milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have attempted to dispute inaccurate information on my Experian credit report. Experian refuses to investigate as per my right under the FCRA. The accounts I am requesting investigation on are no longer valid or have not been updated for over two years. Additionally, XXXX of the accounts I attempted to have investigated does not belong to me and belongs to a person I was married to. That account has also been litigated and the person I was married to has a judgment placed against them for that account. Experian states that they are not responsible to investigate these accounts because they were investigated in the past. These same accounts were investigated by XXXX XXXX and Equifax and were all removed from my credit file. Experian is refusing to do its job and that is a violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Trouble during payment process

Complaint: The problem is : I am trying to get Chase mortgage company to update their system. I filed for bankruptcy in 2011 and Chase never re affirm the loan. I reopen the bankruptcy case this year for the sole purpose of reaffirming the loan. After months of calling, writing and filing court extensions the reaffirmation was finally done. I want to sale my home, but every time I call to get a payoff they inform me that it will tak e 7 to  10 days because I am still under bankruptcy. I explained to them that my bankruptcy case is closed and that I have a copy from the count showing this. They stated that it will take up to 4 months to update their system. I have inform them that I do n't have 4 months because the underwriter will be calling them next week to get my payoff. I need my bankruptcy case closed in their system as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XXXX XXXX, XXXX, I used a promotional balance check from Capital One credit card company. I had a note on my calendar that the promotional due date expired on XXXX XXXX, XXXX. So, in order to avoid any interest charges, I was preparing my finances to pay the balance in full. I logged on to my account in order to verify my information and discovered that i could not locate ANYWHERE on the website the terms of the promotional agreement. It is also nowhere on my statements. I called and spoke with XXXX representatives, an initial customer service rep and then a supervisor, and was told that that information is not available anywhere on the website or my statements and that they could only verify the terms verbally. I requested an email or some sort of written documentation and was told that they were unable to provide that to me. My concern is that they have the promotional end date as XXXX XXXX, XXXX, which is 6 months later than what I have. I would like the full benefits of my original agreement, but as I am sure you understand, I am not comfortable taking their word for it. I have made notes as to names, dates, and time. My request for help is that I receive some written documentation of the agreement. My question is, How is what they are doing even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (OH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I established a lease with XXXX XXXX. We wanted to set up ACH debit of the monthly lease payment. After a month and a half we got a collection call. I allowed them to take a payment over the phone for a fee. They promised to send out the paperwork to establish ACH, but it never arrived. Next month, same issue. This time the rep offered to call back in a couple days to set up ACH. No call. The process went on and on. I've tried multiple times to log into their online site, but it won't accept my credentials. I've never had this problem and I'm very familiar with how to use online banking and have several online sites I use regularly without problem. I'm currently sitting on hold for 21 minutes trying to speak to someone at their lease department. I'm very frustrated at their lack of help, but eagerness to charge me a fee to accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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: In  XXXX  of  2017 , I noticed that there was a tax lien showing on my credit report. I immediately contacted the state of South Carolina, who it was showing filed the lien. They filed an expungement with the court house and sent me the documentation stating that it had been expunged. I then filed with all   XXXX   credit bureaus to have this removed from my record. Equifax is the only company that refused to remove it from my record. After receiving information that they would not be removing it, due to their investigation, I called Equifax on  XXXX   XXXX ,  2017 . I was told over the phone, on a recorded phone call, that this would