milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NE).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage has lost my XX/XX/XXXX & XX/XX/XXXX payments. it has been 47 days and they still can not find the monies. They have sent me a Right to Foreclose letter, even though they received both payments on time. I have sent in verification of payments, my bank has sent in verification of payment, i have faxed in checking statements, spoken to multiple people and still no resolution. The loan was refinanced by them XX/XX/XXXX - I have provided both the old and new loan numbers and they still can not find my payments. I can not get any Supervisors to return my phone calls and the Escalated Payment Resolution representative will not return any of my emails. I will mention XX/XX/XXXX when I refinanced my loan for a lower rate, I did not realize they provided me a new loan number. That being said, the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were all processed correctly. They can not tell me why beginning with the XX/XX/XXXX payment the issue began. The level of customer service and communication is deplorable. I work at a bank myself in the loan department and not once have I seen it take this long to find a missing payment - nonetheless XXXX missing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was denied a equity line of credit by XXXX by Experian.XX/XX/2015. 
1.Experian states insufficient number of accounts paid as agreed. My question which accounts are they talking about and simply address them and not XXXX pages. 
2. Installment loan delinquency. Which one/s and address them singly 3.They state public records. They do n't know what the circumstances of these bear. 
Paid one have circumstances that a Judge may have felt was better than wasting the Courts time.XXXX XXXX was a section XXXX tenant on crack cocaine.To continue in court for a judgement would have resulted in no collection. So time to file against her after getting a judgement lapsed and i paid her to move. 
4.XXXX XXXX Attorney . Handled a case against XXXX XXXX Attorney who was my partner in a real estate property. In a settlement his fee was overlooked and he purposely filed this claim. He was paid in full. 
5. Experian states past or present credit obligations. I want the list/s that they are referring to and not XXXX pages. If XXXX is XXXX XXXX they are under review with The California Dept of Justice. 
Also i want to know how Experian rates the different causes o late payment, loan delinquencies, public records, past and present credit obligations. As it seem each reporting agency differs and reflect in your scores different. There is no across the board scores and what is the system that Experian uses and why are the years that are reflected on reports computed.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 12years I have not been able to achieve or get any promotion due to the false report of my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an outstanding balance with XXXX XXXX in the amount of {$750.00} with an original XXXX account # XXXX. I had been receiving collection letters from Stellar Recovery, and eventually I paid this account through a settlement on XXXX XXXX, 2016 in the amount of {$220.00}. I have received a settlement letter from Stellar Recovery on XXXX XXXX, 2016 and the account has still not been removed from my XXXX credit bureau as of today. It is actually showing up on my bureau as I opened the account on XXXX XXXX, 2016 and is showing a negative balance and it being late last reported XXXX XXXX, 2016 with a negative balance of {$520.00}. I am trying to purchase a home and my FICO recently went down XXXX points this month and my credit report is showing an active collection. I have tried calling Stellar Recovery and keep getting the run around every time I call them and can never speak directly to a collections manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (DC).
Issue: Loan servicing, payments, escrow account

Complaint: US Bank has apparently implemented a type of late fee charge on mortgage payments. I just made my XXXX XXXX mortgage payment on XXXX XXXX and there was a {$5.00} fee added on that I had never seen before. I 've made mortgage payments after the XXXX before, and never made on late ( past the XXXX ) and this fee was never there. I sent them XXXX and they responded by saying that this has been in place since XXXX ( XXXX I assume ) if you pay your mortgage online after the XXXX of the month the {$5.00} fee gets added. 

