milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of Identity theft and I have filed a compalint with the FTC with the reference number XXXX. The credit bureaus XXXX and XXXX have both removed the XXXX account from my reports as required by FCRA law. However, Experian has not. 
Experian is still reporting inaccurate information for the XXXX account number # XXXX. 

Experian has surpassed the 5 days to delete according to the FCRA 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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have requested that all inquiries be removed during my dispute, as I have not applied for any open lines of credit outside of XXXX XXXX and XXXX XXXX, nor have I tried to get a me car loan

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 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt Solutions said they have a balance of XXXX to collect from me from XXXX. I did not have a balance with them. In -fact I am back with them after two years. I sent all equipment back and had a XXXX balance. XXXX ca n't give me an explanation and The Debt company ca n't either. XXXX keeps telling me to contact the other. Why have n't I heard of this before XX/XX/XXXX? If I did indeed owe money why would XXXX take me back as a customer? I am very frustrated with trying to get to the bottom of this exorbitant bill that no one can explain where it came from. I do not have any bills because I did not have a debt. XXXX will not send me anything to substantiate this. I have been rebuilding my credit since XX/XX/XXXX when my cards were stolen ( XXXX ), and misused ( not by me ) XXXX XXXX. I would not allow a debt to remain un paid or ignored. I appreciate all help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (FHA mortgage) with Supreme Lending (TX).
Issue: Closing on a mortgage

Complaint: I was misinformed the entire time of my loan approval process and lost {$2000.00}. I was told I was approved for the house more than a month ago. 2 days before the option period I was told unfortunate news that it was there was so confusion and I would need more money to close.. I then asked if that was all that was needed along with paying off requested accounts and I was told yes.. After the option period I was told interest jumped on me. I accepted and we moved on agreeing that I would have to sell a truck on my name. Then a week before closing I was told a mistake was made with entering my yearly income and was told could not close till I got yet another account cleared. I was completely told the wrong information the entire time along with mistakes made that weren't mine. Outcome - We did not close and I lost {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a student loan from " Discover Student Loans '' in XXXX 2015. I had a XXXX credit score at the time, and my Federal aid would not cover Out of State Tuition. I accepted the loan for 6-12 % fixed rate interest, sure that I would receive close to the lowest. Half way through the semester, I receive notice ( through the loan servicer, mind you ) that my interest rate would be the full 12 %, and I was forced to drop out, so that the XXXX half of the tuition bill would be refunded. Discover Bank used the most predatory loan terms possible.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have paid my bill on time every month and it was never updated on my credit report. The loan is now completely paid out and the whole balance is still showing. This account should be closed with a {$0.00} balance.

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 06/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient is counting my income as my husband 's income, and he is a XXXX. Navient says we have to file taxes separately in order for my income to not count as his, but he has NO income and he is my dependent. How does that work? His payment was {$110.00} a month and now is {$330.00}. Both Navient and XXXX moved us from an IBR to ICR this year, and I can not figure out why. We spend {$XXXX} a month on our son 's XXXX, plus whatever XXXX bills I may have. With what Navient is charging for my husband 's payment plus my payment, we are paying over {$1000.00} a month on student loan payments. I bring home less than {$XXXX}. We can not pay this amount for my unemployed husband. He has no income and it is a double charge for my income to make him pay based on my income. Navient has been threatening to charge him even more. I can not figure out how to get help, and Navient is being incredibly awful to my husband. With the XXXX, we do NOT need additional XXXX and we are not going to be able to survive with the payment they have assigned him based on my income. We had to complain about Navient before ( last year? ) for being even worse and telling my husband to falsify a government document. I do n't know how to get Navient to reduce my husband 's payment. How can it be right to charge me twice on an ICR ( which is supposed to be an IBR plan )? He has XXXX income.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I had a major loss of income in the pass, I 've been trying to obtain a loan modification from my servicer on my own. Things started out well, submitted all requested documents without any issue but since XX/XX/XXXX the servicer has stopped communicating with me. So i contacted via the telephone to see what was going on, I was told that they did n't receive the requested documents i was missing page # XXXX and thatvi needed to resend the entire package and I complied for them to tell me page # XXXX is missing i faxedthe entire package XXXX more times to only be told something else was missing I again contacted my servicer and told them i felt that they were giving me the run around and that i 've used the same fax machine since the beginning with absolutely no problems the prnt out states received ok and how many pages sent at this time more than a month later I was told to just resend page # XXXX which I did and to pay stubs which I sent as required per page # XXXX ..previous stubs had expired.. I received a letter dated XX/XX/2017 that they could n't review my application for a modification because there was less than 45days until the sale date. Please note that my income is adequate for a modification. I feel that my servicer purposely stalled for time so I would n't be eligible to modify my mortgage. There were other incidents that have occurred during this process that I thought maybe they made an honest error but once this happened I knew they were n't honest errors..example ie your monthly income before taxes is XXXX dollars which in fact it was over XXXX.. I need this to be looked into because i can afford to keep my house. 

