milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 4 loans from XX/XX/XXXX-XX/XX/XXXX have been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX in which was deferred as I was a full time student

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Auto) with Shermeta Law Group, PLLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX, their representative Shermeta Law Group refused to validate ( their ) the alleged debt for an auto loan, prior to taking legal action. 
Prior to this, XXXX XXXX made false statements regarding this loan and the loan had been modified ( mutually ) : there was no record of this provided. 
XXXX XXXX refused to acknowledge any issues and upon request, sent inaccurate information in response.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland funding purchased my debt from XXXX XXXX XXXX in which I paid off I never had an account with midland funding which is a third party debt collector that buys debt for as low a {$1.00}. They have no proof that I ever had dealings with there company they are reporting false information to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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: XXXX XXXX BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.

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 01-03-2017 about Mortgage (FHA mortgage) with PRIMARY RESIDENTIAL MORTGAGE (TN).
Issue: Application, originator, mortgage broker

Complaint: I selected this lender for my first time home purchase. I was referred to this place. I was pre-qualified, found a home, and started the process on XXXX/XXXX/2016. My close date on the contract was XXXX/XXXX/2016. Throughout the entire process i kept emailing and calling to find out what 's needed, what are the next steps. Finally on XXXX/XXXX/16 it seems someone started to work on my file. I 've been promised a closing disclosure since XXXX/XXXX/2016. Every day i 'm told tomorrow. My real estate agent has had my contract extended three times. I even emailed the CEO of the company for resolution without any. This is by far the most incompetent company i 've ever worked with. Throughout the process I felt as if nothing was happening. I was right. My appraisal was ordered two weeks before closing. My verification of employment was ordered 6 days before closing by XXXX XXXX. Now we 're nearly two weeks after i was supposed to close, they finally have everything they need and i still do n't have a closing disclosure or close date. Specifically tax returns, w2 's, verification of rent, verification of employment, termite inspections, and appraisal corrections were still needed on XXXX/XXXX/2016. XXXX and XXXX told me multiple times I was on track to close as scheduled. I emailed and called them daily. Nothing was needed. It seems as if no one touched my file until XXXX/XXXX/16. However, now it 's too late. I 've missed my close date, my contract is now invalid for the third time, and I 'm losing more money each day this closing is delayed. I 'm now at risk of losing the money i paid for the appraisal and home inspection as sellers do n't have to extend offer a fourth time. When I press and ask additional questions both loan officers find laughing appropriate. There has also been no accountability on Primary Residential 's end. When I demanded answers on what was going on with my file and why I was n't receiving my closing disclosure on time, my credit score was emailed to third parties with an email stating due to my credit score there are extra steps. It was never communicated to me that my loan would not close on time due to my credit score. There are many lenders that work with XXXX plus for FHA. Those lenders also understand the importance of customer service and contract dates. I do n't understand how this company is allowed to operate as a lender. I 've been told my loan is for final approval since XXXX/XXXX/16. New year, still not approved. I feel absolutely helpless at this point and the dream of home ownership is slowly slipping away.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: Equifax I am NOT Equifax customer.     I am not Equifax customer and I do n't remember I ever registered with Equifax, IF I did I do n't think I will share with Equifax with my personal information like " STUDENT LOAN THINGS with Equifax.     Equifax provided my personal financial information a widely with third parties without my permission.     I contacted Equifax this morning  XXXX   XXXX   XXXX  to dispute all my credit history from his page. " When I Contacted Equifax and requested a dispute my credit report, Equifax asked me security question " like how much student loan do you have, and who is the loan provider?     The Equifax NOT my student loan lender, this not Equ ifax business,  and again I do n't remember I did share my student loan information with Equifax, again I dont want to share my student loan information with Equifax, so I refused to answer Equifax 's security QUESTION which related to with my personal financial informations. And Equifax said " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. ''  XXXX   I  am NOT   XXXX   customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request  XXXX  to dispute my credit history from the   XXXX   website.       XXXX   I am  XXXX  customer.     I am request   XXXX   to dismiss my OLD credit history from his webpage. Especially olds  XXXX  NO good for my future business.       XXXX   provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request  XXXX  to contact me first before provide my credit history to THIRD parties

