milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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 purchased a car back in  XXXX  and it was financed through  XXXX   XXXX   XXXX . The car was a piece of junk and the interest was more than what the dealership disclosed to me. I voluntarily forfeited the car in  XXXX  and paid more than what the car was listed for on the blue book. My credit report with Equifax and  XXXX  are showing duplicated charge offs for this same account that I voluntarily surrendered the car to. I was told that it would not happen. And it is my understanding that when you voluntarily surrender a car and they came and picked it up that they can not show the balance on my credit reports. The balance appears on all of my credit reports and it appears at least  XXXX  times on each. I have asked the bureas to correct this and remove this information and they have not. I would like to have this resolved it has effected so many aspects of my life and it is my right to have proper information reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To whom  it may concern, I have sent correspondence to all three credit bureaus regarding public reco rds ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as the parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.

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 09-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX continues to have collection agencies try to collect a debt that I do not owe. I have filed several complaints with protection agencies over the years, but XXXX continues to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: These facts, documents, and information are submitted to refute th e American Express allegation th at I agreed to pay  XXXX   XXXX  {$40.00}.     Attached a re two  emails from  XXXX   XXXX   XXXX  that were sent to me after I ordered a tactical flashlight for {$9.00}.  One  email is an invoice and the other from a  XXXX   XXXX  advising who will do billing for the light. Please note that not  one o f these emails permits the usage of my credit card for  XXXX   XXXX   XXXX , edited by  XXXX   XXXX .     Now, whether  XXXX   XXXX   XXXX  or  XXXX   XXXX  bills as   XXXX   XXXX   XXXX   or   XXXX   XXXX   XXXX   or  XXXX   XXXX   XXXX , or  XXXX   XXXX ,  XXXX , it is merely an alias website for the same entity : possibly  XXXX   XXXX . In addition, this would include the  XXXX   XXXX   XXXX   XXXX  reports mentioned in the  XXXX   XXXX ,   XXXX   email, which is also included. It is possible that someone could have obtained access to the database for the flashlight, and then charged the {$40.00} to my account, following up with the bogus email.     Now, there is very little inference in the information, which I provided. It appears that the {$40.00} charge on  XXXX   XXXX ,   XXXX   stems from the purchase of the tactical flashlight, which I did purchase.     Please review the email dated  XXXX   XXXX ,   XXXX  . Said email refers to the purchase of the flashlight. Also, note that the invoice and email from  XXXX   XXXX  also references the flashlight. However, neither of these two emails contain any reference to a {$40.00} purchase of information from  XXXX   XXXX ,  XXXX   XXXX , which appears to be a sort of holding company.     It is not until  XXXX   XXXX ,   XXXX   that a  XXXX   XXXX  makes a false allegation that I purchased regular reoccurring issues of  XXXX   XXXX   XXXX   XXXX .     Now let me make this perfectly clear. I purchased a flashlight on  XXXX   XXXX ,   XXXX  . Moreover, I never purchased a  XXXX  &  XXXX   XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2016 about Credit reporting () with SELECT PORTFOLIO SERVICING, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX 2016 after checking my credit report, I realized that there was an error on my credit report. Select Portfolio Servicing, Inc. had attached a debt to my credit report which did not belong to me. The debt actually belonged to my father who has the same first and last name as me. I contacted SPS in XXXX to correct the issue and made them aware that they had illegally obtained my Social Security number and attached it to my fathers debt. My father also contacted them to make them aware of the error. SPS mailed my father the appropriate forms to verify his identity and he completed the forms and returned them. He also attached copies of his drivers license and Social Security card to confirm his identity. SPS will not acknowledge these complaints or receipt of the forms mailed in by my father. Additionally, SPS will not admit fault for illegally obtaining my Social Security number and attaching it to this debt. For the past several weeks I have contacted SPS nearly every day by phone and have also contacted them in writing to resolve this issue. I have recently been denied a home loan because of this error on my credit report. SPS has made no effort whatsoever to resolve this issue and now I will soon be homeless because I sold my home and was unable to obtain financing to purchase a new XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I spoke with a rep at Equifax after about my 24th attempt about having XXXX of the inquires off my report that were not mine. I had been sent back and forth between the creditors reporting and the agency several times. They were just running me in circles. The rep apologized for what I had been through and she said she was removing all but the XXXX XXXX which is actually my only one. I was also told I would get something in writing, neither action was taken. This was over 3 weeks ago

