milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax Confirmation number : XXXX Fax Letter dispute, sent notarized certified dispute letter to Equifax on XXXX XXXX, XXXX, Tracking # XXXX via USPS. Asking company to validate not verify inaccurate items on my credit report. Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. If a credit bureaus, collection agencies or creditors can not prove the account or inquiry is my account in a timely manner ( 30-45 business days ) the account must be removed from my credit report. That means provide me with physical documents with your signature. 
1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, make inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 
2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 
3. Provide a full accounting : Every charge, payment, fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2018 about Debt collection (Medical debt) with Sa-Vit Enterprises, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Two months ago I called the Savit Collection Agency asking for my husband account because he has a debt for {$2700.00} with this agency, this is a medical bill. I was calling to see if there was a way to pay less this debt. First of all a lady asked for my name and the relationship with this person. I told them my name and also that I was his wife. So after a month I was checking my credit report and I found out that my husband 's debt also appears in my credit report. I called them back and asked why they report his debt on my credit report. They said in New Jersey is legal to put a debt on both spouse, but my husband has this debt for almost two years ago and never appeared on my credit report, this happened after I made the call and they asked for my name and relationship. Now my credit score went down a lot because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage for refinancing of my home was conducted without involving an Attorney. If a real estate attorney had been used the bank would have discovered that there was an existing mortgage on the same property. As a result of not obtaining an attorney the loan was not paid off. The first mortgage holder is in the process of filing a fore closure. I have attempted to do everything possible to prevent this from happening.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Do n't know who  XXXX , or GreenLight Financial is, nor have I authorized, or signed ANY application for ANY credit inquiry for  XXXX , or Greenlight Financial on behalf of Nationstar Mortgage!!! I have been in receipt of credit inquiries for the dates of  X/X/2017   ,  X/XX/2017   , and  X/XX/2017    via credit alert coverage that I have through  XXXX / XXXX . I have had my identity compromised, and have filed a Identity Theft report  ( at tached ) with my local police.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: CRA locked me out from accessing my free online report to dispute, unless I provide with a government ID with Photo, specifically a Drivers license and Electric Bill that does not appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed to Equifax Dispute # XXXX with a letter from XXXX Bank saying to remove the XXXX hard pull credit inquiries on my credit report. 
Equifax responded and said it was factual after I have sent copy to them of a letter from XXXX bank saying that it will be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I sought a loan modification with Citimortgage on a Home equity loan. My loan payment was increasing from {$2000.00} a moth to {$6000.00} per month. I called Citimortgage XXXX times and was told each time that I needed to be delinquent ( miss a payment ) before they could start the process. I missed a payment and called them the very next day to start the process. The process went on for XXXX days. I faxed XXXX packets of information and overnighted XXXX package. In the end, my request was denied because I had " too high a loan balance ''. My loan balance was known at the beginning of the process. My credit score went from approx. XXXX down to approx. XXXX. When I was denied, I am immediately made the payments and remain current on the loan. The original late fees they assessed were {$1100.00}. Citi wrote off {$300.00} of those fees. I asked them to waive the remaining balance of {$810.00} which they declined to do. When I was denied a modification and told that my loan balance was too high, I was also asked how my modification was going on my first. I told him I was not seeking a modification of my XXXX. He then went on to say that I should pursue that because there were more potential options and that the XXXX could be taken into consideration. That was nice to know but telling me after XXXX days and denying my request was way too late to make that suggestion. I am requesting/demanding that CitiMortgage write off the {$810.00} remaining balance of late charges. Their process was very misleading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2018 about Debt collection (Other debt) with Lockhart, Morris & Montgomery Inc. (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/18, I was getting preapproved for a home loan. The loan officer called me back and told me I was denied for low credit score and that there was a debt collector that had sent me to collections in the amount of over {$6000.00}! I told her I had no knowledge of it and I will try and straighten it out. I filed a dispute with the credit bureau and told them that I didn't have any knowledge of the account. They're investigation turned out in favor of the company Lockhart Morris and Montgomery, with them telling the credit bureau the account belonged to me. I then wrote the company on XX/XX/18 disputing the account and asked them to verify it and send me any paperwork that I had signed with them, Lockhart Morris and montgomery and they sent paperwork to me from XXXX XXXX. They still didn't tell me who they were. So I rewrote them again disputing the account and asked them to send me paperwork from them showing I signed anything with them. This time I decided to call and spoke with XXXX XXXX on XX/XX/18, and I asked him when did they send me a letter or had their first communication with me since I am the cosigner on this loan. It took him several minutes and when he returned back to the phone he told me that from what he could tell, they never sent me a letter not have they communicated this debt to me. So I sent them another letter dated XX/XX/18 where I told me they had violated the FDCPA guidelines and they sent me another letter that I received on XX/XX/18 and they responded back saying they were not going to investigate it and that the letter was similar in nature to the other letter. This is a false claim because the other letter was dealing with me disputing the letter and calling it fraud because I had no knowledge of it and the latter dealt with the FDCPA violation ; two separate letter two different reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: shopping around to buy newer car XX/XX/XXXX and XX/XX/XXXX and brought one. shopping around in XX/XX/XXXXand XX/XX/XXXXfor a newer car for my daughter and co-signed for one. .every time credit was credit for better rates i got one hard hit inquiry so i have around 20 hard hit inquiry on my credit report. according to cfpb for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as one inquiry. your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry,

