milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Student loan (Federal student loan servicing) with ACS Education Services (AK).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a XXXX who has Perkins loans through ACS ( Account Campus Products and Services ). I have been eligible for and received a 20 % XXXX Cancellation of my Perkins Loans for the past two years. Most recently, I submitted my paperwork to receive 20 % Cancellation of my loan for the XX/XX/XXXX-XX/XX/XXXX school year. On XX/XX/XXXX, I received a letter saying that the dates of hire on my paperwork did not match ; therefore, my request could not be processed. After multiple attempts trying to contact the person whose name appeared on the letter ( XXXX, Customer Care Senior Assistant ) plus their main contact number ( XXXX ), For months now, I have been unable to contact them regarding this issue. I have called in the morning, afternoon, and late afternoon. I have called on different days of the week. Each and every time, I am put on hold for 30+ minutes and have never once successfully connected to a customer service representative. In addition, I am unable to access their website at www.acs-education.com. I always get a message saying that the page is not working or the server did not respond. As a result, I have absolutely no way to get in touch with anyone about repayment of my Perkins loan. 
At this point, due to this delay, I now have a bill coming due XX/XX/XXXX. Rather than delay further, I have decided to simply resubmit the paperwork. On their paperwork, it asks for a XXXX-digit account number. I have XXXX different account numbers from ACS : one that is XXXX digits, one that is XXXX digits, and another that is XXXX digits. I would like to clarify and determine which one to use. Yet again, their website is not working where I live in XXXX, and now when I call, I am receiving a message saying that " Due to circumstances beyond our control, we are unable to take your call. '' I have tried various other phone numbers and no one seems able to put me in contact with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with TD BANK US HOLDING COMPANY (WV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Nordstrom FSB has posted a delinquent charge on my credit report. In XXXX 2011, someone fraudulently opened a Nordstrom FSB credit card in my name and charged {$720.00}. I called Nordstrom FSB, sent them my actual information to show them my current address, phone number, the date I have lived at the current residence. They advised me they would cancel the account and close it as being fraudulent. They never closed the account and it is still listed as open on my credit report. I need them to close the account and list it as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I disputed a paid collection account with XXXX. The account was not in collections but it is still reporting as a collection account. It should be removed immediately. I have disputed this multiple times but have not received any results proving this was an actual collection account.

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 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquires were unauthorized. -XXXX XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY 3 times XXXX XXXX IS REPORTED AS A INQUIRY 3 TIMES XXXX XXXX XXXX XXXX XXXXS REPORTED AS A INQUIRY 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES XXXX 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 06/14/2016 about Debt collection (I do not know) with URS Holding, LLC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a letter from XXXX XXXX XXXX XXXX , XXXX dated XXXX/XXXX/16 attempting to collect a debt that is too old to be collected or be sued on.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear CFBD staff, After hearing about the recent Equifax breach, I decided to take advantage of the Equifax offer to provide free credit monitoring and a free credit report for one year under the Equifax Trusted ID program ( equifaxsecurity2017.com ). After enrolling for the program on XXXX-17, I received a message from Equifax that my personal information was affected by the breach. When I examined my credit report I noticed several hard inquiries that I did not authorize. I then contacted the companies listed under the fraudulent hard inquiries and was not able to resolve the issue. I then called equifax and spoke to a supervisor in the disputes department ( XXXX employee # XXXX ). XXXX informed me that there was absolutely nothing Equifax could do to resolve the issue. She informed me that Equifax has no power at all to remove inaccurate information in the inquiries section of my credit report, even if it is completely inaccurate or was initiated without my permission and even if I could not get relief from the company involved. This seems incredibly irresponsible and tone deaf to me especially in light of the recent breach at Equifax and especially considering that they confirmed my information was affected by the breach. Inquiries do affect my credit score and credit worthiness to potential creditors. 

The Hard Inquiries in question are : XXXX XXXX XXXX XXXX XXXX/XXXX When I reached out to the above companies, they told me that these were valid inquiries and could not be removed. I did not authorize nor do I know anything about these companies and I want these inquiries expunged from my report. 

I hope that this matter can be resolved now that I have contacted the CFPB. 

Thank you! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX AND XXXX ARE PARTNERS IN CRIME, PROOF HERE, THE ORIGINAL INSTRUMENT HAS VALUE SO WHERES THE DEBT?, WHERES THE ''BILL ''? HEY XXXX, WHY ARE YOU MAKING FALSE CLAIMS ON ME,? HI XXXX XXXX YOU CRIMINAL MISCREANT, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH XXXX THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX  XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? XXXX MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?

