milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have previously disputed credit inquiries on my credit report caused as a result of true name identity theft, Equifax has failed to delete or investigate the inquiries.     I have attached a copy of the police report for identity theft.     The inquiries I am disputing are :  XXXX   XXXX  -  XX/XX/17    ( ID THEFT )  XXXX  -  XX/XX/17    ( ID THEFT )  XXXX   XXXX   XXXX  -  XX/XX/17    ( ID THEFT )  XXXX   XX/XX/17    ( ID THEFT )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (TX).
Issue: Trouble during payment process

Complaint: My Mortgage servicer is LoanCare , LLC which is part of XXXX XXXX XXXX XXXX. The Mortgage Payment is due every XX/XX/XXXX of the month and late after the XX/XX/XXXX of that same month. I have not been late since LoanCare was assigned to me by XXXX XXXX in XX/XX/XXXX. But since then I have notice some anomalies in the activity of my escrow account that lean toward making it difficult to pay on time and bring up my credit score because of on-time payments. In XX/XX/XXXX there were funds moved in and out of the account for nothing on the surface. But when you look at it closer, the movement exhaust the escrow causing an advancement from the mortgage company, therefore increasing the balance of the account to drive down the credit score. This allows all attempts to get a better loan to fail because your score is just below the approval line. 

In XX/XX/XXXX the Escrow Account was drafted in XX/XX/XXXX when it did not need to be drafted till XX/XX/XXXX for Tax bill due. But LoanCare chose to do it early because they could cause a temporary advancement to drive down the credit score. Payments in XX/XX/XXXX and XX/XX/XXXX would of been sufficient to pay ALL of the taxes outstanding before the XX/XX/XXXX Due date. 

Also I pay all my Mortgage payment online through my own checking account XXXX XXXX XXXX. This way I can keep a meticulous record when the bill is paid. Also the payment is drafted electronically in 24 hours. But I have noticed that though the account is funded, LoanCare does not credit the account for 3 to 4 days. LoanCare does not have a local branch in the XXXX area and all Online payments through their site cost a fee. 

This account is intentionally made difficult and expensive to cause defaults and foreclosures to struggling homeowners. I have attached copies of proof of the above statements. If you have any questions I can be reached at XXXXXXXXXXXX. Though I have filed a complaint with my Mortgage Servicer I do not expect them to change their behavior. I will be passing on to the press this information too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff transunion XXXX  and 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 03/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have appreciably {$95000.00} in student loan debt. I have been on an income based repayment plan for many years, and renew it each year by providing my tax returns and/or pay stubs. 

My income increased last year. I filed the paperwork to renew the income based repayment plan, aware that my monthly payment amount would increase. I was surprised to find howeveer that my payment had increased to 400 % of the prior year 's amount. Because I can not afford the newly recalculated payment, and because Navient 's website states that it will work with borrowers who are having trouble paying, I reached out to see what could be done. 

I informed the company that I was willing to extend the term of my loan or look at any other options that would prevent me from defaulting. I was told that my income based repayment could not be adjusted. In an online chat with Navient. was told that I could call the company, make a payment of whatever I could afford in order to exit the income based program, and then the company would help me enter into another payment plan ( such as an extended repayment period ) that would help me afford my payments. I called the company to do so ; and was told that I would need to make an immediate payment of $ XXXX in order to exit the income based plan and to even see what my options would be under another plan. Shocked, I said that I could not afford $ XXXX immediately. The representative suggested I enter forbearance on my loan. Because I could not see another way to avoid default, I agreed to enter forbearance. 

Because I had received conflicting information from two different Navient representatives, I called the company again. I explained that I wanted to make the payments that I could, that I did not want to be in forbearance, and asked that they please help me enter another plan. Again I was told that I would have to pay $ XXXX in order to even see my other options. 

