milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: When my loan changed servicers ( from XXXX to Nelnet ) the payment amount increased. I believe this is an error because I 'm on a fixed payment plan, am neither ahead nor behind on payments, and since the terms of the loan are the same the payment should be the same. I have asked Nelnet repeatedly ( via phone calls, emails and live chats ) to explain the increase and they do not. The only explanation their customer services reps give is that XXXX must have undercharged me. When I ask for them to show me their calculations that led them to determine that XXXX did n't charge enough, they tell me that this is n't possible. Either XXXX undercharged me, in which case it should be possible to show this, or Nelnet is overcharging me. Either way, Nelnet is n't providing any of the needed information in order to determine which is correct and is debiting my account more than XXXX for the same loan with the same terms. Furthermore, I 've asked multiple times for a complete transaction history of my loan and they have ignored all but one request and the the only history they did send was missing years worth of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: On or about XX/XX/XXXX I was informed of negative information reported by the XXXX Federal Court-XXXX in  my file that Equifax XXXX XXXX Maintain. Upon receiving this information, I immediately sent a letter to Equifax challenging the accuracy, compliance and reportability of the listing. Equifax XXXX XXXX never responded to nor sent any documentation associated with this account, bearing my signature. Therefore I sent another letter on XX/XX/XXXX as a follow up to my original letter dated XX/XX/XXXX regarding the entry being reported under XXXX Federal Court- XXXX XXXX In this letter I stated that they were in violation of federal law by not replying to the first letter in a timely matter and that they also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. In response to the follow up letter, Equifax sent results of the dispute after not responding to the very first letter. The problem I have with this, is the agency they have listed as being the agency the information was verified through, is XXXX XXXX XXXX XXXX. In the month of XX/XX/XXXX, I had my files frozen and suppressed by XXXX XXXX per my request and received confirmation in the mail on XX/XX/XXXX of doing so. Upon receiving the results from Equifax XXXX XXXX, I was puzzled on how they obtain information on frozen and suppressed files, so I telephoned XXXX XXXX XXXX and was told, no agency called to request information on my files and that my files were frozen and suppressed.I have a serious problem with companies that blatantly lie and blow me off, because they can not prove accuracy. This is the reason why I am filing the complaint. I have included attachments as proof. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Since incurring my student loans - I have been called, harassed, and disrespected every time I had an interaction with anyone from Navient with the exception of the la st 3 or 4 phone calls. After exiting college ; I knew nothing about how to pay back student loans or what my options were. When I called Navient they told me that if I could n't afford to pay the loans I could easily put them into forbearance. They made it sound like this wa s my only option. After I did it the first time, they would just text or email me and tell me to reply " YES '' to keep my loans in forbearance, so that is exactly what I did ; what I thought I had to do. I could not afford the payment they wanted from me, and I was worried about what my loan status was going to do to my credit. I did n't know that during forbearance my already high interest rate was going to continue to accrue at a rate so fast that by the time I realized what was going on I owed almost as much in interest as I did in original principal. In    XXXX   XXXX   XXXX      I attempted to work with  Navient  to pay off my loan in one lump sum. I offered to pay them {$21000.00} if they would " forgive '' the remaining  XXXX   XXXX  dollars I owed them ( which would be a very small portion of the exorbitant interest I had accrued ) but they refused to work with me at all stating that they were not allowed to negotiate any deals. Had I not been steered wrong from the beginning, my credit report and I would both be in much better shape than we are today. In  XXXX    XXXX   I finally applied for a different repayment plan and I 'm still waiting to see if I have been approved. I truly believe  Navient  is a scam of a company and only out to benefit themselves and turn the largest profit possible at the cost of the student borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I never lived at XXXX wi XXXX address id number XXXX geographical code XXXX. Experian keeps says creditors report that I did. I ask them to remove it and they dont. They also have XXXX different names on my report which they wont remove. I am XXXX XXXX XXXX not the other XXXX they have on the report. I am a consumer statement of this and they remove it. I also dispute the accounts that are listed as negative detriments and they say they are valid. All of them were included in a Bankrupcty over three years ago. They refuse to remove 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 non-monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Since XXXX I have been requesting the removal of a fraudulent address from my credit report and any accounts associated with the fraudulent address. With my most recent dispute, XX/XX/XXXX, I included a copy of my drivers license, ss card, letter from bank, utility bill and police report. Today I received letter from Experian dated XX/XX/XXXX, stating that they needed additional information which according to the letter, I included all of the requested information with my dispute. XX/XX/XXXX I contacted Experian via phone and spoke with XXXX from the fraud department and he informed me that they would not remove the fraudulent address because it is associated with an open account which i have also been disputing to no avail. They have also placed a statement on my credit report saying that I requested they put a fraud alert on my account which I did not. I am requesting the removal of the fraudulent address and any accounts associated with it. I am attaching the letter I sent to Experian as well as the police report and letter from bank. I will not attached my drivers license, ss card or utility bill.

