milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2016 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (AZ).
Issue: Advertising, marketing or disclosures

Complaint: I have been calling Rushcard for 4 days in a row in regards to not being able to access my money. I am either told the problem will be fixed in 1 business day, which it is not. Or put on hold when I ask for a supervisor and no one comes to the phone and I end up giving up after XXXX40 minutes on hold. I have bills that are now late and being charge late fee etc. I asked to be transferred to a representative in the United States and they advised they could not do that, which I thought was some sort of law.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02-03-2017 about Credit card () with Alliance Data Card Services (MI).
Issue: Balance transfer

Complaint: I requested a balance transfer with XXXX Credit Card at Comenity Bank which was never completed. They billed me for the {$1000.00} balance transfer amount plus the fee of {$10.00} but it was never received by XXXX XXXX. Because it did n't make it, I was charged {$20.00} in interest at XXXX XXXX. XXXX Credit Card is refusing to help with the matter. They owe me a credit to my account of {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/21/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XX/XX/XXXX - I noticed a bankruptcy showing on my Experian credit report. Experian is the only credit bureau showing this bankruptcy. I sent a letter to Experian requesting an investigation about the bankruptcy. Experian does not respond. 
On XX/XX/XXXX - I send a XXXX letter request an investigation and I do not receive a response XX/XX/XXXX - Experian sends a response saying that this item remains unchanged. At this point I am frustrated and do not know what to do so I write the United States Bankruptcy Court. 
XX/XX/XXXX - The U.S. Bankruptcy Court responds that they clearly do NOT furnish information to the credit bureaus NOR public record vendors NOR verify information with them. 
XX/XX/XXXX - I file a Consumer Financial Protection Bureau complaint to obtain bankruptcy details and find out the method of verification of this incorrect bankruptcy. 
Experian responds only with that they verified the bankruptcy, AGAIN withholding details I specifically asked for AND withholding the method of verification only vaguely stating that they used a vendor. Experian refuses to inform me WHO this vendor is and WHERE this vendor is getting this information from. Is Experian exempt from the Fair Credit Reporting Act? Is the Consumer Financial Protection Bureau useless? 
XX/XX/XXXX I again write to Experian and ask for details about this bankruptcy and ask for the METHOD of VERIFICATION. 
XX/XX/XXXX Experian sends me a canned response only stating that they refuse to further investigate. WITHOUT including the bankruptcy details of my request NOR including the vendor name/address/contact info I requested per my rights according to the Fair Credit Reporting Act. 

Again I have 2 main questions for you:1 ) Is Experian exempt from the Fair Credit Reporting Act? 
2 ) Is the Consumer Financial Protection Bureau useless? 


Experian 's mistake has been preventing me from purchasing a home and drastically affecting my credit rating. 
Then the United States Bankruptcy Court confirms to me that they do not communicate with credit bureaus NOR with any public record vendors. This should be removed from my report and should never have been reporting in the XXXX place. An updated copy of my credit report needs to be sent to me showing this has been removed as well. OR Experian should provide me with the bankruptcy details I am asking for AND for the vendor contact information which they are obtaining this information from.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Ace Cash Express said they would have government put a hold on my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I spoke with this company about my student loans. I want a receipt of my taxes they withheld. I had no idea I was in default as I was getting ready to go back to school. Never the less, this collection company, XXXX XXXX XXXX, will not send me the paperwork to start rehabilitating my loans. They want a copy of my tax return. I want everything in writing before I send out my personal information this this company. They told me that without a copy of my tax return, they won't help me. I find this to be a fraudulent action. Also, I am not overpaying for collection fees. This has been a huge mess. Please 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 10/24/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I faxed a cease and desist letter to Diversified Consultants @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against Diversified Consultants. I requested that Diversified Consultant send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from Diversified Consultants and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANCO POPULAR DE PUERTO RICO (CO).
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: On XX/XX/XXXX I made a balance payment due of XXXX cents to my XXXX credit card from Banco Popular. 

When I received the next statement I noticed that I still owed the XXXX cents, and when I called the customer service the lady told me that the charges were reversed because when I called on XX/XX/XXXX to paid, the person took my my information wrong. 

By then they already reported my credit for the XXXX cents. 

Again I made the payment on XX/XX/XXXX for the XXXX cents, they credit my XXXX card and my balance was finally {$0.00}. 

In the meantime, they showed I was 60 days late affecting my credit score with a drop off of over 100 points. 

I called Banco Popular and they told me to write an email to customer service, but I have no response, not even acknowledgement that they read it. 

I made claims to XXXX, XXXX, and XXXX in an effort to clean my record, but they all came back with no changes. 

I am in the middle of a loan for a commercial property and this inconvenience had putting in risk the approval. 