At this point I am still in forbearance although I am paying what I can on a monthly basis so interest does not continue to accrue, but this is not a long term solution as forbearance is limited.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: An item was reporting on my account that was not mine. I asked both Equifax and the creditor for validation per FCRA rules. This was removed as a result since it could not be verified. I just noticed that this account has been put back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with Stillman Law Office (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I reached an agreement with Schlee and Stillman to pay {$600.00} of a {$800.00} judgement. A few months after paying the {$600.00} they levied my XXXX XXXX XXXX account for {$300.00} and are still holding my account hostage. I was never served or notified of a levy. I am experiencing economic hardship because of this company actions.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: I just received Bank of America 's latest disclosure on new fees they intend to begin charging in the as of XXXX, 2015. These include a " Legal Process Fee '' of {$120.00} for each legal order they receive to freeze, attach or withhold funds, including attachment or garnishment, in a customers account. This is an exorbitant levy bearing no relationship to the cost of processing the request, that punishes customers who are in the midst of financial difficulties. Attached is a copy of the disclosure notice with the description of the fee circled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX XXXX, 2016, I received from Amazon.com & partner Chase, an unsolicited " Amazon Rewards VISA '' credit card. As shown in the uploaded pdf files, this unlawfully issued card had a credit limit of {$6500.00}. I shredded it immediately and called Amazon customer service, who in turn referred me to Chase security. According to them, my personal information was used by a " 3rd party '' to request the credit card. However, neither was willing to show me any proof of the information used by this so-called " 3rd party ''. For example, they said the personal information included the answer to my security question asking for my mother 's maiden name. I asked what the so-called 3rd party 's answer was to that question and they could only say that it was " my name '', which is not the established correct answer to that security question. I told each that they should be able to provide me all information used to open a credit card in my name, but they were not able ( or not willing ) to provide me any proof that it was not they who issued this unsolicited credit card. Moreover, I told them that the card came to my address, rather than the address or post office box of a so-called 3rd party ... a fact that makes no sense when a 3rd party had nothing to gain by sending the card to my address. I then contacted XXXX of the XXXX credit reporting agencies, which shared my fraud alert with the other XXXX credit reporting agencies. Each of them provided confirmation of the alert. 
The XXXX document in the uploaded pdf file, shows another instance of Amazon.com and Chase issuing an unsolicited Amazon Rewards VISA for a credit limit of {$5000.00} to another consumer. Finally, the third document in the uploaded pdf file, is the XXXX XXXX CEO 's recent admission that XXXX had also been issuing unsolicited credit cards and other services. Perhaps this was an Amazon/Chase attempt to keep up with their XXXX competition. 
I am requesting that the CFPB require Amazon and Chase to provide to the CFPB, and to me, all information use in requesting and issuing this unsolicited credit card, in a sincere and good-faith effort to convince me that they issued this credit card based on information provided in a request by a 3rd party!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: have disputed a bankruptcy on my credit reports, XXXX and XXXX have removed it but for some reason equifax does not remove this inaccurate information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX BANKRUTCY IS DISPAYED INCORRTCY AND IT HAS BEEN OVER 30 DAYS AND STILL THE INORRET INO HAS NOT BEEN DELETD FROM MY CREIT REPORT. 

DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NY).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax had a breach of security and my most precious personal information was compromised. Equifax was given this information per agreements with my banks and loan providers without my knowledgeprobably mentioned somewhere in those pages and pages of fine print common in every transaction from television purchases to home financing ( XXXX bless capitalism for giving us too much to read! ) Not that I would have a choice either way. Were I to opt-out of this sharing of information, I 'd be less likely to be approved for an apartment, a home or student loan, and even employment, as my credit history would n't be available to those organizations. 

As this is an official record, I 'd like to say that the Equifax executives who let this go on for months and then sold their stocks before acknowledging the breach publicly should be held accountable and sent to federal prison, but they 'll probably just end up working as senior advisors to the president. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgement on my Trans union and XXXX accounts and I 've stayed with my parents since XX/XX/2008.

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 01-10-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Problem with additional add-on products or services

