milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage company bought my mortgage from XXXX XXXX company in XXXX 2015. I made my last payment to XXXX in XXXX 2015 and every payment after to Freedom Mortgage. XXXX sent the XX/XX/XXXX payment to Freedom Mortgage 3 days after they received it from me. In XX/XX/XXXX I sent 2 payments to Freedom Mortgage, one I put a stop payment on because I had the wrong account information on it the other had the correct account info. 

I have sent Freedom Mortgage proof of payments for each month ( XXXX XXXX {$940.00} electronic payment to XXXX, XXXX XXXX {$940.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom ). I have been trying since XXXX XXXX to get Freedom Mortgage to apply the payments to my account and bring me current but to date they still have not. I also had an escrow balance that was transferred from XXXX to Freedom but they ca n't tell me much about that either. 

I keep getting harassing phone calls and threatening letters from them even though I have sent them the proof of payment that they requested. I even had a 3-way call with XXXX and Freedom Mortgage where XXXX tried to tell Freedom that they received the money and within 3 days transferred it to Freedom, but even that was not good enough. 

So six months later, after talking to supervisor after supervisor and being promised to resolve the issue or escalate it higher, I still can not get this issue resolved. I have been accessed late fees and negative marks on my credit file all because they are not willing to do their job. 

How is it that a mortgage company can get away with destroying a person 's livelihood and credit? Who holds these people accountable? I think Freedom Mortgage is in the business of hiding or conveniently misplacing payments in hopes of a quick and easy mortgage take over. This company should be investigated because of their questionable business practices.

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 04-09-2015 about Consumer Loan (Installment loan) with First National Collection Bureau, Inc. (OR).
Issue: Problems when you are unable to pay

Complaint: Basically I have problem with a debt collector named First National Collection Bureau Inc ( FNCB ) ( scan enclosed ) for my alleged debt. My alleged debt charged off date, according to FNCB was on XXXX XX/XX/XXXX. Today is XXXX XX/XX/XXXX. The status of Limitation for XXXX and XXXX where I resided have long gone out. ( scans enclosed ). 

Also enclosed are several scans of my credit score and report obtained through XXXX, in which I have a very good credit report. I do n't know why FNCB sends me an alleged debt that has been removed from my credit report long time ago. Please tell them to stop sending me unlawful collection note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Balance transfer

Complaint: I received a 0 % interest for balance transfer from CITI. After filling up the application and being approved, I proceed to do the balance transfer. Once the balance transfer was completed I received a letter stating the terms of the transfer including a 22.49 % interest fee. I requested a revision of the account, requested evidence of my acceptance of the offer with an interest rate, and CITI is not willing to provide the information.

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 10-06-2016 about Debt collection (I do not know) with National Enterprise Systems, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This morning received back to back robo-calls which leave no message.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient fails to give me the best options for repayment on my private loans. I have told them numerous times that I can not pay such a high repayment and many times I have been given different estimates for repayment or no option for repayment, but just an amount for the month to keep my loans in good standing. More so, the employees have been very rude and telling me there is nothing they can do for me. They contact my co-signer at all times and they have only co-signed on one loan. Futhermore, they would like their bank statements in order for me to enroll into a rate reduction plan when I was informed by a manager that the loan the co-signer signed on was not apart of the rate reduction plan. Navient does not communicate well and does not give the best options for private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Other

Complaint: I had applied online and got approved for a Chase XXXX XXXX online. Received the card on XXXX/XXXX/16. For whatever reason, 4 days after receiving the card, Chase chose to suspend the card in the name of " fraudulent application ''. At my request, my husband an authorized user went to a branch, and the branch manager stated we should hear back in XXXX48hours. I called Chase, 24 hours later, and after confirming many answers, was told to wait XXXX48 hours. Subsequently, another 48hours later, I spoke to a Fraud supervisor, and she mentioned that I would have to wait XXXX10 business days till a case worker was assigned. This process does not seem to have an end, or a method to the means. I applied online, I receive a card, and then without asking me ( although I answered many security questions Chase deemed this application as fraudulent ). They are not telling me why? Is this an abuse, by accusing me of doing a fraudulent application when I did apply and verify? Now the Fraud supervisor says the Recovery Department will call me in XXXX10 business days. Also, I have made valid charges, which if not paid can affect my credit, and I have no way of paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (LA).
Issue: Account opening, closing, or management

Complaint: Chase Bank ran an inquiry on my XXXX XXXX and XXXX credit report. This was done without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have outdated information on my credit report that I have previously disputed that has yet to be removed this information is more then seven years old and does not meet credit reporting requirements

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 02/28/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I had an agreement that automatic payments were to be withdrawn the XXXX of every month. The payment was withdrawn after the XXXX resulting in the more interest being paid. 

