milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a bank loan XX/XX/XXXX in which I had a couple of late payments. this loan was paid in full XX/XX/XXXX. I contacted Transunion and asked them to remove from my credit report, but they refused, stating that it had to stay on my report for 10 years. this is wrong. from what I read on your website, this can only be reported for 7 years. THIS IS NOT A BANKRUPCY. it was last reported XXXX this is over 8 years old. thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (ID).
Issue: Loan modification,collection,foreclosure

Complaint: Fell under financial hardship and needing a loan modification for our primary residence. 
Nationstar reps are giving different answers, solutions and timelines with every call making it difficult to make an educated decision on our primary residence. 
We are not receiving the documents Nationstar said they have sent and have to call and request them. Some of Nationstar requests have deadlines. Not having all the information to make a decision is difficult. 
We fear that because of the equity we have in our property, that Nationstar is not willing to work with us and taking advantage so they may profit. 
With the Nationstar modification we were approved for, they are moving our delinquent payments to the end of the loan but we do n't know if we pay interest again on those payments and Nationstar will not tell us what happens after the trial payment period of their modification. 
We have a detailed summary that is too large for this form.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The student loan servicer Navient placed a remark on all XXXX of my credit bureau reports that my student loans are in deferment. This remark dropped by XXXX score XXXX points and my XXXX score XXXX points. This is the first time ever seeing this remark placed on any of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Payday loan () with EZCORP, INC. (FL).
Issue: Can't contact lender

Complaint: I applied for a payday loan 10 years ago some agency calling on behalf of Department of Investigations called my friends and family members threating that I was going to be arrest for fraud and larceny. This particular payday loan has been consolidated from my previous bank resulting in my checking account being charged off I have all documents but this agency harassed me for {$420.00}. She told me she was forwarding my information to an prosecutor and that I will be locked away for federal charges. Their number is XXXX..please stop these people from harassing me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was transferred from XXXX XXXX XXXX to Shellpoint Mortgage in XXXX XXXX. Before it was transferred I was working with XXXX on a loan modification. I had to reapply for a modification when it was transferred to Shellpoint. I submitted a complete application including my social security benefits I receive for my XXXX children. They kept insisting that I have my XXXX minor children sign a contribution letter saying they contribute the social security to the household income. Finally after months of battling with them they finally agreed that minor children can not sign a document like that and accepted my social security as income. In XXXX XXXX, I received a denial letter stating that I had been awarded a loan modification but it was cancelled for failure to make the first payment on time. I immediately called and explained to them that I never received any information regarding a loan modification. They told they had mailed out a package in XXXX XXXX. On XXXX XXXX, XXXX I received a letter dated XXXX XXXX, XXXX stating I had been approved for a modification, but the envelope was postmarked XXXX XXXX, XXXX, so clearly they mailed it after the conversation I had with them. They refused to allow me to make the payment to accept the modification because it was past due date. I immediately reapplied for another modification but this time was quickly denied because my modified payment would be higher than the original payment. I appealed this decision 3 times with documentation from the Making Home Affordable Handbook supporting my appeal. They still denied me stating that my investor would not allow a HAMP Tier 2 or streamlined mortgage. I contacted them again asking for a repayment plan. I was told they were ordering foreclosure fees and costs and would email the repayment plan. Instead they mailed me a foreclosure notice with a foreclosure date. I contacted them regarding this and I was told that my appeal was denied for failure to submit documents and it had nothing to do with the investor. My loan is owned by XXXX XXXX and i asked if I was reviewed for a XXXX XXXX modification. They refused to answer the question but instead repeatedly told me I was denied for failure to submit documents. When i told them I had a letter from them stating I was denied due to investor restrictions they continued to tell me that was not true. They still will not tell me or provide me in writing the exact modifications I was ever reviewed for. At this time I currently have a foreclosure sale date and I have submitted yet another application for a loan modification. After each denial they have never offered a repayment plan or any other foreclosure alternatives even though I have requested them. At this time, I feel that they have not helped me in any way and in fact have led me to the point that I am at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX and XXXX I began making extra payments on the my loan with Wells Fargo to get ahead of my balance. This resulted in my payment due dates being pushed forward-so at XXXX point I did n't have a payment due for 1 year out. I made a decision in late XXXX to utilize that feature of the pushed forward payment date because I needed the extra cash. It was not a forbearance or income continent loan. My statement indicated that I did n't owe a payment for close to a year and I did n't make the payment. I understood interest would accrue. However, at no point via my statement or a separate letter did Wells Fargo inform me that when I resumed payments they would only applied to the interest accrued during the timeframe. Also they did n't notify me of the amount accrued during the time and how long it would take to pay it off. It was n't until XXXX XXXX that I started to realize my balance was n't decreasing at all. I was set up for auto payments and saw several adjustments include XXXX reductions for my monthly payments. It was messaged to me that the reductions were to ensure I stayed on track towards the end term date. When you are on auto payment, you do n't have a choice to not have your payments adjusted they do it based on the monthly re-amortization. Now, I have two years of accrued interest that must be paid and I am still accruing interest while i '' m paying that off. They informed me that I likely would have a balloon payment at the end of my loan term to account for the additional time to pay off this accrued interest. There was a complete lack of transparency regarding this process, the impact of my decisions and my ability as a consumer to make an informed decision. If I did n't call and ask all of these questions, I still would n't know what was happening. They shared that they no longer have this practice but I had been grandfathered in. Lucky me! Wells Fargo went out of their way to provide just the bare minimum of information via statements and their website without any concern about the impact to the consumer.