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: This is the second time that I have had to contact the Consumer Financial Protection Bureau over this issue. Here is my story : Transunion had a computer breach that violated consumers under Section  611 of the FCRA. I have been gravely affected. My credit score i s being affected in an extremely negative way as a result. This computer glitch caused all of my inquiries to be deleted. As a result, my  credit score increased. The next week, without notification, Transunion reinserted all of these inquiries, in dire ct violation of Section 611 of the FCRA. I spoke with several different reps. Each rep acknowledged the security breaches which occurred in both  XXXX  and  XXXX , but refused to correct Transunion 's violation of my rights.   I contacted the  Consumer Financial Protection Board , and as a result, Transunion deleted some of the inquires, but not all. My rights are still being violated. I am turning to you once again, in an effort to correct this egregious situation. I am requesting that the below listed inquiries, which were included in my original complaint, be deleted from my credit report.  <P/>  XXXX -  XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX   XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  -  XX/XX/XXXX   XXXX  - XX/XX/XXXX ,   XX/XX/XXXX   XXXX - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX    XXXX  via  XXXX   XXXX   XXXX   XX/XX/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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX+ Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have tried multiple times to work out a satisfactory arrangement for payments with Navient to prevent XXXX of my student loans from going in to collections. When I first took out these loans myself, I was not adequately informed nor understood all the terms, except the XXXX XXXX telling me to sign so I could start school. 

No matter how many options or managers or customer service staff I have talked to from Navient, they were not able to get me in to a program or lower my payment so I could afford it after a drop in income, they even went as far as telling me to borrow money from friends, or even more money from my parents to pay them. Even suggesting I use credit cards for the payments, which would only serve to push me further In to debt and make it harder for me to overcome it, going further in to debt to pay a debt is not a sensible or acceptable answer to a customer, or for a creditor to even suggest. 