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 07/13/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I WAS SUED AND THE LAWFIRM SERVED A XXXX. WITHOUT KNOWING MY RIGHTS, I OFFERED TO MAKE MONTHLY PAYMENTS ON WHAT I BELIEVED I OWED. SINCE THEN, THE LAW FIRM CAN NOT PROVE WHAT I OWE AND WHAT MY ACTUAL BALANCE IS. EACH BALANCE THEY ATTEMPT TO GIVE IS SUBSTANTIALLY DIFFERENT INCLUDING THE BALANCE THEY SUBMITTED ON A BANK LEVY. I BELIEVE I MAY HAVE MORE THAN REPAID WHAT I OWE BUT XXXX XXXX XXXX INSIST THAT JUDGEMENT INTEREST IS THE REASON MY BALANCE KEEPS DOUBLING. THERE IS NEVER A CONSISTENT RENDITION OF WHAT I OWE NOR HAVE I BEEN PROVIDED A LEGITIMATE ACCOUNTING DESPITE MY REQUESTS FOR SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to view my free annual credit report yesterday XXXX XXXX, 2016 and was able to obtain XXXX and XXXX, however TransUnion redirected me to a page that gave a " four zero four - page not found '' error, and my browser indicated there might be fraud alert. I tried this twice and got the same result. 

I submitted a contact form via the Annual Credit Report website, however there is no way to confirm resolution. I would like a copy of my free annual credit report from TransUnion as well as confirmation that there is no fraudulent activity on my report. 

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Transunion multiple times to file a dispute for multiple fraudulent inquiries on my credit report. I spoke to a supervisor in the special handling department who advised me to file a report because the inquiries keep coming back as verified. I did not authorize these inquiries nor do I have any knowledge of them. I filed a dispute with Transunion on XXXX for the following inquiries : XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, SXXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. All of these inquiries are considered fraudulent. I have filed a report with the federal trade commission to report myself as a victim of identity theft, I will attach that report as well. These amount of inquiries are holding me back from moving forward with my credit. I have already attempted contacting all of the creditors. XXXX XXXX took down my information and gave me several reference numbers and XXXX just informed me to contact Transunion. They all say theres nothing they can do, they state Transunion is the one who can make the deletion. Please remove these fraudulent inquiries off of my credit report.

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 06/18/2015 about Credit card () with U.S. BANCORP (DC).
Issue: Customer service / Customer relations