Also because of the XXXX cents credit report that Banco Popular issued, I recieved a letter from XXXX XXXX XXXX. They closed my XXXX ( balance was XXXX ), which also affects my credit history. They stated in the letter it was due to my recent derogatory payments. 

At this moment I am also applying for guardianship for my XXXX son who is going to turn XXXX in XXXX and has a XXXX XXXX XXXX. I need my credit report as it used for the court, and I don't have good credit anymore. 

I've had this XXXX from Banco Popular for 21 years now with a credit limit of {$29000.00}, which I always paid punctually, and it is not my intention to ruin it for XXXX cents. It is very unfair to be punished for a clerk error. 

All I want is to fix my credit history. Nobody in their right mind would ruin their credit for XXXX cents. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WAKEFIELD & ASSOCIATES, INC. (CO).
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: Began sending letters in XX/XX/2017 to dispute items I believe are not in compliance with the provisions of FCRA and the FDCPA. The accounts in question are Wakefield & Associates and XXXX 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 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed the following erroneous information with this bureau directly. The majority of this erroneous information is because obviously my credit report has been merged with another XXXX XXXX and now my accounts are marked bankruptcy. 
1. XXXX XXXX XXXX - this account went delinquent for the first time in XXXX. The other credit bureaus have removed this however Experian continues to report the information. I have asked for a full payment history from the creditor and from Experian. Neither has sent me the same so how are we " verifying '' that this is accurate as reported. 
2. XXXX XXXX XXXX XXXX - This collections company purchased this account second hand from XXXX XXXX. They are claiming that the account was included in a Chapter XXXX bankruptcy in XXXX of XXXX. However this appointment with XXXX XXXX did NOT occur until XXXX of XXXX. Please request the original receipts or instruments bearing date of service. 
3. XXXX XXXX Bank - Acct. XXXX - this again is erroneous information that Experian claims to have verified. It literally says " debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - HOW IS A DEBT INCLUDED A BANKRUPTCY that does n't exist. There is no bankruptcy in XXXX XXXX. And this account was n't included in a bankruptcy. 
4. XXXX accounts from XXXX XXXX XXXX. Same issue. These accounts are being reported as included in bankruptcy when I was NOT liable for these accounts, the insurance carrier was. I have also disputed these accounts and Experian continues to insist they have verified them. I am requesting copies of the instruments or any documents relative to the same. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX You can clearly see the inconsistencies in all of this information. And This refusal by Experian to adequately verify information is causing personal injury to me and my family. I have multiple times requested the documentation from Experian Credit Bureau and they refuse to respond. Please send the relative contracts or receipts bearing my signature.

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 03/19/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: J.P. Morgan Chase Bank 's XXXX XXXX wrote on XXXX XXXX, XXXX that Chase refused to provide a {$290.00} credit of the subject {$1800.00} charge that was posted on my Chase Credit Card on XXXX XXXX, XXXX with the reference XXXX SIENNAENTER. My attorney left a voice-mail message for XXXX XXXX ( XXXX Ext. XXXX ) on XXXX XXXX, XXXX and then spoke with her on XXXX XXXX, XXXX. XXXX XXXX advised that she would consult with a Manager and that my attorney would hear back in XXXX hours. After not hearing from XXXX XXXX, my attorney left a second voice-mail message on XXXX XXXX, XXXX requesting that she at least provide my attorney with a facsimile number so that he could provide written notification of the matter. As my attorney has still heard nothing from XXXX XXXX nor anyone else during this entire time, I am submitting this Complaint to the BCFP : XXXX XXXX had indicated in her XXXX XXXX, XXXX denial that the merchant was under no obligation to issue the credit because a " significant amount of time has passed since the date of the charge. '' But XXXX XXXX did not explain the basis for this reasoning. The merchant promised a partial credit THE DAY AFTER the transaction occurred and had been continually indicating that the credit would be issued upon my regular bi-weekly demands. The merchant had merely acted as a broker in purchasing services from a third party and, significantly, was not billed for, nor did the merchant pay, the amount that the third party would have charged it for the cancelled portion of the service, i.e., {$290.00}. It was only after it became evident that the merchant would not issue the credit -- despite his repeated fraudulent assurances over many months that he was issuing the credit -- that I found it necessary to inform Chase that the merchant failed to issue it. This matter of course does NOT concern a dispute regarding the quality of a good or service, but simply the merchant 's ongoing failure to submit a refund through Chase 's Processing System while falsely informing me for many months that the credit was in fact being issued. If the merchant claims to have never agreed to the credit and/or that it was billed for the cancelled portion by the third party, I will provide the detailed documentation that evidences the merchant 's false statements to Chase and the fact that the merchant never was billed therefor.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Late fee