Thank You

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 06/30/2016 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Shopping for a loan or lease

Complaint: we were denied credit because of serious delinquency, and public record or collection filed. We filed chapter XXXX XXXX XXXX and Capital One Bank USA NA was paid in full according to my attorney XXXX, NY XXXX and also XXXX XXXX XXXX were paid. There should be no written off amount or any liens against my property on XXXX, NY XXXX. Please remove this negative information and report this history as a fair and accurate information. I would like XXXX TX XXXX XXXX please correct this information and XXXX XXXX and XXXX XXXX to correct the negative information. Also our XXXX Case Number XXXX is paid our second mortgage loan number XXXX is also paid through bankruptcy chapter XXXX through court system in XXXX, XXXX XXXX XXXX we have a letter saying all of our payments are satisfied. Experian credit needs to correct & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (IN).
Issue: Credit decision / Underwriting

Complaint: I had recently spoke with a representative from a lending institution about a refinancing loan for my home. He had gathered information about myself and the property in question. I am looking to shop competitor rates and fees as well so I told him I would not like my credit to be pulled at this time. He then stated that he would not be able to give me an estimate unless my credit rating was pulled. I then said I would call him back, I then called a family member who owns a mortgage company and has been in the business for 30 years. She had informed me about the new law called " XXXX '' instituted on XXXX XXXX, 2016, stating that when you provide the XXXX pieces of information, name, social, property address, loan amount, income and an estimated appraisal value that the lender is required to provide you with an estimate of rates and fees by law within 3 days. I then called him back stating this because I gave him all the pieces of information except my social security number the first time we spoke because he said he would use it to pull my credit report to be able to provide me with an estimate of rates and fees. I did not want my credit pulled at that time and that is when I called my family member and she explains the laws. He then insisted on saying that is why he needed my social is to pull my credit so he can give me a loan estimate. As explained to me by my family member in the mortgage business, he can not pull my credit without my approval and could be in serious trouble if he did, I just wanted to shop rates and fees like I am able to do, he then became very short with me saying he would get fired if he were to guess at loan rates for me, so he just said some where between 3 % and 6 % and said he would delete my information, and that was the end of the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello, I opened a credit card with XXXX XXXX last year to help build my credit and apparently, they transferred their credit accounts to XXXXXXXX XXXX XXXX ' in late XX/XX/2017. I made all of my monthly payment online at the XXXX XXXX 's website and when I was attempting to make my payment for XX/XX/2017, the website would not allow me to log in. I was waiting for any correspondence to inform me on how to make payments towards the account. At the time, I had less than {$80.00} to satisfy the account. 

I finally received an email from the new company late last month, stating the account is now in collections. After checking my credit report, I verified they've reported delinquency and the collection status. I don't feel this is the best practice of any financial institution, since up until last month, I have not received any electronic or postal correspondence on how to make payments. 

