milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2017 about Debt collection (Medical) with The Affiliated Group, Inc (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This collection company reported a debt to all three credit bureaus. The collection has caused an unbelievable issue on my credit report. My score has dropped XXXX points because my creditors have lowered my credit limit so it appears that I now have used up all of my credit when that was simply not true before they lowered my limits. And the limits were lowered because of this reporting. They say I owe {$89.00}. I have no idea when this amount came due nor do I know to whom this {$89.00} is owed to. I have no date of service, no invoice, no invoice date. NOTHING. Not once have I received a telephone call nor have I received written documentation of the debt. The reporting on my credit bureau indicates this is a XXXX XXXX debt. I recently went to XXXX XXXX for a health issue and they did not even make me aware of a past due balance. Both XXXX and this collection agency should have at least notified me and given me a chance to pay the debt before reporting to the credit bureaus and ruining my credit. I ca n't even refinance my home now. Because of their poor reporting tactics, my credit is beyond being repaired. I wrote the XXXX credit bureaus and explained the situation and asked for this to be removed from my credit report. My request was declined by all three agencies. Can you please file a complain against this company and the XXXX credit reporting bureaus and have this removed from my credit file? And if in fact that I do owe this money, I can assure you it will be paid promptly. I ca n't say that I do or do not owe this debt because I have never been furnished with an invoice, or what the debt is for, or when the debt incurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I attempted to first resolve the following issue with Experian. However, Experian 's website requires that the person filing a dispute first access his/her report. I attempted to do this online. After inputting all necessary information, a statement was provided that the company could not assist me ; no explanation was provided for this statement. Experian does not have a phone number on its site that allows a consumer to call and receive assistance regarding a dispute or navigate its online dispute system. 

My issue is with XXXX hard inquiries I viewed on my Experian report this evening, both by XXXX. The first is dated XXXX XXXX, XXXX. I closed an account with XXXX on or around this date, and I did not consent to any credit inquiry around such time. The other is dated XXXX XXXX, XXXX. I called XXXX on this date to access its internet services. The customer service representative informed me that unless I paid a deposit, the company would perform a " risk assessment '', which is a credit check. I asked if this would be a hard or soft inquiry, and she stated that it is a soft inquiry. I verified that this would not impact my credit score and she confirmed this. However, this check appears as a hard inquiry on my Experian report. I contacted XXXX regarding this, and its staff stated that there is nothing they can do now since they have already made the inquiry.

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 06/14/2017 about Debt collection (Other debt) with LENDING CLUB CORP (WA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I have had a loan with Lending Club for almost 2 years. A year ago, our income dropped substantially and paying Lending Club on time each month became difficult. I called  them ( a s I called all our bill compa nies ) and  attempted to see if we could do a modification. My husband and I were trying to avoid bankruptcy, and they were not willing to help at all. We were told we would have to qualify for the new loan, which obviously we would not with our income drop. We were told to keep making our payment as is. I explained then, that we would try to make it each month, but it would most likely be late.   When we moved, it was from the  XXXX  coast to  XXXX . I updated my phone number and address with them. My family and I have been living with our family here and are " homeless '' so we have a  XXXX   XXXX   , an d every time I call I have to explain that to them when they ask me for my personal address. We do n't hav e one .. .   My actual complaint ( aside from them just being a horrible and heartless company ) is their collections practices. They are in EXTREME violation of the Fair Debt Collection Practices Act ( FDCPA ). Their attempt to call me when my loan is past due starts at  XXXX . They will continue to call all day, every hour on the hou r 3-5 times e ach day. That is harassment, plain and simple.   This morning (  XXXX / XXXX / 17  ) when I called to make my payment ( as I do EVERY month ) I notified the gentleman on the phone of the harassment and that I would appreciate him to note that it is against the law to call me before  XXXX . He stumbled over his words and said he would just flag my account cease and desist, as if that would prevent any calls from coming to me. This would be fine if it actually worked. Not eve n 10 minut es after this conversation I received ANOTHER collection call.   I would also like to note, in the past I have blocked the Lending Club number. However, the company must change it every few months as the early morning and frequent calls continue.   We are struggling to make ends meet, and understand the need to collect. However ; harassment is NOT OKAY. I have repeatedly updated my contact info, notified them of where I 'm living, and they continue to call me before  XXXX  ( as early as  XXXX  ) and the calls come in every ho ur 3-5 ti mes a day. They change their number, so blocking them has done  nothing. Complaining to them has done nothing, as they continued to call, and even flagging my account Cease and Desist did nothing as I received a call within 10 minutes of getting off the phone with them. I t 's unacceptable and I know I can not be the only person who is being harassed by Lending Club.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have reached out to my student loan servicer multiple times to have my payments drafted on the XXXX of each month. My servicer keeps telling me the issue has been taken care of but when I log into their website it shows my payments will be drafted on two separate days. 

I would like this issue to be corrected so i can ensure I have money in my account on the XXXX so all my student loans can be paid on time. 
When will my online account be updated to show that my payment will be drafted on the XXXX of each month. This is the 6th time I have contacted you about this issue since my my original request to have my due date changed. I will be filing yet another compliant with the CFPB. 