be completely removed from my record. However, over 30 days later, it had not been removed. I then made a second call to Equifax on  XXXX   XXXX ,  2017 . On this phone call, I was told that I should have never been told it would be removed. I even spoke to a manager. I was told to write a letter and submit my evidence again. On  XXXX   XXXX ,  2017 , I submitted a letter to Equifax, along with the expungement letter from the state of South Carolina. On  XXXX   XXXX ,  2017 , I received a letter from Equifax stating that they still would not remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: PLEASE BE ADVISED THAT DESPITE THE NUMEROUS TIMES THIS OFFICE ( XXXX. ) HAS FAXED THE ATTACHED RELEVANT AUTHORIZATIONS FROM THE BORROWER TO THE LENDER AND/OR LOAN SERVICER HEREIN ( I.E. OCWEN LOAN SERVICES ), THEY 'VE NEVER SEEM TO BE ABLE TO FIND OUR ENTITY AS BEING AUTHORIZED TO SPEAK TO THEM ON BEHALF OF THE BORROWER NOR WILL THEY PROVIDE US WITH THE CONTACT INFORMATION CONCERNING THE UNDERLYING LENDER AND/OR INVESTOR SO AS TO CIRCUMVENT THEM ALTOGETHER DUE TO THEIR UNCOOPERATIVE NATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a hard inquiry on my credit report that I have not asked for-XXXX made on XX/XX/2015. It does not belong to me. Please investigate asap. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XX/XX/XXXX I was contacted by XXXX XXXX to consolidate my school loans and lower my monthly payments. I agreed to the proposed consolidation, but it was noted that ONLY my loans, not my son 's XXXX XXXX loans, be included in the consolidation. I was told that for the next 10 years I would pay somewhere between $ 50-70 a month and at the end of the 10 year period ( or 120 ) payments, the balance would be forgiven. In XXXX, I received my first notification from FedLoan. I immediately contacted XXXX XXXX because the Parent Plus loans were included. FedLoan was contacted by XXXX XXXX and myself, but we were told that the loan consolidation was complete and there was nothing that could be done to reverse it. For the next few weeks, I was in contact with both XXXX XXXX and FedLoan in an attempt to fix this problem. Because of this mistake, I was also taken to court by my ex-husband - he was responsible for the ParentPlus loans per our divorce decree. I was told by XXXX XXXX to let the matter rest since my payments were at the amount that they had calculated - {$57.00}. I paid this amount for 12 months and received a notification from FedLoan to recerttify. Once I completed the recertificaiton process, I was informed that another mistake was made. I was NOT eligible for the repayment program and had to be put into another program. My payment was then calculated at about 5 times the previous amount - {$250.00}. Again, I contacted XXXX XXXX and FedLoan, but was not able to get any satisfaction. I was basically told, sorry we made a mistake, and nothing could be done. I contacted every agency to attempt to get some kind of assistance, I hired an attorney to file bankruptcy, and finally had to sell my home - the payments were increased to {$470.00} in XX/XX/XXXX. I have tried everything to get the matter resolved and feel that I have been grossly taken advantage of. Please note that XXXX XXXX has attempted to assist me with this matter and even provided monetary help to either take FedLoan to court ( no one would represent me ) or file bankruptcy. I would appreciate ANY feedback. After reading a number of articles, including the lawsuit against XXXX, I am not alone - but that does not help pay the bills! The sheer number of documentation I have is too great to include in this email, but I would be happy to send any/all via USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with CarMax, Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I went to Carmax XXXX XXXX XXXX, XXXX, IN XXXX on XXXX XXXX, 2014 to possibly trade in and purchase a car, I did not buy that day. I went back with a friend on XXXX XXXX, 2014 and decided to purchase. XXXX XXXX, 2014 I wet back and exchanged the car, already financed through XXXXSince then I have checked my credit and it was highly damaged from this purchase, Carmax went to XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX pulled my credit XXXX times on XXXX XXXX, 2014, XXXX times on XXXX XXXX, 2014 and XXXX more time on XXXX XXXX, 2014 when I exchanged the car. XXXX agreed to finance me right away and they only pulled my credit XXXX time. 
Not only is this unethical and seriously damaging my credit, XXXX XXXX refuses to remove all these " hard '' inquiries. These are all listed separately not as XXXX, because of this it is counting as XXXX hard inquiries, destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Incorrect/missing disclosures or info

