milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 requested that Experian open an investigation a negative account listed on my credit report from XXXX XXXX in the Amount of {$1600.00} on XX/XX/XXXX. My request was that Experian provide me with validation of this account with the signed original contract in accordance to my right as the Fair Credit Reporting Act Section 609 1 ( A ) 1 states. Experian has failed to validate this account and provided me the reason that the item was updated and it meets the requirements of the Fair Credit Reporting Act. The report also suggested that I could directly reach out to XXXX XXXX, which is what I did on XX/XX/XXXX. 

Upon reaching out to XXXX XXXX, I have not recieved any correspondence about the account, I have not recieved an original signed contract from Experian or XXXX XXXX directly. The letter that I mailed to XXXX XXXX was recieved XX/XX/XXXX and signed by XXXX XXXX according to XXXX Tracking Number XXXX. However, I am being ignored and have not recieved any validation of the debt or any correspondence from XXXX XXXX. Experian continues to update my credit report stating that the Account has been verified by XXXX XXXX and they will not re-investigate this account as of XX/XX/XXXX. 

The reason for me submitting a complaint is that, I have no validation via a signed contract with XXXX XXXX stating that I owe {$1600.00} or proof that this debt is actually mine yet Experian continues to report this account as verified. This has now caused me damages because the lack of due diligence has prevented me from obtaining new credit and also prevented me from passing a financial evaluation for potential job opportunities.

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 09/30/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: repeated calls from Municipal Services Bureau in regard to a debt I do not owe. Spoke with representative and in no uncertain terms I told them to stop the harassment. Last call from XXXX XXXX. XXXX. Are the collection companies suppose to use due diligence in locating the debtor? And should they not research the location and mode of contact of the debtor if and when they are told to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I do not have any contract with this company. I have never received any notification regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Since XXXX 2016 when I was shocked to receive a collection notice for a telephone account fraudulently opened in my name, I have been trying to get XXXX to resolve the problem. I have submitted the requisite identification information and police report multiple times over these months, but have been unable to get any action from XXXX to remove the adverse information from my credit reports for this case of identity theft. The credit reporting agencies will not remove this adverse information ( the ONLY adverse information appearing ) until XXXX acknowledges the fact that the account is not mine.

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 03/24/2017 about Debt collection (Non-federal student loan) with SLM CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a student loan with Sallie Mae. I have paid this student loan off in XXXX payments in XXXX XXXX and XXXX XXXX. I have submitted proof several times that I have made the payments. The proof I have submitted is the receipts and bank statements. I have been called a liar by Sallie Mae and have been told that I have altered the bank statements which is n't true. I have even offered a bank statement that shows the amounts being withdrawn from my account and the statement has been stamped and signed by the banks branch manager, Sallie mae has refused to look at this. Sallie Mae has defaulted my loan and has now threatened me to pay {$2600.00} by XXXX/XXXX/XXXX which I do n't have not should I have to pay because I have paid this loan off or they will turn this over to a collection department and this will be detrimental to my credit. I really need help with this so it does n't impact my credit. Sallie Mae has been the worse creditor to have to deal with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: Since XXXX of this year, I continue to be stalked and harassed severely enough for criminal prosecution by a party possibly living next door, who works for US Bank which has an office literally up the street in XXXX, IL. I had changed apartments to the current residential address a few months prior. In XXXX, some person at US Bank started modifying my US mailing address to change it to the prior one, which the attachment indicates is the case, and started sending out " XXXX '' like " hoots '' which continue to inflict severe disruption and thousands of dollars in damages and twist and turn, but in all cases, falsify claims to third persons, send me harassing US mail, phone, fax email etc, and assault my business and person wholescale like a XXXX now for nearly 90 days nonstop. 
US Bank continues to send out anonymous mail from several states, and in each case, never makes the same false claim XXXX, and continues to taunt and flaunt that it is just so high and mighty " that I can '' XXXX, but the issue is allegedly something like that and that the party at US Bank is royalty who " can ''. 
As per the attachments, the person running this public op at US Bank has continues to seek out methods to block terminating the damage infliction and harassment, currently removing all public services and contact nationally retaliating like this or worse every time I have worked through a mediator like CFPB or XXXX of MN. The person has lied to external parties including the CFPB and the XXXX of MN repeatedly in each instance. 
It has also lied about the continual change of my US mailing address by this person at US bank interfering with US mail as well. 
I am now required to not work with any US bank customers nationally by US Bank in retaliation for what they need public prosecution for and continues to taunt as being instead so publicly corrupt and powerful that they " can '' which is another problem that involves persons who are required by law to regulate and prosecute bank employees like this and who are clearly in their pockets and its still acting like in the pants of somebody involved who has created public abuse on the level of what they used to do to XXXX in XXXX area west of XXXX famous for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10/22/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was at XXXX now my new mortgage is XXXX starting XXXX 2015. The reason for this is because my escrow was overdrawn for home insurance with Flagstar. Not sure for how long but, I came up with my own home insurance. I have recently returned a check to Flagstar in the amount of XXXX. I am trying to bring down my payment back to XXXX and pay for my own home insurance since my escrow keep being overdrawn. The way Flagstar explained to me is that out of the {$550.00} paid monthly {$70.00} will be put back into my escrow. I have attached information on my account with Flagstar since XXXX and the amount remains the same every year to total XXXX. What mortgage remains the same for 13-years. Can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX Student Loan account .Ive Been trying to verify this account for six months from XX/XX/2017 - XX/XX/2017 and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 

