE LENDING CLUB SAID THE RATE WOULD BE 3.4 % THIS IS BAIT AND SWITCH THEY NEED TO BE INVESTIGATED AND FINED!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is currently being serviced by stearns lending. They presently charge you to make a payment online, and even when you are within the 15 day grace period, they are forcing a " one time draft fee '' of up to {$15.00}. This defeats the whole purpose of a " grace period ''. When one of their representatives called me on the XXXX of the month to harass me into making a payment over the phone, i informed him the fees they were charging were not waranted and that I would be filing a complaint.

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 05-02-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: On XX/XX/XXXX I made XXXX XXXX reservations with a person named XXXX who said he was at the XXXX XXXX call center 's phone no. XXXX. XXXX confirmed that the XXXX XXXX XXXX XXXX had a XXXX out of a XXXX star rating, which was also indicated on the internet. Based on that information I booked a XXXX night stay for XX/XX/XXXX at the XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ for a total charge of {$66.00}, which XXXX said would not to be charged until my stay on XX/XX/XXXX was completed. Both the star rating and my Amex account not being charged until after XX/XX/XXXX were not true. On my arrival at the aforementioned XXXX I inspected the room I found that is was unfit for human use and did not sign in that room nor did I stay at that XXXX. When I received my XX/XX/XXXX Amex STMT I learned that XXXX at XXXX incorrectly charged my Amex account on XX/XX/XXXX for the {$66.00}, which was prior to the completion date of my stay at that XXXX XXXX as agreed to. I was asked by XXXX complete a survey on my experience at that XXXX XXXX I did and gave the worst rating possible to that XXXX XXXX. 

I contacted Amex in writing XXXX on XXXX and disputed the {$66.00} charge. I also contact Amex in writing fully disputing this charge with backup documentation again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and Amex still has not fully credited this account for {$66.00}. Due to Amex 's failure to follow the rules on this disputed amount I have cancelled my account and membership with Amex. 

The CFPB Ombudsman XXXX XXXX has received a copy of these letters together with the backup documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Debt collection (Credit card) with Alliance Data Card Services (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am being repeatedly called by Comenity Bank over a credit card that I am currently paying off. I am being called multiple times a day and they always call from an unknown number and only identify themselves as Comenity Bank after I answer. As of today I have been called 4 times. Once every 2 hours from an unknown number. When they call I sternly say this is harassment and before I can say anything else they hang up. They have gone so far as to call me after XXXX and on sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2015 about Student loan (Non-federal student loan) with MOHELA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: -My college loans were transferred to Mohela three years ago. 
-I had a XXXX and applied for XXXX relief. 
-Through the XXXX relief program ( XXXX ) suspended any and all payments to be made to Mohela . 
-XXXX advised they contacted Mohela of the suspensi

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Other mortgage) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Application, originator, mortgage broker

Complaint: I arrived at BBVA Compass Bank on or around XXXX XXXX to apply for a home loan. I was greeted by XXXX XXXX. She asked me my financial situation. I told her. I also let her know that I do have rental houses in an XXXX, and they are not in my name. I was then asked to wait a few days so they can determine if I will qualify for the loan program. 

On XXXX XXXX I received an email from XXXX XXXX stating the following : -- -- -- -- -- Forwarded message -- -- -- -- -- From : " XXXX : XXXX XXXX, 2017 XXXX Subject : Question To : " XXXX ; Cc : XXXX just said as long as you do not reside in your rental ( s ) then you are completely eligible for the no PMI program we discussed. 

Sincerely, BBVA Compass XXXX Mortgage Lending - Mortgage Banking Officer Mobile : XXXX Fax : XXXX, AL XXXX I let her know that I do not reside in my rentals. She told me everything was good to go. I received a phone call about a week later stating the underwriters want to know why I am buying a {$90000.00} home and not a {$200000.00} home. She then requested for me to send her in writing why I am buying a {$90000.00} home. I wrote the letter and faxed it over to her. 
She called me a few days later and stated that the underwriters do n't believe that I am going to be using the home at XXXX as my primary residence and they denied me the loan. When I requested that information in writing for the basis of their decision, they sent me the explanation that is attached which is for review. 
The reasons they denied me have no ground, bc the State Tax Lien was put on my credit in error and I have letter from the director of the State of Alabama stating that, so they released the lien, but it still shows on my credit. The other reasons are completed inaccurate b/c I lived in my previous home for 9 years, owned multiple cars and trucks, and have loans in my name. They also stated that my account balance does n't exceed my credits, which is completely false again. My credit balances are around {$15000.00} give or take and my account balance is over {$23000.00}. 
After going back and forth with them over the past two days and trying to reach out to certain people over the phone, I sent an email to XXXX. I have also attached for your review showing the response and why I am being denied, which is based on their " guidelines '', which I have not received anything in writing that they are claiming is in the " guildelines ''. I have waited over 2 weeks for this loan to go through. Since then, the rates have gone up and I am being denied for a loan that I clearly qualify for.

Company response to consumer: Closed with explanation