Complaint: 1. Wester Union have money transfer program from a Bank account to Bank Account for no charge but it never works. 
2. Alternatively you will pay {$5.00} for money to be picked up at Western Union. Once I did that it put money on hold, and is asking for receiver scanned photo ID, which if I knew before committing to transaction would have canceled it. Now Western Union will not cancel the transaction without a written letter of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have summitted numerous request, police reports to let the 3 credit bureaus to remove inaccurate information that dont belong to me and they still appear in my credit report not funny. Dont know what else do I have to send to get this corrected my credit score is on the floor and I am not happy with that I have tried to fix this in all angle.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Debt collection (I do not know) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company " ERC '' leaves automated phone message that this an attempt to collect a debt. They do not ask for anyone by name, nor do they say to whom the " debt '' is supposedly owed. We are current with all bills, own our home, owe nothing to no one, and refuse to call the number and report our case number left on the message, so that we do not give them any encouragement. This annoyance call comes in on our home phone over and over, and we 'd like to stop this repetitive call for a bogus debt. Please tell them to stop calling our number. They call from XXXX. How can we block them from bothering us? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2018 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: Public record information inaccurate

Complaint: I arrived in America from the XXXX last year. In the XXXX my credit score with Experian is XXXX. Nearly perfect. Financial institutions here in the USA are asking Experian for my credit status and are receiving a poor report from Experian who are clearly not using the data from the XXXX that they furnish to companies there. 
This is discriminatory, unfair and unreasonable. 
I have tried to contact Experian online but their site is not allowing me to upload documents. Their telephone help lines keep you on hold then redirect you to an answering service that asks you to enter identifying data then tells you you will be contacted the next day. 
No provision is made for online chat or email communication.

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 03-01-2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: This is not directed specifically at Residential Credit Solutions ( RCS ), XXXX XXXX, Texas, rather the regulations as outlined in RESPA and the spirit behind the mortgage transfer rules. 

My loan has been transferred to XXXX. RCS sent a letter dated XX/XX/XXXX. The letter arrived at my residence on XX/XX/XXXX. The transfer to XXXX was effective on XX/XX/XXXX. The notification by RCS of my transfer arrived just 9 calendar days ( not work days ) before the transfer. 

In the response that I received from RCS, they claimed that the letter was mailed on XX/XX/XXXX and that they are not accountable for transit time via the U.S. Postal Service. 

Unfortunately, RCS sends their letters presorted, so there is no/no postmark that is recognizable to me. It is incredulous to think that a letter required XXXX calendar days to reach my home. By way of example, I received a letter from RCS on XX/XX/XXXX that was dated XX/XX/XXXX. That took only six ( 6 ) calendar days. 

The spirit behind RESPA is to ensure fair and reasonable treatment by mortgage servicing companies. Receipt of notification that my mortgage would transfer to another company XXXX calendar days before the transfer is unsatisfactory. 

As a consumer, a minimum notification of 30 calendar days in advance ( letter in hand ), seems reasonable and fair. If this requires a mortgage servicing company to send the letter 45 days in advance ( 15 days transit time ), then that should be the rule. 

By the way, this is the XXXX mortgage servicing company that I have had since the mortgage was originated in XX/XX/XXXX/XX/XX/XXXX. Hard to believe that In 3.5 years, I 've had XXXX different companies. It took months to resolve issues with RCS and I suspect the same with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Medical) with BCA Financial Services, Inc. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX XXXX, 2015, I received a collection letter from BCA Financial Services , Inc., XXXX, XXXX, demanding payment for a debt for their client, XXXX XXXX XXXX, XXXX XXXX, XXXX. I immediately responded to this collection agency in written form telling them that I have been disputing this matter with their client for almost a year, with valid medical reasons for said dispute, as well as instructing them to cease all further contact with me. On XXXX XXXX, I received a second letter from them again demanding payment for the same client. I have, for the second time, sent them a letter informing them that I will now report their agency to your agency and both state attorney generals ' offices in XXXX and XXXX. In this second letter I reminded them that they were previously instructed to cease any further communication, yet they chose to ignore my request. This is why I am filing this complaint against BCA Financial Services , Inc..

