milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I submitted all documentation to Experian in regards to these XXXX accounts, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX which included my police reports, ID, Social Security card, proof of residence and affidavit. These accounts should have been blocked and deleted from my file. They are still present.

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 01/20/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After disputing this multiple times with Equifax and filing XXXX previous complaints through CFPB equifax continues to report this account with inaccurate information. On XXXX/XXXX/2016 Equifax responded to the last CFPB complaint advising that they update the amount and closed the account. However Equifax left the remark of 60-90 days late. I received a message from the creditor ( XXXX XXXX ) on XXXX/XXXX/2016 advising that they called Equifax on XXXX/XXXX/2016 and gave them direction to update this account. However Equifax continues to report this account as they please. I am appalled at Equifax blatant and malicious behavior in managing this credit item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have two complaints. 
1. ) XX/XX/XXXX we were contacted by Navient about consolidating our loans. We were told at that time that they would use the lowest interest rate of the loans which was around 5.3 %. When the paperwork was complete they used the highest interest rate which was 7.75 %. When I called to complain they said " I 'm sorry that the person told you that but this is what it is and nothing can be done '' :!! 
2. ) XX/XX/XXXX our checking account was compromised and we had to open a new one. I went online to Navient 3 weeks prior to the payment being due to change the bank account information. I noticed the payment did not come out on the first and called to inquire about it. The operator said that I must have changed the account too late in the month and the payment wont come out. I told him that I changed it 3 weeks prior to the payment date and he said he did n't know what happened but I could skip that month if I wanted to. I said I did NOT want to skip a payment. He said that he would put into the account to pay. He then turned around and skipped that months payment so for the next 5 months we paid nothing but interest on the loan with no principal. Our payments then went up by {$23.00} each month because we " skipped '' a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Medical debt) with Jvs group (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they have been calling me for over 6 months. they call me Monday through Friday and during the hours I am at work which are unfortunately the same ones they probably work. my name is not on my voicemail. they have been told to stop calling me. XXXX will all one day and act like my buddy via vm. she will then call me back and start being ugly and demand I call her back. Usually I am called minimum twice a day. today XX/XX/XXXX XXXX called me twice from XXXX XXXX XXXX. she called me at XXXX XXXX and XXXX XXXX and left me voicemails both times. this is common and harassing me and I wish for it to stop and have told them on a couple of occasions to cease and desist but they still keep calling. It needs to stop. Once a day is sufficient and when I am not working I will pick up the phone. Sometimes a third  call is placed from a blocked number.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Consumer Loan (Installment loan) with Merchants Acceptance Corp (OR).
Issue: Problems when you are unable to pay

Complaint: My husband and I filed Chapter XXXX Bankruptcy on XXXX/XXXX/16 which was discharged XXXX/XXXX/16. Merchants Acceptance was listed as a creditor, did not show to the XXXX hearing, did not contact our attorney during the bankruptcy stay, and after discharge called me and left a recorded voicemail stating that they would only update the credit report once we paid back the loan, or gave them their vacuum back. The company is acting illegally by, violating the bankruptcy stay, bankruptcy Discharge Injunction, and the FCRA by not updating our credit report. The company is in clear violations of the law. The account was discharged in bankruptcy in which I am no longer liable to repay the debt, yet the company fails to CORRECTLY report the account on our credit. As of XXXX/XXXX/16 the account shows delinquent, has a balance, and not included in our Chapter XXXX bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted XXXX on multiple occasions to resolve this issue that they sold an account with my name and social to a debt recovery agency and the account was never mines to begin with. I have had XXXX service for the last six years. My identity was stolen some years ago and multiple accounts were opened under my name i.e. Credit cards and and phone services. All the companies resolved the issues by removing the accounts and erasing the fraudulent accounts. XXXX however continues to tell me this debt is mine and wo n't remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Checking account) with POPULAR BANK (NJ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Completed online application on XX/XX/17 for a checking account at XXXX XXXX XXXX. The nearest branch is over 30 miles away therefor I opted for the online application which I was eligible for since I am a NJ resident. After submitting all the detailed information, I received a message that I must apply in the branch.