RE : Payments & Billing [ XXXX ] Thank you for contacting American Education Services ( AES )! 

Your loans are due on the XXXX of the month. I have submitted a request for your online account to be updated with the correct due date. Please allow up to ten business days for the request to be processed. I apologize for any inconvenience this issue has caused you. 

AES APPRECIATES OUR MILITARY MEMBERS! Based on your service, you may qualify for a lower interest rate and/or deferment of your student loans. For additional details, please visit XXXXIf you require further assistance, please visit www.aesSuccess.org and click the 'Contact Us ' link for information on contacting our Customer Service Department . The 'Contact Us ' feature also allows you to submit inquiries via secure email. Through your online account, you may view account details and access additional services. 

Sincerely, XXXXAmerican Education Services -- - Original Message -- -On XXXX XXXX, 2015 at XXXX XXXX, Account : XXXXDate of Birth : XXXXEmail Address On File : Message : Reply My Existing Loans XXXXI 'm replying to an inquiry that I recently put in and was given the response that my due date was changed to the XXXX of each month. 

If my due date has changed to the XXXX then why does my online account show that a payment will be debited from my account on XXXX? 

I want my payments to be debited on the XXXX of each monthXXXXThis message contains privileged and confidential information intended for the above addressees only. If you receive this message in error please delete or destroy this message and/or attachments. 

The sender of this message will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this message. 

Code : PHEAA

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Foreclosure-Illegal Process and Guidelines. 

My home is scheduled for Foreclosure Sale XX/XX/XXXX - TOMORROW. I have been told I am in a Trial Modification without my receiving any documents for me to sign. I only received information in a Monthly statement ( via mail ) that my monthly Trial Modifications were to start XXXX and payment needed to be received ON or Before XX/XX/XXXX. How can I have until XX/XX/XXXX BY LAW to make my monthly payment but have a SALE OF MY PROPERTY XXXX XXXX? This to me is against the LAW! Please assist with correcting this to protect me as a consumer. This does not seem to align with what 's law. NationStar now says I have to have my payment in by XX/XX/XXXX to stop foreclosure proceedings for XX/XX/XXXX. This is not right. They refuse to disclose any terms of a permanent modification ; and their papers say this is Trial Modification Offer not Trial Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a XXXX Corporation ( " Assignor '' ) is attempting to transfer an assignment of deed of trust to XXXX XXXX XXXX, XXXX as trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates, XXXX XXXX ( " Assignee '' ) on XXXX XXXX, XXXX. XXXX XXXX retroactively attached our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a XXXX law that prohibits fraudulent real estate filings. This assignment of deed of trust was signed by a known robo-signer XXXX XXXX. Declaration from President of XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a California Company from XX/XX/XXXX that XXXX XXXX XXXX is no longer engaged in the servicing of residential mortgage loans. XXXX XXXX has no servicing rights and does not own any residential real estate mortgages. Affidavit from XXXX XXXX, XXXX XXXX District Registry of Deeds, states that XXXX XXXX, person who signed the Assignment of Deed of Trust, is listed on XXXX XXXX XXXX Approved Robo-signers list. Our Chain of Title has been corrupted. OOMLT XXXX was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. 
Any attempt to assign the subject loan to the trust after the cut-off date would be in direct contravention of the laws governing the Trust ( PSA ) and thus rendering the fraudulent assignment of deed of trust filed on XX/XX/XXXX in the XXXX County Land Records office void. Ocwen is still engaging in illegal behavior. The assignment of deed of trust is attempting to sell, assign, transfer and convey unto Assignee that certain Deed of Trust executed by XXXX XXXX XXXX and XXXX XXXX XXXX, dated XX/XX/XXXX and recorded by File No. XXXX, of the Official Public Records of Real Property of XXXX County, Texas, encumbering the real property described as follows : Lot XXXX XXXX XXXX, a subdivision in XXXX XXXX, XXXX, According to the Map or Plat of Record in cabinet XXXX, Plat records of XXXX County, XXXX ( Property ) Street Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This assignment of deed of trust is recorded by File No. XXXX, of the Official Public Records of Real Property of XXXX County, XXXX. This illegal behavior by Ocwen Loan Servicing , LLC has created a cloud on title to real property under Texas state law.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax 's security breach was not reported to potentially impacted people, like myself in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently got calls from 2 credit card companies, one from XXXX, the other XXXX XXXX XXXX XXXX, that I have applied credit card which I did not. I was confident that someone is applying the card on my name. I started to visit 3 major credit company websites ( XXXX, XXXX, Transunion ) to place credit freeze on, only to find out that there's obvious way to just freeze my credit. instead I am directed to buy their $ XXXX {$30.00} per month protection bundle services individually. I know that my credit information is compromised due to XXXX data leak in XX/XX/2017 and I was able to put credit freeze on this for free at least, but the rest of the other bureaus are trying to capitalize on the information leak from other bu

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 12-08-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: experian received my request for investigation of XXXX items on my credit report XXXX/XXXX/2016. I received a letter XXXX stating that XXXX items in my request were not going to be investigated, when I called experian today to find out why I got no valid reason. I was told there was a letter sent regarding the results of the full investigation at the same time, I voiced I had not received, I requested another copy of investigation results and was told no, to check '' website '' for new credit report. I have no idea what was addressed and who verified information regarding my investigation as I requested. This violation of my rights under the FCRA needs to stop.