Complaint: I have been a consumer with Kohl 's since XX/XX/XXXX-XX/XX/XXXX. I have been working very hard on my credit reports to get incorrect information removed. I see that Kohl 's has late payments listed that do not match my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Payday loan) with ZARVAD III S.A. (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company claims I owe over {$700.00} and refuses to provide me with their address. They state they will only accept payment via XXXX. I have been contacted by collections @ mypaydayloan.com.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Auto debt) with CarFinance Capital LLC (AZ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I'm XX/XX/XXXX an employee of XXXX XXXX XXXX called and text co -workers ( more than one ) of mine inquiring information about my husband and I for the personal gain of  reposessing the car ( a car loan currently being serviced by XXXX  ). We fell on hard times with one income like many consumers and we were trying to work arrangements with XXXX XXXX XXXX but that does NOT give the right for any employee of a Collection Company /XXXX  to allow employees to contact un-authorized 3rd parties for gain. The Collector at XXXX XXXX XXXX disclosed how far past due our account was, disclosed it was out for Repo and she was actively looking for it to reposess it because " that's what I do now Repo Only ''. She discussed a private conversation my husband had with a Supervisor at XXXX when he called to make a compalint aboutbthe matter that occured on XX/XX/XXXX. This Collector was bosting as if she was proud. As if tbis was " normal repo practice for Collectors at XXXX ". She asked where I worked, if my Car was parked outside ( referring to.my place of employment ), she asked what my husband and I drive. We immediately advised XXXX of this as soon as it occurred on XX/XX/XXXX. They have not offered anything to help us with the humiliation, pain and suffering this has caused our entire family. Instead we were told by there legal.counsel that our account WILL go back on the dialer as of XX/XX/XXXX.  This is unfair and against our rights as consumers.

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 02/15/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Server did not pay my escrow flood insurance when it was due. Now it is lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, my bank electronically transferred {$1200.00} ( slightly more than 2 months payment as I had missed one month ) to Nationstar Mortgage. My loan was sold to them by XXXX in XX/XX/XXXX. On XX/XX/XXXX, I received a Notice that I was in default by something called XXXX XXXX. When I called and attempted to speak to someone at XXXX XXXX, the recording indicated that Nationstar was now XXXX XXXX. When I got through to XXXX XXXX by e-mail, I had to set up an account and it shows that I owe {$1100.00}. This is incorrect. In fact, I paid slightly more than that as proved by my bank 's confirmation # XXXX, delivered XX/XX/XXXX. The person that I finally got through to ( after 7 calls and hours of wait time ) told me I had to take out a credit report. This incorrect information is threatening my credit line and XXXX XXXX 's failure to properly credit my account could expose me to foreclosure. I want XXXX XXXX to correct its ' information. Further, I 've not received a bill for my next payment nor, in fact, any notice that XXXX XXXX is the proper party to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (IA).
Issue: Credit decision / Underwriting

Complaint: I am wondering if you can assist me with filing a formal complaint regarding the servicer of my current XXXX loan that is serviced through Seneca Mortgage Servicing. 
I have been actively trying to get them to provide me with their Assumption requirements for my loan since XXXX/XXXX/15. They originally refused to acknowledge my loan is eligible for an Assumption, even though all of my origination documentation states it is eligible for an assumption. They then had stated they do not have an actual assumption process in place to support eligibility requirements that my mortgage qualifies for. Not having an assumption process in place as a servicer is also not aligned to FHFA servicing requirements, or those outlined under the CFPB requirements. They advised since they do not have a formal process, my only option is to refinance my loan, which is unfair, and deceptive practices in my opinion. They want to push my into a refi process to potentially charge me additional points, fees etc, which I am not the least interested in and have advised them accordingly a few times. They then sent me a letter for loss mitigation options, which I am also not interested in what so ever, as I am current, have always been current, and I do not have a financial hardship. As I have tried escalating this issues as a formal complaint with them, they also do not have a complaint process in place, no acknowledgement of my complaint, and no follow up with me on the issue. I am not sure if they as a smaller servicer, are also held to the same standards to manage a complaint process as set forth with requirements under the O.C.C., National Servicing Standards, CFPB requirements or by FHFA. The only time they respond to me is if I initiate another email to them online. I have let them know they had until last Friday, XXXX to contact me with an acceptable solution based on what my loan is eligible for based on my origination documents, which is well over 30 days from when I contacted them, followed up XXXX different times to work through the issue. I advised if they have not contacted me, like they have not been, my only other option is to escalate this issue to FHFA, you FHLMC, the CFPB, the O.C.C. and my state AG. They have not upheld requirements for all of these agencies to support an assumption process, have used unfair/deceptive practices to push me to products I do n't want/need, all due to their inability to service my loans to the eligibility/standards outlined in my origination documents I signed. 
Anything you can do to assist is appreciated. This is also all also documented in their online email site as well.

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