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 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid XXXX XXXX and XXXX XXXX to XXXX balance, and all credit reporting agencies are not reporting that I paid these accounts to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Medical debt) with Van Ru Credit Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Van Ru Credit Corporation has been continually attempting to collect a debt on behalf of a medical bill based on services that were not properly documented by a hospital outside of my primary provider 's network. This matter was resolved with the provider  (   XXXX   XXXX   XXXX   ),  and the external provider was notified of the proper documentation and billing procedures for these services. I have a recorded phone call conversation between myself, my primary provider  (   XXXX   XXXX   ) , and  XXXX , where all parties involved acknowledged next steps to take ( in the form of a resolution between  XXXX  and  XXXX  ).  XXXX  is required to submit new information, including documented medical codes ( this is at the root of the billing issue  ) so tha t the claim can be properly processed. I should no longer be involved in the claims process, other than to be alerted of a resolution. That conversation took place  XX/XX/XXXX . I have experienced continual harassment in the form of collection letters and phone calls since the time the services were rendered-that was in  XX/XX/XXXX . I have sent a number of letters to the parties attempting to collect debt, and have documentation verifying that these letters were received.

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 07-08-2017 about Payday loan, title loan, or personal loan (Pawn loan) with CASH AMERICA INTERNATIONAL, INC. (IN).
Issue: Charged fees or interest you didn't expect

Complaint: Obtained a loan of XXXX $ on two gold rings from XXXX in XXXX Indiana. This is my first pawn ever so I am not familiar with process. I had to pay off by XX/XX/XXXX a total of XXXX . I went to pay off on XX/XX/XXXX but was not aware that I had to pay finance charge of XXXX . I was short and made arraignments to pick up the next morning after I paid the XXXX $ for the interest that had occurred. The next morning they said I owed XXXX $ more dollars plus the XXXX . I paid on time and even the next day XX/XX/XXXX I was still on time but the would not except my XXXX $ and give me my rings. They said it was the way payment was loged in system and payment could not be voided because it happened the prior day. This is wrong, very very wrong. Now I have to pay a total of XXXX $ on a XXXX $ three month loan in which XXXX $ is interest for another 6 months that I did n't ask for or need plus financial charge. Wrong wrong wrong. The literally just robbed me in broad daylight and since the have my rings I am powerless to do anything but pay it. When I asked if the XXXX $ is all I will owe in 6 months they replied " ca n't promise you that no ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (HI).
Issue: Trouble during payment process

Complaint: Tried to do loan modification and Ocwen sends back last payments so it wo n't become valid. Both Ocwen and their attorney never returns phone calls so I could find out why checks were returned. Was told by XXXX XXXX XXXX to file a Chapter XXXX bankruptcy, followed all directions to stop sale and that failed. Per commissioner and judge, it was supposed to be filed in Federal Bankruptcy Court to be valid but THEIR clerk at the window at the district court said that was it. She hand wrote the number on the top of the page and said to make sure we sent it to the proper people and we sent it to XXXX XXXX XXXX and they sent it to Ocwen. The amounts of the balance of that mortgage do n't even seem right. We went to court on XXXX XXXX,2017 to fight the sale with the bankruptcy and the Judge said that the bankruptcy was n't in time and filed properly so the commission of sale was granted. We asked him how long we had to keep fighting g this and he said 60 days but no one wants to help us because of the way it 's noted on the credit report a d how far the foreclosure is but we have been trying to fight everything since we were made aware and still got no help!

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 03/22/2016 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Credit card protection / Debt protection

Complaint: I have a credit card with barclaycard us. I informed barclay of an unauthorized ( refund ) charge on my account by a merchant who send an email confirmation stating that this charge was refunded and should be refunded. I provided the refund confirmation email to barclay over a year ago to no avail. I have been back and forth with barclay for an entire year. The provided a provisional credit and then reverse the credit with no explanation. I last spoke with XXXX a customer representative of barclay on XXXX/XXXX/XXXX who confirmed that all the documents was received for the credit and she send an email to that department for processing. She informed me I will hear from barclay in 72 hours and no one contact me. I called again on XXXX/XXXX/XXXX and spoke with XXXX again and she again said someone will contact me when the charge is reverse. I did not receive any calls from anyone. I have received interest charges on this account for over a year and I am asking for the reversal of the charge and the all interest charges for this transaction over the entire year plus. 
The amount is {$210.00} and the company name is XXXX XXXX. XXXX has not respond and refuse to response since communication in 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 monetary relief
Consumer complaint received 11/24/2015 about Bank account or service (Checking account) with COMMERCE BANK (MO).
Issue: Problems caused by my funds being low