Also, the company cancelled our agreement without proper notification and explanation of cancellation 2 years after payments had been made. They have since placed my account in default and have significantly impacted my credit standing due to an error on their part.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My home was slated for foreclosure. In XXXX 2016 I was contacted by a man who saw my home listed on the Internet. I had contacted my Lender for an application for a HAFA short sale in XXXX. The Lender is required to respond within 10 days. They did not! In XXXX 2016 I received several mailings from the lender including a Loss Mitigation review Summary Package. They approved a traditional short sale ; and did not even consider the HAFA, nor did they explain their decision. I meet all of the criteria for HAFA. Can you please help 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 non-monetary relief
Consumer complaint received 07/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed the debt that XXXX wireless has on my credit report with all agency, XXXX has removed it after my dispute, yet it still remains on my transunion report. Also all the medical bills on XXXX still have NOT been removed, as they have been on trans union report, so my credit reports conflict XXXX another. I thank you for your prompt attention to this matter.. have a great day! Also I went and applied for a new car and the company assured me that it would not impact my credit score, they ran it XXXX times at XXXX different credit unions so I have a total of XXXX on my trans union report, can you please also look into this false information that XXXX XXXX XXXX gave me. Again ty

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 06/26/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I started receiving phone calls. Then I searched the phone numbers and this collection company turned up as the owner. I have sent a request for their surety bond agreement, and collection licence that I may report them to the state regulator. This is in breach of HIPAA laws. I have sent three letters asking to cease and desist with the phone calls, letters, and all communications. They are continuing to report it on my credit and that too must stop. It is a violation of the FCRA, the FDCPA, and my legal rights.

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 09-03-2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a letter regarding an XXXX credit card account that was written off at least 10 years ago. The bottom of the letter states that unless I dispute the debt within 30 days, the debt collector will obtain a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing statement

Complaint: I was never sent a credit card bill for my purchases. Multiple months of late fees and interest accumulated. I finally found the bill as I was updating my address. Citicorp told me I placed a " cease and desist order on my phone number, which is untrue.

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 11/17/2015 about Mortgage (Conventional fixed mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (NJ).
Issue: Settlement process and costs

Complaint: 1. On the basis of CashCashcall web ad, XXXX XXXX/XXXX/2015, I filed the application online for 15 year fixed 2.75 % mortgage loan with no closing cost. 
2. Cashcall sent me the confirmation but without the rate lock. Then again changed the loan rate at 2.875 % for 15 year fixed with {$990.00} Cashcall Lender fees but again no lock-in rate. 
3. on XXXX/XXXX/2015 I talked to XXXX XXXX XXXX XXXX Cashcall and asked to match the rate & terms offered by Quicken loan i.e. 2.875 % fixed 15 year mortgage with {$170.00} lender fees. He asked me send their e-mail so that Cahcall will match XXXX Loan rate & terms. 
4. My e-mail of XXXX/XXXX/15 indicated to Cahcall that even though Cashcall Ad shows 2.75 % 15 year Mortgage with no cost, why their disclosure shows it at 2.875 % for 15 year loan with {$990.00} fee cahcall total fees. 
5. How ] ever, e-mail of XXXX/XXXX/2015 indicated that the total money required at closing would be {$140000.00} while the title company XXXX Form shows these as {$130000.00} which exclude the Cashcall fee plus the home insurance cost which would definitely be much less than {$15000.00}. I asked the loan processor XXXX XXXX XXXX to provide the detailed explanation for this difference but so far he has not provided me the detailed explanation. 
6. Cashcall e-mailed that they did approved my loan but so far failed to provide me the final commitment letter with their promised fees of only {$170.00}. They are using the delaying tactics of asking the XXXX forms of the stocks which I do n't even own now. Well, they e-mail me of XXXX or XXXX at a time asking for the same documents copies which I already gave before. Thus filing to provide the final commitment and the detailed expenses as per their oral promise and making sure that just couple of before the closing they would jack their fees extensively and forced us to p [ ay much higher expenses that their initial disclosed XXXX plus failing to match the promised quicken loan rate and terms. 
I believe that such practices are not only unethical but may be even illegal. Hence, I seek your immediate help on this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2018 about Debt collection (Other debt) with ERC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: i had phone service through XXXX,8 lines to be exact, i was a XXXX customer for about 12 years at the time.our service was interrupted for some technical reason, i was told it was a down tower.the problem was we had absolutely no service at all and our business suffered for approximately 4 days.we had to drive 13 miles to be able to place or receive calls.i reported the problem and was told it would be corrected quickly.it was not so i cancelled all services and went to another carrier.i have saved the email correspondence between myself and XXXX.they still put it on my credit report and it almost prevented me from purchasing my home in 2014.my mortgage company informed me that in order to finance my home, i would have to write a check for this debt at closing for the home purchase.i then remembered about the emails and forwarded to the underwriter who then decided i did not have to pay this debt since it was not my fault.i puchased my home and now i want this debt removed from my credit report.it is bogus and absolutely not my fault in any way because i will say that to this day, i refuse to pay for it since i did not cause the problem.i was greatly inconvenienced because of this and now i want it to be made right.thank you for your attention to this matter, i have attached the emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The loans being reported are past the statutes of limitations. They are between XX/XX/XXXX and XX/XX/XXXX and should no longer be reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, My father and I have the same first name and last name the difference is that i have a middle name. When i am trying to do anything with a credit check using my SS # his credit information comes up. Trying to gather my information from the credit bureau i am unable because of information that i can not provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: SSN AND PERSONAL INFORMATION EXPOSED BY EXPERIAN XXXX CREDIT PULLS EXORTED DATA. MY INFORMATION IS JUST NOT WORKING ANYMORE, DETRIMENTAL FOR MY BUSINESS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently ( XX/XX/XXXX ) applied for a private XXXX student loan through XXXX XXXX and was denied. In the document they provided that gave their reason for denial ( XX/XX/XXXX ) they said it was because I had a delinquent student loan. 