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have written to XXXX XXXX in the past and have asked them not to contact me through my work number. I have given them permission to call me on my cell phone and through text. I have continued to receive phone calls at my work from a guy by the name of XXXX. The dates listed below are when he has called me. I understand I have a responsibility to take care of my account, but I have explained to them many times to please not call my job. I would like to keep my personal debts separate from my employment. It is not acceptable to my employer to receive personal calls and is embarrassing to have debt collectors call. XXXX XXXX ( XXXX ) is calling and leaving his name, where he 's calling from ( yes, he is saying XXXX XXXX ) and his number. Again, I have asked them not to do this. I have written it down for them to know. I spoke with the manager today and he confirmed this was notated in my account, it was also confirmed by the receptionist XXXX that this was notated as well on my account. Yet, XXXX is still calling my work number. 

Dates company has called my work number : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: My complaint is about Experian and their refusal to report our mortgage as being open and paid. I have sent mortgage statements, and documents from the lender ( XXXX ) that this account has never been closed, and is being reported as such. From what Experian has explained to me is that in XXXX the account was discharged due to a bankruptcy, and the tradeline was never inserted back by XXXX. XXXX informs us that they have no control of when a tradeline is removed. On XX/XX/XXXX, XXXX submitted Automated Universal Data form ( AUD ) number XXXX to Experian to reinsert XXXX tradeline. I spoke with Experian on XX/XX/XXXX, and they informed me that Experian will never be able to report our mortgage, because the time frame had passed for XXXX to have the tradeline reinserted. Our mortgage was never included in our bankruptcy, and it should have never been removed from Experians credit report. The other credit bureaus are reporting our mortgage as open. So, in conclusion, its been ten years since Experian stopped reporting our mortgage, and some lenders use Experian to determine eligibility for credit. I want to know if it is legal for Experian to refuse to report our mortgage. I have been back and forth with Experian and XXXX to resolve this matter. Thank you for your assistance.

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 03/26/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: We have paid our mortgage in full and on time since its inception in XX/XX/XXXX. We have no escrow account and have always paid our insurance and property taxes on time and in full. 

In the summer of XX/XX/XXXXOCWEN charged us for forced place insurance even though we had insurance. They never sent us notification of this or the reason why it was necessary. We had insurance thru XXXX XXXX at the time. I didn't realize they had done this until I got a collection call from them stating that we were 90 days past due on our loan. During that conversation I was also told that forced place insurance had been applied in early XX/XX/XXXXas well. 

I pulled our credit report and found that OCWEN had indeed reported our loan 90 days past due. Over a six ( 6 ) week period I spoke with numerous OCWEN  customer service agents, XXXX xXXXX, XXXX XXXX x XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and was told that XXXX had not provided them with a copy of the policy. XXXX provided proof that insurance was in place and never lapsed, and provided me with a copy of the fax transmittance. 

OCWEN promised that once they received the documentation from XXXX they would ( 1 ) removed the forced place insurance, ( 2 ) credit the charges associated with the forced place insurance, ( 3 ) issue a letter to us showing that we were not at fault and had never been late on our mortgage, and ( 4 ) correct our credit report. 

As of this date, OCWEN has ONLY removed the forced place insurance for XX/XX/XXXX and credited the charges associated with XX/XX/XXXX. 

I have made over 20 calls and spent over 6 hours with OCWEN customer service trying to correct this -- the last of which was with XXXX x XXXX on XX/XX/XXXX. 

Due to OCWEN 's incompetence and careless regard for our credit standing, our three ( 3 ) credit reports have shown us 90 days past due since XX/XX/XXXX. Nothing seems to get them to correct their error and nobody seems interested in getting this fixed. 

Any attempt you could provide would be greatly appreciated.

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 12/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: Bank of America has charged me overdraft fees and should not have. They have withheld funds to my account in order to charge me these fees. The account balance is always appears to have positive balance but the bank will make it negative. I am sick of this.

