milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2017 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 status incorrect

Complaint: There are 8 inaccurate late payments being erroneously reported by XXXX from XX/XX/XXXX-XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through XXXX Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no avail. I submitted documentation two times to XXXX directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. XXXX has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with XXXX and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another Servicer in XX/XX/XXXX. So XXXX no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another XXXX supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>XXXX appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.

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 10/21/2016 about Debt collection (Medical) with SYNCHRONY FINANCIAL (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls me every day to explain how they can collect this debt. They have also contacted my family members to collect this debt.

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 12-12-2017 about Debt collection (Medical debt) with Unifin Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I was called from the number XXXX and the person I spoke to informed me they were calling regarding an unpaid hospital bill from 3yrs ago. I asked for more information and the collector started yelling at me asking if I was going to pay or not. I was simply trying to understand because this bill was supposed to be taken care of by workers comp and my insurance. So I was very confused. I had not been receiving any notices or bills in the mail regarding this debt. I asked to speak to someone else because he wasnt listening or offering any additional info or clarification about the debt. He then yelled at me I was just going to waste their time and he was noting in my account I was refusing to pay and hung up on me. I called back and spoke to a woman and told her what happened and she then hung up on me. I called back a 3rd time and spoke to a man named XXXX and he explained everything thoroughly and we were able to get to the bottom of it. He pulled the recording for his manager to hear and I hope that they will actually take action against that individual and it wasnt an act. I feel like it was a bait and switch / good cop / bad cop kind of situation & very manipulative. These should not be standard or normal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with ABR Recovery Services LLC. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received notification from ABR Recovery Services in   XXXX   2017. They stated that I owed them {$1300.00} for a debt owed to   XXXX   XXXX  .
<P/>
I immediately disputed this account on  XXXX   XXXX , 2017 through email. I stated the reason for the dispute is that this company was the 5th company trying to collect on this debt, in which I had already made a payment with another agency and had a future payment plan.
<P/>
I received notification that the email was delivered on   XXXX    XXXX , 2017, but ABR Recovery Services failed to respond to my dispute. At the time I had an agreement with   XXXX   XXXX   whom was working on behalf of   XXXX   XXXX  .
<P/>
I received a call from ABR Recovery Services on   XXXX    XXXX , 2017. They were continuing to try and collect on this debt. I stated to them that I disputed this in   XXXX   and had no response from them. They proceeded to pass me along to an " account manager. '' The man stated that he owned the debt and would delete the debt off my credit report and offered me a 20 percent discount. I stated I was making my final payment to   XXXX   XXXX  . I made the final payment to   XXXX   XXXX   and have settled the account.
<P/>
On   XXXX    XXXX , 2017 I received alerts from   XXXX   XXXX    indicating a new collection account. ABR Recovery reported this debt to   XXXX   XXXX   and  XXXX  credit agencies. I instantly disputed the disputed this with  XXXX  Bureaus.
<P/>
ABR Recovery continues to submit false information to the credit bureaus and this is affecting my credit and making it impossible to achieve good rates and difficulty obtaining loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I co-signed a one year apartment lease for my son for an apartment in XXXX XXXX, OK. The lease was from XXXX XXXX to XXXX XXXX. He renewed and signed a new lease that was not co-signed by me. He changed his mind about the renewal but was told it was too late. This resulted in him still moving out at the end of his XXXX lease which caused him to break the new lease. He is being charged {$860.00} for breaking the lease, clean up, etc. 

The account was turned over to collections and also named me as a responsible party. I spoke to the collection agency informing them that I did not sign a new lease and I was not responsible. They have continued to pursue collection activity and most recently reported this on my credit reports. I have contacted XXXX XXXX XXXX law firm who reviewed the documentation and sent the collection agency a letter on my behalf. The collection agency continues to insist that I owe the debt, which I do not and they have not produced a copy of a renewal lease signed by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with AFNI INC. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a copy of my credit report in XXXX XXXX. I disputed a debt collection which was originally XXXX I believe and is now with afini collections. I sent a certified letter to the collections agency asking for debt validation and they sent a bill statement as proof which wasnt proof because I never had a contract with XXXX. I sent another letter to afini again asking for proof because this IS NOT MY DEBT my calls and letters have been ignored

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Application, originator, mortgage broker

