milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (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 resolve the multiple negative student loan accounts on my credit report. The Credit Bureau  (  XXXX ,  XXXX ,  XXXX  ) are  neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Payday loan () with Big Picture Loans, LLC (TX).
Issue: Charged bank acct wrong day or amt

Complaint: Originally when I got the loan the agent XXXX did n't disclose the payment agreement correctly, she asked how would I like to pay the loan, interest only or paid in full, I said paid in full on the first due date. The company withdrew only finance charges On the due date and then again 2 weeks later costing me {$140.00} more. Then I called to ask why this happened the new agent explained that I was supposed to call back and confirmed after reading notes that the first agent never advised me of this in the first call and upon initial agreement of the repayment setup. She also stated she was sorry and she could help me by taking the full payment today for the total amount due, again with the finance charge a third time. When I asked her if this was her solution after researching and finding the XXXX agent was incorrect in the information given to me upon setup, and she stated yes. And I advised her I would be filing a complaint with CFPB, so she adviced she could Extend my due date to allow me more time, but never did she offer anything to reduce the cost of my fees or the amount of money the company was making off of their mistake. I do feel this was misleading and fraudulent to not give full disclosure of their policy and conveniently raising their profit. I also had attempted to change the payment amount online once before the XXXX withdrawal but the XXXX agent # XXXX, claimed it did n't take and I now have to pay a third time fee of {$140.00}. This {$400.00} loan has cost me {$820.00} due to their lack of disclosing all information. I have scheduled the full payment of {$540.00} to withdraw from my account on XXXX/XXXX/2016 and they are not authorized to take a penny more.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RSI Enterprises, Inc. (DC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Since XX/XX/XXXXXXXX I have received a 'first ' and 'third ' notice from RSI Enterprises , Inc. in unmarked envelopes regarding an 'outstanding ' debt to XXXX Tax and Revenue for back taxes for a year ( ending XX/XX/XXXX ) in which I did n't live in XXXX. 

To note I have received no correspondence from the city/district regarding this situation. 
The envelopes are unmarked. 
The letters are unprofessional and appear to be a scam ( i.e. grammatical errors. 
I responded to the first letter with a call, which went unanswered, and an email on XX/XX/XXXX, which also went unanswered. 
After I received the second ( which they claim is 'third ' letter, on XX/XX/XXXX, I spoke with an RSI XXXX representative, who connected me to the XXXX Office of Tax and Revenue on XX/XX/XXXX. After speaking to the main operating line, I was transferred to the Collections Office. I have been unable to reach anyone in the Collections office, and my calls have gone unanswered and messages unreturned. I have been logging every attempt to reach the Office, and I can provide specifics : XXXX to the Main telephone line at XXXX I spoke to XXXX XXXX, who advised me to speak to your office, informed me that " errors '' regarding the appropriate taxation of XXXX residents who moved to the city at the end of the tax-year is a systemic issue in the department. She recommended that I speak with XXXX XXXX and provided me her number. 
XX/XX/XXXX to XXXX XXXX at XXXX, and again at XXXX, at which point I left a message with my name, number, and requested a call back. 
Having received no return call, I again called XXXX XXXX at XXXX on Friday, XX/XX/XXXX, again leaving another message requesting a call back and providing all my information. 
Having received no call on Monday, I called on Tuesday, XX/XX/XXXX, at XXXX. I was again sent to voicemail, where I left the same message with all requisite information and a request for a return call. 
I then escalated to calling XXXX XXXX 's number at XXXX on XX/XX/XXXX. The call was not answered. I left a message again providing my information, the history of my attempts to reach the office, and a request a return call. 
On XX/XX/XXXX, having allowed the 24-hour window for a return call, I again called XXXX XXXX 's number. The call was not picked up, so I again left a message, and indicated would be attempting to contact this office by email, should I not receive a call back by noon today. 