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 11/16/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX/XXXX/XXXX I discovered I saw a pending transaction on my checking account for {$360.00} from a company called XXXX XXXX - since I havent done any transaction for that amount I tried to contact the merchant with the phone number attached to the transaction. The call went to a personal voice mail - no name -it asks to leave a message .. after 2 attempts- I decided to call my bank and inquire about the charge. The representative informed me it was a charge going through my debit card and went through on XXXX/XXXX/XXXX for {$360.00} ; XXXX/XXXX/XXXX for {$360.00} and XXXX/XXXX/XXXX for {$400.00}. The representative stated not to worry and the bank will investigate and refund the charges back to my account since I havent authorized it and that the charges are fraudulent. He also stated that my account is insured and transferred me to the claims department. The agent in the claims department repeated the same thing and I also found one additional unauthorized charge that went through from XXXX for {$62.00} and disputed that charge and said hell deactivate my debit card and send me a new card. However, on XXXX the bank decided to reverse the charges for {$360.00} that occurred on XXXX/XXXX/XXXX and {$62.00} on XXXX/XXXX/XXXX stating that I didnt report the charges within 60 days of the statement date. I called and spoke with a supervisor with the claims department, XXXX in Ohio and tried to explain to her that if the charges happened in XXXX and I reported it in XXXX it is not over 60 days she insisted that the bank shouldnt refund the money that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: THE COLLECTION AGENCY ABILITY RECOVERY SERVICES, IS REPORTING AND TRYING TO ATTEMPT TO COLLECT A DEBT ON BEHALF OF A CREDITOR.. THE COLLECTION AGENCY ABILITY RECOVERY SERVICES IS NOT BONDED OR LICENSED IN THE STATE OF FLORIDA TO ATTEMPT TO COLLECT ANY DEBT. I SEARCHED ON THE FLORIDA OFFICE OF FINANCIAL REGULATIONS AND DISCOVERED THERE IS NO LICENSING FOR THE STATE OF FLORIDA WHICH IS REQUIRED. I WOULD LIKE FOR THE ACCOUNT TO BE REMOVED FROM ALL REPORTING CREDIT BUREAUS. I TRIED DISPUTING AND CONTACTING THE ANGECY NO SUCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NE).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage services changed their payment address for bankruptcy accounts and did not inform their customers. I never received notice that my payment would not be received. When trying to understand why they did not contact me, all I received was the statement " because of the bankruptcy ''. This is an unfair practice and has exposed me to fees and possible failure to submit payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Bank account or service (Other bank product/service) with Xerox State & Local Solutions, Inc. (FL).
Issue: Using a debit or ATM card

Complaint: I noticed the balance on my account was less than I expected and inspected my statement online to learn that XXXX fraudulent charges occurred on my account. The charges were dated XX/XX/2016 and I reported this to my Debit card provider on XX/XX/2016. A few months later I was notified that the claim was closed due to me not sending back documentation about the claim that they mailed me. I never received what they sail was mailed. I contacted them again to re-open the claim and I sent the documentation they were missing to complete processing my claim. I received a denial because they are saying the documentation was received outside of the 60 day window to report a claim. The claim was initially reported 5 days after the fraud occurred! This was also a well know and highly publicized breech that occurred with XXXX in New York! I feel like they are giving me the run around to keep my money which is child support for my children. Please make them give me a refund immediately. 
Thank you for any assistance you may be able to provide.