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 11/19/2015 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Deposits and withdrawals

Complaint: This is my fourth complaint about overdraft fees on my account. I am attaching documentation to show that Key Bank changes the order of credits and debits to accounts. I would appreciate someone from the Consumer Financial Protection Bureau to closely look at my documentation this time as I have copied my account over the last two days to show the discrepancies in accounting. This last overdraft I received because I moved XXXX $ from my standard checking to my son 's Hassle Free account. The reason my account over drew in the first place two days ago was because of the fees debited by Key Bank. On the ledger there is no sign of overdraft before the fees were debited. In response to the overdraft complaint yesterday, Key Bank sent a tutorial with a fictitious person named XXXX who is XXXX XXXX and very young. The tutorial says that she over drew her account buying coffee and donuts. Besides the very problematic racialization of XXXX, Key Bank blames the customer when actually what is happening is that Key Bank alters the timing of debits and credits in ways that incur overdrafts. My ledger shows several deposits in the last few days yet they mysteriously move around in the ledger as do debits. Once an overdraft is debited in accounts that are fragile ( meaning no overdraft protection attached and low balances ) these fees throw the account into disarray resulting in yet more overdraft fees. Please CFP look carefully at my account. I am not some crazy person continuing to complain. I am an educated woman who follows her account diligently and I am going to continue to complain because I know if this is happening to me, it 's happening to others who perhaps do not have the money to pay the fees. I have attached a short analysis in a document. It 's short becasue i really do not have time to do this every day. I want these fees to stop. I am probably going to receive yet another overdraft fee because my account was overdrawn this morning. The only reason my account is overdrawn is that Key Bank has debited excessive overdraft fees from my checking account..

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 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: Credit inquiries on your report that you don't recognize

Complaint: I received a hard credit hit from XXXX XXXX on Equifax without my knowledge or consent. While attempting to have this repaired or removed Equifax first hung up on me and the second time I called I was told their system was down and to call back at a later time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: As a result of the XXXX breach, I have been trying to understand my risk and mitigate them. I 've spoken with all three credit bureaus, and feel less secure than when I started. All three are like mafia businesses : These credit agencies collect our private info without our permission. Then they want to charge us to protect us? And according to the XXXX  agent ( phone call today, XX/XX/17 ), if I sign up for XXXX XXXX, I waive my legal protections in case I end up a victim as a result of their incompetence? 

So, I 'm terrified and would like some protection from these risks. I do n't trust this industry to police itself, please help. 

I also have XXXX XXXX boys ( XXXX, XXXX ). Each company says different things, influenced by state law ( I 'm in Calif. ) and their internal policies : XXXX says I have to get a court order to put a credit freeze on my XXXX XXXX XXXX. But I can send in an application to note of their files that they are minors. Not sure that would do anything, and do n't they already know that they are minors? 

Experian says that my boys have to call them for service, that I ca n't act on their behalf since they are no longer minors. This is their internal policy. I thought I was legally responsible for my children! XXXX? 

XXXX says 'do n't worry, since they have n't started financial activities, they will have no credit on a credit report. I do n't need to do anything. Right. 

Dealing with these call centers has been awful. The agents range from haughty and impatient to ignorant. None of them clearly explained my risks and what their services can do to protect me. 

Why is XXXX even in business? They had one job to do! This information is too sensitive to be left to fly by nigh businesses with little accountability to their customers.

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 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I am contacting your agency because I need your help in disputing some charges done on my Mastercard XXXX XXXX XXXX XXXX Citibank credit card by a fraudulent company. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a all charges done on my card by a company called XXXX XXXX XXXX charged on XXXX/XXXX/2016 {$3000.00} and the have been charging {$99.00} per month since XXXX last year. I paid them after their persuasive salesperson made me promises of a very profitable online business.. I never made a penny.They kept saying how important their services were and would bring traffic to my website. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with the company and get my refund but they ignored my requests.I know its been a long time but I need your help in trying to contact my bank so they can open an investigation please. Thank you in advance.

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 09-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ATLAS COLLECTIONS, INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was not properly notified of a debt with the original creditor. I contacted the original creditor who agreed to remove the collection from my credit report after it was paid due to the notice being sent to an old address. This was also communicated to the collection agency ( Atlas Collections ). I paid the debt in full and the collection agency only removed it from XXXX of my credit reports. I have made multiple attempts to reach the collection agency and have left several messages, emails etc. they will not respond to my requests. I have emails that show the agreement to remove it and where they stated that they had removed it. I have also disputed this with the credit reporting agencies and Atlas has verified this rather than removing it.

Company response to consumer: Closed with explanation