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX/XXXX/XXXX I submitted a request with Equifax.com to freeze my credit account. After submitting the pertinent information, I received a response " We 're sorry ... .we can not process your online request concerning an Equifax security freeze. To assist us in processing your request, please submit in writing the required items outlined below : Complete name, complete address, Social Security number and date of birth. '' to Equifax Information Services, XXXX XXXX XXXX, XXXX, GA XXXX. 

XXXX*I AM NOT GOING TO SUBMIT THIS PERSONAL INFORMATION VIA MAIL IN AN ENVELOPE ADDRESS TO EQUIFAX XXXX!!!!!! 

After calling the automated Equifax Automated Information Request Line at XXXX, prompt # 3 Security Freeze and providing my state, social security number and numeric portion of my current address as requested, I have learned that my Equifax credit account is in fact FROZEN. I never received a 10-digit Personal Identification Number ( PIN ) for future reference to temporarily or permanently unfreeze my account in the future because at the time of my on line application/request, I was informed that my online request to freeze my credit account was unable to be processed at the time. 

I 've tried several different avenues of communicating my concern and frustration attempting to get instruction on how to proceed with handling this matter, and most of all, how I can gain access to and recover my 10 digital personal identification number ( PIN ). I 've called 10+ automated phone numbers i.e. Equifax Freeze Response Hotlines,  FTC Consumer Response Hotlines, and Consumer Financial Protection Bureau to get assistance with no avail to finding a solution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (AP).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: I placed a Security Freeze on my Experian account on XX/XX/2017. I tried to lift the freeze, with my current and correct address and PIN for the freeze. The Experian system will not lift the freeze. I attempted to lift the security freeze through their seconday online system and was denied. The only option to lift the freeze is to mail my information to Experian. 

I am a US military member preparing to transfer from XXXX to California in the next week. I went on the Experian website and signed up for a free account, I was able to view my credit report. I was also able to see that I have a security freeze on my credit report. I am not able to find support for removing my security freeze other than mailing my information to Texas. 

When my family returns to the United States in the coming week we need to purchase cell phones and cars. I am afraid I will have to buy the cell phones because of the security freeze, I will not be able to use the cell phone company credit. I have searched the internet for phone numbers to call Experian, I can only find numbers for automated systems that do not help in my situation. I can not find a means to contact Experian other than by mail. 

I am frustrated with Experian and the non-availability to contact their organization.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I try to contact transunion, XXXX, and XXXX, about several inquiries in my credit reports that i did not do. I did not authorized companies to run my credit, I been a victim of identity theft for the past months. Someone had been trying open accounts under my name without success, this past months. And CREDIT BUREAUS had remove some inquiries. But since a couple days the same think started to happen all over and transunion and XXXX are ignoring my situation.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX, Tax Lien reflecting on my credit report with all three bureaus in error. This started back in XXXX 2017 when State sent a lien XXXX to create a judgement. I paid this account within 2 days of notice and the judgement had not even been processed. I have experience a tax lien on my previous home but it had a XXXX balance. I had to obtain tax lien release for my home that had already been paid in full. I am presently experiencing this being reported to credit bureaus which is incorrect. This should not have made it far as it did. Also I have a collection account {$190.00} for XXXX ( XXXX XXXX ) reported and I had never received a bill, email or phone call. I had paid it in full once I received notice that it was reported to the credit bureau. I have placed a dispute for this account. It appears this new law that was passed has made this situation worse with the credit reporting for me not better. I am now in the process of purchasing a home and this could possibly hinder me, but I am trusting XXXX for favor

Company response to consumer: Closed with explanation