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (GA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016, I filed for a modification. My single point of contact was XXXX XXXX. Once all of my documents were received and processed, I was told that my modification worked on a 3 month trial run and that I had to make those 3 months on time and then it would go permanent. I was also told that my 1st payment was n't due until XXXX XXXX. That left me open for XX/XX/XXXX & XX/XX/XXXX. I asked XXXX XXXX several times on more than one occasion and another rep that I called in and spoke with about those XXXX in between payments. My question to them was did I have to make those payments and with me missing those payments would that be reported to the credit union as late since I 'm doing a modification. I was told by XXXX XXXX and another rep, that what happens is once your modification goes permanent, they would go back and update the months from XX/XX/XXXX to reflect current. I am now trying to get a loan to update some things around my house and the credit bureaus are showing me as 6 months late. I have not been late, as a matter of fact, my mortgage is paid before the XXXX of the month. I 've since then ( in the last 2 weeks ) have been calling Roundpoint and getting the run around and also being told there 's nothing they can do because I was misinformed. How dare they! So now, I 'm being penalized because you have people misrepresenting your company. I told them several times, if they documented my account they can go back and listen to all of the recordings to see what I was told. My sister cosigned for me on my loan there 's no way I would mess up her credit along with mine. Now they do n't want to correct what they 've messed up. I can show bank statements where my note has been paid on time and if they can produce the calls you will clearly hear them tell me that they will go back to update that information. This is bad business and they act as if it 's not an issue for them.

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 05/19/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Application, originator, mortgage broker

Complaint: I have been representing a homeowner trying to do a short sale with CHASE bank and has an FHA loan associated with the short sale. Chase has this short sale set up to work out through a website called XXXX. I have been messaging the negotiator, the account manager, thier supervisors and everyone else that is associated with the file. After several weeks of being ignored, I have made several attempts to call into the Short Sale dept and ask for someone to respond to my requests as far as if our short sale package was sent to the investor for approval. Not XXXX person will or has responded to my requests. They are actually XXXX my file and not speaking to me or trying to help our seller in making sure that they are being represented properly in this short sale. I have tried just about everything to get them to respond to us in writing on what the status is on our file and can not get anyone to do that. This is ridiculous! Our file has been there since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Stellar Recovery never contacted me about my debt or provided me with any information regarding the delinquent account they inherited from XXXX. I did not receive the notice of right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX to Nationstar about 3 - 4 months ago. I have been trying to close on my coop for about 2 months. My attorney has been requesting for over a month to have Nationstar attorney bring original stock / lease certificates so we can schedule a closing date. Nationstar does not respond to my attorney request. When i call Nationstar they keep telling me i have to pay my mortgage first, then they will release the stock / lease certificates to my attorney. I am about to lose my buyer due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I argued with a teller on Saturday XXXX/XXXX/2016. I went in to pay my mortgage for XX/XX/XXXX. They received a check for {$2800.00} but they dated my receipt for the dat of Monday XXXX/XXXX/2016. I understand that it may not post until Monday but I argued that the date on my receipt should be Saturday XXXX/XXXX/2016. They told me the reason was there is no banking on Saturday, yet they were open and received my funds that day. I think this is wrong and illegal. If they take a payment on a date that is the date the receipt should say. There may be no trading on Saturday but there is banking or I would not have been able to go in and pay this mortgage payment. If I went in to cash a check on XXXX/XXXX/2016 and dated the check for XXXX/XXXX/2016 they would not have cashed the check. What is the difference? Because they are a big bank they should not be able to make their own rules. I say this is illegal.

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 11/25/2015 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (NC).
Issue: Settlement process and costs

Complaint: I applied for a conventional 30yr fixed mortgage loan with Sebonic Financial in XXXX, NC which is a subsidiary of Cardinal Financial Company. I did not receive the correct Closing Disclosure until I was at closing. I was provided a preliminary disclosure, but it was not 3 business days in advance and it had significant errors ( over {$170000.00} wrong ) although the new mortgage rules require disclosure at least 3 business days in advance. I had to explain to the lending institution that a HUD is no longer provided by the closing attorney and spend countless emails and phone calls back and forth requesting they correct the closing disclosure and paperwork, but I had to sign incorrect paperwork at closing because it was never corrected appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MI).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX My wife had dental work done at XXXX XXXX. The total work cost {$1100.00} and they charged it to a Care Credit Card in my name, card # XXXX XXXX XXXX XXXX. It was a 6 month no interest if paid in 6 months. Care Credit is now Synchrony BankI paid each month as required as follows : Pmt. # XXXX Date XXXX Amt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total paid was {$1000.00} and as soon as I realized I made an error I called and talked to a lady there and told her my problem. 
I have had many health problems lately, including a XXXX because I was XXXX from low XXXX XXXX. I had to have my XXXX because of XXXX and I also had XXXX XXXX at the same time and had to have the XXXX removed also. The I had months of XXXX XXXX which cost me over XXXX of my XXXX. Needless to say my mind was not 100 %. I new I had to pay the {$420.00} but some how I only paid the {$300.00}. 