Thank you for your assistance to resolve this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I asked Ocwen Loan Servicing for a loan modification after my husbands illness. At the time I was behind in payments and was willing to pay longer for less a month. Instead of lessening my payments, they have charged me {$1200.00} instead of {$800.00} After the XXXX we had in the XXXX, I could not keep up.We had tree damage, very high heating bills and the co-pays on my husbands XXXX medications went up. I thought I would Get help from Ocwen, but I did n't. I agreed out of fear for my home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by  XXXX  &  XXXX . This is preventing me from communicating with other financial institutions.I 've advised Bank of America this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the Bank of America account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with Bank of America and still has yet to be assigned to  an investigator. My account  was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told  14-21 days no w I 'm being told 60 days and was hung up on today after requesting to speak with  a manager.  Whoever noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.

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 12/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Other

Complaint: Hi I have credit card with Capital One. It was opened in XX/XX/XXXX at XXXX time they were reporting to my credit bureaus. Now they are not. Need them to report my payment history to all XXXX bureaus if possible. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: Wells Fargo switched my account from paper billing to electronic billing without my consent in XXXX of XXXX. Due to me no longer receiving paper bills, I accidentally missed one payment. This was the first payment I ever missed and once I noticed the issue, I promptly corrected it. My history with Wells Fargo clearly shows I pay extra principal for every mortgage payment. Wells Fargo customer service confirmed they switched my account to electronic billing but never took responsibility for this. Wells Fargo reported the missed payment to the credit card bureau and refuses to take any responsibility for their unethical behavior. Before and after this incident occurred I was attempting to refinance my mortgage out of an ARM. Now, I was just told I am unable to do so until I have a 6 month clean payment history. Thus, due to Wells Fargo 's malicious interference in my account, I will be financial penalized for their misconduct.

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 01/25/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX acct-XXXX, Tax Lien acct-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I bought a second home in XXXX with XXXX. 
We filed for Chapter XXXX Bankruptcy in XXXX, but this mortgage was not included. So, we continued to make the payments every month even though this loan had changed hands several times. In XXXX of XXXX, our Chapter XXXX bankruptcy was discharged. Since XXXX of XXXX I have been calling them to see about receiving a regular statement, i.e. showing the principal, escrow, and interest payments, etc. 
I have been calling them at least once a month upon receiving thier statement that does not include any " real '' information. They have told me that there were unapplied funds, that I did not have to make a payment, that they were working on reconciling my account. This month I recieved a " statement '' showing : my payment, an escrow disbursement, and XXXX payment reversals dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I wonder if my payments have gotten mismanaged or who knows?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Problems caused by my funds being low

Complaint: About XXXX years ago, I signed up for a reserve line of credit with my bank. At the time, the bank teller told me that I would no longer be charged for overdrafts if I connected my checking account to the reserve line. As a result, I believed I was protected from overdraft fees by the reserve line. 

Twice this month, my checking account has overdrawn, causing the reserve line to kick in and transfer me money to cover the transaction. Each time I was charged {$12.00} -- my bank statement labeled that charge as " overdraft protection fee. '' I called my bank to complain, and was told that the free was not an overdraft fee, it was a " transfer fee. '' Which is a fee for transferring money, which I do n't pay when I transfer money from the reserve line myself. 

At a minimum, the bank is misleading customers by implying that they will not be charged an overdraft fee, particularly because the fee is still labeled an overdraft fee on my account statement. While they may distinguish between these fees internally, they certainly are n't transparent about their policy. If they had told me " a reserve line will allow you to access reduced overdraft fees when you overdraw your account, '' that would have been open and transparent. And it would have altered my behavior, because I would not assume I was covered by a reserve line.

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 07-11-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Account was closed on X/XX/2017, with no warning. Now applying for mortgage I am being told the account was closed and it hurting my debt ratio. Tried getting it reinstated and bank will not help. paid on time, and paid off the credit card on time.

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 04-04-2018 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: XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX  XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}

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