Complaint: I have a checking account through Commerce Bank. In XX/XX/XXXX, we had to make 2 house payments to prepare for a refinance. I knew there was a chance of an overdraft, but was hoping I would have deposits in time to cover it. I 'm self employed and usually can make deposits every MOnday and Friday. My husband has his paychecks come as direct deposits 2 Fridays a month. So, deposits are continually coming in. Unfortunately we overdrafted. However, I was stunned to find out making a deposit in the drive through XXXX XXXX, 2015 that they were going to start putting a 7 day business day hold on my deposits. This would effect EVERY check we had out as overdraft fees piled up. As of that day fees would total {$460.00}, butthey then returned checks on XXXX XXXX and incurred an extra {$36.00} then XXXX XXXX for {$36.00} and XXXX XXXX for {$36.00} and I 'm assuming today they will return the XXXX debit purchases which will cost me {$36.00} plus XXXX deducts an additional {$25.00}. This is effecting my families ability to purchase things for XXXX. It 's put our family under a HUGE financial strain. The local branch told me they could n't lift the hold so I wrote a letter to Corporate on XXXX XXXX, but got no response which is frustrating. I could understand the " hold '' if deposits we made bounced, but that has NEVER happened! I can NOT change banks because of direct deposits and the hassles of changing other bills. I currently ca n't pay my water, gas or electric bill nor buy food for XXXX. I 'm completely devastated because the money is THERE, but they wo n't allow us to use it. And I 'm frustrated because those checks have already cleared the accounts form the people who wrote them to us. So, Commerce has the money but wo n't let us use it and is acquiring MULTIPLE overdraft fees in the meantime. Plus, I now have to pay fees with companies like our XXXX XXXX car loan check that they returned XXXX XXXX. Money was there to cover it and they charged me overdraft fees TWICE on it and I 'll have a fee with XXXX XXXX as well as a late payment now documented on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Viking Client Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: rented a truck from budget, had a blowout, blamed me and billed me {$510.00}. bill was accidently paid twice a month apart. can not get a refund. some excuse that technical issues prevent them from issuing a refund. sent me to collections in the meantime. have sent all documentation to collections, they have resolved, but still can not get refund from budget.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Today, XXXX XXXX, 2016, I went online to order my quarterly credit report from XXXX and chose Experion since I had n't gotten XXXX from them in over a year. After verifying my identity on both XXXX and Experion 's site, I got the following error message : We are unable to process your request. Please call us at XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I did n't have any knowledge ( That i can recall ) that XXXX sent a debt to a collection agency. I currently have service with XXXX/XXXX and have had this service for over a year. I called the collection agency because they are reporting it as paid but it is still hurting my credit. They said that they cant remove it. I called XXXX and the first attempt they stated that they had no acknowledgement of it and I even spoke with some in their risk management dept. This was back in XXXX. They told me to call the collection agency to get it removed and they stated that they could n't. I told them that I never paid the Collection agency anything and that I restored my services with XXXX so everything was paid. So recently I tried again to contact XXXX to see if they can report or send notice to the collection agency to remove it since I currently have service with them and was n't aware of them sending something to the Collection agency. They escalated the ticket and I received a phone call stating that even thought I am a " valued customer '' and that it is paid that they wont send them a noticed since it was once put in a bad debt status.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information including my social security number, DOB, and address were stolen from Equifax ( www.equifaxsecurity2017.com ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX, Capital One Bank, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (I do not know) with First Choice Assets LLC. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: When the company called me, I stated that they had the wrong number, they were looking for a XXXX. Then he tried to confirm the address and again i stated that had the wrong number and he states that I am just asking a question. Asked for the company 's information and advised that i would be filing a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AK).
Issue: Credit decision / Underwriting

Complaint: During recession had to file bankruptcy on home loans with XXXX and XXXX. After year bankruptcy was discharged bank of America sent me paper work claiming they bought my mortgage loan. Due to their fraudulent claim aginst me and apperently others they were involved in a class action lawsuit, of which I received a settlement check. After currently checking my credit report, they still seem to be fraudulently claiming I had a home loan with them, which I never have or will. Wondering how they can lose lawsuit and still say something that 's not or ever was true.

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