I want to report this pattern of delay, error, and non-communication practiced by both the XXXX government and its collection agency, RSI Enterprises , Inc . Frankly, the negligence places my credit score, and therefore my financial health in whole, at risk. I am hoping that you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Since Navient took over XXXX XXXX, I 've had MANY calls that would resolve with certain things being in place, only to find out later that week, month, or following weeks later, that the information I was given was not correct ( learned through yet another call ) and then I 'd have to pay back fee 's to get 'caught back up ' and then I can be helped. That cycle would repeat itself, for various duration 's depending on the previous outcome. Example, I wait a month or two to get a collection of money and pay all back up again. I got the last resolution to be the most stable. I paid off one loan in lump sum ( ouch ), got a flat rate reduced payment plan for 15 months, so long as I never pay late or incomplete. So I had to get into an auto-pay program. Things are ok now, but getting the run around for years and paying up front costs to get into different programs would only be 'good ' until the website said I owed hundreds more dollars that month.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ECMC Group, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I saw XXXX collections on my credit from ECMC, a collection agency that is not bonded to collect in my state. I sent for validation from them but they never responded. My student loans were consolidated and are current, yet this agency refuse to remove this inaccurate information from my credit. 
ECMC IS NOT BONDED TO COLLECT IN MY STATE

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 08/22/2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (CO).
Issue: Application, originator, mortgage broker

Complaint: When we applied for a loan with Amerisave mortgage, we were required to supply a credit card for an appraisal before we ever got a good faith estimate ( GFE ). Amerisave essentially performed a bait and switch on us by asking for additional items not required by any state or federal law in an attempt to charge even more eroneous fees to pad their bottom line.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Shopping for a loan or lease

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXXXXXXXXX XXXX Dear Sir or Madam, RE : Unauthorized credit inquiry While checking my personal credit report, which I acquired from the XXXX credit reporting agencies, I noticed inquiries made by Springleaf Fin Srvcs, XXXX XXXX, XXXX GA XXXX Phone : XXXX Since I have not, authorized anyone employed by your organization to make an inquiry personally or via the internet, you are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. 
I 've a credit fraud alert attached to my file and have not been notified of such an inquiry. 
If this was an attempt to obtain services or credit, it was fraudulent. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: all XXXX credit report companies are stating on my reports that these companies are telling them i had lost or stolen cards and identityt theft which is not true or accurate. 
XXXX and XXXX cards are filing stuff on my report that i had lost or stolen cards and that i had identity theft and i have not ever had such a problem. they have cancelled the cards out now because im pisted off they keep adding stuff to my report that is not true or accurate i have called them several times and all XXXX credit report companies as well. i had top excellent credit a few months ago now it went down and i cant even get a credit card now when i apply cause of them putting this on my report and XXXX of my other credit card companies have also cancelled out my cards as well like XXXX card and another card i had. they said until this is taken off my report my credit is bad now cant get approved for no cards or loans and they wont give my credit cards back until its taken off. i need this taken off so my credit goes back to excellent again its bad right now cause of this companies putting stuff on my credit reports and now i cant even get approved for a new credit card since they did this this last month. please help me get this off my report the XXXX and XXXX cards info about lost or stolen cards info and dont allow them to report more bad things on it, i really want my credit to be excellent but credit report companies are destroying it as well as XXXX reporting it on my credit reports and i want it fixed asap. so i can get my XXXX card back and my other credit card and i want to apply for loan but i cant even do that as of right now cause of this fraud alert and lost or stolen cards they have put on my report. just the info taken off about stolen or lost cards or fraud alert or identity taken off, let me know. the XXXX XXXX and XXXX cards they closed themselves because they saw this on my report as well, so their own company cancelled me out cause they put this on my report themselves XXXX but they are accusing credit reporting companies for doing this so i dont know if credit reports are causing teh issues or XXXX but i want it off immediately cause its inaccurate 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 explanation
Consumer complaint received 05/26/2016 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 am filling this complaint because I have been ignored by the Experian. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 have been a recent victim of identity theft. I sent a 609 Letter to Experian disputing items on my credit report via certified mail. I also demanded that they send me documentation that they used to verify the accounts on my credit. They failed to reinvestigate, and to send me proof of any documentation they used to verify the accounts. I would like the following accounts removed immediately.
XXXX XXXX-XXXX XXXX XXXX-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- sent me a letter stating that my name and address is n't in there system. I would like this to be removed as soon as possible 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 10/20/2015 about Other financial service (Check cashing) with EARLY WARNING SERVICES, LLC (NC).
Issue: Customer service/Customer relations