Complaint: When I purchased my condo in XX/XX/2007, Wells Fargo was the preferred lender the builder was using. I have attempted to refinance my loan and I keep getting told that Wells Fargo is unable to refinance my loan because various reasons. For example, XXXX not meeting certain reserves or guidelines, community lost it 's FHA ability. After speaking with other folks in the community who also financed with Wells Fargo, they were being told the same thing. However people are able to sell their property and other owners were able to refinance using other financial institutions. I believe Wells Fargo is being deceptive, discrimination. When I initially applied for the loan I was told take an ARM would be a better option for me because of the lower rate and my plans to sell within 5 years of purchase. When the housing market crashed I attempted to refinance and XXXX became available I was told I was not qualified to utilize the XXXX program. When the required changed for the XXXX ( Value. being under water, LTV ) I still was told I was not eligible

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 10/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Bankruptcy

Complaint: XXXX XXXX Capital one will not remove this account and it has been fully paid

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i have never been late as shown on transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I was placed in a loan modification program wit Mr. Cooper Mortgage because I had missed one payment. I had to make 3 payments in a row. That was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made XX/XX/XXXX and XX/XX/XXXX payments. When I attempted to make XX/XX/XXXX payment on the XX/XX/XXXX, I was not allowed to. When I called in at XXXX XXXX EST, I was told, via the automated phone service operator, the mortgage company was closed. I went on the website and sent an email stating that I was trying to make a payment and was not allowed to. I received a confirmation email stating that my email was received. I called back the next day and made the payment with a customer service representative. He stated that because I was in a modification program they route my phone calls to another department It was XX/XX/XXXX. I never received anything back from the company regarding my loan modification. It is now XX/XX/XXXX. I am attempting to make a payment and once again I m being  told they are closed. This time I emailed the CSR from prior and asked her to help me make my payments. She responded back that she would, but I never received any help. On the XX/XX/XXXX I get a letter stating I am 4 mortgage payments behind. I am only 1 payment behind, which I am attempting to pay now. I still can not get through on the phone. It still says they are closed and It is XXXX XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Application, originator, mortgage broker

Complaint: I have requested assistance about this in the past. But now things havechanged. My brother bought the house owned by my mother. It wasfinanced for fair market value, @ {$77000.00}, at a local bank. We put life and XXXXinsurance on it. Chase Bank came along, re-apprised the house internallyfor {$200000.00} dollars. This, based on my Inquiries with other banks andreal estate agents was totally incorrect. The result, he refinanced, lost theinsurance, became XXXX, paid XXXX in payments, is nowdeceased and the family will lose the house. If Chase had never overvalued the house back in @ 2005, my brother would have left things asthey were. The money he paid Chase could have gone toward betterhealth care for him.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have disputed the issue with the credit reporting company and received NO response other than we will send it out today. We paid a judgement off XX/XX/XXXX and have not been able to be released on the lien/credit report as no Satisfaction of Judgement has every been received by myself, my wife, representatives or the courthouse. Please see attached letter to them for information on steps we 've taken to take care of this. This has been an ongoing battle for close to five years, but more recently more aggressive in obtaining it due to escrow. XXXX XXXX was attorney for Midland/MCM ( Collector ) for XXXX the original debtor. 
MCM # XXXX ; XXXX # XXXX ; XXXX XXXX ; XXXX Superior Court Case # XXXX FYI : XXXX XXXX mishandled many clients XX/XX/XXXX according to many articles online.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Consumer Loan (Installment loan) with American First Finance, Inc. (WA).
Issue: Taking out the loan or lease

Complaint: When I obtained the loan I was told one monthly price in reality it was biweekly. I requested auto pay to be stopped they sent me an email saying it has been stopped but yet the company American First Finance kept billing me. in one day I had XXXX transactions that where not authorized each transaction was over {$75.00}. This company does whatever it wants and will not change unless someone stands up and says you must obey the laws that you are governed by.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: We are writing this in hopes you can help keep a family in their home. Please get Freedom Mortgage to properly review our loan for assistance options. The issue started in XXXX 2016. I had to leave work for almost half the year to recover from a XXXX that was necessary but we just couldnt have been prepared for. 

My family did what we could to make up the difference while I was recovering. I repeatedly tried working with the bank, explaining the situation, but it was a slow process and when I was finally able to get caught up, they told me it was too late. They demanded the full amount, and wouldnt take any more mortgage payments. The fees and these payments just kept to piling up.