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 03-02-2018 about Debt collection (I do not know) with National Credit Adjusters, LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Several months ago I was contacted by National Credit Adjusters about a payday loan they claim was from about ten years ago. I informed them then that I do not have nor have I had a pay day loan. I informed them I disputed the debt and requested proof, which they said they would send. A week or so later I received a packet addressed to myself from them. When I opened it, it was documentaion for someone from California, including what I would consider private personal confidential information. I immediately contacted the collection agency and informed them that they did not send me proof of anything, but in fact sent someone else 's personal information to me. The girl told me I could go to jail for opening someone else 's mail. I explain the envelope from them was made out to me, I did not open someone else 's mail. She asked again how I wanted to pay the bill and again I told her I dispute the debt and wanted proof which she said she would send. Nothing was received after that call. I received a call from someone again a couple weeks ago asking how I wanted to pay the debt. I explained everything to him, explained I've already disputed this twice and that they have never sent me any proof this is my bill and I was not paying something I don't owe. He said he would send proof, which again I did not receive. A few days ago another girl called and we went through the exact same thing. I also told her I dispute this and that she never sent me proof. She sent me a letter stating that I and 'National Credit Adjusters were not able to agree to a payment arrangement on the account referenced '. That is not an accurate statement, as I have DISPUTED this on multiple occasions and on at least three occasions I have requested they send me proof, which has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company ( US Bank ) did not make real estate tax payment for XX/XX/XXXX on time, event though I have made escrow payments. It will now be late and unable to claim on XX/XX/XXXX race return. This is a considerable amount of difference of refund, almost {$2000.00}. They have informed that I now have to wait until XX/XX/XXXX to claim the real estate taxes on the XXXX, putting it a year behind.

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 04/19/2017 about Debt collection (I do not know) with I.C. System, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am making a dispute against IC syste m, Inc in a resp onse to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices A CT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repo rts (  XXXX ,  XXXX , and  XXXX  ). This a ction constitute fraud under both  Federal and State Laws.

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 08/20/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been trying to get Experian to make the appropriate changes to my XXXX XXXX account since 2013 because the account history information is inaccurate. I 've provided proof of payment, which reflects the month and year and still no change. Instead, of making the corrections, Experian added additional inaccurate account history information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: When ordering my free annual credit report from XXXX, XXXX and Experian, Experian has consistently not given me online access after I have given all my correct personal information AND correctly answered all their " security questions. They state because of " security issues '' that they have to mail me a " secret number '' and then I will be able to come back to their site and view my report. NONE of the other credit bureaus do this to me. Experian has CONSISTENTLY made it difficult for me to obtain my free annual report for over ten years! Sometimes even requesting phone numbers from 20 years ago to verify my identity. I am XXXX years old and can hardly remember a phone number from last year much less 20 years ago. I am be harassed!

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 05-02-2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Continued attempts to collect a debt from id theft and negative credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Former or Current Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone number : XXXX is not on my credit report and is my current employee for last 2 years.

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 12/14/2015 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is being reported on my credit report and I have not knowledge of debt. No contact has ever been made with me concerning debt, not attempts to notify or collect debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. 

I NEVER had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: On XXXX XXXX, 2016 CITIBANK STATED IN WRITING THAT I HAVE AN EXISTING CREDIT CARD ENDING IN XXXX FOR WHICH I FILED BANKRUPTCY OF WHICH IS FALSE, THEREFORE THEY REFUSE TO APPROVE ME OF A XXXX VISA CREDIT CARD. CITIBANK HAS FAILED TO PROVIDE PROOF THAT THIS CREDIT CARD EXISTS FOR WHICH I AM REQUESTING THATTHE BANK PROVIDE ME A COPY OF THE ACTUAL CARD AND ANY BANK STATEMENTS RELATED TO THIS ACCOUNT. 
IF CITIBANK CAN NOT PROVIDE ME THE PROOF I AM REQUESTING THEN THEY BASCIALLY LIED BY PROVIDING FALSE INFORMATION IN A WRITTEN LETTER THAT THEY SENT TO ME WHICH IS TOTALLY UNLAWFUL.

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 09-07-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I have been in modification re entry review and was denied because of insufficient income as the Wells Fargo employee stated that my XXXX income ( XXXX month ) during XXXX career retraining does not count as it will run out. They are currently reviewing it again but not counting XXXX income again.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquiries are unauthorized. XXXX, XXXX, and XXXX does not want to investigate these inquiries.

Company response to consumer: Closed with non-monetary relief