I now have XXXX loan in default/charge off and another heading there, Navient has been completely unhelpful, has refused to work with me to a satisfactory conclusion for BOTH parties, not just them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: this credit card charged off in XX/XX/XXXX and is showing on my CBR that the balance is {$0.00} however, Bank of America Contacted me on XX/XX/XXXX via email. below the the mail they sent : Bank of America XXXX XXXX XXXX : This is a reminder that your account ending in XXXX with a balance of XXXX has been charged off because of missed payments. However, you 're still responsible for making payments on the outstanding balance until it 's paid in full. What you need to do Please call us at XXXX Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern to review payment options. We 'd be happy to assist you. If you do n't wish to discuss payment arrangements, please choose one of the following payment options : 1 payment of {$10000.00} 12 monthly payments plan ; First 11 payments of {$910.00}, 12th payment of {$920.00} 36 monthly payments plan ; First 35 payments of {$300.00}, 36th payment of {$310.00} 60 monthly payments plan ; First 59 payments of {$180.00}, 60th payment of {$180.00} Mail your payment ( s ) to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. Be sure to write your account number on the front of your check or money order. What you need to know The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. We will also not consider any payments you make under this offer as extending or restarting the time we have to file a lawsuit. Questions? We appreciate the opportunity to work with you to help you resolve this debt. If you have questions, please call us at XXXX, Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern. Visit us online This is an attempt to collect a debt and any information obtained will be used for that purpose. This account is issued and administered by Bank of America, N.A. Correspondence may be mailed to Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Payments can be mailed to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Read our Privacy Notice : XXXX Please do n't reply directly to this automatically generated email message. Bank of America XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, N.A. Member FDIC. Equal Housing Lender : XXXXXX/XX/XXXX Bank of America Corporation. All rights reserved. This email was sent to : XXXXXXXXXXXX This is time barred debit and per FCR Bank of America sold the loan to a 3rd party and that party has removed the balance off my CBR - They should not attempt to collect.

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 09/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I recently read about the deceptive tactics of Wells Fargo Bank. I currently have a checking account and savings account with Wells Fargo. I have had both accounts for many years. I previously began receiving a lot of insufficient funds and bounced check notices from Wells Fargo. I could n't understand how my account could be overdrawn when there was always money in my accounts. Please investigate this as I believe that I am a victim of Wells Fargo 's predatory bank practices. I am XXXX years old so I am sure that they have taken advantage of me due to my age.

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 06-12-2015 about Debt collection (Credit card) with URS Holding, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, today, XXXX XXXX, 2015, I received an harassing collection letter via US mail from a agency called J.C Christensen & Assoc., Inc. concerning a judgment or debt I, XXXX XXXX XXXX am not a party to. I did send via certified mail a debt dispute letter to cease collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian refuses to properly report student loans with XXXX and XXXX as being paid in full, closed, in good standing, with zero balance. These loans have been discharged by the XXXX and XXXX, and I have communicated this information to Experian and provided documentary proof. Yet Experian continues to fail to properly report these loans. I am once again attaching proof.

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 05/26/2015 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (FL).
Issue: Settlement process and costs

Complaint: I started a request of a loan at end of XXXX 2015. A broker give a rate lock and loan approval, with a XXXX on XXXX XXXX. For external reason not related to me ( was a judge involved as a XXXX was one of the owners ), the closing took more time than expected in the rate lock. I consult my broker and he told me will be no problem to extend the loan with the same rate. On XX/XX/XXXX was the closing and the broker send me a new XXXX ( same day as the closing ), and I found that he remove some discount points ( {$1500.00} ). On the conversations I have with the broker and he never told me or provide ducumentation about the rate extension cost, I also asked him may times if will be a problem and he never communicate the difference of the cost. The relation with the broker felt apart and I have to communicate with the loan company and they investigate. They consult with the broker and the broker told them that he give me the information. I request documentation to validate this, and they never provide it. Please help to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have been trying to get a loan modification from Select Portfolio Servicing for 4 years. At one point, they did send me a letter stating they had all the documents but then ended up starting another application. My financial hardship began with the loss of my job, terminal illness of my husband and just got worse. I stayed in contact the whole time with SPS and it was always the same response - they did n't receive all of the documents. At one point my application got caught up because they insisted I send in a copy of my cashed XXXX check. This would have to be obtained from the US Treasury and is impossible to get. They have ignored my requests and I submitted a loan modification offer. After submitting this offer, I was confused as to which modification application we 'd be working off of and knew they could not proceed with both as it would be dual tracking. Due to this and the XXXX this has all caused me, I was working on the documents needed. In the meantime, the foreclosure was not cancelled - again, dual tracking. With the foreclosure scheduled, SPS had no intention of ever giving me any type of modification and is now trying to foreclose illegally.

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