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 06/20/2017 about Debt collection (I do not know) with Comerica (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I receive SSI. On XXXX XXXX, I received it as usual. I paid bills that XXXX. I went to XXXX to purchase a few items in the evening and found that {$900.00} had been withdrawn from my Direct Express account in an " IVR transfer ''. No name of who took the money. I was shocked and panicky. I contacted Direct Express and they are investigating via their fraud department and issued me a new card. Also I have contacted an attorney. Mysteriously, the funds reappeared in my account the following week, XXXX XXXX to be exact under the heading " credit adjustment ''. The woman I spoke to in the fraud department stated that my funds would not be returned until after the investigation so where did the money come from? Any way you can assist me with this will be helpful as this money is crucial to my survival and I ca n't afford this to happen again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was given the WORST advice for my, then, XXXX loan! At the time I had just finished doing a 2 year XXXX. At the end of your XXXX you are awarded money to use for either going back to school or to repay student loans. One of the reasons I did my service was to then get this money to repay student loans and get myself back on track. I called XXXX for advice. I had $ XXXX in debit to pay off, my rewards money was $ XXXX. I was told by the XXXX representative to put my loan on deferment and use the money to pay the interest in the meantime as I figured my life out after XXXX. Let 's get something clear, I am an XXXX, it is not easy for me to deal with money or math, it is just not my bag. So when the institute representative advises, truly urges me, to go this route- I trusted him and XXXX . Naive, I now see. I place this all on automatic payment, not really looking at what is going on for a couple of years, again trusting my institute. XXXX then becomes Navient and I take a look at what was going on. Here 's the numbers- I had XXXX to pay in the beginning, with a XXXX award. After a couple of years of doing the XXXX ' way- I had $ XXXX to pay off and less than $ XXXX left in awards money. That 's right ... the SAME amount of money to pay off to Navient!!! I had just been paying them for no reason. I felt stupid and cheated and lied to. I had grown up a lot in the years between then and I felt so foolish for trusting a company I had no choice in dealing with. I was ashamed to tell my parents and my, now, husband. I should have paid the XXXX outright and figured out the taxes- today I would be debt free. I still owe over $ XXXX to this day as I slowly chip away.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: One of my student loan providers is Discover. I 've attempted to call them and ask them for a lower monthly payment plan but they advised they do not have any plans like that. They only offered to provide a forbearance in which I 'm not interested in because I do n't want to have my interest increase. I mailed them a request in writing to list all the options they have to help me pay them but they responded stating to give them a call. I am a graduate out of XXXX XXXX University and live pay check to pay check to get by. I feel the loan providers should be more flexible especially because this is a very known issue that happens to XXXX and maybe XXXX of graduates. Something must be done, this is simply unfair. I feel XXXX XXXX University is a scam and they promise a lot of things that they do n't keep.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I googled " Free credit report '' and link to Experian showed up. When requesting a credit report supposed to be " free '', they signed me up for monthly monitoring for {$21.00} without my realizing it. My FICO score is excellent and I am not in the market for any loans. I found out about this charge from my credit card statement. When contacted, they refused to refund the fee. When googled, this is XXXX of the top XXXX complaints against Experian as many other people have had the same unfortunate experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter stating that I owe {$20.00} for XXXX issues of XXXX. I received mail from XXXX unsolicited and did not subscribe to this publication. I did not receive their magazine and am not interested. I do not owe them any money. 

The debt collectors are called : North Shore Agency XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX Ph. XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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 've been trying to submit complaints to XXXX for months to no avail. They are failing to investigate the inaccuracies i am finding on my credit reports. Can they do that? I 'm sure there 's no possible way for them to suggest that my letters are not coming from me. I 've also contacted the creditor XXXX and they failed to respond as well. Is that legal? Can they do that? Just ignore my disputes like that? 

XXXX # XXXX This account is listed under MEDICAL. I 'm sure i 've never given ANYONE permission to share my personal medical information. I take that very serious. I 've contacted XXXX and requested a medical release form THEY IGNORED ME. There 's no way possible this account can be verified if they could n't verify it to ME. Please remove. 

# XXXX XXXX XXXX # XXXX I have NEVER done business with nor have i been contacted by this company. This company has NEVER reached out to me about this debt Clearly they have made a mistake. Please remove this account.

Company response to consumer: Closed with explanation