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 10/31/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (FL).
Issue: Deposits and withdrawals

Complaint: I 've been a cardholder since 2008 I have XXXX rushcards for different financial reasons due to past history of Identity theft. But now when it comes to me trying to use my card it has been and still is the worst nightmare ever. I normally have {$50.00} come or of my acct to put in my XXXX savings acct just to feel like I 'm apart of a bank, because rushcard is not accepted at most places ( prepaid ) and to now have to rely on this money to halfway get me by. I 've never experienced this yet with my card. I 've called numerous of occasions no response or i get placed on hold unknowingly if i do FINALLY get connected, or maybe even HUNGUP on after holding on for hours. Im still checking my mobile app and it 's still not allowing me to login, checking my online acct it may show that I 'm locked out invalid credentials ( user id/password ) or finally after answering numerous questions then it shows {$2.00} WTH.. I feel shameful to have to go to my mother for help with a XXXX old son who needs essential things that I ca n't afford right now or even borrow money from a payday loan to only not even be for sure if I would have the money to pay them back when it comes which is scheduled very soon. All these services fees are ridiculous, making XXXX be a fee free month is a SLAP IN THE FACE. Something needs to be done ASAP, this is unacceptable ... DO SOMETHING OR IM LEAVING RUSHCARD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2016 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Closing/Cancelling account

Complaint: My Barclays XXXX account was closed. I was notified via a letter dated XXXX/XXXX/2016. The letter referenced the reason was " history of account usage. '' I did not, to the best of my knowledge, violate any published terms and conditions, and my account was always paid in full. While I understand Barclays may close accounts if it sees fit, I lost earned award points. In contacts with Barclays they have been unwilling to credit my account with the rewards.

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 08/18/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: These loans were taken out under coercion from my ex-husband. The only way to keep peace was to take out these loans. I was against taking these loans out. This is a case of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: My mortgage with OCWEN Loan Servicing, LLC was paid off XX/XX/XXXX. OCWEN claims a check for the escrow balance was mailed to my home address on XX/XX/XXXX. As of XX/XX/XXXX, I have not received the check. I have called the OCWEN customer service number several times, and all they tell me is the check was mailed XX/XX/XXXX. I 'm attaching a letter from OCWEN that documents that claim. I have always received monthly OCWEN mortgage statements sent to my home address, and yet my escrow balance check has not arrived after 21 calendar days. I live in the same state ( Florida ) as the OCWEN headquarters, so 21 days is more than enough time for the check to arrive through the postal system. I suspect that even though OCWEN 's financial system may indicate the check was mailed, it never was. Had the check actually been mailed, I 'm confident I would have received it. <P/>I understand CFPB has filed suit against OCWEN. Please feel free to contact me as I would be happy to relate the other problems I 've had with OCWEN.

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 02-02-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: SLS Mortgage Company has issued an incorrect XXXX the interest stated is 50 % less than what was payed.

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 03/30/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: XXXX XXXX submitted hard inquires to all credit Bureaus on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These were submitted to both Experian and XXXX Credit Bureau for the dates mentioned above.