Complaint: Online Account Information with US Bank does NOT provide customer 's current interest rate information. This information is only offered on paper statements ( or PDF images of same ). 
If banks want to move to paperless systems the customer should be able to view ALL the data that is provided on paper statements and should not be required to make a special request for it to be mailed. It makes no sense. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several accounts listed with you that are fraudulent some of these companies such as pmab llc acct # XXXX have said they are removing these items as fraud as my idenity has been stolen but your credit reporting company has refused to remove it as such i have filed a fraud affidavit of identity theft and police report notarized the report also includes the email in which it was sent electronically with the named accounts that need to be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XX/XX/2018 Around XXXX XXXX I called Bank of America to redeem my XXXX cash rewards. My current statement balance is XXXX the representative told me I could redeem my cash rewards towards my balance. Then I requested to pay my remaining balance of XXXX dollars And some change ( the XXXX rewards money was XXXX and some change ) little I knew the representative told me no I still responsible for the minimum payment which is XXXX. I asked how I am responsible for XXXX when my balance after applying my cash rewards is only a little more than XXXX dollars ... he went on and on I requested a supervisor .... then The floor supervisor before he LAUGH AT ME told me the same thing. After feeling extremely disrespected I also found that their ads regarding " cash rewards usage " its HIGHLY MISLEADING ... .. Bank of America doesn't tell customers that you can not apply your cash rewards towards your balance .... they use it as a credit then in the next statement " '' they still owe you money " '' which appears as what they call a " credit '' .... thus it is misleading that they tell customers " '' YOU CAN USE YOUR CASH REWARDS HOWEVER YOU WANT " '' '' It is just wrong that I owe less than XXXX dollars and they make me pay XXXX to owe me money for next month.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquiries are not recognized and there are multiple of several or the time is up and they should be removed. At one time I had a fraud alert on my credit file in XX/XX/XXXX when some of these were done. XXXX XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 10/24/2015 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: Our VA mortgage is financed thru Freedom Mortgage, they called and said they wanted to reduce our mtg. by XXXX % - just because ... he said they would send electronic documents to sign. I told him I wanted full disclosure he said no problem. When I review the e-docs I did not like what they said, did not sign and sent an email we were not interested. I have sent XXXX emails telling them we are not interested. This morning I got email that said " congratulations on you loan application, now sign these additional docs ''. We never signed anything, electronic or otherwise. I have emailed them again and still they are saying we need to submit additional docs to " lock in our rate ''. We do not want this, they are our current VA Mortgage servicer, I am now afraid of them and do not trust them. What can I do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I requested a loan modification in XXXX due to financial constraints and have provided numerous documents to the 3rd party representative as requested. This company failed to make any determination about the modification request for greater than 12 months. I was offered as a deed in lieu option with a payout " cash for keys '' in XXXX XXXX. I completed the form and faxed to the mortgage company in early XXXX XXXX under the assumption if this was being offered to me it must be valid. Upon returning from viewing colleges with my son I received notice that my home was being foreclosed upon with a sale date of XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with E-Backgroundchecks.com, Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX HOSPITAL DOES NOT HAVE CONSUMER 's Consent to order report, and did not have it on X/XX/2016 when they requested report # XXXX. 

Consumer has never domiciled in XXXX, North Carolina. Consumer has never visited XXXX, North Carolina. Consumer has never been served with or seen any verifiable proof of claim in connection with criminal hit by North Carolina Statewide Records. Consumer declares that this is an inaccurate report. report id # XXXX and # XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Money transfer, virtual currency, or money service (Virtual currency) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Other transaction problem

Complaint: Bank of America had not sent my updated bank information to  XXXX  so that I could receive my funds

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 09/20/2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recieved and update on my credit report advising of a new collection in the amount of {$97.00} of which i do now have any outstanding debt of this amount. I do n't know if this company. However i have researched to find that they are known for fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (I do not know) with Halsted Financial Services, LLC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Halsted Financial contacted me trying to collect on a debt that I do not owe. I asked to be emailed the information concerning the debt on XXXX separate occasions I was told that the emails were sent. I checked regular and spam folders, no email explaining this unverified debt. I am being harassed by a pre recorded message telling me to contact their office immediately of be faced with legal action. I have asked not to be contacted as well as debt verification, neither has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicing company is Ocwen Loan Servicing. I was advised that my escrow account need to be built up. I mailed check on XXXX/XXXX/15. Although check was received into system on XXXX/XXXX/15 ( confirmed by customer service ), it still has not posted to my account, and Ocwen has adjusted my payment to reflect I did not make this payment. I have emailed them XXXX emails with complaint, written XXXX letters with same complaint and spoken to customer service with same complaint. All with no success. I plan to send in my regular payment and Ocwen will show it is a short payment. 
The customer support I am getting is at a XXXX level. I would be better off talking to a wall.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Credit decision / Underwriting

Complaint: Wells Fargo has either reported, or caused the report of, a code " D '' ( Default ) in the HUD CAIVRS ( Credit Alert Verification Reporting System ) against my social security number in relation to an FHA case that pertains to my ex-wife. I am in contract on a new home using a VA loan through XXXX and can not proceed with the loan ( current closing date of XXXX XXXX ) until this code is suppressed and converts to an " A '' ( Approved ).

Company public response: Company chooses not to provide a public response
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 EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$300.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments This account is not mine, it was removed from my report and then added again. As a result my credit keeps decreasing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2016 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am being contacted repeatedly, like every single day, by XXXX XXXX XXXX of NCB Management Services in XXXX. His phone number is XXXX Ext XXXX. They say they are trying to collect a debt from my son, XXXX XXXX. My son has a XXXX XXXX XXXX and I hold a power of attorney for him. I pay all of his bills and am unaware of any that are not paid. I have asked XXXX XXXX for this information, but he refuses. He insists that I send him the POA before he will even tell me what the debt is for. If my son owes money to anyone, I will pay it. But I have not received any bills for anything. I just keep getting these harrassing phone calls!

Company response to consumer: Closed with explanation