Complaint: I was initially denied the ability to cash a check at XXXX via XXXX. Yet, in a matter of minutes, I was able to cash the same check via XXXX. Then, XXXX sends me a nasty gram stating that the original furnisher of information was Early Warning Systems, LLC. I never authorized Early Warning Systems to have access to my information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with Credit Karma, Inc. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: my info does not match up with my social security number and i put in all of the correct information in and i still cant access my account

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is my 3rd dispute against Diversified Consultant Inc ( DCI ) account number XXXX in the amount of {$460.00}. I contacted you the CFPB to get them to take this fraudalent account off my XXXX and XXXX credit reports! Well they will take it off one and put it back on another! They have not sent me any information regarding this account and my right to dispute or provided any verification of the debt belongs to me! As I stated in my previous complaints, I 've never authorized anyone to use my identity and I have lived at my current address 2 years! It says on my report that the debt was open XXXX XXXX, 2017. If it was open or closed that day, it 's not my debt to pay! 
They are playing this game that they will take it off my report and then report it again after I 've disputed it with you and the credit bureaus! They 've just recently placed it on my XXXX report after my dispute! I am willing to take farther legal actions against them and the credit bureaus because this debt is not my debt! I do n't think this is a game and it burns me up to know they are taking this as a joke!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage is currently serviced by Caliber Home Loans ( CHL ), who took over servicing for XXXX ( XXXX ) on XXXX. XXXX adjusted our escrow account without notification, causing our normal monthly payments to fall short when paid. CHL then proceeded to forcefully lock us out of our home without warning, which is a clear violation of RESPA law. They hired XXXX ( XXXX ) to take this action and advised them not allow re-entry into the property. Then CHL proceeded with foreclosure action and set a sale date of XXXX, ultimately postponing it to XXXX. CHL has recently allowed re-entry in to the property, but during the lock out period the was severely vandalized XXXX see attached. Since the vandalism took place during the lock out period, the liability falls on CHL. CHL refused to take action the repairs and clean up needed, ultimately forcing us to file a personal insurance claim. The vandalism reached extremes when my pool fence was removed, leaving my swimming pool unprotected. This ultimately led to a serious fine from the city. I have sent a QWR and XXXX Demand to CHL, requesting that they prove up the validity of the debt. CHL has refused to respond to this request, stating that they are proceeding with foreclosure activity. Caliber has refused to take any action to remedy the current problems. I feel cheated and deceived by CHL, therefore I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I knew this month we were going to be late in our payment to Nationstar Mortgage. I went into their site as an active account and called the support lines they provided. Each different phone number posted directed me to to answer a brief survey which they promoted products XXXX. If I chose not to accept my free vacation I landed back at that question. I could not email them and I could not get to them. They have been harrassing me for months to redo my loan at XXXX % interest rate instead of current XXXX % like other banks. I have refused as their methods are an insult to anyone of intelligence. finally, today, after my wife getting her SSI payment I tried to go online to make my payment. The door is locked I am now in collections. This company is out of control. I did just for grins send an email via " support '' asking them if I could pay the house payment with a credit card-no answer other than I can call XXXX the XXXX numbers demonstrated above.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) a debt collector for XXXX XXXX XXXX of Texas. I called their office to tell them that this debt was not mine and I have not stayed in Texas. I followed-up this telephone call with a letter dated XX/XX/XXXX. 

On XX/XX/XXXX I received another letter from XXXX requesting additional amounts due to their same client. On XX/XX/XXXX, I again sent a letter to them informing them that this was not my debt. 

On XX/XX/XXXX I received another letter from XXXX offering to settle the above debt within 10 days. 

They obviously have ignored my telephone call and letters.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i applied for a loan and these two credit cards showed up and I have never applied for these cards. XXXX XXXX {$840.00} and a XXXX XXXX for {$740.00}. I never had or used these cards and would like for them off my record. I do n't read well or use a computer. Got a relative to try and get this mess straight for me because Im old and do not use credit cards or order items. I m XXXX and XXXX XXXX XXXX XXXX completely. Not making excuses but I trying to get my point across.

Company response to consumer: Closed with non-monetary relief