Upon further inspection I saw that Navient ( under the name XXXX XXXX ) was reporting that I was in default on my student loan from my XXXX in XX/XX/XXXX. I did go into default on my student loan around XX/XX/XXXX because of XXXX  XXXX diagnoses and some rough financial hurdles. However, I did the one time rehab program and got out of default and am now on IBR. I have made payments in the past through IBR, but since I am a XXXX XXXX now it is in deferment. This is through XXXX, they have all my loan info now, and I am in good standing with them. 

Unfortunately, I hadn't really looked at my credit report before, because of that whole getting XXXX three times between XXXX and XXXX years old. XXXX put me in a very deep hole that I have been working very hard to get out of. I thought I had bad credit because of that. And it wasn't until around XXXX that I even felt I had a handle on things again. I just got my first credit card in many years, I had always been denied in the past. It turns out that ever since XX/XX/XXXX I've had this huge student loan sitting on my credit report when it shouldn't have been. And I never even realized it. 

I would really like to get some help with XXXX  school, so currently this being on my credit report is a problem. I've called Navient several times and their automated message recording shuts me out every time. It says something like, you've made too many attempts, and then hangs up. 

I've also filed a credit report dispute with them through XXXX. I don't really know what else to do at this point. 

God, and PS, look at that statement screenshot from XXXX ( showing the same loan that Navient ( under the name XXXX XXXX ) is reporting as deliquent ). It shows the same original loan amount and the amount of interest I have now. Is {$20000.00} in interest normal? XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a mortgage account ( XXXX ) with XXXX XXXX XXXX XXXX for a residential property ( XXXX, XXXX , XXXX ) which originated in XXXX. I was late on some payments due to loss of business income. The property was underwater - I owed more than the value of the home after the economic recession of XXXX. I attempted in good faith to apply for forbearance or a loan modification. I believe XXXX misapplied payments and was charging more than was owed as far as penalties, etc. In XXXX, XXXX foreclosed on the property - the loss mitigation department insisted we had not complied with all the necessary paperwork which is false. We chose not to sue or take the case to court as we wanted to move on. XXXX ( and XXXX XXXX XXXX ) has since settled with the CFPB and state attorneys general to provide {$120.00} XXXX in refunds to foreclosure victims. I do not qualify as my home was foreclosed on after XXXX XXXX, XXXX. However, this foreclosure was fraudulent as far as XXXX 's use of robosigning documents, etc. Therefore, this item should be taken off my credit report immediately. I have contacted both Transunion and XXXX to explain why this should be taken off my credit and they have not only failed to do so but did not explain why or outline what steps they had taken to investigate with XXXX. Unfortunately, in the intervening years, I did not keep copies of my loan modification paperwork with 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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is claiming that I owned a XXXX 's credit card ( listed as XXXX Account XXXX on my report ) which they say was closed in 2013. 

I have never owned a XXXX 's card, much less an XXXX XXXX card of any kind, in my entire life. I said as much to Experian when I disputed the account. They came back and said that the account is mine, and they have proof of such that I can not have access to. My only recourse was to submit documentation or contact them by phone. 

I have no idea what kind of documentation I can provide of something having not existed. It seems like a preposterous Catch-22. Furthermore I have called them a number of times and they have not told me what that documentation is or what it could possibly be. They have explicitly said they will not tell me what kind of documentation to provide, only that I must provide " it. '' I am unable to verify with XXXX 's that this is my account since I do not have enough information about it. 

Let me be clear, this is not a delinquent account or a negative point on my report. Regardless, is it false and I do not know if this is identity fraud or just incompetence of the part of Experian but this is NOT MY ACCOUNT and I have no understanding of how to prove 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 explanation