I ENCLOSED A COPY FROM XXXX REPORT SUMMARY STATING THAT THE ACCOUNTS XXXX/ XXXX WAS UNVERIFIED AND WAS DELETED.

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 06/26/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Mislead by a fraudulent school to take out a high interest loan

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I am now out of work due to a XXXX and can not make the payments. The lender is unwilling to work with me and I 'm worried about what will happen next.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Settlement process and costs

Complaint: i have already filed against my bank regarding mounting fees on a loan that was paid off XX/XX/XXXX. after an investigation by your company. thought you were supposed to fight for the little person not for the big corporations. the complaint filed before was that Bank of America dipping into our account to pay our county taxes. My husband spoke to one of your representitives. could not get her to understand what we were trying to tell her. tried to get her to understand that you guys have only heard their side of the story. pieces of the story are missing. their was not there. where we had made multiple calls to customer service to BOA and multiple trips to the brick and morter branches to speak to managers and anyone that would help us with this problem to no avail we could not get any resolution. we need someone to represent us and not the big companies. this is supposed to help us the Consumer. unless you listen to our side we will have no other alternative but to seek legal help. Please reach ougt tous so that we can resolve this. 
Thanks XXXX and XXXX XXXX XXXX or 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 01/30/2018 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: About XXXXXX/XX/XXXX Owed only {$71000.00} XXXX ( XXXX XXXX ) on my home. I decided to refiniance with the current low rated. The mortage company call several times before. 

Early XXXX I sign a form to have monthly payments of {$980.00} from my account. According to the mortage Co. they did not get my mortage, I became afraid and called in {$980.00} XX/XX/XXXX see Exhib # 1. After noticing numerous overdraft I called my bank. XX/XX/XXXX and XX/XX/XXXXthe mortage company taking double payments out of my account up to {$3800.00} ; XXXX  without my permission. See Exhibit # 2 I am XXXX yrs old I dont know anything about mortages I trusted the mortage company and they did what they did what they wanted to with the aquity in my home. 

Please AudiXXXX my loan. I owe only XXXX XXXX my home the Co have me owing {$99000.00} they gave me {$1800.00} XXXX approx Please invistigate this. 
I sent a complaint to you XX/XX/XXXX via registered mail, I assume you did not recieve it since I recieved these papers again from you today. I will send evidence to you via fax since I dp not know to upload information on the computer ... ... I sincerly hope you recieved the documents sent last week XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MT).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgages was sold by XXXX Mortgage to Carrington Mortgage effective XXXX XXXX, 2016. We were in the process of going through a refinance with a third lender and had to wait until our account was active in Carrington 's system before we could order a payoff. On XXXX XXXX, 2016, I called in, spoke to a rep named XXXX, and ordered an expedited payoff statement, checked the balance of the escrow and requested my automatic payment plan be cancelled since we would be paying off the loan before XXXX XXXX payment was due. I was told the automatic payment plan was not showing up on the system and to call back after XXXX XXXX. I tried to call back on XXXX XXXX, but Carrington was closed. I called on XXXX XXXX, spoke to XXXX and repeated my request to have my payment plan cancelled. After being transferred to another rep, XXXX, he told me I was not on any automatic payment plan, therefore no payment could be drafted on XXXX XXXX. I would have to submit a packet in order to get on an automatic payment plan. Our loan with Carrington paid off in full on XXXX XXXX, 2016. On XXXX XXXX, Carrington autodrafted a payment from my bank account, causing me to become overdrawn and charged an NSF fee. We called into Carrington on XXXX to complain and was told they could n't even see the payment posted to the account and I would need to fax in proof of payment and the NSF fee before they could do anything. I faxed in the requested information. On XXXX XXXX, I received a call stating I would need to sign the letter I had faxed in before they could start anything. I signed the letter and refaxed. On XXXX XXXX, I called in to check on the status of my request. According to XXXX, my request has been closed, but no check had been sent out. Each time I call in, I start over and each time I am told that a refund request takes 14 days to process before a check will be issued and mailed out to us. At this rate, it will be XXXX before I see the money Carrington Mortgage stole from us, if at all. Yes, STOLE. I never gave Carrington Mortgage authorization to autodraft a payment. I called TWICE and revoked the authorization Carrington inherited from XXXX. They stole my money and are making me jump through hoops in order to get it back. What 's to stop them from taking a payment on XXXX XXXX? I ca n't take them at their word. The real kicker? We received a letter from Carrington dated XXXX XXXX, 2016 thanking us for ENROLLING in their automatic payment plan to begin on XXXX XXXX, 2016. The letter was postmarked XXXX XXXX. This is the shadiest mortgage company I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for car loan online and 10 companies did hard inquiry without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 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: Reporting company used your report improperly