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 11-04-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This is my second CFPB complaint for this same issue and after multiple complaints with the bank. For the second month in a row, after they had advised you all and me that the issue was resolved and I could pay money towards my principal, this has not been the case. My last two principal payments were applied against future interest payments. This then causes me to be on the phone with the bank for a long amount of time trying to get the payment reversed back to principal. Last month I lost money as they did not backdate the payment date so they kept some of the interest they charged me. This month, the representative advised that they would backdate the payment so I would receive the full benefit of my payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2017 about Student loan (Private student loan) with Social Finance, Inc. (CA).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: Systemic bait-and-switch operation with SoFi and offered interest rates. <P/>In XX/XX/XXXX, I applied for a refinance loan of {$26000.00} on the remainder of my Federal Student loan balance. In the application process I provided my requested information including my current annual income of {$120000.00}. They pre-approved me for a 5 year fixed loan for the amount requested at a rate of 3.99 %. I applied for the loan and provided requested pay stubs for income verification purposes. These paystubs from the end of XX/XX/XXXX showed year to date income of {$51000.00} which I used to calculate the annual income I submitted with my application of {$120000.00} scaled for 12 months. None of this income was bonus or commission type income and was all directly related to my profession and work as a XXXX XXXX. <P/>SoFi told me that they would not accept this income for verification purposes implying that a portion of my income would be treated like bonus or commission type income for which they ask 2 years of prior XXXX statements. Specifically, approximately {$40000.00} of my current annual income out of the {$120000.00} is regular XXXX reported taxable income ( not XXXX ) from picking up extra shifts at the XXXX ( not overtime and commonly referred to as " moonlighting '' in the XXXX XXXX ). I do n't believe a reasonable consumer would believe that this is bonus or commission type income, and there is no information available that would suggest this type of income would be treated differently for verification purposes in the application process ( SoFi does specifically mention bonus or commission type income on their website though ). <P/>SoFi then tells me that they would no longer be able to offer the rate of 3.99 %, but that the good news was that they were still able to conditionally approve me at a new 5 year fixed rate of 5.115 % ( 28 % higher than the 3.99 % rate they had pre-approved me at ). <P/>At that point I was thinking, oh well, SoFi as a private company can set whatever standards it wants for its lending as long as not discriminating or breaking other laws. But then I read other reports on the Consumer Financial Protection Bureau website and found that many others reported similar experiences of being pre-approved at one low rate, and then experiencing some type of difficulty in the application/verification process outside of what a normal/reasonable consumer would expect and then being told of the good news of being offered a higher interest rate than the one they were pre-approved at. This higher interest rate is offered after the consumer has provided their protected financial information and authorized a hard credit check ( which hurts their credit ) and SoFi can then share/sell/use this financial information in a proprietary way while not honoring their marketed or pre-approved rates in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: In XXXX i called trying to work something out on a charge-off account, the rep was very blunt to the point and no care with helping me. In XXXX, my mother called as a " co '' on the account, and they tried to get more money out of her through the negotiation process as seeming to be deceitful and ill- intentioned. I 've called a few times after, and when i address the issue, I 'm placed on a ridiculously long hold. Today i finally got a rep on the phone, and he was more interested in capitalizing on the situation of me wanting to resolve the debt with him, than getting me to a supervisor. It seems as if they are a collection agency chop-shop, instead of a professional collection office. I have a family member that actually worked at the company previous and told me that ALL representatives could have been a lot more reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My birth date is wrong on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with CITIBANK, N.A. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I faxed the following to Sears : XXXX, California XXXX Mailing Address : Removed URGET FAX TRNSMITTAL, XXXX Monday, XX/XX/XXXX RE : Update Credit/Remove Late Payments To whom it may concern, On XX/XX/XXXX I learned of Sears/CBNA late payment data on my credit report for XX/XX/XXXX, specifically the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

Per phone conversation on XX/XX/XXXX with Sears/CBNA Supervisor XXXX Team # XXXX the " Clerk '' at the retail location entered the wrong mailing/billing address, therefore I never received a bill. Seems the amount was approximately {$30.00} and " written off '', per XXXX. 

The partial account information I have is partial-XXXX, ending in XXXX. 

Please immediately Update My Credit/Remove Late Payments. We are in the process of a obtaining a Mortgage and this false derogatory information is affecting all my credit scores. 

Please confirm receipt of this FAX and provide your evidence of correction to all XXXX credit bureaus to the above address. CALL MY CELL ( ABOVE ) WITH ANY QUESTIONS. 


Sincerely, XXXX 31 Year Sears Customer After Sears confirmed by phone on several occasions the derog info should not appear, a Sears letter dated XX/XX/XXXX states, " Our records indicate that the information appearing on your credit report is correct. '' CFPB, It is not correct. 
Sincerely 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 01/29/2017 about Debt collection (I do not know) with Penn Credit Corporation (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I notified PENN Credit that the debt did not belong to me. I have asked them to stop calling several times. They call at all hours of the night including Sundays. Sometimes multiple time per day. Phone line they are calling is not 100 % mine to use and there also disturbing and harassing others in the house. Penn Credit CorpXXXX

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