This seems to me like it 's a " late fee '' being added on that was not part of the mortgage agreement I signed 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 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I applied for a credit card with chase bank. They approved the credit card and than randomly closing my account.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I promise this derogatory mark is n't mine it was the result of my identity being used by some unknown person. I 've never bought or received anything from this company. I never lived at the addresses associated with it. XXXX XXXX XXXX, XXXX XXXX, 2017,  {$6700.00} Thank you. Best, 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 non-monetary relief
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: there was a scheduled automatic payment debited to my account to pay my Santander mortgage but since XXXX XXXX I noticed that my bills were getting paid and the Santander bank account was overdrawn and the Santander checking account was charging me insufficient funds for {$35.00} and a week later they will charge me again sustained overdraft fee $ XXXX. I went personally to the Santander Branch several times to stop the automated mortgage payments to then choose a date that I know my XXXX Check is being deposited. Where then I know my bills are paid and I do n't get the overdraft fees charged on me. Ive been going and calling since XXXX XXXX. The Branch on XXXX XXXX, XXXX PA did n't do nothing to help me. The phone calls on XXXX made the Santander Mortgage sent me a document where they charged me {$10.00} to change the date of the automated payment from XX/XX/XXXX to XX/XX/XXXX. this form later I learned that it needed to be received, singed and sent every month. And so I continue visiting the branch to change this hassle. and no one helped. I received the letter to change the automated deduction on XX/XX/XXXX and I signed and sent it with the check. {$10.00}. Which I do n't know what I am paying that amount yet. And the mortgage still deducted my mortgage payment on the XXXX. this made my account to be overdraft again and now I have been " hit '' with a {$70.00} fees. When I went to the branch I talked to XXXX XXXX, to see if she can help me in the beginning of XXXX XXXX and she went on the phone to call the mortgage but she was helping other people at the same time and walked out I did n't knew if we were done talking or not, so I waited and then left.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09/14/2015 about Debt collection (I do not know) with Alpha Recovery Corp (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine.. I do not have any recollection of this debt nor have I ordered from these people this needs to be deleted immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted XXXX XXXX and XXXX Nobody could help me remove these inquiries that are not mine. Wells Fargo XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/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 11/20/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: Poor cosemmunication of Mortgage Loan officer XXXX XXXX, causing problems with closing. Although I complied with every aspect of this process, and sent in all documentation, by fax from Bank of America XXXX TX XXXX with OK confirmation. the Loan officer XXXX XXXX failed to tell me that my application was declined after we had a closing date and I was told that everything was fine. I attempted to contact the mortgage loan XXXX XXXX XXXX multiple times, and she would not call or email me back.When I spoke with Vicepresident CS sales Manager XXXX XXXX, he told me that my file had been declined 10 days prior to me calling him.She has sent and email to me and the Title Company XXXX XXXX on XXXX XXXX stating that she was waiting on the underwritting to confirm closing. According to Vice president XXXX XXXX, my file had been declined on XXXX XXXX, I still have yet to hear from Loan officer XXXX XXXX, and I have since rented my house out, since she let me to believe that everything was fine. My children and I now has no place to go due to her poor communication and unprofessionalism,, and I may lose the contract on the house that I am trying to buy. I was also told that if we did not close on XXXX XXXX, I would receive {$500.00}. Bank of America is obviously not concerned with my family 's safety or well-being and has been very unprofessional in this entire process. I will provided all the documentations for this entire process. thank you so much for helping us. XXXX know how many has going through the same situation like me.

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 05-08-2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a number of issues with my new loan service provider XXXX. 
1. They do not provide bill pay access to Banks. So I have to log into their system to pay my bill. 
2. They do not list under my account the amount I need pay each month. I assume it is the same as under XXXX but can not find it. Nor have they ever provided me with a pay by date. I do not know when it is due. 
3. I have not been able to get email statements despite trying to sign up for it numerous times. The system says I require 2 emails, 1 or the account and 1 for the my statements. I only have XXXX email account. 
All of these issues combine to make it a big hassle to pay. And the only reason they do this is to make money, hoping I am confused and pay the wrong amount or fall behind. By far the most hassle I have every had to deal with in paying bills. Worst then a car loan, worst then my home loan, worst then my credit card. A total lack of information provided about my account online and extremely difficult to contact.