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 05/17/2016 about Debt collection (Mortgage) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an account with XXXX XXXX. Went to collections. Midland Credit Management is the collection agency. I paid them in full on XXXX XXXX, XXXX in the amount of {$580.00}. I have sent several dispute letters to the credit agencies because Midland is reporting inaccurately on my credit reports. It says that I failed to pay in XXXX of XXXX and XXXX of XXXX even though it says paid in full with a XXXX balance on the reports. They have tried fixing it but with no positive outcomes. They keep sending letters back that the information is verified. The only other outcome I desire is a removal of MCM off my reports. I have no other obligations with MCM. I am trying to get a mortgage in the next month or 2 so I can provide shelter for my wife and a XXXX we are expecting. XXXX XXXX removed themselves off my credit report for the said paid debt. I do not have time to go back and forth trying to correct a problem I have been trying to fix for the past 6 months. Its getting old and frustrating. When I call, no one can help me. I do not have the money to hire a lawyer and go into litigation with MCM. Its such a simple fix and everything can be resolved and I can go on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Received emails and I asked them to send me something in the mail and they kept on emailing as if they wanted to annoy, then started calling and I asked them again! Then they waited a week and the calls started again! It was for a XXXX XXXX account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Citi Bank charged me a {$25.00} maintenance fee when they switched to XXXX XXXX XXXX when it was previously free due to having my mortgage with them. When I called Citi Bank to dispute the charge they told me that there was NOTHING that they could do to help me because that was a XXXX XXXX XXXX charge. But, Citi was still the name posted on the bank. Citi told me I would have to now speak to XXXX XXXX XXXX to get them to credit the fee. I then contacted XXXX XXXX XXXX and they said that it was actually a Citi charge and they could NOT help me. When I called Citi back they said they would like to help me but because they no longer have a bank in Texas they could n't help me at this time. I told them that I called them while they they were still here and I had an account with them. Why did they send me on a wild goose chase just to get out of taking my money. I do n't want their money I JUST want MY money back! They deducted the {$25.00} from my account. This is highway robbery and totally unfair! My name is XXXX XXXX and my account number was XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax has not removed this account from my Credit file

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On all the 3 credit bureau reports I can find unrecognized hard inquiries, accounts, and addresses. All the below mentioned accounts does n't belongs to me, either it 's an identity mismatch or a fraud. I have dealt with the bureaus many times but still no conclusion and every now and then I can find a new entry on the report without my consent. All this is impacting my credit score and making me worried about something suspicious. 

Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, there are many hard inquiries which do n't belong to me. I need your urgent help, as I am dragging this issue from last 8-9 months and still the bureau investigation is not of good use to me.

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 10/20/2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX broken apartment Lease agreements ( not mine ) from my ex husband being reported on my credit I have sent XXXX letters asking them to be removed ( first XXXX in XXXX 2015 then every 45 days following ) and sent attached copies of my divorce etc ... They refuse to investigate or contact the leasing company to verify this info so I am at a loss of where to turn ... .The leasing co are XXXX XXXX XXXX and XXXX in XXXX XXXX Texas

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: Transunion & XXXX would not remove these accounts from my credit after doing the online dispute and writing in my dispute. XXXX has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, Transunion, and XXXX would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXAuto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Transunion customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : 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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I applied for a mortgage and the credit check was done by a company called XXXX. Transunion showed I had 4 accounts in Dispute. So the mortgage company called me and I called Transunion that day. The man I spoke with said he could see the errors and would remove them immediately. I advised the mortgage company and they checked again and the problem was still there. They checked again today which gave me XXXX hard inquiries instead of XXXX. I called Transunion today and asked that they only show because it was their error. The refused saying these would stay for 2 years. I want only XXXX inquiry to show as it will affect my credit for two years.

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 05/17/2016 about Credit card () with JPMORGAN CHASE & CO. (ID).
Issue: Advertising and marketing

Complaint: I was solicited by Chase to apply for for their new Slate card that offers very good terms o balance sheet. I read the reviews and it appeared to be a very solid card. I even scanned the terms and conditions. I applied for the card only to realize that they will not transfer balances on other Chase accounts or cards. This should be made very clear up front. I immediately closed the account and have tarnished my credit score because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Account listed was a fraudulent account opened in my name by my ex husband. I paid the account in an attempt to remove it because I thought it would be the quickest way to resolve the matter. Since that time I have repeatedly asked them to remove the information and they continue to deem my communication letters to them as frivolous.

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