Complaint: A computer glitch that was Transunion 's probelm, not mine, caused my inquires to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days  prior to them re-adding them. 
I contacted TransUnion on XX/XX/XXXX in good faith to ask them to delete the inquiries that they illegally re-added. I spoke with XXXX, and he denied my request for the inquires to be deleted. I spoke with him at XXXX. He denied that this glitch effected me and he will not be removing the inquires. I understand my rights and legal protection. I also understand that when TransUnion had this glitch in XX/XX/XXXXand XX/XX/XXXX, it effected EVERYONE. 
These inquires added a hardship to my credit and my rights have been violated by TransUnion. 
Can you please help me from being victimized by TransUnion?

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 12-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was XXXX in XXXX XXXX. This past XXXX, XXXX student loans accepted my Federal XXXX determination and discharged my private student loan ( my doctor also completed their form ) but Navient Student Loans ( previously XXXX XXXX at the time the loan was taken out in XXXX ) has refused. I am still in need of XXXX and can not work full time. I also attended the XXXX XXXX of XXXX. Navient refuses to even consider me for deferment or forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.

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 05/30/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Infiniti Financial Services has reported many inaccurate statements of late payments and early lease termination on several accounts with them. These include Account numbers  XXXX  and  XXXX . I have not been late. Regarding account  XXXX , I was in dispute with them direct because they did not validate vehicle insurance when I leased my new vehicle from them in   XX/2016 . The  lease is therefore void and not valid. Also, they reported I was late in   XX/XX/XXXX  whe n we were in dispute and they said they would not. They never returned any of my phone calls.     They have reported on several other accounts with them. Stating falsely that I terminated lease early when I purchased a new lease from  XXXX   XXXX  in  XXXX  from  Infiniti Finance. I w as never told they would report lease terminated early.     They promised to remove all negative account information because I have not been late and I have not terminated any lease early.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX of XXXX, I cancelled XXXX and returned the recording box. I was charged for services I did not receive and for the box that I returned. Now, there are 2 debt collecting companies recording this debt falsley on my credit reports.

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 06/28/2016 about Credit card () with ENCORE CAPITAL GROUP INC. (MT).
Issue: Other

Complaint: CFPB entered into a consent agreement with Midland Credit Management ( MCM ), which MCM is now violating. MCM agreed to stop attempting to collection efforts and made settlement restitution in some cases but has resumed collection efforts. This was a phony claim to begin with. My claim number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Credit card protection / Debt protection

Complaint: While applying for the Barclay XXXX Card I asked the application specialist if they waved the annual fee for XXXX XXXX service members ( since this is common in the industry and they have a high annual fee ). The application specialist told me that sounds right but could not give me a definitive answer until I actually opened an account so they could ensure I was in a DoD database. Given that they had recently waved the fee for a few of my friends I applied for an account. After receiving the card and opening the account I transferred to a SCRA specialist who told me that a few weeks ago 'leadership ' made the decision to stop applying that SCRA benefit unless the service member incurred the debt prior to DoD enrollment date. There were unable to wave my annual fee as my XXXX XXXX service started in 2005. I explained that the application specialist was vague when I asked this specific question and led me to believe that the fee would indeed be waved. There is no way I would have applied for this high fee credit card or let Barclay run my credit report if they had communicated their actual policy during the application process. 

I closed the account prior to the annual fee being assessed, however this account will now appear on my credit report, and the fact that Barclay ran my credit report will lower my score.

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