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 01/29/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XXXX, a capital one account was created by one of my  financial assistances. I didnt find out about it until XXXX, when she got fired for identity theft. I tried to remove the credit card from my credit for 2 years now but capital one said all the information match to me. So Im stuck paying for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (VA mortgage) with loanDepot.com, LLC (NV).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Applied for a VA refinance loan with LOAN DEPOT in early XX/XX/XXXX. Caught them in numerous lies, bail and switch tactics and potentially fraud. Paid for an appraisal of our property on XX/XX/XXXX. Appraiser was here on Saturday, XX/XX/XXXX and was completed. He then sent the appraisal to the VA offices located in XXXX, AZ within three days of completion. After catching LOAN DEPOT in yet two more out and out lies, we started paperwork with another lender, yet did not cancel our loan process with them. They sent an email saying they were cancelling our loan application because of 'uncommitted borrower ' on XX/XX/XXXX, AFTER the  appraisal had already been sent to the VA office. After a week, several phone calls, repeated emails and attempts from our new lender, LOAN DEPOT, has refused to release the appraisal ( that we paid for and own ), to the new lender, even with a signed letter from us stating that we are requesting the appraisal be transferred to our new lender. From what I understand researching the law, they are in violation of several laws and are getting away with it. LOAN DEPOT responded today, XX/XX/XXXX to the underwriter representing of our new lender ; that we never had an appraisal done, although the VA gave us the case number associated with the finalized appraisal and that they would be refunding our money. By doing that, not only are they lying AGAIN, but  they are breaking the law and now drawing out the process with our new lender. This is by no means the only issue we 've had with Loan Depot throughout this process, it is just one of NINE 'issues ' that potentially encompass fraud charges which I will be researching the possibility of pursuing and checking for any class action lawsuits, which I 'm sure there are many. Somebody needs to do something to stop them from defrauding the public out of hard earned money from hard working Americans. It is not fair and one can only hope justice will eventually be done. DO NOT call this company to get a loan or refinance. DO NOT do business with them. I categorize this company as schisters, scam artists and rip-off con men and want to know how they get away with it! Find a reputable lender in your area ; sit face-to-face, check, double check and triple check each and every item, line and document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loan was transferred to Navient from XXXX. I contacted Navient to set up a payment plan or deferment. I was told to use the website to handle this. I submitted my paperwork and was told that I was denied because I submitted the wrong paperwork. I then resubmitted the correct paperwork and was given a forbearance. My complaint is that they have 90 & 120 days late on my credit report six times because I have XXXX loans. The time they are reporting late, I requested it go back because I was miss informed. In addition, the months reported are XX/XX/XXXX and XX/XX/2016, but XX/XX/XXXX and XX/XX/XXXX report OK. This is severely affecting my credit score in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Transunion,   XXXX  , and   XXXX   are reporting inaccurate creditors and inquiry in my credit profile. I have called every single credit bureau to have them remove the inquiries that were not done by myself have been there for more than two years and they have not removed them from my credit file.   They are also reporting accounts that have been removed from my files and then reinserted back into my profile. I just spoke with a lady on the phone from TransUnion and she states that she can not remove any inquiries even if they are fraudulent, so what they are telling us is that anyone crooks can now go ahead and use our identity and it is ok.   they have taken more than 30 days to send my review and most of the time have no respect for the consumer. I am so fed up with the   XXXX   from these companies ruin lives and only pay attention to customers that are paying them monthly for them to monitor their credit it is right now a business.   this type of business need to stop ruining people lives and be fair, I have a closing coming up in  XX/XX/XXXX  and I need them to fix my credit report asap, please.   CTPB please help.

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 (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have several loans with Navient that have completely tarnished my credit. I was making payments while I was out of school and because of my household size it was only {$5.00} a month. I asked that all my loans be put together and thought I was paying to have them consolidated so that I could be forgiven only to find out that my credit is completely ruined by XXXX worth of loans and I do n't even have a degree yet! I will be graduating in the XXXX with my XXXX. Navient falsified my loans and added several late payments inaccurately! I would like for all of my loans with Navient to be removed from all XXXX credit bureaus so that I can better provide for my XXXX children that are living at home and my oldest son that is a freshman in college. I attended XXXX University, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: PURCHASED  XXXX  USED  XXXX   XXXX   XXXX  FROM  XXXX    XXXX    XXXX  IN  XXXX  GA,  XXXX   XXXX . HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO  XXXX  FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE  XXXX . THEY HAVE BEEN REPORTING  XXXX  AND  XXXX  WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL   XXXX   XXXX  . I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF LIFE THREATENING HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH  XXXX  AND  XXXX   XXXX  FOR OVER A YEAR, AND  XXXX  IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER  ONE  HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS.  XXXX  WHO WORKS WITH  XXXX   XXXX   {  LAWYER } FOR  XXXX   XXXX   XXXX  IN  XXXX  GA. I AM RETIRED   XXXX    XXXX  AND  XXXX   XXXX . HAVING  2    XXXX   XXXX  .  XXXX  ON   XXXX   XXXX   AND   XXXX   XXXX   14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION..  <P/>  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