I then received a phone call demanding I send them {$1300.00} or they ( insinuated ) they would ruin my credit. Not wanting any problems I sent them the {$1300.00} I sent them XXXX registered letters and received no beneficial replies. Why the {$1300.00}? Nothing adds up except my loss. Even the 26.99 % interest does not add up. They sent me a check # XXXX for {$120.00} dated XXXX. Why? I have not cashed it!! 

Please help me if you can! 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2018 about Debt collection (Auto debt) with Professional Bureau of Collections of Maryland, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2018 I disputed the validity of a information being reported on my credit XXXX XXXX file from Professional Bureau of C stating that I still owe {$5700.00} on a Auto Loan owned with XXXX XXXX XXXX. This information is incorrect and I do not still owe either company because the account was paid in full through by bankruptcy filings. I would like this negative information removed immediately from my XXXX credit file as it is negatively affecting my credit and my ability to purchase a new vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This is an invalid debt and I am requesting help to resolve this matter. I have been receiving calls and have received 3 letters in the mail regarding this invalid debt, see attached documents. The dates of the letters were : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Portfolio Recovery is illegally calling me and sending me fraudulent paperwork regarding an invalid debt. They have violated the Fair Credit Report Act by attempting to collect an invalid debt that is past the statute of limitations. The original debtor is XXXX XXXX and the debt is from XX/XX/XXXX and was cleared from all three of my credit reports in XX/XX/XXXX. The amount owed is incorrect, I do not owe this debt. They are also breaking laws and calling and harassing me several times a week even though I clearly told them the debt was invalid and to place me on their do not call list. They repetitiously call and annoy me several times per week, see my list of numbers and dates below. Whenever they call they never identify themselves and I have to blatantly ask who is this? Calling from where? It is causing XXXX  XXXX and I suffer from XXXX as well. Here are some of the dates and numbers they have called from : XX/XX/XXXX ( Thursday ) XXXX Portfolio Recovery Assoc . ( XXXX ) XXXX XXXX XXXX, CA XX/XX/XXXX ( Tuesday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Thursday ) XXXX PRA ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, XXXX XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Wednesday ) XXXX PRA , XXXX ( XXXX ) XXXX XXXX , TX XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX, MD XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XX/XX/XXXX ( Saturday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX, MO XX/XX/XXXX ( Friday ) XXXX PRA, XXXX XXXX. ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Saturday ) PRA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Thursday ) XXXX PRA , XXXX ( XXXX ) XXXX XXXX , IL XXXX/XXXX/XXXX ( Thursday ) PRA using some man 's number when I called back to verify ( XXXX ) XXXX he has been getting scam calls too and we have no idea how they used his number XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, OH XX/XX/XXXX ( Monday ) XXXX PRA using man 's number ( XXXX ) XXXX XX/XX/XXXX ( Friday ) PRA ( XXXX ) XXXX tried to call back but just busy signal I am requesting help resolving this matter as quickly as possible. I wish to no longer be contacted by Portfolio Recovery Associates, LLC regarding this invalid debt via phone or mail. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Charges made without my knowledge.

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 09/22/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have ( 1 ) 30 days and ( XXXX ) 60 days late on my credit report. I 'm trying to re-fi my house, this loan has been paid in full and early. The company has refused to help me, the late payments were back in 2010. when payments were late we always called to get help from the company. They would refuse I was in between jobs but had always was on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to use the annual credit report website. I was able to get my XXXX and XXXX reports, but Equifax kicked me out, instructed me to use a paper request with unduly complicated instructions and then when I went to try and access it through the annual credit report website, displayed a screen falsely saying that I had already accessed my free report for the year. I attempted to call them and their automated system is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Closing/Cancelling account

Complaint: I called American Express to have an authorized user to be removed from my account and the representative mistakenly closed my entire account! When she did that she also forfeited all my membership rewards points! I was told many times that they would re-open the account and they never did after weeks of calling. This was confirmed by XXXX, badge number XXXX. I was lied to and their inappropriately closing my account caused me a financial loss by the loss of my points. I am outraged. I never authorized the account closure - ever!

Company response to consumer: Closed with non-monetary relief