Complaint: Citizens Banks has engaged in a pattern and practice of lending consumers " overdraft '' lines of credit at exorbitant interest rates to its customers with no notice of such loans, and no prominent disclosure of the interest rate at which such loans are made. Citizens then lets the loans languish while the consumer has more than enough funds to pay the loans off. Citizens has been able to do this by encouraging the use of " paperless '' statements. In my personal experience this has happened on several occasions to the point where I finally cancelled the overdraft feature of my account in XXXX of XXXX. I was certain I had paid the full outstanding amount of any overdraft loan at that time, when approximately two years later I learned that I had yet another overdraft outstanding balance from XXXX. I have been caused to pay {$1000.00} on this {$2000.00} loan in the course of two years when I easily could have paid it off. I am on the phone now with Citizens Bank ( have been on hold for one hour ) and they are telling me that I have to GO TO A BRANCH to pay the overdraft loan when I have {$34000.00} in my account. I need to pay the {$2000.00} immediately because I am applying for a mortgage and will suffer irreparable harm if I am preventing from doing so. I believe Citizens is intentionally making the repayment of such amounts so they can continue to profit from the unfair, onerous interest amounts they charge consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Medical) with LJ Ross Associates (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: L J Ross will not stop calling me. They called me countless times during work and I am unable to pick up. Every time I called them back, they said my number is not in their system and I do not have an account and their IT department would resolve this issue. I finally sent a cease and desist via certified mail and still continue to receive calls. I am now pursuing civil action against them for their numerous violations against the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been disputing incorrect information on my transunion credit report for some time now. There is incorrect information on my credit report and I just keep receivng a response within 2 weeks that the information is reporting correctly. This is completely wrong. My credit score is very low due to all these wrong accounts reporting incorrectly. I have 2 public records reporting this is wrong. I have settled this wrong information with the creditor and it was corrected and removed from another credit reporting agency so this informaiton was verified and corrected why transunion did not receive the right information and delete it as they were suppose to do is beyond me probably because they did not do a proper investigation or it would have been corrected. I DID NOT have 2 tax liens. They were removed from XXXX and XXXX so it should be removed from transunion. Another account is XXXX acct # XXXX reporting for {$860.00} charge off collection. This informaiton is wrong as well as I did not have a charge off in this amount with this bank. Another account is XXXX motor fianance reporting as open in the amount of {$4900.00}. This debt was PAID in full. I have been calling transunion to dispute this information and just keep receiving responses that the information has been verified. I have submitted substantial documentation to transunion and upon verifing they received it they tell me they did not receive it. Transunion is a horrible credit reporting agency as they do not fix wrong information which in turn is affecting my score and affecting me in obtatining substantial credit. I am being denied credit due to the wrong information reporting that should be deleted.

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 11-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I currently have a Chase checking account that has been overdrawn/non-sufficient funds since XXXX XXXX of this year. I have been going through a financial hardship since XXXX XXXX. I have been trying to come up with way to bring my account current but I continue to get late fees and overdraft fees added to my balance has been very hard to pay. My currently balance due is {$580.00} but {$480.00} is combined with monthly service fees and insufficient funds fees as well. I only recall my account being overdrawn by {$160.00}. I received a notice in the mail on XXXX XXXX. Stating I have an overdrawn {$500.00} which I was not even aware because prior to I did not receive any notices from Chase. Since then I have been charged two more fees of {$34.00} which brigs my total as stated earlier to {$580.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Delinquent account

Complaint: I have repeatedly asked American Express to stop calling, stating CEASE AND DESIST as I am filing bankruptcy and they continue to harass me, calling my cell phone and landline multiple times a day, often showing up as Unknown or Private Caller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2016 about Mortgage (Conventional fixed mortgage) with AmeriHome Mortgage Company, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My current mortgage servicing company is AmeriHome Mortgage. They bought my loan from XXXX XXXX in XXXX of XXXX. AmeriHome Morgate claimed that they never had my insurance policy paper on file and their escrow department never paid the premium that was due XXXX of XXXX. I ended up paying the XXXX premium out of pocket. See my latest email below to AmeriHome dated XXXX/XXXX/XXXX. It documented the whole ordeal and what I expected from them to resolve the issue. 

==== I have contacted Amerihome multiple times about my property insurance premium issue. Your response below did n't capture what had happened. Let me summarize : 1. The service of this loan was transferred over to Amerihome from XXXX XXXX in XXXX XXXX 2. During the transfer, the insurance document was missed. Even though this is really not my problem ( you should have contacted the loan seller for that ), nevertheless I uploaded on XXXX/XXXX/XXXX the most current policy, which is the XXXX/XXXX/XXXX policy. 

3. I then contacted Amerihome multiple times notify about the policy expiration date. I was told that a request has been made to escrow department. However, no response since then. 

4. To keep the policy from lapsing, I ended up paying XXXX the XXXX policy premium out of pocket, and designated Amerihome as the mortgage holder. 

5. As you can see, I am doing all the tasks that a mortgage servicer is paid to do. From your response below, nothing seems to have happened from Amerihome side. If I did n't take the initiative of paying the premium myself, I shutter to think what would have happened to my coverage. 

6. Let me spell out what I expect from Amerihome. Refund me {$980.00} the policy premium from my escrow account, or pay XXXX the same amount and they will refund me directly. 

7. Notify me via message or phone XXXX by XXXX/XXXX/XXXX about status, or I will log a complaint with XXXX about Amerihome. This will be my last resort, but I do n't see any other options, having had to dealt with your lack of effort/urgency regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Medical) with Simon’s Agency, Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request. 

RE : Account Number : XXXX Balance : {$13.00} Original Creditor : UNIVERSITY XXXX XXXX / Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$360.00} Original Creditor : XXXX Account Number : XXXX Balance : {$200.00} Original Creditor : XXXX XXXX Account Number : XXXX Balance : {$920.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : UNIVERSITY XXXX XXXX /

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation